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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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HELENA NATIONAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
HELENA NATIONAL BANK |
| Address | 302 CHERRY STREET
HELENA, AR 72342 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2006 |
| Total Number of Mortgage Loan Applications Processed | 68 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $1,370,000 |
| Average Mortgage Loan Amount Applied For | $58,142 |
| Highest Mortgage Loan Amount Applied For | $265,000 |
| Average Applicant Income | $22,428 |
| Highest Applicant Income | $100,000 |
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| Home Improvement |
41 | $577,000 |
$14,000 | $265,000 |
$27,000 | $100,000 |
| Home Purchase |
24 | $722,000 |
$30,000 | $74,000 |
$28,000 | $67,000 |
| Refinancing |
3 | $71,000 |
$23,000 | $32,000 |
$20,000 | $37,000 |
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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 |
29 | $484,000 |
$16,000 | $265,000 |
$23,000 | $58,000 |
| Hispanic |
1 | $21,000 |
$21,000 | $21,000 |
$67,000 | $67,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
38 | $865,000 |
$22,000 | $74,000 |
$29,000 | $100,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
68 | $1,370,000 |
$20,000 | $265,000 |
$27,000 | $100,000 |
| 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 | $985,000 |
$31,000 | $265,000 |
$25,000 | $100,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
37 | $385,000 |
$10,000 | $40,000 |
$29,000 | $67,000 |
| 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 |
2 | $80,000 |
$40,000 | $55,000 |
$24,000 | $38,000 |
| Credit Application Incomplete |
1 | $60,000 |
$60,000 | $60,000 |
$16,000 | $16,000 |
| Credit History |
23 | $635,000 |
$27,000 | $265,000 |
$23,000 | $48,000 |
| Debt-To-Income Ratio |
2 | $95,000 |
$47,000 | $65,000 |
$65,000 | $100,000 |
| Employment History |
1 | $5,000 |
$5,000 | $5,000 |
$12,000 | $12,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $36,000 |
$36,000 | $36,000 |
$13,000 | $13,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $74,000 |
$74,000 | $74,000 |
$43,000 | $43,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for HELENA NATIONAL BANK by:
Metropolitan Area And
County
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