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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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PACIFIC NATIONAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
PACIFIC NATIONAL BANK |
| Address | 345 CALIFORNIA STREET, 7TH FLOOR
SAN FRANCISCO, CA 94104 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2006 |
| Total Number of Mortgage Loan Applications Processed | 49 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $62,272,000 |
| Average Mortgage Loan Amount Applied For | $1,338,300 |
| Highest Mortgage Loan Amount Applied For | $4,700,000 |
| Average Applicant Income | $800 |
| Highest Applicant Income | $96,000 |
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| Home Improvement |
5 | $6,870,000 |
$1,374,000 | $3,300,000 |
$19,000 | $96,000 |
| Home Purchase |
18 | $26,057,000 |
$1,447,000 | $4,700,000 |
$0 | $0 |
| Refinancing |
26 | $29,345,000 |
$1,128,000 | $3,500,000 |
$0 | $0 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
4 | $5,240,000 |
$1,310,000 | $3,500,000 |
$0 | $0 |
| Black or African American |
1 | $445,000 |
$445,000 | $445,000 |
$0 | $0 |
| Hispanic |
2 | $1,300,000 |
$650,000 | $700,000 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
20 | $34,947,000 |
$1,747,000 | $4,700,000 |
$0 | $0 |
| Not Provided |
6 | $6,715,000 |
$1,119,000 | $2,450,000 |
$0 | $0 |
| White |
16 | $13,625,000 |
$851,000 | $2,430,000 |
$6,000 | $96,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
49 | $62,272,000 |
$1,270,000 | $4,700,000 |
$1,000 | $96,000 |
| 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 |
3 | $4,102,000 |
$1,367,000 | $2,752,000 |
$0 | $0 |
| Application Denied By Financial Institution |
13 | $9,845,000 |
$757,000 | $1,450,000 |
$7,000 | $96,000 |
| Application Withdrawn By Applicant |
3 | $6,500,000 |
$2,166,000 | $3,500,000 |
$0 | $0 |
| File Closed For Incompleteness |
2 | $1,115,000 |
$557,000 | $615,000 |
$0 | $0 |
| Loan Originated |
28 | $40,710,000 |
$1,453,000 | $4,700,000 |
$0 | $0 |
| 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 |
4 | $1,935,000 |
$483,000 | $625,000 |
$24,000 | $96,000 |
| Credit Application Incomplete |
2 | $1,455,000 |
$727,000 | $855,000 |
$0 | $0 |
| Credit History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Debt-To-Income Ratio |
2 | $1,750,000 |
$875,000 | $1,250,000 |
$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 |
5 | $4,705,000 |
$941,000 | $1,450,000 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for PACIFIC NATIONAL BANK by:
Metropolitan Area And
County
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