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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 CAPITAL BANK, N.A.
Mortgage Loans and Application Details
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| Mortgage Company Name |
FLORIDA CAPITAL BANK, N.A. |
| Address | 10151 DEERWOOD PARK BLVD, 100-410
JACKSONVILLE, FL 32256 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2006 |
| Total Number of Mortgage Loan Applications Processed | 282 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $64,852,000 |
| Average Mortgage Loan Amount Applied For | $228,133 |
| Highest Mortgage Loan Amount Applied For | $2,000,000 |
| Average Applicant Income | $102,333 |
| Highest Applicant Income | $830,000 |
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| Home Improvement |
3 | $347,000 |
$115,000 | $217,000 |
$34,000 | $58,000 |
| Home Purchase |
791 | $184,658,000 |
$233,000 | $2,000,000 |
$111,000 | $7,495,000 |
| Refinancing |
855 | $220,684,000 |
$258,000 | $3,375,000 |
$121,000 | $7,495,000 |
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| American Indian or Alaskan Native |
6 | $1,498,000 |
$249,000 | $450,000 |
$94,000 | $182,000 |
| Asian |
77 | $25,610,000 |
$332,000 | $3,375,000 |
$304,000 | $7,495,000 |
| Black or African American |
211 | $48,135,000 |
$228,000 | $1,000,000 |
$96,000 | $480,000 |
| Hispanic |
167 | $42,153,000 |
$252,000 | $1,500,000 |
$106,000 | $420,000 |
| Native Hawaiin or Other Pacific Islander |
9 | $2,496,000 |
$277,000 | $536,000 |
$91,000 | $114,000 |
| Not applicable |
83 | $22,340,000 |
$269,000 | $1,000,000 |
$0 | $0 |
| Not Provided |
122 | $32,012,000 |
$262,000 | $2,000,000 |
$121,000 | $720,000 |
| White |
974 | $231,445,000 |
$237,000 | $1,495,000 |
$117,000 | $1,200,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,649 | $405,689,000 |
$246,000 | $3,375,000 |
$116,000 | $7,495,000 |
| 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 |
183 | $48,391,000 |
$264,000 | $1,500,000 |
$110,000 | $1,200,000 |
| Application Denied By Financial Institution |
341 | $94,741,000 |
$277,000 | $3,375,000 |
$178,000 | $7,495,000 |
| Application Withdrawn By Applicant |
72 | $18,339,000 |
$254,000 | $1,820,000 |
$164,000 | $1,080,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
979 | $225,014,000 |
$229,000 | $2,000,000 |
$101,000 | $840,000 |
| Loan Purchased By The Institution |
74 | $19,204,000 |
$259,000 | $489,000 |
$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 |
51 | $15,700,000 |
$307,000 | $1,500,000 |
$178,000 | $1,112,000 |
| Credit Application Incomplete |
12 | $7,120,000 |
$593,000 | $3,375,000 |
$1,363,000 | $7,495,000 |
| Credit History |
104 | $27,486,000 |
$264,000 | $1,444,000 |
$127,000 | $696,000 |
| Debt-To-Income Ratio |
48 | $10,781,000 |
$224,000 | $1,000,000 |
$97,000 | $338,000 |
| Employment History |
28 | $6,916,000 |
$247,000 | $667,000 |
$124,000 | $320,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
19 | $5,381,000 |
$283,000 | $927,000 |
$202,000 | $435,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
43 | $10,160,000 |
$236,000 | $750,000 |
$125,000 | $540,000 |
| Unverifiable Information |
36 | $11,197,000 |
$311,000 | $1,330,000 |
$132,000 | $480,000 |
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Mortgage Loan App Totals for FLORIDA CAPITAL BANK, N.A. by:
Metropolitan Area And
County
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