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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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BAKER BOYER NATIONAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
BAKER BOYER NATIONAL BANK |
| Address | 7 W MAIN ST
WALLA WALLA, WA 99362 |
| 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 | 285 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $38,690,000 |
| Average Mortgage Loan Amount Applied For | $141,666 |
| Highest Mortgage Loan Amount Applied For | $800,000 |
| Average Applicant Income | $74,733 |
| Highest Applicant Income | $528,000 |
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| Home Improvement |
53 | $3,888,000 |
$73,000 | $410,000 |
$81,000 | $528,000 |
| Home Purchase |
158 | $24,240,000 |
$153,000 | $800,000 |
$66,000 | $408,000 |
| Refinancing |
91 | $12,315,000 |
$135,000 | $650,000 |
$68,000 | $444,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
2 | $395,000 |
$197,000 | $300,000 |
$253,000 | $444,000 |
| Black or African American |
2 | $413,000 |
$206,000 | $280,000 |
$149,000 | $151,000 |
| Hispanic |
53 | $5,544,000 |
$104,000 | $264,000 |
$40,000 | $124,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
2 | $549,000 |
$274,000 | $325,000 |
$0 | $0 |
| Not Provided |
2 | $75,000 |
$37,000 | $65,000 |
$15,000 | $17,000 |
| White |
241 | $33,467,000 |
$138,000 | $800,000 |
$74,000 | $528,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
301 | $40,356,000 |
$134,000 | $800,000 |
$69,000 | $528,000 |
| FHA-insured (Federal Housing Administration) |
1 | $87,000 |
$87,000 | $87,000 |
$27,000 | $27,000 |
| 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 |
52 | $5,034,000 |
$96,000 | $250,000 |
$38,000 | $120,000 |
| Application Withdrawn By Applicant |
45 | $5,817,000 |
$129,000 | $350,000 |
$61,000 | $370,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
205 | $29,592,000 |
$144,000 | $800,000 |
$79,000 | $528,000 |
| 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 | $109,000 |
$109,000 | $109,000 |
$92,000 | $92,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
32 | $3,291,000 |
$102,000 | $250,000 |
$39,000 | $120,000 |
| Debt-To-Income Ratio |
8 | $459,000 |
$57,000 | $150,000 |
$32,000 | $68,000 |
| Employment History |
2 | $133,000 |
$66,000 | $132,000 |
$26,000 | $40,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
2 | $226,000 |
$113,000 | $113,000 |
$20,000 | $20,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
6 | $636,000 |
$106,000 | $172,000 |
$35,000 | $82,000 |
| Unverifiable Information |
1 | $180,000 |
$180,000 | $180,000 |
$54,000 | $54,000 |
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Mortgage Loan App Totals for BAKER BOYER NATIONAL BANK by:
Metropolitan Area And
County
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