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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 EMPIRE BANCORP, INC
Mortgage Loans and Application Details
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| Mortgage Company Name |
CALIFORNIA EMPIRE BANCORP, INC |
| Address | 10681 FOOTHILL BLVD. #200
RANCHO CUCAMONGA, CA 91730 |
| Agency | Department of Housing and Urban Development (HUD) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 7,139 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $1,934,800,000 |
| Average Mortgage Loan Amount Applied For | $291,590 |
| Highest Mortgage Loan Amount Applied For | $2,000,000 |
| Average Applicant Income | $101,840 |
| Highest Applicant Income | $2,308,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
2,758 | $655,344,000 |
$237,000 | $1,040,000 |
$125,000 | $2,308,000 |
| Refinancing |
4,381 | $1,279,456,000 |
$292,000 | $2,000,000 |
$110,000 | $1,200,000 |
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| American Indian or Alaskan Native |
34 | $10,769,000 |
$316,000 | $783,000 |
$165,000 | $613,000 |
| Asian |
243 | $73,663,000 |
$303,000 | $1,951,000 |
$141,000 | $540,000 |
| Black or African American |
440 | $124,673,000 |
$283,000 | $1,000,000 |
$125,000 | $1,200,000 |
| Hispanic |
3,962 | $979,626,000 |
$247,000 | $1,190,000 |
$101,000 | $1,200,000 |
| Native Hawaiin or Other Pacific Islander |
68 | $21,151,000 |
$311,000 | $900,000 |
$173,000 | $1,140,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
109 | $26,716,000 |
$245,000 | $1,000,000 |
$116,000 | $540,000 |
| White |
2,283 | $698,202,000 |
$305,000 | $2,000,000 |
$136,000 | $2,308,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
7,139 | $1,934,800,000 |
$271,000 | $2,000,000 |
$116,000 | $2,308,000 |
| 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 |
1,880 | $522,968,000 |
$278,000 | $2,000,000 |
$112,000 | $1,188,000 |
| Application Denied By Financial Institution |
1,440 | $379,858,000 |
$263,000 | $2,000,000 |
$132,000 | $2,308,000 |
| Application Withdrawn By Applicant |
95 | $24,294,000 |
$255,000 | $1,620,000 |
$144,000 | $1,200,000 |
| File Closed For Incompleteness |
839 | $236,287,000 |
$281,000 | $1,951,000 |
$133,000 | $1,164,000 |
| Loan Originated |
2,885 | $771,393,000 |
$267,000 | $1,000,000 |
$105,000 | $1,200,000 |
| 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 |
79 | $22,178,000 |
$280,000 | $1,800,000 |
$174,000 | $2,308,000 |
| Credit Application Incomplete |
5 | $1,394,000 |
$278,000 | $600,000 |
$114,000 | $198,000 |
| Credit History |
347 | $92,408,000 |
$266,000 | $1,350,000 |
$119,000 | $780,000 |
| Debt-To-Income Ratio |
110 | $28,737,000 |
$261,000 | $897,000 |
$107,000 | $276,000 |
| Employment History |
57 | $12,589,000 |
$220,000 | $635,000 |
$112,000 | $300,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
7 | $2,703,000 |
$386,000 | $950,000 |
$152,000 | $296,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
598 | $159,185,000 |
$266,000 | $1,500,000 |
$144,000 | $2,308,000 |
| Unverifiable Information |
151 | $38,247,000 |
$253,000 | $975,000 |
$125,000 | $456,000 |
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Mortgage Loan App Totals for CALIFORNIA EMPIRE BANCORP, INC by:
Metropolitan Area And
County
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