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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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ATLANTIC SOUTHERN BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
ATLANTIC SOUTHERN BANK |
| Address | 4077 FORSYTH ROAD
MACON, GA 31210 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 115 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $16,413,000 |
| Average Mortgage Loan Amount Applied For | $120,105 |
| Highest Mortgage Loan Amount Applied For | $1,350,000 |
| Average Applicant Income | $78,842 |
| Highest Applicant Income | $470,000 |
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| Home Improvement |
6 | $539,000 |
$89,000 | $400,000 |
$77,000 | $195,000 |
| Home Purchase |
63 | $8,452,000 |
$134,000 | $1,300,000 |
$47,000 | $275,000 |
| Refinancing |
46 | $7,422,000 |
$161,000 | $1,350,000 |
$71,000 | $470,000 |
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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 |
13 | $1,317,000 |
$101,000 | $305,000 |
$45,000 | $155,000 |
| Hispanic |
1 | $131,000 |
$131,000 | $131,000 |
$42,000 | $42,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
22 | $4,578,000 |
$208,000 | $1,350,000 |
$0 | $0 |
| Not Provided |
7 | $1,035,000 |
$147,000 | $575,000 |
$35,000 | $57,000 |
| White |
72 | $9,352,000 |
$129,000 | $500,000 |
$81,000 | $470,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
112 | $15,922,000 |
$142,000 | $1,350,000 |
$58,000 | $470,000 |
| FHA-insured (Federal Housing Administration) |
1 | $55,000 |
$55,000 | $55,000 |
$34,000 | $34,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
2 | $436,000 |
$218,000 | $305,000 |
$87,000 | $133,000 |
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| Application Approved But Not Accepted |
2 | $416,000 |
$208,000 | $284,000 |
$47,000 | $54,000 |
| Application Denied By Financial Institution |
11 | $1,447,000 |
$131,000 | $575,000 |
$32,000 | $94,000 |
| Application Withdrawn By Applicant |
22 | $3,805,000 |
$172,000 | $394,000 |
$60,000 | $174,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
80 | $10,745,000 |
$134,000 | $1,350,000 |
$61,000 | $470,000 |
| 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 |
6 | $1,259,000 |
$209,000 | $575,000 |
$20,000 | $41,000 |
| Debt-To-Income Ratio |
3 | $108,000 |
$36,000 | $76,000 |
$37,000 | $50,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $63,000 |
$63,000 | $63,000 |
$94,000 | $94,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
1 | $17,000 |
$17,000 | $17,000 |
$26,000 | $26,000 |
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Mortgage Loan App Totals for ATLANTIC SOUTHERN BANK by:
Metropolitan Area And
County
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