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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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CALHOUN COUNTY BANK, INC
Mortgage Loans and Application Details
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| Mortgage Company Name |
CALHOUN COUNTY BANK, INC |
| Address | PO BOX 430
GRANTSVILLE, WV 26147 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 17 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $886,000 |
| Average Mortgage Loan Amount Applied For | $49,500 |
| Highest Mortgage Loan Amount Applied For | $141,000 |
| Average Applicant Income | $65,000 |
| Highest Applicant Income | $155,000 |
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| Home Improvement |
10 | $335,000 |
$33,000 | $71,000 |
$60,000 | $156,000 |
| Home Purchase |
102 | $5,194,000 |
$50,000 | $165,000 |
$50,000 | $278,000 |
| Refinancing |
106 | $4,302,000 |
$40,000 | $283,000 |
$44,000 | $175,000 |
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| American Indian or Alaskan Native |
1 | $17,000 |
$17,000 | $17,000 |
$15,000 | $15,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
6 | $431,000 |
$71,000 | $141,000 |
$94,000 | $175,000 |
| Not Provided |
1 | $43,000 |
$43,000 | $43,000 |
$31,000 | $31,000 |
| White |
210 | $9,340,000 |
$44,000 | $283,000 |
$47,000 | $278,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
218 | $9,831,000 |
$45,000 | $283,000 |
$48,000 | $278,000 |
| 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 |
37 | $1,746,000 |
$47,000 | $150,000 |
$33,000 | $77,000 |
| Application Withdrawn By Applicant |
7 | $415,000 |
$59,000 | $128,000 |
$54,000 | $132,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
174 | $7,670,000 |
$44,000 | $283,000 |
$50,000 | $278,000 |
| 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 |
4 | $82,000 |
$20,000 | $37,000 |
$27,000 | $55,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
22 | $1,039,000 |
$47,000 | $116,000 |
$32,000 | $63,000 |
| Debt-To-Income Ratio |
6 | $318,000 |
$53,000 | $150,000 |
$33,000 | $74,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $45,000 |
$45,000 | $45,000 |
$31,000 | $31,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
3 | $149,000 |
$49,000 | $129,000 |
$54,000 | $77,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for CALHOUN COUNTY BANK, INC by:
Metropolitan Area And
County
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