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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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INTERNATIONAL BANK OF COMMERCE
Mortgage Loans and Application Details
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| Mortgage Company Name |
INTERNATIONAL BANK OF COMMERCE |
| Address | 1200 SAN BERNARDO AVE.
LAREDO, TX 78040 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 8,863 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $453,134,000 |
| Average Mortgage Loan Amount Applied For | $44,855 |
| Highest Mortgage Loan Amount Applied For | $5,159,000 |
| Average Applicant Income | $92,728 |
| Highest Applicant Income | $5,303,000 |
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| Home Improvement |
636 | $23,026,000 |
$36,000 | $705,000 |
$72,000 | $5,000,000 |
| Home Purchase |
7,362 | $361,964,000 |
$49,000 | $2,900,000 |
$100,000 | $5,303,000 |
| Refinancing |
936 | $75,846,000 |
$81,000 | $5,159,000 |
$91,000 | $5,300,000 |
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| American Indian or Alaskan Native |
68 | $2,654,000 |
$39,000 | $227,000 |
$62,000 | $198,000 |
| Asian |
632 | $23,636,000 |
$37,000 | $350,000 |
$95,000 | $860,000 |
| Black or African American |
423 | $16,667,000 |
$39,000 | $209,000 |
$87,000 | $396,000 |
| Hispanic |
2,171 | $143,012,000 |
$65,000 | $1,340,000 |
$79,000 | $4,525,000 |
| Native Hawaiin or Other Pacific Islander |
20 | $778,000 |
$38,000 | $100,000 |
$118,000 | $900,000 |
| Not applicable |
47 | $23,018,000 |
$489,000 | $5,159,000 |
$19,000 | $263,000 |
| Not Provided |
49 | $5,451,000 |
$111,000 | $500,000 |
$60,000 | $363,000 |
| White |
5,524 | $245,620,000 |
$44,000 | $5,000,000 |
$106,000 | $5,303,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
8,934 | $460,836,000 |
$51,000 | $5,159,000 |
$97,000 | $5,303,000 |
| 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 |
1,614 | $80,907,000 |
$50,000 | $1,340,000 |
$101,000 | $964,000 |
| Application Denied By Financial Institution |
1,810 | $78,218,000 |
$43,000 | $450,000 |
$82,000 | $900,000 |
| Application Withdrawn By Applicant |
185 | $12,415,000 |
$67,000 | $2,000,000 |
$113,000 | $1,400,000 |
| File Closed For Incompleteness |
24 | $2,122,000 |
$88,000 | $279,000 |
$59,000 | $200,000 |
| Loan Originated |
4,960 | $257,552,000 |
$51,000 | $5,159,000 |
$104,000 | $5,303,000 |
| Loan Purchased By The Institution |
270 | $21,920,000 |
$81,000 | $160,000 |
$40,000 | $204,000 |
| Preapproval Approved but not Accepted |
8 | $1,398,000 |
$174,000 | $300,000 |
$90,000 | $165,000 |
| Preapproval Denied by Financial Institution |
63 | $6,304,000 |
$100,000 | $495,000 |
$47,000 | $240,000 |
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| Collateral |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for INTERNATIONAL BANK OF COMMERCE by:
Metropolitan Area And
County
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