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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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CALIFORNIA BANK & TRUST
Mortgage Loans and Application Details
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| Mortgage Company Name |
CALIFORNIA BANK & TRUST |
| Address | 115 VIA PICO PLAZA
SAN CLEMENTE, CA 92672 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 1,367 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $474,652,000 |
| Average Mortgage Loan Amount Applied For | $430,461 |
| Highest Mortgage Loan Amount Applied For | $6,824,000 |
| Average Applicant Income | $340,365 |
| Highest Applicant Income | $9,999,000 |
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| Home Improvement |
283 | $39,964,000 |
$141,000 | $2,000,000 |
$128,000 | $2,400,000 |
| Home Purchase |
323 | $198,950,000 |
$615,000 | $6,824,000 |
$266,000 | $9,999,000 |
| Refinancing |
761 | $235,738,000 |
$309,000 | $6,300,000 |
$151,000 | $5,057,000 |
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| American Indian or Alaskan Native |
13 | $5,172,000 |
$397,000 | $925,000 |
$378,000 | $2,483,000 |
| Asian |
247 | $72,684,000 |
$294,000 | $2,000,000 |
$198,000 | $2,924,000 |
| Black or African American |
44 | $9,478,000 |
$215,000 | $721,000 |
$81,000 | $348,000 |
| Hispanic |
157 | $33,158,000 |
$211,000 | $1,500,000 |
$98,000 | $566,000 |
| Native Hawaiin or Other Pacific Islander |
17 | $4,692,000 |
$276,000 | $694,000 |
$88,000 | $198,000 |
| Not applicable |
87 | $80,056,000 |
$920,000 | $6,824,000 |
$2,000 | $215,000 |
| Not Provided |
109 | $54,200,000 |
$497,000 | $6,300,000 |
$247,000 | $4,314,000 |
| White |
693 | $215,212,000 |
$310,000 | $5,000,000 |
$196,000 | $9,999,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,367 | $474,652,000 |
$347,000 | $6,824,000 |
$173,000 | $9,999,000 |
| 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 |
230 | $77,081,000 |
$335,000 | $2,340,000 |
$229,000 | $9,999,000 |
| Application Denied By Financial Institution |
249 | $72,605,000 |
$291,000 | $6,300,000 |
$156,000 | $4,314,000 |
| Application Withdrawn By Applicant |
38 | $30,300,000 |
$797,000 | $5,724,000 |
$150,000 | $700,000 |
| File Closed For Incompleteness |
9 | $6,270,000 |
$696,000 | $1,700,000 |
$206,000 | $554,000 |
| Loan Originated |
783 | $266,044,000 |
$339,000 | $6,824,000 |
$176,000 | $9,999,000 |
| Loan Purchased By The Institution |
58 | $22,352,000 |
$385,000 | $2,000,000 |
$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 |
44 | $9,047,000 |
$205,000 | $924,000 |
$146,000 | $1,251,000 |
| Credit Application Incomplete |
2 | $482,000 |
$241,000 | $295,000 |
$123,000 | $167,000 |
| Credit History |
110 | $30,759,000 |
$279,000 | $6,300,000 |
$180,000 | $4,314,000 |
| Debt-To-Income Ratio |
66 | $21,864,000 |
$331,000 | $2,100,000 |
$102,000 | $901,000 |
| Employment History |
1 | $345,000 |
$345,000 | $345,000 |
$72,000 | $72,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
2 | $1,226,000 |
$613,000 | $626,000 |
$216,000 | $264,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
21 | $8,408,000 |
$400,000 | $1,500,000 |
$230,000 | $1,170,000 |
| Unverifiable Information |
3 | $474,000 |
$158,000 | $175,000 |
$66,000 | $125,000 |
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Mortgage Loan App Totals for CALIFORNIA BANK & TRUST by:
Metropolitan Area And
County
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