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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 MISSOUR
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST NATIONAL BANK OF MISSOUR |
| Address | 609 N M-291 HWY
LEE'S SUMMIT, MO 64086 |
| 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 | 482 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $58,319,000 |
| Average Mortgage Loan Amount Applied For | $122,821 |
| Highest Mortgage Loan Amount Applied For | $1,850,000 |
| Average Applicant Income | $91,214 |
| Highest Applicant Income | $1,639,000 |
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| Home Improvement |
81 | $2,257,000 |
$27,000 | $225,000 |
$71,000 | $228,000 |
| Home Purchase |
335 | $52,534,000 |
$156,000 | $960,000 |
$77,000 | $616,000 |
| Refinancing |
175 | $20,745,000 |
$118,000 | $1,850,000 |
$81,000 | $1,639,000 |
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| American Indian or Alaskan Native |
7 | $330,000 |
$47,000 | $115,000 |
$34,000 | $48,000 |
| Asian |
5 | $673,000 |
$134,000 | $271,000 |
$91,000 | $250,000 |
| Black or African American |
10 | $1,033,000 |
$103,000 | $203,000 |
$73,000 | $106,000 |
| Hispanic |
9 | $1,299,000 |
$144,000 | $360,000 |
$63,000 | $96,000 |
| Native Hawaiin or Other Pacific Islander |
2 | $171,000 |
$85,000 | $96,000 |
$101,000 | $101,000 |
| Not applicable |
18 | $2,311,000 |
$128,000 | $403,000 |
$258,000 | $1,639,000 |
| Not Provided |
38 | $3,962,000 |
$104,000 | $417,000 |
$82,000 | $300,000 |
| White |
502 | $65,757,000 |
$130,000 | $1,850,000 |
$71,000 | $345,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
589 | $75,276,000 |
$127,000 | $1,850,000 |
$78,000 | $1,639,000 |
| 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) |
2 | $260,000 |
$130,000 | $179,000 |
$80,000 | $88,000 |
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| Application Approved But Not Accepted |
145 | $21,777,000 |
$150,000 | $568,000 |
$68,000 | $345,000 |
| Application Denied By Financial Institution |
78 | $7,910,000 |
$101,000 | $452,000 |
$58,000 | $197,000 |
| Application Withdrawn By Applicant |
14 | $1,254,000 |
$89,000 | $200,000 |
$53,000 | $153,000 |
| File Closed For Incompleteness |
1 | $75,000 |
$75,000 | $75,000 |
$59,000 | $59,000 |
| Loan Originated |
305 | $36,256,000 |
$118,000 | $1,850,000 |
$89,000 | $1,639,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
42 | $7,403,000 |
$176,000 | $560,000 |
$74,000 | $274,000 |
| Preapproval Denied by Financial Institution |
6 | $861,000 |
$143,000 | $203,000 |
$81,000 | $116,000 |
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| Collateral |
7 | $897,000 |
$128,000 | $417,000 |
$20,000 | $73,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
51 | $4,098,000 |
$80,000 | $417,000 |
$56,000 | $197,000 |
| Debt-To-Income Ratio |
17 | $2,696,000 |
$158,000 | $452,000 |
$71,000 | $144,000 |
| 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 |
7 | $785,000 |
$112,000 | $250,000 |
$99,000 | $144,000 |
| Unverifiable Information |
2 | $295,000 |
$147,000 | $195,000 |
$49,000 | $80,000 |
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Mortgage Loan App Totals for FIRST NATIONAL BANK OF MISSOUR by:
Metropolitan Area And
County
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