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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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NORTH AMERICAN SAVINGS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
NORTH AMERICAN SAVINGS BANK |
| Address | 12498 S 71 HIGHWAY
GRANDVIEW, MO 64030 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 6,739 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $1,172,567,000 |
| Average Mortgage Loan Amount Applied For | $171,533 |
| Highest Mortgage Loan Amount Applied For | $4,990,000 |
| Average Applicant Income | $84,323 |
| Highest Applicant Income | $2,313,000 |
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| Home Improvement |
31 | $4,041,000 |
$130,000 | $1,500,000 |
$103,000 | $210,000 |
| Home Purchase |
4,229 | $723,098,000 |
$170,000 | $3,136,000 |
$87,000 | $2,313,000 |
| Refinancing |
2,683 | $474,992,000 |
$177,000 | $4,990,000 |
$91,000 | $1,150,000 |
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| American Indian or Alaskan Native |
21 | $2,892,000 |
$137,000 | $347,000 |
$77,000 | $156,000 |
| Asian |
141 | $28,949,000 |
$205,000 | $875,000 |
$110,000 | $300,000 |
| Black or African American |
322 | $49,544,000 |
$153,000 | $880,000 |
$74,000 | $420,000 |
| Hispanic |
176 | $33,567,000 |
$190,000 | $2,900,000 |
$80,000 | $318,000 |
| Native Hawaiin or Other Pacific Islander |
21 | $4,859,000 |
$231,000 | $692,000 |
$113,000 | $225,000 |
| Not applicable |
17 | $17,760,000 |
$1,044,000 | $4,990,000 |
$0 | $0 |
| Not Provided |
1,713 | $328,635,000 |
$191,000 | $2,063,000 |
$91,000 | $1,272,000 |
| White |
4,532 | $735,925,000 |
$162,000 | $1,700,000 |
$88,000 | $2,313,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
6,459 | $1,145,293,000 |
$177,000 | $4,990,000 |
$91,000 | $2,313,000 |
| FHA-insured (Federal Housing Administration) |
426 | $46,762,000 |
$109,000 | $217,000 |
$50,000 | $219,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
6 | $609,000 |
$101,000 | $142,000 |
$47,000 | $71,000 |
| VA-guaranteed (Veterans Administration) |
52 | $9,467,000 |
$182,000 | $405,000 |
$63,000 | $143,000 |
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| Application Approved But Not Accepted |
118 | $23,980,000 |
$203,000 | $1,163,000 |
$126,000 | $696,000 |
| Application Denied By Financial Institution |
716 | $120,253,000 |
$167,000 | $1,500,000 |
$80,000 | $660,000 |
| Application Withdrawn By Applicant |
352 | $59,011,000 |
$167,000 | $1,219,000 |
$84,000 | $317,000 |
| File Closed For Incompleteness |
8 | $2,924,000 |
$365,000 | $1,000,000 |
$142,000 | $291,000 |
| Loan Originated |
5,545 | $966,399,000 |
$174,000 | $4,990,000 |
$90,000 | $2,313,000 |
| 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 |
204 | $29,564,000 |
$144,000 | $632,000 |
$64,000 | $400,000 |
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| Collateral |
117 | $20,013,000 |
$171,000 | $1,330,000 |
$74,000 | $508,000 |
| Credit Application Incomplete |
178 | $25,212,000 |
$141,000 | $422,000 |
$61,000 | $235,000 |
| Credit History |
130 | $17,901,000 |
$137,000 | $1,000,000 |
$61,000 | $360,000 |
| Debt-To-Income Ratio |
53 | $6,456,000 |
$121,000 | $320,000 |
$48,000 | $170,000 |
| Employment History |
10 | $1,605,000 |
$160,000 | $345,000 |
$59,000 | $130,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
10 | $1,765,000 |
$176,000 | $310,000 |
$23,000 | $85,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
421 | $76,814,000 |
$182,000 | $1,500,000 |
$94,000 | $660,000 |
| Unverifiable Information |
1 | $51,000 |
$51,000 | $51,000 |
$46,000 | $46,000 |
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Mortgage Loan App Totals for NORTH AMERICAN SAVINGS BANK by:
Metropolitan Area And
County
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