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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 CITY BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
NATIONAL CITY BANK |
| Address | 1900 EAST NINTH ST. LOC: 01-3144
CLEVELAND, OH 44114 |
| 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 | 628,613 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $100,664,162,000 |
| Average Mortgage Loan Amount Applied For | $109,955 |
| Highest Mortgage Loan Amount Applied For | $6,000,000 |
| Average Applicant Income | $70,010 |
| Highest Applicant Income | $9,999,000 |
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| Home Improvement |
21,229 | $2,523,124,000 |
$118,000 | $4,000,000 |
$89,000 | $9,999,000 |
| Home Purchase |
360,591 | $55,293,170,000 |
$153,000 | $5,000,000 |
$95,000 | $9,744,000 |
| Refinancing |
246,847 | $42,855,428,000 |
$173,000 | $6,000,000 |
$98,000 | $9,999,000 |
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| American Indian or Alaskan Native |
2,563 | $375,414,000 |
$146,000 | $2,450,000 |
$97,000 | $6,956,000 |
| Asian |
22,522 | $4,974,162,000 |
$220,000 | $2,410,000 |
$137,000 | $3,914,000 |
| Black or African American |
75,840 | $11,377,308,000 |
$150,000 | $3,025,000 |
$79,000 | $9,600,000 |
| Hispanic |
83,411 | $14,529,619,000 |
$174,000 | $2,925,000 |
$96,000 | $5,873,000 |
| Native Hawaiin or Other Pacific Islander |
3,414 | $701,287,000 |
$205,000 | $2,000,000 |
$121,000 | $1,656,000 |
| Not applicable |
6,226 | $1,206,362,000 |
$193,000 | $1,700,000 |
$0 | $181,000 |
| Not Provided |
74,944 | $12,074,536,000 |
$161,000 | $4,000,000 |
$100,000 | $9,999,000 |
| White |
359,747 | $55,433,034,000 |
$154,000 | $6,000,000 |
$98,000 | $9,999,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
601,948 | $96,723,466,000 |
$160,000 | $6,000,000 |
$98,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) |
20,104 | $2,767,301,000 |
$137,000 | $677,000 |
$48,000 | $2,291,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
714 | $75,824,000 |
$106,000 | $394,000 |
$40,000 | $786,000 |
| VA-guaranteed (Veterans Administration) |
5,901 | $1,105,131,000 |
$187,000 | $624,000 |
$57,000 | $888,000 |
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| Application Approved But Not Accepted |
104,584 | $16,694,141,000 |
$159,000 | $5,000,000 |
$102,000 | $9,744,000 |
| Application Denied By Financial Institution |
90,853 | $13,980,093,000 |
$153,000 | $4,300,000 |
$90,000 | $8,640,000 |
| Application Withdrawn By Applicant |
13,495 | $2,562,130,000 |
$189,000 | $3,500,000 |
$105,000 | $9,600,000 |
| File Closed For Incompleteness |
11,082 | $2,383,258,000 |
$215,000 | $3,400,000 |
$119,000 | $4,200,000 |
| Loan Originated |
400,907 | $63,615,098,000 |
$158,000 | $6,000,000 |
$97,000 | $9,999,000 |
| Loan Purchased By The Institution |
6,206 | $1,197,922,000 |
$193,000 | $1,000,000 |
$0 | $181,000 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
1,540 | $239,080,000 |
$155,000 | $4,300,000 |
$56,000 | $360,000 |
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| Collateral |
16,214 | $2,649,435,000 |
$163,000 | $2,500,000 |
$100,000 | $8,640,000 |
| Credit Application Incomplete |
1,552 | $317,780,000 |
$204,000 | $3,000,000 |
$107,000 | $5,520,000 |
| Credit History |
30,894 | $4,312,475,000 |
$139,000 | $3,025,000 |
$79,000 | $6,000,000 |
| Debt-To-Income Ratio |
21,696 | $3,211,565,000 |
$148,000 | $2,700,000 |
$71,000 | $4,059,000 |
| Employment History |
2,024 | $294,923,000 |
$145,000 | $4,000,000 |
$81,000 | $1,410,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
1,092 | $189,553,000 |
$173,000 | $2,000,000 |
$101,000 | $1,828,000 |
| Mortgage Insurance Denied |
12 | $3,319,000 |
$276,000 | $643,000 |
$178,000 | $407,000 |
| Other |
11,166 | $1,700,701,000 |
$152,000 | $4,300,000 |
$119,000 | $2,424,000 |
| Unverifiable Information |
7,743 | $1,539,422,000 |
$198,000 | $4,300,000 |
$119,000 | $2,640,000 |
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Mortgage Loan App Totals for NATIONAL CITY BANK by:
Metropolitan Area And
County
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