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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 HUDSON
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST NATIONAL BANK OF HUDSON |
| Address | 307 SECOND ST, PO BOX 187
HUDSON, WI 54016 |
| 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 | 474 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $52,272,000 |
| Average Mortgage Loan Amount Applied For | $123,590 |
| Highest Mortgage Loan Amount Applied For | $534,000 |
| Average Applicant Income | $72,681 |
| Highest Applicant Income | $623,000 |
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| Home Improvement |
99 | $3,942,000 |
$39,000 | $275,000 |
$79,000 | $305,000 |
| Home Purchase |
148 | $24,102,000 |
$162,000 | $417,000 |
$66,000 | $213,000 |
| Refinancing |
241 | $26,534,000 |
$110,000 | $534,000 |
$77,000 | $623,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $200,000 |
$200,000 | $200,000 |
$70,000 | $70,000 |
| Black or African American |
1 | $350,000 |
$350,000 | $350,000 |
$91,000 | $91,000 |
| Hispanic |
2 | $146,000 |
$73,000 | $96,000 |
$142,000 | $194,000 |
| Native Hawaiin or Other Pacific Islander |
2 | $76,000 |
$38,000 | $66,000 |
$90,000 | $98,000 |
| Not applicable |
10 | $1,384,000 |
$138,000 | $190,000 |
$17,000 | $176,000 |
| Not Provided |
13 | $1,221,000 |
$93,000 | $250,000 |
$105,000 | $180,000 |
| White |
459 | $51,201,000 |
$111,000 | $534,000 |
$74,000 | $623,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
488 | $54,578,000 |
$111,000 | $534,000 |
$74,000 | $623,000 |
| 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 |
27 | $3,477,000 |
$128,000 | $325,000 |
$76,000 | $191,000 |
| Application Denied By Financial Institution |
45 | $4,523,000 |
$100,000 | $388,000 |
$51,000 | $144,000 |
| Application Withdrawn By Applicant |
3 | $82,000 |
$27,000 | $54,000 |
$67,000 | $126,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
400 | $44,230,000 |
$110,000 | $534,000 |
$78,000 | $623,000 |
| 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 |
13 | $2,266,000 |
$174,000 | $230,000 |
$52,000 | $84,000 |
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| Collateral |
2 | $28,000 |
$14,000 | $20,000 |
$48,000 | $63,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
25 | $3,304,000 |
$132,000 | $350,000 |
$60,000 | $106,000 |
| Debt-To-Income Ratio |
30 | $3,407,000 |
$113,000 | $388,000 |
$45,000 | $144,000 |
| Employment History |
1 | $50,000 |
$50,000 | $50,000 |
$36,000 | $36,000 |
| 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 OF HUDSON by:
Metropolitan Area And
County
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