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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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HNB NATIONAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
HNB NATIONAL BANK |
| Address | P O BOX 1107; 100 NORTH MAIN
HANNIBAL, MO 63401 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 315 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $29,549,000 |
| Average Mortgage Loan Amount Applied For | $103,111 |
| Highest Mortgage Loan Amount Applied For | $989,000 |
| Average Applicant Income | $57,722 |
| Highest Applicant Income | $385,000 |
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| Home Improvement |
32 | $1,272,000 |
$39,000 | $213,000 |
$52,000 | $129,000 |
| Home Purchase |
181 | $18,118,000 |
$100,000 | $989,000 |
$58,000 | $385,000 |
| Refinancing |
122 | $11,876,000 |
$97,000 | $610,000 |
$68,000 | $352,000 |
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| American Indian or Alaskan Native |
1 | $34,000 |
$34,000 | $34,000 |
$47,000 | $47,000 |
| Asian |
1 | $184,000 |
$184,000 | $184,000 |
$31,000 | $31,000 |
| Black or African American |
2 | $99,000 |
$49,000 | $50,000 |
$26,000 | $31,000 |
| Hispanic |
2 | $185,000 |
$92,000 | $107,000 |
$50,000 | $60,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $989,000 |
$989,000 | $989,000 |
$385,000 | $385,000 |
| Not applicable |
7 | $628,000 |
$89,000 | $213,000 |
$69,000 | $166,000 |
| Not Provided |
8 | $521,000 |
$65,000 | $165,000 |
$48,000 | $85,000 |
| White |
313 | $28,626,000 |
$91,000 | $610,000 |
$61,000 | $352,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
335 | $31,266,000 |
$93,000 | $989,000 |
$61,000 | $385,000 |
| 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 |
22 | $2,172,000 |
$98,000 | $295,000 |
$49,000 | $115,000 |
| Application Denied By Financial Institution |
29 | $1,781,000 |
$61,000 | $160,000 |
$34,000 | $85,000 |
| Application Withdrawn By Applicant |
1 | $275,000 |
$275,000 | $275,000 |
$109,000 | $109,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
263 | $25,321,000 |
$96,000 | $989,000 |
$66,000 | $385,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
13 | $1,351,000 |
$103,000 | $165,000 |
$51,000 | $95,000 |
| Preapproval Denied by Financial Institution |
7 | $366,000 |
$52,000 | $70,000 |
$28,000 | $50,000 |
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| Collateral |
1 | $33,000 |
$33,000 | $33,000 |
$18,000 | $18,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
21 | $1,114,000 |
$53,000 | $153,000 |
$36,000 | $85,000 |
| Debt-To-Income Ratio |
13 | $975,000 |
$75,000 | $160,000 |
$30,000 | $46,000 |
| 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 |
1 | $25,000 |
$25,000 | $25,000 |
$14,000 | $14,000 |
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Mortgage Loan App Totals for HNB NATIONAL BANK by:
Metropolitan Area And
County
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