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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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IDAHO BANKING COMPANY
Mortgage Loans and Application Details
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| Mortgage Company Name |
IDAHO BANKING COMPANY |
| Address | 7661 W RIVERSIDE, SUITE 201
BOISE, ID 83714 |
| Agency | Federal Reserve System (FRS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 175 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $32,222,000 |
| Average Mortgage Loan Amount Applied For | $272,000 |
| Highest Mortgage Loan Amount Applied For | $1,500,000 |
| Average Applicant Income | $110,266 |
| Highest Applicant Income | $510,000 |
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| Home Improvement |
7 | $188,000 |
$26,000 | $78,000 |
$97,000 | $204,000 |
| Home Purchase |
64 | $11,520,000 |
$180,000 | $750,000 |
$74,000 | $283,000 |
| Refinancing |
104 | $20,514,000 |
$197,000 | $1,500,000 |
$100,000 | $510,000 |
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| American Indian or Alaskan Native |
2 | $162,000 |
$81,000 | $130,000 |
$121,000 | $121,000 |
| Asian |
4 | $875,000 |
$218,000 | $260,000 |
$60,000 | $84,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
2 | $670,000 |
$335,000 | $525,000 |
$0 | $0 |
| Not Provided |
7 | $1,688,000 |
$241,000 | $750,000 |
$75,000 | $283,000 |
| White |
160 | $28,827,000 |
$180,000 | $1,500,000 |
$93,000 | $510,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
175 | $32,222,000 |
$184,000 | $1,500,000 |
$91,000 | $510,000 |
| 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 |
41 | $7,168,000 |
$174,000 | $750,000 |
$70,000 | $283,000 |
| Application Denied By Financial Institution |
9 | $856,000 |
$95,000 | $195,000 |
$44,000 | $140,000 |
| Application Withdrawn By Applicant |
34 | $6,003,000 |
$176,000 | $800,000 |
$62,000 | $233,000 |
| File Closed For Incompleteness |
2 | $440,000 |
$220,000 | $280,000 |
$14,000 | $29,000 |
| Loan Originated |
89 | $17,755,000 |
$199,000 | $1,500,000 |
$117,000 | $510,000 |
| 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 IDAHO BANKING COMPANY by:
Metropolitan Area And
County
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