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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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CACHE VALLEY BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
CACHE VALLEY BANK |
| Address | 101 NORTH MAIN
LOGAN, UT 84321 |
| Agency | Federal Reserve System (FRS) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 264 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $36,688,000 |
| Average Mortgage Loan Amount Applied For | $162,000 |
| Highest Mortgage Loan Amount Applied For | $739,000 |
| Average Applicant Income | $76,500 |
| Highest Applicant Income | $800,000 |
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| Home Improvement |
13 | $209,000 |
$16,000 | $37,000 |
$66,000 | $199,000 |
| Home Purchase |
163 | $20,002,000 |
$122,000 | $530,000 |
$65,000 | $372,000 |
| Refinancing |
127 | $21,647,000 |
$170,000 | $739,000 |
$94,000 | $800,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
5 | $362,000 |
$72,000 | $145,000 |
$55,000 | $126,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
6 | $690,000 |
$115,000 | $192,000 |
$67,000 | $174,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
2 | $787,000 |
$393,000 | $739,000 |
$44,000 | $47,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
290 | $40,019,000 |
$137,000 | $572,000 |
$78,000 | $800,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
277 | $38,210,000 |
$137,000 | $739,000 |
$80,000 | $800,000 |
| FHA-insured (Federal Housing Administration) |
25 | $3,472,000 |
$138,000 | $192,000 |
$46,000 | $181,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
1 | $176,000 |
$176,000 | $176,000 |
$57,000 | $57,000 |
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| Application Approved But Not Accepted |
8 | $842,000 |
$105,000 | $176,000 |
$126,000 | $233,000 |
| Application Denied By Financial Institution |
2 | $157,000 |
$78,000 | $141,000 |
$68,000 | $101,000 |
| Application Withdrawn By Applicant |
2 | $153,000 |
$76,000 | $138,000 |
$70,000 | $88,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
291 | $40,706,000 |
$139,000 | $739,000 |
$76,000 | $800,000 |
| 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 CACHE VALLEY BANK by:
Metropolitan Area And
County
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