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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 | P O BOX 506
WAYNESBORO, MS 39367 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 324 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $18,592,000 |
| Average Mortgage Loan Amount Applied For | $148,166 |
| Highest Mortgage Loan Amount Applied For | $1,200,000 |
| Average Applicant Income | $94,388 |
| Highest Applicant Income | $9,982,000 |
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| Home Improvement |
111 | $2,019,000 |
$18,000 | $241,000 |
$52,000 | $228,000 |
| Home Purchase |
128 | $7,447,000 |
$58,000 | $784,000 |
$133,000 | $9,982,000 |
| Refinancing |
85 | $9,126,000 |
$107,000 | $1,200,000 |
$97,000 | $4,287,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $85,000 |
$85,000 | $85,000 |
$9,982,000 | $9,982,000 |
| Black or African American |
72 | $1,808,000 |
$25,000 | $117,000 |
$33,000 | $83,000 |
| Hispanic |
1 | $21,000 |
$21,000 | $21,000 |
$26,000 | $26,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
10 | $4,807,000 |
$480,000 | $1,200,000 |
$473,000 | $4,287,000 |
| Not Provided |
1 | $86,000 |
$86,000 | $86,000 |
$36,000 | $36,000 |
| White |
239 | $11,785,000 |
$49,000 | $813,000 |
$58,000 | $430,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
324 | $18,592,000 |
$57,000 | $1,200,000 |
$96,000 | $9,982,000 |
| 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 |
10 | $416,000 |
$41,000 | $96,000 |
$57,000 | $134,000 |
| Application Denied By Financial Institution |
61 | $2,464,000 |
$40,000 | $190,000 |
$36,000 | $150,000 |
| Application Withdrawn By Applicant |
4 | $247,000 |
$61,000 | $183,000 |
$70,000 | $156,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
249 | $15,465,000 |
$62,000 | $1,200,000 |
$112,000 | $9,982,000 |
| 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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