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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 BANKS OF SOUTHERN CO
Mortgage Loans and Application Details
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| Mortgage Company Name |
COMMUNITY BANKS OF SOUTHERN CO |
| Address | 401 N MAIN
PUEBLO, CO 81003 |
| Agency | Federal Reserve System (FRS) |
| Year | 2004 |
| All Data Years | 2003 2004 |
| Total Number of Mortgage Loan Applications Processed | 61 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $2,799,000 |
| Average Mortgage Loan Amount Applied For | $33,571 |
| Highest Mortgage Loan Amount Applied For | $300,000 |
| Average Applicant Income | $44,571 |
| Highest Applicant Income | $202,000 |
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| Home Improvement |
28 | $1,193,000 |
$42,000 | $300,000 |
$38,000 | $202,000 |
| Home Purchase |
23 | $1,168,000 |
$50,000 | $148,000 |
$55,000 | $148,000 |
| Refinancing |
10 | $438,000 |
$43,000 | $84,000 |
$24,000 | $72,000 |
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| American Indian or Alaskan Native |
2 | $55,000 |
$27,000 | $40,000 |
$104,000 | $148,000 |
| Asian |
1 | $36,000 |
$36,000 | $36,000 |
$70,000 | $70,000 |
| Black or African American |
1 | $22,000 |
$22,000 | $22,000 |
$36,000 | $36,000 |
| Hispanic |
19 | $846,000 |
$44,000 | $300,000 |
$28,000 | $202,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
1 | $16,000 |
$16,000 | $16,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
37 | $1,824,000 |
$49,000 | $225,000 |
$43,000 | $130,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
61 | $2,799,000 |
$45,000 | $300,000 |
$41,000 | $202,000 |
| 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 |
3 | $232,000 |
$77,000 | $148,000 |
$53,000 | $78,000 |
| Application Denied By Financial Institution |
17 | $582,000 |
$34,000 | $130,000 |
$29,000 | $57,000 |
| Application Withdrawn By Applicant |
2 | $48,000 |
$24,000 | $38,000 |
$23,000 | $24,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
39 | $1,937,000 |
$49,000 | $300,000 |
$48,000 | $202,000 |
| 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 BANKS OF SOUTHERN CO by:
Metropolitan Area And
County
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