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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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LIBERTY NATIONAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
LIBERTY NATIONAL BANK |
| Address | 4425 SINGING HILLS BLVD
SIOUX CITY, IA 51106 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 104 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $18,065,000 |
| Average Mortgage Loan Amount Applied For | $233,631 |
| Highest Mortgage Loan Amount Applied For | $2,632,000 |
| Average Applicant Income | $130,842 |
| Highest Applicant Income | $983,000 |
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| Home Improvement |
1 | $30,000 |
$30,000 | $30,000 |
$108,000 | $108,000 |
| Home Purchase |
54 | $6,640,000 |
$122,000 | $942,000 |
$88,000 | $558,000 |
| Refinancing |
49 | $11,395,000 |
$232,000 | $2,632,000 |
$127,000 | $983,000 |
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| American Indian or Alaskan Native |
1 | $18,000 |
$18,000 | $18,000 |
$19,000 | $19,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
4 | $83,000 |
$20,000 | $28,000 |
$71,000 | $192,000 |
| Hispanic |
3 | $127,000 |
$42,000 | $76,000 |
$47,000 | $64,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
5 | $2,798,000 |
$559,000 | $2,632,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
91 | $15,039,000 |
$165,000 | $1,700,000 |
$117,000 | $983,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
101 | $17,721,000 |
$175,000 | $2,632,000 |
$108,000 | $983,000 |
| FHA-insured (Federal Housing Administration) |
3 | $344,000 |
$114,000 | $183,000 |
$66,000 | $109,000 |
| 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 | $573,000 |
$191,000 | $285,000 |
$115,000 | $120,000 |
| Application Denied By Financial Institution |
11 | $998,000 |
$90,000 | $260,000 |
$53,000 | $100,000 |
| Application Withdrawn By Applicant |
12 | $2,201,000 |
$183,000 | $942,000 |
$101,000 | $327,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
78 | $14,293,000 |
$183,000 | $2,632,000 |
$115,000 | $983,000 |
| 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 |
$46,000 | $46,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
5 | $407,000 |
$81,000 | $100,000 |
$34,000 | $61,000 |
| Debt-To-Income Ratio |
5 | $571,000 |
$114,000 | $260,000 |
$73,000 | $100,000 |
| 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 LIBERTY NATIONAL BANK by:
Metropolitan Area And
County
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