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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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OCONEE STATE BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
OCONEE STATE BANK |
| Address | 7920 MACON HWY.
WATKINSVILLE, GA 30677 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 396 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $51,373,000 |
| Average Mortgage Loan Amount Applied For | $126,560 |
| Highest Mortgage Loan Amount Applied For | $1,300,000 |
| Average Applicant Income | $71,080 |
| Highest Applicant Income | $880,000 |
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| Home Improvement |
24 | $1,831,000 |
$76,000 | $378,000 |
$75,000 | $212,000 |
| Home Purchase |
156 | $24,100,000 |
$154,000 | $456,000 |
$68,000 | $452,000 |
| Refinancing |
217 | $25,636,000 |
$118,000 | $1,300,000 |
$70,000 | $880,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
3 | $365,000 |
$121,000 | $168,000 |
$53,000 | $60,000 |
| Black or African American |
22 | $1,467,000 |
$66,000 | $180,000 |
$46,000 | $194,000 |
| Hispanic |
1 | $223,000 |
$223,000 | $223,000 |
$74,000 | $74,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
57 | $8,306,000 |
$145,000 | $954,000 |
$0 | $0 |
| Not Provided |
2 | $194,000 |
$97,000 | $185,000 |
$52,000 | $69,000 |
| White |
312 | $41,012,000 |
$131,000 | $1,300,000 |
$85,000 | $880,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
396 | $51,327,000 |
$129,000 | $1,300,000 |
$70,000 | $880,000 |
| 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) |
1 | $240,000 |
$240,000 | $240,000 |
$86,000 | $86,000 |
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| Application Approved But Not Accepted |
2 | $196,000 |
$98,000 | $129,000 |
$8,000 | $17,000 |
| Application Denied By Financial Institution |
11 | $1,122,000 |
$102,000 | $270,000 |
$56,000 | $124,000 |
| Application Withdrawn By Applicant |
5 | $556,000 |
$111,000 | $194,000 |
$66,000 | $102,000 |
| File Closed For Incompleteness |
1 | $170,000 |
$170,000 | $170,000 |
$160,000 | $160,000 |
| Loan Originated |
378 | $49,523,000 |
$131,000 | $1,300,000 |
$70,000 | $880,000 |
| 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 |
1 | $76,000 |
$76,000 | $76,000 |
$27,000 | $27,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
7 | $726,000 |
$103,000 | $270,000 |
$56,000 | $113,000 |
| Debt-To-Income Ratio |
2 | $170,000 |
$85,000 | $110,000 |
$40,000 | $70,000 |
| 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 |
1 | $150,000 |
$150,000 | $150,000 |
$124,000 | $124,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for OCONEE STATE BANK by:
Metropolitan Area And
County
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