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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 THE SOUTH
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST BANK OF THE SOUTH |
| Address | 2230 RIVERSIDE PARKWAY
LAWRENCEVILLE, GA 30043 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 34 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $13,941,000 |
| Average Mortgage Loan Amount Applied For | $467,545 |
| Highest Mortgage Loan Amount Applied For | $2,527,000 |
| Average Applicant Income | $90,818 |
| Highest Applicant Income | $873,000 |
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| Home Improvement |
2 | $206,000 |
$103,000 | $200,000 |
$454,000 | $873,000 |
| Home Purchase |
10 | $3,225,000 |
$322,000 | $1,461,000 |
$62,000 | $172,000 |
| Refinancing |
22 | $10,510,000 |
$477,000 | $2,527,000 |
$90,000 | $499,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
15 | $7,955,000 |
$530,000 | $2,527,000 |
$0 | $0 |
| Not Provided |
2 | $246,000 |
$123,000 | $180,000 |
$109,000 | $175,000 |
| White |
17 | $5,740,000 |
$337,000 | $1,400,000 |
$194,000 | $873,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
34 | $13,941,000 |
$410,000 | $2,527,000 |
$103,000 | $873,000 |
| 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 |
2 | $186,000 |
$93,000 | $180,000 |
$39,000 | $44,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
32 | $13,755,000 |
$429,000 | $2,527,000 |
$107,000 | $873,000 |
| 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 |
1 | $180,000 |
$180,000 | $180,000 |
$44,000 | $44,000 |
| Debt-To-Income Ratio |
1 | $6,000 |
$6,000 | $6,000 |
$35,000 | $35,000 |
| 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 THE SOUTH by:
Metropolitan Area And
County
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