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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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ONB BANK AND TRUST COMPANY
Mortgage Loans and Application Details
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| Mortgage Company Name |
ONB BANK AND TRUST COMPANY |
| Address | 8908 S. YALE SUITE 100
TULSA, OK 74137 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2004 |
| All Data Years | 2003 2004 |
| Total Number of Mortgage Loan Applications Processed | 309 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $51,063,000 |
| Average Mortgage Loan Amount Applied For | $134,409 |
| Highest Mortgage Loan Amount Applied For | $3,400,000 |
| Average Applicant Income | $116,954 |
| Highest Applicant Income | $1,852,000 |
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| Home Improvement |
13 | $877,000 |
$67,000 | $225,000 |
$106,000 | $391,000 |
| Home Purchase |
180 | $32,839,000 |
$214,800 | $3,400,000 |
$117,800 | $725,000 |
| Refinancing |
116 | $17,347,000 |
$164,333 | $845,000 |
$174,333 | $1,852,000 |
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| American Indian or Alaskan Native |
4 | $346,000 |
$86,000 | $112,000 |
$43,000 | $91,000 |
| Asian |
1 | $26,000 |
$26,000 | $26,000 |
$48,000 | $48,000 |
| Black or African American |
5 | $607,000 |
$121,000 | $371,000 |
$120,000 | $240,000 |
| Hispanic |
2 | $74,000 |
$37,000 | $41,000 |
$93,000 | $104,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
65 | $16,566,000 |
$254,000 | $3,400,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
232 | $33,444,000 |
$197,142 | $845,000 |
$146,857 | $1,852,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
303 | $50,297,000 |
$200,428 | $3,400,000 |
$144,000 | $1,852,000 |
| FHA-insured (Federal Housing Administration) |
5 | $602,000 |
$120,000 | $147,000 |
$42,000 | $52,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
1 | $164,000 |
$164,000 | $164,000 |
$73,000 | $73,000 |
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| Application Approved But Not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
7 | $902,000 |
$200,000 | $300,000 |
$71,000 | $101,000 |
| Application Withdrawn By Applicant |
14 | $2,748,000 |
$196,000 | $630,000 |
$87,000 | $322,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
288 | $47,413,000 |
$200,285 | $3,400,000 |
$144,714 | $1,852,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
3 | $273,000 |
$91,000 | $99,000 |
$39,000 | $61,000 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 |
4 | $629,000 |
$204,500 | $300,000 |
$72,000 | $101,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for ONB BANK AND TRUST COMPANY by:
Metropolitan Area And
County
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