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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 SAVANNAH BANK, NA
Mortgage Loans and Application Details
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| Mortgage Company Name |
THE SAVANNAH BANK, NA |
| Address | PO BOX 188
SAVANNAH, GA 31402 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 365 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $107,151,000 |
| Average Mortgage Loan Amount Applied For | $342,086 |
| Highest Mortgage Loan Amount Applied For | $3,200,000 |
| Average Applicant Income | $332,956 |
| Highest Applicant Income | $2,700,000 |
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| Home Improvement |
19 | $4,520,000 |
$237,000 | $1,387,000 |
$75,000 | $360,000 |
| Home Purchase |
160 | $51,651,000 |
$322,000 | $3,200,000 |
$197,000 | $2,700,000 |
| Refinancing |
186 | $50,980,000 |
$274,000 | $2,640,000 |
$174,000 | $1,140,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
3 | $224,000 |
$74,000 | $179,000 |
$374,000 | $1,020,000 |
| Black or African American |
13 | $1,377,000 |
$105,000 | $200,000 |
$179,000 | $336,000 |
| Hispanic |
18 | $3,550,000 |
$197,000 | $480,000 |
$179,000 | $940,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
44 | $27,655,000 |
$628,000 | $2,640,000 |
$1,000 | $55,000 |
| Not Provided |
2 | $639,000 |
$319,000 | $350,000 |
$156,000 | $275,000 |
| White |
285 | $73,706,000 |
$258,000 | $3,200,000 |
$205,000 | $2,700,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
365 | $107,151,000 |
$293,000 | $3,200,000 |
$179,000 | $2,700,000 |
| 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 |
8 | $2,719,000 |
$339,000 | $905,000 |
$183,000 | $581,000 |
| Application Denied By Financial Institution |
20 | $3,690,000 |
$184,000 | $479,000 |
$82,000 | $696,000 |
| Application Withdrawn By Applicant |
30 | $7,201,000 |
$240,000 | $1,200,000 |
$147,000 | $1,373,000 |
| File Closed For Incompleteness |
1 | $150,000 |
$150,000 | $150,000 |
$0 | $0 |
| Loan Originated |
306 | $93,391,000 |
$305,000 | $3,200,000 |
$189,000 | $2,700,000 |
| 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 | $60,000 |
$60,000 | $60,000 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
8 | $1,353,000 |
$169,000 | $289,000 |
$64,000 | $250,000 |
| Debt-To-Income Ratio |
3 | $457,000 |
$152,000 | $177,000 |
$46,000 | $75,000 |
| Employment History |
2 | $330,000 |
$165,000 | $170,000 |
$377,000 | $696,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
2 | $642,000 |
$321,000 | $479,000 |
$60,000 | $78,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
4 | $848,000 |
$212,000 | $243,000 |
$28,000 | $65,000 |
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Mortgage Loan App Totals for THE SAVANNAH BANK, NA by:
Metropolitan Area And
County
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