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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 INDEPENDENT BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
IDAHO INDEPENDENT BANK |
| Address | 1260 WEST RIVERSTONE DRIVE
COEUR D ALENE, ID 83814 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 552 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $111,476,000 |
| Average Mortgage Loan Amount Applied For | $171,250 |
| Highest Mortgage Loan Amount Applied For | $1,680,000 |
| Average Applicant Income | $110,611 |
| Highest Applicant Income | $7,178,000 |
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| Home Improvement |
49 | $7,855,000 |
$160,000 | $520,000 |
$99,000 | $287,000 |
| Home Purchase |
382 | $83,075,000 |
$217,000 | $1,680,000 |
$157,000 | $7,178,000 |
| Refinancing |
121 | $20,546,000 |
$169,000 | $762,000 |
$95,000 | $700,000 |
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| American Indian or Alaskan Native |
1 | $60,000 |
$60,000 | $60,000 |
$114,000 | $114,000 |
| Asian |
7 | $1,121,000 |
$160,000 | $369,000 |
$81,000 | $115,000 |
| Black or African American |
1 | $217,000 |
$217,000 | $217,000 |
$78,000 | $78,000 |
| Hispanic |
13 | $1,950,000 |
$150,000 | $310,000 |
$89,000 | $555,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $263,000 |
$263,000 | $263,000 |
$80,000 | $80,000 |
| Not applicable |
2 | $154,000 |
$77,000 | $81,000 |
$0 | $0 |
| Not Provided |
12 | $4,326,000 |
$360,000 | $926,000 |
$126,000 | $499,000 |
| White |
515 | $103,385,000 |
$200,000 | $1,680,000 |
$141,000 | $7,178,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
510 | $104,752,000 |
$205,000 | $1,680,000 |
$145,000 | $7,178,000 |
| FHA-insured (Federal Housing Administration) |
31 | $4,399,000 |
$141,000 | $222,000 |
$54,000 | $187,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
11 | $2,325,000 |
$211,000 | $345,000 |
$62,000 | $88,000 |
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| Application Approved But Not Accepted |
48 | $8,896,000 |
$185,000 | $500,000 |
$84,000 | $225,000 |
| Application Denied By Financial Institution |
36 | $5,079,000 |
$141,000 | $625,000 |
$62,000 | $239,000 |
| Application Withdrawn By Applicant |
21 | $7,937,000 |
$377,000 | $1,680,000 |
$246,000 | $996,000 |
| File Closed For Incompleteness |
2 | $287,000 |
$143,000 | $147,000 |
$34,000 | $38,000 |
| Loan Originated |
445 | $89,277,000 |
$200,000 | $1,330,000 |
$145,000 | $7,178,000 |
| 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 INDEPENDENT BANK by:
Metropolitan Area And
County
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