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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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FLORIDA BANK, N. A.
Mortgage Loans and Application Details
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| Mortgage Company Name |
FLORIDA BANK, N. A. |
| Address | 151 CORLEY MILL ROAD
LEXINGTON, SC 29072 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2004 |
| All Data Years | 2003 2004 |
| Total Number of Mortgage Loan Applications Processed | 3,101 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $563,899,000 |
| Average Mortgage Loan Amount Applied For | $159,286 |
| Highest Mortgage Loan Amount Applied For | $1,500,000 |
| Average Applicant Income | $87,086 |
| Highest Applicant Income | $2,100,000 |
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| Home Improvement |
4 | $895,000 |
$223,000 | $691,000 |
$112,000 | $360,000 |
| Home Purchase |
1,573 | $287,667,000 |
$179,125 | $1,500,000 |
$89,708 | $2,100,000 |
| Refinancing |
1,524 | $275,337,000 |
$176,478 | $1,000,000 |
$89,565 | $1,959,000 |
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| American Indian or Alaskan Native |
22 | $5,563,000 |
$218,750 | $427,000 |
$124,250 | $195,000 |
| Asian |
141 | $29,981,000 |
$166,555 | $650,000 |
$76,111 | $196,000 |
| Black or African American |
176 | $29,934,000 |
$140,181 | $432,000 |
$73,181 | $605,000 |
| Hispanic |
268 | $48,832,000 |
$159,833 | $962,000 |
$71,500 | $299,000 |
| Native Hawaiin or Other Pacific Islander |
23 | $3,800,000 |
$150,800 | $427,000 |
$66,200 | $182,000 |
| Not applicable |
55 | $11,007,000 |
$210,333 | $1,325,000 |
$50,000 | $120,000 |
| Not Provided |
310 | $56,578,000 |
$178,066 | $640,000 |
$93,600 | $2,100,000 |
| White |
2,106 | $378,204,000 |
$175,280 | $1,500,000 |
$94,280 | $2,100,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
3,066 | $560,273,000 |
$176,703 | $1,500,000 |
$92,629 | $2,100,000 |
| FHA-insured (Federal Housing Administration) |
35 | $3,626,000 |
$103,500 | $203,000 |
$30,000 | $77,000 |
| 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 |
292 | $59,585,000 |
$237,833 | $991,000 |
$104,333 | $709,000 |
| Application Denied By Financial Institution |
309 | $59,350,000 |
$181,111 | $1,000,000 |
$87,944 | $2,100,000 |
| Application Withdrawn By Applicant |
51 | $10,398,000 |
$191,000 | $536,000 |
$84,000 | $316,000 |
| File Closed For Incompleteness |
87 | $16,924,000 |
$187,076 | $527,000 |
$101,384 | $457,000 |
| Loan Originated |
2,362 | $417,642,000 |
$168,384 | $1,500,000 |
$87,500 | $2,100,000 |
| 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 |
41 | $9,689,000 |
$187,222 | $962,000 |
$102,333 | $2,100,000 |
| Credit Application Incomplete |
4 | $691,000 |
$172,750 | $325,000 |
$102,750 | $196,000 |
| Credit History |
32 | $6,722,000 |
$225,555 | $650,000 |
$89,555 | $277,000 |
| Debt-To-Income Ratio |
73 | $14,701,000 |
$212,090 | $770,000 |
$60,181 | $432,000 |
| Employment History |
7 | $716,000 |
$105,333 | $185,000 |
$46,333 | $127,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
10 | $1,615,000 |
$163,000 | $316,000 |
$122,000 | $177,000 |
| Mortgage Insurance Denied |
5 | $542,000 |
$118,000 | $147,000 |
$84,000 | $192,000 |
| Other |
115 | $20,484,000 |
$151,083 | $1,000,000 |
$98,000 | $401,000 |
| Unverifiable Information |
22 | $4,190,000 |
$154,125 | $401,000 |
$83,750 | $299,000 |
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Mortgage Loan App Totals for FLORIDA BANK, N. A. by:
Metropolitan Area And
County
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