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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 STATE BANK OF BLAKELY
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST STATE BANK OF BLAKELY |
| Address | PO BOX 528
BLAKELY, GA 39823 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 187 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $14,068,000 |
| Average Mortgage Loan Amount Applied For | $151,681 |
| Highest Mortgage Loan Amount Applied For | $700,000 |
| Average Applicant Income | $105,363 |
| Highest Applicant Income | $696,000 |
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| Home Improvement |
43 | $1,573,000 |
$36,000 | $143,000 |
$65,000 | $696,000 |
| Home Purchase |
84 | $7,158,000 |
$85,000 | $700,000 |
$71,000 | $490,000 |
| Refinancing |
60 | $5,337,000 |
$88,000 | $600,000 |
$84,000 | $507,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
2 | $97,000 |
$48,000 | $70,000 |
$56,000 | $84,000 |
| Black or African American |
27 | $957,000 |
$35,000 | $143,000 |
$38,000 | $100,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
8 | $150,000 |
$18,000 | $50,000 |
$24,000 | $40,000 |
| White |
150 | $12,864,000 |
$85,000 | $700,000 |
$83,000 | $696,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
186 | $14,022,000 |
$75,000 | $700,000 |
$74,000 | $696,000 |
| 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 | $46,000 |
$46,000 | $46,000 |
$81,000 | $81,000 |
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| Application Approved But Not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
17 | $353,000 |
$20,000 | $56,000 |
$24,000 | $43,000 |
| Application Withdrawn By Applicant |
8 | $475,000 |
$59,000 | $160,000 |
$44,000 | $84,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
162 | $13,240,000 |
$81,000 | $700,000 |
$80,000 | $696,000 |
| 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 |
1 | $4,000 |
$4,000 | $4,000 |
$22,000 | $22,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
14 | $264,000 |
$18,000 | $56,000 |
$24,000 | $43,000 |
| Debt-To-Income Ratio |
1 | $50,000 |
$50,000 | $50,000 |
$36,000 | $36,000 |
| 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 |
1 | $35,000 |
$35,000 | $35,000 |
$24,000 | $24,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for FIRST STATE BANK OF BLAKELY by:
Metropolitan Area And
County
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