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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 & TRUST COMPANY
Mortgage Loans and Application Details
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| Mortgage Company Name |
NATIONAL BANK & TRUST COMPANY |
| Address | P.O. BOX 711
WILMINGTON, OH 45177-0711 |
| 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 | 172 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $23,774,000 |
| Average Mortgage Loan Amount Applied For | $124,130 |
| Highest Mortgage Loan Amount Applied For | $686,000 |
| Average Applicant Income | $222,695 |
| Highest Applicant Income | $3,042,000 |
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| Home Improvement |
14 | $183,000 |
$13,000 | $35,000 |
$59,000 | $125,000 |
| Home Purchase |
56 | $6,374,000 |
$113,000 | $561,000 |
$127,000 | $3,042,000 |
| Refinancing |
102 | $17,217,000 |
$168,000 | $686,000 |
$82,000 | $504,000 |
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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 |
2 | $235,000 |
$117,000 | $127,000 |
$54,000 | $59,000 |
| Hispanic |
3 | $713,000 |
$237,000 | $482,000 |
$108,000 | $126,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
167 | $22,826,000 |
$136,000 | $686,000 |
$95,000 | $3,042,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
172 | $23,774,000 |
$138,000 | $686,000 |
$95,000 | $3,042,000 |
| 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 | $93,000 |
$93,000 | $93,000 |
$35,000 | $35,000 |
| Application Denied By Financial Institution |
10 | $1,351,000 |
$135,000 | $336,000 |
$64,000 | $141,000 |
| Application Withdrawn By Applicant |
15 | $2,140,000 |
$142,000 | $580,000 |
$57,000 | $106,000 |
| File Closed For Incompleteness |
2 | $415,000 |
$207,000 | $325,000 |
$52,000 | $70,000 |
| Loan Originated |
144 | $19,775,000 |
$137,000 | $686,000 |
$102,000 | $3,042,000 |
| 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 |
3 | $400,000 |
$133,000 | $158,000 |
$63,000 | $90,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
5 | $495,000 |
$99,000 | $268,000 |
$51,000 | $131,000 |
| Debt-To-Income Ratio |
1 | $336,000 |
$336,000 | $336,000 |
$141,000 | $141,000 |
| 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 |
1 | $120,000 |
$120,000 | $120,000 |
$59,000 | $59,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for NATIONAL BANK & TRUST COMPANY by:
Metropolitan Area And
County
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