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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 | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2004 |
| All Data Years | 2004 |
| Total Number of Mortgage Loan Applications Processed | 40 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $4,118,000 |
| Average Mortgage Loan Amount Applied For | $104,800 |
| Highest Mortgage Loan Amount Applied For | $630,000 |
| Average Applicant Income | $148,100 |
| Highest Applicant Income | $704,000 |
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| Home Improvement |
9 | $66,000 |
$7,000 | $20,000 |
$27,000 | $67,000 |
| Home Purchase |
13 | $2,701,000 |
$207,000 | $630,000 |
$185,000 | $704,000 |
| Refinancing |
18 | $1,351,000 |
$75,000 | $195,000 |
$158,000 | $704,000 |
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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 |
5 | $162,000 |
$32,000 | $145,000 |
$33,000 | $63,000 |
| Hispanic |
1 | $78,000 |
$78,000 | $78,000 |
$57,000 | $57,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
4 | $495,000 |
$123,000 | $170,000 |
$0 | $0 |
| Not Provided |
1 | $5,000 |
$5,000 | $5,000 |
$32,000 | $32,000 |
| White |
29 | $3,378,000 |
$116,000 | $630,000 |
$183,000 | $704,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
40 | $4,118,000 |
$102,000 | $630,000 |
$126,000 | $704,000 |
| 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 | $194,000 |
$38,000 | $145,000 |
$29,000 | $45,000 |
| Application Withdrawn By Applicant |
2 | $220,000 |
$110,000 | $120,000 |
$76,000 | $89,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
33 | $3,704,000 |
$112,000 | $630,000 |
$159,000 | $704,000 |
| 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 |
2 | $3,000 |
$1,000 | $2,000 |
$24,000 | $34,000 |
| Debt-To-Income Ratio |
2 | $46,000 |
$23,000 | $41,000 |
$28,000 | $32,000 |
| 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 | $145,000 |
$145,000 | $145,000 |
$45,000 | $45,000 |
| 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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