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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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CATAWBA VALLEY BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
CATAWBA VALLEY BANK |
| Address | 1039 2ND ST NE
HICKORY, NC 28601 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 133 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $19,644,000 |
| Average Mortgage Loan Amount Applied For | $231,294 |
| Highest Mortgage Loan Amount Applied For | $932,000 |
| Average Applicant Income | $126,117 |
| Highest Applicant Income | $2,165,000 |
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| Home Improvement |
4 | $55,000 |
$13,000 | $40,000 |
$41,000 | $77,000 |
| Home Purchase |
73 | $10,435,000 |
$142,000 | $932,000 |
$122,000 | $2,165,000 |
| Refinancing |
56 | $9,154,000 |
$163,000 | $465,000 |
$81,000 | $477,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
4 | $369,000 |
$92,000 | $180,000 |
$42,000 | $54,000 |
| Hispanic |
2 | $305,000 |
$152,000 | $296,000 |
$138,000 | $240,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
6 | $677,000 |
$112,000 | $308,000 |
$0 | $0 |
| Not Provided |
7 | $1,321,000 |
$188,000 | $465,000 |
$97,000 | $192,000 |
| White |
114 | $16,972,000 |
$148,000 | $932,000 |
$110,000 | $2,165,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
133 | $19,644,000 |
$147,000 | $932,000 |
$102,000 | $2,165,000 |
| 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 |
7 | $882,000 |
$126,000 | $186,000 |
$59,000 | $132,000 |
| Application Denied By Financial Institution |
4 | $74,000 |
$18,000 | $30,000 |
$26,000 | $36,000 |
| Application Withdrawn By Applicant |
5 | $606,000 |
$121,000 | $194,000 |
$50,000 | $67,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
117 | $18,082,000 |
$154,000 | $932,000 |
$110,000 | $2,165,000 |
| 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 |
1 | $30,000 |
$30,000 | $30,000 |
$33,000 | $33,000 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Employment History |
1 | $9,000 |
$9,000 | $9,000 |
$36,000 | $36,000 |
| 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 CATAWBA VALLEY BANK by:
Metropolitan Area And
County
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