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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 KANSAS
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST NATIONAL BANK OF KANSAS |
| Address | 6201 COLLEGE BLVD.
OVERLAND PARK, KS 66211 |
| 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 | 353 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $50,432,000 |
| Average Mortgage Loan Amount Applied For | $182,040 |
| Highest Mortgage Loan Amount Applied For | $1,181,000 |
| Average Applicant Income | $115,240 |
| Highest Applicant Income | $763,000 |
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| Home Improvement |
12 | $187,000 |
$15,000 | $53,000 |
$54,000 | $120,000 |
| Home Purchase |
224 | $32,923,000 |
$146,000 | $1,181,000 |
$101,000 | $763,000 |
| Refinancing |
122 | $17,835,000 |
$146,000 | $650,000 |
$91,000 | $545,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
4 | $363,000 |
$90,000 | $125,000 |
$60,000 | $84,000 |
| Black or African American |
5 | $517,000 |
$103,000 | $224,000 |
$11,000 | $58,000 |
| Hispanic |
4 | $108,000 |
$27,000 | $74,000 |
$31,000 | $38,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $65,000 |
$65,000 | $65,000 |
$763,000 | $763,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
116 | $18,225,000 |
$157,000 | $860,000 |
$111,000 | $722,000 |
| White |
228 | $31,667,000 |
$138,000 | $1,181,000 |
$89,000 | $635,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
330 | $47,180,000 |
$142,000 | $1,181,000 |
$99,000 | $763,000 |
| FHA-insured (Federal Housing Administration) |
23 | $2,967,000 |
$129,000 | $190,000 |
$55,000 | $102,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
5 | $798,000 |
$159,000 | $214,000 |
$56,000 | $77,000 |
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| Application Approved But Not Accepted |
5 | $780,000 |
$156,000 | $366,000 |
$77,000 | $120,000 |
| Application Denied By Financial Institution |
15 | $2,057,000 |
$137,000 | $650,000 |
$61,000 | $158,000 |
| Application Withdrawn By Applicant |
34 | $4,310,000 |
$126,000 | $324,000 |
$76,000 | $168,000 |
| File Closed For Incompleteness |
11 | $1,522,000 |
$138,000 | $284,000 |
$61,000 | $117,000 |
| Loan Originated |
288 | $41,763,000 |
$145,000 | $1,181,000 |
$103,000 | $763,000 |
| 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 |
5 | $513,000 |
$102,000 | $152,000 |
$49,000 | $68,000 |
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| Collateral |
1 | $115,000 |
$115,000 | $115,000 |
$66,000 | $66,000 |
| Credit Application Incomplete |
1 | $57,000 |
$57,000 | $57,000 |
$30,000 | $30,000 |
| Credit History |
14 | $1,522,000 |
$108,000 | $255,000 |
$55,000 | $100,000 |
| Debt-To-Income Ratio |
1 | $40,000 |
$40,000 | $40,000 |
$50,000 | $50,000 |
| Employment History |
1 | $10,000 |
$10,000 | $10,000 |
$46,000 | $46,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $650,000 |
$650,000 | $650,000 |
$158,000 | $158,000 |
| Unverifiable Information |
1 | $176,000 |
$176,000 | $176,000 |
$42,000 | $42,000 |
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Mortgage Loan App Totals for FIRST NATIONAL BANK OF KANSAS by:
Metropolitan Area And
County
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