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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 | 111 CENTRAL AVE NW
LE MARS, IA 51031 |
| 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 | 112 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $10,184,000 |
| Average Mortgage Loan Amount Applied For | $112,800 |
| Highest Mortgage Loan Amount Applied For | $320,000 |
| Average Applicant Income | $78,600 |
| Highest Applicant Income | $800,000 |
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| Home Improvement |
13 | $329,000 |
$25,000 | $70,000 |
$70,000 | $167,000 |
| Home Purchase |
69 | $7,005,000 |
$101,000 | $320,000 |
$80,000 | $800,000 |
| Refinancing |
34 | $3,144,000 |
$92,000 | $202,000 |
$63,000 | $559,000 |
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| American Indian or Alaskan Native |
1 | $24,000 |
$24,000 | $24,000 |
$19,000 | $19,000 |
| Asian |
2 | $82,000 |
$41,000 | $45,000 |
$61,000 | $74,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
11 | $704,000 |
$64,000 | $102,000 |
$47,000 | $68,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
9 | $1,252,000 |
$139,000 | $192,000 |
$70,000 | $559,000 |
| Not Provided |
5 | $309,000 |
$61,000 | $145,000 |
$83,000 | $155,000 |
| White |
88 | $8,107,000 |
$92,000 | $320,000 |
$78,000 | $800,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
116 | $10,478,000 |
$90,000 | $320,000 |
$74,000 | $800,000 |
| 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 | $262,000 |
$131,000 | $202,000 |
$101,000 | $156,000 |
| Application Denied By Financial Institution |
5 | $365,000 |
$73,000 | $116,000 |
$45,000 | $57,000 |
| Application Withdrawn By Applicant |
2 | $215,000 |
$107,000 | $145,000 |
$44,000 | $54,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
103 | $9,342,000 |
$90,000 | $320,000 |
$77,000 | $800,000 |
| 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 |
4 | $294,000 |
$73,000 | $100,000 |
$36,000 | $56,000 |
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| Collateral |
1 | $100,000 |
$100,000 | $100,000 |
$30,000 | $30,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
4 | $222,000 |
$55,000 | $100,000 |
$46,000 | $56,000 |
| Debt-To-Income Ratio |
3 | $277,000 |
$92,000 | $116,000 |
$43,000 | $57,000 |
| Employment History |
1 | $60,000 |
$60,000 | $60,000 |
$28,000 | $28,000 |
| 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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