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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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EVB
Mortgage Loans and Application Details
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| Mortgage Company Name |
EVB |
| Address | PO BOX 2400
TAPPAHANNOCK, VA 22560 |
| Agency | Federal Reserve System (FRS) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 703 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $62,230,000 |
| Average Mortgage Loan Amount Applied For | $130,902 |
| Highest Mortgage Loan Amount Applied For | $1,324,000 |
| Average Applicant Income | $77,560 |
| Highest Applicant Income | $1,400,000 |
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| Home Improvement |
311 | $7,689,000 |
$24,000 | $650,000 |
$42,000 | $414,000 |
| Home Purchase |
194 | $34,944,000 |
$180,000 | $1,324,000 |
$87,000 | $1,400,000 |
| Refinancing |
199 | $19,683,000 |
$98,000 | $550,000 |
$53,000 | $336,000 |
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| American Indian or Alaskan Native |
1 | $119,000 |
$119,000 | $119,000 |
$45,000 | $45,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
211 | $8,682,000 |
$41,000 | $480,000 |
$40,000 | $252,000 |
| Hispanic |
6 | $353,000 |
$58,000 | $83,000 |
$48,000 | $67,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
39 | $5,431,000 |
$139,000 | $335,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
447 | $47,731,000 |
$106,000 | $1,324,000 |
$71,000 | $1,400,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
704 | $62,316,000 |
$88,000 | $1,324,000 |
$58,000 | $1,400,000 |
| 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 |
19 | $1,127,000 |
$59,000 | $200,000 |
$47,000 | $143,000 |
| Application Denied By Financial Institution |
54 | $2,150,000 |
$39,000 | $260,000 |
$33,000 | $82,000 |
| Application Withdrawn By Applicant |
14 | $1,351,000 |
$96,000 | $360,000 |
$61,000 | $147,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
511 | $40,320,000 |
$78,000 | $1,324,000 |
$59,000 | $1,400,000 |
| Loan Purchased By The Institution |
106 | $17,368,000 |
$163,000 | $750,000 |
$67,000 | $350,000 |
| 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 |
2 | $177,000 |
$88,000 | $170,000 |
$44,000 | $52,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
42 | $1,425,000 |
$33,000 | $175,000 |
$30,000 | $61,000 |
| Debt-To-Income Ratio |
8 | $542,000 |
$67,000 | $260,000 |
$43,000 | $82,000 |
| Employment History |
2 | $6,000 |
$3,000 | $5,000 |
$27,000 | $32,000 |
| 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 EVB by:
Metropolitan Area And
County
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