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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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COMMERCIAL STATE BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
COMMERCIAL STATE BANK |
| Address | P. O. BOX 430
SINTON, TX 78387 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 18 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $74,014,000 |
| Average Mortgage Loan Amount Applied For | $14,597,600 |
| Highest Mortgage Loan Amount Applied For | $71,500,000 |
| Average Applicant Income | $56,000 |
| Highest Applicant Income | $700,000 |
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| Home Improvement |
8 | $74,000 |
$9,000 | $27,000 |
$63,000 | $89,000 |
| Home Purchase |
8 | $73,839,000 |
$9,229,000 | $71,500,000 |
$151,000 | $700,000 |
| Refinancing |
2 | $101,000 |
$50,000 | $80,000 |
$97,000 | $112,000 |
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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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
7 | $93,000 |
$13,000 | $30,000 |
$58,000 | $89,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
1 | $71,500,000 |
$71,500,000 | $71,500,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
10 | $2,421,000 |
$242,000 | $1,260,000 |
$150,000 | $700,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
18 | $74,014,000 |
$4,111,000 | $71,500,000 |
$106,000 | $700,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
4 | $45,000 |
$11,000 | $30,000 |
$53,000 | $72,000 |
| Application Withdrawn By Applicant |
6 | $72,451,000 |
$12,075,000 | $71,500,000 |
$183,000 | $700,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
8 | $1,518,000 |
$189,000 | $1,260,000 |
$75,000 | $110,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
4 | $45,000 |
$11,000 | $30,000 |
$53,000 | $72,000 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for COMMERCIAL STATE BANK by:
Metropolitan Area And
County
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