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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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MIDSOUTH BANK, N.A.
Mortgage Loans and Application Details
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| Mortgage Company Name |
MIDSOUTH BANK, N.A. |
| Address | 102 VERSIALLES BLVD
LAFAYETTE, LA 70501 |
| 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 | 561 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $17,576,000 |
| Average Mortgage Loan Amount Applied For | $46,375 |
| Highest Mortgage Loan Amount Applied For | $574,000 |
| Average Applicant Income | $85,791 |
| Highest Applicant Income | $1,301,000 |
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| Home Improvement |
287 | $4,018,000 |
$14,000 | $148,000 |
$57,000 | $300,000 |
| Home Purchase |
233 | $9,196,000 |
$39,000 | $481,000 |
$54,000 | $572,000 |
| Refinancing |
273 | $13,538,000 |
$49,000 | $574,000 |
$83,000 | $1,301,000 |
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| American Indian or Alaskan Native |
5 | $184,000 |
$36,000 | $75,000 |
$29,000 | $48,000 |
| Asian |
6 | $152,000 |
$25,000 | $57,000 |
$41,000 | $60,000 |
| Black or African American |
165 | $3,910,000 |
$23,000 | $147,000 |
$47,000 | $204,000 |
| Hispanic |
11 | $292,000 |
$26,000 | $64,000 |
$50,000 | $86,000 |
| Native Hawaiin or Other Pacific Islander |
3 | $31,000 |
$10,000 | $18,000 |
$38,000 | $48,000 |
| Not applicable |
39 | $4,269,000 |
$109,000 | $500,000 |
$117,000 | $1,301,000 |
| Not Provided |
4 | $207,000 |
$51,000 | $90,000 |
$113,000 | $300,000 |
| White |
560 | $17,707,000 |
$31,000 | $574,000 |
$68,000 | $720,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
793 | $26,752,000 |
$33,000 | $574,000 |
$65,000 | $1,301,000 |
| 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 |
236 | $6,013,000 |
$25,000 | $201,000 |
$45,000 | $300,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
491 | $18,631,000 |
$37,000 | $574,000 |
$78,000 | $1,301,000 |
| 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 |
66 | $2,108,000 |
$31,000 | $182,000 |
$43,000 | $122,000 |
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| Collateral |
4 | $110,000 |
$27,000 | $32,000 |
$44,000 | $60,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
173 | $3,679,000 |
$21,000 | $201,000 |
$43,000 | $180,000 |
| Debt-To-Income Ratio |
102 | $3,813,000 |
$37,000 | $182,000 |
$48,000 | $300,000 |
| Employment History |
20 | $354,000 |
$17,000 | $50,000 |
$51,000 | $136,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
2 | $103,000 |
$51,000 | $69,000 |
$32,000 | $39,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $62,000 |
$62,000 | $62,000 |
$52,000 | $52,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for MIDSOUTH BANK, N.A. by:
Metropolitan Area And
County
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