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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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CITICORP TRUST BANK, FSB
Mortgage Loans and Application Details
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| Mortgage Company Name |
CITICORP TRUST BANK, FSB |
| Address | 4000 REGENT BLVD
IRVING, TX 75063 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 171,261 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $26,481,620,000 |
| Average Mortgage Loan Amount Applied For | $106,869 |
| Highest Mortgage Loan Amount Applied For | $20,740,000 |
| Average Applicant Income | $54,698 |
| Highest Applicant Income | $2,590,000 |
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| Home Improvement |
15,231 | $2,660,130,000 |
$174,000 | $5,333,000 |
$59,000 | $1,165,000 |
| Home Purchase |
33 | $3,915,000 |
$118,000 | $396,000 |
$58,000 | $160,000 |
| Refinancing |
155,998 | $23,817,610,000 |
$152,000 | $20,740,000 |
$61,000 | $2,590,000 |
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| American Indian or Alaskan Native |
1,411 | $207,645,000 |
$147,000 | $4,000,000 |
$60,000 | $1,574,000 |
| Asian |
5,193 | $1,241,074,000 |
$238,000 | $2,750,000 |
$78,000 | $985,000 |
| Black or African American |
35,451 | $4,531,708,000 |
$127,000 | $4,110,000 |
$58,000 | $2,540,000 |
| Hispanic |
41,894 | $8,018,183,000 |
$191,000 | $20,740,000 |
$57,000 | $1,866,000 |
| Native Hawaiin or Other Pacific Islander |
1,428 | $358,029,000 |
$250,000 | $1,850,000 |
$74,000 | $720,000 |
| Not applicable |
252 | $31,907,000 |
$126,000 | $396,000 |
$57,000 | $233,000 |
| Not Provided |
3,551 | $505,266,000 |
$142,000 | $1,200,000 |
$58,000 | $888,000 |
| White |
82,082 | $11,587,843,000 |
$141,000 | $3,395,000 |
$63,000 | $2,590,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
171,262 | $26,481,655,000 |
$154,000 | $20,740,000 |
$61,000 | $2,590,000 |
| 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 |
68,791 | $11,261,591,000 |
$163,000 | $3,250,000 |
$68,000 | $2,590,000 |
| Application Denied By Financial Institution |
65,797 | $10,079,777,000 |
$153,000 | $20,740,000 |
$54,000 | $2,540,000 |
| Application Withdrawn By Applicant |
5,718 | $1,047,256,000 |
$183,000 | $1,850,000 |
$55,000 | $720,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
30,485 | $4,044,902,000 |
$132,000 | $1,000,000 |
$62,000 | $1,866,000 |
| Loan Purchased By The Institution |
471 | $48,129,000 |
$102,000 | $396,000 |
$56,000 | $233,000 |
| 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 |
17,978 | $2,564,345,000 |
$142,000 | $4,000,000 |
$61,000 | $1,165,000 |
| Credit Application Incomplete |
120 | $19,645,000 |
$163,000 | $600,000 |
$55,000 | $240,000 |
| Credit History |
17,087 | $2,265,875,000 |
$132,000 | $5,333,000 |
$55,000 | $2,540,000 |
| Debt-To-Income Ratio |
16,384 | $3,233,237,000 |
$197,000 | $8,458,000 |
$42,000 | $600,000 |
| Employment History |
1,703 | $264,781,000 |
$155,000 | $1,750,000 |
$48,000 | $720,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
2 | $520,000 |
$260,000 | $330,000 |
$87,000 | $102,000 |
| Other |
10,493 | $1,400,636,000 |
$133,000 | $20,740,000 |
$58,000 | $2,184,000 |
| Unverifiable Information |
2,030 | $330,738,000 |
$162,000 | $2,200,000 |
$54,000 | $720,000 |
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Mortgage Loan App Totals for CITICORP TRUST BANK, FSB by:
Metropolitan Area And
County
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