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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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RABOBANK, N.A.
Mortgage Loans and Application Details
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| Mortgage Company Name |
RABOBANK, N.A. |
| Address | 2415 LA BRUCHERIE ROAD
IMPERIAL, CA 92251 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 345 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $62,349,000 |
| Average Mortgage Loan Amount Applied For | $390,736 |
| Highest Mortgage Loan Amount Applied For | $5,680,000 |
| Average Applicant Income | $69,052 |
| Highest Applicant Income | $2,207,000 |
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| Home Improvement |
206 | $18,036,000 |
$87,000 | $1,425,000 |
$84,000 | $2,207,000 |
| Home Purchase |
36 | $13,710,000 |
$380,000 | $2,120,000 |
$127,000 | $600,000 |
| Refinancing |
111 | $33,100,000 |
$298,000 | $5,680,000 |
$79,000 | $982,000 |
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| American Indian or Alaskan Native |
1 | $260,000 |
$260,000 | $260,000 |
$68,000 | $68,000 |
| Asian |
7 | $1,139,000 |
$162,000 | $500,000 |
$187,000 | $600,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
157 | $14,494,000 |
$92,000 | $738,000 |
$67,000 | $408,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
43 | $24,723,000 |
$574,000 | $5,680,000 |
$3,000 | $165,000 |
| Not Provided |
4 | $689,000 |
$172,000 | $356,000 |
$71,000 | $225,000 |
| White |
141 | $23,541,000 |
$166,000 | $1,425,000 |
$131,000 | $2,207,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
353 | $64,846,000 |
$183,000 | $5,680,000 |
$87,000 | $2,207,000 |
| 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 |
14 | $2,266,000 |
$161,000 | $575,000 |
$110,000 | $294,000 |
| Application Denied By Financial Institution |
79 | $11,375,000 |
$143,000 | $1,425,000 |
$74,000 | $982,000 |
| Application Withdrawn By Applicant |
4 | $620,000 |
$155,000 | $450,000 |
$92,000 | $132,000 |
| File Closed For Incompleteness |
3 | $457,000 |
$152,000 | $385,000 |
$84,000 | $91,000 |
| Loan Originated |
246 | $48,081,000 |
$195,000 | $5,680,000 |
$87,000 | $2,207,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
7 | $2,047,000 |
$292,000 | $500,000 |
$179,000 | $600,000 |
| Preapproval Denied by Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Collateral |
11 | $1,534,000 |
$139,000 | $335,000 |
$164,000 | $982,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
17 | $2,415,000 |
$142,000 | $540,000 |
$88,000 | $336,000 |
| Debt-To-Income Ratio |
48 | $5,546,000 |
$115,000 | $500,000 |
$51,000 | $198,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $1,425,000 |
$1,425,000 | $1,425,000 |
$72,000 | $72,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
2 | $455,000 |
$227,000 | $420,000 |
$9,000 | $18,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for RABOBANK, N.A. by:
Metropolitan Area And
County
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