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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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CENTRAL FLORIDA STATE BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
CENTRAL FLORIDA STATE BANK |
| Address | P. O. BOX 3340
BELLEVIEW, FL 34421 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 77 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $9,866,000 |
| Average Mortgage Loan Amount Applied For | $145,833 |
| Highest Mortgage Loan Amount Applied For | $1,200,000 |
| Average Applicant Income | $112,416 |
| Highest Applicant Income | $436,000 |
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| Home Improvement |
5 | $257,000 |
$51,000 | $180,000 |
$58,000 | $142,000 |
| Home Purchase |
59 | $7,656,000 |
$129,000 | $1,200,000 |
$85,000 | $436,000 |
| Refinancing |
13 | $1,953,000 |
$150,000 | $357,000 |
$97,000 | $358,000 |
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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 |
3 | $544,000 |
$181,000 | $203,000 |
$88,000 | $128,000 |
| Hispanic |
1 | $163,000 |
$163,000 | $163,000 |
$30,000 | $30,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
11 | $2,871,000 |
$261,000 | $1,200,000 |
$39,000 | $436,000 |
| Not Provided |
16 | $1,297,000 |
$81,000 | $357,000 |
$84,000 | $403,000 |
| White |
46 | $4,991,000 |
$108,000 | $370,000 |
$97,000 | $358,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
77 | $9,866,000 |
$128,000 | $1,200,000 |
$85,000 | $436,000 |
| 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 |
1 | $31,000 |
$31,000 | $31,000 |
$55,000 | $55,000 |
| Application Denied By Financial Institution |
25 | $4,005,000 |
$160,000 | $1,200,000 |
$48,000 | $102,000 |
| Application Withdrawn By Applicant |
8 | $1,548,000 |
$193,000 | $806,000 |
$109,000 | $436,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
43 | $4,282,000 |
$99,000 | $357,000 |
$103,000 | $403,000 |
| 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 |
1 | $38,000 |
$38,000 | $38,000 |
$31,000 | $31,000 |
| Credit Application Incomplete |
1 | $32,000 |
$32,000 | $32,000 |
$70,000 | $70,000 |
| Credit History |
13 | $1,351,000 |
$103,000 | $370,000 |
$43,000 | $79,000 |
| Debt-To-Income Ratio |
3 | $152,000 |
$50,000 | $58,000 |
$34,000 | $52,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
3 | $560,000 |
$186,000 | $200,000 |
$63,000 | $84,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
3 | $1,692,000 |
$564,000 | $1,200,000 |
$62,000 | $102,000 |
| Unverifiable Information |
1 | $180,000 |
$180,000 | $180,000 |
$60,000 | $60,000 |
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Mortgage Loan App Totals for CENTRAL FLORIDA STATE BANK by:
Metropolitan Area And
County
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