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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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COMMERCIAL CAPITAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
COMMERCIAL CAPITAL BANK |
| Address | 8105 IRVINE CENTER DR 1500
IRVINE, CA 92618 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2005 |
| All Data Years | 2003 2004 2005 |
| Total Number of Mortgage Loan Applications Processed | 1,224 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $1,862,167,000 |
| Average Mortgage Loan Amount Applied For | $1,675,967 |
| Highest Mortgage Loan Amount Applied For | $18,500,000 |
| Average Applicant Income | $152,838 |
| Highest Applicant Income | $5,842,000 |
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| Home Improvement |
31 | $20,720,000 |
$668,000 | $1,550,000 |
$284,000 | $1,320,000 |
| Home Purchase |
577 | $936,888,000 |
$2,542,333 | $18,500,000 |
$121,333 | $5,842,000 |
| Refinancing |
616 | $904,559,000 |
$1,629,250 | $15,500,000 |
$83,500 | $2,222,000 |
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| American Indian or Alaskan Native |
1 | $575,000 |
$575,000 | $575,000 |
$126,000 | $126,000 |
| Asian |
30 | $34,637,000 |
$1,154,000 | $2,550,000 |
$395,000 | $1,336,000 |
| Black or African American |
16 | $9,855,000 |
$615,000 | $2,500,000 |
$224,000 | $655,000 |
| Hispanic |
44 | $37,423,000 |
$850,000 | $2,655,000 |
$279,000 | $1,480,000 |
| Native Hawaiin or Other Pacific Islander |
4 | $3,374,000 |
$843,000 | $1,892,000 |
$246,000 | $600,000 |
| Not applicable |
574 | $1,039,322,000 |
$2,323,800 | $18,500,000 |
$19,800 | $2,042,000 |
| Not Provided |
35 | $52,757,000 |
$1,507,000 | $7,000,000 |
$386,000 | $1,320,000 |
| White |
520 | $684,224,000 |
$1,315,000 | $6,000,000 |
$460,000 | $5,842,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,224 | $1,862,167,000 |
$2,268,000 | $18,500,000 |
$68,800 | $5,842,000 |
| 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 |
52 | $73,818,000 |
$1,419,000 | $3,000,000 |
$404,000 | $1,320,000 |
| Application Denied By Financial Institution |
174 | $226,690,000 |
$1,400,500 | $4,340,000 |
$208,500 | $2,291,000 |
| Application Withdrawn By Applicant |
58 | $81,133,000 |
$2,375,000 | $7,000,000 |
$130,000 | $1,440,000 |
| File Closed For Incompleteness |
50 | $70,463,000 |
$1,453,500 | $4,750,000 |
$166,000 | $2,100,000 |
| Loan Originated |
890 | $1,410,063,000 |
$2,405,200 | $18,500,000 |
$58,400 | $5,842,000 |
| 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 |
50 | $70,468,000 |
$1,409,000 | $4,340,000 |
$463,000 | $2,291,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
39 | $56,631,000 |
$1,475,000 | $2,850,000 |
$214,500 | $1,320,000 |
| Debt-To-Income Ratio |
40 | $49,387,000 |
$1,234,000 | $3,575,000 |
$419,000 | $1,348,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
2 | $2,025,000 |
$1,012,000 | $1,725,000 |
$263,000 | $527,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
35 | $33,623,000 |
$960,000 | $1,995,000 |
$316,000 | $720,000 |
| Unverifiable Information |
8 | $14,556,000 |
$1,819,000 | $3,000,000 |
$590,000 | $1,260,000 |
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Mortgage Loan App Totals for COMMERCIAL CAPITAL BANK by:
Metropolitan Area And
County
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