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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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RIVER CITY BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
RIVER CITY BANK |
| Address | 2485 NATOMAS PARK DRIVE
SACRAMENTO, CA 95833 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 1,144 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $85,683,000 |
| Average Mortgage Loan Amount Applied For | $63,083 |
| Highest Mortgage Loan Amount Applied For | $1,120,000 |
| Average Applicant Income | $97,805 |
| Highest Applicant Income | $1,900,000 |
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| Home Improvement |
1,025 | $70,483,000 |
$68,000 | $500,000 |
$104,000 | $858,000 |
| Home Purchase |
10 | $4,043,000 |
$404,000 | $1,120,000 |
$470,000 | $1,900,000 |
| Refinancing |
109 | $11,157,000 |
$102,000 | $1,000,000 |
$97,000 | $650,000 |
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| American Indian or Alaskan Native |
10 | $789,000 |
$78,000 | $165,000 |
$132,000 | $315,000 |
| Asian |
79 | $7,419,000 |
$93,000 | $488,000 |
$144,000 | $858,000 |
| Black or African American |
32 | $1,964,000 |
$61,000 | $124,000 |
$100,000 | $206,000 |
| Hispanic |
178 | $9,884,000 |
$55,000 | $310,000 |
$96,000 | $276,000 |
| Native Hawaiin or Other Pacific Islander |
16 | $1,223,000 |
$76,000 | $200,000 |
$118,000 | $380,000 |
| Not applicable |
96 | $9,585,000 |
$99,000 | $560,000 |
$0 | $0 |
| Not Provided |
1 | $45,000 |
$45,000 | $45,000 |
$155,000 | $155,000 |
| White |
732 | $54,774,000 |
$74,000 | $1,120,000 |
$118,000 | $1,900,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,144 | $85,683,000 |
$74,000 | $1,120,000 |
$106,000 | $1,900,000 |
| 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 |
233 | $13,808,000 |
$59,000 | $250,000 |
$107,000 | $480,000 |
| Application Denied By Financial Institution |
157 | $13,928,000 |
$88,000 | $500,000 |
$98,000 | $430,000 |
| Application Withdrawn By Applicant |
2 | $87,000 |
$43,000 | $47,000 |
$116,000 | $143,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
752 | $57,860,000 |
$76,000 | $1,120,000 |
$108,000 | $1,900,000 |
| 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 RIVER CITY BANK by:
Metropolitan Area And
County
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