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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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FIRST AMERICAN BANK & TRUST CO
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST AMERICAN BANK & TRUST CO |
| Address | PO BOX 1688
ATHENS, GA 30603 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 220 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $33,154,000 |
| Average Mortgage Loan Amount Applied For | $162,947 |
| Highest Mortgage Loan Amount Applied For | $2,850,000 |
| Average Applicant Income | $115,368 |
| Highest Applicant Income | $2,124,000 |
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| Home Improvement |
34 | $381,000 |
$11,000 | $100,000 |
$44,000 | $196,000 |
| Home Purchase |
75 | $11,102,000 |
$148,000 | $751,000 |
$114,000 | $428,000 |
| Refinancing |
111 | $21,671,000 |
$195,000 | $2,850,000 |
$151,000 | $2,124,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
4 | $713,000 |
$178,000 | $417,000 |
$217,000 | $340,000 |
| Black or African American |
25 | $1,411,000 |
$56,000 | $529,000 |
$37,000 | $122,000 |
| Hispanic |
8 | $307,000 |
$38,000 | $117,000 |
$38,000 | $60,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
22 | $5,991,000 |
$272,000 | $2,850,000 |
$6,000 | $108,000 |
| Not Provided |
2 | $254,000 |
$127,000 | $178,000 |
$39,000 | $59,000 |
| White |
159 | $24,478,000 |
$153,000 | $2,000,000 |
$154,000 | $2,124,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
215 | $32,534,000 |
$151,000 | $2,850,000 |
$124,000 | $2,124,000 |
| FHA-insured (Federal Housing Administration) |
5 | $620,000 |
$124,000 | $178,000 |
$47,000 | $73,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
13 | $990,000 |
$76,000 | $186,000 |
$34,000 | $60,000 |
| Application Withdrawn By Applicant |
10 | $1,452,000 |
$145,000 | $253,000 |
$101,000 | $321,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
197 | $30,712,000 |
$155,000 | $2,850,000 |
$129,000 | $2,124,000 |
| 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 |
7 | $669,000 |
$95,000 | $186,000 |
$40,000 | $60,000 |
| Debt-To-Income Ratio |
6 | $321,000 |
$53,000 | $102,000 |
$27,000 | $45,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 FIRST AMERICAN BANK & TRUST CO by:
Metropolitan Area And
County
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