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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 INDEPENDENT CAPITAL, INC
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST INDEPENDENT CAPITAL, INC |
| Address | 602 W GRAND AVE
CHICKASHA, OK 73018 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 130 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $13,222,000 |
| Average Mortgage Loan Amount Applied For | $99,600 |
| Highest Mortgage Loan Amount Applied For | $380,000 |
| Average Applicant Income | $71,300 |
| Highest Applicant Income | $259,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
78 | $8,487,000 |
$108,000 | $315,000 |
$58,000 | $259,000 |
| Refinancing |
52 | $4,735,000 |
$91,000 | $380,000 |
$44,000 | $164,000 |
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| American Indian or Alaskan Native |
4 | $660,000 |
$165,000 | $302,000 |
$67,000 | $122,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
1 | $70,000 |
$70,000 | $70,000 |
$20,000 | $20,000 |
| Hispanic |
4 | $263,000 |
$65,000 | $89,000 |
$41,000 | $49,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
9 | $841,000 |
$93,000 | $215,000 |
$30,000 | $74,000 |
| White |
112 | $11,388,000 |
$101,000 | $380,000 |
$54,000 | $259,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
130 | $13,222,000 |
$101,000 | $380,000 |
$52,000 | $259,000 |
| 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 |
34 | $2,894,000 |
$85,000 | $215,000 |
$40,000 | $122,000 |
| Application Withdrawn By Applicant |
10 | $1,010,000 |
$101,000 | $225,000 |
$78,000 | $259,000 |
| File Closed For Incompleteness |
1 | $50,000 |
$50,000 | $50,000 |
$29,000 | $29,000 |
| Loan Originated |
85 | $9,268,000 |
$109,000 | $380,000 |
$55,000 | $259,000 |
| 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 |
1 | $215,000 |
$215,000 | $215,000 |
$74,000 | $74,000 |
| Credit History |
24 | $1,946,000 |
$81,000 | $190,000 |
$41,000 | $122,000 |
| Debt-To-Income Ratio |
4 | $356,000 |
$89,000 | $119,000 |
$33,000 | $54,000 |
| Employment History |
2 | $171,000 |
$85,000 | $90,000 |
$12,000 | $24,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
1 | $116,000 |
$116,000 | $116,000 |
$58,000 | $58,000 |
| Other |
2 | $90,000 |
$45,000 | $55,000 |
$53,000 | $66,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for FIRST INDEPENDENT CAPITAL, INC by:
Metropolitan Area And
County
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