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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 EXCHANGE BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
NATIONAL EXCHANGE BANK |
| Address | 130 SOUTH MAIN STREET
FOND DU LAC, WI 54935 |
| 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 | 845 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $79,516,000 |
| Average Mortgage Loan Amount Applied For | $103,826 |
| Highest Mortgage Loan Amount Applied For | $1,165,000 |
| Average Applicant Income | $67,413 |
| Highest Applicant Income | $642,000 |
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| Home Improvement |
99 | $6,332,000 |
$63,000 | $372,000 |
$66,000 | $430,000 |
| Home Purchase |
435 | $41,680,000 |
$95,000 | $1,165,000 |
$54,000 | $642,000 |
| Refinancing |
369 | $37,079,000 |
$100,000 | $864,000 |
$61,000 | $600,000 |
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| American Indian or Alaskan Native |
3 | $109,000 |
$36,000 | $66,000 |
$54,000 | $73,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
2 | $39,000 |
$19,000 | $23,000 |
$23,000 | $29,000 |
| Hispanic |
18 | $1,196,000 |
$66,000 | $222,000 |
$45,000 | $96,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
41 | $6,960,000 |
$169,000 | $799,000 |
$0 | $0 |
| Not Provided |
15 | $1,490,000 |
$99,000 | $336,000 |
$76,000 | $174,000 |
| White |
824 | $75,297,000 |
$91,000 | $1,165,000 |
$61,000 | $642,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
903 | $85,091,000 |
$94,000 | $1,165,000 |
$58,000 | $642,000 |
| 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 |
49 | $4,051,000 |
$82,000 | $462,000 |
$58,000 | $249,000 |
| Application Denied By Financial Institution |
121 | $8,571,000 |
$70,000 | $336,000 |
$44,000 | $144,000 |
| Application Withdrawn By Applicant |
27 | $3,456,000 |
$128,000 | $375,000 |
$73,000 | $642,000 |
| File Closed For Incompleteness |
2 | $424,000 |
$212,000 | $304,000 |
$103,000 | $162,000 |
| Loan Originated |
647 | $63,028,000 |
$97,000 | $1,165,000 |
$61,000 | $606,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
25 | $2,818,000 |
$112,000 | $417,000 |
$54,000 | $97,000 |
| Preapproval Denied by Financial Institution |
32 | $2,743,000 |
$85,000 | $212,000 |
$49,000 | $109,000 |
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| Collateral |
15 | $1,327,000 |
$88,000 | $180,000 |
$50,000 | $96,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
75 | $4,445,000 |
$59,000 | $263,000 |
$47,000 | $100,000 |
| Debt-To-Income Ratio |
53 | $4,595,000 |
$86,000 | $336,000 |
$41,000 | $144,000 |
| Employment History |
5 | $567,000 |
$113,000 | $212,000 |
$40,000 | $65,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $92,000 |
$92,000 | $92,000 |
$48,000 | $48,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
3 | $258,000 |
$86,000 | $100,000 |
$70,000 | $87,000 |
| Unverifiable Information |
1 | $30,000 |
$30,000 | $30,000 |
$76,000 | $76,000 |
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Mortgage Loan App Totals for NATIONAL EXCHANGE BANK by:
Metropolitan Area And
County
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