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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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WASHINGTON COUNTY BANK N.A.
Mortgage Loans and Application Details
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| Mortgage Company Name |
WASHINGTON COUNTY BANK N.A. |
| Address | 990 HELENA AVE NORTH
OAKDALE, MN 55128 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2005 |
| All Data Years | 2003 2004 2005 |
| Total Number of Mortgage Loan Applications Processed | 99 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $14,833,000 |
| Average Mortgage Loan Amount Applied For | $175,133 |
| Highest Mortgage Loan Amount Applied For | $1,953,000 |
| Average Applicant Income | $44,666 |
| Highest Applicant Income | $238,000 |
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| Home Improvement |
19 | $715,000 |
$37,000 | $102,000 |
$91,000 | $173,000 |
| Home Purchase |
61 | $11,634,000 |
$299,666 | $1,953,000 |
$18,333 | $168,000 |
| Refinancing |
19 | $2,484,000 |
$113,000 | $456,000 |
$67,000 | $238,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
4 | $610,000 |
$152,000 | $456,000 |
$174,000 | $230,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
2 | $32,000 |
$16,000 | $20,000 |
$50,000 | $62,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
54 | $10,573,000 |
$180,500 | $1,953,000 |
$0 | $0 |
| Not Provided |
1 | $1,000,000 |
$1,000,000 | $1,000,000 |
$0 | $0 |
| White |
38 | $2,618,000 |
$53,333 | $413,000 |
$67,666 | $238,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
99 | $14,833,000 |
$262,333 | $1,953,000 |
$38,666 | $238,000 |
| 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 |
1 | $200,000 |
$200,000 | $200,000 |
$135,000 | $135,000 |
| Application Denied By Financial Institution |
4 | $485,000 |
$121,000 | $456,000 |
$94,000 | $230,000 |
| Application Withdrawn By Applicant |
1 | $413,000 |
$413,000 | $413,000 |
$238,000 | $238,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
93 | $13,735,000 |
$261,333 | $1,953,000 |
$34,666 | $173,000 |
| 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 | $456,000 |
$456,000 | $456,000 |
$230,000 | $230,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
1 | $15,000 |
$15,000 | $15,000 |
$65,000 | $65,000 |
| Debt-To-Income Ratio |
1 | $2,000 |
$2,000 | $2,000 |
$46,000 | $46,000 |
| 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 |
1 | $12,000 |
$12,000 | $12,000 |
$38,000 | $38,000 |
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Mortgage Loan App Totals for WASHINGTON COUNTY BANK N.A. by:
Metropolitan Area And
County
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