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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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CENTURY BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
CENTURY BANK |
| Address | P O BOX 647
LUCEDALE, MS 39452 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 243 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $7,094,000 |
| Average Mortgage Loan Amount Applied For | $34,571 |
| Highest Mortgage Loan Amount Applied For | $202,000 |
| Average Applicant Income | $55,714 |
| Highest Applicant Income | $300,000 |
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| Home Improvement |
138 | $2,226,000 |
$16,000 | $144,000 |
$53,000 | $300,000 |
| Home Purchase |
84 | $3,409,000 |
$40,000 | $202,000 |
$61,000 | $174,000 |
| Refinancing |
22 | $1,507,000 |
$68,000 | $120,000 |
$51,000 | $123,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $20,000 |
$20,000 | $20,000 |
$72,000 | $72,000 |
| Black or African American |
12 | $138,000 |
$11,000 | $60,000 |
$38,000 | $123,000 |
| Hispanic |
2 | $56,000 |
$28,000 | $40,000 |
$81,000 | $132,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
229 | $6,928,000 |
$30,000 | $202,000 |
$56,000 | $300,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
244 | $7,142,000 |
$29,000 | $202,000 |
$55,000 | $300,000 |
| 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 |
40 | $2,023,000 |
$50,000 | $145,000 |
$30,000 | $70,000 |
| Application Withdrawn By Applicant |
7 | $246,000 |
$35,000 | $127,000 |
$41,000 | $72,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
197 | $4,873,000 |
$24,000 | $202,000 |
$61,000 | $300,000 |
| 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 |
1 | $5,000 |
$5,000 | $5,000 |
$41,000 | $41,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
33 | $1,805,000 |
$54,000 | $145,000 |
$30,000 | $70,000 |
| Debt-To-Income Ratio |
5 | $208,000 |
$41,000 | $78,000 |
$25,000 | $40,000 |
| Employment History |
1 | $5,000 |
$5,000 | $5,000 |
$45,000 | $45,000 |
| 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 CENTURY BANK by:
Metropolitan Area And
County
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