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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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CRESCENT BANK & TRUST
Mortgage Loans and Application Details
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| Mortgage Company Name |
CRESCENT BANK & TRUST |
| Address | P.O. BOX 668, 251 HWY 515
JASPER, GA 30143 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 362 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $46,908,000 |
| Average Mortgage Loan Amount Applied For | $277,137 |
| Highest Mortgage Loan Amount Applied For | $3,500,000 |
| Average Applicant Income | $212,758 |
| Highest Applicant Income | $1,992,000 |
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| Home Improvement |
19 | $990,000 |
$52,000 | $214,000 |
$73,000 | $372,000 |
| Home Purchase |
105 | $16,927,000 |
$161,000 | $1,650,000 |
$79,000 | $1,900,000 |
| Refinancing |
239 | $29,016,000 |
$121,000 | $3,500,000 |
$77,000 | $1,992,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $3,500,000 |
$3,500,000 | $3,500,000 |
$1,992,000 | $1,992,000 |
| Black or African American |
9 | $614,000 |
$68,000 | $175,000 |
$65,000 | $168,000 |
| Hispanic |
1 | $122,000 |
$122,000 | $122,000 |
$24,000 | $24,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
84 | $15,298,000 |
$182,000 | $2,189,000 |
$0 | $0 |
| Not Provided |
2 | $132,000 |
$66,000 | $75,000 |
$63,000 | $83,000 |
| White |
266 | $27,267,000 |
$102,000 | $900,000 |
$96,000 | $1,900,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
363 | $46,933,000 |
$129,000 | $3,500,000 |
$77,000 | $1,992,000 |
| 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 |
7 | $940,000 |
$134,000 | $206,000 |
$39,000 | $103,000 |
| Application Denied By Financial Institution |
26 | $2,164,000 |
$83,000 | $136,000 |
$39,000 | $98,000 |
| Application Withdrawn By Applicant |
34 | $5,757,000 |
$169,000 | $600,000 |
$68,000 | $125,000 |
| File Closed For Incompleteness |
23 | $3,222,000 |
$140,000 | $334,000 |
$41,000 | $87,000 |
| Loan Originated |
273 | $34,850,000 |
$127,000 | $3,500,000 |
$86,000 | $1,992,000 |
| 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 |
1 | $116,000 |
$116,000 | $116,000 |
$30,000 | $30,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
16 | $1,214,000 |
$75,000 | $136,000 |
$48,000 | $98,000 |
| Debt-To-Income Ratio |
6 | $553,000 |
$92,000 | $131,000 |
$25,000 | $57,000 |
| Employment History |
1 | $60,000 |
$60,000 | $60,000 |
$41,000 | $41,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $133,000 |
$133,000 | $133,000 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
1 | $88,000 |
$88,000 | $88,000 |
$36,000 | $36,000 |
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Mortgage Loan App Totals for CRESCENT BANK & TRUST by:
Metropolitan Area And
County
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