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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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RAMSEY NATIONAL BANK & TRUST C
Mortgage Loans and Application Details
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| Mortgage Company Name |
RAMSEY NATIONAL BANK & TRUST C |
| Address | P.O. BOX 160
DEVILS LAKE, ND 58301-0160 |
| 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 | 104 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $6,073,000 |
| Average Mortgage Loan Amount Applied For | $88,428 |
| Highest Mortgage Loan Amount Applied For | $613,000 |
| Average Applicant Income | $68,928 |
| Highest Applicant Income | $2,200,000 |
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| Home Improvement |
23 | $722,000 |
$31,000 | $142,000 |
$66,000 | $298,000 |
| Home Purchase |
34 | $2,681,000 |
$78,000 | $320,000 |
$118,000 | $2,200,000 |
| Refinancing |
48 | $2,980,000 |
$62,000 | $613,000 |
$63,000 | $314,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $6,000 |
$6,000 | $6,000 |
$52,000 | $52,000 |
| Black or African American |
1 | $21,000 |
$21,000 | $21,000 |
$49,000 | $49,000 |
| Hispanic |
1 | $76,000 |
$76,000 | $76,000 |
$78,000 | $78,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
7 | $822,000 |
$117,000 | $320,000 |
$5,000 | $41,000 |
| Not Provided |
3 | $204,000 |
$68,000 | $120,000 |
$26,000 | $46,000 |
| White |
92 | $5,254,000 |
$57,000 | $613,000 |
$90,000 | $2,200,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
105 | $6,383,000 |
$60,000 | $613,000 |
$81,000 | $2,200,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
8 | $275,000 |
$34,000 | $75,000 |
$34,000 | $58,000 |
| Application Withdrawn By Applicant |
5 | $495,000 |
$99,000 | $148,000 |
$58,000 | $78,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
92 | $5,613,000 |
$61,000 | $613,000 |
$87,000 | $2,200,000 |
| 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 |
5 | $148,000 |
$29,000 | $75,000 |
$35,000 | $52,000 |
| Debt-To-Income Ratio |
3 | $127,000 |
$42,000 | $70,000 |
$33,000 | $58,000 |
| 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 RAMSEY NATIONAL BANK & TRUST C by:
Metropolitan Area And
County
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