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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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FIRST HERITAGE BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST HERITAGE BANK |
| Address | PO BOX 550/167 LINCOLN AVENUE
SNOHOMISH, WA 98290 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 46 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $9,835,000 |
| Average Mortgage Loan Amount Applied For | $287,833 |
| Highest Mortgage Loan Amount Applied For | $766,000 |
| Average Applicant Income | $180,166 |
| Highest Applicant Income | $1,700,000 |
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| Home Improvement |
5 | $198,000 |
$39,000 | $100,000 |
$69,000 | $155,000 |
| Home Purchase |
29 | $7,976,000 |
$275,000 | $766,000 |
$235,000 | $1,700,000 |
| Refinancing |
12 | $1,661,000 |
$138,000 | $711,000 |
$78,000 | $159,000 |
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| American Indian or Alaskan Native |
9 | $610,000 |
$67,000 | $283,000 |
$69,000 | $159,000 |
| Asian |
2 | $420,000 |
$210,000 | $365,000 |
$48,000 | $96,000 |
| Black or African American |
1 | $32,000 |
$32,000 | $32,000 |
$51,000 | $51,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
1 | $78,000 |
$78,000 | $78,000 |
$43,000 | $43,000 |
| Not applicable |
7 | $2,430,000 |
$347,000 | $499,000 |
$415,000 | $1,541,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
26 | $6,265,000 |
$240,000 | $766,000 |
$168,000 | $1,700,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
46 | $9,835,000 |
$213,000 | $766,000 |
$176,000 | $1,700,000 |
| 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 |
2 | $478,000 |
$239,000 | $300,000 |
$35,000 | $55,000 |
| Application Denied By Financial Institution |
3 | $1,001,000 |
$333,000 | $711,000 |
$74,000 | $137,000 |
| Application Withdrawn By Applicant |
1 | $131,000 |
$131,000 | $131,000 |
$120,000 | $120,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
40 | $8,225,000 |
$205,000 | $766,000 |
$192,000 | $1,700,000 |
| 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 FIRST HERITAGE BANK by:
Metropolitan Area And
County
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