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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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SOUTH COUNTY BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
SOUTH COUNTY BANK |
| Address | 22342 AVENIDA EMPRESSA
RANCHO SANTA MARGARITA, CA 92688 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2005 |
| All Data Years | 2003 2004 2005 |
| Total Number of Mortgage Loan Applications Processed | 846 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $95,883,000 |
| Average Mortgage Loan Amount Applied For | $105,705 |
| Highest Mortgage Loan Amount Applied For | $1,000,000 |
| Average Applicant Income | $65,435 |
| Highest Applicant Income | $360,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
37 | $7,618,000 |
$211,076 | $1,000,000 |
$121,769 | $301,000 |
| Refinancing |
809 | $88,265,000 |
$107,159 | $660,000 |
$69,250 | $360,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
11 | $2,111,000 |
$149,750 | $660,000 |
$72,000 | $145,000 |
| Black or African American |
24 | $2,875,000 |
$109,727 | $340,000 |
$57,000 | $130,000 |
| Hispanic |
22 | $3,561,000 |
$189,500 | $1,000,000 |
$85,416 | $301,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $525,000 |
$525,000 | $525,000 |
$95,000 | $95,000 |
| Not applicable |
37 | $5,782,000 |
$201,833 | $349,000 |
$0 | $0 |
| Not Provided |
281 | $29,228,000 |
$114,242 | $577,000 |
$73,878 | $360,000 |
| White |
470 | $51,801,000 |
$111,270 | $500,000 |
$80,378 | $300,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
846 | $95,883,000 |
$109,250 | $1,000,000 |
$71,363 | $360,000 |
| 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 |
5 | $701,000 |
$140,200 | $212,000 |
$100,400 | $144,000 |
| Application Denied By Financial Institution |
298 | $31,641,000 |
$107,344 | $500,000 |
$62,172 | $288,000 |
| Application Withdrawn By Applicant |
431 | $49,242,000 |
$113,184 | $1,000,000 |
$76,710 | $301,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
75 | $8,517,000 |
$132,041 | $577,000 |
$105,875 | $360,000 |
| Loan Purchased By The Institution |
37 | $5,782,000 |
$201,833 | $349,000 |
$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 |
27 | $2,440,000 |
$103,200 | $451,000 |
$59,333 | $165,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
171 | $17,741,000 |
$111,826 | $380,000 |
$63,608 | $180,000 |
| Debt-To-Income Ratio |
87 | $9,183,000 |
$107,761 | $430,000 |
$46,571 | $133,000 |
| Employment History |
3 | $733,000 |
$244,333 | $500,000 |
$82,333 | $182,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
10 | $1,544,000 |
$141,125 | $408,000 |
$85,875 | $288,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for SOUTH COUNTY BANK by:
Metropolitan Area And
County
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