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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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PREMIER VALLEY BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
PREMIER VALLEY BANK |
| Address | 8355 N FRESNO ST #180
FRESNO, CA 93720 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 86 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $37,336,000 |
| Average Mortgage Loan Amount Applied For | $540,821 |
| Highest Mortgage Loan Amount Applied For | $2,780,000 |
| Average Applicant Income | $329,107 |
| Highest Applicant Income | $2,306,000 |
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| Home Improvement |
15 | $2,477,000 |
$165,000 | $800,000 |
$141,000 | $858,000 |
| Home Purchase |
43 | $17,081,000 |
$397,000 | $966,000 |
$316,000 | $2,306,000 |
| Refinancing |
30 | $18,769,000 |
$625,000 | $2,780,000 |
$273,000 | $1,170,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
8 | $4,369,000 |
$546,000 | $896,000 |
$285,000 | $858,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
6 | $3,324,000 |
$554,000 | $1,007,000 |
$585,000 | $2,306,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
3 | $3,568,000 |
$1,189,000 | $2,780,000 |
$436,000 | $1,170,000 |
| Not Provided |
12 | $4,550,000 |
$379,000 | $850,000 |
$185,000 | $456,000 |
| White |
59 | $22,516,000 |
$381,000 | $1,600,000 |
$247,000 | $1,533,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
87 | $38,022,000 |
$437,000 | $2,780,000 |
$273,000 | $2,306,000 |
| FHA-insured (Federal Housing Administration) |
1 | $305,000 |
$305,000 | $305,000 |
$148,000 | $148,000 |
| 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 |
1 | $210,000 |
$210,000 | $210,000 |
$51,000 | $51,000 |
| Application Denied By Financial Institution |
19 | $3,896,000 |
$205,000 | $700,000 |
$95,000 | $286,000 |
| Application Withdrawn By Applicant |
2 | $890,000 |
$445,000 | $850,000 |
$137,000 | $231,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
28 | $10,383,000 |
$370,000 | $2,780,000 |
$318,000 | $1,533,000 |
| Loan Purchased By The Institution |
38 | $22,948,000 |
$603,000 | $1,600,000 |
$339,000 | $2,306,000 |
| 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 |
10 | $2,409,000 |
$240,000 | $700,000 |
$91,000 | $270,000 |
| Debt-To-Income Ratio |
5 | $1,113,000 |
$222,000 | $339,000 |
$123,000 | $286,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
3 | $274,000 |
$91,000 | $194,000 |
$62,000 | $108,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $100,000 |
$100,000 | $100,000 |
$96,000 | $96,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for PREMIER VALLEY BANK by:
Metropolitan Area And
County
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