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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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FIRSTCITY BANK OF FLORIDA
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRSTCITY BANK OF FLORIDA |
| Address | 135 PERRY AVE SE
FORT WALTON BEACH, FL 32548 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 134 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $38,300,000 |
| Average Mortgage Loan Amount Applied For | $279,666 |
| Highest Mortgage Loan Amount Applied For | $1,640,000 |
| Average Applicant Income | $96,833 |
| Highest Applicant Income | $1,800,000 |
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| Home Improvement |
11 | $250,000 |
$22,000 | $100,000 |
$82,000 | $315,000 |
| Home Purchase |
69 | $23,543,000 |
$341,000 | $1,500,000 |
$128,000 | $886,000 |
| Refinancing |
54 | $14,507,000 |
$268,000 | $1,640,000 |
$183,000 | $1,800,000 |
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| American Indian or Alaskan Native |
1 | $85,000 |
$85,000 | $85,000 |
$7,000 | $7,000 |
| Asian |
3 | $520,000 |
$173,000 | $302,000 |
$141,000 | $205,000 |
| Black or African American |
6 | $791,000 |
$131,000 | $176,000 |
$74,000 | $138,000 |
| Hispanic |
2 | $646,000 |
$323,000 | $400,000 |
$540,000 | $720,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
20 | $8,072,000 |
$403,000 | $1,640,000 |
$0 | $0 |
| Not Provided |
3 | $728,000 |
$242,000 | $448,000 |
$223,000 | $278,000 |
| White |
99 | $27,458,000 |
$277,000 | $1,500,000 |
$172,000 | $1,800,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
134 | $38,300,000 |
$285,000 | $1,640,000 |
$146,000 | $1,800,000 |
| 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 |
30 | $9,684,000 |
$322,000 | $1,397,000 |
$190,000 | $720,000 |
| Application Denied By Financial Institution |
15 | $3,035,000 |
$202,000 | $1,320,000 |
$134,000 | $886,000 |
| Application Withdrawn By Applicant |
20 | $8,465,000 |
$423,000 | $1,500,000 |
$247,000 | $1,800,000 |
| File Closed For Incompleteness |
8 | $2,859,000 |
$357,000 | $1,640,000 |
$99,000 | $444,000 |
| Loan Originated |
61 | $14,257,000 |
$233,000 | $1,125,000 |
$101,000 | $494,000 |
| 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 |
3 | $497,000 |
$165,000 | $318,000 |
$69,000 | $95,000 |
| Debt-To-Income Ratio |
6 | $658,000 |
$109,000 | $263,000 |
$8,000 | $19,000 |
| 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 |
6 | $1,880,000 |
$313,000 | $1,320,000 |
$292,000 | $886,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for FIRSTCITY BANK OF FLORIDA by:
Metropolitan Area And
County
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