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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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NATIONAL BANK OF THE REDWOODS
Mortgage Loans and Application Details
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| Mortgage Company Name |
NATIONAL BANK OF THE REDWOODS |
| Address | 2170 NORTHPOINT PARKWAY
SANTA ROSA, CA 95407 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2004 |
| All Data Years | 2003 2004 |
| Total Number of Mortgage Loan Applications Processed | 67 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $30,095,000 |
| Average Mortgage Loan Amount Applied For | $790,666 |
| Highest Mortgage Loan Amount Applied For | $4,000,000 |
| Average Applicant Income | $238,222 |
| Highest Applicant Income | $4,869,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
38 | $17,827,000 |
$469,000 | $4,000,000 |
$155,000 | $1,256,000 |
| Refinancing |
29 | $12,268,000 |
$423,000 | $1,690,000 |
$248,000 | $4,869,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $160,000 |
$160,000 | $160,000 |
$204,000 | $204,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
5 | $1,239,000 |
$247,000 | $480,000 |
$42,000 | $82,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
1 | $545,000 |
$545,000 | $545,000 |
$0 | $0 |
| Not Provided |
3 | $806,000 |
$268,000 | $305,000 |
$83,000 | $95,000 |
| White |
57 | $27,345,000 |
$479,000 | $4,000,000 |
$235,000 | $4,869,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
67 | $30,095,000 |
$449,000 | $4,000,000 |
$195,000 | $4,869,000 |
| 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 |
8 | $3,187,000 |
$398,000 | $920,000 |
$166,000 | $403,000 |
| Application Denied By Financial Institution |
4 | $1,564,000 |
$391,000 | $541,000 |
$51,000 | $85,000 |
| Application Withdrawn By Applicant |
2 | $1,000,000 |
$500,000 | $600,000 |
$146,000 | $234,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
53 | $24,344,000 |
$459,000 | $4,000,000 |
$235,000 | $4,869,000 |
| 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 |
3 | $1,023,000 |
$341,000 | $536,000 |
$45,000 | $85,000 |
| Debt-To-Income Ratio |
1 | $541,000 |
$541,000 | $541,000 |
$68,000 | $68,000 |
| 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 NATIONAL BANK OF THE REDWOODS by:
Metropolitan Area And
County
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