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| Location |
Laurens County SC
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| Year | 2005 |
| Data Years (click a year for detail) | 2003 2004 2005 2006 2007 2008 |
| Total Number of Mortgage Applications | 4,389 |
| Total Amount of All Mortgage Loans Applied For | $362,706,000 |
| Average Mortgage Loan Amount Applied For | $82,000 |
| Highest Mortgage Loan Amount Applied For | $875,000 |
| Average Applicant Income | $49,000 |
| Highest Applicant Income | $1,200,000 |
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| Home Improvement |
432 | $18,087,000 |
$41,000 | $554,000 |
$50,000 | $588,000 |
| Home Purchase |
1,627 | $128,057,000 |
$78,000 | $675,000 |
$46,000 | $478,000 |
| Refinancing |
2,330 | $216,562,000 |
$92,000 | $875,000 |
$51,000 | $1,200,000 |
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| American Indian or Alaskan Native |
13 | $1,037,000 |
$79,000 | $156,000 |
$41,000 | $68,000 |
| Asian |
9 | $1,031,000 |
$114,000 | $350,000 |
$54,000 | $180,000 |
| Black or African American |
703 | $48,947,000 |
$69,000 | $875,000 |
$42,000 | $469,000 |
| Hispanic |
62 | $3,991,000 |
$64,000 | $190,000 |
$44,000 | $180,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $86,000 |
$86,000 | $86,000 |
$61,000 | $61,000 |
| Not applicable |
405 | $32,461,000 |
$80,000 | $675,000 |
$8,000 | $197,000 |
| Not Provided |
657 | $57,101,000 |
$86,000 | $554,000 |
$47,000 | $732,000 |
| White |
2,539 | $218,052,000 |
$85,000 | $838,000 |
$57,000 | $1,200,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
4,227 | $348,299,000 |
$82,000 | $875,000 |
$50,000 | $1,200,000 |
| FHA-insured (Federal Housing Administration) |
135 | $11,901,000 |
$88,000 | $153,000 |
$30,000 | $150,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
6 | $482,000 |
$80,000 | $107,000 |
$35,000 | $47,000 |
| VA-guaranteed (Veterans Administration) |
21 | $2,024,000 |
$96,000 | $208,000 |
$22,000 | $69,000 |
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| Application Approved But Not Accepted |
339 | $25,949,000 |
$76,000 | $350,000 |
$53,000 | $445,000 |
| Application Denied By Financial Institution |
1,288 | $94,641,000 |
$73,000 | $875,000 |
$47,000 | $732,000 |
| Application Withdrawn By Applicant |
525 | $49,582,000 |
$94,000 | $554,000 |
$49,000 | $300,000 |
| File Closed For Incompleteness |
156 | $15,929,000 |
$102,000 | $345,000 |
$60,000 | $1,200,000 |
| Loan Originated |
1,519 | $128,131,000 |
$84,000 | $838,000 |
$55,000 | $552,000 |
| Loan Purchased By The Institution |
559 | $48,138,000 |
$86,000 | $670,000 |
$26,000 | $552,000 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
3 | $336,000 |
$112,000 | $130,000 |
$13,000 | $26,000 |
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| Collateral |
123 | $11,205,000 |
$91,000 | $350,000 |
$56,000 | $339,000 |
| Credit Application Incomplete |
72 | $6,638,000 |
$92,000 | $425,000 |
$53,000 | $180,000 |
| Credit History |
323 | $20,685,000 |
$64,000 | $300,000 |
$44,000 | $469,000 |
| Debt-To-Income Ratio |
58 | $5,114,000 |
$88,000 | $247,000 |
$37,000 | $194,000 |
| Employment History |
6 | $941,000 |
$156,000 | $360,000 |
$73,000 | $150,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
11 | $911,000 |
$82,000 | $160,000 |
$45,000 | $132,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
230 | $19,757,000 |
$85,000 | $426,000 |
$47,000 | $732,000 |
| Unverifiable Information |
12 | $949,000 |
$79,000 | $132,000 |
$42,000 | $94,000 |
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