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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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BANCO BILBAO VIZCAYA ARGENTARI
Mortgage Loans and Application Details
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| Mortgage Company Name |
BANCO BILBAO VIZCAYA ARGENTARI |
| Address | P.O.BOX 364745
SAN JUAN, PR 00936-4745 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 3,201 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $613,008,000 |
| Average Mortgage Loan Amount Applied For | $152,921 |
| Highest Mortgage Loan Amount Applied For | $2,250,000 |
| Average Applicant Income | $69,828 |
| Highest Applicant Income | $2,567,000 |
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| Home Improvement |
151 | $23,185,000 |
$153,000 | $774,000 |
$72,000 | $550,000 |
| Home Purchase |
2,525 | $492,697,000 |
$195,000 | $1,545,000 |
$85,000 | $2,567,000 |
| Refinancing |
525 | $97,126,000 |
$185,000 | $2,250,000 |
$75,000 | $631,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
4 | $983,000 |
$245,000 | $312,000 |
$63,000 | $75,000 |
| Black or African American |
2 | $428,000 |
$214,000 | $240,000 |
$124,000 | $150,000 |
| Hispanic |
2,835 | $564,097,000 |
$198,000 | $2,250,000 |
$84,000 | $1,472,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
338 | $40,584,000 |
$120,000 | $1,545,000 |
$57,000 | $2,169,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
22 | $6,916,000 |
$314,000 | $1,100,000 |
$253,000 | $2,567,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
3,113 | $600,448,000 |
$192,000 | $2,250,000 |
$83,000 | $2,567,000 |
| FHA-insured (Federal Housing Administration) |
69 | $9,466,000 |
$137,000 | $245,000 |
$50,000 | $164,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
4 | $625,000 |
$156,000 | $229,000 |
$43,000 | $68,000 |
| VA-guaranteed (Veterans Administration) |
15 | $2,469,000 |
$164,000 | $302,000 |
$50,000 | $79,000 |
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| Application Approved But Not Accepted |
145 | $28,619,000 |
$197,000 | $1,500,000 |
$115,000 | $1,472,000 |
| Application Denied By Financial Institution |
461 | $84,952,000 |
$184,000 | $1,000,000 |
$65,000 | $852,000 |
| Application Withdrawn By Applicant |
287 | $59,588,000 |
$207,000 | $1,316,000 |
$88,000 | $900,000 |
| File Closed For Incompleteness |
187 | $41,806,000 |
$223,000 | $2,250,000 |
$109,000 | $2,567,000 |
| Loan Originated |
1,790 | $360,618,000 |
$201,000 | $1,545,000 |
$88,000 | $2,169,000 |
| Loan Purchased By The Institution |
331 | $37,425,000 |
$113,000 | $595,000 |
$45,000 | $517,000 |
| 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 |
27 | $4,120,000 |
$152,000 | $727,000 |
$64,000 | $248,000 |
| Credit Application Incomplete |
2 | $430,000 |
$215,000 | $310,000 |
$90,000 | $100,000 |
| Credit History |
96 | $14,706,000 |
$153,000 | $459,000 |
$62,000 | $415,000 |
| Debt-To-Income Ratio |
197 | $39,242,000 |
$199,000 | $750,000 |
$59,000 | $368,000 |
| Employment History |
33 | $8,505,000 |
$257,000 | $1,000,000 |
$93,000 | $293,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
20 | $2,972,000 |
$148,000 | $371,000 |
$42,000 | $101,000 |
| Mortgage Insurance Denied |
1 | $100,000 |
$100,000 | $100,000 |
$35,000 | $35,000 |
| Other |
69 | $12,361,000 |
$179,000 | $996,000 |
$77,000 | $852,000 |
| Unverifiable Information |
16 | $2,516,000 |
$157,000 | $253,000 |
$66,000 | $152,000 |
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Mortgage Loan App Totals for BANCO BILBAO VIZCAYA ARGENTARI by:
Metropolitan Area And
County
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