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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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F&M BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
F&M BANK |
| Address | 25 N. MULLAN RD STE. 200
SPOKANE, WA 99206 |
| Agency | Federal Reserve System (FRS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 150 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $16,815,000 |
| Average Mortgage Loan Amount Applied For | $136,000 |
| Highest Mortgage Loan Amount Applied For | $651,000 |
| Average Applicant Income | $80,222 |
| Highest Applicant Income | $435,000 |
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| Home Improvement |
28 | $527,000 |
$18,000 | $64,000 |
$42,000 | $99,000 |
| Home Purchase |
66 | $8,317,000 |
$126,000 | $651,000 |
$58,000 | $407,000 |
| Refinancing |
56 | $7,971,000 |
$142,000 | $480,000 |
$66,000 | $435,000 |
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| American Indian or Alaskan Native |
2 | $184,000 |
$92,000 | $120,000 |
$40,000 | $48,000 |
| Asian |
5 | $723,000 |
$144,000 | $196,000 |
$37,000 | $72,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
2 | $147,000 |
$73,000 | $81,000 |
$34,000 | $43,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
3 | $140,000 |
$46,000 | $113,000 |
$72,000 | $99,000 |
| White |
138 | $15,621,000 |
$113,000 | $651,000 |
$59,000 | $435,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
121 | $13,457,000 |
$111,000 | $651,000 |
$61,000 | $435,000 |
| FHA-insured (Federal Housing Administration) |
23 | $2,609,000 |
$113,000 | $203,000 |
$48,000 | $151,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
5 | $575,000 |
$115,000 | $138,000 |
$36,000 | $46,000 |
| VA-guaranteed (Veterans Administration) |
1 | $174,000 |
$174,000 | $174,000 |
$61,000 | $61,000 |
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| Application Approved But Not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
23 | $2,791,000 |
$121,000 | $400,000 |
$42,000 | $96,000 |
| Application Withdrawn By Applicant |
14 | $1,753,000 |
$125,000 | $191,000 |
$44,000 | $97,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
113 | $12,271,000 |
$108,000 | $651,000 |
$63,000 | $435,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 F&M BANK by:
Metropolitan Area And
County
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