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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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WHEATLAND BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
WHEATLAND BANK |
| Address | 222 N WALL SUITE 100
SPOKANE, WA 99201 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 34 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $7,932,000 |
| Average Mortgage Loan Amount Applied For | $187,166 |
| Highest Mortgage Loan Amount Applied For | $1,300,000 |
| Average Applicant Income | $96,000 |
| Highest Applicant Income | $477,000 |
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| Home Improvement |
1 | $840,000 |
$840,000 | $840,000 |
$0 | $0 |
| Home Purchase |
19 | $4,368,000 |
$229,000 | $1,300,000 |
$86,000 | $477,000 |
| Refinancing |
15 | $2,824,000 |
$188,000 | $730,000 |
$80,000 | $242,000 |
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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 | $135,000 |
$135,000 | $135,000 |
$59,000 | $59,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
3 | $2,314,000 |
$771,000 | $1,300,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
31 | $5,583,000 |
$180,000 | $840,000 |
$90,000 | $477,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
35 | $8,032,000 |
$229,000 | $1,300,000 |
$81,000 | $477,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
13 | $2,481,000 |
$190,000 | $840,000 |
$76,000 | $477,000 |
| Application Withdrawn By Applicant |
10 | $3,311,000 |
$331,000 | $1,300,000 |
$82,000 | $168,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
12 | $2,240,000 |
$186,000 | $730,000 |
$87,000 | $242,000 |
| 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 |
5 | $512,000 |
$102,000 | $150,000 |
$121,000 | $477,000 |
| Debt-To-Income Ratio |
7 | $1,129,000 |
$161,000 | $290,000 |
$54,000 | $108,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $840,000 |
$840,000 | $840,000 |
$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 WHEATLAND BANK by:
Metropolitan Area And
County
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