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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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PUBLIC BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
PUBLIC BANK |
| Address | 2500 13TH STREET
ST. CLOUD, FL 34769 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 152 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $29,875,000 |
| Average Mortgage Loan Amount Applied For | $256,636 |
| Highest Mortgage Loan Amount Applied For | $2,500,000 |
| Average Applicant Income | $110,272 |
| Highest Applicant Income | $2,254,000 |
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| Home Improvement |
35 | $2,533,000 |
$72,000 | $1,200,000 |
$43,000 | $160,000 |
| Home Purchase |
47 | $14,249,000 |
$303,000 | $2,500,000 |
$141,000 | $2,254,000 |
| Refinancing |
70 | $13,093,000 |
$187,000 | $2,100,000 |
$68,000 | $418,000 |
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| American Indian or Alaskan Native |
1 | $78,000 |
$78,000 | $78,000 |
$74,000 | $74,000 |
| Asian |
6 | $866,000 |
$144,000 | $200,000 |
$113,000 | $259,000 |
| Black or African American |
1 | $100,000 |
$100,000 | $100,000 |
$80,000 | $80,000 |
| Hispanic |
13 | $1,969,000 |
$151,000 | $356,000 |
$70,000 | $138,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $40,000 |
$40,000 | $40,000 |
$34,000 | $34,000 |
| Not applicable |
5 | $3,861,000 |
$772,000 | $2,100,000 |
$0 | $0 |
| Not Provided |
5 | $570,000 |
$114,000 | $175,000 |
$55,000 | $158,000 |
| White |
120 | $22,391,000 |
$186,000 | $2,500,000 |
$91,000 | $2,254,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
152 | $29,875,000 |
$196,000 | $2,500,000 |
$85,000 | $2,254,000 |
| 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 |
7 | $2,953,000 |
$421,000 | $2,500,000 |
$78,000 | $244,000 |
| Application Denied By Financial Institution |
18 | $949,000 |
$52,000 | $225,000 |
$53,000 | $159,000 |
| Application Withdrawn By Applicant |
22 | $5,228,000 |
$237,000 | $578,000 |
$71,000 | $185,000 |
| File Closed For Incompleteness |
1 | $350,000 |
$350,000 | $350,000 |
$235,000 | $235,000 |
| Loan Originated |
104 | $20,395,000 |
$196,000 | $2,100,000 |
$93,000 | $2,254,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
12 | $540,000 |
$45,000 | $150,000 |
$57,000 | $159,000 |
| Debt-To-Income Ratio |
5 | $399,000 |
$79,000 | $225,000 |
$45,000 | $151,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $10,000 |
$10,000 | $10,000 |
$54,000 | $54,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for PUBLIC BANK by:
Metropolitan Area And
County
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