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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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BANK OF COMMERCE & TRUST CO.
Mortgage Loans and Application Details
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| Mortgage Company Name |
BANK OF COMMERCE & TRUST CO. |
| Address | P.O. BOX 246
CROWLEY, LA 70527-0246 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2003 |
| All Data Years | 2003 |
| Total Number of Mortgage Loan Applications Processed | 285 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $6,752,000 |
| Average Mortgage Loan Amount Applied For | $54,222 |
| Highest Mortgage Loan Amount Applied For | $280,000 |
| Average Applicant Income | $58,666 |
| Highest Applicant Income | $251,000 |
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| Home Improvement (one-to-four family) |
176 | $1,597,000 |
$9,000 | $117,000 |
$35,000 | $250,000 |
| Home Purchase (one-to-four family) |
56 | $2,215,000 |
$39,000 | $280,000 |
$41,000 | $192,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) |
1 | $91,000 |
$91,000 | $91,000 |
$0 | $0 |
| Refinancing (home purchase or home improvement, one-to-four family) |
52 | $2,849,000 |
$54,000 | $211,000 |
$59,000 | $251,000 |
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| American Indian or Alaskan Native |
1 | $2,000 |
$2,000 | $2,000 |
$20,000 | $20,000 |
| Asian or Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black |
23 | $203,000 |
$8,000 | $50,000 |
$23,000 | $59,000 |
| Hispanic |
1 | $1,000 |
$1,000 | $1,000 |
$13,000 | $13,000 |
| Information not provided by applicant in mail or telephone application |
1 | $6,000 |
$6,000 | $6,000 |
$18,000 | $18,000 |
| Not applicable |
8 | $336,000 |
$42,000 | $113,000 |
$62,000 | $112,000 |
| Other |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
251 | $6,204,000 |
$24,000 | $280,000 |
$51,000 | $251,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
285 | $6,752,000 |
$23,000 | $280,000 |
$42,000 | $251,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
29 | $509,000 |
$17,000 | $91,000 |
$25,000 | $86,000 |
| Application Withdrawn By Applicant |
5 | $102,000 |
$20,000 | $40,000 |
$40,000 | $55,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
251 | $6,141,000 |
$24,000 | $280,000 |
$49,000 | $251,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Collateral |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
21 | $401,000 |
$19,000 | $91,000 |
$26,000 | $86,000 |
| Debt-To-Income Ratio |
8 | $108,000 |
$13,000 | $60,000 |
$24,000 | $54,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for BANK OF COMMERCE & TRUST CO. by:
Metropolitan Area And
County
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