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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 BANK AND TRUST, S.S.B.
Mortgage Loans and Application Details
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| Mortgage Company Name |
THE BANK AND TRUST, S.S.B. |
| Address | 1200 VETERANS BLVD
DEL RIO, TX 78840 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2006 |
| Total Number of Mortgage Loan Applications Processed | 181 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $18,585,000 |
| Average Mortgage Loan Amount Applied For | $136,833 |
| Highest Mortgage Loan Amount Applied For | $2,500,000 |
| Average Applicant Income | $237,055 |
| Highest Applicant Income | $1,224,000 |
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| Home Improvement |
25 | $1,261,000 |
$50,000 | $136,000 |
$85,000 | $585,000 |
| Home Purchase |
106 | $10,190,000 |
$96,000 | $450,000 |
$115,000 | $1,224,000 |
| Refinancing |
51 | $7,154,000 |
$140,000 | $2,500,000 |
$72,000 | $500,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $203,000 |
$203,000 | $203,000 |
$240,000 | $240,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
61 | $4,468,000 |
$73,000 | $285,000 |
$80,000 | $540,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
2 | $2,716,000 |
$1,358,000 | $2,500,000 |
$0 | $0 |
| Not Provided |
2 | $96,000 |
$48,000 | $60,000 |
$10,000 | $21,000 |
| White |
116 | $11,122,000 |
$95,000 | $450,000 |
$111,000 | $1,224,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
182 | $18,605,000 |
$102,000 | $2,500,000 |
$99,000 | $1,224,000 |
| 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 |
11 | $697,000 |
$63,000 | $218,000 |
$23,000 | $64,000 |
| Application Withdrawn By Applicant |
2 | $274,000 |
$137,000 | $150,000 |
$45,000 | $91,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
169 | $17,634,000 |
$104,000 | $2,500,000 |
$105,000 | $1,224,000 |
| 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 |
8 | $351,000 |
$43,000 | $120,000 |
$18,000 | $49,000 |
| Debt-To-Income Ratio |
2 | $128,000 |
$64,000 | $83,000 |
$22,000 | $31,000 |
| 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 THE BANK AND TRUST, S.S.B. by:
Metropolitan Area And
County
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