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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 STATE BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
PACIFIC STATE BANK |
| Address | P O BOX 1649
STOCKTON, CA 95201-1649 |
| Agency | Federal Reserve System (FRS) |
| Year | 2006 |
| All Data Years | 2006 |
| Total Number of Mortgage Loan Applications Processed | 9 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $4,528,000 |
| Average Mortgage Loan Amount Applied For | $419,333 |
| Highest Mortgage Loan Amount Applied For | $1,500,000 |
| Average Applicant Income | $102,333 |
| Highest Applicant Income | $1,074,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
9 | $3,753,000 |
$417,000 | $750,000 |
$117,000 | $274,000 |
| Refinancing |
3 | $1,840,000 |
$613,000 | $1,500,000 |
$388,000 | $1,074,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
2 | $825,000 |
$412,000 | $600,000 |
$33,000 | $66,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
2 | $340,000 |
$170,000 | $240,000 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
1 | $613,000 |
$613,000 | $613,000 |
$0 | $0 |
| White |
7 | $3,815,000 |
$545,000 | $1,500,000 |
$307,000 | $1,074,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
12 | $5,593,000 |
$466,000 | $1,500,000 |
$184,000 | $1,074,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
3 | $565,000 |
$188,000 | $240,000 |
$0 | $0 |
| Application Withdrawn By Applicant |
2 | $840,000 |
$420,000 | $600,000 |
$78,000 | $90,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
7 | $4,188,000 |
$598,000 | $1,500,000 |
$294,000 | $1,074,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 PACIFIC STATE BANK by:
Metropolitan Area And
County
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