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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 VALLEY BANK & TRUST
Mortgage Loans and Application Details
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| Mortgage Company Name |
SOUTH VALLEY BANK & TRUST |
| Address | 801 MAIN STREET
KLAMATH FALLS, OR 97601 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 316 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $99,514,000 |
| Average Mortgage Loan Amount Applied For | $633,222 |
| Highest Mortgage Loan Amount Applied For | $25,000,000 |
| Average Applicant Income | $677,055 |
| Highest Applicant Income | $5,477,000 |
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| Home Improvement |
48 | $4,472,000 |
$93,000 | $378,000 |
$89,000 | $358,000 |
| Home Purchase |
182 | $70,528,000 |
$387,000 | $25,000,000 |
$267,000 | $5,477,000 |
| Refinancing |
92 | $25,615,000 |
$278,000 | $6,730,000 |
$324,000 | $5,152,000 |
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| American Indian or Alaskan Native |
7 | $1,226,000 |
$175,000 | $290,000 |
$196,000 | $989,000 |
| Asian |
1 | $260,000 |
$260,000 | $260,000 |
$338,000 | $338,000 |
| Black or African American |
1 | $46,000 |
$46,000 | $46,000 |
$0 | $0 |
| Hispanic |
6 | $1,446,000 |
$241,000 | $456,000 |
$96,000 | $139,000 |
| Native Hawaiin or Other Pacific Islander |
2 | $123,000 |
$61,000 | $103,000 |
$53,000 | $57,000 |
| Not applicable |
35 | $36,174,000 |
$1,033,000 | $25,000,000 |
$0 | $0 |
| Not Provided |
24 | $12,834,000 |
$534,000 | $6,730,000 |
$300,000 | $2,582,000 |
| White |
246 | $48,506,000 |
$197,000 | $2,700,000 |
$297,000 | $5,477,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
318 | $100,148,000 |
$314,000 | $25,000,000 |
$260,000 | $5,477,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
4 | $467,000 |
$116,000 | $213,000 |
$32,000 | $39,000 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
21 | $4,221,000 |
$201,000 | $584,000 |
$140,000 | $1,306,000 |
| Application Denied By Financial Institution |
28 | $35,616,000 |
$1,272,000 | $25,000,000 |
$283,000 | $5,477,000 |
| Application Withdrawn By Applicant |
12 | $2,473,000 |
$206,000 | $900,000 |
$104,000 | $367,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
255 | $57,204,000 |
$224,000 | $2,700,000 |
$276,000 | $5,407,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
4 | $810,000 |
$202,000 | $380,000 |
$55,000 | $108,000 |
| Preapproval Denied by Financial Institution |
2 | $291,000 |
$145,000 | $200,000 |
$21,000 | $23,000 |
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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 SOUTH VALLEY BANK & TRUST by:
Metropolitan Area And
County
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