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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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GEORGIA CENTRALBANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
GEORGIA CENTRALBANK |
| Address | P.O. BOX 588
SOCIAL CIRCLE, GA 30025 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 53 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $7,232,000 |
| Average Mortgage Loan Amount Applied For | $167,250 |
| Highest Mortgage Loan Amount Applied For | $1,413,000 |
| Average Applicant Income | $56,250 |
| Highest Applicant Income | $333,000 |
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| Home Improvement |
17 | $1,112,000 |
$65,000 | $958,000 |
$34,000 | $150,000 |
| Home Purchase |
13 | $4,231,000 |
$325,000 | $1,413,000 |
$61,000 | $277,000 |
| Refinancing |
23 | $1,889,000 |
$82,000 | $428,000 |
$69,000 | $333,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
11 | $450,000 |
$40,000 | $252,000 |
$33,000 | $109,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
2 | $2,703,000 |
$1,351,000 | $1,413,000 |
$0 | $0 |
| Not Provided |
2 | $183,000 |
$91,000 | $160,000 |
$91,000 | $150,000 |
| White |
38 | $3,896,000 |
$102,000 | $958,000 |
$64,000 | $333,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
53 | $7,232,000 |
$136,000 | $1,413,000 |
$56,000 | $333,000 |
| 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 |
9 | $937,000 |
$104,000 | $428,000 |
$43,000 | $96,000 |
| Application Withdrawn By Applicant |
7 | $970,000 |
$138,000 | $315,000 |
$91,000 | $277,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
37 | $5,325,000 |
$143,000 | $1,413,000 |
$52,000 | $333,000 |
| 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 |
5 | $264,000 |
$52,000 | $119,000 |
$29,000 | $57,000 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Employment History |
1 | $428,000 |
$428,000 | $428,000 |
$96,000 | $96,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $160,000 |
$160,000 | $160,000 |
$32,000 | $32,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for GEORGIA CENTRALBANK by:
Metropolitan Area And
County
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