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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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PEOPLES BANK & TRUST
Mortgage Loans and Application Details
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| Mortgage Company Name |
PEOPLES BANK & TRUST |
| Address | 1809 RED CRUCE COURT
BUFORD, GA 30518 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 219 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $26,969,000 |
| Average Mortgage Loan Amount Applied For | $166,000 |
| Highest Mortgage Loan Amount Applied For | $700,000 |
| Average Applicant Income | $76,105 |
| Highest Applicant Income | $560,000 |
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| Home Improvement |
22 | $330,000 |
$15,000 | $92,000 |
$48,000 | $144,000 |
| Home Purchase |
73 | $13,856,000 |
$189,000 | $700,000 |
$41,000 | $150,000 |
| Refinancing |
125 | $12,908,000 |
$103,000 | $670,000 |
$66,000 | $560,000 |
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| American Indian or Alaskan Native |
1 | $27,000 |
$27,000 | $27,000 |
$9,000 | $9,000 |
| Asian |
1 | $87,000 |
$87,000 | $87,000 |
$150,000 | $150,000 |
| Black or African American |
5 | $559,000 |
$111,000 | $175,000 |
$30,000 | $49,000 |
| Hispanic |
4 | $331,000 |
$82,000 | $156,000 |
$58,000 | $100,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
46 | $7,607,000 |
$165,000 | $354,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
163 | $18,483,000 |
$113,000 | $700,000 |
$72,000 | $560,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
220 | $27,094,000 |
$123,000 | $700,000 |
$56,000 | $560,000 |
| 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 |
8 | $665,000 |
$83,000 | $175,000 |
$40,000 | $77,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
212 | $26,429,000 |
$124,000 | $700,000 |
$57,000 | $560,000 |
| 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 | $25,000 |
$25,000 | $25,000 |
$58,000 | $58,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
4 | $453,000 |
$113,000 | $127,000 |
$39,000 | $77,000 |
| Debt-To-Income Ratio |
3 | $187,000 |
$62,000 | $175,000 |
$36,000 | $46,000 |
| 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 PEOPLES BANK & TRUST by:
Metropolitan Area And
County
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