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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 VALPARAISO
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST NATIONAL BANK VALPARAISO |
| Address | 14 INDIANA AVE
VALPARAISO, IN 46383 |
| 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 | 390 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $36,622,000 |
| Average Mortgage Loan Amount Applied For | $150,857 |
| Highest Mortgage Loan Amount Applied For | $417,000 |
| Average Applicant Income | $124,809 |
| Highest Applicant Income | $1,748,000 |
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| Home Improvement |
86 | $1,743,000 |
$20,000 | $227,000 |
$70,000 | $400,000 |
| Home Purchase |
142 | $21,564,000 |
$151,000 | $417,000 |
$83,000 | $664,000 |
| Refinancing |
180 | $16,088,000 |
$89,000 | $417,000 |
$92,000 | $1,748,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
2 | $190,000 |
$95,000 | $140,000 |
$260,000 | $341,000 |
| Black or African American |
1 | $50,000 |
$50,000 | $50,000 |
$111,000 | $111,000 |
| Hispanic |
2 | $40,000 |
$20,000 | $35,000 |
$66,000 | $82,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
9 | $1,026,000 |
$114,000 | $252,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
394 | $38,089,000 |
$96,000 | $417,000 |
$85,000 | $1,748,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
406 | $39,137,000 |
$96,000 | $417,000 |
$84,000 | $1,748,000 |
| FHA-insured (Federal Housing Administration) |
1 | $103,000 |
$103,000 | $103,000 |
$24,000 | $24,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
1 | $155,000 |
$155,000 | $155,000 |
$104,000 | $104,000 |
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| Application Approved But Not Accepted |
5 | $125,000 |
$25,000 | $50,000 |
$73,000 | $112,000 |
| Application Denied By Financial Institution |
40 | $3,015,000 |
$75,000 | $255,000 |
$60,000 | $362,000 |
| Application Withdrawn By Applicant |
8 | $1,249,000 |
$156,000 | $417,000 |
$55,000 | $97,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
338 | $32,650,000 |
$96,000 | $417,000 |
$89,000 | $1,748,000 |
| 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 |
17 | $2,356,000 |
$138,000 | $300,000 |
$58,000 | $150,000 |
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| Collateral |
2 | $206,000 |
$103,000 | $157,000 |
$35,000 | $52,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
38 | $3,464,000 |
$91,000 | $255,000 |
$57,000 | $123,000 |
| Debt-To-Income Ratio |
16 | $1,401,000 |
$87,000 | $261,000 |
$61,000 | $362,000 |
| 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 |
1 | $300,000 |
$300,000 | $300,000 |
$150,000 | $150,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for FIRST NATIONAL BANK VALPARAISO by:
Metropolitan Area And
County
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