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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 RF
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST NATIONAL BANK OF RF |
| Address | 104 E LOCUST ST - PO BOX 166
RIVER FALLS, WI 54022 |
| 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 | 167 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $33,115,000 |
| Average Mortgage Loan Amount Applied For | $204,294 |
| Highest Mortgage Loan Amount Applied For | $1,465,000 |
| Average Applicant Income | $93,470 |
| Highest Applicant Income | $710,000 |
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| Home Improvement |
8 | $405,000 |
$50,000 | $180,000 |
$93,000 | $162,000 |
| Home Purchase |
111 | $22,455,000 |
$202,000 | $1,465,000 |
$81,000 | $710,000 |
| Refinancing |
75 | $14,778,000 |
$197,000 | $508,000 |
$89,000 | $352,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $289,000 |
$289,000 | $289,000 |
$62,000 | $62,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
1 | $255,000 |
$255,000 | $255,000 |
$58,000 | $58,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
7 | $3,542,000 |
$506,000 | $1,465,000 |
$1,000 | $11,000 |
| Not Provided |
11 | $1,863,000 |
$169,000 | $240,000 |
$58,000 | $113,000 |
| White |
174 | $31,689,000 |
$182,000 | $688,000 |
$90,000 | $710,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
193 | $37,455,000 |
$194,000 | $1,465,000 |
$85,000 | $710,000 |
| 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) |
1 | $183,000 |
$183,000 | $183,000 |
$81,000 | $81,000 |
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| Application Approved But Not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
12 | $2,103,000 |
$175,000 | $220,000 |
$67,000 | $105,000 |
| Application Withdrawn By Applicant |
64 | $12,072,000 |
$188,000 | $476,000 |
$73,000 | $291,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
118 | $23,463,000 |
$198,000 | $1,465,000 |
$93,000 | $710,000 |
| 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 |
12 | $2,103,000 |
$175,000 | $220,000 |
$67,000 | $105,000 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 RF by:
Metropolitan Area And
County
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