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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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CAPITAL BANK AND TRUST COMPANY
Mortgage Loans and Application Details
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| Mortgage Company Name |
CAPITAL BANK AND TRUST COMPANY |
| Address | 1808 WEST END AVENUE, SUITE 600
NASHVILLE, TN 37203 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 338 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $70,270,000 |
| Average Mortgage Loan Amount Applied For | $358,882 |
| Highest Mortgage Loan Amount Applied For | $3,060,000 |
| Average Applicant Income | $172,058 |
| Highest Applicant Income | $1,085,000 |
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| Home Improvement |
44 | $12,165,000 |
$276,000 | $2,800,000 |
$126,000 | $524,000 |
| Home Purchase |
254 | $52,601,000 |
$207,000 | $3,060,000 |
$131,000 | $1,085,000 |
| Refinancing |
40 | $5,504,000 |
$137,000 | $995,000 |
$126,000 | $695,000 |
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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 |
42 | $4,755,000 |
$113,000 | $605,000 |
$150,000 | $427,000 |
| Hispanic |
16 | $2,048,000 |
$128,000 | $360,000 |
$88,000 | $336,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
53 | $15,065,000 |
$284,000 | $3,060,000 |
$0 | $0 |
| Not Provided |
2 | $569,000 |
$284,000 | $369,000 |
$127,000 | $160,000 |
| White |
225 | $47,833,000 |
$212,000 | $2,800,000 |
$160,000 | $1,085,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
338 | $70,270,000 |
$207,000 | $3,060,000 |
$130,000 | $1,085,000 |
| 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 |
22 | $6,986,000 |
$317,000 | $3,060,000 |
$116,000 | $1,020,000 |
| Application Denied By Financial Institution |
2 | $458,000 |
$229,000 | $250,000 |
$90,000 | $137,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
313 | $62,701,000 |
$200,000 | $2,800,000 |
$131,000 | $1,085,000 |
| Loan Purchased By The Institution |
1 | $125,000 |
$125,000 | $125,000 |
$56,000 | $56,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for CAPITAL BANK AND TRUST COMPANY by:
Metropolitan Area And
County
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