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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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OMNIAMERICAN BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
OMNIAMERICAN BANK |
| Address | 1320 S UNIVERSITY DRIVE
FORT WORTH, TX 76107 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2006 |
| Total Number of Mortgage Loan Applications Processed | 756 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $60,857,000 |
| Average Mortgage Loan Amount Applied For | $203,000 |
| Highest Mortgage Loan Amount Applied For | $3,729,000 |
| Average Applicant Income | $85,297 |
| Highest Applicant Income | $512,000 |
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| Home Improvement |
411 | $8,842,000 |
$21,000 | $963,000 |
$69,000 | $463,000 |
| Home Purchase |
212 | $36,084,000 |
$170,000 | $3,729,000 |
$92,000 | $502,000 |
| Refinancing |
133 | $15,931,000 |
$119,000 | $575,000 |
$80,000 | $512,000 |
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| American Indian or Alaskan Native |
3 | $173,000 |
$57,000 | $138,000 |
$91,000 | $120,000 |
| Asian |
15 | $2,663,000 |
$177,000 | $982,000 |
$68,000 | $416,000 |
| Black or African American |
29 | $1,689,000 |
$58,000 | $304,000 |
$64,000 | $212,000 |
| Hispanic |
68 | $3,637,000 |
$53,000 | $360,000 |
$58,000 | $304,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $177,000 |
$177,000 | $177,000 |
$75,000 | $75,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
120 | $6,415,000 |
$53,000 | $292,000 |
$68,000 | $179,000 |
| White |
520 | $46,103,000 |
$88,000 | $3,729,000 |
$83,000 | $512,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
744 | $59,584,000 |
$80,000 | $3,729,000 |
$78,000 | $512,000 |
| FHA-insured (Federal Housing Administration) |
6 | $531,000 |
$88,000 | $126,000 |
$81,000 | $144,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
6 | $742,000 |
$123,000 | $252,000 |
$52,000 | $80,000 |
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| Application Approved But Not Accepted |
27 | $1,814,000 |
$67,000 | $344,000 |
$87,000 | $198,000 |
| Application Denied By Financial Institution |
154 | $5,744,000 |
$37,000 | $339,000 |
$53,000 | $250,000 |
| Application Withdrawn By Applicant |
3 | $168,000 |
$56,000 | $118,000 |
$70,000 | $82,000 |
| File Closed For Incompleteness |
69 | $6,611,000 |
$95,000 | $300,000 |
$85,000 | $300,000 |
| Loan Originated |
503 | $46,520,000 |
$92,000 | $3,729,000 |
$84,000 | $512,000 |
| 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 |
10 | $860,000 |
$86,000 | $130,000 |
$91,000 | $250,000 |
| Credit Application Incomplete |
6 | $801,000 |
$133,000 | $209,000 |
$81,000 | $122,000 |
| Credit History |
113 | $3,099,000 |
$27,000 | $211,000 |
$47,000 | $118,000 |
| Debt-To-Income Ratio |
19 | $370,000 |
$19,000 | $87,000 |
$43,000 | $117,000 |
| Employment History |
1 | $82,000 |
$82,000 | $82,000 |
$96,000 | $96,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
3 | $396,000 |
$132,000 | $339,000 |
$144,000 | $198,000 |
| Unverifiable Information |
2 | $136,000 |
$68,000 | $135,000 |
$25,000 | $41,000 |
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Mortgage Loan App Totals for OMNIAMERICAN BANK by:
Metropolitan Area And
County
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