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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 | 101 MAIN STREET
MASSENA, IA 50853 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 62 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $3,444,000 |
| Average Mortgage Loan Amount Applied For | $62,333 |
| Highest Mortgage Loan Amount Applied For | $240,000 |
| Average Applicant Income | $60,111 |
| Highest Applicant Income | $584,000 |
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| Home Improvement |
3 | $97,000 |
$32,000 | $62,000 |
$69,000 | $103,000 |
| Home Purchase |
40 | $2,438,000 |
$60,000 | $240,000 |
$68,000 | $584,000 |
| Refinancing |
19 | $909,000 |
$47,000 | $107,000 |
$42,000 | $73,000 |
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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 | $10,000 |
$10,000 | $10,000 |
$25,000 | $25,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
61 | $3,434,000 |
$56,000 | $240,000 |
$61,000 | $584,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
62 | $3,444,000 |
$55,000 | $240,000 |
$60,000 | $584,000 |
| 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 |
5 | $215,000 |
$43,000 | $46,000 |
$103,000 | $205,000 |
| Application Denied By Financial Institution |
11 | $313,000 |
$28,000 | $97,000 |
$31,000 | $56,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
46 | $2,916,000 |
$63,000 | $240,000 |
$62,000 | $584,000 |
| 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 |
8 | $196,000 |
$24,000 | $50,000 |
$31,000 | $56,000 |
| Debt-To-Income Ratio |
2 | $107,000 |
$53,000 | $97,000 |
$40,000 | $52,000 |
| Employment History |
1 | $10,000 |
$10,000 | $10,000 |
$17,000 | $17,000 |
| 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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