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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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BANKSOUTH
Mortgage Loans and Application Details
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| Mortgage Company Name |
BANKSOUTH |
| Address | 200 NORTH EAST STREET
GREENSBORO, GA 30642 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 274 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $61,617,000 |
| Average Mortgage Loan Amount Applied For | $276,035 |
| Highest Mortgage Loan Amount Applied For | $3,567,000 |
| Average Applicant Income | $329,857 |
| Highest Applicant Income | $4,280,000 |
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| Home Improvement |
24 | $6,574,000 |
$273,000 | $3,567,000 |
$119,000 | $420,000 |
| Home Purchase |
158 | $39,022,000 |
$246,000 | $1,675,000 |
$207,000 | $4,280,000 |
| Refinancing |
169 | $41,154,000 |
$243,000 | $2,604,000 |
$168,000 | $1,820,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
2 | $650,000 |
$325,000 | $578,000 |
$530,000 | $530,000 |
| Black or African American |
22 | $1,769,000 |
$80,000 | $400,000 |
$58,000 | $228,000 |
| Hispanic |
4 | $388,000 |
$97,000 | $240,000 |
$72,000 | $183,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $515,000 |
$515,000 | $515,000 |
$638,000 | $638,000 |
| Not applicable |
7 | $2,735,000 |
$390,000 | $1,700,000 |
$0 | $0 |
| Not Provided |
2 | $530,000 |
$265,000 | $450,000 |
$129,000 | $181,000 |
| White |
313 | $80,163,000 |
$256,000 | $3,567,000 |
$193,000 | $4,280,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
351 | $86,750,000 |
$247,000 | $3,567,000 |
$182,000 | $4,280,000 |
| 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 |
1 | $59,000 |
$59,000 | $59,000 |
$35,000 | $35,000 |
| Application Denied By Financial Institution |
18 | $4,360,000 |
$242,000 | $1,370,000 |
$101,000 | $664,000 |
| Application Withdrawn By Applicant |
45 | $10,450,000 |
$232,000 | $649,000 |
$124,000 | $515,000 |
| File Closed For Incompleteness |
2 | $344,000 |
$172,000 | $240,000 |
$26,000 | $53,000 |
| Loan Originated |
284 | $71,398,000 |
$251,000 | $3,567,000 |
$199,000 | $4,280,000 |
| 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 |
1 | $139,000 |
$139,000 | $139,000 |
$16,000 | $16,000 |
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| Collateral |
2 | $123,000 |
$61,000 | $63,000 |
$44,000 | $60,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
12 | $1,877,000 |
$156,000 | $307,000 |
$61,000 | $128,000 |
| Debt-To-Income Ratio |
3 | $1,910,000 |
$636,000 | $1,370,000 |
$270,000 | $664,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
2 | $589,000 |
$294,000 | $450,000 |
$98,000 | $181,000 |
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Mortgage Loan App Totals for BANKSOUTH by:
Metropolitan Area And
County
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