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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
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST NATIONAL BANK |
| Address | 125 WEST SIOUX AVE
PIERRE, SD 57501 |
| 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 | 186 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $17,735,000 |
| Average Mortgage Loan Amount Applied For | $145,769 |
| Highest Mortgage Loan Amount Applied For | $591,000 |
| Average Applicant Income | $72,730 |
| Highest Applicant Income | $524,000 |
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| Home Improvement |
24 | $872,000 |
$36,000 | $150,000 |
$66,000 | $272,000 |
| Home Purchase |
89 | $11,109,000 |
$124,000 | $591,000 |
$69,000 | $358,000 |
| Refinancing |
73 | $5,754,000 |
$78,000 | $384,000 |
$77,000 | $524,000 |
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| American Indian or Alaskan Native |
1 | $17,000 |
$17,000 | $17,000 |
$20,000 | $20,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
1 | $14,000 |
$14,000 | $14,000 |
$120,000 | $120,000 |
| Hispanic |
7 | $947,000 |
$135,000 | $384,000 |
$101,000 | $165,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
14 | $3,064,000 |
$218,000 | $591,000 |
$0 | $0 |
| Not Provided |
1 | $306,000 |
$306,000 | $306,000 |
$171,000 | $171,000 |
| White |
162 | $13,387,000 |
$82,000 | $319,000 |
$76,000 | $524,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
179 | $16,766,000 |
$93,000 | $591,000 |
$72,000 | $524,000 |
| FHA-insured (Federal Housing Administration) |
1 | $131,000 |
$131,000 | $131,000 |
$63,000 | $63,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
2 | $245,000 |
$122,000 | $150,000 |
$38,000 | $45,000 |
| VA-guaranteed (Veterans Administration) |
4 | $593,000 |
$148,000 | $265,000 |
$73,000 | $88,000 |
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| Application Approved But Not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
7 | $461,000 |
$65,000 | $131,000 |
$33,000 | $63,000 |
| Application Withdrawn By Applicant |
9 | $1,316,000 |
$146,000 | $319,000 |
$49,000 | $80,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
170 | $15,958,000 |
$93,000 | $591,000 |
$74,000 | $524,000 |
| 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 |
4 | $224,000 |
$56,000 | $131,000 |
$32,000 | $63,000 |
| Debt-To-Income Ratio |
3 | $237,000 |
$79,000 | $125,000 |
$34,000 | $53,000 |
| 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 by:
Metropolitan Area And
County
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