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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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STATE NATIONAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
STATE NATIONAL BANK |
| Address | 12902 E SPRAGUE AVE
SPOKANE VALLEY, WA 99216 |
| 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 | 21 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $3,939,000 |
| Average Mortgage Loan Amount Applied For | $189,714 |
| Highest Mortgage Loan Amount Applied For | $482,000 |
| Average Applicant Income | $52,428 |
| Highest Applicant Income | $166,000 |
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| Home Improvement |
1 | $21,000 |
$21,000 | $21,000 |
$14,000 | $14,000 |
| Home Purchase |
6 | $958,000 |
$159,000 | $312,000 |
$70,000 | $166,000 |
| Refinancing |
15 | $3,104,000 |
$206,000 | $482,000 |
$47,000 | $120,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
1 | $476,000 |
$476,000 | $476,000 |
$120,000 | $120,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
4 | $1,175,000 |
$293,000 | $482,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
17 | $2,432,000 |
$143,000 | $312,000 |
$60,000 | $166,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
22 | $4,083,000 |
$185,000 | $482,000 |
$52,000 | $166,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
3 | $600,000 |
$200,000 | $220,000 |
$58,000 | $112,000 |
| Application Withdrawn By Applicant |
6 | $1,343,000 |
$223,000 | $476,000 |
$71,000 | $120,000 |
| File Closed For Incompleteness |
1 | $142,000 |
$142,000 | $142,000 |
$60,000 | $60,000 |
| Loan Originated |
10 | $1,704,000 |
$170,000 | $482,000 |
$44,000 | $166,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
1 | $150,000 |
$150,000 | $150,000 |
$31,000 | $31,000 |
| Preapproval Denied by Financial Institution |
1 | $144,000 |
$144,000 | $144,000 |
$21,000 | $21,000 |
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| Collateral |
1 | $168,000 |
$168,000 | $168,000 |
$30,000 | $30,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
1 | $220,000 |
$220,000 | $220,000 |
$112,000 | $112,000 |
| Debt-To-Income Ratio |
1 | $212,000 |
$212,000 | $212,000 |
$34,000 | $34,000 |
| Employment History |
1 | $144,000 |
$144,000 | $144,000 |
$21,000 | $21,000 |
| 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 STATE NATIONAL BANK by:
Metropolitan Area And
County
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