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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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TEXSTAR BANK/FNB OF MONAHANS
Mortgage Loans and Application Details
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| Mortgage Company Name |
TEXSTAR BANK/FNB OF MONAHANS |
| Address | 600 N. MARIENFELD, STE. 100
MIDLAND, TX 79701 |
| 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 | 471 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $47,746,000 |
| Average Mortgage Loan Amount Applied For | $125,966 |
| Highest Mortgage Loan Amount Applied For | $930,000 |
| Average Applicant Income | $107,300 |
| Highest Applicant Income | $1,005,000 |
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| Home Improvement |
43 | $1,632,000 |
$37,000 | $600,000 |
$72,000 | $260,000 |
| Home Purchase |
413 | $46,315,000 |
$112,000 | $930,000 |
$113,000 | $1,000,000 |
| Refinancing |
69 | $11,125,000 |
$161,000 | $575,000 |
$166,000 | $1,005,000 |
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| American Indian or Alaskan Native |
2 | $246,000 |
$123,000 | $220,000 |
$61,000 | $75,000 |
| Asian |
3 | $302,000 |
$100,000 | $212,000 |
$136,000 | $193,000 |
| Black or African American |
5 | $61,000 |
$12,000 | $19,000 |
$486,000 | $783,000 |
| Hispanic |
73 | $5,875,000 |
$80,000 | $575,000 |
$77,000 | $630,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
60 | $3,306,000 |
$55,000 | $383,000 |
$141,000 | $1,000,000 |
| Not Provided |
2 | $54,000 |
$27,000 | $50,000 |
$37,000 | $50,000 |
| White |
380 | $49,228,000 |
$129,000 | $930,000 |
$116,000 | $1,005,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
514 | $58,095,000 |
$113,000 | $930,000 |
$118,000 | $1,005,000 |
| FHA-insured (Federal Housing Administration) |
9 | $780,000 |
$86,000 | $161,000 |
$47,000 | $82,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
2 | $197,000 |
$98,000 | $100,000 |
$57,000 | $85,000 |
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| Application Approved But Not Accepted |
2 | $189,000 |
$94,000 | $120,000 |
$47,000 | $50,000 |
| Application Denied By Financial Institution |
35 | $3,763,000 |
$107,000 | $930,000 |
$42,000 | $200,000 |
| Application Withdrawn By Applicant |
22 | $2,881,000 |
$130,000 | $575,000 |
$105,000 | $529,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
450 | $50,836,000 |
$112,000 | $802,000 |
$126,000 | $1,005,000 |
| Loan Purchased By The Institution |
16 | $1,403,000 |
$87,000 | $150,000 |
$54,000 | $139,000 |
| 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 |
1 | $156,000 |
$156,000 | $156,000 |
$95,000 | $95,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
30 | $2,386,000 |
$79,000 | $930,000 |
$36,000 | $82,000 |
| Debt-To-Income Ratio |
2 | $863,000 |
$431,000 | $825,000 |
$108,000 | $200,000 |
| 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 |
2 | $358,000 |
$179,000 | $208,000 |
$41,000 | $75,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for TEXSTAR BANK/FNB OF MONAHANS by:
Metropolitan Area And
County
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