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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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NORTH STATE BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
NORTH STATE BANK |
| Address | 6200 FALLS OF NEUSE RD
RALEIGH, NC 27609 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 106 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $26,533,000 |
| Average Mortgage Loan Amount Applied For | $233,294 |
| Highest Mortgage Loan Amount Applied For | $3,600,000 |
| Average Applicant Income | $79,529 |
| Highest Applicant Income | $1,000,000 |
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| Home Improvement |
15 | $1,369,000 |
$91,000 | $276,000 |
$104,000 | $512,000 |
| Home Purchase |
67 | $19,896,000 |
$296,000 | $3,600,000 |
$118,000 | $1,000,000 |
| Refinancing |
24 | $5,268,000 |
$219,000 | $855,000 |
$144,000 | $548,000 |
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| American Indian or Alaskan Native |
1 | $288,000 |
$288,000 | $288,000 |
$63,000 | $63,000 |
| Asian |
1 | $110,000 |
$110,000 | $110,000 |
$111,000 | $111,000 |
| Black or African American |
7 | $806,000 |
$115,000 | $256,000 |
$103,000 | $136,000 |
| Hispanic |
1 | $546,000 |
$546,000 | $546,000 |
$500,000 | $500,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
37 | $10,956,000 |
$296,000 | $3,600,000 |
$0 | $0 |
| Not Provided |
1 | $98,000 |
$98,000 | $98,000 |
$65,000 | $65,000 |
| White |
58 | $13,729,000 |
$236,000 | $1,500,000 |
$198,000 | $1,000,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
106 | $26,533,000 |
$250,000 | $3,600,000 |
$122,000 | $1,000,000 |
| 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 |
2 | $242,000 |
$121,000 | $204,000 |
$135,000 | $135,000 |
| Application Denied By Financial Institution |
2 | $106,000 |
$53,000 | $91,000 |
$300,000 | $483,000 |
| Application Withdrawn By Applicant |
13 | $2,605,000 |
$200,000 | $355,000 |
$88,000 | $180,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
89 | $23,580,000 |
$264,000 | $3,600,000 |
$123,000 | $1,000,000 |
| 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 |
1 | $15,000 |
$15,000 | $15,000 |
$118,000 | $118,000 |
| Debt-To-Income Ratio |
1 | $91,000 |
$91,000 | $91,000 |
$483,000 | $483,000 |
| 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 NORTH STATE BANK by:
Metropolitan Area And
County
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