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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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SONOMA NATIONAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
SONOMA NATIONAL BANK |
| Address | 3558 ROUND BARN BLVD. SUITE 300
SANTA ROSA, CA 95403 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 63 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $40,990,000 |
| Average Mortgage Loan Amount Applied For | $588,000 |
| Highest Mortgage Loan Amount Applied For | $3,000,000 |
| Average Applicant Income | $40,666 |
| Highest Applicant Income | $759,000 |
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| Home Improvement |
1 | $420,000 |
$420,000 | $420,000 |
$86,000 | $86,000 |
| Home Purchase |
40 | $26,382,000 |
$659,000 | $3,000,000 |
$111,000 | $759,000 |
| Refinancing |
22 | $14,188,000 |
$644,000 | $1,875,000 |
$93,000 | $723,000 |
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| American Indian or Alaskan Native |
1 | $425,000 |
$425,000 | $425,000 |
$0 | $0 |
| Asian |
4 | $3,157,000 |
$789,000 | $1,050,000 |
$0 | $0 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
3 | $1,368,000 |
$456,000 | $520,000 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
17 | $8,361,000 |
$491,000 | $1,000,000 |
$0 | $0 |
| Not Provided |
8 | $4,456,000 |
$557,000 | $889,000 |
$64,000 | $186,000 |
| White |
30 | $23,223,000 |
$774,000 | $3,000,000 |
$203,000 | $759,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
63 | $40,990,000 |
$650,000 | $3,000,000 |
$105,000 | $759,000 |
| 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 |
4 | $3,343,000 |
$835,000 | $1,320,000 |
$308,000 | $636,000 |
| Application Denied By Financial Institution |
10 | $6,358,000 |
$635,000 | $1,152,000 |
$37,000 | $204,000 |
| Application Withdrawn By Applicant |
12 | $10,304,000 |
$858,000 | $3,000,000 |
$200,000 | $759,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
37 | $20,985,000 |
$567,000 | $1,875,000 |
$70,000 | $672,000 |
| 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 |
2 | $1,880,000 |
$940,000 | $1,152,000 |
$102,000 | $204,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
1 | $625,000 |
$625,000 | $625,000 |
$0 | $0 |
| Debt-To-Income Ratio |
2 | $1,127,000 |
$563,000 | $650,000 |
$40,000 | $81,000 |
| 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 |
5 | $2,726,000 |
$545,000 | $870,000 |
$18,000 | $70,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for SONOMA NATIONAL BANK by:
Metropolitan Area And
County
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