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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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FIDELITY FEDERAL BANK & TRUST
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIDELITY FEDERAL BANK & TRUST |
| Address | 205 DATURA STREET
WEST PALM BEACH, FL 33401 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 2,189 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $694,927,000 |
| Average Mortgage Loan Amount Applied For | $309,794 |
| Highest Mortgage Loan Amount Applied For | $9,000,000 |
| Average Applicant Income | $151,282 |
| Highest Applicant Income | $4,992,000 |
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| Home Improvement |
144 | $22,862,000 |
$158,000 | $3,000,000 |
$103,000 | $1,800,000 |
| Home Purchase |
1,436 | $505,446,000 |
$351,000 | $9,000,000 |
$152,000 | $4,992,000 |
| Refinancing |
727 | $188,442,000 |
$259,000 | $5,000,000 |
$100,000 | $3,958,000 |
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| American Indian or Alaskan Native |
5 | $884,000 |
$176,000 | $265,000 |
$68,000 | $103,000 |
| Asian |
38 | $11,136,000 |
$293,000 | $1,682,000 |
$106,000 | $541,000 |
| Black or African American |
292 | $55,975,000 |
$191,000 | $1,100,000 |
$61,000 | $570,000 |
| Hispanic |
251 | $61,693,000 |
$245,000 | $2,000,000 |
$103,000 | $854,000 |
| Native Hawaiin or Other Pacific Islander |
6 | $1,252,000 |
$208,000 | $653,000 |
$50,000 | $179,000 |
| Not applicable |
73 | $40,601,000 |
$556,000 | $4,608,000 |
$2,000 | $148,000 |
| Not Provided |
126 | $44,848,000 |
$355,000 | $5,000,000 |
$203,000 | $3,958,000 |
| White |
1,516 | $500,361,000 |
$330,000 | $9,000,000 |
$153,000 | $4,992,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
2,307 | $716,750,000 |
$310,000 | $9,000,000 |
$132,000 | $4,992,000 |
| 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 |
225 | $100,257,000 |
$445,000 | $9,000,000 |
$182,000 | $3,162,000 |
| Application Denied By Financial Institution |
214 | $75,069,000 |
$350,000 | $3,000,000 |
$110,000 | $1,644,000 |
| Application Withdrawn By Applicant |
157 | $62,015,000 |
$395,000 | $3,600,000 |
$173,000 | $4,992,000 |
| File Closed For Incompleteness |
84 | $23,023,000 |
$274,000 | $1,638,000 |
$113,000 | $790,000 |
| Loan Originated |
1,453 | $428,530,000 |
$294,000 | $5,000,000 |
$135,000 | $3,958,000 |
| Loan Purchased By The Institution |
56 | $6,033,000 |
$107,000 | $200,000 |
$34,000 | $47,000 |
| Preapproval Approved but not Accepted |
64 | $10,392,000 |
$162,000 | $1,040,000 |
$41,000 | $183,000 |
| Preapproval Denied by Financial Institution |
54 | $11,431,000 |
$211,000 | $900,000 |
$57,000 | $360,000 |
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| Collateral |
11 | $5,535,000 |
$503,000 | $2,500,000 |
$100,000 | $540,000 |
| Credit Application Incomplete |
1 | $238,000 |
$238,000 | $238,000 |
$85,000 | $85,000 |
| Credit History |
71 | $26,582,000 |
$374,000 | $3,000,000 |
$126,000 | $1,644,000 |
| Debt-To-Income Ratio |
113 | $29,402,000 |
$260,000 | $2,555,000 |
$70,000 | $624,000 |
| Employment History |
2 | $430,000 |
$215,000 | $270,000 |
$73,000 | $97,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
6 | $2,076,000 |
$346,000 | $880,000 |
$79,000 | $255,000 |
| Mortgage Insurance Denied |
3 | $759,000 |
$253,000 | $323,000 |
$14,000 | $44,000 |
| Other |
59 | $18,682,000 |
$316,000 | $2,156,000 |
$116,000 | $1,200,000 |
| Unverifiable Information |
2 | $2,796,000 |
$1,398,000 | $2,500,000 |
$517,000 | $993,000 |
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Mortgage Loan App Totals for FIDELITY FEDERAL BANK & TRUST by:
Metropolitan Area And
County
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