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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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FARMERS & MERCHANTS NAT'L BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
FARMERS & MERCHANTS NAT'L BANK |
| Address | 1501 SILVER STREET
ASHLAND, NE 68003 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 60 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $5,349,000 |
| Average Mortgage Loan Amount Applied For | $118,833 |
| Highest Mortgage Loan Amount Applied For | $230,000 |
| Average Applicant Income | $47,833 |
| Highest Applicant Income | $199,000 |
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| Home Improvement |
1 | $10,000 |
$10,000 | $10,000 |
$100,000 | $100,000 |
| Home Purchase |
36 | $3,308,000 |
$91,000 | $200,000 |
$35,000 | $199,000 |
| Refinancing |
23 | $2,031,000 |
$88,000 | $230,000 |
$56,000 | $102,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
1 | $113,000 |
$113,000 | $113,000 |
$29,000 | $29,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
17 | $1,956,000 |
$115,000 | $195,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
42 | $3,280,000 |
$78,000 | $230,000 |
$62,000 | $199,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
60 | $5,349,000 |
$89,000 | $230,000 |
$44,000 | $199,000 |
| 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 |
3 | $322,000 |
$107,000 | $148,000 |
$30,000 | $42,000 |
| Application Denied By Financial Institution |
3 | $339,000 |
$113,000 | $180,000 |
$32,000 | $55,000 |
| Application Withdrawn By Applicant |
1 | $82,000 |
$82,000 | $82,000 |
$54,000 | $54,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
53 | $4,606,000 |
$86,000 | $230,000 |
$45,000 | $199,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
2 | $159,000 |
$79,000 | $113,000 |
$21,000 | $29,000 |
| Debt-To-Income Ratio |
1 | $180,000 |
$180,000 | $180,000 |
$55,000 | $55,000 |
| 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 FARMERS & MERCHANTS NAT'L BANK by:
Metropolitan Area And
County
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