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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 WATERLO
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST NATIONAL BANK OF WATERLO |
| Address | 228 S. MAIN STREET
WATERLOO, IL 62298 |
| 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 | 274 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $31,864,000 |
| Average Mortgage Loan Amount Applied For | $113,666 |
| Highest Mortgage Loan Amount Applied For | $380,000 |
| Average Applicant Income | $111,866 |
| Highest Applicant Income | $447,000 |
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| Home Improvement |
12 | $859,000 |
$71,000 | $149,000 |
$74,000 | $161,000 |
| Home Purchase |
126 | $15,259,000 |
$121,000 | $380,000 |
$73,000 | $391,000 |
| Refinancing |
137 | $15,881,000 |
$115,000 | $337,000 |
$78,000 | $447,000 |
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| American Indian or Alaskan Native |
1 | $52,000 |
$52,000 | $52,000 |
$49,000 | $49,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
5 | $459,000 |
$91,000 | $160,000 |
$62,000 | $102,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
2 | $279,000 |
$139,000 | $175,000 |
$0 | $0 |
| Not Provided |
2 | $192,000 |
$96,000 | $149,000 |
$48,000 | $84,000 |
| White |
265 | $31,017,000 |
$117,000 | $380,000 |
$77,000 | $447,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
275 | $31,999,000 |
$116,000 | $380,000 |
$76,000 | $447,000 |
| 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) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
17 | $2,050,000 |
$120,000 | $310,000 |
$56,000 | $123,000 |
| Application Denied By Financial Institution |
14 | $1,349,000 |
$96,000 | $169,000 |
$45,000 | $102,000 |
| Application Withdrawn By Applicant |
6 | $743,000 |
$123,000 | $268,000 |
$80,000 | $167,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
238 | $27,857,000 |
$117,000 | $380,000 |
$79,000 | $447,000 |
| 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 |
2 | $180,000 |
$90,000 | $150,000 |
$73,000 | $102,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
7 | $622,000 |
$88,000 | $162,000 |
$40,000 | $74,000 |
| Debt-To-Income Ratio |
4 | $488,000 |
$122,000 | $169,000 |
$48,000 | $82,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $59,000 |
$59,000 | $59,000 |
$13,000 | $13,000 |
| 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 WATERLO by:
Metropolitan Area And
County
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