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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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FIRST NATIONAL BANK AND TRUST
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST NATIONAL BANK AND TRUST |
| Address | 345 E GRAND AVE
BELOIT, WI 53511 |
| 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 | 423 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $36,281,000 |
| Average Mortgage Loan Amount Applied For | $106,640 |
| Highest Mortgage Loan Amount Applied For | $575,000 |
| Average Applicant Income | $63,440 |
| Highest Applicant Income | $516,000 |
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| Home Improvement |
86 | $2,332,000 |
$27,000 | $360,000 |
$25,000 | $200,000 |
| Home Purchase |
238 | $26,489,000 |
$111,000 | $560,000 |
$65,000 | $516,000 |
| Refinancing |
126 | $10,027,000 |
$79,000 | $575,000 |
$43,000 | $364,000 |
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| American Indian or Alaskan Native |
2 | $17,000 |
$8,000 | $13,000 |
$0 | $0 |
| Asian |
1 | $178,000 |
$178,000 | $178,000 |
$113,000 | $113,000 |
| Black or African American |
10 | $708,000 |
$70,000 | $150,000 |
$33,000 | $62,000 |
| Hispanic |
29 | $1,991,000 |
$68,000 | $245,000 |
$39,000 | $134,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
8 | $759,000 |
$94,000 | $200,000 |
$0 | $0 |
| Not Provided |
9 | $1,177,000 |
$130,000 | $480,000 |
$57,000 | $150,000 |
| White |
391 | $34,018,000 |
$87,000 | $575,000 |
$54,000 | $516,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
450 | $38,848,000 |
$86,000 | $575,000 |
$51,000 | $516,000 |
| 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 |
19 | $1,578,000 |
$83,000 | $282,000 |
$50,000 | $119,000 |
| Application Denied By Financial Institution |
74 | $4,824,000 |
$65,000 | $235,000 |
$37,000 | $141,000 |
| Application Withdrawn By Applicant |
4 | $887,000 |
$221,000 | $518,000 |
$71,000 | $135,000 |
| File Closed For Incompleteness |
1 | $37,000 |
$37,000 | $37,000 |
$50,000 | $50,000 |
| Loan Originated |
326 | $29,145,000 |
$89,000 | $575,000 |
$55,000 | $516,000 |
| 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 |
26 | $2,377,000 |
$91,000 | $170,000 |
$44,000 | $85,000 |
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| Collateral |
8 | $668,000 |
$83,000 | $123,000 |
$39,000 | $71,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
59 | $3,950,000 |
$66,000 | $235,000 |
$43,000 | $141,000 |
| Debt-To-Income Ratio |
27 | $2,024,000 |
$74,000 | $190,000 |
$32,000 | $79,000 |
| Employment History |
2 | $217,000 |
$108,000 | $137,000 |
$27,000 | $33,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
3 | $306,000 |
$102,000 | $121,000 |
$41,000 | $52,000 |
| Unverifiable Information |
1 | $36,000 |
$36,000 | $36,000 |
$0 | $0 |
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Mortgage Loan App Totals for FIRST NATIONAL BANK AND TRUST by:
Metropolitan Area And
County
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