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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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THE B&T OF PUERTO RICO
Mortgage Loans and Application Details
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| Mortgage Company Name |
THE B&T OF PUERTO RICO |
| Address | BANKTRUST PLAZA SUITE 101
SAN JUAN, PR 00917-1914 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2003 |
| All Data Years | 2003 |
| Total Number of Mortgage Loan Applications Processed | 149 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $13,005,000 |
| Average Mortgage Loan Amount Applied For | $111,648 |
| Highest Mortgage Loan Amount Applied For | $755,000 |
| Average Applicant Income | $76,189 |
| Highest Applicant Income | $670,000 |
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| Home Improvement (one-to-four family) |
70 | $1,088,000 |
$15,000 | $100,000 |
$48,000 | $325,000 |
| Home Purchase (one-to-four family) |
24 | $4,072,000 |
$169,000 | $474,000 |
$86,000 | $280,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Refinancing (home purchase or home improvement, one-to-four family) |
55 | $7,845,000 |
$142,000 | $755,000 |
$94,000 | $670,000 |
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| American Indian or Alaskan Native |
2 | $373,000 |
$186,000 | $367,000 |
$83,000 | $145,000 |
| Asian or Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
142 | $12,278,000 |
$86,000 | $755,000 |
$77,000 | $670,000 |
| Information not provided by applicant in mail or telephone application |
4 | $344,000 |
$86,000 | $314,000 |
$45,000 | $92,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
1 | $10,000 |
$10,000 | $10,000 |
$110,000 | $110,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
149 | $13,005,000 |
$87,000 | $755,000 |
$76,000 | $670,000 |
| 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 |
1 | $14,000 |
$14,000 | $14,000 |
$34,000 | $34,000 |
| Application Denied By Financial Institution |
28 | $1,982,000 |
$70,000 | $474,000 |
$61,000 | $186,000 |
| Application Withdrawn By Applicant |
9 | $1,931,000 |
$214,000 | $500,000 |
$162,000 | $484,000 |
| File Closed For Incompleteness |
1 | $55,000 |
$55,000 | $55,000 |
$26,000 | $26,000 |
| Loan Originated |
77 | $6,849,000 |
$88,000 | $755,000 |
$98,000 | $670,000 |
| Loan Purchased By The Institution |
33 | $2,174,000 |
$65,000 | $148,000 |
$33,000 | $93,000 |
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| Collateral |
1 | $314,000 |
$314,000 | $314,000 |
$60,000 | $60,000 |
| Credit Application Incomplete |
1 | $150,000 |
$150,000 | $150,000 |
$140,000 | $140,000 |
| Credit History |
5 | $276,000 |
$55,000 | $220,000 |
$37,000 | $79,000 |
| Debt-To-Income Ratio |
18 | $1,217,000 |
$67,000 | $474,000 |
$71,000 | $186,000 |
| Employment History |
1 | $15,000 |
$15,000 | $15,000 |
$32,000 | $32,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
2 | $10,000 |
$5,000 | $5,000 |
$10,000 | $10,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for THE B&T OF PUERTO RICO by:
Metropolitan Area And
County
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