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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 OTTAWA
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST NATIONAL BANK OF OTTAWA |
| Address | 701 LASALLE STREET
OTTAWA, IL 61350 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 19 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $2,348,000 |
| Average Mortgage Loan Amount Applied For | $162,000 |
| Highest Mortgage Loan Amount Applied For | $417,000 |
| Average Applicant Income | $87,800 |
| Highest Applicant Income | $217,000 |
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| Home Improvement |
7 | $237,000 |
$33,000 | $55,000 |
$87,000 | $312,000 |
| Home Purchase |
61 | $6,703,000 |
$109,000 | $385,000 |
$76,000 | $350,000 |
| Refinancing |
66 | $5,770,000 |
$87,000 | $417,000 |
$87,000 | $1,140,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $256,000 |
$256,000 | $256,000 |
$350,000 | $350,000 |
| Black or African American |
3 | $438,000 |
$146,000 | $207,000 |
$107,000 | $268,000 |
| Hispanic |
5 | $487,000 |
$97,000 | $234,000 |
$45,000 | $92,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
125 | $11,529,000 |
$92,000 | $417,000 |
$80,000 | $1,140,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
126 | $11,982,000 |
$95,000 | $417,000 |
$84,000 | $1,140,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
8 | $728,000 |
$91,000 | $140,000 |
$38,000 | $45,000 |
| 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 |
8 | $717,000 |
$89,000 | $232,000 |
$46,000 | $139,000 |
| Application Withdrawn By Applicant |
21 | $1,734,000 |
$82,000 | $234,000 |
$55,000 | $134,000 |
| File Closed For Incompleteness |
1 | $75,000 |
$75,000 | $75,000 |
$43,000 | $43,000 |
| Loan Originated |
104 | $10,184,000 |
$97,000 | $417,000 |
$90,000 | $1,140,000 |
| 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 |
7 | $643,000 |
$91,000 | $232,000 |
$46,000 | $139,000 |
| Debt-To-Income Ratio |
1 | $74,000 |
$74,000 | $74,000 |
$49,000 | $49,000 |
| 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 OTTAWA by:
Metropolitan Area And
County
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