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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 FIRST STATE BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
THE FIRST STATE BANK |
| Address | 4806 NORTH HENRY BLVD
STOCKBRIDGE, GA 30281 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 362 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $40,723,000 |
| Average Mortgage Loan Amount Applied For | $222,133 |
| Highest Mortgage Loan Amount Applied For | $2,000,000 |
| Average Applicant Income | $188,800 |
| Highest Applicant Income | $4,134,000 |
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| Home Improvement |
63 | $730,000 |
$11,000 | $65,000 |
$47,000 | $190,000 |
| Home Purchase |
148 | $20,208,000 |
$136,000 | $777,000 |
$51,000 | $603,000 |
| Refinancing |
152 | $19,805,000 |
$130,000 | $2,000,000 |
$74,000 | $4,134,000 |
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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 |
19 | $646,000 |
$34,000 | $226,000 |
$48,000 | $126,000 |
| Hispanic |
2 | $103,000 |
$51,000 | $61,000 |
$68,000 | $83,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
188 | $27,367,000 |
$145,000 | $777,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
154 | $12,627,000 |
$81,000 | $2,000,000 |
$135,000 | $4,134,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
363 | $40,743,000 |
$112,000 | $2,000,000 |
$60,000 | $4,134,000 |
| 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 |
19 | $305,000 |
$16,000 | $57,000 |
$43,000 | $68,000 |
| Application Withdrawn By Applicant |
1 | $4,000 |
$4,000 | $4,000 |
$13,000 | $13,000 |
| File Closed For Incompleteness |
1 | $9,000 |
$9,000 | $9,000 |
$14,000 | $14,000 |
| Loan Originated |
342 | $40,425,000 |
$118,000 | $2,000,000 |
$61,000 | $4,134,000 |
| 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 |
12 | $208,000 |
$17,000 | $57,000 |
$42,000 | $62,000 |
| Debt-To-Income Ratio |
7 | $97,000 |
$13,000 | $45,000 |
$44,000 | $68,000 |
| 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 THE FIRST STATE BANK by:
Metropolitan Area And
County
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