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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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MORTGAGE ONE OF THE SOUTH
Mortgage Loans and Application Details
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| Mortgage Company Name |
MORTGAGE ONE OF THE SOUTH |
| Address | 15 NE EGLIN PARKWAY
FORT WALTON BEACH, FL 32548 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2006 |
| Total Number of Mortgage Loan Applications Processed | 407 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $80,532,000 |
| Average Mortgage Loan Amount Applied For | $199,000 |
| Highest Mortgage Loan Amount Applied For | $800,000 |
| Average Applicant Income | $77,241 |
| Highest Applicant Income | $600,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
289 | $60,691,000 |
$210,000 | $800,000 |
$80,000 | $551,000 |
| Refinancing |
118 | $19,841,000 |
$168,000 | $660,000 |
$77,000 | $600,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
5 | $1,036,000 |
$207,000 | $292,000 |
$72,000 | $115,000 |
| Black or African American |
16 | $2,757,000 |
$172,000 | $381,000 |
$66,000 | $200,000 |
| Hispanic |
9 | $1,817,000 |
$201,000 | $318,000 |
$56,000 | $89,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
26 | $4,937,000 |
$189,000 | $448,000 |
$94,000 | $600,000 |
| White |
351 | $69,985,000 |
$199,000 | $800,000 |
$79,000 | $513,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
318 | $61,033,000 |
$191,000 | $800,000 |
$83,000 | $600,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
7 | $1,169,000 |
$167,000 | $289,000 |
$43,000 | $72,000 |
| VA-guaranteed (Veterans Administration) |
82 | $18,330,000 |
$223,000 | $355,000 |
$67,000 | $136,000 |
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| Application Approved But Not Accepted |
39 | $7,542,000 |
$193,000 | $520,000 |
$65,000 | $192,000 |
| Application Denied By Financial Institution |
25 | $4,635,000 |
$185,000 | $385,000 |
$62,000 | $551,000 |
| Application Withdrawn By Applicant |
19 | $4,883,000 |
$257,000 | $800,000 |
$87,000 | $224,000 |
| File Closed For Incompleteness |
2 | $460,000 |
$230,000 | $279,000 |
$15,000 | $30,000 |
| Loan Originated |
322 | $63,012,000 |
$195,000 | $660,000 |
$82,000 | $600,000 |
| 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 |
4 | $612,000 |
$153,000 | $245,000 |
$27,000 | $44,000 |
| Credit Application Incomplete |
2 | $504,000 |
$252,000 | $279,000 |
$322,000 | $551,000 |
| Credit History |
8 | $1,601,000 |
$200,000 | $385,000 |
$49,000 | $101,000 |
| Debt-To-Income Ratio |
5 | $984,000 |
$196,000 | $267,000 |
$59,000 | $86,000 |
| Employment History |
3 | $405,000 |
$135,000 | $195,000 |
$17,000 | $29,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
3 | $529,000 |
$176,000 | $246,000 |
$19,000 | $38,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for MORTGAGE ONE OF THE SOUTH by:
Metropolitan Area And
County
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