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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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TALBOT STATE BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
TALBOT STATE BANK |
| Address | P.O. BOX 215
WOODLAND, GA 31836 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 1,776 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $185,735,000 |
| Average Mortgage Loan Amount Applied For | $90,791 |
| Highest Mortgage Loan Amount Applied For | $900,000 |
| Average Applicant Income | $50,726 |
| Highest Applicant Income | $703,000 |
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| Home Improvement |
167 | $11,126,000 |
$66,000 | $320,000 |
$48,000 | $300,000 |
| Home Purchase |
335 | $36,590,000 |
$109,000 | $448,000 |
$62,000 | $686,000 |
| Refinancing |
1,274 | $138,019,000 |
$108,000 | $900,000 |
$55,000 | $703,000 |
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| American Indian or Alaskan Native |
1 | $180,000 |
$180,000 | $180,000 |
$29,000 | $29,000 |
| Asian |
6 | $1,361,000 |
$226,000 | $397,000 |
$115,000 | $212,000 |
| Black or African American |
797 | $81,066,000 |
$101,000 | $448,000 |
$53,000 | $703,000 |
| Hispanic |
27 | $3,528,000 |
$130,000 | $399,000 |
$80,000 | $686,000 |
| Native Hawaiin or Other Pacific Islander |
6 | $570,000 |
$95,000 | $177,000 |
$77,000 | $156,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
206 | $22,044,000 |
$107,000 | $320,000 |
$54,000 | $300,000 |
| White |
733 | $76,986,000 |
$105,000 | $900,000 |
$58,000 | $579,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,776 | $185,735,000 |
$104,000 | $900,000 |
$56,000 | $703,000 |
| 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 |
74 | $6,184,000 |
$83,000 | $320,000 |
$50,000 | $240,000 |
| Application Denied By Financial Institution |
1,206 | $139,681,000 |
$115,000 | $900,000 |
$55,000 | $703,000 |
| Application Withdrawn By Applicant |
102 | $11,055,000 |
$108,000 | $317,000 |
$53,000 | $240,000 |
| File Closed For Incompleteness |
5 | $609,000 |
$121,000 | $208,000 |
$63,000 | $136,000 |
| Loan Originated |
389 | $28,206,000 |
$72,000 | $399,000 |
$61,000 | $686,000 |
| 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 |
1,094 | $124,612,000 |
$113,000 | $448,000 |
$54,000 | $703,000 |
| Credit Application Incomplete |
2 | $493,000 |
$246,000 | $397,000 |
$123,000 | $180,000 |
| Credit History |
4 | $661,000 |
$165,000 | $256,000 |
$62,000 | $88,000 |
| Debt-To-Income Ratio |
40 | $4,915,000 |
$122,000 | $269,000 |
$47,000 | $134,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
6 | $826,000 |
$137,000 | $250,000 |
$67,000 | $134,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
7 | $1,952,000 |
$278,000 | $900,000 |
$80,000 | $209,000 |
| Unverifiable Information |
3 | $231,000 |
$77,000 | $115,000 |
$22,000 | $36,000 |
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Mortgage Loan App Totals for TALBOT STATE BANK by:
Metropolitan Area And
County
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