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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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TWIN CITY BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
TWIN CITY BANK |
| Address | P O BOX 16270
NORTH LITTLE ROCK, AR 72231 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2005 |
| All Data Years | 2003 2004 2005 |
| Total Number of Mortgage Loan Applications Processed | 308 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $43,525,000 |
| Average Mortgage Loan Amount Applied For | $150,000 |
| Highest Mortgage Loan Amount Applied For | $1,200,000 |
| Average Applicant Income | $167,100 |
| Highest Applicant Income | $822,000 |
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| Home Improvement |
62 | $1,608,000 |
$25,000 | $180,000 |
$54,000 | $814,000 |
| Home Purchase |
146 | $27,698,000 |
$189,000 | $1,200,000 |
$132,000 | $822,000 |
| Refinancing |
100 | $14,219,000 |
$142,000 | $750,000 |
$97,000 | $548,000 |
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| American Indian or Alaskan Native |
4 | $554,000 |
$138,000 | $209,000 |
$129,000 | $194,000 |
| Asian |
2 | $628,000 |
$314,000 | $450,000 |
$126,000 | $172,000 |
| Black or African American |
42 | $2,917,000 |
$69,000 | $347,000 |
$57,000 | $180,000 |
| Hispanic |
7 | $1,293,000 |
$184,000 | $430,000 |
$242,000 | $450,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
11 | $5,575,000 |
$506,000 | $1,200,000 |
$4,000 | $92,000 |
| Not Provided |
5 | $1,432,000 |
$286,000 | $375,000 |
$139,000 | $204,000 |
| White |
237 | $31,126,000 |
$131,000 | $750,000 |
$119,000 | $822,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
308 | $43,525,000 |
$141,000 | $1,200,000 |
$109,000 | $822,000 |
| 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 |
6 | $2,179,000 |
$363,000 | $746,000 |
$160,000 | $388,000 |
| Application Denied By Financial Institution |
42 | $2,253,000 |
$53,000 | $300,000 |
$54,000 | $204,000 |
| Application Withdrawn By Applicant |
46 | $6,258,000 |
$136,000 | $700,000 |
$109,000 | $470,000 |
| File Closed For Incompleteness |
5 | $865,000 |
$173,000 | $206,000 |
$58,000 | $90,000 |
| Loan Originated |
209 | $31,970,000 |
$152,000 | $1,200,000 |
$137,000 | $822,000 |
| 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 |
2 | $103,000 |
$51,000 | $86,000 |
$112,000 | $184,000 |
| Credit Application Incomplete |
5 | $563,000 |
$112,000 | $300,000 |
$89,000 | $204,000 |
| Credit History |
17 | $527,000 |
$31,000 | $150,000 |
$35,000 | $88,000 |
| Debt-To-Income Ratio |
14 | $964,000 |
$68,000 | $284,000 |
$49,000 | $100,000 |
| Employment History |
2 | $20,000 |
$10,000 | $10,000 |
$31,000 | $36,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
2 | $76,000 |
$38,000 | $52,000 |
$37,000 | $49,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for TWIN CITY BANK by:
Metropolitan Area And
County
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