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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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SYNERGY BANK, S.S.B.
Mortgage Loans and Application Details
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| Mortgage Company Name |
SYNERGY BANK, S.S.B. |
| Address | 510 N VALLEY MILLS DRIVE SUITE 100
WACO, TX 76710 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 38 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $6,695,000 |
| Average Mortgage Loan Amount Applied For | $225,739 |
| Highest Mortgage Loan Amount Applied For | $712,000 |
| Average Applicant Income | $160,130 |
| Highest Applicant Income | $603,000 |
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| Home Improvement |
5 | $294,000 |
$58,000 | $120,000 |
$107,000 | $256,000 |
| Home Purchase |
23 | $4,050,000 |
$176,000 | $712,000 |
$161,000 | $603,000 |
| Refinancing |
10 | $2,351,000 |
$235,000 | $500,000 |
$87,000 | $216,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $101,000 |
$101,000 | $101,000 |
$48,000 | $48,000 |
| Black or African American |
1 | $581,000 |
$581,000 | $581,000 |
$246,000 | $246,000 |
| Hispanic |
3 | $261,000 |
$87,000 | $119,000 |
$49,000 | $75,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
2 | $222,000 |
$111,000 | $136,000 |
$189,000 | $378,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
31 | $5,530,000 |
$178,000 | $712,000 |
$138,000 | $603,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
38 | $6,695,000 |
$176,000 | $712,000 |
$134,000 | $603,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
1 | $10,000 |
$10,000 | $10,000 |
$29,000 | $29,000 |
| Application Withdrawn By Applicant |
1 | $100,000 |
$100,000 | $100,000 |
$256,000 | $256,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
16 | $1,547,000 |
$96,000 | $300,000 |
$125,000 | $378,000 |
| Loan Purchased By The Institution |
20 | $5,038,000 |
$251,000 | $712,000 |
$141,000 | $603,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Debt-To-Income Ratio |
1 | $10,000 |
$10,000 | $10,000 |
$29,000 | $29,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for SYNERGY BANK, S.S.B. by:
Metropolitan Area And
County
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