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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 COLUMBIA BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
THE COLUMBIA BANK |
| Address | 7168 COLUMBIA GATEWAY DR
COLUMBIA, MD 21046 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 650 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $89,276,000 |
| Average Mortgage Loan Amount Applied For | $141,852 |
| Highest Mortgage Loan Amount Applied For | $1,972,000 |
| Average Applicant Income | $136,764 |
| Highest Applicant Income | $2,042,000 |
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| Home Improvement |
243 | $21,568,000 |
$88,000 | $775,000 |
$75,000 | $624,000 |
| Home Purchase |
137 | $34,765,000 |
$253,000 | $1,972,000 |
$169,000 | $2,042,000 |
| Refinancing |
271 | $32,993,000 |
$121,000 | $1,125,000 |
$82,000 | $469,000 |
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| American Indian or Alaskan Native |
2 | $120,000 |
$60,000 | $80,000 |
$0 | $0 |
| Asian |
54 | $6,862,000 |
$127,000 | $620,000 |
$94,000 | $337,000 |
| Black or African American |
67 | $9,248,000 |
$138,000 | $1,428,000 |
$111,000 | $1,596,000 |
| Hispanic |
16 | $1,471,000 |
$91,000 | $242,000 |
$72,000 | $196,000 |
| Native Hawaiin or Other Pacific Islander |
3 | $590,000 |
$196,000 | $358,000 |
$85,000 | $115,000 |
| Not applicable |
31 | $19,061,000 |
$614,000 | $1,725,000 |
$0 | $0 |
| Not Provided |
39 | $4,182,000 |
$107,000 | $465,000 |
$88,000 | $400,000 |
| White |
439 | $47,792,000 |
$108,000 | $1,972,000 |
$106,000 | $2,042,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
648 | $88,819,000 |
$137,000 | $1,972,000 |
$98,000 | $2,042,000 |
| FHA-insured (Federal Housing Administration) |
1 | $150,000 |
$150,000 | $150,000 |
$250,000 | $250,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
2 | $357,000 |
$178,000 | $192,000 |
$53,000 | $56,000 |
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| Application Approved But Not Accepted |
112 | $16,287,000 |
$145,000 | $1,500,000 |
$131,000 | $1,510,000 |
| Application Denied By Financial Institution |
81 | $10,369,000 |
$128,000 | $1,428,000 |
$96,000 | $469,000 |
| Application Withdrawn By Applicant |
20 | $2,638,000 |
$131,000 | $496,000 |
$111,000 | $190,000 |
| File Closed For Incompleteness |
1 | $28,000 |
$28,000 | $28,000 |
$12,000 | $12,000 |
| Loan Originated |
421 | $57,068,000 |
$135,000 | $1,972,000 |
$90,000 | $2,042,000 |
| Loan Purchased By The Institution |
16 | $2,936,000 |
$183,000 | $308,000 |
$81,000 | $120,000 |
| 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 |
9 | $787,000 |
$87,000 | $188,000 |
$80,000 | $173,000 |
| Credit Application Incomplete |
1 | $96,000 |
$96,000 | $96,000 |
$0 | $0 |
| Credit History |
18 | $1,577,000 |
$87,000 | $244,000 |
$130,000 | $469,000 |
| Debt-To-Income Ratio |
40 | $5,979,000 |
$149,000 | $1,428,000 |
$95,000 | $312,000 |
| Employment History |
2 | $113,000 |
$56,000 | $61,000 |
$98,000 | $119,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
6 | $1,135,000 |
$189,000 | $620,000 |
$69,000 | $180,000 |
| Unverifiable Information |
5 | $682,000 |
$136,000 | $200,000 |
$69,000 | $142,000 |
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Mortgage Loan App Totals for THE COLUMBIA BANK by:
Metropolitan Area And
County
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