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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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BANKTRUST
Mortgage Loans and Application Details
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| Mortgage Company Name |
BANKTRUST |
| Address | P O BOX 3067
MOBILE, AL 36652 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 444 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $26,539,000 |
| Average Mortgage Loan Amount Applied For | $109,909 |
| Highest Mortgage Loan Amount Applied For | $780,000 |
| Average Applicant Income | $74,818 |
| Highest Applicant Income | $682,000 |
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| Home Improvement |
172 | $2,343,000 |
$13,000 | $165,000 |
$40,000 | $300,000 |
| Home Purchase |
178 | $14,515,000 |
$81,000 | $500,000 |
$66,000 | $450,000 |
| Refinancing |
96 | $9,917,000 |
$103,000 | $780,000 |
$68,000 | $682,000 |
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| American Indian or Alaskan Native |
1 | $78,000 |
$78,000 | $78,000 |
$0 | $0 |
| Asian |
4 | $768,000 |
$192,000 | $433,000 |
$167,000 | $300,000 |
| Black or African American |
99 | $1,912,000 |
$19,000 | $108,000 |
$31,000 | $160,000 |
| Hispanic |
8 | $281,000 |
$35,000 | $80,000 |
$40,000 | $113,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
17 | $3,009,000 |
$177,000 | $586,000 |
$0 | $0 |
| Not Provided |
3 | $418,000 |
$139,000 | $207,000 |
$236,000 | $663,000 |
| White |
314 | $20,309,000 |
$64,000 | $780,000 |
$65,000 | $682,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
446 | $26,775,000 |
$60,000 | $780,000 |
$56,000 | $682,000 |
| 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 |
2 | $303,000 |
$151,000 | $217,000 |
$223,000 | $327,000 |
| Application Denied By Financial Institution |
65 | $2,756,000 |
$42,000 | $290,000 |
$34,000 | $232,000 |
| Application Withdrawn By Applicant |
45 | $7,637,000 |
$169,000 | $780,000 |
$73,000 | $313,000 |
| File Closed For Incompleteness |
1 | $180,000 |
$180,000 | $180,000 |
$84,000 | $84,000 |
| Loan Originated |
333 | $15,899,000 |
$47,000 | $586,000 |
$57,000 | $682,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
20 | $378,000 |
$18,000 | $105,000 |
$31,000 | $120,000 |
| Debt-To-Income Ratio |
3 | $528,000 |
$176,000 | $290,000 |
$84,000 | $108,000 |
| Employment History |
1 | $7,000 |
$7,000 | $7,000 |
$14,000 | $14,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $16,000 |
$16,000 | $16,000 |
$25,000 | $25,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for BANKTRUST by:
Metropolitan Area And
County
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