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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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1ST NATIONAL BANK OF SOUTH FLO
Mortgage Loans and Application Details
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| Mortgage Company Name |
1ST NATIONAL BANK OF SOUTH FLO |
| Address | 1550 NORTH KROME AVE
HOMESTEAD, FL 33030-3233 |
| 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 | 37 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $6,658,000 |
| Average Mortgage Loan Amount Applied For | $135,000 |
| Highest Mortgage Loan Amount Applied For | $500,000 |
| Average Applicant Income | $69,666 |
| Highest Applicant Income | $185,000 |
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| Home Improvement |
3 | $9,000 |
$3,000 | $4,000 |
$32,000 | $50,000 |
| Home Purchase |
6 | $1,239,000 |
$206,000 | $335,000 |
$64,000 | $102,000 |
| Refinancing |
29 | $5,560,000 |
$191,000 | $500,000 |
$64,000 | $185,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
7 | $763,000 |
$109,000 | $225,000 |
$42,000 | $80,000 |
| Hispanic |
15 | $2,670,000 |
$178,000 | $335,000 |
$60,000 | $113,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $155,000 |
$155,000 | $155,000 |
$31,000 | $31,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
15 | $3,220,000 |
$214,000 | $500,000 |
$73,000 | $185,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
38 | $6,808,000 |
$179,000 | $500,000 |
$61,000 | $185,000 |
| 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 |
18 | $3,441,000 |
$191,000 | $500,000 |
$64,000 | $123,000 |
| Application Denied By Financial Institution |
9 | $1,178,000 |
$130,000 | $325,000 |
$45,000 | $113,000 |
| Application Withdrawn By Applicant |
2 | $266,000 |
$133,000 | $155,000 |
$31,000 | $32,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
9 | $1,923,000 |
$213,000 | $500,000 |
$79,000 | $185,000 |
| 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 |
2 | $107,000 |
$53,000 | $104,000 |
$81,000 | $113,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
4 | $332,000 |
$83,000 | $174,000 |
$23,000 | $31,000 |
| Debt-To-Income Ratio |
2 | $585,000 |
$292,000 | $325,000 |
$54,000 | $55,000 |
| 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 |
1 | $154,000 |
$154,000 | $154,000 |
$40,000 | $40,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for 1ST NATIONAL BANK OF SOUTH FLO by:
Metropolitan Area And
County
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