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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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CENTRAL VALLEY BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
CENTRAL VALLEY BANK |
| Address | 100 N MAIN STREET
ELLENSBURG, WA 98926 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2004 |
| All Data Years | 2003 2004 |
| Total Number of Mortgage Loan Applications Processed | 45 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $6,297,000 |
| Average Mortgage Loan Amount Applied For | $123,250 |
| Highest Mortgage Loan Amount Applied For | $422,000 |
| Average Applicant Income | $113,500 |
| Highest Applicant Income | $287,000 |
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| Home Improvement |
4 | $150,000 |
$37,000 | $100,000 |
$89,000 | $287,000 |
| Home Purchase |
27 | $3,435,000 |
$127,000 | $422,000 |
$49,000 | $101,000 |
| Refinancing |
14 | $2,712,000 |
$193,000 | $360,000 |
$60,000 | $144,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $55,000 |
$55,000 | $55,000 |
$28,000 | $28,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
5 | $467,000 |
$93,000 | $165,000 |
$32,000 | $61,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
3 | $475,000 |
$158,000 | $300,000 |
$0 | $0 |
| Not Provided |
4 | $340,000 |
$85,000 | $125,000 |
$56,000 | $62,000 |
| White |
32 | $4,960,000 |
$155,000 | $422,000 |
$73,000 | $287,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
41 | $5,907,000 |
$144,000 | $422,000 |
$61,000 | $287,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
4 | $390,000 |
$97,000 | $120,000 |
$27,000 | $36,000 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
17 | $2,736,000 |
$160,000 | $422,000 |
$60,000 | $144,000 |
| Application Denied By Financial Institution |
11 | $1,127,000 |
$102,000 | $207,000 |
$45,000 | $80,000 |
| Application Withdrawn By Applicant |
5 | $751,000 |
$150,000 | $360,000 |
$59,000 | $120,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
12 | $1,683,000 |
$140,000 | $300,000 |
$66,000 | $287,000 |
| 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 |
2 | $145,000 |
$72,000 | $90,000 |
$45,000 | $62,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
5 | $557,000 |
$111,000 | $194,000 |
$49,000 | $75,000 |
| Debt-To-Income Ratio |
3 | $335,000 |
$111,000 | $207,000 |
$48,000 | $80,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
1 | $90,000 |
$90,000 | $90,000 |
$19,000 | $19,000 |
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Mortgage Loan App Totals for CENTRAL VALLEY BANK by:
Metropolitan Area And
County
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