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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
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST NATIONAL BANK |
| Address | PO BOX 688
HAWLEY, MN 56549 |
| 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 | 43 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $3,109,000 |
| Average Mortgage Loan Amount Applied For | $63,000 |
| Highest Mortgage Loan Amount Applied For | $224,000 |
| Average Applicant Income | $46,000 |
| Highest Applicant Income | $115,000 |
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| Home Improvement |
15 | $342,000 |
$22,000 | $86,000 |
$59,000 | $200,000 |
| Home Purchase |
33 | $3,256,000 |
$98,000 | $224,000 |
$40,000 | $170,000 |
| Refinancing |
15 | $1,061,000 |
$70,000 | $130,000 |
$42,000 | $98,000 |
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| American Indian or Alaskan Native |
1 | $5,000 |
$5,000 | $5,000 |
$24,000 | $24,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
1 | $110,000 |
$110,000 | $110,000 |
$22,000 | $22,000 |
| White |
61 | $4,544,000 |
$74,000 | $224,000 |
$46,000 | $200,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
63 | $4,659,000 |
$73,000 | $224,000 |
$45,000 | $200,000 |
| 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 |
6 | $681,000 |
$113,000 | $192,000 |
$57,000 | $170,000 |
| Application Denied By Financial Institution |
14 | $1,258,000 |
$89,000 | $195,000 |
$35,000 | $82,000 |
| Application Withdrawn By Applicant |
7 | $652,000 |
$93,000 | $224,000 |
$33,000 | $68,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
36 | $2,068,000 |
$57,000 | $186,000 |
$50,000 | $200,000 |
| 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 |
6 | $514,000 |
$85,000 | $160,000 |
$36,000 | $62,000 |
| Debt-To-Income Ratio |
8 | $744,000 |
$93,000 | $195,000 |
$33,000 | $82,000 |
| 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 FIRST NATIONAL BANK by:
Metropolitan Area And
County
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