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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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EBANK MORTGAGE LLC
Mortgage Loans and Application Details
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| Mortgage Company Name |
EBANK MORTGAGE LLC |
| Address | 2401 LAKE PARK DRIVE, SUITE 200
SMYRNA, GA 30080 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2006 |
| Total Number of Mortgage Loan Applications Processed | 238 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $53,921,000 |
| Average Mortgage Loan Amount Applied For | $219,877 |
| Highest Mortgage Loan Amount Applied For | $800,000 |
| Average Applicant Income | $104,664 |
| Highest Applicant Income | $687,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
119 | $25,431,000 |
$213,000 | $800,000 |
$117,000 | $687,000 |
| Refinancing |
119 | $28,490,000 |
$239,000 | $542,000 |
$97,000 | $276,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
16 | $3,620,000 |
$226,000 | $355,000 |
$118,000 | $305,000 |
| Black or African American |
8 | $1,898,000 |
$237,000 | $475,000 |
$133,000 | $336,000 |
| Hispanic |
7 | $2,160,000 |
$308,000 | $800,000 |
$125,000 | $328,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $295,000 |
$295,000 | $295,000 |
$66,000 | $66,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
57 | $13,367,000 |
$234,000 | $540,000 |
$113,000 | $687,000 |
| White |
149 | $32,581,000 |
$218,000 | $542,000 |
$101,000 | $276,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
238 | $53,921,000 |
$226,000 | $800,000 |
$107,000 | $687,000 |
| 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 |
58 | $13,863,000 |
$239,000 | $800,000 |
$121,000 | $687,000 |
| Application Denied By Financial Institution |
17 | $3,813,000 |
$224,000 | $540,000 |
$107,000 | $206,000 |
| Application Withdrawn By Applicant |
18 | $4,217,000 |
$234,000 | $475,000 |
$120,000 | $336,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
145 | $32,028,000 |
$220,000 | $542,000 |
$99,000 | $276,000 |
| 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 |
4 | $823,000 |
$205,000 | $361,000 |
$119,000 | $167,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
6 | $1,194,000 |
$199,000 | $387,000 |
$84,000 | $147,000 |
| Debt-To-Income Ratio |
3 | $1,133,000 |
$377,000 | $540,000 |
$86,000 | $102,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $177,000 |
$177,000 | $177,000 |
$169,000 | $169,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
2 | $287,000 |
$143,000 | $182,000 |
$110,000 | $111,000 |
| Unverifiable Information |
1 | $199,000 |
$199,000 | $199,000 |
$206,000 | $206,000 |
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Mortgage Loan App Totals for EBANK MORTGAGE LLC by:
Metropolitan Area And
County
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