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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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VIEWPOINT BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
VIEWPOINT BANK |
| Address | 1201 W 15TH ST
PLANO, TX 75075 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2006 |
| Total Number of Mortgage Loan Applications Processed | 1,778 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $161,840,000 |
| Average Mortgage Loan Amount Applied For | $348,203 |
| Highest Mortgage Loan Amount Applied For | $11,250,000 |
| Average Applicant Income | $68,722 |
| Highest Applicant Income | $1,600,000 |
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| Home Improvement |
811 | $32,521,000 |
$40,000 | $503,000 |
$93,000 | $540,000 |
| Home Purchase |
723 | $99,564,000 |
$137,000 | $1,300,000 |
$78,000 | $1,600,000 |
| Refinancing |
409 | $49,923,000 |
$122,000 | $11,250,000 |
$76,000 | $450,000 |
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| American Indian or Alaskan Native |
13 | $1,032,000 |
$79,000 | $273,000 |
$67,000 | $146,000 |
| Asian |
89 | $9,068,000 |
$101,000 | $350,000 |
$75,000 | $231,000 |
| Black or African American |
95 | $9,429,000 |
$99,000 | $354,000 |
$69,000 | $504,000 |
| Hispanic |
160 | $13,249,000 |
$82,000 | $300,000 |
$63,000 | $265,000 |
| Native Hawaiin or Other Pacific Islander |
7 | $1,374,000 |
$196,000 | $417,000 |
$102,000 | $200,000 |
| Not applicable |
122 | $31,070,000 |
$254,000 | $11,250,000 |
$51,000 | $1,600,000 |
| Not Provided |
441 | $30,202,000 |
$68,000 | $460,000 |
$85,000 | $720,000 |
| White |
1,016 | $86,584,000 |
$85,000 | $503,000 |
$93,000 | $553,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,943 | $182,008,000 |
$93,000 | $11,250,000 |
$84,000 | $1,600,000 |
| 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 |
266 | $26,099,000 |
$98,000 | $417,000 |
$95,000 | $450,000 |
| Application Denied By Financial Institution |
527 | $34,763,000 |
$65,000 | $500,000 |
$79,000 | $540,000 |
| Application Withdrawn By Applicant |
46 | $2,415,000 |
$52,000 | $210,000 |
$54,000 | $400,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
818 | $78,743,000 |
$96,000 | $11,250,000 |
$95,000 | $553,000 |
| Loan Purchased By The Institution |
121 | $19,820,000 |
$163,000 | $1,300,000 |
$52,000 | $1,600,000 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
165 | $20,168,000 |
$122,000 | $300,000 |
$57,000 | $720,000 |
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| Collateral |
153 | $7,859,000 |
$51,000 | $300,000 |
$108,000 | $540,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
245 | $20,107,000 |
$82,000 | $300,000 |
$71,000 | $720,000 |
| Debt-To-Income Ratio |
207 | $19,485,000 |
$94,000 | $384,000 |
$48,000 | $200,000 |
| Employment History |
1 | $133,000 |
$133,000 | $133,000 |
$120,000 | $120,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
24 | $2,544,000 |
$106,000 | $200,000 |
$57,000 | $180,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
57 | $4,321,000 |
$75,000 | $500,000 |
$91,000 | $520,000 |
| Unverifiable Information |
5 | $482,000 |
$96,000 | $260,000 |
$77,000 | $130,000 |
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Mortgage Loan App Totals for VIEWPOINT BANK by:
Metropolitan Area And
County
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