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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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HERITAGE BANKING GROUP
Mortgage Loans and Application Details
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| Mortgage Company Name |
HERITAGE BANKING GROUP |
| Address | P.O. BOX 437
CARTHAGE, MS 39051 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2006 |
| Total Number of Mortgage Loan Applications Processed | 408 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $24,673,000 |
| Average Mortgage Loan Amount Applied For | $115,666 |
| Highest Mortgage Loan Amount Applied For | $1,112,000 |
| Average Applicant Income | $68,200 |
| Highest Applicant Income | $1,148,000 |
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| Home Improvement |
89 | $1,407,000 |
$15,000 | $129,000 |
$40,000 | $179,000 |
| Home Purchase |
149 | $11,840,000 |
$79,000 | $1,112,000 |
$62,000 | $1,114,000 |
| Refinancing |
170 | $11,426,000 |
$67,000 | $658,000 |
$69,000 | $1,148,000 |
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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 |
99 | $2,774,000 |
$28,000 | $120,000 |
$58,000 | $455,000 |
| Hispanic |
5 | $52,000 |
$10,000 | $17,000 |
$33,000 | $45,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $10,000 |
$10,000 | $10,000 |
$16,000 | $16,000 |
| Not applicable |
42 | $6,327,000 |
$150,000 | $1,112,000 |
$2,000 | $92,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
261 | $15,510,000 |
$59,000 | $502,000 |
$71,000 | $1,148,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
408 | $24,673,000 |
$60,000 | $1,112,000 |
$60,000 | $1,148,000 |
| 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 |
21 | $1,023,000 |
$48,000 | $322,000 |
$28,000 | $96,000 |
| Application Withdrawn By Applicant |
9 | $193,000 |
$21,000 | $61,000 |
$28,000 | $43,000 |
| File Closed For Incompleteness |
1 | $15,000 |
$15,000 | $15,000 |
$0 | $0 |
| Loan Originated |
377 | $23,442,000 |
$62,000 | $1,112,000 |
$63,000 | $1,148,000 |
| 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 |
12 | $561,000 |
$46,000 | $322,000 |
$31,000 | $96,000 |
| Debt-To-Income Ratio |
8 | $456,000 |
$57,000 | $249,000 |
$24,000 | $54,000 |
| 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 | $6,000 |
$6,000 | $6,000 |
$18,000 | $18,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for HERITAGE BANKING GROUP by:
Metropolitan Area And
County
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