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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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PACIFIC CAPITAL BANK, N.A.
Mortgage Loans and Application Details
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| Mortgage Company Name |
PACIFIC CAPITAL BANK, N.A. |
| Address | 1 S. LOS CARNEROS RD
GOLETA, CA 93117 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 1,782 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $621,704,000 |
| Average Mortgage Loan Amount Applied For | $430,800 |
| Highest Mortgage Loan Amount Applied For | $5,000,000 |
| Average Applicant Income | $255,750 |
| Highest Applicant Income | $2,353,000 |
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| Home Improvement |
391 | $84,790,000 |
$216,000 | $3,750,000 |
$129,000 | $1,500,000 |
| Home Purchase |
450 | $181,417,000 |
$403,000 | $3,430,000 |
$181,000 | $2,342,000 |
| Refinancing |
941 | $355,497,000 |
$377,000 | $5,000,000 |
$149,000 | $2,353,000 |
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| American Indian or Alaskan Native |
5 | $1,699,000 |
$339,000 | $950,000 |
$103,000 | $245,000 |
| Asian |
59 | $20,944,000 |
$354,000 | $1,610,000 |
$153,000 | $674,000 |
| Black or African American |
15 | $5,380,000 |
$358,000 | $589,000 |
$95,000 | $183,000 |
| Hispanic |
461 | $117,442,000 |
$254,000 | $1,820,000 |
$111,000 | $1,853,000 |
| Native Hawaiin or Other Pacific Islander |
8 | $3,425,000 |
$428,000 | $1,190,000 |
$168,000 | $370,000 |
| Not applicable |
15 | $17,966,000 |
$1,197,000 | $3,750,000 |
$4,000 | $70,000 |
| Not Provided |
75 | $26,454,000 |
$352,000 | $1,328,000 |
$129,000 | $813,000 |
| White |
1,144 | $428,394,000 |
$374,000 | $5,000,000 |
$174,000 | $2,353,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,782 | $621,704,000 |
$348,000 | $5,000,000 |
$153,000 | $2,353,000 |
| 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 |
60 | $18,708,000 |
$311,000 | $1,080,000 |
$131,000 | $430,000 |
| Application Denied By Financial Institution |
154 | $39,084,000 |
$253,000 | $1,300,000 |
$139,000 | $1,853,000 |
| Application Withdrawn By Applicant |
154 | $68,776,000 |
$446,000 | $2,450,000 |
$141,000 | $2,342,000 |
| File Closed For Incompleteness |
86 | $18,559,000 |
$215,000 | $960,000 |
$83,000 | $245,000 |
| Loan Originated |
1,328 | $476,577,000 |
$358,000 | $5,000,000 |
$162,000 | $2,353,000 |
| 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 |
46 | $13,888,000 |
$301,000 | $1,100,000 |
$199,000 | $1,853,000 |
| Credit Application Incomplete |
3 | $2,017,000 |
$672,000 | $1,190,000 |
$203,000 | $370,000 |
| Credit History |
37 | $7,221,000 |
$195,000 | $600,000 |
$102,000 | $444,000 |
| Debt-To-Income Ratio |
54 | $10,762,000 |
$199,000 | $1,300,000 |
$98,000 | $444,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $704,000 |
$704,000 | $704,000 |
$250,000 | $250,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
12 | $4,472,000 |
$372,000 | $1,000,000 |
$182,000 | $552,000 |
| Unverifiable Information |
1 | $20,000 |
$20,000 | $20,000 |
$180,000 | $180,000 |
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Mortgage Loan App Totals for PACIFIC CAPITAL BANK, N.A. by:
Metropolitan Area And
County
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