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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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LIBERTY BANK AND TRUST COMPANY
Mortgage Loans and Application Details
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| Mortgage Company Name |
LIBERTY BANK AND TRUST COMPANY |
| Address | 7990 SCENIC HIGHWAY
BATON ROUGE, LA 70807 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 335 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $42,694,000 |
| Average Mortgage Loan Amount Applied For | $150,351 |
| Highest Mortgage Loan Amount Applied For | $923,000 |
| Average Applicant Income | $88,891 |
| Highest Applicant Income | $583,000 |
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| Home Improvement |
50 | $1,980,000 |
$39,000 | $275,000 |
$58,000 | $186,000 |
| Home Purchase |
189 | $26,983,000 |
$142,000 | $763,000 |
$69,000 | $530,000 |
| Refinancing |
96 | $13,731,000 |
$143,000 | $923,000 |
$67,000 | $583,000 |
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| American Indian or Alaskan Native |
1 | $4,000 |
$4,000 | $4,000 |
$48,000 | $48,000 |
| Asian |
1 | $335,000 |
$335,000 | $335,000 |
$456,000 | $456,000 |
| Black or African American |
304 | $37,051,000 |
$121,000 | $763,000 |
$63,000 | $583,000 |
| Hispanic |
2 | $350,000 |
$175,000 | $185,000 |
$150,000 | $247,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
8 | $2,143,000 |
$267,000 | $923,000 |
$12,000 | $101,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
19 | $2,811,000 |
$147,000 | $300,000 |
$123,000 | $500,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
212 | $28,291,000 |
$133,000 | $923,000 |
$78,000 | $583,000 |
| FHA-insured (Federal Housing Administration) |
116 | $13,431,000 |
$115,000 | $203,000 |
$47,000 | $114,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
7 | $972,000 |
$138,000 | $300,000 |
$57,000 | $142,000 |
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| Application Approved But Not Accepted |
15 | $1,716,000 |
$114,000 | $282,000 |
$68,000 | $160,000 |
| Application Denied By Financial Institution |
56 | $6,167,000 |
$110,000 | $763,000 |
$50,000 | $206,000 |
| Application Withdrawn By Applicant |
16 | $2,366,000 |
$147,000 | $295,000 |
$73,000 | $142,000 |
| File Closed For Incompleteness |
1 | $14,000 |
$14,000 | $14,000 |
$38,000 | $38,000 |
| Loan Originated |
240 | $31,309,000 |
$130,000 | $923,000 |
$71,000 | $583,000 |
| Loan Purchased By The Institution |
7 | $1,122,000 |
$160,000 | $292,000 |
$29,000 | $120,000 |
| 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 LIBERTY BANK AND TRUST COMPANY by:
Metropolitan Area And
County
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