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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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HOME NATIONAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
HOME NATIONAL BANK |
| Address | 1350 W DOOLIN
BLACKWELL, OK 74631 |
| 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 | 474 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $45,519,000 |
| Average Mortgage Loan Amount Applied For | $124,178 |
| Highest Mortgage Loan Amount Applied For | $1,100,000 |
| Average Applicant Income | $86,000 |
| Highest Applicant Income | $3,736,000 |
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| Home Improvement |
38 | $2,260,000 |
$59,000 | $1,000,000 |
$100,000 | $1,023,000 |
| Home Purchase |
252 | $22,930,000 |
$90,000 | $1,100,000 |
$73,000 | $594,000 |
| Refinancing |
184 | $20,329,000 |
$110,000 | $1,000,000 |
$100,000 | $3,736,000 |
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| American Indian or Alaskan Native |
11 | $642,000 |
$58,000 | $200,000 |
$65,000 | $225,000 |
| Asian |
9 | $1,750,000 |
$194,000 | $880,000 |
$123,000 | $352,000 |
| Black or African American |
2 | $14,000 |
$7,000 | $9,000 |
$34,000 | $39,000 |
| Hispanic |
19 | $1,312,000 |
$69,000 | $302,000 |
$53,000 | $160,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
17 | $1,301,000 |
$76,000 | $187,000 |
$25,000 | $189,000 |
| Not Provided |
1 | $300,000 |
$300,000 | $300,000 |
$120,000 | $120,000 |
| White |
415 | $40,200,000 |
$96,000 | $1,100,000 |
$89,000 | $3,736,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
474 | $45,519,000 |
$96,000 | $1,100,000 |
$85,000 | $3,736,000 |
| 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 |
8 | $1,978,000 |
$247,000 | $1,100,000 |
$76,000 | $418,000 |
| Application Denied By Financial Institution |
60 | $5,896,000 |
$98,000 | $637,000 |
$53,000 | $417,000 |
| Application Withdrawn By Applicant |
51 | $8,118,000 |
$159,000 | $1,050,000 |
$76,000 | $378,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
355 | $29,527,000 |
$83,000 | $1,000,000 |
$93,000 | $3,736,000 |
| 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 |
13 | $1,598,000 |
$122,000 | $416,000 |
$83,000 | $417,000 |
| Credit Application Incomplete |
2 | $156,000 |
$78,000 | $107,000 |
$49,000 | $77,000 |
| Credit History |
24 | $1,266,000 |
$52,000 | $156,000 |
$35,000 | $131,000 |
| Debt-To-Income Ratio |
16 | $2,358,000 |
$147,000 | $637,000 |
$49,000 | $143,000 |
| Employment History |
1 | $15,000 |
$15,000 | $15,000 |
$13,000 | $13,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $68,000 |
$68,000 | $68,000 |
$39,000 | $39,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
2 | $356,000 |
$178,000 | $280,000 |
$138,000 | $200,000 |
| Unverifiable Information |
1 | $79,000 |
$79,000 | $79,000 |
$26,000 | $26,000 |
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Mortgage Loan App Totals for HOME NATIONAL BANK by:
Metropolitan Area And
County
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