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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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COPIAH BANK, N.A.
Mortgage Loans and Application Details
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| Mortgage Company Name |
COPIAH BANK, N.A. |
| Address | P.O. BOX 31
HAZLEHURST, MS 39083 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 270 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $8,236,000 |
| Average Mortgage Loan Amount Applied For | $38,230 |
| Highest Mortgage Loan Amount Applied For | $240,000 |
| Average Applicant Income | $56,846 |
| Highest Applicant Income | $449,000 |
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| Home Improvement |
123 | $1,390,000 |
$11,000 | $121,000 |
$45,000 | $170,000 |
| Home Purchase |
77 | $3,071,000 |
$39,000 | $145,000 |
$65,000 | $449,000 |
| Refinancing |
70 | $3,775,000 |
$53,000 | $240,000 |
$75,000 | $301,000 |
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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 |
99 | $1,576,000 |
$15,000 | $122,000 |
$42,000 | $120,000 |
| Hispanic |
1 | $10,000 |
$10,000 | $10,000 |
$42,000 | $42,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
8 | $358,000 |
$44,000 | $119,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
162 | $6,292,000 |
$38,000 | $240,000 |
$72,000 | $449,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
270 | $8,236,000 |
$30,000 | $240,000 |
$58,000 | $449,000 |
| 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 | $30,000 |
$30,000 | $30,000 |
$39,000 | $39,000 |
| Application Denied By Financial Institution |
29 | $611,000 |
$21,000 | $240,000 |
$38,000 | $301,000 |
| Application Withdrawn By Applicant |
6 | $221,000 |
$36,000 | $104,000 |
$97,000 | $409,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
234 | $7,374,000 |
$31,000 | $179,000 |
$60,000 | $449,000 |
| 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 |
26 | $574,000 |
$22,000 | $240,000 |
$41,000 | $301,000 |
| Debt-To-Income Ratio |
2 | $17,000 |
$8,000 | $16,000 |
$10,000 | $13,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $20,000 |
$20,000 | $20,000 |
$16,000 | $16,000 |
| 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 COPIAH BANK, N.A. by:
Metropolitan Area And
County
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