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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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PEOPLES NATIONAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
PEOPLES NATIONAL BANK |
| Address | P.O. BOX 557
COUNCIL BLUFFS, IA 51502 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2004 |
| All Data Years | 2003 2004 |
| Total Number of Mortgage Loan Applications Processed | 591 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $46,322,000 |
| Average Mortgage Loan Amount Applied For | $105,400 |
| Highest Mortgage Loan Amount Applied For | $800,000 |
| Average Applicant Income | $55,650 |
| Highest Applicant Income | $1,114,000 |
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| Home Improvement |
140 | $3,386,000 |
$14,000 | $175,000 |
$43,500 | $590,000 |
| Home Purchase |
206 | $19,949,000 |
$98,600 | $475,000 |
$56,800 | $1,114,000 |
| Refinancing |
247 | $23,104,000 |
$123,000 | $800,000 |
$83,500 | $311,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
4 | $125,000 |
$22,000 | $50,000 |
$31,000 | $39,000 |
| Hispanic |
11 | $524,000 |
$63,500 | $98,000 |
$34,000 | $80,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
8 | $1,227,000 |
$430,500 | $800,000 |
$163,500 | $311,000 |
| Not Provided |
31 | $1,784,000 |
$84,000 | $349,000 |
$41,500 | $89,000 |
| White |
539 | $42,779,000 |
$90,600 | $475,000 |
$61,800 | $1,114,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
586 | $45,520,000 |
$93,800 | $800,000 |
$60,800 | $1,114,000 |
| FHA-insured (Federal Housing Administration) |
1 | $120,000 |
$120,000 | $120,000 |
$34,000 | $34,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
6 | $799,000 |
$106,500 | $217,000 |
$35,500 | $81,000 |
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| Application Approved But Not Accepted |
10 | $508,000 |
$72,500 | $165,000 |
$47,500 | $144,000 |
| Application Denied By Financial Institution |
74 | $3,455,000 |
$48,666 | $150,000 |
$36,000 | $86,000 |
| Application Withdrawn By Applicant |
15 | $1,896,000 |
$131,000 | $300,000 |
$80,000 | $204,000 |
| File Closed For Incompleteness |
1 | $334,000 |
$334,000 | $334,000 |
$225,000 | $225,000 |
| Loan Originated |
492 | $40,179,000 |
$112,000 | $800,000 |
$72,250 | $1,114,000 |
| 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 |
1 | $67,000 |
$67,000 | $67,000 |
$20,000 | $20,000 |
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| Collateral |
1 | $55,000 |
$55,000 | $55,000 |
$36,000 | $36,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
57 | $2,569,000 |
$48,333 | $150,000 |
$39,333 | $86,000 |
| Debt-To-Income Ratio |
16 | $818,000 |
$53,000 | $106,000 |
$29,000 | $70,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $80,000 |
$80,000 | $80,000 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for PEOPLES NATIONAL BANK by:
Metropolitan Area And
County
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