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| $5,279,183,286,000 in Mortgage Loans Applied for in 2007 from 26,605,695 Applications |
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VISION BANK NA
Mortgage Loans and Application Details
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| Mortgage Company Name |
VISION BANK NA |
| Address | PO BOX 669
ADA, OK 74821 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2007 |
| Data Years (click a year for detail) | 2004 2005 2006 2007 |
| Total Number of Mortgage Loan Applications Processed | 656 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $43,009,000 |
| Average Mortgage Loan Amount Applied For | $84,192 |
| Highest Mortgage Loan Amount Applied For | $981,000 |
| Average Applicant Income | $73,692 |
| Highest Applicant Income | $1,459,000 |
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| Home Improvement |
214 | $5,029,000 |
$23,000 | $161,000 |
$57,000 | $913,000 |
| Home Purchase |
288 | $26,957,000 |
$93,000 | $981,000 |
$76,000 | $1,459,000 |
| Refinancing |
154 | $11,023,000 |
$71,000 | $271,000 |
$75,000 | $704,000 |
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| American Indian or Alaskan Native |
49 | $3,534,000 |
$72,000 | $260,000 |
$60,000 | $213,000 |
| Asian |
3 | $397,000 |
$132,000 | $199,000 |
$58,000 | $103,000 |
| Black or African American |
9 | $193,000 |
$21,000 | $97,000 |
$161,000 | $913,000 |
| Hispanic |
9 | $494,000 |
$54,000 | $80,000 |
$45,000 | $79,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $70,000 |
$70,000 | $70,000 |
$106,000 | $106,000 |
| Not applicable |
32 | $2,572,000 |
$80,000 | $300,000 |
$0 | $24,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
553 | $35,749,000 |
$64,000 | $981,000 |
$73,000 | $1,459,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
656 | $43,009,000 |
$65,000 | $981,000 |
$69,000 | $1,459,000 |
| 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 |
32 | $2,496,000 |
$78,000 | $300,000 |
$50,000 | $138,000 |
| Application Denied By Financial Institution |
58 | $3,066,000 |
$52,000 | $155,000 |
$46,000 | $212,000 |
| Application Withdrawn By Applicant |
1 | $30,000 |
$30,000 | $30,000 |
$30,000 | $30,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
565 | $37,417,000 |
$66,000 | $981,000 |
$73,000 | $1,459,000 |
| 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 |
4 | $394,000 |
$98,000 | $135,000 |
$59,000 | $100,000 |
| Credit Application Incomplete |
2 | $195,000 |
$97,000 | $135,000 |
$0 | $0 |
| Credit History |
41 | $1,623,000 |
$39,000 | $130,000 |
$42,000 | $158,000 |
| Debt-To-Income Ratio |
6 | $533,000 |
$88,000 | $155,000 |
$93,000 | $212,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
2 | $110,000 |
$55,000 | $70,000 |
$25,000 | $26,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $77,000 |
$77,000 | $77,000 |
$28,000 | $28,000 |
| Unverifiable Information |
2 | $134,000 |
$67,000 | $122,000 |
$29,000 | $47,000 |
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Mortgage Loan App Totals for VISION BANK NA by:
Metropolitan Area And
County
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