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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-MANITOWOC
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST NATIONAL BANK-MANITOWOC |
| Address | 402 NORTH 8TH STREET
MANITOWOC, WI 54220 |
| 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 | 509 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $46,503,000 |
| Average Mortgage Loan Amount Applied For | $131,636 |
| Highest Mortgage Loan Amount Applied For | $500,000 |
| Average Applicant Income | $128,181 |
| Highest Applicant Income | $702,000 |
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| Home Improvement |
78 | $2,243,000 |
$28,000 | $161,000 |
$71,000 | $246,000 |
| Home Purchase |
147 | $16,843,000 |
$114,000 | $470,000 |
$64,000 | $450,000 |
| Refinancing |
284 | $27,417,000 |
$96,000 | $500,000 |
$70,000 | $702,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
3 | $159,000 |
$53,000 | $78,000 |
$39,000 | $50,000 |
| Black or African American |
2 | $125,000 |
$62,000 | $116,000 |
$47,000 | $51,000 |
| Hispanic |
4 | $286,000 |
$71,000 | $94,000 |
$51,000 | $74,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
7 | $594,000 |
$84,000 | $161,000 |
$51,000 | $119,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
493 | $45,339,000 |
$91,000 | $500,000 |
$69,000 | $702,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
509 | $46,503,000 |
$91,000 | $500,000 |
$68,000 | $702,000 |
| 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 |
1 | $113,000 |
$113,000 | $113,000 |
$48,000 | $48,000 |
| Application Denied By Financial Institution |
14 | $1,374,000 |
$98,000 | $230,000 |
$55,000 | $244,000 |
| Application Withdrawn By Applicant |
16 | $1,643,000 |
$102,000 | $245,000 |
$56,000 | $104,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
477 | $43,093,000 |
$90,000 | $500,000 |
$69,000 | $702,000 |
| 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 |
1 | $280,000 |
$280,000 | $280,000 |
$60,000 | $60,000 |
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| Collateral |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
11 | $1,012,000 |
$92,000 | $205,000 |
$61,000 | $244,000 |
| Debt-To-Income Ratio |
3 | $586,000 |
$195,000 | $280,000 |
$46,000 | $60,000 |
| Employment History |
1 | $56,000 |
$56,000 | $56,000 |
$25,000 | $25,000 |
| 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-MANITOWOC by:
Metropolitan Area And
County
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