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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 STATE BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
COLUMBIA STATE BANK |
| Address | 5210 74TH ST. W., SUITE B
LAKEWOOD, WA 98499 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 464 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $83,644,000 |
| Average Mortgage Loan Amount Applied For | $279,628 |
| Highest Mortgage Loan Amount Applied For | $2,000,000 |
| Average Applicant Income | $244,228 |
| Highest Applicant Income | $7,500,000 |
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| Home Improvement |
118 | $8,073,000 |
$68,000 | $750,000 |
$143,000 | $2,879,000 |
| Home Purchase |
142 | $36,528,000 |
$257,000 | $2,000,000 |
$145,000 | $1,225,000 |
| Refinancing |
226 | $43,551,000 |
$192,000 | $1,434,000 |
$189,000 | $7,500,000 |
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| American Indian or Alaskan Native |
2 | $853,000 |
$426,000 | $600,000 |
$255,000 | $423,000 |
| Asian |
10 | $1,897,000 |
$189,000 | $500,000 |
$136,000 | $407,000 |
| Black or African American |
11 | $2,266,000 |
$206,000 | $541,000 |
$790,000 | $7,500,000 |
| Hispanic |
7 | $673,000 |
$96,000 | $259,000 |
$70,000 | $147,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $265,000 |
$265,000 | $265,000 |
$68,000 | $68,000 |
| Not applicable |
16 | $5,295,000 |
$330,000 | $1,219,000 |
$0 | $0 |
| Not Provided |
42 | $12,519,000 |
$298,000 | $2,000,000 |
$181,000 | $1,463,000 |
| White |
397 | $64,384,000 |
$162,000 | $1,434,000 |
$155,000 | $4,112,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
478 | $86,757,000 |
$181,000 | $2,000,000 |
$167,000 | $7,500,000 |
| FHA-insured (Federal Housing Administration) |
7 | $1,039,000 |
$148,000 | $193,000 |
$60,000 | $112,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
1 | $356,000 |
$356,000 | $356,000 |
$72,000 | $72,000 |
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| Application Approved But Not Accepted |
29 | $6,548,000 |
$225,000 | $600,000 |
$130,000 | $423,000 |
| Application Denied By Financial Institution |
66 | $12,887,000 |
$195,000 | $2,000,000 |
$83,000 | $771,000 |
| Application Withdrawn By Applicant |
26 | $7,616,000 |
$292,000 | $1,434,000 |
$417,000 | $7,500,000 |
| File Closed For Incompleteness |
1 | $140,000 |
$140,000 | $140,000 |
$109,000 | $109,000 |
| Loan Originated |
342 | $56,453,000 |
$165,000 | $1,219,000 |
$170,000 | $4,112,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
21 | $4,408,000 |
$209,000 | $409,000 |
$78,000 | $150,000 |
| Preapproval Denied by Financial Institution |
1 | $100,000 |
$100,000 | $100,000 |
$19,000 | $19,000 |
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| Collateral |
13 | $4,709,000 |
$362,000 | $2,000,000 |
$146,000 | $771,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
15 | $1,861,000 |
$124,000 | $537,000 |
$54,000 | $127,000 |
| Debt-To-Income Ratio |
26 | $4,758,000 |
$183,000 | $686,000 |
$75,000 | $300,000 |
| Employment History |
4 | $424,000 |
$106,000 | $210,000 |
$46,000 | $120,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
3 | $368,000 |
$122,000 | $195,000 |
$37,000 | $56,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
6 | $867,000 |
$144,000 | $379,000 |
$92,000 | $144,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for COLUMBIA STATE BANK by:
Metropolitan Area And
County
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