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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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COMMUNITY NATIONAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
COMMUNITY NATIONAL BANK |
| Address | 14 N LINCOLN
CHANUTE, KS 66720 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 757 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $40,558,000 |
| Average Mortgage Loan Amount Applied For | $76,757 |
| Highest Mortgage Loan Amount Applied For | $1,500,000 |
| Average Applicant Income | $47,515 |
| Highest Applicant Income | $397,000 |
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| Home Improvement |
123 | $3,957,000 |
$32,000 | $185,000 |
$46,000 | $166,000 |
| Home Purchase |
325 | $19,095,000 |
$58,000 | $417,000 |
$45,000 | $397,000 |
| Refinancing |
310 | $17,588,000 |
$56,000 | $1,500,000 |
$47,000 | $397,000 |
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| American Indian or Alaskan Native |
15 | $501,000 |
$33,000 | $72,000 |
$33,000 | $58,000 |
| Asian |
2 | $197,000 |
$98,000 | $127,000 |
$17,000 | $21,000 |
| Black or African American |
8 | $324,000 |
$40,000 | $95,000 |
$24,000 | $59,000 |
| Hispanic |
18 | $974,000 |
$54,000 | $264,000 |
$47,000 | $222,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
16 | $1,631,000 |
$101,000 | $288,000 |
$12,000 | $62,000 |
| Not Provided |
9 | $421,000 |
$46,000 | $82,000 |
$40,000 | $69,000 |
| White |
690 | $36,592,000 |
$53,000 | $1,500,000 |
$48,000 | $397,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
755 | $40,493,000 |
$53,000 | $1,500,000 |
$46,000 | $397,000 |
| FHA-insured (Federal Housing Administration) |
2 | $130,000 |
$65,000 | $70,000 |
$30,000 | $32,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
1 | $17,000 |
$17,000 | $17,000 |
$20,000 | $20,000 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
27 | $3,663,000 |
$135,000 | $1,500,000 |
$79,000 | $397,000 |
| Application Denied By Financial Institution |
111 | $4,368,000 |
$39,000 | $179,000 |
$39,000 | $236,000 |
| Application Withdrawn By Applicant |
23 | $1,680,000 |
$73,000 | $260,000 |
$39,000 | $109,000 |
| File Closed For Incompleteness |
1 | $36,000 |
$36,000 | $36,000 |
$17,000 | $17,000 |
| Loan Originated |
596 | $30,893,000 |
$51,000 | $447,000 |
$46,000 | $397,000 |
| 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 |
7 | $421,000 |
$60,000 | $179,000 |
$43,000 | $91,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
72 | $2,467,000 |
$34,000 | $175,000 |
$42,000 | $236,000 |
| Debt-To-Income Ratio |
25 | $1,128,000 |
$45,000 | $132,000 |
$30,000 | $96,000 |
| Employment History |
2 | $42,000 |
$21,000 | $30,000 |
$39,000 | $55,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $69,000 |
$69,000 | $69,000 |
$66,000 | $66,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
2 | $150,000 |
$75,000 | $80,000 |
$42,000 | $56,000 |
| Unverifiable Information |
2 | $91,000 |
$45,000 | $81,000 |
$31,000 | $38,000 |
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Mortgage Loan App Totals for COMMUNITY NATIONAL BANK by:
Metropolitan Area And
County
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