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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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WHIDBEY ISLAND BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
WHIDBEY ISLAND BANK |
| Address | PO BOX 7001
OAK HARBOR, WA 98277 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 674 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $158,330,000 |
| Average Mortgage Loan Amount Applied For | $221,000 |
| Highest Mortgage Loan Amount Applied For | $1,885,000 |
| Average Applicant Income | $391,466 |
| Highest Applicant Income | $3,396,000 |
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| Home Improvement |
62 | $5,419,000 |
$87,000 | $400,000 |
$58,000 | $240,000 |
| Home Purchase |
224 | $56,669,000 |
$252,000 | $1,885,000 |
$125,000 | $3,396,000 |
| Refinancing |
388 | $96,242,000 |
$248,000 | $1,200,000 |
$89,000 | $1,568,000 |
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| American Indian or Alaskan Native |
5 | $979,000 |
$195,000 | $344,000 |
$61,000 | $101,000 |
| Asian |
9 | $2,453,000 |
$272,000 | $1,025,000 |
$77,000 | $283,000 |
| Black or African American |
2 | $506,000 |
$253,000 | $356,000 |
$69,000 | $96,000 |
| Hispanic |
11 | $3,253,000 |
$295,000 | $632,000 |
$93,000 | $290,000 |
| Native Hawaiin or Other Pacific Islander |
5 | $966,000 |
$193,000 | $356,000 |
$80,000 | $148,000 |
| Not applicable |
15 | $4,998,000 |
$333,000 | $1,182,000 |
$0 | $0 |
| Not Provided |
28 | $6,882,000 |
$245,000 | $650,000 |
$166,000 | $1,920,000 |
| White |
599 | $138,293,000 |
$230,000 | $1,885,000 |
$98,000 | $3,396,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
670 | $157,482,000 |
$235,000 | $1,885,000 |
$98,000 | $3,396,000 |
| FHA-insured (Federal Housing Administration) |
1 | $247,000 |
$247,000 | $247,000 |
$47,000 | $47,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
3 | $601,000 |
$200,000 | $228,000 |
$54,000 | $75,000 |
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| Application Approved But Not Accepted |
17 | $3,935,000 |
$231,000 | $417,000 |
$82,000 | $258,000 |
| Application Denied By Financial Institution |
72 | $17,219,000 |
$239,000 | $1,200,000 |
$69,000 | $265,000 |
| Application Withdrawn By Applicant |
44 | $11,312,000 |
$257,000 | $880,000 |
$118,000 | $1,568,000 |
| File Closed For Incompleteness |
94 | $23,287,000 |
$247,000 | $770,000 |
$82,000 | $480,000 |
| Loan Originated |
447 | $102,577,000 |
$229,000 | $1,885,000 |
$105,000 | $3,396,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 WHIDBEY ISLAND BANK by:
Metropolitan Area And
County
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