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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 GUARANTY BK & TRUST CO
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST GUARANTY BK & TRUST CO |
| Address | 1234 KING STREET
JACKSONVILLE, FL 32204 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 136 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $34,201,000 |
| Average Mortgage Loan Amount Applied For | $385,142 |
| Highest Mortgage Loan Amount Applied For | $5,000,000 |
| Average Applicant Income | $59,428 |
| Highest Applicant Income | $1,020,000 |
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| Home Improvement |
25 | $1,607,000 |
$64,000 | $458,000 |
$91,000 | $1,020,000 |
| Home Purchase |
74 | $25,069,000 |
$338,000 | $5,000,000 |
$75,000 | $513,000 |
| Refinancing |
37 | $7,525,000 |
$203,000 | $927,000 |
$73,000 | $477,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
7 | $3,415,000 |
$487,000 | $1,300,000 |
$218,000 | $400,000 |
| Black or African American |
16 | $2,077,000 |
$129,000 | $385,000 |
$48,000 | $111,000 |
| Hispanic |
5 | $447,000 |
$89,000 | $125,000 |
$17,000 | $62,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
19 | $8,858,000 |
$466,000 | $5,000,000 |
$0 | $0 |
| Not Provided |
3 | $297,000 |
$99,000 | $150,000 |
$32,000 | $44,000 |
| White |
86 | $19,107,000 |
$222,000 | $2,000,000 |
$94,000 | $1,020,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
133 | $34,177,000 |
$256,000 | $5,000,000 |
$78,000 | $1,020,000 |
| FHA-insured (Federal Housing Administration) |
3 | $24,000 |
$8,000 | $15,000 |
$43,000 | $84,000 |
| 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 |
9 | $2,149,000 |
$238,000 | $1,300,000 |
$56,000 | $400,000 |
| Application Denied By Financial Institution |
15 | $2,007,000 |
$133,000 | $385,000 |
$65,000 | $126,000 |
| Application Withdrawn By Applicant |
5 | $636,000 |
$127,000 | $257,000 |
$74,000 | $99,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
105 | $28,409,000 |
$270,000 | $5,000,000 |
$83,000 | $1,020,000 |
| Loan Purchased By The Institution |
2 | $1,000,000 |
$500,000 | $850,000 |
$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 | $1,419,000 |
$129,000 | $385,000 |
$63,000 | $120,000 |
| Debt-To-Income Ratio |
2 | $195,000 |
$97,000 | $190,000 |
$43,000 | $62,000 |
| 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 |
2 | $393,000 |
$196,000 | $274,000 |
$103,000 | $126,000 |
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Mortgage Loan App Totals for FIRST GUARANTY BK & TRUST CO by:
Metropolitan Area And
County
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