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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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CENTENNIAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
CENTENNIAL BANK |
| Address | 4605 S HARRISON BLVD SUITE #1
OGDEN, UT 84403 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 195 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $31,321,000 |
| Average Mortgage Loan Amount Applied For | $151,153 |
| Highest Mortgage Loan Amount Applied For | $600,000 |
| Average Applicant Income | $64,615 |
| Highest Applicant Income | $204,000 |
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| Home Improvement |
7 | $829,000 |
$118,000 | $248,000 |
$89,000 | $122,000 |
| Home Purchase |
130 | $20,302,000 |
$156,000 | $548,000 |
$68,000 | $204,000 |
| Refinancing |
58 | $10,190,000 |
$175,000 | $600,000 |
$70,000 | $204,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $128,000 |
$128,000 | $128,000 |
$46,000 | $46,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
10 | $1,100,000 |
$110,000 | $165,000 |
$49,000 | $108,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $243,000 |
$243,000 | $243,000 |
$88,000 | $88,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
1 | $360,000 |
$360,000 | $360,000 |
$204,000 | $204,000 |
| White |
182 | $29,490,000 |
$162,000 | $600,000 |
$70,000 | $204,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
157 | $25,738,000 |
$163,000 | $600,000 |
$74,000 | $204,000 |
| FHA-insured (Federal Housing Administration) |
34 | $4,736,000 |
$139,000 | $192,000 |
$50,000 | $204,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
4 | $847,000 |
$211,000 | $309,000 |
$58,000 | $75,000 |
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| Application Approved But Not Accepted |
10 | $1,320,000 |
$132,000 | $230,000 |
$60,000 | $96,000 |
| Application Denied By Financial Institution |
4 | $661,000 |
$165,000 | $282,000 |
$69,000 | $139,000 |
| Application Withdrawn By Applicant |
10 | $1,080,000 |
$108,000 | $249,000 |
$80,000 | $200,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
171 | $28,260,000 |
$165,000 | $600,000 |
$69,000 | $204,000 |
| 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 | $128,000 |
$128,000 | $128,000 |
$46,000 | $46,000 |
| Debt-To-Income Ratio |
1 | $140,000 |
$140,000 | $140,000 |
$60,000 | $60,000 |
| 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 |
1 | $111,000 |
$111,000 | $111,000 |
$31,000 | $31,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for CENTENNIAL BANK by:
Metropolitan Area And
County
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