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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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MIDSOUTH BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
MIDSOUTH BANK |
| Address | 2506 SOUTHWEST DRIVE
JONESBORO, AR 72401 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2003 |
| All Data Years | 2003 |
| Total Number of Mortgage Loan Applications Processed | 609 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $46,276,000 |
| Average Mortgage Loan Amount Applied For | $75,437 |
| Highest Mortgage Loan Amount Applied For | $634,000 |
| Average Applicant Income | $63,687 |
| Highest Applicant Income | $8,700,000 |
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| Home Improvement (one-to-four family) |
47 | $1,207,000 |
$25,000 | $143,000 |
$51,000 | $156,000 |
| Home Purchase (one-to-four family) |
124 | $9,278,000 |
$74,000 | $267,000 |
$45,000 | $790,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Refinancing (home purchase or home improvement, one-to-four family) |
438 | $35,791,000 |
$81,000 | $634,000 |
$89,000 | $8,700,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian or Pacific Islander |
1 | $100,000 |
$100,000 | $100,000 |
$32,000 | $32,000 |
| Black |
18 | $1,341,000 |
$74,000 | $243,000 |
$55,000 | $156,000 |
| Hispanic |
6 | $221,000 |
$36,000 | $84,000 |
$24,000 | $44,000 |
| Information not provided by applicant in mail or telephone application |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
6 | $802,000 |
$133,000 | $179,000 |
$1,145,000 | $8,700,000 |
| Other |
2 | $218,000 |
$109,000 | $118,000 |
$23,000 | $29,000 |
| White |
576 | $43,594,000 |
$75,000 | $634,000 |
$52,000 | $879,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
455 | $33,473,000 |
$73,000 | $634,000 |
$85,000 | $8,700,000 |
| FHA-insured (Federal Housing Administration) |
116 | $9,328,000 |
$80,000 | $149,000 |
$43,000 | $166,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
38 | $3,475,000 |
$91,000 | $183,000 |
$34,000 | $84,000 |
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| Application Approved But Not Accepted |
17 | $1,456,000 |
$85,000 | $132,000 |
$46,000 | $76,000 |
| Application Denied By Financial Institution |
43 | $2,080,000 |
$48,000 | $124,000 |
$39,000 | $93,000 |
| Application Withdrawn By Applicant |
13 | $1,152,000 |
$88,000 | $320,000 |
$58,000 | $163,000 |
| File Closed For Incompleteness |
5 | $300,000 |
$60,000 | $115,000 |
$30,000 | $50,000 |
| Loan Originated |
531 | $41,288,000 |
$77,000 | $634,000 |
$86,000 | $8,700,000 |
| Loan Purchased By The 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 MIDSOUTH BANK by:
Metropolitan Area And
County
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