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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 NATIONAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
THE NATIONAL BANK |
| Address | 852 MIDDLE ROAD
BETTENDORF, IA 52722 |
| 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 | 1,186 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $87,611,000 |
| Average Mortgage Loan Amount Applied For | $95,766 |
| Highest Mortgage Loan Amount Applied For | $1,830,000 |
| Average Applicant Income | $91,150 |
| Highest Applicant Income | $3,000,000 |
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| Home Improvement |
339 | $10,448,000 |
$30,000 | $1,830,000 |
$58,000 | $240,000 |
| Home Purchase |
541 | $46,647,000 |
$86,000 | $1,504,000 |
$51,000 | $405,000 |
| Refinancing |
433 | $42,228,000 |
$97,000 | $1,560,000 |
$95,000 | $3,000,000 |
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| American Indian or Alaskan Native |
7 | $440,000 |
$62,000 | $179,000 |
$43,000 | $77,000 |
| Asian |
13 | $1,405,000 |
$108,000 | $216,000 |
$72,000 | $173,000 |
| Black or African American |
31 | $2,987,000 |
$96,000 | $1,560,000 |
$119,000 | $1,447,000 |
| Hispanic |
146 | $9,238,000 |
$63,000 | $974,000 |
$33,000 | $101,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $116,000 |
$116,000 | $116,000 |
$87,000 | $87,000 |
| Not applicable |
35 | $5,872,000 |
$167,000 | $800,000 |
$189,000 | $1,972,000 |
| Not Provided |
18 | $1,860,000 |
$103,000 | $258,000 |
$42,000 | $78,000 |
| White |
1,062 | $77,405,000 |
$72,000 | $1,830,000 |
$67,000 | $3,000,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,311 | $99,160,000 |
$75,000 | $1,830,000 |
$67,000 | $3,000,000 |
| 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) |
2 | $163,000 |
$81,000 | $86,000 |
$44,000 | $47,000 |
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| Application Approved But Not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
246 | $16,119,000 |
$65,000 | $974,000 |
$45,000 | $221,000 |
| Application Withdrawn By Applicant |
158 | $12,484,000 |
$79,000 | $320,000 |
$61,000 | $405,000 |
| File Closed For Incompleteness |
3 | $612,000 |
$204,000 | $400,000 |
$132,000 | $282,000 |
| Loan Originated |
902 | $69,745,000 |
$77,000 | $1,830,000 |
$75,000 | $3,000,000 |
| Loan Purchased By The Institution |
1 | $90,000 |
$90,000 | $90,000 |
$59,000 | $59,000 |
| Preapproval Approved but not Accepted |
2 | $204,000 |
$102,000 | $104,000 |
$20,000 | $40,000 |
| Preapproval Denied by Financial Institution |
1 | $69,000 |
$69,000 | $69,000 |
$0 | $0 |
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| Collateral |
13 | $596,000 |
$45,000 | $230,000 |
$38,000 | $72,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
144 | $7,540,000 |
$52,000 | $256,000 |
$44,000 | $137,000 |
| Debt-To-Income Ratio |
60 | $5,493,000 |
$91,000 | $974,000 |
$38,000 | $91,000 |
| Employment History |
11 | $708,000 |
$64,000 | $149,000 |
$29,000 | $96,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
3 | $232,000 |
$77,000 | $97,000 |
$35,000 | $50,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
14 | $1,561,000 |
$111,000 | $219,000 |
$103,000 | $221,000 |
| Unverifiable Information |
2 | $58,000 |
$29,000 | $57,000 |
$32,000 | $38,000 |
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Mortgage Loan App Totals for THE NATIONAL BANK by:
Metropolitan Area And
County
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