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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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GAINESVILLE BANK & TRUST
Mortgage Loans and Application Details
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| Mortgage Company Name |
GAINESVILLE BANK & TRUST |
| Address | 500 JESSE JEWELL PARKWAY
GAINESVILLE, GA 30501 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 389 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $60,074,000 |
| Average Mortgage Loan Amount Applied For | $210,875 |
| Highest Mortgage Loan Amount Applied For | $10,679,000 |
| Average Applicant Income | $190,562 |
| Highest Applicant Income | $3,274,000 |
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| Home Improvement |
77 | $2,559,000 |
$33,000 | $350,000 |
$79,000 | $646,000 |
| Home Purchase |
70 | $15,231,000 |
$217,000 | $3,528,000 |
$148,000 | $3,274,000 |
| Refinancing |
242 | $42,284,000 |
$174,000 | $10,679,000 |
$142,000 | $2,423,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
3 | $390,000 |
$130,000 | $225,000 |
$118,000 | $249,000 |
| Black or African American |
6 | $294,000 |
$49,000 | $142,000 |
$69,000 | $114,000 |
| Hispanic |
43 | $2,228,000 |
$51,000 | $376,000 |
$63,000 | $334,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
45 | $25,225,000 |
$560,000 | $10,679,000 |
$0 | $0 |
| Not Provided |
7 | $1,386,000 |
$198,000 | $775,000 |
$114,000 | $400,000 |
| White |
285 | $30,551,000 |
$107,000 | $3,528,000 |
$163,000 | $3,274,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
389 | $60,074,000 |
$154,000 | $10,679,000 |
$131,000 | $3,274,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
30 | $1,693,000 |
$56,000 | $775,000 |
$55,000 | $202,000 |
| Application Withdrawn By Applicant |
5 | $412,000 |
$82,000 | $170,000 |
$77,000 | $243,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
354 | $57,969,000 |
$163,000 | $10,679,000 |
$138,000 | $3,274,000 |
| 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 GAINESVILLE BANK & TRUST by:
Metropolitan Area And
County
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