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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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TIB BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
TIB BANK |
| Address | PO BOX 2808
KEY LARGO, FL 33037 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 406 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $142,009,000 |
| Average Mortgage Loan Amount Applied For | $268,772 |
| Highest Mortgage Loan Amount Applied For | $4,200,000 |
| Average Applicant Income | $144,454 |
| Highest Applicant Income | $2,236,000 |
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| Home Improvement |
17 | $2,176,000 |
$128,000 | $425,000 |
$80,000 | $181,000 |
| Home Purchase |
288 | $107,547,000 |
$373,000 | $4,200,000 |
$189,000 | $2,236,000 |
| Refinancing |
102 | $32,324,000 |
$316,000 | $1,788,000 |
$139,000 | $1,534,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
2 | $405,000 |
$202,000 | $325,000 |
$115,000 | $181,000 |
| Hispanic |
37 | $12,758,000 |
$344,000 | $2,965,000 |
$135,000 | $688,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
16 | $12,812,000 |
$800,000 | $2,138,000 |
$13,000 | $223,000 |
| Not Provided |
13 | $3,161,000 |
$243,000 | $660,000 |
$135,000 | $689,000 |
| White |
339 | $112,911,000 |
$333,000 | $4,200,000 |
$185,000 | $2,236,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
406 | $141,787,000 |
$349,000 | $4,200,000 |
$171,000 | $2,236,000 |
| 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) |
1 | $260,000 |
$260,000 | $260,000 |
$300,000 | $300,000 |
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| Application Approved But Not Accepted |
15 | $3,452,000 |
$230,000 | $545,000 |
$116,000 | $305,000 |
| Application Denied By Financial Institution |
18 | $5,445,000 |
$302,000 | $1,200,000 |
$160,000 | $1,534,000 |
| Application Withdrawn By Applicant |
49 | $17,682,000 |
$360,000 | $1,788,000 |
$156,000 | $1,400,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
325 | $115,468,000 |
$355,000 | $4,200,000 |
$177,000 | $2,236,000 |
| 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 | $1,238,000 |
$619,000 | $1,200,000 |
$774,000 | $1,534,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
6 | $1,383,000 |
$230,000 | $392,000 |
$85,000 | $179,000 |
| Debt-To-Income Ratio |
6 | $1,212,000 |
$202,000 | $518,000 |
$55,000 | $169,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $288,000 |
$288,000 | $288,000 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
2 | $980,000 |
$490,000 | $510,000 |
$199,000 | $265,000 |
| Unverifiable Information |
1 | $344,000 |
$344,000 | $344,000 |
$89,000 | $89,000 |
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Mortgage Loan App Totals for TIB BANK by:
Metropolitan Area And
County
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