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| $6,295,214,383,000 in Mortgage Loans Applied for in 2006 from 34,105,441 Applications |
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CHARTERWEST NATIONAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
CHARTERWEST NATIONAL BANK |
| Address | 201 SOUTH MAIN STREET
WEST POINT, NE 68788 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 164 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $20,862,000 |
| Average Mortgage Loan Amount Applied For | $98,583 |
| Highest Mortgage Loan Amount Applied For | $567,000 |
| Average Applicant Income | $45,416 |
| Highest Applicant Income | $186,000 |
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| Home Improvement |
20 | $329,000 |
$16,000 | $40,000 |
$58,000 | $130,000 |
| Home Purchase |
503 | $46,041,000 |
$91,000 | $332,000 |
$49,000 | $390,000 |
| Refinancing |
111 | $11,677,000 |
$105,000 | $900,000 |
$56,000 | $372,000 |
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| American Indian or Alaskan Native |
37 | $860,000 |
$23,000 | $112,000 |
$37,000 | $84,000 |
| Asian |
2 | $199,000 |
$99,000 | $100,000 |
$51,000 | $52,000 |
| Black or African American |
6 | $573,000 |
$95,000 | $196,000 |
$47,000 | $85,000 |
| Hispanic |
73 | $5,135,000 |
$70,000 | $164,000 |
$35,000 | $84,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
6 | $857,000 |
$142,000 | $567,000 |
$0 | $0 |
| Not Provided |
2 | $216,000 |
$108,000 | $143,000 |
$51,000 | $103,000 |
| White |
508 | $50,207,000 |
$98,000 | $900,000 |
$54,000 | $390,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
416 | $36,432,000 |
$87,000 | $900,000 |
$54,000 | $390,000 |
| FHA-insured (Federal Housing Administration) |
110 | $9,244,000 |
$84,000 | $174,000 |
$39,000 | $85,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
55 | $4,164,000 |
$75,000 | $164,000 |
$37,000 | $66,000 |
| VA-guaranteed (Veterans Administration) |
53 | $8,207,000 |
$154,000 | $308,000 |
$61,000 | $130,000 |
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| Application Approved But Not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
54 | $3,370,000 |
$62,000 | $300,000 |
$37,000 | $89,000 |
| Application Withdrawn By Applicant |
56 | $6,041,000 |
$107,000 | $900,000 |
$54,000 | $372,000 |
| File Closed For Incompleteness |
34 | $3,250,000 |
$95,000 | $192,000 |
$41,000 | $92,000 |
| Loan Originated |
490 | $45,386,000 |
$92,000 | $567,000 |
$52,000 | $390,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Collateral |
2 | $95,000 |
$47,000 | $55,000 |
$39,000 | $55,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
42 | $2,586,000 |
$61,000 | $300,000 |
$38,000 | $89,000 |
| Debt-To-Income Ratio |
6 | $424,000 |
$70,000 | $101,000 |
$35,000 | $60,000 |
| Employment History |
2 | $113,000 |
$56,000 | $68,000 |
$20,000 | $21,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $100,000 |
$100,000 | $100,000 |
$65,000 | $65,000 |
| Unverifiable Information |
1 | $52,000 |
$52,000 | $52,000 |
$32,000 | $32,000 |
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Mortgage Loan App Totals for CHARTERWEST NATIONAL BANK by:
Metropolitan Area And
County
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