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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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AMSOUTH BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
AMSOUTH BANK |
| Address | P.O. BOX 11007 - AC-10
BIRMINGHAM, AL 35288 |
| Agency | Federal Reserve System (FRS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 27,631 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $4,859,250,000 |
| Average Mortgage Loan Amount Applied For | $183,419 |
| Highest Mortgage Loan Amount Applied For | $8,600,000 |
| Average Applicant Income | $144,040 |
| Highest Applicant Income | $9,999,000 |
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| Home Improvement |
3,617 | $75,254,000 |
$20,000 | $2,500,000 |
$62,000 | $5,299,000 |
| Home Purchase |
15,407 | $3,303,394,000 |
$214,000 | $8,600,000 |
$122,000 | $9,999,000 |
| Refinancing |
10,643 | $1,816,288,000 |
$170,000 | $5,000,000 |
$100,000 | $4,294,000 |
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| American Indian or Alaskan Native |
84 | $11,728,000 |
$139,000 | $2,700,000 |
$77,000 | $914,000 |
| Asian |
509 | $101,970,000 |
$200,000 | $1,982,000 |
$112,000 | $2,847,000 |
| Black or African American |
3,462 | $333,769,000 |
$96,000 | $3,334,000 |
$57,000 | $6,000,000 |
| Hispanic |
1,293 | $234,291,000 |
$181,000 | $2,700,000 |
$88,000 | $2,040,000 |
| Native Hawaiin or Other Pacific Islander |
55 | $10,400,000 |
$189,000 | $548,000 |
$145,000 | $776,000 |
| Not applicable |
224 | $23,058,000 |
$102,000 | $700,000 |
$200,000 | $2,744,000 |
| Not Provided |
947 | $161,742,000 |
$170,000 | $5,445,000 |
$91,000 | $4,553,000 |
| White |
23,093 | $4,317,978,000 |
$186,000 | $8,600,000 |
$115,000 | $9,999,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
27,667 | $4,952,078,000 |
$178,000 | $8,600,000 |
$111,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) |
1,585 | $180,396,000 |
$113,000 | $278,000 |
$42,000 | $1,391,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
415 | $62,462,000 |
$150,000 | $417,000 |
$55,000 | $168,000 |
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| Application Approved But Not Accepted |
1,955 | $270,862,000 |
$138,000 | $4,280,000 |
$109,000 | $5,299,000 |
| Application Denied By Financial Institution |
5,706 | $612,319,000 |
$107,000 | $8,000,000 |
$72,000 | $4,553,000 |
| Application Withdrawn By Applicant |
129 | $33,917,000 |
$262,000 | $1,440,000 |
$120,000 | $799,000 |
| File Closed For Incompleteness |
3,012 | $725,071,000 |
$240,000 | $5,445,000 |
$121,000 | $6,914,000 |
| Loan Originated |
16,829 | $3,217,081,000 |
$191,000 | $8,600,000 |
$121,000 | $9,999,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
587 | $135,173,000 |
$230,000 | $2,600,000 |
$98,000 | $4,158,000 |
| Preapproval Denied by Financial Institution |
1,449 | $200,513,000 |
$138,000 | $5,600,000 |
$49,000 | $4,017,000 |
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| Collateral |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for AMSOUTH BANK by:
Metropolitan Area And
County
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