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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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HERITAGE BANK NA
Mortgage Loans and Application Details
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| Mortgage Company Name |
HERITAGE BANK NA |
| Address | 4530 SINGING HILLS BLVD
SIOUX CITY, IA 51106 |
| 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 | 30 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $2,829,000 |
| Average Mortgage Loan Amount Applied For | $82,333 |
| Highest Mortgage Loan Amount Applied For | $675,000 |
| Average Applicant Income | $39,666 |
| Highest Applicant Income | $178,000 |
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| Home Improvement |
25 | $698,000 |
$27,000 | $80,000 |
$53,000 | $315,000 |
| Home Purchase |
28 | $2,601,000 |
$92,000 | $675,000 |
$45,000 | $178,000 |
| Refinancing |
32 | $2,003,000 |
$62,000 | $263,000 |
$53,000 | $247,000 |
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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 |
12 | $345,000 |
$28,000 | $76,000 |
$28,000 | $54,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
3 | $998,000 |
$332,000 | $675,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
70 | $3,959,000 |
$56,000 | $210,000 |
$56,000 | $315,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
85 | $5,302,000 |
$62,000 | $675,000 |
$50,000 | $315,000 |
| 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 |
4 | $160,000 |
$40,000 | $55,000 |
$30,000 | $40,000 |
| Application Denied By Financial Institution |
13 | $894,000 |
$68,000 | $208,000 |
$38,000 | $116,000 |
| Application Withdrawn By Applicant |
15 | $1,447,000 |
$96,000 | $210,000 |
$55,000 | $132,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
53 | $2,801,000 |
$52,000 | $675,000 |
$53,000 | $315,000 |
| 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 | $34,000 |
$17,000 | $30,000 |
$14,000 | $16,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
6 | $349,000 |
$58,000 | $92,000 |
$33,000 | $54,000 |
| Debt-To-Income Ratio |
3 | $238,000 |
$79,000 | $132,000 |
$47,000 | $75,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $65,000 |
$65,000 | $65,000 |
$20,000 | $20,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $208,000 |
$208,000 | $208,000 |
$116,000 | $116,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for HERITAGE BANK NA by:
Metropolitan Area And
County
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