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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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CIRCLE BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
CIRCLE BANK |
| Address | 1400 GRANT AVENUE
NOVATO, CA 94945 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 127 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $82,632,000 |
| Average Mortgage Loan Amount Applied For | $829,636 |
| Highest Mortgage Loan Amount Applied For | $4,000,000 |
| Average Applicant Income | $35,636 |
| Highest Applicant Income | $972,000 |
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| Home Improvement |
3 | $928,000 |
$309,000 | $750,000 |
$21,000 | $41,000 |
| Home Purchase |
78 | $58,617,000 |
$751,000 | $3,700,000 |
$84,000 | $972,000 |
| Refinancing |
46 | $23,087,000 |
$501,000 | $4,000,000 |
$106,000 | $328,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
13 | $7,241,000 |
$557,000 | $1,330,000 |
$86,000 | $388,000 |
| Black or African American |
2 | $680,000 |
$340,000 | $510,000 |
$19,000 | $39,000 |
| Hispanic |
6 | $3,068,000 |
$511,000 | $1,250,000 |
$69,000 | $144,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $300,000 |
$300,000 | $300,000 |
$160,000 | $160,000 |
| Not applicable |
10 | $16,563,000 |
$1,656,000 | $3,700,000 |
$7,000 | $73,000 |
| Not Provided |
15 | $9,029,000 |
$601,000 | $2,307,000 |
$125,000 | $972,000 |
| White |
80 | $45,751,000 |
$571,000 | $4,000,000 |
$98,000 | $657,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
127 | $82,632,000 |
$650,000 | $4,000,000 |
$90,000 | $972,000 |
| 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 |
10 | $4,917,000 |
$491,000 | $1,350,000 |
$104,000 | $388,000 |
| Application Denied By Financial Institution |
9 | $9,870,000 |
$1,096,000 | $2,000,000 |
$15,000 | $113,000 |
| Application Withdrawn By Applicant |
12 | $5,878,000 |
$489,000 | $975,000 |
$103,000 | $657,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
96 | $61,967,000 |
$645,000 | $4,000,000 |
$94,000 | $972,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for CIRCLE BANK by:
Metropolitan Area And
County
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