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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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GIRARD NATIONAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
GIRARD NATIONAL BANK |
| Address | 100 E. FOREST
GIRARD, KS 66743 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 277 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $10,955,000 |
| Average Mortgage Loan Amount Applied For | $67,933 |
| Highest Mortgage Loan Amount Applied For | $830,000 |
| Average Applicant Income | $71,200 |
| Highest Applicant Income | $4,109,000 |
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| Home Improvement |
43 | $787,000 |
$18,000 | $49,000 |
$65,000 | $227,000 |
| Home Purchase |
98 | $3,984,000 |
$40,000 | $249,000 |
$95,000 | $4,109,000 |
| Refinancing |
136 | $6,184,000 |
$45,000 | $830,000 |
$53,000 | $300,000 |
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| American Indian or Alaskan Native |
4 | $95,000 |
$23,000 | $66,000 |
$27,000 | $58,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
1 | $7,000 |
$7,000 | $7,000 |
$23,000 | $23,000 |
| Hispanic |
5 | $156,000 |
$31,000 | $57,000 |
$47,000 | $86,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
13 | $329,000 |
$25,000 | $76,000 |
$44,000 | $85,000 |
| Not Provided |
5 | $136,000 |
$27,000 | $55,000 |
$19,000 | $31,000 |
| White |
249 | $10,232,000 |
$41,000 | $830,000 |
$74,000 | $4,109,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
277 | $10,955,000 |
$39,000 | $830,000 |
$70,000 | $4,109,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
31 | $1,252,000 |
$40,000 | $180,000 |
$35,000 | $120,000 |
| Application Withdrawn By Applicant |
1 | $30,000 |
$30,000 | $30,000 |
$109,000 | $109,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
245 | $9,673,000 |
$39,000 | $830,000 |
$74,000 | $4,109,000 |
| 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 | $5,000 |
$5,000 | $5,000 |
$23,000 | $23,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
25 | $999,000 |
$39,000 | $180,000 |
$34,000 | $120,000 |
| Debt-To-Income Ratio |
5 | $248,000 |
$49,000 | $138,000 |
$43,000 | $96,000 |
| 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 GIRARD NATIONAL BANK by:
Metropolitan Area And
County
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