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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 STLOUIS
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST NATIONAL BANK OF STLOUIS |
| Address | 7707 FORSYTH BLVD
CLAYTON, MO 63105 |
| 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 | 905 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $155,563,000 |
| Average Mortgage Loan Amount Applied For | $283,041 |
| Highest Mortgage Loan Amount Applied For | $3,425,000 |
| Average Applicant Income | $93,812 |
| Highest Applicant Income | $1,177,000 |
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| Home Improvement |
2 | $882,000 |
$441,000 | $450,000 |
$309,000 | $476,000 |
| Home Purchase |
549 | $92,036,000 |
$167,000 | $2,108,000 |
$82,000 | $1,177,000 |
| Refinancing |
354 | $62,645,000 |
$176,000 | $3,425,000 |
$89,000 | $388,000 |
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| American Indian or Alaskan Native |
4 | $391,000 |
$97,000 | $172,000 |
$67,000 | $82,000 |
| Asian |
12 | $2,358,000 |
$196,000 | $360,000 |
$125,000 | $214,000 |
| Black or African American |
30 | $3,805,000 |
$126,000 | $336,000 |
$51,000 | $128,000 |
| Hispanic |
7 | $924,000 |
$132,000 | $193,000 |
$61,000 | $135,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
28 | $14,079,000 |
$502,000 | $3,425,000 |
$0 | $0 |
| Not Provided |
24 | $4,393,000 |
$183,000 | $507,000 |
$86,000 | $365,000 |
| White |
800 | $129,613,000 |
$162,000 | $2,108,000 |
$89,000 | $1,177,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
904 | $155,360,000 |
$171,000 | $3,425,000 |
$86,000 | $1,177,000 |
| FHA-insured (Federal Housing Administration) |
1 | $203,000 |
$203,000 | $203,000 |
$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 |
44 | $8,210,000 |
$186,000 | $552,000 |
$88,000 | $290,000 |
| Application Denied By Financial Institution |
28 | $3,785,000 |
$135,000 | $370,000 |
$59,000 | $160,000 |
| Application Withdrawn By Applicant |
29 | $5,065,000 |
$174,000 | $603,000 |
$90,000 | $320,000 |
| File Closed For Incompleteness |
2 | $346,000 |
$173,000 | $266,000 |
$146,000 | $180,000 |
| Loan Originated |
802 | $138,157,000 |
$172,000 | $3,425,000 |
$86,000 | $1,177,000 |
| 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 |
10 | $1,455,000 |
$145,000 | $370,000 |
$65,000 | $132,000 |
| Debt-To-Income Ratio |
12 | $1,597,000 |
$133,000 | $300,000 |
$42,000 | $104,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $83,000 |
$83,000 | $83,000 |
$21,000 | $21,000 |
| Mortgage Insurance Denied |
2 | $215,000 |
$107,000 | $172,000 |
$82,000 | $82,000 |
| Other |
2 | $279,000 |
$139,000 | $224,000 |
$98,000 | $160,000 |
| Unverifiable Information |
1 | $156,000 |
$156,000 | $156,000 |
$126,000 | $126,000 |
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Mortgage Loan App Totals for FIRST NATIONAL BANK OF STLOUIS by:
Metropolitan Area And
County
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