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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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CENTURY BANK, NA
Mortgage Loans and Application Details
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| Mortgage Company Name |
CENTURY BANK, NA |
| Address | 201 RICE STREET
NEW BOSTON, TX 75570 |
| 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 | 1,316 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $167,938,000 |
| Average Mortgage Loan Amount Applied For | $142,476 |
| Highest Mortgage Loan Amount Applied For | $7,300,000 |
| Average Applicant Income | $101,507 |
| Highest Applicant Income | $1,601,000 |
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| Home Improvement |
195 | $6,577,000 |
$33,000 | $800,000 |
$79,000 | $1,266,000 |
| Home Purchase |
942 | $135,225,000 |
$143,000 | $7,300,000 |
$97,000 | $1,601,000 |
| Refinancing |
179 | $26,136,000 |
$146,000 | $3,000,000 |
$82,000 | $519,000 |
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| American Indian or Alaskan Native |
5 | $574,000 |
$114,000 | $204,000 |
$88,000 | $112,000 |
| Asian |
19 | $3,656,000 |
$192,000 | $1,240,000 |
$118,000 | $636,000 |
| Black or African American |
71 | $5,395,000 |
$75,000 | $417,000 |
$90,000 | $1,601,000 |
| Hispanic |
38 | $5,787,000 |
$152,000 | $952,000 |
$88,000 | $327,000 |
| Native Hawaiin or Other Pacific Islander |
5 | $371,000 |
$74,000 | $102,000 |
$81,000 | $107,000 |
| Not applicable |
66 | $23,952,000 |
$362,000 | $7,300,000 |
$8,000 | $350,000 |
| Not Provided |
10 | $2,358,000 |
$235,000 | $1,000,000 |
$192,000 | $540,000 |
| White |
1,102 | $125,845,000 |
$114,000 | $2,626,000 |
$97,000 | $1,266,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,266 | $162,276,000 |
$128,000 | $7,300,000 |
$94,000 | $1,601,000 |
| FHA-insured (Federal Housing Administration) |
38 | $3,658,000 |
$96,000 | $163,000 |
$55,000 | $519,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
12 | $2,004,000 |
$167,000 | $366,000 |
$67,000 | $114,000 |
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| Application Approved But Not Accepted |
1 | $14,000 |
$14,000 | $14,000 |
$44,000 | $44,000 |
| Application Denied By Financial Institution |
108 | $3,288,000 |
$30,000 | $216,000 |
$44,000 | $238,000 |
| Application Withdrawn By Applicant |
27 | $2,882,000 |
$106,000 | $325,000 |
$62,000 | $165,000 |
| File Closed For Incompleteness |
2 | $85,000 |
$42,000 | $55,000 |
$67,000 | $107,000 |
| Loan Originated |
1,178 | $161,669,000 |
$137,000 | $7,300,000 |
$98,000 | $1,601,000 |
| 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 |
5 | $90,000 |
$18,000 | $50,000 |
$71,000 | $238,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
86 | $2,584,000 |
$30,000 | $216,000 |
$41,000 | $138,000 |
| Debt-To-Income Ratio |
16 | $584,000 |
$36,000 | $101,000 |
$47,000 | $127,000 |
| 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 | $30,000 |
$30,000 | $30,000 |
$69,000 | $69,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for CENTURY BANK, NA by:
Metropolitan Area And
County
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