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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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VALLEY BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
VALLEY BANK |
| Address | 1300 S. JONES
LAS VEGAS, NV 89146 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2005 |
| All Data Years | 2004 2005 |
| Total Number of Mortgage Loan Applications Processed | 16 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $2,979,000 |
| Average Mortgage Loan Amount Applied For | $218,000 |
| Highest Mortgage Loan Amount Applied For | $500,000 |
| Average Applicant Income | $49,333 |
| Highest Applicant Income | $187,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
4 | $906,000 |
$247,000 | $289,000 |
$33,000 | $72,000 |
| Refinancing |
12 | $2,073,000 |
$172,000 | $500,000 |
$83,000 | $187,000 |
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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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
1 | $200,000 |
$200,000 | $200,000 |
$187,000 | $187,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
2 | $320,000 |
$160,000 | $212,000 |
$59,000 | $70,000 |
| White |
13 | $2,459,000 |
$234,500 | $500,000 |
$35,500 | $136,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
16 | $2,979,000 |
$234,000 | $500,000 |
$39,000 | $187,000 |
| 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 |
3 | $527,000 |
$175,000 | $212,000 |
$84,000 | $123,000 |
| Application Denied By Financial Institution |
4 | $1,032,000 |
$258,000 | $500,000 |
$56,000 | $90,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
9 | $1,420,000 |
$215,000 | $289,000 |
$46,500 | $187,000 |
| 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 |
2 | $308,000 |
$154,000 | $200,000 |
$53,000 | $57,000 |
| Debt-To-Income Ratio |
2 | $724,000 |
$362,000 | $500,000 |
$59,000 | $90,000 |
| 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 VALLEY BANK by:
Metropolitan Area And
County
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