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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 PEOPLES BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST PEOPLES BANK |
| Address | P. O. BOX 1178
PINE MOUNTAIN, GA 31822 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 295 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $33,449,000 |
| Average Mortgage Loan Amount Applied For | $158,636 |
| Highest Mortgage Loan Amount Applied For | $537,000 |
| Average Applicant Income | $83,954 |
| Highest Applicant Income | $473,000 |
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| Home Improvement |
10 | $319,000 |
$31,000 | $97,000 |
$39,000 | $125,000 |
| Home Purchase |
101 | $11,942,000 |
$118,000 | $366,000 |
$74,000 | $473,000 |
| Refinancing |
184 | $21,188,000 |
$115,000 | $537,000 |
$71,000 | $473,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
3 | $268,000 |
$89,000 | $144,000 |
$84,000 | $89,000 |
| Black or African American |
46 | $3,444,000 |
$74,000 | $400,000 |
$41,000 | $125,000 |
| Hispanic |
4 | $280,000 |
$70,000 | $151,000 |
$45,000 | $60,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
1 | $86,000 |
$86,000 | $86,000 |
$16,000 | $16,000 |
| Not Provided |
1 | $44,000 |
$44,000 | $44,000 |
$25,000 | $25,000 |
| White |
240 | $29,327,000 |
$122,000 | $537,000 |
$78,000 | $473,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
278 | $31,172,000 |
$112,000 | $537,000 |
$72,000 | $473,000 |
| FHA-insured (Federal Housing Administration) |
16 | $2,002,000 |
$125,000 | $181,000 |
$67,000 | $249,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
1 | $275,000 |
$275,000 | $275,000 |
$64,000 | $64,000 |
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| Application Approved But Not Accepted |
1 | $62,000 |
$62,000 | $62,000 |
$156,000 | $156,000 |
| Application Denied By Financial Institution |
25 | $2,341,000 |
$93,000 | $183,000 |
$42,000 | $167,000 |
| Application Withdrawn By Applicant |
23 | $2,602,000 |
$113,000 | $480,000 |
$67,000 | $150,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
246 | $28,444,000 |
$115,000 | $537,000 |
$74,000 | $473,000 |
| 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 |
13 | $1,214,000 |
$93,000 | $183,000 |
$46,000 | $167,000 |
| Debt-To-Income Ratio |
1 | $155,000 |
$155,000 | $155,000 |
$70,000 | $70,000 |
| 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 PEOPLES BANK by:
Metropolitan Area And
County
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