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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 OF COMMERCE
Mortgage Loans and Application Details
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| Mortgage Company Name |
NATIONAL BANK OF COMMERCE |
| Address | 1127 TOWER AVENUE
SUPERIOR, WI 54880 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2003 |
| All Data Years | 2003 |
| Total Number of Mortgage Loan Applications Processed | 719 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $69,917,000 |
| Average Mortgage Loan Amount Applied For | $124,666 |
| Highest Mortgage Loan Amount Applied For | $1,240,000 |
| Average Applicant Income | $68,333 |
| Highest Applicant Income | $840,000 |
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| Home Improvement (one-to-four family) |
39 | $2,253,000 |
$62,000 | $143,000 |
$47,000 | $117,000 |
| Home Purchase (one-to-four family) |
148 | $15,744,000 |
$129,000 | $790,000 |
$78,000 | $687,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) |
2 | $1,290,000 |
$645,000 | $1,240,000 |
$0 | $0 |
| Refinancing (home purchase or home improvement, one-to-four family) |
585 | $57,961,000 |
$115,333 | $668,000 |
$68,000 | $840,000 |
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| American Indian or Alaskan Native |
2 | $102,000 |
$51,000 | $70,000 |
$26,500 | $42,000 |
| Asian or Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black |
2 | $95,000 |
$47,500 | $70,000 |
$30,500 | $50,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Information not provided by applicant in mail or telephone application |
80 | $7,508,000 |
$101,333 | $323,000 |
$74,000 | $687,000 |
| Not applicable |
1 | $45,000 |
$45,000 | $45,000 |
$0 | $0 |
| Other |
1 | $64,000 |
$64,000 | $64,000 |
$79,000 | $79,000 |
| White |
688 | $69,434,000 |
$120,333 | $1,240,000 |
$71,666 | $840,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
774 | $77,248,000 |
$118,000 | $1,240,000 |
$70,000 | $840,000 |
| 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 |
23 | $1,821,000 |
$74,666 | $185,000 |
$50,000 | $117,000 |
| Application Denied By Financial Institution |
68 | $5,385,000 |
$90,666 | $170,000 |
$49,333 | $180,000 |
| Application Withdrawn By Applicant |
22 | $2,297,000 |
$104,666 | $323,000 |
$118,333 | $500,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
661 | $67,745,000 |
$123,333 | $1,240,000 |
$73,000 | $840,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Collateral |
1 | $45,000 |
$45,000 | $45,000 |
$48,000 | $48,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
40 | $2,748,000 |
$76,000 | $168,000 |
$49,333 | $100,000 |
| Debt-To-Income Ratio |
22 | $2,223,000 |
$119,666 | $170,000 |
$34,666 | $87,000 |
| 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 |
4 | $239,000 |
$75,500 | $107,000 |
$59,000 | $72,000 |
| Unverifiable Information |
1 | $130,000 |
$130,000 | $130,000 |
$180,000 | $180,000 |
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Mortgage Loan App Totals for NATIONAL BANK OF COMMERCE by:
Metropolitan Area And
County
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