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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 BLANCO NATIONAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
THE BLANCO NATIONAL BANK |
| Address | P O BOX 38
BLANCO, TX 78606 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 131 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $11,768,000 |
| Average Mortgage Loan Amount Applied For | $119,000 |
| Highest Mortgage Loan Amount Applied For | $522,000 |
| Average Applicant Income | $81,388 |
| Highest Applicant Income | $598,000 |
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| Home Improvement |
46 | $3,266,000 |
$71,000 | $522,000 |
$62,000 | $325,000 |
| Home Purchase |
58 | $6,466,000 |
$111,000 | $396,000 |
$82,000 | $598,000 |
| Refinancing |
30 | $2,376,000 |
$79,000 | $305,000 |
$57,000 | $190,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $129,000 |
$129,000 | $129,000 |
$134,000 | $134,000 |
| Black or African American |
1 | $250,000 |
$250,000 | $250,000 |
$81,000 | $81,000 |
| Hispanic |
34 | $1,653,000 |
$48,000 | $175,000 |
$39,000 | $88,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
1 | $127,000 |
$127,000 | $127,000 |
$85,000 | $85,000 |
| Not Provided |
6 | $911,000 |
$151,000 | $522,000 |
$93,000 | $232,000 |
| White |
91 | $9,038,000 |
$99,000 | $396,000 |
$78,000 | $598,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
134 | $12,108,000 |
$90,000 | $522,000 |
$69,000 | $598,000 |
| 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 |
7 | $1,023,000 |
$146,000 | $250,000 |
$56,000 | $103,000 |
| Application Denied By Financial Institution |
16 | $730,000 |
$45,000 | $95,000 |
$41,000 | $86,000 |
| Application Withdrawn By Applicant |
10 | $1,041,000 |
$104,000 | $200,000 |
$82,000 | $325,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
101 | $9,314,000 |
$92,000 | $522,000 |
$73,000 | $598,000 |
| 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 |
2 | $120,000 |
$60,000 | $95,000 |
$52,000 | $86,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
10 | $341,000 |
$34,000 | $73,000 |
$42,000 | $83,000 |
| Debt-To-Income Ratio |
2 | $170,000 |
$85,000 | $95,000 |
$25,000 | $28,000 |
| 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 | $99,000 |
$49,000 | $80,000 |
$37,000 | $37,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for THE BLANCO NATIONAL BANK by:
Metropolitan Area And
County
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