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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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DOUGLAS COUNTY BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
DOUGLAS COUNTY BANK |
| Address | 6157 FAIRBURN ROAD
DOUGLASVILLE, GA 30135 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 263 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $30,734,000 |
| Average Mortgage Loan Amount Applied For | $171,952 |
| Highest Mortgage Loan Amount Applied For | $1,000,000 |
| Average Applicant Income | $333,380 |
| Highest Applicant Income | $5,672,000 |
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| Home Improvement |
9 | $392,000 |
$43,000 | $110,000 |
$38,000 | $135,000 |
| Home Purchase |
100 | $15,178,000 |
$151,000 | $1,000,000 |
$112,000 | $5,672,000 |
| Refinancing |
154 | $15,164,000 |
$98,000 | $639,000 |
$69,000 | $696,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
2 | $98,000 |
$49,000 | $54,000 |
$53,000 | $84,000 |
| Black or African American |
5 | $394,000 |
$78,000 | $195,000 |
$134,000 | $547,000 |
| Hispanic |
2 | $278,000 |
$139,000 | $205,000 |
$47,000 | $82,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
62 | $8,363,000 |
$134,000 | $1,000,000 |
$0 | $0 |
| Not Provided |
46 | $7,049,000 |
$153,000 | $640,000 |
$88,000 | $259,000 |
| White |
146 | $14,552,000 |
$99,000 | $840,000 |
$119,000 | $5,672,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
261 | $30,456,000 |
$116,000 | $1,000,000 |
$85,000 | $5,672,000 |
| FHA-insured (Federal Housing Administration) |
2 | $278,000 |
$139,000 | $213,000 |
$62,000 | $70,000 |
| 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 |
10 | $1,388,000 |
$138,000 | $317,000 |
$61,000 | $141,000 |
| Application Denied By Financial Institution |
21 | $2,801,000 |
$133,000 | $635,000 |
$97,000 | $259,000 |
| Application Withdrawn By Applicant |
13 | $3,234,000 |
$248,000 | $788,000 |
$528,000 | $5,672,000 |
| File Closed For Incompleteness |
14 | $1,506,000 |
$107,000 | $362,000 |
$44,000 | $192,000 |
| Loan Originated |
205 | $21,805,000 |
$106,000 | $1,000,000 |
$59,000 | $696,000 |
| 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 |
6 | $718,000 |
$119,000 | $264,000 |
$185,000 | $259,000 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $188,000 |
$188,000 | $188,000 |
$107,000 | $107,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
2 | $715,000 |
$357,000 | $635,000 |
$145,000 | $180,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for DOUGLAS COUNTY BANK by:
Metropolitan Area And
County
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