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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 UNIVERSITY NATIONAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
THE UNIVERSITY NATIONAL BANK |
| Address | 1400 KASOLD DRIVE
LAWRENCE, KS 66049 |
| 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 | 242 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $38,112,000 |
| Average Mortgage Loan Amount Applied For | $157,000 |
| Highest Mortgage Loan Amount Applied For | $1,000,000 |
| Average Applicant Income | $87,000 |
| Highest Applicant Income | $539,000 |
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| Home Improvement |
6 | $193,000 |
$32,000 | $110,000 |
$74,000 | $180,000 |
| Home Purchase |
203 | $36,186,000 |
$178,000 | $4,000,000 |
$97,000 | $708,000 |
| Refinancing |
184 | $28,613,000 |
$155,000 | $1,000,000 |
$99,000 | $539,000 |
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| American Indian or Alaskan Native |
1 | $121,000 |
$121,000 | $121,000 |
$76,000 | $76,000 |
| Asian |
9 | $1,981,000 |
$220,000 | $417,000 |
$103,000 | $208,000 |
| Black or African American |
3 | $482,000 |
$160,000 | $465,000 |
$116,000 | $206,000 |
| Hispanic |
6 | $591,000 |
$98,000 | $160,000 |
$52,000 | $84,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
18 | $8,120,000 |
$451,000 | $4,000,000 |
$0 | $0 |
| Not Provided |
22 | $3,419,000 |
$155,000 | $417,000 |
$135,000 | $600,000 |
| White |
334 | $50,278,000 |
$150,000 | $705,000 |
$101,000 | $708,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
393 | $64,992,000 |
$165,000 | $4,000,000 |
$98,000 | $708,000 |
| 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 |
6 | $315,000 |
$52,000 | $145,000 |
$49,000 | $114,000 |
| Application Withdrawn By Applicant |
39 | $5,635,000 |
$144,000 | $417,000 |
$74,000 | $270,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
348 | $59,042,000 |
$169,000 | $4,000,000 |
$101,000 | $708,000 |
| 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 |
1 | $145,000 |
$145,000 | $145,000 |
$55,000 | $55,000 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Employment History |
1 | $83,000 |
$83,000 | $83,000 |
$26,000 | $26,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
4 | $87,000 |
$21,000 | $44,000 |
$53,000 | $114,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for THE UNIVERSITY NATIONAL BANK by:
Metropolitan Area And
County
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