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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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FNB OF CENTRAL TEXAS
Mortgage Loans and Application Details
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| Mortgage Company Name |
FNB OF CENTRAL TEXAS |
| Address | 1835 N. VALLEY MILLS DRIVE
WACO, TX 76710 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 198 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $23,375,000 |
| Average Mortgage Loan Amount Applied For | $210,214 |
| Highest Mortgage Loan Amount Applied For | $1,704,000 |
| Average Applicant Income | $205,428 |
| Highest Applicant Income | $1,081,000 |
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| Home Improvement |
28 | $1,439,000 |
$51,000 | $275,000 |
$109,000 | $335,000 |
| Home Purchase |
153 | $20,852,000 |
$136,000 | $1,704,000 |
$129,000 | $1,081,000 |
| Refinancing |
19 | $1,278,000 |
$67,000 | $255,000 |
$91,000 | $473,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $33,000 |
$33,000 | $33,000 |
$308,000 | $308,000 |
| Black or African American |
3 | $157,000 |
$52,000 | $125,000 |
$73,000 | $141,000 |
| Hispanic |
27 | $1,554,000 |
$57,000 | $173,000 |
$66,000 | $262,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
1 | $20,000 |
$20,000 | $20,000 |
$216,000 | $216,000 |
| White |
168 | $21,805,000 |
$129,000 | $1,704,000 |
$130,000 | $1,081,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
200 | $23,569,000 |
$117,000 | $1,704,000 |
$122,000 | $1,081,000 |
| 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 |
3 | $205,000 |
$68,000 | $149,000 |
$62,000 | $126,000 |
| Application Denied By Financial Institution |
13 | $892,000 |
$68,000 | $130,000 |
$52,000 | $141,000 |
| Application Withdrawn By Applicant |
4 | $320,000 |
$80,000 | $240,000 |
$61,000 | $95,000 |
| File Closed For Incompleteness |
2 | $252,000 |
$126,000 | $200,000 |
$61,000 | $83,000 |
| Loan Originated |
176 | $21,706,000 |
$123,000 | $1,704,000 |
$131,000 | $1,081,000 |
| 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 |
2 | $194,000 |
$97,000 | $150,000 |
$75,000 | $109,000 |
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| Collateral |
1 | $44,000 |
$44,000 | $44,000 |
$41,000 | $41,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
8 | $686,000 |
$85,000 | $150,000 |
$59,000 | $141,000 |
| Debt-To-Income Ratio |
3 | $191,000 |
$63,000 | $108,000 |
$62,000 | $85,000 |
| Employment History |
1 | $15,000 |
$15,000 | $15,000 |
$57,000 | $57,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
2 | $150,000 |
$75,000 | $130,000 |
$34,000 | $42,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for FNB OF CENTRAL TEXAS by:
Metropolitan Area And
County
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