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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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HILLSDALE COUNTY NATIONAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
HILLSDALE COUNTY NATIONAL BANK |
| Address | ONE SOUTH HOWELL ST
HILLSDALE, MI 49242 |
| 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 | 130 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $11,800,000 |
| Average Mortgage Loan Amount Applied For | $185,916 |
| Highest Mortgage Loan Amount Applied For | $810,000 |
| Average Applicant Income | $122,750 |
| Highest Applicant Income | $667,000 |
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| Home Improvement |
28 | $2,041,000 |
$72,000 | $780,000 |
$104,000 | $637,000 |
| Home Purchase |
39 | $2,939,000 |
$75,000 | $519,000 |
$78,000 | $667,000 |
| Refinancing |
63 | $6,820,000 |
$108,000 | $810,000 |
$66,000 | $442,000 |
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| American Indian or Alaskan Native |
1 | $135,000 |
$135,000 | $135,000 |
$60,000 | $60,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
1 | $48,000 |
$48,000 | $48,000 |
$442,000 | $442,000 |
| Hispanic |
1 | $45,000 |
$45,000 | $45,000 |
$74,000 | $74,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
17 | $4,087,000 |
$240,000 | $810,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
110 | $7,485,000 |
$68,000 | $519,000 |
$86,000 | $667,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
130 | $11,800,000 |
$90,000 | $810,000 |
$78,000 | $667,000 |
| 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 |
3 | $87,000 |
$29,000 | $37,000 |
$68,000 | $92,000 |
| Application Denied By Financial Institution |
2 | $40,000 |
$20,000 | $20,000 |
$46,000 | $54,000 |
| Application Withdrawn By Applicant |
2 | $26,000 |
$13,000 | $17,000 |
$34,000 | $41,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
123 | $11,647,000 |
$94,000 | $810,000 |
$79,000 | $667,000 |
| 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 | $20,000 |
$20,000 | $20,000 |
$54,000 | $54,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Debt-To-Income Ratio |
1 | $20,000 |
$20,000 | $20,000 |
$38,000 | $38,000 |
| 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 HILLSDALE COUNTY NATIONAL BANK by:
Metropolitan Area And
County
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