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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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NORTHSTAR BANK OF TEXAS
Mortgage Loans and Application Details
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| Mortgage Company Name |
NORTHSTAR BANK OF TEXAS |
| Address | 400 N CARROLL BLVD
DENTON, TX 76201 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 480 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $69,472,000 |
| Average Mortgage Loan Amount Applied For | $120,107 |
| Highest Mortgage Loan Amount Applied For | $1,900,000 |
| Average Applicant Income | $163,964 |
| Highest Applicant Income | $1,484,000 |
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| Home Improvement |
23 | $1,428,000 |
$62,000 | $500,000 |
$146,000 | $880,000 |
| Home Purchase |
363 | $51,125,000 |
$140,000 | $1,900,000 |
$122,000 | $1,484,000 |
| Refinancing |
94 | $16,919,000 |
$179,000 | $800,000 |
$145,000 | $1,102,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
7 | $1,559,000 |
$222,000 | $448,000 |
$236,000 | $574,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
13 | $1,331,000 |
$102,000 | $312,000 |
$66,000 | $339,000 |
| Native Hawaiin or Other Pacific Islander |
2 | $253,000 |
$126,000 | $176,000 |
$24,000 | $49,000 |
| Not applicable |
14 | $1,921,000 |
$137,000 | $500,000 |
$214,000 | $1,102,000 |
| Not Provided |
15 | $2,989,000 |
$199,000 | $680,000 |
$69,000 | $140,000 |
| White |
429 | $61,419,000 |
$143,000 | $1,900,000 |
$128,000 | $1,484,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
468 | $68,198,000 |
$145,000 | $1,900,000 |
$130,000 | $1,484,000 |
| FHA-insured (Federal Housing Administration) |
11 | $1,203,000 |
$109,000 | $176,000 |
$56,000 | $131,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
1 | $71,000 |
$71,000 | $71,000 |
$35,000 | $35,000 |
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| Application Approved But Not Accepted |
32 | $5,972,000 |
$186,000 | $1,445,000 |
$71,000 | $348,000 |
| Application Denied By Financial Institution |
19 | $1,710,000 |
$90,000 | $448,000 |
$56,000 | $181,000 |
| Application Withdrawn By Applicant |
24 | $4,392,000 |
$183,000 | $800,000 |
$101,000 | $827,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
404 | $57,312,000 |
$141,000 | $1,900,000 |
$138,000 | $1,484,000 |
| 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 |
1 | $86,000 |
$86,000 | $86,000 |
$39,000 | $39,000 |
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| Collateral |
1 | $71,000 |
$71,000 | $71,000 |
$41,000 | $41,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
9 | $532,000 |
$59,000 | $250,000 |
$52,000 | $181,000 |
| Debt-To-Income Ratio |
4 | $249,000 |
$62,000 | $113,000 |
$44,000 | $131,000 |
| Employment History |
2 | $560,000 |
$280,000 | $448,000 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
4 | $384,000 |
$96,000 | $196,000 |
$107,000 | $140,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for NORTHSTAR BANK OF TEXAS by:
Metropolitan Area And
County
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