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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 COMMUNITY BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST GEORGIA COMMUNITY BANK |
| Address | 150 COVINGTON STREET
JACKSON, GA 30233 |
| Agency | Federal Reserve System (FRS) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 122 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $17,762,000 |
| Average Mortgage Loan Amount Applied For | $212,684 |
| Highest Mortgage Loan Amount Applied For | $750,000 |
| Average Applicant Income | $38,842 |
| Highest Applicant Income | $152,000 |
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| Home Improvement |
4 | $116,000 |
$29,000 | $43,000 |
$7,000 | $15,000 |
| Home Purchase |
43 | $7,207,000 |
$167,000 | $750,000 |
$43,000 | $144,000 |
| Refinancing |
75 | $10,439,000 |
$139,000 | $532,000 |
$53,000 | $152,000 |
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| American Indian or Alaskan Native |
1 | $90,000 |
$90,000 | $90,000 |
$0 | $0 |
| Asian |
5 | $448,000 |
$89,000 | $166,000 |
$93,000 | $139,000 |
| Black or African American |
29 | $4,393,000 |
$151,000 | $750,000 |
$42,000 | $96,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
6 | $1,414,000 |
$235,000 | $680,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
81 | $11,417,000 |
$140,000 | $474,000 |
$52,000 | $152,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
122 | $17,762,000 |
$145,000 | $750,000 |
$48,000 | $152,000 |
| 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 |
11 | $2,019,000 |
$183,000 | $750,000 |
$35,000 | $78,000 |
| Application Withdrawn By Applicant |
13 | $1,067,000 |
$82,000 | $144,000 |
$46,000 | $96,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
98 | $14,676,000 |
$149,000 | $680,000 |
$50,000 | $152,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 COMMUNITY BANK by:
Metropolitan Area And
County
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