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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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TEXAS CAPITAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
TEXAS CAPITAL BANK |
| Address | 2100 MCKINNEY AVE, SUITE 900
DALLAS, TX 75201 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 3,285 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $451,707,000 |
| Average Mortgage Loan Amount Applied For | $159,777 |
| Highest Mortgage Loan Amount Applied For | $2,900,000 |
| Average Applicant Income | $99,882 |
| Highest Applicant Income | $9,999,000 |
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| Home Improvement |
7 | $2,225,000 |
$317,000 | $500,000 |
$1,147,000 | $5,629,000 |
| Home Purchase |
2,504 | $318,613,000 |
$127,000 | $2,900,000 |
$109,000 | $9,999,000 |
| Refinancing |
774 | $130,869,000 |
$169,000 | $2,085,000 |
$108,000 | $7,200,000 |
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| American Indian or Alaskan Native |
11 | $1,084,000 |
$98,000 | $240,000 |
$82,000 | $238,000 |
| Asian |
82 | $10,533,000 |
$128,000 | $680,000 |
$89,000 | $318,000 |
| Black or African American |
368 | $42,611,000 |
$115,000 | $650,000 |
$85,000 | $571,000 |
| Hispanic |
368 | $44,829,000 |
$121,000 | $608,000 |
$78,000 | $2,021,000 |
| Native Hawaiin or Other Pacific Islander |
12 | $2,173,000 |
$181,000 | $400,000 |
$149,000 | $632,000 |
| Not applicable |
98 | $9,064,000 |
$92,000 | $520,000 |
$3,000 | $300,000 |
| Not Provided |
227 | $36,904,000 |
$162,000 | $2,900,000 |
$124,000 | $2,680,000 |
| White |
2,119 | $304,509,000 |
$143,000 | $2,200,000 |
$126,000 | $9,999,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
3,053 | $417,446,000 |
$136,000 | $2,900,000 |
$115,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) |
135 | $17,918,000 |
$132,000 | $289,000 |
$53,000 | $135,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
97 | $16,343,000 |
$168,000 | $316,000 |
$69,000 | $152,000 |
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| Application Approved But Not Accepted |
118 | $13,256,000 |
$112,000 | $468,000 |
$140,000 | $5,629,000 |
| Application Denied By Financial Institution |
96 | $13,803,000 |
$143,000 | $1,103,000 |
$61,000 | $420,000 |
| Application Withdrawn By Applicant |
383 | $59,092,000 |
$154,000 | $2,085,000 |
$130,000 | $7,200,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
2,688 | $365,556,000 |
$135,000 | $2,900,000 |
$109,000 | $9,999,000 |
| 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 |
16 | $3,022,000 |
$188,000 | $1,103,000 |
$92,000 | $420,000 |
| Credit Application Incomplete |
1 | $90,000 |
$90,000 | $90,000 |
$90,000 | $90,000 |
| Credit History |
37 | $5,242,000 |
$141,000 | $750,000 |
$61,000 | $195,000 |
| Debt-To-Income Ratio |
15 | $2,080,000 |
$138,000 | $297,000 |
$53,000 | $81,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
2 | $418,000 |
$209,000 | $236,000 |
$91,000 | $102,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
17 | $2,192,000 |
$128,000 | $348,000 |
$51,000 | $120,000 |
| Unverifiable Information |
8 | $759,000 |
$94,000 | $154,000 |
$22,000 | $57,000 |
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Mortgage Loan App Totals for TEXAS CAPITAL BANK by:
Metropolitan Area And
County
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