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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 COMMUNITY BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST COMMUNITY BANK |
| Address | 5455 SUNSET BLVD
LEXINGTON, SC 29072 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 182 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $17,039,000 |
| Average Mortgage Loan Amount Applied For | $116,266 |
| Highest Mortgage Loan Amount Applied For | $1,200,000 |
| Average Applicant Income | $104,400 |
| Highest Applicant Income | $853,000 |
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| Home Improvement |
27 | $448,000 |
$16,000 | $70,000 |
$47,000 | $122,000 |
| Home Purchase |
84 | $8,978,000 |
$106,000 | $1,200,000 |
$65,000 | $853,000 |
| Refinancing |
78 | $8,165,000 |
$104,000 | $595,000 |
$90,000 | $832,000 |
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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 |
8 | $1,484,000 |
$185,000 | $1,200,000 |
$62,000 | $308,000 |
| Hispanic |
1 | $26,000 |
$26,000 | $26,000 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
41 | $3,607,000 |
$87,000 | $595,000 |
$0 | $0 |
| Not Provided |
6 | $552,000 |
$92,000 | $120,000 |
$28,000 | $44,000 |
| White |
133 | $11,922,000 |
$89,000 | $400,000 |
$99,000 | $853,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
189 | $17,591,000 |
$93,000 | $1,200,000 |
$73,000 | $853,000 |
| 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 |
1 | $10,000 |
$10,000 | $10,000 |
$50,000 | $50,000 |
| Application Denied By Financial Institution |
21 | $1,665,000 |
$79,000 | $337,000 |
$28,000 | $110,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
160 | $15,364,000 |
$96,000 | $1,200,000 |
$81,000 | $853,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
2 | $119,000 |
$59,000 | $60,000 |
$14,000 | $28,000 |
| Preapproval Denied by Financial Institution |
5 | $433,000 |
$86,000 | $100,000 |
$25,000 | $39,000 |
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| Collateral |
1 | $63,000 |
$63,000 | $63,000 |
$58,000 | $58,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
20 | $1,518,000 |
$75,000 | $234,000 |
$22,000 | $79,000 |
| Debt-To-Income Ratio |
5 | $517,000 |
$103,000 | $337,000 |
$42,000 | $110,000 |
| 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 COMMUNITY BANK by:
Metropolitan Area And
County
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