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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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PIONEER NATIONAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
PIONEER NATIONAL BANK |
| Address | 331 N. CENTRAL AVE.
DULUTH, MN 55807 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 106 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $7,139,000 |
| Average Mortgage Loan Amount Applied For | $93,666 |
| Highest Mortgage Loan Amount Applied For | $315,000 |
| Average Applicant Income | $65,333 |
| Highest Applicant Income | $212,000 |
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| Home Improvement |
32 | $844,000 |
$26,000 | $187,000 |
$51,000 | $104,000 |
| Home Purchase |
18 | $2,060,000 |
$114,000 | $279,000 |
$54,000 | $159,000 |
| Refinancing |
58 | $4,656,000 |
$80,000 | $365,000 |
$71,000 | $212,000 |
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| American Indian or Alaskan Native |
1 | $40,000 |
$40,000 | $40,000 |
$62,000 | $62,000 |
| Asian |
1 | $13,000 |
$13,000 | $13,000 |
$52,000 | $52,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
1 | $87,000 |
$87,000 | $87,000 |
$33,000 | $33,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
10 | $1,989,000 |
$198,000 | $365,000 |
$94,000 | $212,000 |
| Not Provided |
2 | $168,000 |
$84,000 | $108,000 |
$32,000 | $57,000 |
| White |
93 | $5,263,000 |
$56,000 | $279,000 |
$60,000 | $167,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
108 | $7,560,000 |
$70,000 | $365,000 |
$62,000 | $212,000 |
| 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 |
1 | $185,000 |
$185,000 | $185,000 |
$35,000 | $35,000 |
| Application Denied By Financial Institution |
4 | $440,000 |
$110,000 | $208,000 |
$37,000 | $67,000 |
| Application Withdrawn By Applicant |
2 | $200,000 |
$100,000 | $100,000 |
$63,000 | $72,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
101 | $6,735,000 |
$66,000 | $365,000 |
$63,000 | $212,000 |
| 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 |
2 | $172,000 |
$86,000 | $108,000 |
$13,000 | $19,000 |
| Debt-To-Income Ratio |
2 | $268,000 |
$134,000 | $208,000 |
$62,000 | $67,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for PIONEER NATIONAL BANK by:
Metropolitan Area And
County
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