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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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DARBY BANK & TRUST, CO.
Mortgage Loans and Application Details
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| Mortgage Company Name |
DARBY BANK & TRUST, CO. |
| Address | 300 EAST FIRST STREET
VIDALIA, GA 30474 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 450 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $65,423,000 |
| Average Mortgage Loan Amount Applied For | $175,875 |
| Highest Mortgage Loan Amount Applied For | $2,000,000 |
| Average Applicant Income | $81,666 |
| Highest Applicant Income | $2,000,000 |
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| Home Improvement |
24 | $1,648,000 |
$68,000 | $440,000 |
$58,000 | $198,000 |
| Home Purchase |
132 | $23,206,000 |
$175,000 | $1,481,000 |
$83,000 | $2,000,000 |
| Refinancing |
294 | $40,569,000 |
$137,000 | $2,000,000 |
$80,000 | $1,555,000 |
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| American Indian or Alaskan Native |
1 | $165,000 |
$165,000 | $165,000 |
$124,000 | $124,000 |
| Asian |
5 | $936,000 |
$187,000 | $655,000 |
$66,000 | $155,000 |
| Black or African American |
30 | $1,100,000 |
$36,000 | $120,000 |
$39,000 | $170,000 |
| Hispanic |
13 | $267,000 |
$20,000 | $60,000 |
$48,000 | $250,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $500,000 |
$500,000 | $500,000 |
$1,555,000 | $1,555,000 |
| Not applicable |
74 | $26,078,000 |
$352,000 | $2,000,000 |
$18,000 | $1,000,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
326 | $36,377,000 |
$111,000 | $1,000,000 |
$94,000 | $2,000,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
440 | $64,466,000 |
$146,000 | $2,000,000 |
$81,000 | $2,000,000 |
| FHA-insured (Federal Housing Administration) |
7 | $581,000 |
$83,000 | $102,000 |
$39,000 | $65,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
3 | $376,000 |
$125,000 | $168,000 |
$53,000 | $66,000 |
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| Application Approved But Not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
30 | $2,227,000 |
$74,000 | $361,000 |
$59,000 | $553,000 |
| Application Withdrawn By Applicant |
50 | $7,014,000 |
$140,000 | $450,000 |
$70,000 | $216,000 |
| File Closed For Incompleteness |
2 | $123,000 |
$61,000 | $93,000 |
$48,000 | $60,000 |
| Loan Originated |
368 | $56,059,000 |
$152,000 | $2,000,000 |
$83,000 | $2,000,000 |
| 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 |
2 | $100,000 |
$50,000 | $53,000 |
$35,000 | $41,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
22 | $1,368,000 |
$62,000 | $152,000 |
$63,000 | $553,000 |
| Debt-To-Income Ratio |
2 | $164,000 |
$82,000 | $130,000 |
$68,000 | $88,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $117,000 |
$117,000 | $117,000 |
$19,000 | $19,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
2 | $403,000 |
$201,000 | $361,000 |
$72,000 | $84,000 |
| Unverifiable Information |
1 | $75,000 |
$75,000 | $75,000 |
$20,000 | $20,000 |
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Mortgage Loan App Totals for DARBY BANK & TRUST, CO. by:
Metropolitan Area And
County
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