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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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EXCHANGE NATIONAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
EXCHANGE NATIONAL BANK |
| Address | 132 E. HIGH ST.
JEFFERSON CITY, MO 65101 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 522 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $51,957,000 |
| Average Mortgage Loan Amount Applied For | $120,555 |
| Highest Mortgage Loan Amount Applied For | $915,000 |
| Average Applicant Income | $73,138 |
| Highest Applicant Income | $300,000 |
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| Home Improvement |
67 | $2,845,000 |
$42,000 | $260,000 |
$64,000 | $191,000 |
| Home Purchase |
274 | $30,250,000 |
$110,000 | $915,000 |
$53,000 | $240,000 |
| Refinancing |
183 | $18,897,000 |
$103,000 | $367,000 |
$60,000 | $300,000 |
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| American Indian or Alaskan Native |
2 | $78,000 |
$39,000 | $72,000 |
$88,000 | $101,000 |
| Asian |
4 | $415,000 |
$103,000 | $146,000 |
$36,000 | $39,000 |
| Black or African American |
8 | $714,000 |
$89,000 | $196,000 |
$50,000 | $144,000 |
| Hispanic |
17 | $1,284,000 |
$75,000 | $212,000 |
$51,000 | $135,000 |
| Native Hawaiin or Other Pacific Islander |
3 | $79,000 |
$26,000 | $74,000 |
$38,000 | $42,000 |
| Not applicable |
16 | $2,857,000 |
$178,000 | $915,000 |
$0 | $0 |
| Not Provided |
44 | $4,611,000 |
$104,000 | $417,000 |
$61,000 | $300,000 |
| White |
430 | $41,954,000 |
$97,000 | $500,000 |
$59,000 | $252,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
491 | $48,650,000 |
$99,000 | $915,000 |
$57,000 | $300,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
22 | $1,969,000 |
$89,000 | $150,000 |
$38,000 | $66,000 |
| VA-guaranteed (Veterans Administration) |
11 | $1,373,000 |
$124,000 | $204,000 |
$58,000 | $117,000 |
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| Application Approved But Not Accepted |
74 | $7,317,000 |
$98,000 | $275,000 |
$49,000 | $165,000 |
| Application Denied By Financial Institution |
90 | $8,068,000 |
$89,000 | $310,000 |
$49,000 | $252,000 |
| Application Withdrawn By Applicant |
6 | $547,000 |
$91,000 | $200,000 |
$49,000 | $107,000 |
| File Closed For Incompleteness |
1 | $15,000 |
$15,000 | $15,000 |
$0 | $0 |
| Loan Originated |
353 | $36,045,000 |
$102,000 | $915,000 |
$60,000 | $300,000 |
| 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 |
5 | $423,000 |
$84,000 | $122,000 |
$64,000 | $125,000 |
| Credit Application Incomplete |
1 | $85,000 |
$85,000 | $85,000 |
$0 | $0 |
| Credit History |
61 | $5,147,000 |
$84,000 | $310,000 |
$45,000 | $192,000 |
| Debt-To-Income Ratio |
16 | $1,781,000 |
$111,000 | $235,000 |
$39,000 | $120,000 |
| Employment History |
1 | $78,000 |
$78,000 | $78,000 |
$45,000 | $45,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
6 | $554,000 |
$92,000 | $141,000 |
$111,000 | $252,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for EXCHANGE NATIONAL BANK by:
Metropolitan Area And
County
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