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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
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST STATE BANK |
| Address | 221 HARRISON ST
UNION CITY, TN 38261 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 1,427 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $141,144,000 |
| Average Mortgage Loan Amount Applied For | $120,480 |
| Highest Mortgage Loan Amount Applied For | $3,300,000 |
| Average Applicant Income | $66,961 |
| Highest Applicant Income | $885,000 |
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| Home Improvement |
59 | $3,267,000 |
$55,000 | $277,000 |
$112,000 | $885,000 |
| Home Purchase |
852 | $91,806,000 |
$107,000 | $3,300,000 |
$68,000 | $670,000 |
| Refinancing |
516 | $46,071,000 |
$89,000 | $1,600,000 |
$82,000 | $775,000 |
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| American Indian or Alaskan Native |
6 | $501,000 |
$83,000 | $143,000 |
$129,000 | $196,000 |
| Asian |
3 | $302,000 |
$100,000 | $129,000 |
$131,000 | $166,000 |
| Black or African American |
69 | $6,295,000 |
$91,000 | $403,000 |
$54,000 | $219,000 |
| Hispanic |
12 | $1,124,000 |
$93,000 | $300,000 |
$62,000 | $138,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $136,000 |
$136,000 | $136,000 |
$52,000 | $52,000 |
| Not applicable |
81 | $7,798,000 |
$96,000 | $3,300,000 |
$180,000 | $775,000 |
| Not Provided |
36 | $4,029,000 |
$111,000 | $352,000 |
$52,000 | $300,000 |
| White |
1,219 | $120,959,000 |
$99,000 | $1,600,000 |
$69,000 | $885,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,139 | $112,608,000 |
$98,000 | $3,300,000 |
$82,000 | $885,000 |
| FHA-insured (Federal Housing Administration) |
196 | $19,490,000 |
$99,000 | $197,000 |
$46,000 | $130,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
62 | $5,493,000 |
$88,000 | $148,000 |
$36,000 | $110,000 |
| VA-guaranteed (Veterans Administration) |
30 | $3,553,000 |
$118,000 | $278,000 |
$54,000 | $133,000 |
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| Application Approved But Not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
142 | $12,023,000 |
$84,000 | $369,000 |
$40,000 | $272,000 |
| Application Withdrawn By Applicant |
66 | $8,957,000 |
$135,000 | $1,600,000 |
$65,000 | $471,000 |
| File Closed For Incompleteness |
17 | $1,955,000 |
$115,000 | $375,000 |
$48,000 | $200,000 |
| Loan Originated |
1,202 | $118,209,000 |
$98,000 | $3,300,000 |
$80,000 | $885,000 |
| 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 STATE BANK by:
Metropolitan Area And
County
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