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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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MACON BANK & TRUST COMPANY
Mortgage Loans and Application Details
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| Mortgage Company Name |
MACON BANK & TRUST COMPANY |
| Address | P.O. BOX 10
LAFAYETTE, TN 37083-0010 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 367 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $16,889,000 |
| Average Mortgage Loan Amount Applied For | $48,235 |
| Highest Mortgage Loan Amount Applied For | $695,000 |
| Average Applicant Income | $51,411 |
| Highest Applicant Income | $372,000 |
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| Home Improvement |
57 | $847,000 |
$14,000 | $58,000 |
$40,000 | $109,000 |
| Home Purchase |
92 | $4,901,000 |
$53,000 | $219,000 |
$63,000 | $372,000 |
| Refinancing |
218 | $11,141,000 |
$51,000 | $695,000 |
$52,000 | $325,000 |
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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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
1 | $35,000 |
$35,000 | $35,000 |
$32,000 | $32,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
1 | $85,000 |
$85,000 | $85,000 |
$85,000 | $85,000 |
| White |
365 | $16,769,000 |
$45,000 | $695,000 |
$53,000 | $372,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
367 | $16,889,000 |
$46,000 | $695,000 |
$53,000 | $372,000 |
| 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 |
14 | $498,000 |
$35,000 | $101,000 |
$36,000 | $110,000 |
| Application Withdrawn By Applicant |
1 | $62,000 |
$62,000 | $62,000 |
$44,000 | $44,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
352 | $16,329,000 |
$46,000 | $695,000 |
$54,000 | $372,000 |
| 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 |
13 | $497,000 |
$38,000 | $101,000 |
$36,000 | $110,000 |
| Debt-To-Income Ratio |
1 | $1,000 |
$1,000 | $1,000 |
$40,000 | $40,000 |
| 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 MACON BANK & TRUST COMPANY by:
Metropolitan Area And
County
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