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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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KITSAP BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
KITSAP BANK |
| Address | 619 BAY ST
PORT ORCHARD, WA 98366 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 439 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $65,116,000 |
| Average Mortgage Loan Amount Applied For | $164,363 |
| Highest Mortgage Loan Amount Applied For | $1,348,000 |
| Average Applicant Income | $91,909 |
| Highest Applicant Income | $908,000 |
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| Home Improvement |
140 | $6,092,000 |
$43,000 | $640,000 |
$58,000 | $407,000 |
| Home Purchase |
112 | $29,868,000 |
$266,000 | $780,000 |
$134,000 | $908,000 |
| Refinancing |
187 | $29,156,000 |
$155,000 | $1,348,000 |
$76,000 | $342,000 |
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| American Indian or Alaskan Native |
4 | $471,000 |
$117,000 | $308,000 |
$66,000 | $100,000 |
| Asian |
7 | $1,419,000 |
$202,000 | $356,000 |
$73,000 | $114,000 |
| Black or African American |
3 | $870,000 |
$290,000 | $640,000 |
$92,000 | $185,000 |
| Hispanic |
4 | $854,000 |
$213,000 | $300,000 |
$86,000 | $128,000 |
| Native Hawaiin or Other Pacific Islander |
2 | $50,000 |
$25,000 | $30,000 |
$40,000 | $58,000 |
| Not applicable |
3 | $2,375,000 |
$791,000 | $1,348,000 |
$0 | $0 |
| Not Provided |
48 | $6,173,000 |
$128,000 | $772,000 |
$73,000 | $420,000 |
| White |
368 | $52,904,000 |
$143,000 | $780,000 |
$88,000 | $908,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
435 | $64,312,000 |
$147,000 | $1,348,000 |
$85,000 | $908,000 |
| FHA-insured (Federal Housing Administration) |
3 | $509,000 |
$169,000 | $190,000 |
$47,000 | $63,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
1 | $295,000 |
$295,000 | $295,000 |
$114,000 | $114,000 |
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| Application Approved But Not Accepted |
41 | $7,331,000 |
$178,000 | $772,000 |
$98,000 | $420,000 |
| Application Denied By Financial Institution |
40 | $3,221,000 |
$80,000 | $480,000 |
$55,000 | $178,000 |
| Application Withdrawn By Applicant |
13 | $2,602,000 |
$200,000 | $750,000 |
$53,000 | $151,000 |
| File Closed For Incompleteness |
1 | $540,000 |
$540,000 | $540,000 |
$260,000 | $260,000 |
| Loan Originated |
344 | $51,422,000 |
$149,000 | $1,348,000 |
$88,000 | $908,000 |
| 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 |
5 | $484,000 |
$96,000 | $172,000 |
$55,000 | $94,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
22 | $1,055,000 |
$47,000 | $190,000 |
$58,000 | $178,000 |
| Debt-To-Income Ratio |
8 | $1,303,000 |
$162,000 | $480,000 |
$41,000 | $121,000 |
| Employment History |
3 | $89,000 |
$29,000 | $75,000 |
$59,000 | $90,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $155,000 |
$155,000 | $155,000 |
$45,000 | $45,000 |
| Unverifiable Information |
1 | $135,000 |
$135,000 | $135,000 |
$85,000 | $85,000 |
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Mortgage Loan App Totals for KITSAP BANK by:
Metropolitan Area And
County
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