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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 NEW RIC
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST NATIONAL BANK OF NEW RIC |
| Address | 109 E 2ND ST BOX 89
NEW RICHMOND, WI 54017 |
| 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 | 203 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $37,300,000 |
| Average Mortgage Loan Amount Applied For | $191,823 |
| Highest Mortgage Loan Amount Applied For | $850,000 |
| Average Applicant Income | $115,470 |
| Highest Applicant Income | $622,000 |
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| Home Improvement |
8 | $272,000 |
$34,000 | $140,000 |
$63,000 | $101,000 |
| Home Purchase |
82 | $14,893,000 |
$181,000 | $600,000 |
$82,000 | $238,000 |
| Refinancing |
115 | $22,401,000 |
$194,000 | $850,000 |
$93,000 | $622,000 |
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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 |
1 | $541,000 |
$541,000 | $541,000 |
$127,000 | $127,000 |
| Hispanic |
2 | $159,000 |
$79,000 | $151,000 |
$67,000 | $101,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
1 | $207,000 |
$207,000 | $207,000 |
$73,000 | $73,000 |
| White |
201 | $36,659,000 |
$182,000 | $850,000 |
$88,000 | $622,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
199 | $36,679,000 |
$184,000 | $850,000 |
$88,000 | $622,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
2 | $272,000 |
$136,000 | $150,000 |
$59,000 | $60,000 |
| VA-guaranteed (Veterans Administration) |
4 | $615,000 |
$153,000 | $172,000 |
$66,000 | $92,000 |
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| Application Approved But Not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
12 | $2,216,000 |
$184,000 | $300,000 |
$65,000 | $100,000 |
| Application Withdrawn By Applicant |
20 | $4,642,000 |
$232,000 | $497,000 |
$84,000 | $216,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
171 | $30,442,000 |
$178,000 | $850,000 |
$90,000 | $622,000 |
| 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 |
2 | $266,000 |
$133,000 | $143,000 |
$43,000 | $50,000 |
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| Collateral |
1 | $190,000 |
$190,000 | $190,000 |
$100,000 | $100,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
11 | $2,057,000 |
$187,000 | $300,000 |
$60,000 | $94,000 |
| Debt-To-Income Ratio |
2 | $235,000 |
$117,000 | $187,000 |
$56,000 | $59,000 |
| 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 NEW RIC by:
Metropolitan Area And
County
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