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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 LAYTON
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST NATIONAL BANK OF LAYTON |
| Address | 1601 N HILLFIELD RD
LAYTON, UT 84041 |
| 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 | 30 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $10,285,000 |
| Average Mortgage Loan Amount Applied For | $343,833 |
| Highest Mortgage Loan Amount Applied For | $4,740,000 |
| Average Applicant Income | $93,833 |
| Highest Applicant Income | $242,000 |
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| Home Improvement |
6 | $465,000 |
$77,000 | $311,000 |
$64,000 | $162,000 |
| Home Purchase |
21 | $9,374,000 |
$446,000 | $4,740,000 |
$71,000 | $242,000 |
| Refinancing |
3 | $446,000 |
$148,000 | $263,000 |
$55,000 | $74,000 |
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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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
4 | $5,448,000 |
$1,362,000 | $4,740,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
26 | $4,837,000 |
$186,000 | $600,000 |
$79,000 | $242,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
30 | $10,285,000 |
$342,000 | $4,740,000 |
$68,000 | $242,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
3 | $654,000 |
$218,000 | $389,000 |
$73,000 | $173,000 |
| Application Withdrawn By Applicant |
9 | $2,164,000 |
$240,000 | $600,000 |
$66,000 | $216,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
18 | $7,467,000 |
$414,000 | $4,740,000 |
$68,000 | $242,000 |
| 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 |
2 | $265,000 |
$132,000 | $263,000 |
$24,000 | $48,000 |
| Debt-To-Income Ratio |
1 | $389,000 |
$389,000 | $389,000 |
$173,000 | $173,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 LAYTON by:
Metropolitan Area And
County
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