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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 FIRST COMMUNITY BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
PEOPLES FIRST COMMUNITY BANK |
| Address | 1022 W. 23RD STREET
PANAMA CITY, FL 32405 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 2,549 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $538,385,000 |
| Average Mortgage Loan Amount Applied For | $216,087 |
| Highest Mortgage Loan Amount Applied For | $5,545,000 |
| Average Applicant Income | $119,228 |
| Highest Applicant Income | $3,002,000 |
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| Home Improvement |
81 | $10,376,000 |
$128,000 | $1,008,000 |
$95,000 | $960,000 |
| Home Purchase |
1,864 | $400,658,000 |
$214,000 | $5,545,000 |
$99,000 | $3,002,000 |
| Refinancing |
604 | $127,351,000 |
$210,000 | $1,500,000 |
$103,000 | $2,880,000 |
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| American Indian or Alaskan Native |
11 | $1,670,000 |
$151,000 | $480,000 |
$73,000 | $217,000 |
| Asian |
83 | $19,571,000 |
$235,000 | $999,000 |
$109,000 | $506,000 |
| Black or African American |
249 | $42,566,000 |
$170,000 | $1,500,000 |
$71,000 | $540,000 |
| Hispanic |
155 | $33,419,000 |
$215,000 | $950,000 |
$83,000 | $432,000 |
| Native Hawaiin or Other Pacific Islander |
12 | $2,435,000 |
$202,000 | $445,000 |
$79,000 | $168,000 |
| Not applicable |
8 | $6,742,000 |
$842,000 | $5,545,000 |
$0 | $0 |
| Not Provided |
92 | $23,961,000 |
$260,000 | $1,946,000 |
$150,000 | $1,200,000 |
| White |
1,939 | $408,021,000 |
$210,000 | $3,460,000 |
$102,000 | $3,002,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
2,119 | $479,884,000 |
$226,000 | $5,545,000 |
$110,000 | $3,002,000 |
| FHA-insured (Federal Housing Administration) |
309 | $36,060,000 |
$116,000 | $283,000 |
$43,000 | $420,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
121 | $22,441,000 |
$185,000 | $412,000 |
$60,000 | $180,000 |
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| Application Approved But Not Accepted |
292 | $73,621,000 |
$252,000 | $3,460,000 |
$112,000 | $3,002,000 |
| Application Denied By Financial Institution |
190 | $29,030,000 |
$152,000 | $1,874,000 |
$65,000 | $765,000 |
| Application Withdrawn By Applicant |
226 | $47,358,000 |
$209,000 | $2,590,000 |
$87,000 | $854,000 |
| File Closed For Incompleteness |
28 | $7,373,000 |
$263,000 | $936,000 |
$201,000 | $2,880,000 |
| Loan Originated |
1,813 | $381,003,000 |
$210,000 | $5,545,000 |
$101,000 | $1,794,000 |
| 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 |
15 | $3,178,000 |
$211,000 | $480,000 |
$73,000 | $180,000 |
| Credit Application Incomplete |
3 | $706,000 |
$235,000 | $340,000 |
$77,000 | $127,000 |
| Credit History |
96 | $10,206,000 |
$106,000 | $1,874,000 |
$47,000 | $765,000 |
| Debt-To-Income Ratio |
29 | $4,002,000 |
$138,000 | $520,000 |
$48,000 | $150,000 |
| Employment History |
3 | $169,000 |
$56,000 | $84,000 |
$30,000 | $37,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
7 | $2,194,000 |
$313,000 | $1,200,000 |
$136,000 | $565,000 |
| Mortgage Insurance Denied |
2 | $1,508,000 |
$754,000 | $1,238,000 |
$354,000 | $577,000 |
| Other |
29 | $5,515,000 |
$190,000 | $950,000 |
$95,000 | $406,000 |
| Unverifiable Information |
6 | $1,552,000 |
$258,000 | $618,000 |
$101,000 | $264,000 |
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Mortgage Loan App Totals for PEOPLES FIRST COMMUNITY BANK by:
Metropolitan Area And
County
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