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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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COMMUNITY BANK, N.A.
Mortgage Loans and Application Details
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| Mortgage Company Name |
COMMUNITY BANK, N.A. |
| Address | 6910 AIRWAYS BLVD
SOUTHAVEN, MS 38671 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2005 |
| All Data Years | 2003 2004 2005 |
| Total Number of Mortgage Loan Applications Processed | 270 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $25,974,000 |
| Average Mortgage Loan Amount Applied For | $80,541 |
| Highest Mortgage Loan Amount Applied For | $1,919,000 |
| Average Applicant Income | $65,750 |
| Highest Applicant Income | $1,975,000 |
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| Home Improvement |
53 | $1,462,000 |
$26,000 | $128,000 |
$95,500 | $157,000 |
| Home Purchase |
161 | $16,624,000 |
$93,500 | $600,000 |
$82,000 | $1,975,000 |
| Refinancing |
77 | $10,290,000 |
$149,333 | $1,919,000 |
$77,666 | $280,000 |
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| American Indian or Alaskan Native |
1 | $15,000 |
$15,000 | $15,000 |
$95,000 | $95,000 |
| Asian |
1 | $297,000 |
$297,000 | $297,000 |
$152,000 | $152,000 |
| Black or African American |
93 | $4,076,000 |
$112,750 | $466,000 |
$50,000 | $500,000 |
| Hispanic |
1 | $28,000 |
$28,000 | $28,000 |
$42,000 | $42,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
11 | $2,760,000 |
$227,666 | $1,919,000 |
$139,000 | $581,000 |
| Not Provided |
2 | $34,000 |
$17,000 | $19,000 |
$22,000 | $34,000 |
| White |
182 | $21,166,000 |
$108,500 | $600,000 |
$93,000 | $1,975,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
291 | $28,376,000 |
$93,500 | $1,919,000 |
$77,250 | $1,975,000 |
| 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 |
14 | $2,526,000 |
$213,000 | $306,000 |
$73,666 | $130,000 |
| Application Denied By Financial Institution |
30 | $1,136,000 |
$25,250 | $260,000 |
$48,000 | $124,000 |
| Application Withdrawn By Applicant |
11 | $2,097,000 |
$225,666 | $366,000 |
$93,000 | $200,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
235 | $22,367,000 |
$85,000 | $1,919,000 |
$102,666 | $1,975,000 |
| 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 | $250,000 |
$250,000 | $250,000 |
$58,000 | $58,000 |
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| Collateral |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
23 | $962,000 |
$26,250 | $260,000 |
$52,250 | $124,000 |
| Debt-To-Income Ratio |
6 | $157,000 |
$27,000 | $48,000 |
$24,500 | $57,000 |
| Employment History |
1 | $17,000 |
$17,000 | $17,000 |
$8,000 | $8,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $250,000 |
$250,000 | $250,000 |
$58,000 | $58,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for COMMUNITY BANK, N.A. by:
Metropolitan Area And
County
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