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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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VALRICO STATE BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
VALRICO STATE BANK |
| Address | 1815 EAST STATE ROAD 60
VALRICO, FL 33594 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 89 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $9,713,000 |
| Average Mortgage Loan Amount Applied For | $322,250 |
| Highest Mortgage Loan Amount Applied For | $840,000 |
| Average Applicant Income | $126,000 |
| Highest Applicant Income | $3,174,000 |
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| Home Improvement |
27 | $1,379,000 |
$51,000 | $300,000 |
$74,000 | $854,000 |
| Home Purchase |
28 | $4,896,000 |
$174,000 | $840,000 |
$174,000 | $2,579,000 |
| Refinancing |
36 | $3,593,000 |
$99,000 | $380,000 |
$214,000 | $3,174,000 |
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| American Indian or Alaskan Native |
1 | $7,000 |
$7,000 | $7,000 |
$11,000 | $11,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
1 | $50,000 |
$50,000 | $50,000 |
$95,000 | $95,000 |
| Hispanic |
8 | $583,000 |
$72,000 | $262,000 |
$33,000 | $56,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
6 | $1,348,000 |
$224,000 | $840,000 |
$595,000 | $2,579,000 |
| Not Provided |
1 | $40,000 |
$40,000 | $40,000 |
$43,000 | $43,000 |
| White |
74 | $7,840,000 |
$105,000 | $700,000 |
$143,000 | $3,174,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
91 | $9,868,000 |
$108,000 | $840,000 |
$160,000 | $3,174,000 |
| 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 |
2 | $467,000 |
$233,000 | $300,000 |
$470,000 | $854,000 |
| Application Denied By Financial Institution |
21 | $1,930,000 |
$91,000 | $425,000 |
$33,000 | $93,000 |
| Application Withdrawn By Applicant |
3 | $294,000 |
$98,000 | $160,000 |
$132,000 | $321,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
65 | $7,177,000 |
$110,000 | $840,000 |
$192,000 | $3,174,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 VALRICO STATE BANK by:
Metropolitan Area And
County
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