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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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FLORIDAFIRST BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
FLORIDAFIRST BANK |
| Address | 205 East Orange Street
Lakeland, FL 33801 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2003 |
| All Data Years | 2003 |
| Total Number of Mortgage Loan Applications Processed | 2,786 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $217,796,000 |
| Average Mortgage Loan Amount Applied For | $106,200 |
| Highest Mortgage Loan Amount Applied For | $650,000 |
| Average Applicant Income | $64,650 |
| Highest Applicant Income | $1,399,000 |
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| Home Improvement (one-to-four family) |
443 | $13,759,000 |
$31,000 | $190,000 |
$62,000 | $720,000 |
| Home Purchase (one-to-four family) |
1,031 | $98,648,000 |
$95,000 | $650,000 |
$47,000 | $837,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Refinancing (home purchase or home improvement, one-to-four family) |
1,312 | $105,389,000 |
$80,000 | $650,000 |
$58,000 | $1,399,000 |
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| American Indian or Alaskan Native |
4 | $180,000 |
$45,000 | $77,000 |
$58,000 | $78,000 |
| Asian or Pacific Islander |
27 | $2,809,000 |
$104,000 | $299,000 |
$70,000 | $229,000 |
| Black |
105 | $6,129,000 |
$58,000 | $355,000 |
$48,000 | $241,000 |
| Hispanic |
127 | $9,424,000 |
$74,000 | $357,000 |
$44,000 | $277,000 |
| Information not provided by applicant in mail or telephone application |
49 | $5,393,000 |
$110,000 | $550,000 |
$59,000 | $300,000 |
| Not applicable |
28 | $4,575,000 |
$163,000 | $307,000 |
$1,000 | $135,000 |
| Other |
18 | $1,495,000 |
$83,000 | $285,000 |
$50,000 | $174,000 |
| White |
2,428 | $187,791,000 |
$77,000 | $650,000 |
$57,000 | $1,399,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
2,745 | $213,334,000 |
$77,000 | $650,000 |
$54,000 | $1,399,000 |
| FHA-insured (Federal Housing Administration) |
1 | $74,000 |
$74,000 | $74,000 |
$24,000 | $24,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
27 | $2,621,000 |
$97,000 | $206,000 |
$36,000 | $63,000 |
| VA-guaranteed (Veterans Administration) |
13 | $1,767,000 |
$135,000 | $199,000 |
$66,000 | $132,000 |
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| Application Approved But Not Accepted |
221 | $11,371,000 |
$51,000 | $250,000 |
$50,000 | $229,000 |
| Application Denied By Financial Institution |
362 | $18,245,000 |
$50,000 | $261,000 |
$46,000 | $720,000 |
| Application Withdrawn By Applicant |
97 | $9,875,000 |
$101,000 | $322,000 |
$51,000 | $168,000 |
| File Closed For Incompleteness |
24 | $3,239,000 |
$134,000 | $360,000 |
$106,000 | $300,000 |
| Loan Originated |
2,082 | $175,066,000 |
$84,000 | $650,000 |
$58,000 | $1,399,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Collateral |
43 | $2,679,000 |
$62,000 | $238,000 |
$44,000 | $136,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
171 | $7,340,000 |
$42,000 | $155,000 |
$35,000 | $327,000 |
| Debt-To-Income Ratio |
122 | $6,850,000 |
$56,000 | $261,000 |
$36,000 | $142,000 |
| Employment History |
7 | $378,000 |
$54,000 | $157,000 |
$57,000 | $120,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $104,000 |
$104,000 | $104,000 |
$36,000 | $36,000 |
| Mortgage Insurance Denied |
1 | $25,000 |
$25,000 | $25,000 |
$25,000 | $25,000 |
| Other |
15 | $762,000 |
$50,000 | $140,000 |
$41,000 | $80,000 |
| Unverifiable Information |
2 | $107,000 |
$53,000 | $60,000 |
$387,000 | $720,000 |
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Mortgage Loan App Totals for FLORIDAFIRST BANK by:
Metropolitan Area And
County
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