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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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DESERT HILLS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
DESERT HILLS BANK |
| Address | 3001 E CAMELBACK ROAD
PHOENIX, AZ 85016 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 649 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $222,213,000 |
| Average Mortgage Loan Amount Applied For | $278,189 |
| Highest Mortgage Loan Amount Applied For | $3,100,000 |
| Average Applicant Income | $168,486 |
| Highest Applicant Income | $5,646,000 |
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| Home Improvement |
7 | $5,043,000 |
$720,000 | $3,100,000 |
$264,000 | $760,000 |
| Home Purchase |
373 | $140,162,000 |
$375,000 | $2,400,000 |
$160,000 | $1,154,000 |
| Refinancing |
269 | $77,008,000 |
$286,000 | $2,478,000 |
$376,000 | $5,646,000 |
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| American Indian or Alaskan Native |
3 | $801,000 |
$267,000 | $327,000 |
$108,000 | $132,000 |
| Asian |
12 | $9,161,000 |
$763,000 | $2,320,000 |
$227,000 | $460,000 |
| Black or African American |
9 | $1,469,000 |
$163,000 | $260,000 |
$60,000 | $88,000 |
| Hispanic |
42 | $12,103,000 |
$288,000 | $865,000 |
$172,000 | $540,000 |
| Native Hawaiin or Other Pacific Islander |
2 | $255,000 |
$127,000 | $202,000 |
$61,000 | $80,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
55 | $19,730,000 |
$358,000 | $2,400,000 |
$157,000 | $780,000 |
| White |
526 | $178,694,000 |
$339,000 | $3,100,000 |
$272,000 | $5,646,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
649 | $222,213,000 |
$342,000 | $3,100,000 |
$251,000 | $5,646,000 |
| 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 |
14 | $2,588,000 |
$184,000 | $695,000 |
$99,000 | $180,000 |
| Application Denied By Financial Institution |
41 | $11,918,000 |
$290,000 | $2,400,000 |
$68,000 | $618,000 |
| Application Withdrawn By Applicant |
74 | $28,540,000 |
$385,000 | $3,100,000 |
$130,000 | $760,000 |
| File Closed For Incompleteness |
16 | $5,035,000 |
$314,000 | $700,000 |
$192,000 | $557,000 |
| Loan Originated |
504 | $174,132,000 |
$345,000 | $2,320,000 |
$289,000 | $5,646,000 |
| 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 |
2 | $378,000 |
$189,000 | $248,000 |
$31,000 | $48,000 |
| 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 DESERT HILLS BANK by:
Metropolitan Area And
County
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