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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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WEST COAST BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
WEST COAST BANK |
| Address | PO BOX 8000
WILSONVILLE, OR 97070 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 831 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $158,662,000 |
| Average Mortgage Loan Amount Applied For | $259,500 |
| Highest Mortgage Loan Amount Applied For | $3,800,000 |
| Average Applicant Income | $105,520 |
| Highest Applicant Income | $2,135,000 |
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| Home Improvement |
109 | $7,306,000 |
$67,000 | $600,000 |
$74,000 | $531,000 |
| Home Purchase |
392 | $91,916,000 |
$234,000 | $2,000,000 |
$105,000 | $912,000 |
| Refinancing |
330 | $59,440,000 |
$180,000 | $3,800,000 |
$97,000 | $2,135,000 |
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| American Indian or Alaskan Native |
6 | $1,033,000 |
$172,000 | $450,000 |
$76,000 | $163,000 |
| Asian |
15 | $3,385,000 |
$225,000 | $451,000 |
$77,000 | $180,000 |
| Black or African American |
5 | $630,000 |
$126,000 | $449,000 |
$155,000 | $324,000 |
| Hispanic |
25 | $3,761,000 |
$150,000 | $1,000,000 |
$58,000 | $336,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $25,000 |
$25,000 | $25,000 |
$108,000 | $108,000 |
| Not applicable |
27 | $11,693,000 |
$433,000 | $3,264,000 |
$0 | $0 |
| Not Provided |
79 | $17,401,000 |
$220,000 | $1,359,000 |
$134,000 | $912,000 |
| White |
673 | $120,734,000 |
$179,000 | $3,800,000 |
$99,000 | $2,135,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
831 | $158,662,000 |
$190,000 | $3,800,000 |
$98,000 | $2,135,000 |
| 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 |
33 | $6,309,000 |
$191,000 | $1,000,000 |
$115,000 | $500,000 |
| Application Denied By Financial Institution |
109 | $12,963,000 |
$118,000 | $1,025,000 |
$62,000 | $480,000 |
| Application Withdrawn By Applicant |
77 | $15,992,000 |
$207,000 | $1,359,000 |
$111,000 | $560,000 |
| File Closed For Incompleteness |
1 | $132,000 |
$132,000 | $132,000 |
$58,000 | $58,000 |
| Loan Originated |
611 | $123,266,000 |
$201,000 | $3,800,000 |
$101,000 | $2,135,000 |
| 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 |
16 | $2,878,000 |
$179,000 | $995,000 |
$73,000 | $200,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
13 | $2,132,000 |
$164,000 | $375,000 |
$55,000 | $83,000 |
| Debt-To-Income Ratio |
6 | $916,000 |
$152,000 | $360,000 |
$52,000 | $85,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
1 | $626,000 |
$626,000 | $626,000 |
$309,000 | $309,000 |
| Other |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
1 | $135,000 |
$135,000 | $135,000 |
$30,000 | $30,000 |
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Mortgage Loan App Totals for WEST COAST BANK by:
Metropolitan Area And
County
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