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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 COMMERCE COMMUNITY BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST COMMERCE COMMUNITY BANK |
| Address | 9001 HOSPITAL DRIVE
DOUGLASVILLE, GA 30134 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 74 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $11,038,000 |
| Average Mortgage Loan Amount Applied For | $220,583 |
| Highest Mortgage Loan Amount Applied For | $960,000 |
| Average Applicant Income | $131,416 |
| Highest Applicant Income | $457,000 |
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| Home Improvement |
5 | $295,000 |
$59,000 | $140,000 |
$108,000 | $173,000 |
| Home Purchase |
31 | $4,243,000 |
$136,000 | $432,000 |
$91,000 | $457,000 |
| Refinancing |
38 | $6,500,000 |
$171,000 | $960,000 |
$80,000 | $292,000 |
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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 |
4 | $285,000 |
$71,000 | $113,000 |
$55,000 | $84,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
14 | $2,163,000 |
$154,000 | $328,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
56 | $8,590,000 |
$153,000 | $960,000 |
$111,000 | $457,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
74 | $11,038,000 |
$149,000 | $960,000 |
$87,000 | $457,000 |
| 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 |
3 | $95,000 |
$31,000 | $40,000 |
$46,000 | $84,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
71 | $10,943,000 |
$154,000 | $960,000 |
$88,000 | $457,000 |
| 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 |
2 | $60,000 |
$30,000 | $40,000 |
$27,000 | $28,000 |
| Debt-To-Income Ratio |
1 | $35,000 |
$35,000 | $35,000 |
$84,000 | $84,000 |
| 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 COMMERCE COMMUNITY BANK by:
Metropolitan Area And
County
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