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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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WESTERN SIERRA BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
WESTERN SIERRA BANK |
| Address | 2365 IRON POINT ROAD, SUITE 100
FOLSOM, CA 95630 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2005 |
| All Data Years | 2003 2004 2005 |
| Total Number of Mortgage Loan Applications Processed | 276 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $88,238,000 |
| Average Mortgage Loan Amount Applied For | $338,880 |
| Highest Mortgage Loan Amount Applied For | $1,265,000 |
| Average Applicant Income | $142,640 |
| Highest Applicant Income | $1,927,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
70 | $25,295,000 |
$361,250 | $1,265,000 |
$188,750 | $573,000 |
| Refinancing |
206 | $62,943,000 |
$305,000 | $1,210,000 |
$127,000 | $1,927,000 |
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| American Indian or Alaskan Native |
1 | $280,000 |
$280,000 | $280,000 |
$78,000 | $78,000 |
| Asian |
3 | $692,000 |
$230,000 | $260,000 |
$123,000 | $127,000 |
| Black or African American |
4 | $769,000 |
$192,000 | $214,000 |
$58,000 | $81,000 |
| Hispanic |
14 | $3,669,000 |
$262,000 | $787,000 |
$72,000 | $199,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $412,000 |
$412,000 | $412,000 |
$94,000 | $94,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
21 | $6,596,000 |
$314,000 | $675,000 |
$119,000 | $222,000 |
| White |
232 | $75,820,000 |
$352,500 | $1,265,000 |
$191,750 | $1,927,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
276 | $88,238,000 |
$350,750 | $1,265,000 |
$186,500 | $1,927,000 |
| 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 |
9 | $3,363,000 |
$373,000 | $1,100,000 |
$109,000 | $450,000 |
| Application Denied By Financial Institution |
6 | $2,504,000 |
$417,000 | $1,137,000 |
$146,000 | $420,000 |
| Application Withdrawn By Applicant |
35 | $11,408,000 |
$239,333 | $681,000 |
$89,666 | $420,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
226 | $70,963,000 |
$506,000 | $1,265,000 |
$301,000 | $1,927,000 |
| 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 |
1 | $1,137,000 |
$1,137,000 | $1,137,000 |
$420,000 | $420,000 |
| Debt-To-Income Ratio |
2 | $695,000 |
$347,000 | $455,000 |
$73,000 | $112,000 |
| 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 |
3 | $672,000 |
$224,000 | $280,000 |
$104,000 | $169,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for WESTERN SIERRA BANK by:
Metropolitan Area And
County
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