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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 & TRUST
Mortgage Loans and Application Details
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| Mortgage Company Name |
COMMUNITY BANK & TRUST |
| Address | 448 N MAIN ST
CORNELIA, GA 30531 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 1,450 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $166,839,000 |
| Average Mortgage Loan Amount Applied For | $183,480 |
| Highest Mortgage Loan Amount Applied For | $3,051,000 |
| Average Applicant Income | $92,920 |
| Highest Applicant Income | $7,200,000 |
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| Home Improvement |
146 | $8,845,000 |
$60,000 | $653,000 |
$56,000 | $456,000 |
| Home Purchase |
455 | $61,196,000 |
$134,000 | $3,051,000 |
$100,000 | $7,200,000 |
| Refinancing |
851 | $96,814,000 |
$113,000 | $3,018,000 |
$79,000 | $7,200,000 |
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| American Indian or Alaskan Native |
1 | $145,000 |
$145,000 | $145,000 |
$122,000 | $122,000 |
| Asian |
3 | $276,000 |
$92,000 | $126,000 |
$72,000 | $120,000 |
| Black or African American |
90 | $10,779,000 |
$119,000 | $1,496,000 |
$80,000 | $240,000 |
| Hispanic |
57 | $4,217,000 |
$73,000 | $303,000 |
$60,000 | $300,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
159 | $30,544,000 |
$192,000 | $3,018,000 |
$0 | $0 |
| Not Provided |
1 | $4,000 |
$4,000 | $4,000 |
$18,000 | $18,000 |
| White |
1,141 | $120,890,000 |
$105,000 | $3,051,000 |
$96,000 | $7,200,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,452 | $166,855,000 |
$114,000 | $3,051,000 |
$83,000 | $7,200,000 |
| 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 |
47 | $1,966,000 |
$41,000 | $245,000 |
$39,000 | $188,000 |
| Application Withdrawn By Applicant |
16 | $1,090,000 |
$68,000 | $179,000 |
$35,000 | $87,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
1,389 | $163,799,000 |
$117,000 | $3,051,000 |
$85,000 | $7,200,000 |
| 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 |
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 COMMUNITY BANK & TRUST by:
Metropolitan Area And
County
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