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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 COMMUNITY BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
CENTRAL VALLEY COMMUNITY BANK |
| Address | 7100 N FINANCIAL DRIVE SUITE 101
FRESNO, CA 93720 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 22 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $7,530,000 |
| Average Mortgage Loan Amount Applied For | $415,444 |
| Highest Mortgage Loan Amount Applied For | $1,120,000 |
| Average Applicant Income | $172,000 |
| Highest Applicant Income | $600,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
7 | $2,349,000 |
$335,000 | $424,000 |
$113,000 | $178,000 |
| Refinancing |
15 | $5,181,000 |
$345,000 | $1,120,000 |
$123,000 | $600,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $306,000 |
$306,000 | $306,000 |
$178,000 | $178,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
5 | $2,036,000 |
$407,000 | $507,000 |
$88,000 | $114,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
3 | $1,646,000 |
$548,000 | $1,120,000 |
$158,000 | $230,000 |
| White |
13 | $3,542,000 |
$272,000 | $572,000 |
$120,000 | $600,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
22 | $7,530,000 |
$342,000 | $1,120,000 |
$120,000 | $600,000 |
| 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 |
11 | $4,161,000 |
$378,000 | $572,000 |
$159,000 | $600,000 |
| Application Denied By Financial Institution |
6 | $1,554,000 |
$259,000 | $424,000 |
$76,000 | $178,000 |
| Application Withdrawn By Applicant |
2 | $500,000 |
$250,000 | $350,000 |
$46,000 | $59,000 |
| File Closed For Incompleteness |
1 | $1,120,000 |
$1,120,000 | $1,120,000 |
$230,000 | $230,000 |
| Loan Originated |
2 | $195,000 |
$97,000 | $162,000 |
$61,000 | $62,000 |
| 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 |
1 | $267,000 |
$267,000 | $267,000 |
$33,000 | $33,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
2 | $730,000 |
$365,000 | $424,000 |
$146,000 | $178,000 |
| Debt-To-Income Ratio |
1 | $212,000 |
$212,000 | $212,000 |
$54,000 | $54,000 |
| 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 | $190,000 |
$190,000 | $190,000 |
$65,000 | $65,000 |
| Unverifiable Information |
1 | $155,000 |
$155,000 | $155,000 |
$15,000 | $15,000 |
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Mortgage Loan App Totals for CENTRAL VALLEY COMMUNITY BANK by:
Metropolitan Area And
County
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