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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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1ST COMMUNITY BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
1ST COMMUNITY BANK |
| Address | 65 WASHINGTON STREET
FAIRBURN, GA 30213 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2003 |
| All Data Years | 2003 |
| Total Number of Mortgage Loan Applications Processed | 67 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $6,373,000 |
| Average Mortgage Loan Amount Applied For | $75,285 |
| Highest Mortgage Loan Amount Applied For | $533,000 |
| Average Applicant Income | $62,500 |
| Highest Applicant Income | $481,000 |
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| Home Improvement (one-to-four family) |
17 | $291,000 |
$20,500 | $41,000 |
$76,500 | $105,000 |
| Home Purchase (one-to-four family) |
27 | $3,330,000 |
$123,000 | $400,000 |
$70,000 | $481,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Refinancing (home purchase or home improvement, one-to-four family) |
24 | $2,777,000 |
$115,000 | $533,000 |
$91,000 | $295,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian or Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black |
7 | $593,000 |
$84,000 | $165,000 |
$93,000 | $210,000 |
| Hispanic |
1 | $82,000 |
$82,000 | $82,000 |
$35,000 | $35,000 |
| Information not provided by applicant in mail or telephone application |
2 | $183,000 |
$91,000 | $108,000 |
$82,000 | $111,000 |
| Not applicable |
20 | $1,759,000 |
$87,000 | $297,000 |
$12,000 | $114,000 |
| Other |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
38 | $3,781,000 |
$63,000 | $533,000 |
$93,500 | $481,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
68 | $6,398,000 |
$60,000 | $533,000 |
$84,000 | $481,000 |
| 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 | $69,000 |
$13,000 | $30,000 |
$38,000 | $53,000 |
| Application Withdrawn By Applicant |
1 | $52,000 |
$52,000 | $52,000 |
$49,000 | $49,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
62 | $6,277,000 |
$63,500 | $533,000 |
$86,500 | $481,000 |
| Loan Purchased By The 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 |
2 | $18,000 |
$9,000 | $16,000 |
$42,000 | $53,000 |
| Debt-To-Income Ratio |
2 | $50,000 |
$25,000 | $30,000 |
$22,000 | $28,000 |
| 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 |
1 | $1,000 |
$1,000 | $1,000 |
$48,000 | $48,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for 1ST COMMUNITY BANK by:
Metropolitan Area And
County
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