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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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OREGON PACIFIC BANKING COMPANY
Mortgage Loans and Application Details
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| Mortgage Company Name |
OREGON PACIFIC BANKING COMPANY |
| Address | P.O. BOX 22000 1355 HIGHWAY 101
FLORENCE, OR 97439 |
| Agency | Federal Reserve System (FRS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 239 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $31,157,000 |
| Average Mortgage Loan Amount Applied For | $146,538 |
| Highest Mortgage Loan Amount Applied For | $417,000 |
| Average Applicant Income | $78,769 |
| Highest Applicant Income | $901,000 |
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| Home Improvement |
20 | $1,376,000 |
$68,000 | $320,000 |
$48,000 | $147,000 |
| Home Purchase |
92 | $11,582,000 |
$125,000 | $348,000 |
$71,000 | $901,000 |
| Refinancing |
128 | $18,204,000 |
$142,000 | $417,000 |
$60,000 | $216,000 |
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| American Indian or Alaskan Native |
7 | $648,000 |
$92,000 | $155,000 |
$60,000 | $114,000 |
| Asian |
2 | $305,000 |
$152,000 | $260,000 |
$70,000 | $120,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
3 | $301,000 |
$100,000 | $140,000 |
$83,000 | $160,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
5 | $591,000 |
$118,000 | $226,000 |
$37,000 | $82,000 |
| White |
223 | $29,317,000 |
$131,000 | $417,000 |
$63,000 | $901,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
240 | $31,162,000 |
$129,000 | $417,000 |
$63,000 | $901,000 |
| 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 |
28 | $4,427,000 |
$158,000 | $410,000 |
$70,000 | $220,000 |
| Application Denied By Financial Institution |
70 | $8,351,000 |
$119,000 | $400,000 |
$45,000 | $146,000 |
| Application Withdrawn By Applicant |
29 | $4,828,000 |
$166,000 | $300,000 |
$100,000 | $901,000 |
| File Closed For Incompleteness |
2 | $352,000 |
$176,000 | $252,000 |
$123,000 | $216,000 |
| Loan Originated |
111 | $13,204,000 |
$118,000 | $417,000 |
$62,000 | $229,000 |
| 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 |
5 | $752,000 |
$150,000 | $272,000 |
$45,000 | $78,000 |
| Debt-To-Income Ratio |
1 | $58,000 |
$58,000 | $58,000 |
$75,000 | $75,000 |
| 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 |
2 | $176,000 |
$88,000 | $110,000 |
$83,000 | $112,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for OREGON PACIFIC BANKING COMPANY by:
Metropolitan Area And
County
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