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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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MILLS COUNTY BANK NA
Mortgage Loans and Application Details
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| Mortgage Company Name |
MILLS COUNTY BANK NA |
| Address | 102 SOUTH LOCUST
GLENWOOD, IA 51534 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2005 |
| All Data Years | 2004 2005 |
| Total Number of Mortgage Loan Applications Processed | 175 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $12,683,000 |
| Average Mortgage Loan Amount Applied For | $69,266 |
| Highest Mortgage Loan Amount Applied For | $352,000 |
| Average Applicant Income | $60,200 |
| Highest Applicant Income | $223,000 |
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| Home Improvement |
25 | $586,000 |
$19,500 | $165,000 |
$90,000 | $208,000 |
| Home Purchase |
99 | $7,675,000 |
$72,333 | $352,000 |
$55,333 | $223,000 |
| Refinancing |
51 | $4,422,000 |
$79,666 | $253,000 |
$52,333 | $126,000 |
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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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
2 | $84,000 |
$42,000 | $59,000 |
$58,000 | $90,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
2 | $11,000 |
$5,000 | $7,000 |
$42,000 | $53,000 |
| White |
171 | $12,588,000 |
$60,250 | $352,000 |
$66,750 | $223,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
129 | $9,118,000 |
$58,250 | $352,000 |
$72,750 | $223,000 |
| FHA-insured (Federal Housing Administration) |
30 | $2,164,000 |
$78,000 | $163,000 |
$36,000 | $76,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
8 | $719,000 |
$89,000 | $190,000 |
$40,000 | $49,000 |
| VA-guaranteed (Veterans Administration) |
8 | $682,000 |
$85,000 | $139,000 |
$45,000 | $72,000 |
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| Application Approved But Not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
35 | $1,911,000 |
$54,000 | $176,000 |
$38,000 | $79,000 |
| Application Withdrawn By Applicant |
18 | $1,375,000 |
$80,000 | $197,000 |
$43,000 | $143,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
122 | $9,397,000 |
$60,000 | $352,000 |
$73,000 | $223,000 |
| 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 | $422,000 |
$84,000 | $165,000 |
$55,000 | $79,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
13 | $562,000 |
$43,000 | $150,000 |
$34,000 | $60,000 |
| Debt-To-Income Ratio |
14 | $837,000 |
$59,000 | $176,000 |
$37,000 | $71,000 |
| Employment History |
2 | $52,000 |
$26,000 | $47,000 |
$35,000 | $46,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $38,000 |
$38,000 | $38,000 |
$29,000 | $29,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for MILLS COUNTY BANK NA by:
Metropolitan Area And
County
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