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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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COLUMBIA RIVER BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
COLUMBIA RIVER BANK |
| Address | 401 E THIRD STREET
THE DALLES, OR 97058 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 754 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $141,316,000 |
| Average Mortgage Loan Amount Applied For | $201,163 |
| Highest Mortgage Loan Amount Applied For | $3,100,000 |
| Average Applicant Income | $92,448 |
| Highest Applicant Income | $787,000 |
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| Home Improvement |
68 | $9,091,000 |
$133,000 | $720,000 |
$84,000 | $490,000 |
| Home Purchase |
341 | $62,750,000 |
$184,000 | $3,100,000 |
$85,000 | $787,000 |
| Refinancing |
347 | $69,565,000 |
$200,000 | $1,000,000 |
$92,000 | $768,000 |
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| American Indian or Alaskan Native |
7 | $1,385,000 |
$197,000 | $540,000 |
$92,000 | $262,000 |
| Asian |
8 | $1,194,000 |
$149,000 | $380,000 |
$119,000 | $462,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
45 | $5,222,000 |
$116,000 | $519,000 |
$51,000 | $264,000 |
| Native Hawaiin or Other Pacific Islander |
2 | $369,000 |
$184,000 | $226,000 |
$54,000 | $77,000 |
| Not applicable |
7 | $1,063,000 |
$151,000 | $205,000 |
$12,000 | $85,000 |
| Not Provided |
47 | $8,905,000 |
$189,000 | $749,000 |
$82,000 | $462,000 |
| White |
640 | $123,268,000 |
$192,000 | $3,100,000 |
$92,000 | $787,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
739 | $138,863,000 |
$187,000 | $3,100,000 |
$89,000 | $787,000 |
| FHA-insured (Federal Housing Administration) |
16 | $2,380,000 |
$148,000 | $289,000 |
$49,000 | $80,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
1 | $163,000 |
$163,000 | $163,000 |
$47,000 | $47,000 |
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| Application Approved But Not Accepted |
35 | $7,212,000 |
$206,000 | $553,000 |
$97,000 | $270,000 |
| Application Denied By Financial Institution |
21 | $2,456,000 |
$116,000 | $350,000 |
$70,000 | $198,000 |
| Application Withdrawn By Applicant |
131 | $22,936,000 |
$175,000 | $635,000 |
$85,000 | $636,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
569 | $108,802,000 |
$191,000 | $3,100,000 |
$89,000 | $787,000 |
| 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 |
5 | $717,000 |
$143,000 | $302,000 |
$117,000 | $198,000 |
| Credit Application Incomplete |
1 | $20,000 |
$20,000 | $20,000 |
$68,000 | $68,000 |
| Credit History |
3 | $150,000 |
$50,000 | $90,000 |
$65,000 | $128,000 |
| Debt-To-Income Ratio |
10 | $897,000 |
$89,000 | $211,000 |
$43,000 | $142,000 |
| Employment History |
1 | $350,000 |
$350,000 | $350,000 |
$141,000 | $141,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $322,000 |
$322,000 | $322,000 |
$49,000 | $49,000 |
| 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 COLUMBIA RIVER BANK by:
Metropolitan Area And
County
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