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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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UMPQUA BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
UMPQUA BANK |
| Address | 6610 SW CARDINAL LANE
TIGARD, OR 97224 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 2,409 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $542,511,000 |
| Average Mortgage Loan Amount Applied For | $323,925 |
| Highest Mortgage Loan Amount Applied For | $11,000,000 |
| Average Applicant Income | $160,876 |
| Highest Applicant Income | $2,364,000 |
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| Home Improvement |
266 | $17,009,000 |
$63,000 | $1,700,000 |
$65,000 | $444,000 |
| Home Purchase |
1,305 | $309,949,000 |
$237,000 | $11,000,000 |
$88,000 | $1,367,000 |
| Refinancing |
1,065 | $256,109,000 |
$240,000 | $9,587,000 |
$105,000 | $2,364,000 |
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| American Indian or Alaskan Native |
33 | $4,289,000 |
$129,000 | $305,000 |
$61,000 | $144,000 |
| Asian |
47 | $10,029,000 |
$213,000 | $800,000 |
$85,000 | $304,000 |
| Black or African American |
33 | $5,177,000 |
$156,000 | $350,000 |
$55,000 | $128,000 |
| Hispanic |
113 | $17,333,000 |
$153,000 | $407,000 |
$59,000 | $264,000 |
| Native Hawaiin or Other Pacific Islander |
10 | $1,868,000 |
$186,000 | $305,000 |
$102,000 | $427,000 |
| Not applicable |
43 | $58,742,000 |
$1,366,000 | $11,000,000 |
$2,000 | $106,000 |
| Not Provided |
356 | $97,172,000 |
$272,000 | $4,000,000 |
$116,000 | $2,364,000 |
| White |
2,001 | $388,457,000 |
$194,000 | $1,880,000 |
$94,000 | $1,596,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
2,585 | $574,138,000 |
$222,000 | $11,000,000 |
$94,000 | $2,364,000 |
| FHA-insured (Federal Housing Administration) |
27 | $4,644,000 |
$172,000 | $267,000 |
$54,000 | $129,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
6 | $843,000 |
$140,000 | $201,000 |
$40,000 | $53,000 |
| VA-guaranteed (Veterans Administration) |
18 | $3,442,000 |
$191,000 | $270,000 |
$46,000 | $75,000 |
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| Application Approved But Not Accepted |
185 | $42,715,000 |
$230,000 | $1,285,000 |
$104,000 | $582,000 |
| Application Denied By Financial Institution |
220 | $49,461,000 |
$224,000 | $6,825,000 |
$74,000 | $1,042,000 |
| Application Withdrawn By Applicant |
263 | $63,068,000 |
$239,000 | $3,750,000 |
$125,000 | $1,740,000 |
| File Closed For Incompleteness |
49 | $16,109,000 |
$328,000 | $4,000,000 |
$171,000 | $2,364,000 |
| Loan Originated |
1,692 | $371,158,000 |
$219,000 | $11,000,000 |
$91,000 | $1,596,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
183 | $33,043,000 |
$180,000 | $800,000 |
$57,000 | $269,000 |
| Preapproval Denied by Financial Institution |
44 | $7,513,000 |
$170,000 | $520,000 |
$54,000 | $295,000 |
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| Collateral |
19 | $5,469,000 |
$287,000 | $1,750,000 |
$130,000 | $992,000 |
| Credit Application Incomplete |
10 | $2,703,000 |
$270,000 | $1,000,000 |
$152,000 | $304,000 |
| Credit History |
35 | $8,836,000 |
$252,000 | $1,275,000 |
$97,000 | $1,042,000 |
| Debt-To-Income Ratio |
31 | $7,741,000 |
$249,000 | $1,050,000 |
$52,000 | $243,000 |
| Employment History |
2 | $468,000 |
$234,000 | $360,000 |
$278,000 | $480,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
13 | $2,004,000 |
$154,000 | $400,000 |
$43,000 | $120,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
22 | $7,946,000 |
$361,000 | $1,260,000 |
$86,000 | $387,000 |
| Unverifiable Information |
1 | $140,000 |
$140,000 | $140,000 |
$54,000 | $54,000 |
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Mortgage Loan App Totals for UMPQUA BANK by:
Metropolitan Area And
County
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