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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 TRUST BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
PACIFIC TRUST BANK |
| Address | 610 BAY BOULEVARD
CHULA VISTA, CA 91910 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 183 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $107,472,000 |
| Average Mortgage Loan Amount Applied For | $453,200 |
| Highest Mortgage Loan Amount Applied For | $3,300,000 |
| Average Applicant Income | $382,600 |
| Highest Applicant Income | $1,828,000 |
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| Home Improvement |
21 | $6,640,000 |
$316,000 | $1,650,000 |
$108,000 | $384,000 |
| Home Purchase |
82 | $46,572,000 |
$567,000 | $2,500,000 |
$286,000 | $1,828,000 |
| Refinancing |
80 | $54,260,000 |
$678,000 | $3,300,000 |
$234,000 | $1,548,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
3 | $2,417,000 |
$805,000 | $1,182,000 |
$185,000 | $287,000 |
| Black or African American |
2 | $1,460,000 |
$730,000 | $1,122,000 |
$189,000 | $308,000 |
| Hispanic |
25 | $9,857,000 |
$394,000 | $1,855,000 |
$220,000 | $1,548,000 |
| Native Hawaiin or Other Pacific Islander |
2 | $965,000 |
$482,000 | $625,000 |
$116,000 | $122,000 |
| Not applicable |
12 | $10,830,000 |
$902,000 | $1,925,000 |
$16,000 | $195,000 |
| Not Provided |
11 | $6,728,000 |
$611,000 | $2,500,000 |
$237,000 | $840,000 |
| White |
128 | $75,215,000 |
$587,000 | $3,300,000 |
$273,000 | $1,828,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
183 | $107,472,000 |
$587,000 | $3,300,000 |
$243,000 | $1,828,000 |
| 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 |
17 | $14,191,000 |
$834,000 | $3,300,000 |
$312,000 | $1,170,000 |
| Application Denied By Financial Institution |
6 | $2,592,000 |
$432,000 | $960,000 |
$164,000 | $360,000 |
| Application Withdrawn By Applicant |
14 | $8,707,000 |
$621,000 | $2,600,000 |
$241,000 | $963,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
146 | $81,982,000 |
$561,000 | $2,500,000 |
$238,000 | $1,828,000 |
| 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 |
1 | $637,000 |
$637,000 | $637,000 |
$360,000 | $360,000 |
| Credit Application Incomplete |
1 | $315,000 |
$315,000 | $315,000 |
$0 | $0 |
| Credit History |
1 | $960,000 |
$960,000 | $960,000 |
$216,000 | $216,000 |
| Debt-To-Income Ratio |
3 | $680,000 |
$226,000 | $505,000 |
$137,000 | $315,000 |
| 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 PACIFIC TRUST BANK by:
Metropolitan Area And
County
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