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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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SIUSLAW BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
SIUSLAW BANK |
| Address | 777 HIGHWAY 101, PO BOX 280
FLORENCE, OR 97439 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 417 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $73,837,000 |
| Average Mortgage Loan Amount Applied For | $146,636 |
| Highest Mortgage Loan Amount Applied For | $2,680,000 |
| Average Applicant Income | $59,590 |
| Highest Applicant Income | $1,355,000 |
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| Home Improvement |
25 | $2,410,000 |
$96,000 | $364,000 |
$52,000 | $319,000 |
| Home Purchase |
350 | $62,012,000 |
$177,000 | $2,680,000 |
$62,000 | $1,355,000 |
| Refinancing |
86 | $16,137,000 |
$187,000 | $788,000 |
$78,000 | $1,062,000 |
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| American Indian or Alaskan Native |
5 | $373,000 |
$74,000 | $142,000 |
$39,000 | $59,000 |
| Asian |
7 | $1,591,000 |
$227,000 | $401,000 |
$64,000 | $175,000 |
| Black or African American |
4 | $620,000 |
$155,000 | $172,000 |
$39,000 | $51,000 |
| Hispanic |
30 | $4,102,000 |
$136,000 | $200,000 |
$39,000 | $65,000 |
| Native Hawaiin or Other Pacific Islander |
2 | $335,000 |
$167,000 | $195,000 |
$30,000 | $46,000 |
| Not applicable |
6 | $5,822,000 |
$970,000 | $2,680,000 |
$20,000 | $120,000 |
| Not Provided |
5 | $564,000 |
$112,000 | $238,000 |
$111,000 | $450,000 |
| White |
402 | $67,152,000 |
$167,000 | $788,000 |
$67,000 | $1,355,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
420 | $74,517,000 |
$177,000 | $2,680,000 |
$66,000 | $1,355,000 |
| FHA-insured (Federal Housing Administration) |
16 | $2,317,000 |
$144,000 | $191,000 |
$38,000 | $66,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
21 | $3,057,000 |
$145,000 | $243,000 |
$43,000 | $72,000 |
| VA-guaranteed (Veterans Administration) |
4 | $668,000 |
$167,000 | $238,000 |
$37,000 | $60,000 |
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| Application Approved But Not Accepted |
24 | $4,412,000 |
$183,000 | $788,000 |
$64,000 | $409,000 |
| Application Denied By Financial Institution |
64 | $10,787,000 |
$168,000 | $545,000 |
$51,000 | $281,000 |
| Application Withdrawn By Applicant |
26 | $5,097,000 |
$196,000 | $618,000 |
$113,000 | $1,062,000 |
| File Closed For Incompleteness |
21 | $3,673,000 |
$174,000 | $334,000 |
$55,000 | $202,000 |
| Loan Originated |
274 | $48,223,000 |
$175,000 | $2,680,000 |
$68,000 | $1,355,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
15 | $2,306,000 |
$153,000 | $288,000 |
$43,000 | $85,000 |
| Preapproval Denied by Financial Institution |
37 | $6,061,000 |
$163,000 | $359,000 |
$39,000 | $96,000 |
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| Collateral |
12 | $2,270,000 |
$189,000 | $545,000 |
$82,000 | $281,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
38 | $6,107,000 |
$160,000 | $359,000 |
$45,000 | $130,000 |
| Debt-To-Income Ratio |
37 | $6,404,000 |
$173,000 | $419,000 |
$37,000 | $95,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
2 | $430,000 |
$215,000 | $280,000 |
$50,000 | $58,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
9 | $1,328,000 |
$147,000 | $202,000 |
$54,000 | $103,000 |
| Unverifiable Information |
1 | $124,000 |
$124,000 | $124,000 |
$63,000 | $63,000 |
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Mortgage Loan App Totals for SIUSLAW BANK by:
Metropolitan Area And
County
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