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| $5,279,183,286,000 in Mortgage Loans Applied for in 2007 from 26,605,695 Applications |
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PEACH STATE BANK & TRUST
Mortgage Loans and Application Details
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| Mortgage Company Name |
PEACH STATE BANK & TRUST |
| Address | P.O. BOX 290
GAINESVILLE, GA 30503 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2007 |
| Data Years (click a year for detail) | 2006 2007 |
| Total Number of Mortgage Loan Applications Processed | 46 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $7,406,000 |
| Average Mortgage Loan Amount Applied For | $169,583 |
| Highest Mortgage Loan Amount Applied For | $1,444,000 |
| Average Applicant Income | $217,500 |
| Highest Applicant Income | $3,743,000 |
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| Home Improvement |
2 | $39,000 |
$19,000 | $35,000 |
$154,000 | $253,000 |
| Home Purchase |
22 | $3,682,000 |
$167,000 | $560,000 |
$373,000 | $3,000,000 |
| Refinancing |
22 | $3,685,000 |
$167,000 | $1,444,000 |
$207,000 | $3,743,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $162,000 |
$162,000 | $162,000 |
$33,000 | $33,000 |
| Black or African American |
3 | $353,000 |
$117,000 | $134,000 |
$57,000 | $86,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
20 | $2,831,000 |
$141,000 | $475,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
22 | $4,060,000 |
$184,000 | $1,444,000 |
$585,000 | $3,743,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
46 | $7,406,000 |
$161,000 | $1,444,000 |
$284,000 | $3,743,000 |
| 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 |
4 | $562,000 |
$140,000 | $254,000 |
$64,000 | $88,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
42 | $6,844,000 |
$162,000 | $1,444,000 |
$305,000 | $3,743,000 |
| 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 |
4 | $562,000 |
$140,000 | $254,000 |
$64,000 | $88,000 |
| 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 PEACH STATE BANK & TRUST by:
Metropolitan Area And
County
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