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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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THE BANK OF COMMERCE
Mortgage Loans and Application Details
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| Mortgage Company Name |
THE BANK OF COMMERCE |
| Address | P.O. BOX 1887
IDAHO FALLS, ID 83403 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 337 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $37,869,000 |
| Average Mortgage Loan Amount Applied For | $126,785 |
| Highest Mortgage Loan Amount Applied For | $692,000 |
| Average Applicant Income | $72,214 |
| Highest Applicant Income | $800,000 |
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| Home Improvement |
14 | $433,000 |
$30,000 | $195,000 |
$87,000 | $529,000 |
| Home Purchase |
303 | $35,479,000 |
$117,000 | $692,000 |
$57,000 | $800,000 |
| Refinancing |
65 | $6,545,000 |
$100,000 | $322,000 |
$68,000 | $307,000 |
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| American Indian or Alaskan Native |
2 | $158,000 |
$79,000 | $79,000 |
$36,000 | $52,000 |
| Asian |
2 | $230,000 |
$115,000 | $120,000 |
$47,000 | $48,000 |
| Black or African American |
6 | $708,000 |
$118,000 | $130,000 |
$78,000 | $120,000 |
| Hispanic |
30 | $2,523,000 |
$84,000 | $263,000 |
$43,000 | $108,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $143,000 |
$143,000 | $143,000 |
$51,000 | $51,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
341 | $38,695,000 |
$113,000 | $692,000 |
$61,000 | $800,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
245 | $27,391,000 |
$111,000 | $692,000 |
$69,000 | $800,000 |
| FHA-insured (Federal Housing Administration) |
130 | $14,328,000 |
$110,000 | $203,000 |
$42,000 | $364,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
7 | $738,000 |
$105,000 | $263,000 |
$46,000 | $108,000 |
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| Application Approved But Not Accepted |
1 | $103,000 |
$103,000 | $103,000 |
$40,000 | $40,000 |
| Application Denied By Financial Institution |
53 | $5,428,000 |
$102,000 | $400,000 |
$39,000 | $144,000 |
| Application Withdrawn By Applicant |
40 | $4,234,000 |
$105,000 | $310,000 |
$47,000 | $145,000 |
| File Closed For Incompleteness |
5 | $551,000 |
$110,000 | $138,000 |
$41,000 | $63,000 |
| Loan Originated |
283 | $32,141,000 |
$113,000 | $692,000 |
$66,000 | $800,000 |
| 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 |
7 | $737,000 |
$105,000 | $158,000 |
$39,000 | $73,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
28 | $2,958,000 |
$105,000 | $400,000 |
$40,000 | $113,000 |
| Debt-To-Income Ratio |
10 | $1,005,000 |
$100,000 | $166,000 |
$38,000 | $81,000 |
| Employment History |
3 | $301,000 |
$100,000 | $117,000 |
$33,000 | $35,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
2 | $21,000 |
$10,000 | $16,000 |
$22,000 | $26,000 |
| Unverifiable Information |
2 | $332,000 |
$166,000 | $322,000 |
$75,000 | $144,000 |
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Mortgage Loan App Totals for THE BANK OF COMMERCE by:
Metropolitan Area And
County
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