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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 GEORGIA BANKING COMPANY
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST GEORGIA BANKING COMPANY |
| Address | 100 TOM REEVE DRIVE
CARROLLTON, GA 30117 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 589 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $66,684,000 |
| Average Mortgage Loan Amount Applied For | $109,962 |
| Highest Mortgage Loan Amount Applied For | $1,300,000 |
| Average Applicant Income | $136,388 |
| Highest Applicant Income | $1,500,000 |
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| Home Improvement |
39 | $1,748,000 |
$44,000 | $296,000 |
$87,000 | $811,000 |
| Home Purchase |
258 | $34,235,000 |
$132,000 | $1,300,000 |
$141,000 | $1,500,000 |
| Refinancing |
292 | $30,701,000 |
$105,000 | $721,000 |
$102,000 | $671,000 |
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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 |
21 | $2,155,000 |
$102,000 | $396,000 |
$57,000 | $125,000 |
| Hispanic |
26 | $1,953,000 |
$75,000 | $176,000 |
$53,000 | $159,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
2 | $152,000 |
$76,000 | $128,000 |
$49,000 | $66,000 |
| White |
540 | $62,424,000 |
$115,000 | $1,300,000 |
$124,000 | $1,500,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
588 | $66,444,000 |
$113,000 | $1,300,000 |
$118,000 | $1,500,000 |
| 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) |
1 | $240,000 |
$240,000 | $240,000 |
$45,000 | $45,000 |
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| Application Approved But Not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
70 | $7,154,000 |
$102,000 | $348,000 |
$56,000 | $360,000 |
| Application Withdrawn By Applicant |
63 | $9,666,000 |
$153,000 | $615,000 |
$74,000 | $288,000 |
| File Closed For Incompleteness |
1 | $264,000 |
$264,000 | $264,000 |
$80,000 | $80,000 |
| Loan Originated |
455 | $49,600,000 |
$109,000 | $1,300,000 |
$134,000 | $1,500,000 |
| 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 |
11 | $848,000 |
$77,000 | $155,000 |
$42,000 | $112,000 |
| Debt-To-Income Ratio |
2 | $73,000 |
$36,000 | $70,000 |
$29,000 | $42,000 |
| 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 GEORGIA BANKING COMPANY by:
Metropolitan Area And
County
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