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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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STERLING SAVINGS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
STERLING SAVINGS BANK |
| Address | 111 N WALL
SPOKANE, WA 99201 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 2,090 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $166,710,000 |
| Average Mortgage Loan Amount Applied For | $86,375 |
| Highest Mortgage Loan Amount Applied For | $1,448,000 |
| Average Applicant Income | $79,291 |
| Highest Applicant Income | $9,999,000 |
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| Home Improvement |
954 | $52,050,000 |
$54,000 | $650,000 |
$61,000 | $522,000 |
| Home Purchase |
202 | $31,730,000 |
$157,000 | $1,448,000 |
$146,000 | $9,999,000 |
| Refinancing |
934 | $82,930,000 |
$88,000 | $650,000 |
$76,000 | $1,199,000 |
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| American Indian or Alaskan Native |
8 | $741,000 |
$92,000 | $200,000 |
$74,000 | $238,000 |
| Asian |
22 | $1,776,000 |
$80,000 | $205,000 |
$97,000 | $295,000 |
| Black or African American |
6 | $463,000 |
$77,000 | $140,000 |
$89,000 | $105,000 |
| Hispanic |
72 | $4,293,000 |
$59,000 | $250,000 |
$50,000 | $150,000 |
| Native Hawaiin or Other Pacific Islander |
3 | $795,000 |
$265,000 | $560,000 |
$74,000 | $96,000 |
| Not applicable |
24 | $5,331,000 |
$222,000 | $768,000 |
$64,000 | $224,000 |
| Not Provided |
204 | $17,426,000 |
$85,000 | $910,000 |
$62,000 | $621,000 |
| White |
1,751 | $135,885,000 |
$77,000 | $1,448,000 |
$78,000 | $9,999,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
2,090 | $166,710,000 |
$79,000 | $1,448,000 |
$76,000 | $9,999,000 |
| 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 |
147 | $11,686,000 |
$79,000 | $327,000 |
$67,000 | $414,000 |
| Application Denied By Financial Institution |
305 | $22,771,000 |
$74,000 | $910,000 |
$51,000 | $360,000 |
| Application Withdrawn By Applicant |
26 | $4,087,000 |
$157,000 | $796,000 |
$68,000 | $457,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
1,612 | $128,166,000 |
$79,000 | $1,448,000 |
$82,000 | $9,999,000 |
| 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 |
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 STERLING SAVINGS BANK by:
Metropolitan Area And
County
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