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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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FROST NATIONAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
FROST NATIONAL BANK |
| Address | 100 W. HOUSTON RB-5
SAN ANTONIO, TX 78205 |
| 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 | 2,549 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $131,682,000 |
| Average Mortgage Loan Amount Applied For | $57,300 |
| Highest Mortgage Loan Amount Applied For | $5,000,000 |
| Average Applicant Income | $99,787 |
| Highest Applicant Income | $1,705,000 |
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| Home Improvement |
1,939 | $69,806,000 |
$36,000 | $1,000,000 |
$88,000 | $1,630,000 |
| Home Purchase |
160 | $26,336,000 |
$164,000 | $5,000,000 |
$157,000 | $1,705,000 |
| Refinancing |
450 | $35,540,000 |
$78,000 | $980,000 |
$86,000 | $893,000 |
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| American Indian or Alaskan Native |
7 | $246,000 |
$35,000 | $100,000 |
$63,000 | $173,000 |
| Asian |
24 | $841,000 |
$35,000 | $200,000 |
$74,000 | $350,000 |
| Black or African American |
93 | $2,279,000 |
$24,000 | $192,000 |
$55,000 | $438,000 |
| Hispanic |
862 | $25,243,000 |
$29,000 | $598,000 |
$57,000 | $1,705,000 |
| Native Hawaiin or Other Pacific Islander |
6 | $188,000 |
$31,000 | $126,000 |
$61,000 | $95,000 |
| Not applicable |
29 | $12,074,000 |
$416,000 | $5,000,000 |
$0 | $0 |
| Not Provided |
95 | $5,236,000 |
$55,000 | $653,000 |
$74,000 | $500,000 |
| White |
1,433 | $85,575,000 |
$59,000 | $1,000,000 |
$119,000 | $1,651,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
2,549 | $131,682,000 |
$51,000 | $5,000,000 |
$92,000 | $1,705,000 |
| 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 |
128 | $9,221,000 |
$72,000 | $980,000 |
$112,000 | $893,000 |
| Application Denied By Financial Institution |
1,117 | $35,360,000 |
$31,000 | $1,000,000 |
$64,000 | $1,630,000 |
| Application Withdrawn By Applicant |
16 | $1,068,000 |
$66,000 | $225,000 |
$145,000 | $836,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
1,288 | $86,033,000 |
$66,000 | $5,000,000 |
$113,000 | $1,705,000 |
| 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 |
17 | $765,000 |
$45,000 | $103,000 |
$93,000 | $235,000 |
| Credit Application Incomplete |
105 | $7,667,000 |
$73,000 | $1,000,000 |
$123,000 | $1,630,000 |
| Credit History |
725 | $17,141,000 |
$23,000 | $260,000 |
$58,000 | $500,000 |
| Debt-To-Income Ratio |
232 | $8,142,000 |
$35,000 | $477,000 |
$51,000 | $200,000 |
| Employment History |
5 | $248,000 |
$49,000 | $114,000 |
$61,000 | $102,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
30 | $1,245,000 |
$41,000 | $250,000 |
$93,000 | $200,000 |
| Unverifiable Information |
3 | $152,000 |
$50,000 | $77,000 |
$73,000 | $142,000 |
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Mortgage Loan App Totals for FROST NATIONAL BANK by:
Metropolitan Area And
County
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