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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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BANK OF EARLY
Mortgage Loans and Application Details
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| Mortgage Company Name |
BANK OF EARLY |
| Address | 12347 COLUMBIA STREET
BLAKELY, GA 39823 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 115 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $9,634,000 |
| Average Mortgage Loan Amount Applied For | $149,235 |
| Highest Mortgage Loan Amount Applied For | $820,000 |
| Average Applicant Income | $69,941 |
| Highest Applicant Income | $767,000 |
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| Home Improvement |
12 | $69,000 |
$5,000 | $20,000 |
$28,000 | $86,000 |
| Home Purchase |
19 | $1,148,000 |
$60,000 | $367,000 |
$63,000 | $243,000 |
| Refinancing |
84 | $8,417,000 |
$100,000 | $820,000 |
$61,000 | $767,000 |
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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 |
33 | $685,000 |
$20,000 | $125,000 |
$29,000 | $96,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
7 | $1,873,000 |
$267,000 | $700,000 |
$0 | $0 |
| Not Provided |
1 | $40,000 |
$40,000 | $40,000 |
$44,000 | $44,000 |
| White |
74 | $7,036,000 |
$95,000 | $820,000 |
$76,000 | $767,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
115 | $9,634,000 |
$83,000 | $820,000 |
$58,000 | $767,000 |
| 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 |
15 | $498,000 |
$33,000 | $125,000 |
$37,000 | $96,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
100 | $9,136,000 |
$91,000 | $820,000 |
$61,000 | $767,000 |
| 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 |
11 | $381,000 |
$34,000 | $125,000 |
$41,000 | $96,000 |
| Debt-To-Income Ratio |
3 | $97,000 |
$32,000 | $46,000 |
$28,000 | $30,000 |
| Employment History |
1 | $20,000 |
$20,000 | $20,000 |
$15,000 | $15,000 |
| 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 BANK OF EARLY by:
Metropolitan Area And
County
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