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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 | 316 E BREMER AVE
WAVERLY, IA 50677 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 196 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $21,072,000 |
| Average Mortgage Loan Amount Applied For | $185,444 |
| Highest Mortgage Loan Amount Applied For | $1,280,000 |
| Average Applicant Income | $87,888 |
| Highest Applicant Income | $1,406,000 |
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| Home Improvement |
27 | $685,000 |
$25,000 | $66,000 |
$52,000 | $88,000 |
| Home Purchase |
110 | $13,351,000 |
$121,000 | $800,000 |
$92,000 | $480,000 |
| Refinancing |
59 | $7,036,000 |
$119,000 | $1,280,000 |
$163,000 | $1,406,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
3 | $322,000 |
$107,000 | $260,000 |
$81,000 | $175,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
14 | $4,453,000 |
$318,000 | $1,280,000 |
$349,000 | $1,226,000 |
| Not Provided |
3 | $638,000 |
$212,000 | $310,000 |
$113,000 | $142,000 |
| White |
176 | $15,659,000 |
$88,000 | $417,000 |
$89,000 | $1,406,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
189 | $20,313,000 |
$107,000 | $1,280,000 |
$108,000 | $1,406,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
7 | $759,000 |
$108,000 | $230,000 |
$109,000 | $168,000 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
5 | $698,000 |
$139,000 | $272,000 |
$81,000 | $101,000 |
| Application Denied By Financial Institution |
6 | $458,000 |
$76,000 | $148,000 |
$38,000 | $58,000 |
| Application Withdrawn By Applicant |
2 | $180,000 |
$90,000 | $140,000 |
$35,000 | $45,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
183 | $19,736,000 |
$107,000 | $1,280,000 |
$112,000 | $1,406,000 |
| 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 |
1 | $148,000 |
$148,000 | $148,000 |
$37,000 | $37,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
3 | $156,000 |
$52,000 | $116,000 |
$41,000 | $58,000 |
| Debt-To-Income Ratio |
2 | $154,000 |
$77,000 | $129,000 |
$34,000 | $46,000 |
| 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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