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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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WEST TEXAS NATIONAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
WEST TEXAS NATIONAL BANK |
| Address | 6 DESTA DR #2400
MIDLAND, TX 79705 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 69 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $4,115,000 |
| Average Mortgage Loan Amount Applied For | $50,142 |
| Highest Mortgage Loan Amount Applied For | $315,000 |
| Average Applicant Income | $125,571 |
| Highest Applicant Income | $701,000 |
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| Home Improvement |
9 | $389,000 |
$43,000 | $175,000 |
$129,000 | $336,000 |
| Home Purchase |
52 | $2,678,000 |
$51,000 | $225,000 |
$84,000 | $701,000 |
| Refinancing |
9 | $1,143,000 |
$127,000 | $315,000 |
$88,000 | $288,000 |
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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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
29 | $1,175,000 |
$40,000 | $112,000 |
$50,000 | $108,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
4 | $640,000 |
$160,000 | $315,000 |
$167,000 | $288,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
37 | $2,395,000 |
$64,000 | $225,000 |
$113,000 | $701,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
70 | $4,210,000 |
$60,000 | $315,000 |
$90,000 | $701,000 |
| 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 |
14 | $542,000 |
$38,000 | $112,000 |
$44,000 | $74,000 |
| Application Withdrawn By Applicant |
8 | $371,000 |
$46,000 | $84,000 |
$163,000 | $701,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
48 | $3,297,000 |
$68,000 | $315,000 |
$91,000 | $336,000 |
| 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 |
11 | $385,000 |
$35,000 | $88,000 |
$47,000 | $74,000 |
| Debt-To-Income Ratio |
1 | $112,000 |
$112,000 | $112,000 |
$26,000 | $26,000 |
| Employment History |
1 | $25,000 |
$25,000 | $25,000 |
$36,000 | $36,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $20,000 |
$20,000 | $20,000 |
$41,000 | $41,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for WEST TEXAS NATIONAL BANK by:
Metropolitan Area And
County
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