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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 HERITAGE BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
THE HERITAGE BANK |
| Address | P O BOX 1009
HINESVILLE, GA 31310 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 640 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $47,682,000 |
| Average Mortgage Loan Amount Applied For | $105,653 |
| Highest Mortgage Loan Amount Applied For | $2,568,000 |
| Average Applicant Income | $72,730 |
| Highest Applicant Income | $807,000 |
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| Home Improvement |
177 | $2,374,000 |
$13,000 | $151,000 |
$44,000 | $218,000 |
| Home Purchase |
173 | $15,037,000 |
$86,000 | $1,616,000 |
$62,000 | $370,000 |
| Refinancing |
294 | $30,420,000 |
$103,000 | $2,568,000 |
$64,000 | $807,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
8 | $675,000 |
$84,000 | $358,000 |
$23,000 | $52,000 |
| Black or African American |
159 | $3,862,000 |
$24,000 | $326,000 |
$45,000 | $270,000 |
| Hispanic |
26 | $756,000 |
$29,000 | $162,000 |
$39,000 | $120,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $63,000 |
$63,000 | $63,000 |
$40,000 | $40,000 |
| Not applicable |
53 | $14,515,000 |
$273,000 | $2,568,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
397 | $27,960,000 |
$70,000 | $1,576,000 |
$73,000 | $807,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
644 | $47,831,000 |
$74,000 | $2,568,000 |
$58,000 | $807,000 |
| 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 |
25 | $1,179,000 |
$47,000 | $210,000 |
$66,000 | $370,000 |
| Application Denied By Financial Institution |
48 | $1,287,000 |
$26,000 | $300,000 |
$42,000 | $218,000 |
| Application Withdrawn By Applicant |
15 | $1,093,000 |
$72,000 | $317,000 |
$47,000 | $92,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
556 | $44,272,000 |
$79,000 | $2,568,000 |
$59,000 | $807,000 |
| 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 HERITAGE BANK by:
Metropolitan Area And
County
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