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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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BRITTON & KOONTZ BANK, N.A.
Mortgage Loans and Application Details
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| Mortgage Company Name |
BRITTON & KOONTZ BANK, N.A. |
| Address | 500 MAIN STREET
NATCHEZ, MS 39120 |
| 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 | 263 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $31,092,000 |
| Average Mortgage Loan Amount Applied For | $149,240 |
| Highest Mortgage Loan Amount Applied For | $1,131,000 |
| Average Applicant Income | $120,040 |
| Highest Applicant Income | $1,946,000 |
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| Home Improvement |
27 | $1,518,000 |
$56,000 | $624,000 |
$64,000 | $493,000 |
| Home Purchase |
114 | $14,910,000 |
$130,000 | $843,000 |
$85,000 | $1,946,000 |
| Refinancing |
122 | $14,664,000 |
$120,000 | $1,131,000 |
$86,000 | $772,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $30,000 |
$30,000 | $30,000 |
$38,000 | $38,000 |
| Black or African American |
73 | $4,421,000 |
$60,000 | $259,000 |
$41,000 | $123,000 |
| Hispanic |
3 | $148,000 |
$49,000 | $67,000 |
$39,000 | $72,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
9 | $2,261,000 |
$251,000 | $808,000 |
$0 | $0 |
| Not Provided |
2 | $113,000 |
$56,000 | $85,000 |
$16,000 | $32,000 |
| White |
175 | $24,119,000 |
$137,000 | $1,131,000 |
$107,000 | $1,946,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
231 | $27,753,000 |
$120,000 | $1,131,000 |
$88,000 | $1,946,000 |
| FHA-insured (Federal Housing Administration) |
25 | $2,528,000 |
$101,000 | $173,000 |
$49,000 | $207,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
1 | $90,000 |
$90,000 | $90,000 |
$43,000 | $43,000 |
| VA-guaranteed (Veterans Administration) |
6 | $721,000 |
$120,000 | $217,000 |
$35,000 | $71,000 |
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| Application Approved But Not Accepted |
34 | $5,172,000 |
$152,000 | $417,000 |
$100,000 | $570,000 |
| Application Denied By Financial Institution |
54 | $4,613,000 |
$85,000 | $259,000 |
$38,000 | $207,000 |
| Application Withdrawn By Applicant |
9 | $706,000 |
$78,000 | $225,000 |
$40,000 | $100,000 |
| File Closed For Incompleteness |
2 | $167,000 |
$83,000 | $112,000 |
$82,000 | $116,000 |
| Loan Originated |
164 | $20,434,000 |
$124,000 | $1,131,000 |
$97,000 | $1,946,000 |
| 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 |
3 | $552,000 |
$184,000 | $192,000 |
$37,000 | $71,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
30 | $2,107,000 |
$70,000 | $259,000 |
$37,000 | $76,000 |
| Debt-To-Income Ratio |
16 | $1,415,000 |
$88,000 | $217,000 |
$41,000 | $207,000 |
| Employment History |
1 | $33,000 |
$33,000 | $33,000 |
$19,000 | $19,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $250,000 |
$250,000 | $250,000 |
$52,000 | $52,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
3 | $256,000 |
$85,000 | $150,000 |
$43,000 | $64,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for BRITTON & KOONTZ BANK, N.A. by:
Metropolitan Area And
County
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