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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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LA JOLLA BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
LA JOLLA BANK |
| Address | 390 WEST VALLEY PKWY
ESCONDIDO, CA 92025 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 196 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $372,751,000 |
| Average Mortgage Loan Amount Applied For | $1,954,727 |
| Highest Mortgage Loan Amount Applied For | $8,518,000 |
| Average Applicant Income | $85,090 |
| Highest Applicant Income | $4,960,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
117 | $264,171,000 |
$2,257,000 | $8,518,000 |
$226,000 | $4,960,000 |
| Refinancing |
79 | $108,580,000 |
$1,374,000 | $6,500,000 |
$27,000 | $488,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
6 | $9,542,000 |
$1,590,000 | $2,845,000 |
$114,000 | $420,000 |
| Black or African American |
1 | $2,040,000 |
$2,040,000 | $2,040,000 |
$4,960,000 | $4,960,000 |
| Hispanic |
17 | $20,157,000 |
$1,185,000 | $4,298,000 |
$102,000 | $920,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $430,000 |
$430,000 | $430,000 |
$0 | $0 |
| Not applicable |
112 | $242,814,000 |
$2,167,000 | $8,518,000 |
$3,000 | $364,000 |
| Not Provided |
1 | $935,000 |
$935,000 | $935,000 |
$0 | $0 |
| White |
58 | $96,833,000 |
$1,669,000 | $7,125,000 |
$360,000 | $3,318,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
196 | $372,751,000 |
$1,901,000 | $8,518,000 |
$146,000 | $4,960,000 |
| 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 |
9 | $10,876,000 |
$1,208,000 | $3,455,000 |
$104,000 | $740,000 |
| Application Denied By Financial Institution |
11 | $26,915,000 |
$2,446,000 | $5,438,000 |
$298,000 | $1,800,000 |
| Application Withdrawn By Applicant |
25 | $60,982,000 |
$2,439,000 | $7,125,000 |
$150,000 | $2,060,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
151 | $273,978,000 |
$1,814,000 | $8,518,000 |
$136,000 | $4,960,000 |
| 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 |
3 | $9,360,000 |
$3,120,000 | $3,360,000 |
$762,000 | $1,800,000 |
| Credit Application Incomplete |
1 | $2,100,000 |
$2,100,000 | $2,100,000 |
$0 | $0 |
| Credit History |
2 | $8,917,000 |
$4,458,000 | $5,438,000 |
$406,000 | $812,000 |
| Debt-To-Income Ratio |
3 | $3,125,000 |
$1,041,000 | $1,600,000 |
$0 | $0 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
2 | $3,413,000 |
$1,706,000 | $2,400,000 |
$94,000 | $188,000 |
| 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 LA JOLLA BANK by:
Metropolitan Area And
County
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