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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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CHURCH POINT BANK & TRUST CO.
Mortgage Loans and Application Details
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| Mortgage Company Name |
CHURCH POINT BANK & TRUST CO. |
| Address | P. O. BOX 100
CHURCH POINT, LA 70525 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2003 |
| All Data Years | 2003 |
| Total Number of Mortgage Loan Applications Processed | 75 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $3,481,000 |
| Average Mortgage Loan Amount Applied For | $49,125 |
| Highest Mortgage Loan Amount Applied For | $165,000 |
| Average Applicant Income | $43,750 |
| Highest Applicant Income | $210,000 |
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| Home Improvement (one-to-four family) |
11 | $473,000 |
$43,000 | $113,000 |
$67,000 | $210,000 |
| Home Purchase (one-to-four family) |
34 | $1,548,000 |
$40,000 | $158,000 |
$36,500 | $99,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Refinancing (home purchase or home improvement, one-to-four family) |
32 | $1,515,000 |
$47,000 | $165,000 |
$49,000 | $187,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian or Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black |
5 | $99,000 |
$19,000 | $57,000 |
$28,000 | $48,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Information not provided by applicant in mail or telephone application |
1 | $26,000 |
$26,000 | $26,000 |
$33,000 | $33,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
71 | $3,411,000 |
$41,500 | $165,000 |
$41,500 | $210,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
77 | $3,536,000 |
$40,500 | $165,000 |
$40,500 | $210,000 |
| 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 | $29,000 |
$29,000 | $29,000 |
$30,000 | $30,000 |
| Application Denied By Financial Institution |
12 | $428,000 |
$35,000 | $100,000 |
$30,000 | $60,000 |
| Application Withdrawn By Applicant |
8 | $399,000 |
$43,500 | $140,000 |
$39,000 | $60,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
56 | $2,680,000 |
$47,000 | $165,000 |
$56,000 | $210,000 |
| Loan Purchased By The 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 |
3 | $111,000 |
$37,000 | $60,000 |
$28,000 | $33,000 |
| Debt-To-Income Ratio |
2 | $125,000 |
$62,000 | $100,000 |
$24,000 | $25,000 |
| Employment History |
2 | $63,000 |
$31,000 | $33,000 |
$19,000 | $21,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
3 | $105,000 |
$35,000 | $45,000 |
$49,000 | $60,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for CHURCH POINT BANK & TRUST CO. by:
Metropolitan Area And
County
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