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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 OAK HARBOR
Mortgage Loans and Application Details
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| Mortgage Company Name |
NATIONAL BANK OF OAK HARBOR |
| Address | 147 W. WATER STREET
OAK HARBOR, OH 43449-1333 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 217 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $23,088,000 |
| Average Mortgage Loan Amount Applied For | $157,583 |
| Highest Mortgage Loan Amount Applied For | $640,000 |
| Average Applicant Income | $58,166 |
| Highest Applicant Income | $180,000 |
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| Home Improvement |
4 | $794,000 |
$198,000 | $640,000 |
$88,000 | $180,000 |
| Home Purchase |
262 | $27,223,000 |
$103,000 | $794,000 |
$48,000 | $180,000 |
| Refinancing |
80 | $8,877,000 |
$110,000 | $561,000 |
$49,000 | $147,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $170,000 |
$170,000 | $170,000 |
$76,000 | $76,000 |
| Black or African American |
6 | $458,000 |
$76,000 | $191,000 |
$46,000 | $80,000 |
| Hispanic |
17 | $1,572,000 |
$92,000 | $200,000 |
$38,000 | $79,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
3 | $452,000 |
$150,000 | $255,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
319 | $34,242,000 |
$107,000 | $794,000 |
$49,000 | $180,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
308 | $32,912,000 |
$106,000 | $794,000 |
$49,000 | $180,000 |
| FHA-insured (Federal Housing Administration) |
24 | $2,096,000 |
$87,000 | $136,000 |
$38,000 | $61,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
14 | $1,886,000 |
$134,000 | $230,000 |
$56,000 | $90,000 |
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| Application Approved But Not Accepted |
48 | $5,334,000 |
$111,000 | $283,000 |
$60,000 | $171,000 |
| Application Denied By Financial Institution |
76 | $8,431,000 |
$110,000 | $640,000 |
$47,000 | $180,000 |
| Application Withdrawn By Applicant |
4 | $245,000 |
$61,000 | $82,000 |
$52,000 | $101,000 |
| File Closed For Incompleteness |
8 | $1,599,000 |
$199,000 | $561,000 |
$61,000 | $147,000 |
| Loan Originated |
85 | $8,184,000 |
$96,000 | $440,000 |
$53,000 | $180,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
72 | $7,731,000 |
$107,000 | $206,000 |
$46,000 | $130,000 |
| Preapproval Denied by Financial Institution |
53 | $5,370,000 |
$101,000 | $794,000 |
$34,000 | $87,000 |
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| Collateral |
3 | $764,000 |
$254,000 | $640,000 |
$77,000 | $180,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
88 | $8,309,000 |
$94,000 | $230,000 |
$41,000 | $110,000 |
| Debt-To-Income Ratio |
33 | $3,473,000 |
$105,000 | $200,000 |
$40,000 | $72,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
2 | $169,000 |
$84,000 | $106,000 |
$47,000 | $70,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
3 | $1,086,000 |
$362,000 | $794,000 |
$33,000 | $61,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for NATIONAL BANK OF OAK HARBOR by:
Metropolitan Area And
County
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