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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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THE BANK OF LAFAYETTE
Mortgage Loans and Application Details
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| Mortgage Company Name |
THE BANK OF LAFAYETTE |
| Address | P O BOX 1149
LAFAYETTE, GA 30728 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 250 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $15,678,000 |
| Average Mortgage Loan Amount Applied For | $55,666 |
| Highest Mortgage Loan Amount Applied For | $700,000 |
| Average Applicant Income | $58,888 |
| Highest Applicant Income | $900,000 |
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| Home Improvement |
29 | $1,029,000 |
$35,000 | $100,000 |
$39,000 | $144,000 |
| Home Purchase |
57 | $3,042,000 |
$53,000 | $150,000 |
$44,000 | $165,000 |
| Refinancing |
164 | $11,607,000 |
$70,000 | $700,000 |
$47,000 | $900,000 |
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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 |
2 | $146,000 |
$73,000 | $101,000 |
$43,000 | $47,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
1 | $41,000 |
$41,000 | $41,000 |
$32,000 | $32,000 |
| Not applicable |
5 | $903,000 |
$180,000 | $700,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
242 | $14,588,000 |
$60,000 | $383,000 |
$46,000 | $900,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
250 | $15,678,000 |
$62,000 | $700,000 |
$45,000 | $900,000 |
| 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 |
1 | $101,000 |
$101,000 | $101,000 |
$47,000 | $47,000 |
| Application Denied By Financial Institution |
7 | $324,000 |
$46,000 | $75,000 |
$38,000 | $60,000 |
| Application Withdrawn By Applicant |
3 | $152,000 |
$50,000 | $95,000 |
$40,000 | $60,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
239 | $15,101,000 |
$63,000 | $700,000 |
$46,000 | $900,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 THE BANK OF LAFAYETTE by:
Metropolitan Area And
County
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