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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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CENTERSTATE BANK OF FLORIDA NA
Mortgage Loans and Application Details
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| Mortgage Company Name |
CENTERSTATE BANK OF FLORIDA NA |
| Address | 300 W CENTRAL AVE
LAKE WALES, FL 33853 |
| 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 | 481 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $45,597,000 |
| Average Mortgage Loan Amount Applied For | $102,428 |
| Highest Mortgage Loan Amount Applied For | $1,300,000 |
| Average Applicant Income | $65,071 |
| Highest Applicant Income | $1,123,000 |
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| Home Improvement |
38 | $1,240,000 |
$32,000 | $200,000 |
$43,000 | $240,000 |
| Home Purchase |
372 | $36,051,000 |
$96,000 | $1,300,000 |
$82,000 | $1,123,000 |
| Refinancing |
71 | $8,306,000 |
$116,000 | $810,000 |
$67,000 | $330,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
11 | $812,000 |
$73,000 | $146,000 |
$78,000 | $124,000 |
| Hispanic |
25 | $2,197,000 |
$87,000 | $214,000 |
$70,000 | $597,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
1 | $85,000 |
$85,000 | $85,000 |
$0 | $0 |
| Not Provided |
11 | $643,000 |
$58,000 | $120,000 |
$63,000 | $161,000 |
| White |
433 | $41,860,000 |
$96,000 | $1,300,000 |
$77,000 | $1,123,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
481 | $45,597,000 |
$94,000 | $1,300,000 |
$77,000 | $1,123,000 |
| 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 |
50 | $3,234,000 |
$64,000 | $220,000 |
$83,000 | $597,000 |
| Application Denied By Financial Institution |
61 | $3,986,000 |
$65,000 | $371,000 |
$24,000 | $298,000 |
| Application Withdrawn By Applicant |
3 | $243,000 |
$81,000 | $125,000 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
367 | $38,134,000 |
$103,000 | $1,300,000 |
$85,000 | $1,123,000 |
| 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 |
2 | $506,000 |
$253,000 | $371,000 |
$0 | $0 |
| Credit History |
40 | $1,930,000 |
$48,000 | $175,000 |
$5,000 | $135,000 |
| Debt-To-Income Ratio |
17 | $1,454,000 |
$85,000 | $233,000 |
$74,000 | $298,000 |
| 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 |
1 | $70,000 |
$70,000 | $70,000 |
$0 | $0 |
| Unverifiable Information |
1 | $26,000 |
$26,000 | $26,000 |
$22,000 | $22,000 |
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Mortgage Loan App Totals for CENTERSTATE BANK OF FLORIDA NA by:
Metropolitan Area And
County
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