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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 BANK OF CHARLESTON
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST BANK OF CHARLESTON |
| Address | 201 PENNSYLVANIA AVE
CHARLESTON, WV 25302 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 106 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $11,792,000 |
| Average Mortgage Loan Amount Applied For | $136,480 |
| Highest Mortgage Loan Amount Applied For | $837,000 |
| Average Applicant Income | $110,800 |
| Highest Applicant Income | $1,000,000 |
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| Home Improvement |
5 | $73,000 |
$14,000 | $26,000 |
$47,000 | $82,000 |
| Home Purchase |
48 | $6,090,000 |
$126,000 | $800,000 |
$72,000 | $1,000,000 |
| Refinancing |
53 | $5,629,000 |
$106,000 | $837,000 |
$68,000 | $274,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $138,000 |
$138,000 | $138,000 |
$111,000 | $111,000 |
| Black or African American |
2 | $148,000 |
$74,000 | $83,000 |
$48,000 | $66,000 |
| Hispanic |
1 | $16,000 |
$16,000 | $16,000 |
$63,000 | $63,000 |
| Native Hawaiin or Other Pacific Islander |
2 | $212,000 |
$106,000 | $145,000 |
$55,000 | $80,000 |
| Not applicable |
19 | $4,046,000 |
$212,000 | $800,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
81 | $7,232,000 |
$89,000 | $837,000 |
$86,000 | $1,000,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
106 | $11,792,000 |
$111,000 | $837,000 |
$69,000 | $1,000,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
14 | $889,000 |
$63,000 | $145,000 |
$36,000 | $75,000 |
| Application Withdrawn By Applicant |
4 | $314,000 |
$78,000 | $150,000 |
$45,000 | $72,000 |
| File Closed For Incompleteness |
1 | $85,000 |
$85,000 | $85,000 |
$49,000 | $49,000 |
| Loan Originated |
87 | $10,504,000 |
$120,000 | $837,000 |
$75,000 | $1,000,000 |
| 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 |
1 | $75,000 |
$75,000 | $75,000 |
$54,000 | $54,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
10 | $606,000 |
$60,000 | $145,000 |
$34,000 | $75,000 |
| Debt-To-Income Ratio |
3 | $208,000 |
$69,000 | $138,000 |
$36,000 | $51,000 |
| 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 BANK OF CHARLESTON by:
Metropolitan Area And
County
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