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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 | 900 CANTERBURY PLACE SUITE 300
ESCONDIDO, CA 92025 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2005 |
| All Data Years | 2003 2004 2005 |
| Total Number of Mortgage Loan Applications Processed | 38 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $39,050,000 |
| Average Mortgage Loan Amount Applied For | $1,294,750 |
| Highest Mortgage Loan Amount Applied For | $6,730,000 |
| Average Applicant Income | $71,500 |
| Highest Applicant Income | $1,064,000 |
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| Home Improvement |
1 | $148,000 |
$148,000 | $148,000 |
$103,000 | $103,000 |
| Home Purchase |
31 | $36,015,000 |
$1,484,333 | $6,730,000 |
$40,000 | $1,064,000 |
| Refinancing |
6 | $2,887,000 |
$481,000 | $2,000,000 |
$173,000 | $483,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $915,000 |
$915,000 | $915,000 |
$764,000 | $764,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
5 | $264,000 |
$52,000 | $76,000 |
$47,000 | $78,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
13 | $26,395,000 |
$1,807,666 | $6,730,000 |
$333 | $44,000 |
| Not Provided |
2 | $143,000 |
$71,000 | $94,000 |
$46,000 | $52,000 |
| White |
17 | $11,333,000 |
$666,000 | $2,550,000 |
$170,000 | $1,064,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
38 | $39,050,000 |
$1,439,333 | $6,730,000 |
$44,333 | $1,064,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
2 | $1,784,000 |
$892,000 | $1,734,000 |
$550,000 | $1,064,000 |
| Application Denied By Financial Institution |
6 | $4,037,000 |
$672,000 | $1,830,000 |
$38,000 | $119,000 |
| Application Withdrawn By Applicant |
3 | $9,344,000 |
$3,114,000 | $6,730,000 |
$8,000 | $24,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
27 | $23,885,000 |
$1,382,666 | $4,264,000 |
$62,000 | $764,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
1 | $1,830,000 |
$1,830,000 | $1,830,000 |
$0 | $0 |
| Credit History |
3 | $167,000 |
$55,000 | $76,000 |
$76,000 | $119,000 |
| Debt-To-Income Ratio |
2 | $2,040,000 |
$1,020,000 | $1,550,000 |
$0 | $0 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for COMMUNITY NATIONAL BANK by:
Metropolitan Area And
County
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