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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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FIRST BANK AND TRUST
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST BANK AND TRUST |
| Address | 7806 INDIANA AVE
LUBBOCK, TX 79423 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 146 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $6,891,000 |
| Average Mortgage Loan Amount Applied For | $34,466 |
| Highest Mortgage Loan Amount Applied For | $1,200,000 |
| Average Applicant Income | $101,600 |
| Highest Applicant Income | $439,000 |
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| Home Improvement |
26 | $725,000 |
$27,000 | $275,000 |
$76,000 | $329,000 |
| Home Purchase |
115 | $5,807,000 |
$50,000 | $1,200,000 |
$100,000 | $439,000 |
| Refinancing |
5 | $359,000 |
$71,000 | $127,000 |
$114,000 | $240,000 |
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| American Indian or Alaskan Native |
1 | $20,000 |
$20,000 | $20,000 |
$60,000 | $60,000 |
| Asian |
2 | $63,000 |
$31,000 | $35,000 |
$100,000 | $135,000 |
| Black or African American |
2 | $42,000 |
$21,000 | $27,000 |
$115,000 | $147,000 |
| Hispanic |
22 | $380,000 |
$17,000 | $43,000 |
$62,000 | $168,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
3 | $249,000 |
$83,000 | $130,000 |
$69,000 | $198,000 |
| Not Provided |
4 | $67,000 |
$16,000 | $30,000 |
$86,000 | $200,000 |
| White |
112 | $6,070,000 |
$54,000 | $1,200,000 |
$104,000 | $439,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
146 | $6,891,000 |
$47,000 | $1,200,000 |
$96,000 | $439,000 |
| 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 |
12 | $1,470,000 |
$122,000 | $1,200,000 |
$60,000 | $118,000 |
| Application Withdrawn By Applicant |
3 | $275,000 |
$91,000 | $127,000 |
$52,000 | $63,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
31 | $1,633,000 |
$52,000 | $275,000 |
$91,000 | $372,000 |
| Loan Purchased By The Institution |
100 | $3,513,000 |
$35,000 | $260,000 |
$103,000 | $439,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
1 | $25,000 |
$25,000 | $25,000 |
$22,000 | $22,000 |
| 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 FIRST BANK AND TRUST by:
Metropolitan Area And
County
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