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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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MIDLAND NATIONAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
MIDLAND NATIONAL BANK |
| Address | 527 MAIN
NEWTON, KS 67114 |
| 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 | 165 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $12,085,000 |
| Average Mortgage Loan Amount Applied For | $75,333 |
| Highest Mortgage Loan Amount Applied For | $502,000 |
| Average Applicant Income | $64,333 |
| Highest Applicant Income | $712,000 |
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| Home Improvement |
22 | $522,000 |
$23,000 | $77,000 |
$60,000 | $146,000 |
| Home Purchase |
100 | $8,783,000 |
$87,000 | $255,000 |
$76,000 | $712,000 |
| Refinancing |
70 | $5,487,000 |
$78,000 | $502,000 |
$58,000 | $267,000 |
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| American Indian or Alaskan Native |
1 | $8,000 |
$8,000 | $8,000 |
$29,000 | $29,000 |
| Asian |
1 | $27,000 |
$27,000 | $27,000 |
$62,000 | $62,000 |
| Black or African American |
3 | $175,000 |
$58,000 | $120,000 |
$43,000 | $46,000 |
| Hispanic |
12 | $508,000 |
$42,000 | $110,000 |
$35,000 | $67,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
3 | $601,000 |
$200,000 | $502,000 |
$60,000 | $101,000 |
| Not Provided |
5 | $252,000 |
$50,000 | $88,000 |
$34,000 | $48,000 |
| White |
167 | $13,221,000 |
$79,000 | $279,000 |
$72,000 | $712,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
192 | $14,792,000 |
$77,000 | $502,000 |
$67,000 | $712,000 |
| 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 |
1 | $13,000 |
$13,000 | $13,000 |
$34,000 | $34,000 |
| Application Denied By Financial Institution |
19 | $1,135,000 |
$59,000 | $144,000 |
$40,000 | $112,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
160 | $12,542,000 |
$78,000 | $502,000 |
$74,000 | $712,000 |
| 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 |
12 | $1,102,000 |
$91,000 | $169,000 |
$32,000 | $62,000 |
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| Collateral |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
21 | $1,434,000 |
$68,000 | $160,000 |
$38,000 | $112,000 |
| Debt-To-Income Ratio |
7 | $432,000 |
$61,000 | $169,000 |
$33,000 | $54,000 |
| Employment History |
1 | $112,000 |
$112,000 | $112,000 |
$62,000 | $62,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $144,000 |
$144,000 | $144,000 |
$26,000 | $26,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $115,000 |
$115,000 | $115,000 |
$28,000 | $28,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for MIDLAND NATIONAL BANK by:
Metropolitan Area And
County
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