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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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OMNIBANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
OMNIBANK |
| Address | 236 E CAPITOL ST
JACKSON, MS 39201 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 124 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $16,320,000 |
| Average Mortgage Loan Amount Applied For | $170,733 |
| Highest Mortgage Loan Amount Applied For | $2,058,000 |
| Average Applicant Income | $81,933 |
| Highest Applicant Income | $652,000 |
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| Home Improvement |
9 | $2,043,000 |
$227,000 | $1,368,000 |
$82,000 | $201,000 |
| Home Purchase |
33 | $5,230,000 |
$158,000 | $958,000 |
$70,000 | $300,000 |
| Refinancing |
82 | $9,047,000 |
$110,000 | $2,058,000 |
$93,000 | $652,000 |
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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 |
30 | $1,094,000 |
$36,000 | $280,000 |
$43,000 | $145,000 |
| Hispanic |
2 | $57,000 |
$28,000 | $51,000 |
$156,000 | $305,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
14 | $1,225,000 |
$87,000 | $278,000 |
$73,000 | $300,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
78 | $13,944,000 |
$178,000 | $2,058,000 |
$103,000 | $652,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
124 | $16,320,000 |
$131,000 | $2,058,000 |
$86,000 | $652,000 |
| 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 | $88,000 |
$44,000 | $44,000 |
$0 | $0 |
| Application Denied By Financial Institution |
12 | $947,000 |
$78,000 | $280,000 |
$47,000 | $102,000 |
| Application Withdrawn By Applicant |
1 | $18,000 |
$18,000 | $18,000 |
$10,000 | $10,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
109 | $15,267,000 |
$140,000 | $2,058,000 |
$93,000 | $652,000 |
| 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 |
7 | $367,000 |
$52,000 | $148,000 |
$44,000 | $102,000 |
| Debt-To-Income Ratio |
3 | $335,000 |
$111,000 | $280,000 |
$25,000 | $38,000 |
| 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 |
2 | $245,000 |
$122,000 | $205,000 |
$95,000 | $100,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for OMNIBANK by:
Metropolitan Area And
County
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