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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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CITIBANK TEXAS, N.A.
Mortgage Loans and Application Details
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| Mortgage Company Name |
CITIBANK TEXAS, N.A. |
| Address | 850 THIRD AVENUE, 12TH FLOOR
NEW YORK, NY 10022 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2005 |
| All Data Years | 2005 |
| Total Number of Mortgage Loan Applications Processed | 3,010 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $556,954,000 |
| Average Mortgage Loan Amount Applied For | $164,912 |
| Highest Mortgage Loan Amount Applied For | $2,200,000 |
| Average Applicant Income | $110,437 |
| Highest Applicant Income | $6,725,000 |
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| Home Improvement |
630 | $31,105,000 |
$97,500 | $1,300,000 |
$90,500 | $872,000 |
| Home Purchase |
1,592 | $321,630,000 |
$316,750 | $2,200,000 |
$192,125 | $6,725,000 |
| Refinancing |
932 | $218,107,000 |
$239,666 | $1,500,000 |
$110,000 | $3,500,000 |
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| American Indian or Alaskan Native |
10 | $1,877,000 |
$756,500 | $1,468,000 |
$843,500 | $1,595,000 |
| Asian |
96 | $26,673,000 |
$256,333 | $1,000,000 |
$85,333 | $335,000 |
| Black or African American |
103 | $11,604,000 |
$217,333 | $700,000 |
$78,333 | $418,000 |
| Hispanic |
340 | $36,826,000 |
$271,142 | $1,200,000 |
$209,000 | $888,000 |
| Native Hawaiin or Other Pacific Islander |
8 | $1,971,000 |
$321,500 | $649,000 |
$80,500 | $185,000 |
| Not applicable |
46 | $9,409,000 |
$148,500 | $1,300,000 |
$31,500 | $388,000 |
| Not Provided |
348 | $95,074,000 |
$235,666 | $1,626,000 |
$116,666 | $6,725,000 |
| White |
2,203 | $387,408,000 |
$234,250 | $2,200,000 |
$150,625 | $3,500,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
2,995 | $556,121,000 |
$276,888 | $2,200,000 |
$176,666 | $6,725,000 |
| FHA-insured (Federal Housing Administration) |
135 | $11,423,000 |
$82,000 | $175,000 |
$37,000 | $184,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
24 | $3,298,000 |
$140,500 | $245,000 |
$38,000 | $93,000 |
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| Application Approved But Not Accepted |
44 | $2,441,000 |
$55,000 | $236,000 |
$78,000 | $275,000 |
| Application Denied By Financial Institution |
484 | $18,784,000 |
$38,000 | $370,000 |
$71,000 | $751,000 |
| Application Withdrawn By Applicant |
224 | $28,174,000 |
$251,500 | $2,200,000 |
$204,750 | $888,000 |
| File Closed For Incompleteness |
63 | $7,476,000 |
$84,000 | $1,380,000 |
$164,000 | $1,200,000 |
| Loan Originated |
951 | $93,815,000 |
$174,333 | $1,731,000 |
$117,833 | $1,377,000 |
| Loan Purchased By The Institution |
1,245 | $406,279,000 |
$358,500 | $2,000,000 |
$164,500 | $6,725,000 |
| Preapproval Approved but not Accepted |
110 | $11,382,000 |
$103,000 | $360,000 |
$33,000 | $148,000 |
| Preapproval Denied by Financial Institution |
33 | $2,491,000 |
$75,000 | $188,000 |
$32,000 | $144,000 |
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| Collateral |
123 | $5,221,000 |
$42,000 | $225,000 |
$86,000 | $257,000 |
| Credit Application Incomplete |
14 | $1,195,000 |
$85,000 | $180,000 |
$26,000 | $96,000 |
| Credit History |
289 | $9,466,000 |
$48,500 | $336,000 |
$55,000 | $751,000 |
| Debt-To-Income Ratio |
51 | $2,567,000 |
$58,500 | $370,000 |
$32,500 | $252,000 |
| Employment History |
6 | $524,000 |
$76,000 | $150,000 |
$32,500 | $61,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $29,000 |
$29,000 | $29,000 |
$22,000 | $22,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
28 | $1,919,000 |
$96,000 | $250,000 |
$71,000 | $500,000 |
| Unverifiable Information |
5 | $354,000 |
$70,000 | $100,000 |
$36,000 | $66,000 |
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Mortgage Loan App Totals for CITIBANK TEXAS, N.A. by:
Metropolitan Area And
County
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