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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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PROSPERITY BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
PROSPERITY BANK |
| Address | PO DRAWER 1690
ST. AUGUSTINE, FL 32085 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 901 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $167,112,000 |
| Average Mortgage Loan Amount Applied For | $203,500 |
| Highest Mortgage Loan Amount Applied For | $1,332,000 |
| Average Applicant Income | $112,590 |
| Highest Applicant Income | $1,340,000 |
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| Home Improvement |
15 | $414,000 |
$27,000 | $100,000 |
$53,000 | $129,000 |
| Home Purchase |
512 | $94,153,000 |
$183,000 | $1,300,000 |
$91,000 | $1,232,000 |
| Refinancing |
376 | $72,780,000 |
$193,000 | $1,332,000 |
$84,000 | $1,340,000 |
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| American Indian or Alaskan Native |
4 | $494,000 |
$123,000 | $238,000 |
$79,000 | $90,000 |
| Asian |
10 | $1,453,000 |
$145,000 | $378,000 |
$117,000 | $576,000 |
| Black or African American |
29 | $4,474,000 |
$154,000 | $417,000 |
$66,000 | $236,000 |
| Hispanic |
25 | $4,375,000 |
$175,000 | $536,000 |
$73,000 | $142,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
8 | $1,643,000 |
$205,000 | $360,000 |
$0 | $0 |
| Not Provided |
80 | $14,674,000 |
$183,000 | $1,100,000 |
$90,000 | $593,000 |
| White |
747 | $140,234,000 |
$187,000 | $1,332,000 |
$89,000 | $1,340,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
883 | $163,727,000 |
$185,000 | $1,332,000 |
$88,000 | $1,340,000 |
| FHA-insured (Federal Housing Administration) |
4 | $544,000 |
$136,000 | $158,000 |
$47,000 | $64,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
7 | $1,010,000 |
$144,000 | $165,000 |
$45,000 | $56,000 |
| VA-guaranteed (Veterans Administration) |
9 | $2,066,000 |
$229,000 | $322,000 |
$75,000 | $107,000 |
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| Application Approved But Not Accepted |
37 | $5,315,000 |
$143,000 | $365,000 |
$75,000 | $174,000 |
| Application Denied By Financial Institution |
54 | $8,479,000 |
$157,000 | $1,100,000 |
$79,000 | $593,000 |
| Application Withdrawn By Applicant |
131 | $24,646,000 |
$188,000 | $1,140,000 |
$82,000 | $428,000 |
| File Closed For Incompleteness |
15 | $5,723,000 |
$381,000 | $1,332,000 |
$155,000 | $1,340,000 |
| Loan Originated |
665 | $123,084,000 |
$185,000 | $1,300,000 |
$88,000 | $1,232,000 |
| 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 | $100,000 |
$100,000 | $100,000 |
$36,000 | $36,000 |
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| Collateral |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
21 | $2,093,000 |
$99,000 | $300,000 |
$59,000 | $147,000 |
| Debt-To-Income Ratio |
6 | $623,000 |
$103,000 | $200,000 |
$149,000 | $593,000 |
| Employment History |
1 | $154,000 |
$154,000 | $154,000 |
$66,000 | $66,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $390,000 |
$390,000 | $390,000 |
$138,000 | $138,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
16 | $4,027,000 |
$251,000 | $1,100,000 |
$91,000 | $499,000 |
| Unverifiable Information |
1 | $136,000 |
$136,000 | $136,000 |
$33,000 | $33,000 |
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Mortgage Loan App Totals for PROSPERITY BANK by:
Metropolitan Area And
County
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