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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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LONE STAR NATIONAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
LONE STAR NATIONAL BANK |
| Address | 206 W. FERGUSON AVE
PHARR, TX 78577 |
| 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 | 456 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $37,013,000 |
| Average Mortgage Loan Amount Applied For | $35,100 |
| Highest Mortgage Loan Amount Applied For | $2,500,000 |
| Average Applicant Income | $51,000 |
| Highest Applicant Income | $1,129,000 |
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| Home Improvement |
255 | $4,174,000 |
$16,000 | $860,000 |
$45,000 | $1,061,000 |
| Home Purchase |
168 | $25,955,000 |
$154,000 | $2,500,000 |
$111,000 | $1,129,000 |
| Refinancing |
33 | $6,884,000 |
$208,000 | $1,364,000 |
$100,000 | $852,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $98,000 |
$98,000 | $98,000 |
$177,000 | $177,000 |
| Black or African American |
1 | $187,000 |
$187,000 | $187,000 |
$132,000 | $132,000 |
| Hispanic |
396 | $24,086,000 |
$60,000 | $1,121,000 |
$68,000 | $1,129,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
22 | $8,947,000 |
$406,000 | $2,500,000 |
$167,000 | $852,000 |
| Not Provided |
1 | $12,000 |
$12,000 | $12,000 |
$56,000 | $56,000 |
| White |
35 | $3,683,000 |
$105,000 | $600,000 |
$69,000 | $266,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
455 | $37,002,000 |
$81,000 | $2,500,000 |
$74,000 | $1,129,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
1 | $11,000 |
$11,000 | $11,000 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
4 | $1,204,000 |
$301,000 | $1,000,000 |
$57,000 | $192,000 |
| Application Denied By Financial Institution |
78 | $2,185,000 |
$28,000 | $383,000 |
$26,000 | $108,000 |
| Application Withdrawn By Applicant |
11 | $599,000 |
$54,000 | $161,000 |
$59,000 | $231,000 |
| File Closed For Incompleteness |
1 | $49,000 |
$49,000 | $49,000 |
$12,000 | $12,000 |
| Loan Originated |
362 | $32,976,000 |
$91,000 | $2,500,000 |
$84,000 | $1,129,000 |
| 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 |
2 | $218,000 |
$109,000 | $210,000 |
$33,000 | $38,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
56 | $1,548,000 |
$27,000 | $383,000 |
$25,000 | $82,000 |
| Debt-To-Income Ratio |
15 | $322,000 |
$21,000 | $112,000 |
$22,000 | $47,000 |
| Employment History |
2 | $65,000 |
$32,000 | $60,000 |
$20,000 | $24,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
2 | $17,000 |
$8,000 | $15,000 |
$27,000 | $28,000 |
| Unverifiable Information |
1 | $15,000 |
$15,000 | $15,000 |
$108,000 | $108,000 |
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Mortgage Loan App Totals for LONE STAR NATIONAL BANK by:
Metropolitan Area And
County
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