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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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AUBURNBANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
AUBURNBANK |
| Address | 100 N GAY STREET
AUBURN, AL 36830 |
| Agency | Federal Reserve System (FRS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 819 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $107,622,000 |
| Average Mortgage Loan Amount Applied For | $146,361 |
| Highest Mortgage Loan Amount Applied For | $1,363,000 |
| Average Applicant Income | $109,166 |
| Highest Applicant Income | $964,000 |
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| Home Improvement |
57 | $1,554,000 |
$27,000 | $383,000 |
$86,000 | $731,000 |
| Home Purchase |
569 | $79,599,000 |
$139,000 | $1,050,000 |
$93,000 | $917,000 |
| Refinancing |
193 | $26,469,000 |
$137,000 | $1,363,000 |
$98,000 | $964,000 |
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| American Indian or Alaskan Native |
1 | $5,000 |
$5,000 | $5,000 |
$67,000 | $67,000 |
| Asian |
15 | $3,101,000 |
$206,000 | $599,000 |
$166,000 | $917,000 |
| Black or African American |
67 | $5,697,000 |
$85,000 | $376,000 |
$57,000 | $436,000 |
| Hispanic |
14 | $1,806,000 |
$129,000 | $314,000 |
$65,000 | $155,000 |
| Native Hawaiin or Other Pacific Islander |
2 | $463,000 |
$231,000 | $318,000 |
$145,000 | $146,000 |
| Not applicable |
16 | $4,871,000 |
$304,000 | $1,087,000 |
$107,000 | $328,000 |
| Not Provided |
3 | $48,000 |
$16,000 | $40,000 |
$29,000 | $46,000 |
| White |
701 | $91,631,000 |
$130,000 | $1,363,000 |
$96,000 | $964,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
733 | $96,873,000 |
$132,000 | $1,363,000 |
$99,000 | $964,000 |
| FHA-insured (Federal Housing Administration) |
49 | $4,919,000 |
$100,000 | $192,000 |
$42,000 | $94,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
37 | $5,830,000 |
$157,000 | $314,000 |
$62,000 | $155,000 |
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| Application Approved But Not Accepted |
11 | $1,385,000 |
$125,000 | $259,000 |
$66,000 | $171,000 |
| Application Denied By Financial Institution |
25 | $943,000 |
$37,000 | $143,000 |
$36,000 | $124,000 |
| Application Withdrawn By Applicant |
3 | $360,000 |
$120,000 | $242,000 |
$93,000 | $151,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
780 | $104,934,000 |
$134,000 | $1,363,000 |
$96,000 | $964,000 |
| 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 |
19 | $592,000 |
$31,000 | $143,000 |
$41,000 | $124,000 |
| Debt-To-Income Ratio |
5 | $316,000 |
$63,000 | $95,000 |
$20,000 | $36,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $35,000 |
$35,000 | $35,000 |
$21,000 | $21,000 |
| 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 AUBURNBANK by:
Metropolitan Area And
County
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