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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 STATE BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
LIBERTY STATE BANK |
| Address | P.O. BOX 999
LIBERTY, TN 37088 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 43 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $3,664,000 |
| Average Mortgage Loan Amount Applied For | $65,857 |
| Highest Mortgage Loan Amount Applied For | $1,176,000 |
| Average Applicant Income | $82,142 |
| Highest Applicant Income | $789,000 |
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| Home Improvement |
41 | $481,000 |
$11,000 | $100,000 |
$46,000 | $578,000 |
| Home Purchase |
47 | $3,683,000 |
$78,000 | $275,000 |
$87,000 | $750,000 |
| Refinancing |
47 | $4,923,000 |
$104,000 | $1,176,000 |
$89,000 | $789,000 |
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| American Indian or Alaskan Native |
1 | $70,000 |
$70,000 | $70,000 |
$578,000 | $578,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
3 | $236,000 |
$78,000 | $200,000 |
$41,000 | $49,000 |
| Hispanic |
2 | $46,000 |
$23,000 | $43,000 |
$33,000 | $38,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
1 | $1,176,000 |
$1,176,000 | $1,176,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
128 | $7,559,000 |
$59,000 | $338,000 |
$73,000 | $789,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
135 | $9,087,000 |
$67,000 | $1,176,000 |
$75,000 | $789,000 |
| 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 |
5 | $258,000 |
$51,000 | $90,000 |
$18,000 | $24,000 |
| Application Withdrawn By Applicant |
1 | $146,000 |
$146,000 | $146,000 |
$480,000 | $480,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
129 | $8,683,000 |
$67,000 | $1,176,000 |
$74,000 | $789,000 |
| 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 |
3 | $146,000 |
$48,000 | $90,000 |
$18,000 | $22,000 |
| Debt-To-Income Ratio |
2 | $112,000 |
$56,000 | $74,000 |
$19,000 | $24,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for LIBERTY STATE BANK by:
Metropolitan Area And
County
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