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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 OF THE SOUTH
Mortgage Loans and Application Details
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| Mortgage Company Name |
COMMUNITY BANK OF THE SOUTH |
| Address | 3016 ATLANTA ROAD
SMYRNA, GA 30080 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 149 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $23,796,000 |
| Average Mortgage Loan Amount Applied For | $144,416 |
| Highest Mortgage Loan Amount Applied For | $1,901,000 |
| Average Applicant Income | $47,416 |
| Highest Applicant Income | $1,280,000 |
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| Home Improvement |
12 | $608,000 |
$50,000 | $369,000 |
$77,000 | $302,000 |
| Home Purchase |
95 | $16,958,000 |
$178,000 | $1,901,000 |
$27,000 | $1,280,000 |
| Refinancing |
42 | $6,230,000 |
$148,000 | $1,373,000 |
$81,000 | $443,000 |
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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 |
3 | $36,000 |
$12,000 | $15,000 |
$19,000 | $35,000 |
| Hispanic |
1 | $79,000 |
$79,000 | $79,000 |
$142,000 | $142,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
96 | $15,741,000 |
$163,000 | $1,492,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
49 | $7,940,000 |
$162,000 | $1,901,000 |
$138,000 | $1,280,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
149 | $23,796,000 |
$159,000 | $1,901,000 |
$46,000 | $1,280,000 |
| 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 |
2 | $36,000 |
$18,000 | $30,000 |
$32,000 | $35,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
147 | $23,760,000 |
$161,000 | $1,901,000 |
$47,000 | $1,280,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
1 | $30,000 |
$30,000 | $30,000 |
$30,000 | $30,000 |
| Debt-To-Income Ratio |
1 | $6,000 |
$6,000 | $6,000 |
$35,000 | $35,000 |
| 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 COMMUNITY BANK OF THE SOUTH by:
Metropolitan Area And
County
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