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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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AMERICAN NATIONAL BANK OF TX
Mortgage Loans and Application Details
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| Mortgage Company Name |
AMERICAN NATIONAL BANK OF TX |
| Address | 102 W. MOORE AVENUE
TERRELL, TX 75160 |
| 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 | 1,072 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $145,474,000 |
| Average Mortgage Loan Amount Applied For | $160,447 |
| Highest Mortgage Loan Amount Applied For | $3,000,000 |
| Average Applicant Income | $152,842 |
| Highest Applicant Income | $2,666,000 |
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| Home Improvement |
87 | $3,455,000 |
$39,000 | $212,000 |
$89,000 | $365,000 |
| Home Purchase |
647 | $97,321,000 |
$150,000 | $3,000,000 |
$107,000 | $2,130,000 |
| Refinancing |
338 | $44,698,000 |
$132,000 | $2,000,000 |
$86,000 | $2,666,000 |
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| American Indian or Alaskan Native |
6 | $882,000 |
$147,000 | $417,000 |
$113,000 | $177,000 |
| Asian |
12 | $2,409,000 |
$200,000 | $650,000 |
$110,000 | $200,000 |
| Black or African American |
28 | $2,838,000 |
$101,000 | $350,000 |
$79,000 | $169,000 |
| Hispanic |
84 | $7,595,000 |
$90,000 | $797,000 |
$56,000 | $294,000 |
| Native Hawaiin or Other Pacific Islander |
2 | $1,519,000 |
$759,000 | $1,500,000 |
$348,000 | $659,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
18 | $4,503,000 |
$250,000 | $1,020,000 |
$163,000 | $526,000 |
| White |
922 | $125,728,000 |
$136,000 | $3,000,000 |
$102,000 | $2,666,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,052 | $143,781,000 |
$136,000 | $3,000,000 |
$100,000 | $2,666,000 |
| FHA-insured (Federal Housing Administration) |
18 | $1,536,000 |
$85,000 | $154,000 |
$54,000 | $98,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
2 | $157,000 |
$78,000 | $81,000 |
$36,000 | $48,000 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
13 | $867,000 |
$66,000 | $176,000 |
$80,000 | $177,000 |
| Application Denied By Financial Institution |
158 | $13,194,000 |
$83,000 | $406,000 |
$63,000 | $300,000 |
| Application Withdrawn By Applicant |
145 | $22,338,000 |
$154,000 | $1,125,000 |
$96,000 | $474,000 |
| File Closed For Incompleteness |
143 | $23,531,000 |
$164,000 | $2,000,000 |
$101,000 | $1,600,000 |
| Loan Originated |
613 | $85,544,000 |
$139,000 | $3,000,000 |
$109,000 | $2,666,000 |
| 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 |
32 | $2,697,000 |
$84,000 | $406,000 |
$73,000 | $260,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
86 | $7,860,000 |
$91,000 | $335,000 |
$64,000 | $300,000 |
| Debt-To-Income Ratio |
29 | $1,718,000 |
$59,000 | $158,000 |
$37,000 | $98,000 |
| Employment History |
1 | $137,000 |
$137,000 | $137,000 |
$66,000 | $66,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
5 | $491,000 |
$98,000 | $198,000 |
$84,000 | $186,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $64,000 |
$64,000 | $64,000 |
$121,000 | $121,000 |
| Unverifiable Information |
4 | $227,000 |
$56,000 | $110,000 |
$114,000 | $227,000 |
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Mortgage Loan App Totals for AMERICAN NATIONAL BANK OF TX by:
Metropolitan Area And
County
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