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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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NATIONAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
NATIONAL BANK |
| Address | 903 MAIN STREET
GATESVILLE, TX 76528 |
| 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 | 693 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $73,726,000 |
| Average Mortgage Loan Amount Applied For | $115,888 |
| Highest Mortgage Loan Amount Applied For | $950,000 |
| Average Applicant Income | $86,740 |
| Highest Applicant Income | $457,000 |
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| Home Improvement |
34 | $1,375,000 |
$40,000 | $100,000 |
$73,000 | $457,000 |
| Home Purchase |
597 | $68,577,000 |
$114,000 | $950,000 |
$66,000 | $394,000 |
| Refinancing |
69 | $4,365,000 |
$63,000 | $185,000 |
$70,000 | $215,000 |
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| American Indian or Alaskan Native |
1 | $86,000 |
$86,000 | $86,000 |
$69,000 | $69,000 |
| Asian |
21 | $2,553,000 |
$121,000 | $280,000 |
$79,000 | $457,000 |
| Black or African American |
78 | $10,365,000 |
$132,000 | $357,000 |
$75,000 | $196,000 |
| Hispanic |
118 | $12,449,000 |
$105,000 | $950,000 |
$64,000 | $294,000 |
| Native Hawaiin or Other Pacific Islander |
7 | $759,000 |
$108,000 | $168,000 |
$66,000 | $112,000 |
| Not applicable |
18 | $3,045,000 |
$169,000 | $424,000 |
$0 | $0 |
| Not Provided |
3 | $267,000 |
$89,000 | $122,000 |
$90,000 | $127,000 |
| White |
454 | $44,793,000 |
$98,000 | $490,000 |
$68,000 | $394,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
345 | $32,282,000 |
$93,000 | $950,000 |
$74,000 | $457,000 |
| FHA-insured (Federal Housing Administration) |
70 | $6,842,000 |
$97,000 | $235,000 |
$53,000 | $201,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
1 | $102,000 |
$102,000 | $102,000 |
$161,000 | $161,000 |
| VA-guaranteed (Veterans Administration) |
284 | $35,091,000 |
$123,000 | $357,000 |
$60,000 | $281,000 |
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| Application Approved But Not Accepted |
11 | $1,011,000 |
$91,000 | $191,000 |
$85,000 | $215,000 |
| Application Denied By Financial Institution |
59 | $4,012,000 |
$68,000 | $207,000 |
$55,000 | $161,000 |
| Application Withdrawn By Applicant |
72 | $7,988,000 |
$110,000 | $280,000 |
$69,000 | $192,000 |
| File Closed For Incompleteness |
2 | $313,000 |
$156,000 | $216,000 |
$48,000 | $65,000 |
| Loan Originated |
552 | $60,710,000 |
$109,000 | $950,000 |
$67,000 | $457,000 |
| 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 |
4 | $283,000 |
$70,000 | $100,000 |
$50,000 | $74,000 |
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| Collateral |
3 | $162,000 |
$54,000 | $105,000 |
$91,000 | $161,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
19 | $905,000 |
$47,000 | $150,000 |
$48,000 | $100,000 |
| Debt-To-Income Ratio |
28 | $2,229,000 |
$79,000 | $207,000 |
$53,000 | $125,000 |
| Employment History |
3 | $250,000 |
$83,000 | $115,000 |
$45,000 | $67,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
3 | $192,000 |
$64,000 | $107,000 |
$61,000 | $107,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
6 | $490,000 |
$81,000 | $119,000 |
$63,000 | $108,000 |
| Unverifiable Information |
1 | $67,000 |
$67,000 | $67,000 |
$59,000 | $59,000 |
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Mortgage Loan App Totals for NATIONAL BANK by:
Metropolitan Area And
County
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