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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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VANGUARD BANK AND TRUST
Mortgage Loans and Application Details
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| Mortgage Company Name |
VANGUARD BANK AND TRUST |
| Address | 23 S JOHN SIMS PARKWAY
VALPARAISO, FL 32580 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 96 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $29,849,000 |
| Average Mortgage Loan Amount Applied For | $244,000 |
| Highest Mortgage Loan Amount Applied For | $7,000,000 |
| Average Applicant Income | $182,375 |
| Highest Applicant Income | $1,189,000 |
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| Home Improvement |
17 | $2,108,000 |
$124,000 | $956,000 |
$53,000 | $121,000 |
| Home Purchase |
49 | $10,172,000 |
$207,000 | $1,015,000 |
$112,000 | $844,000 |
| Refinancing |
30 | $17,569,000 |
$585,000 | $7,000,000 |
$129,000 | $1,189,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
3 | $198,000 |
$66,000 | $116,000 |
$173,000 | $445,000 |
| Black or African American |
3 | $118,000 |
$39,000 | $65,000 |
$51,000 | $73,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
22 | $12,352,000 |
$561,000 | $7,000,000 |
$41,000 | $230,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
68 | $17,181,000 |
$252,000 | $4,750,000 |
$128,000 | $1,189,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
96 | $29,849,000 |
$310,000 | $7,000,000 |
$107,000 | $1,189,000 |
| 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 |
5 | $375,000 |
$75,000 | $300,000 |
$42,000 | $71,000 |
| Application Withdrawn By Applicant |
1 | $468,000 |
$468,000 | $468,000 |
$143,000 | $143,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
90 | $29,006,000 |
$322,000 | $7,000,000 |
$110,000 | $1,189,000 |
| 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 |
3 | $70,000 |
$23,000 | $65,000 |
$34,000 | $51,000 |
| Debt-To-Income Ratio |
2 | $305,000 |
$152,000 | $300,000 |
$54,000 | $71,000 |
| 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 VANGUARD BANK AND TRUST by:
Metropolitan Area And
County
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