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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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THE BARABOO NATIONAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
THE BARABOO NATIONAL BANK |
| Address | PO BOX 50
BARABOO, WI 53913 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 922 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $78,692,000 |
| Average Mortgage Loan Amount Applied For | $111,219 |
| Highest Mortgage Loan Amount Applied For | $800,000 |
| Average Applicant Income | $71,097 |
| Highest Applicant Income | $700,000 |
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| Home Improvement |
197 | $9,687,000 |
$49,000 | $449,000 |
$63,000 | $700,000 |
| Home Purchase |
386 | $38,114,000 |
$98,000 | $800,000 |
$60,000 | $657,000 |
| Refinancing |
368 | $32,958,000 |
$89,000 | $706,000 |
$62,000 | $415,000 |
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| American Indian or Alaskan Native |
3 | $64,000 |
$21,000 | $22,000 |
$44,000 | $63,000 |
| Asian |
1 | $227,000 |
$227,000 | $227,000 |
$50,000 | $50,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
13 | $560,000 |
$43,000 | $129,000 |
$42,000 | $115,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
20 | $2,596,000 |
$129,000 | $505,000 |
$2,000 | $42,000 |
| Not Provided |
39 | $3,578,000 |
$91,000 | $290,000 |
$60,000 | $197,000 |
| White |
875 | $73,734,000 |
$84,000 | $800,000 |
$63,000 | $700,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
951 | $80,759,000 |
$84,000 | $800,000 |
$61,000 | $700,000 |
| 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 |
55 | $6,650,000 |
$120,000 | $300,000 |
$65,000 | $215,000 |
| Application Denied By Financial Institution |
140 | $11,120,000 |
$79,000 | $800,000 |
$44,000 | $657,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
1 | $65,000 |
$65,000 | $65,000 |
$36,000 | $36,000 |
| Loan Originated |
755 | $62,924,000 |
$83,000 | $706,000 |
$64,000 | $700,000 |
| 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 |
1 | $45,000 |
$45,000 | $45,000 |
$46,000 | $46,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
83 | $5,236,000 |
$63,000 | $230,000 |
$37,000 | $114,000 |
| Debt-To-Income Ratio |
42 | $3,414,000 |
$81,000 | $336,000 |
$42,000 | $194,000 |
| Employment History |
3 | $214,000 |
$71,000 | $110,000 |
$44,000 | $69,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
4 | $500,000 |
$125,000 | $170,000 |
$60,000 | $83,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
6 | $1,555,000 |
$259,000 | $800,000 |
$141,000 | $657,000 |
| Unverifiable Information |
1 | $156,000 |
$156,000 | $156,000 |
$69,000 | $69,000 |
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Mortgage Loan App Totals for THE BARABOO NATIONAL BANK by:
Metropolitan Area And
County
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