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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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HERITAGE BANK OF NEVADA
Mortgage Loans and Application Details
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| Mortgage Company Name |
HERITAGE BANK OF NEVADA |
| Address | 1401 S VIRGINIA STREET
RENO, NV 89502 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 21 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $6,922,000 |
| Average Mortgage Loan Amount Applied For | $438,666 |
| Highest Mortgage Loan Amount Applied For | $1,800,000 |
| Average Applicant Income | $47,333 |
| Highest Applicant Income | $357,000 |
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| Home Improvement |
2 | $280,000 |
$140,000 | $250,000 |
$24,000 | $49,000 |
| Home Purchase |
8 | $3,699,000 |
$462,000 | $1,800,000 |
$51,000 | $230,000 |
| Refinancing |
11 | $2,943,000 |
$267,000 | $1,700,000 |
$90,000 | $357,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
1 | $50,000 |
$50,000 | $50,000 |
$48,000 | $48,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
6 | $3,088,000 |
$514,000 | $1,700,000 |
$0 | $0 |
| Not Provided |
1 | $250,000 |
$250,000 | $250,000 |
$89,000 | $89,000 |
| White |
13 | $3,534,000 |
$271,000 | $1,800,000 |
$101,000 | $357,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
21 | $6,922,000 |
$329,000 | $1,800,000 |
$69,000 | $357,000 |
| 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 |
1 | $375,000 |
$375,000 | $375,000 |
$0 | $0 |
| Application Denied By Financial Institution |
3 | $421,000 |
$140,000 | $171,000 |
$62,000 | $103,000 |
| Application Withdrawn By Applicant |
4 | $2,434,000 |
$608,000 | $1,800,000 |
$67,000 | $90,000 |
| File Closed For Incompleteness |
1 | $69,000 |
$69,000 | $69,000 |
$65,000 | $65,000 |
| Loan Originated |
12 | $3,623,000 |
$301,000 | $1,700,000 |
$77,000 | $357,000 |
| 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 |
2 | $321,000 |
$160,000 | $171,000 |
$51,000 | $103,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
1 | $100,000 |
$100,000 | $100,000 |
$85,000 | $85,000 |
| 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 HERITAGE BANK OF NEVADA by:
Metropolitan Area And
County
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