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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 OF DECATUR
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST NATIONAL BANK OF DECATUR |
| Address | 130 N WATER ST
DECATUR, IL 62523 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2003 |
| All Data Years | 2003 |
| Total Number of Mortgage Loan Applications Processed | 993 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $97,904,000 |
| Average Mortgage Loan Amount Applied For | $107,400 |
| Highest Mortgage Loan Amount Applied For | $381,000 |
| Average Applicant Income | $122,800 |
| Highest Applicant Income | $1,032,000 |
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| Home Improvement (one-to-four family) |
5 | $265,000 |
$53,000 | $100,000 |
$71,000 | $179,000 |
| Home Purchase (one-to-four family) |
150 | $13,462,000 |
$128,500 | $300,000 |
$136,750 | $880,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) |
1 | $150,000 |
$150,000 | $150,000 |
$0 | $0 |
| Refinancing (home purchase or home improvement, one-to-four family) |
837 | $84,027,000 |
$144,333 | $381,000 |
$146,666 | $1,032,000 |
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| American Indian or Alaskan Native |
4 | $184,000 |
$46,000 | $67,000 |
$63,000 | $105,000 |
| Asian or Pacific Islander |
10 | $2,004,000 |
$200,000 | $300,000 |
$280,000 | $600,000 |
| Black |
25 | $2,082,000 |
$83,000 | $323,000 |
$59,000 | $254,000 |
| Hispanic |
4 | $615,000 |
$153,000 | $323,000 |
$165,000 | $724,000 |
| Information not provided by applicant in mail or telephone application |
3 | $290,000 |
$96,000 | $219,000 |
$340,000 | $794,000 |
| Not applicable |
1 | $87,000 |
$87,000 | $87,000 |
$198,000 | $198,000 |
| Other |
4 | $884,000 |
$221,000 | $320,000 |
$214,000 | $364,000 |
| White |
942 | $91,758,000 |
$142,666 | $381,000 |
$139,833 | $1,032,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
993 | $97,904,000 |
$142,833 | $381,000 |
$144,833 | $1,032,000 |
| 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 |
24 | $3,070,000 |
$127,000 | $297,000 |
$141,000 | $360,000 |
| Application Denied By Financial Institution |
41 | $3,051,000 |
$74,000 | $381,000 |
$39,000 | $250,000 |
| Application Withdrawn By Applicant |
17 | $1,258,000 |
$74,000 | $183,000 |
$55,000 | $424,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
911 | $90,525,000 |
$143,000 | $323,000 |
$148,666 | $1,032,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Collateral |
2 | $140,000 |
$70,000 | $95,000 |
$47,000 | $66,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
20 | $1,127,000 |
$56,000 | $120,000 |
$41,000 | $98,000 |
| Debt-To-Income Ratio |
16 | $1,635,000 |
$102,000 | $381,000 |
$42,000 | $250,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
2 | $91,000 |
$45,000 | $48,000 |
$24,000 | $28,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $58,000 |
$58,000 | $58,000 |
$31,000 | $31,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for FIRST NATIONAL BANK OF DECATUR by:
Metropolitan Area And
County
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