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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 GULF BANK, N.A.
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST GULF BANK, N.A. |
| Address | 2200 AIRPORT BLVD.
PENSACOLA, FL 32504 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 1,026 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $204,309,000 |
| Average Mortgage Loan Amount Applied For | $211,000 |
| Highest Mortgage Loan Amount Applied For | $3,900,000 |
| Average Applicant Income | $117,131 |
| Highest Applicant Income | $4,330,000 |
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| Home Improvement |
11 | $118,000 |
$10,000 | $50,000 |
$48,000 | $130,000 |
| Home Purchase |
698 | $134,670,000 |
$192,000 | $3,900,000 |
$99,000 | $1,304,000 |
| Refinancing |
317 | $69,521,000 |
$219,000 | $3,388,000 |
$120,000 | $4,330,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
9 | $2,567,000 |
$285,000 | $466,000 |
$306,000 | $1,092,000 |
| Black or African American |
25 | $3,694,000 |
$147,000 | $1,000,000 |
$50,000 | $79,000 |
| Hispanic |
9 | $1,000,000 |
$111,000 | $176,000 |
$47,000 | $127,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $766,000 |
$766,000 | $766,000 |
$175,000 | $175,000 |
| Not applicable |
40 | $15,692,000 |
$392,000 | $3,900,000 |
$25,000 | $836,000 |
| Not Provided |
22 | $6,009,000 |
$273,000 | $700,000 |
$197,000 | $830,000 |
| White |
920 | $174,581,000 |
$189,000 | $3,388,000 |
$106,000 | $4,330,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,015 | $202,600,000 |
$199,000 | $3,900,000 |
$105,000 | $4,330,000 |
| FHA-insured (Federal Housing Administration) |
2 | $196,000 |
$98,000 | $102,000 |
$48,000 | $51,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
9 | $1,513,000 |
$168,000 | $211,000 |
$53,000 | $63,000 |
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| Application Approved But Not Accepted |
20 | $3,992,000 |
$199,000 | $536,000 |
$187,000 | $1,092,000 |
| Application Denied By Financial Institution |
58 | $8,980,000 |
$154,000 | $1,000,000 |
$63,000 | $470,000 |
| Application Withdrawn By Applicant |
146 | $28,829,000 |
$197,000 | $1,650,000 |
$98,000 | $840,000 |
| File Closed For Incompleteness |
17 | $3,606,000 |
$212,000 | $630,000 |
$111,000 | $576,000 |
| Loan Originated |
785 | $158,902,000 |
$202,000 | $3,900,000 |
$107,000 | $4,330,000 |
| 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 |
3 | $462,000 |
$154,000 | $300,000 |
$197,000 | $470,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
33 | $4,208,000 |
$127,000 | $348,000 |
$47,000 | $110,000 |
| Debt-To-Income Ratio |
13 | $3,346,000 |
$257,000 | $1,000,000 |
$67,000 | $336,000 |
| Employment History |
1 | $230,000 |
$230,000 | $230,000 |
$102,000 | $102,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
2 | $120,000 |
$60,000 | $96,000 |
$75,000 | $75,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
6 | $614,000 |
$102,000 | $179,000 |
$65,000 | $134,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for FIRST GULF BANK, N.A. by:
Metropolitan Area And
County
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