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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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NORTHSTAR BANK, N.A.
Mortgage Loans and Application Details
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| Mortgage Company Name |
NORTHSTAR BANK, N.A. |
| Address | 2005 N BURLINGTON
NORTH KANSAS CITY, MO 64116 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2005 |
| All Data Years | 2003 2004 2005 |
| Total Number of Mortgage Loan Applications Processed | 210 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $46,383,000 |
| Average Mortgage Loan Amount Applied For | $201,305 |
| Highest Mortgage Loan Amount Applied For | $1,138,000 |
| Average Applicant Income | $96,685 |
| Highest Applicant Income | $740,000 |
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| Home Improvement |
11 | $2,294,000 |
$200,166 | $505,000 |
$105,500 | $387,000 |
| Home Purchase |
40 | $4,976,000 |
$118,375 | $710,000 |
$100,250 | $288,000 |
| Refinancing |
159 | $39,113,000 |
$241,400 | $1,138,000 |
$112,200 | $740,000 |
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| American Indian or Alaskan Native |
3 | $493,000 |
$210,500 | $350,000 |
$97,500 | $156,000 |
| Asian |
7 | $1,413,000 |
$218,333 | $344,000 |
$57,500 | $126,000 |
| Black or African American |
3 | $139,000 |
$46,000 | $68,000 |
$42,000 | $54,000 |
| Hispanic |
3 | $304,000 |
$101,333 | $124,000 |
$85,666 | $110,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $228,000 |
$228,000 | $228,000 |
$43,000 | $43,000 |
| Not applicable |
4 | $1,304,000 |
$330,500 | $710,000 |
$48,000 | $170,000 |
| Not Provided |
112 | $24,588,000 |
$188,466 | $840,000 |
$97,266 | $336,000 |
| White |
77 | $17,914,000 |
$308,333 | $1,138,000 |
$164,916 | $740,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
210 | $46,383,000 |
$213,312 | $1,138,000 |
$119,875 | $740,000 |
| 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 |
104 | $24,812,000 |
$241,923 | $1,098,000 |
$94,846 | $394,000 |
| Application Denied By Financial Institution |
39 | $6,990,000 |
$179,545 | $710,000 |
$63,545 | $207,000 |
| Application Withdrawn By Applicant |
29 | $6,539,000 |
$194,555 | $840,000 |
$108,000 | $387,000 |
| File Closed For Incompleteness |
1 | $272,000 |
$272,000 | $272,000 |
$0 | $0 |
| Loan Originated |
37 | $7,770,000 |
$275,000 | $1,138,000 |
$198,272 | $740,000 |
| 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 |
19 | $2,638,000 |
$138,200 | $355,000 |
$66,900 | $207,000 |
| Credit Application Incomplete |
1 | $64,000 |
$64,000 | $64,000 |
$46,000 | $46,000 |
| Credit History |
6 | $998,000 |
$178,600 | $508,000 |
$81,600 | $195,000 |
| Debt-To-Income Ratio |
5 | $1,421,000 |
$263,000 | $638,000 |
$48,000 | $115,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
5 | $1,000,000 |
$200,000 | $710,000 |
$57,000 | $108,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
3 | $869,000 |
$289,666 | $409,000 |
$67,000 | $175,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for NORTHSTAR BANK, N.A. by:
Metropolitan Area And
County
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