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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 TEXAS, NA
Mortgage Loans and Application Details
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| Mortgage Company Name |
BANK OF TEXAS, NA |
| Address | PO BOX 2300
TULSA, OK 74102 |
| 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 | 433 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $51,264,000 |
| Average Mortgage Loan Amount Applied For | $236,250 |
| Highest Mortgage Loan Amount Applied For | $2,890,000 |
| Average Applicant Income | $173,272 |
| Highest Applicant Income | $3,279,000 |
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| Home Improvement |
260 | $15,713,000 |
$60,000 | $1,600,000 |
$118,000 | $1,690,000 |
| Home Purchase |
79 | $25,397,000 |
$321,000 | $2,890,000 |
$195,000 | $1,345,000 |
| Refinancing |
94 | $10,154,000 |
$108,000 | $799,000 |
$125,000 | $3,279,000 |
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| American Indian or Alaskan Native |
3 | $165,000 |
$55,000 | $100,000 |
$81,000 | $133,000 |
| Asian |
10 | $1,220,000 |
$122,000 | $445,000 |
$130,000 | $368,000 |
| Black or African American |
40 | $1,126,000 |
$28,000 | $100,000 |
$39,000 | $120,000 |
| Hispanic |
81 | $4,871,000 |
$60,000 | $799,000 |
$61,000 | $840,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
37 | $13,131,000 |
$354,000 | $2,890,000 |
$0 | $0 |
| Not Provided |
29 | $2,161,000 |
$74,000 | $740,000 |
$158,000 | $861,000 |
| White |
233 | $28,590,000 |
$122,000 | $1,935,000 |
$194,000 | $3,279,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
433 | $51,264,000 |
$118,000 | $2,890,000 |
$133,000 | $3,279,000 |
| 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 |
15 | $912,000 |
$60,000 | $390,000 |
$141,000 | $694,000 |
| Application Denied By Financial Institution |
220 | $10,061,000 |
$45,000 | $500,000 |
$72,000 | $861,000 |
| Application Withdrawn By Applicant |
1 | $71,000 |
$71,000 | $71,000 |
$144,000 | $144,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
197 | $40,220,000 |
$204,000 | $2,890,000 |
$201,000 | $3,279,000 |
| 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 |
31 | $2,225,000 |
$71,000 | $500,000 |
$131,000 | $861,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
107 | $3,071,000 |
$28,000 | $144,000 |
$60,000 | $216,000 |
| Debt-To-Income Ratio |
66 | $3,860,000 |
$58,000 | $264,000 |
$50,000 | $216,000 |
| Employment History |
1 | $50,000 |
$50,000 | $50,000 |
$38,000 | $38,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
2 | $35,000 |
$17,000 | $20,000 |
$99,000 | $169,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
10 | $666,000 |
$66,000 | $198,000 |
$137,000 | $338,000 |
| Unverifiable Information |
3 | $154,000 |
$51,000 | $86,000 |
$149,000 | $252,000 |
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Mortgage Loan App Totals for BANK OF TEXAS, NA by:
Metropolitan Area And
County
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