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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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HORIZON CAPITAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
HORIZON CAPITAL BANK |
| Address | 1021 MAIN STREET SUITE 100
HOUSTON, TX 77002 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2004 |
| All Data Years | 2003 2004 |
| Total Number of Mortgage Loan Applications Processed | 166 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $9,728,000 |
| Average Mortgage Loan Amount Applied For | $59,333 |
| Highest Mortgage Loan Amount Applied For | $380,000 |
| Average Applicant Income | $66,333 |
| Highest Applicant Income | $280,000 |
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| Home Improvement |
13 | $299,000 |
$23,000 | $50,000 |
$86,000 | $215,000 |
| Home Purchase |
141 | $8,504,000 |
$60,000 | $380,000 |
$41,000 | $275,000 |
| Refinancing |
12 | $925,000 |
$77,000 | $143,000 |
$57,000 | $280,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
3 | $181,000 |
$60,000 | $100,000 |
$42,000 | $120,000 |
| Hispanic |
140 | $7,667,000 |
$54,000 | $100,000 |
$33,000 | $275,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
23 | $1,880,000 |
$81,000 | $380,000 |
$105,000 | $280,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
166 | $9,728,000 |
$58,000 | $380,000 |
$57,000 | $280,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
19 | $1,006,000 |
$52,000 | $92,000 |
$28,000 | $84,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
147 | $8,722,000 |
$59,000 | $380,000 |
$74,000 | $280,000 |
| 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 |
1 | $92,000 |
$92,000 | $92,000 |
$34,000 | $34,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
12 | $487,000 |
$40,000 | $76,000 |
$24,000 | $46,000 |
| Debt-To-Income Ratio |
5 | $355,000 |
$71,000 | $85,000 |
$34,000 | $84,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $72,000 |
$72,000 | $72,000 |
$22,000 | $22,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for HORIZON CAPITAL BANK by:
Metropolitan Area And
County
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