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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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EVERGREEN FEDERAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
EVERGREEN FEDERAL BANK |
| Address | 969 S.E. SIXTH STREET
GRANTS PASS, OR 97526 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 225 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $38,240,000 |
| Average Mortgage Loan Amount Applied For | $163,875 |
| Highest Mortgage Loan Amount Applied For | $800,000 |
| Average Applicant Income | $111,750 |
| Highest Applicant Income | $766,000 |
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| Home Improvement |
46 | $3,083,000 |
$67,000 | $250,000 |
$62,000 | $553,000 |
| Home Purchase |
110 | $25,952,000 |
$235,000 | $800,000 |
$81,000 | $766,000 |
| Refinancing |
73 | $10,095,000 |
$138,000 | $500,000 |
$50,000 | $157,000 |
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| American Indian or Alaskan Native |
1 | $33,000 |
$33,000 | $33,000 |
$35,000 | $35,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
3 | $549,000 |
$183,000 | $325,000 |
$43,000 | $50,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
45 | $12,231,000 |
$271,000 | $800,000 |
$0 | $0 |
| Not Provided |
12 | $1,701,000 |
$141,000 | $244,000 |
$95,000 | $283,000 |
| White |
168 | $24,616,000 |
$146,000 | $560,000 |
$84,000 | $766,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
229 | $39,130,000 |
$170,000 | $800,000 |
$67,000 | $766,000 |
| 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 |
20 | $4,580,000 |
$229,000 | $800,000 |
$29,000 | $118,000 |
| Application Denied By Financial Institution |
39 | $6,107,000 |
$156,000 | $614,000 |
$47,000 | $167,000 |
| Application Withdrawn By Applicant |
9 | $1,207,000 |
$134,000 | $230,000 |
$85,000 | $404,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
158 | $26,871,000 |
$170,000 | $560,000 |
$76,000 | $766,000 |
| 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 |
3 | $365,000 |
$121,000 | $175,000 |
$54,000 | $110,000 |
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| Collateral |
6 | $780,000 |
$130,000 | $209,000 |
$74,000 | $167,000 |
| Credit Application Incomplete |
1 | $33,000 |
$33,000 | $33,000 |
$87,000 | $87,000 |
| Credit History |
7 | $594,000 |
$84,000 | $225,000 |
$37,000 | $69,000 |
| Debt-To-Income Ratio |
24 | $4,241,000 |
$176,000 | $525,000 |
$46,000 | $110,000 |
| Employment History |
1 | $35,000 |
$35,000 | $35,000 |
$20,000 | $20,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $614,000 |
$614,000 | $614,000 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
2 | $175,000 |
$87,000 | $150,000 |
$48,000 | $61,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for EVERGREEN FEDERAL BANK by:
Metropolitan Area And
County
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