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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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SOUTH CAROLINA COMMUNITY BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
SOUTH CAROLINA COMMUNITY BANK |
| Address | 1545 SUMTER STREET
COLUMBIA, SC 29201 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 107 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $12,158,000 |
| Average Mortgage Loan Amount Applied For | $151,545 |
| Highest Mortgage Loan Amount Applied For | $520,000 |
| Average Applicant Income | $78,909 |
| Highest Applicant Income | $587,000 |
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| Home Improvement |
5 | $279,000 |
$55,000 | $84,000 |
$37,000 | $65,000 |
| Home Purchase |
61 | $4,857,000 |
$79,000 | $220,000 |
$58,000 | $587,000 |
| Refinancing |
41 | $7,022,000 |
$171,000 | $520,000 |
$81,000 | $300,000 |
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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 |
94 | $10,298,000 |
$109,000 | $520,000 |
$64,000 | $587,000 |
| Hispanic |
5 | $510,000 |
$102,000 | $135,000 |
$32,000 | $61,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
6 | $960,000 |
$160,000 | $257,000 |
$134,000 | $300,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
2 | $390,000 |
$195,000 | $334,000 |
$66,000 | $106,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
102 | $11,719,000 |
$114,000 | $520,000 |
$67,000 | $587,000 |
| FHA-insured (Federal Housing Administration) |
5 | $439,000 |
$87,000 | $111,000 |
$38,000 | $53,000 |
| 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 |
48 | $5,555,000 |
$115,000 | $520,000 |
$50,000 | $278,000 |
| Application Withdrawn By Applicant |
14 | $2,395,000 |
$171,000 | $417,000 |
$70,000 | $177,000 |
| File Closed For Incompleteness |
8 | $684,000 |
$85,000 | $132,000 |
$50,000 | $83,000 |
| Loan Originated |
37 | $3,524,000 |
$95,000 | $500,000 |
$88,000 | $587,000 |
| 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 |
3 | $345,000 |
$115,000 | $120,000 |
$47,000 | $65,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
41 | $4,326,000 |
$105,000 | $334,000 |
$45,000 | $162,000 |
| Debt-To-Income Ratio |
1 | $520,000 |
$520,000 | $520,000 |
$278,000 | $278,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
2 | $245,000 |
$122,000 | $126,000 |
$56,000 | $59,000 |
| 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 SOUTH CAROLINA COMMUNITY BANK by:
Metropolitan Area And
County
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