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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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LINCOLN NATIONAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
LINCOLN NATIONAL BANK |
| Address | P.O. BOX 9, 41 PUBLIC SQUARE
HODGENVILLE, KY 42748 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 163 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $10,853,000 |
| Average Mortgage Loan Amount Applied For | $61,250 |
| Highest Mortgage Loan Amount Applied For | $300,000 |
| Average Applicant Income | $41,875 |
| Highest Applicant Income | $226,000 |
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| Home Improvement |
50 | $1,949,000 |
$38,000 | $115,000 |
$46,000 | $164,000 |
| Home Purchase |
76 | $6,114,000 |
$80,000 | $270,000 |
$45,000 | $226,000 |
| Refinancing |
37 | $2,790,000 |
$75,000 | $300,000 |
$48,000 | $139,000 |
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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 |
5 | $247,000 |
$49,000 | $67,000 |
$45,000 | $88,000 |
| Hispanic |
4 | $248,000 |
$62,000 | $159,000 |
$59,000 | $63,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
2 | $133,000 |
$66,000 | $104,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
152 | $10,225,000 |
$67,000 | $300,000 |
$46,000 | $226,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
163 | $10,853,000 |
$66,000 | $300,000 |
$46,000 | $226,000 |
| 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 |
7 | $686,000 |
$98,000 | $175,000 |
$43,000 | $69,000 |
| Application Denied By Financial Institution |
44 | $2,673,000 |
$60,000 | $204,000 |
$37,000 | $83,000 |
| Application Withdrawn By Applicant |
6 | $489,000 |
$81,000 | $171,000 |
$33,000 | $70,000 |
| File Closed For Incompleteness |
1 | $53,000 |
$53,000 | $53,000 |
$21,000 | $21,000 |
| Loan Originated |
105 | $6,952,000 |
$66,000 | $300,000 |
$51,000 | $226,000 |
| 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 |
5 | $252,000 |
$50,000 | $65,000 |
$37,000 | $64,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
23 | $1,544,000 |
$67,000 | $204,000 |
$43,000 | $83,000 |
| Debt-To-Income Ratio |
15 | $860,000 |
$57,000 | $121,000 |
$28,000 | $66,000 |
| Employment History |
1 | $17,000 |
$17,000 | $17,000 |
$63,000 | $63,000 |
| 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 LINCOLN NATIONAL BANK by:
Metropolitan Area And
County
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