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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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GARDNER NATIONAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
GARDNER NATIONAL BANK |
| Address | 840 E. MAIN PO BOX 429
GARDNER, KS 66030 |
| 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 | 89 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $10,590,000 |
| Average Mortgage Loan Amount Applied For | $112,111 |
| Highest Mortgage Loan Amount Applied For | $403,000 |
| Average Applicant Income | $59,166 |
| Highest Applicant Income | $257,000 |
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| Home Improvement |
11 | $379,000 |
$34,000 | $166,000 |
$66,000 | $135,000 |
| Home Purchase |
38 | $5,370,000 |
$141,000 | $403,000 |
$64,000 | $171,000 |
| Refinancing |
41 | $4,910,000 |
$119,000 | $340,000 |
$62,000 | $257,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
3 | $432,000 |
$144,000 | $164,000 |
$27,000 | $51,000 |
| Black or African American |
1 | $160,000 |
$160,000 | $160,000 |
$120,000 | $120,000 |
| Hispanic |
1 | $111,000 |
$111,000 | $111,000 |
$257,000 | $257,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
5 | $530,000 |
$106,000 | $285,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
80 | $9,426,000 |
$117,000 | $403,000 |
$66,000 | $254,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
90 | $10,659,000 |
$118,000 | $403,000 |
$64,000 | $257,000 |
| 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 |
1 | $128,000 |
$128,000 | $128,000 |
$80,000 | $80,000 |
| Application Denied By Financial Institution |
10 | $964,000 |
$96,000 | $403,000 |
$55,000 | $137,000 |
| Application Withdrawn By Applicant |
1 | $118,000 |
$118,000 | $118,000 |
$78,000 | $78,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
78 | $9,449,000 |
$121,000 | $378,000 |
$64,000 | $257,000 |
| 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 |
9 | $855,000 |
$95,000 | $403,000 |
$55,000 | $137,000 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Employment History |
1 | $109,000 |
$109,000 | $109,000 |
$56,000 | $56,000 |
| 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 GARDNER NATIONAL BANK by:
Metropolitan Area And
County
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