South Valley Bank & Trust Mortgage Lending & HMDA Data, 2003
In 2003, South Valley Bank & Trust of Klamath Falls, OR reported 461 mortgage applications totaling $55.8 million. The average application was for $121,049, and applicants reported an average income of $228,071. 79% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Medford-Ashland, OR (127), Portland-Vancouver, OR-WA (3) and Eugene-Springfield, OR (1) (applications in parentheses).
| Mortgage Company & Address | South Valley Bank & Trust 803 Main Street Klamath Falls, OR 97601 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 461 |
| Total Mortgage Loan Application Amount | $55,804,000 |
| Average Mortgage Loan Application Amount | $121,049 |
| Highest Mortgage Loan Application Amount | $600,000 |
| Average Applicant Income | $228,071 |
| Highest Applicant Income | $4,405,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records South Valley Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for South Valley Bank & Trust in 2003
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 255 | $31,451,000 | $123,000 | $566,000 | $221,000 | $4,405,000 |
| Home Purchase (one-to-four family) | 200 | $24,083,000 | $135,000 | $600,000 | $101,333 | $3,737,000 |
| Home Improvement (one-to-four family) | 6 | $270,000 | $45,000 | $195,000 | $69,000 | $272,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 416 | $51,797,000 | $79,500 | $600,000 | $105,000 | $4,405,000 |
| Information not provided by applicant in mail or telephone application | 15 | $1,051,000 | $70,000 | $290,000 | $284,000 | $1,611,000 |
| Other | 9 | $917,000 | $101,000 | $228,000 | $82,000 | $179,000 |
| Hispanic | 7 | $604,000 | $86,000 | $220,000 | $169,000 | $619,000 |
| American Indian or Alaskan Native | 7 | $587,000 | $83,000 | $250,000 | $359,000 | $1,874,000 |
| Asian or Pacific Islander | 5 | $547,000 | $109,000 | $183,000 | $784,000 | $3,737,000 |
| Black | 1 | $51,000 | $51,000 | $51,000 | $42,000 | $42,000 |
| Not applicable | 1 | $250,000 | $250,000 | $250,000 | $22,000 | $22,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 460 | $55,715,000 | $135,333 | $600,000 | $95,000 | $4,405,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $89,000 | $89,000 | $89,000 | $61,000 | $61,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 365 | $45,546,000 | $187,000 | $600,000 | $147,500 | $4,405,000 |
| Application Denied By Financial Institution | 43 | $3,210,000 | $55,000 | $183,000 | $39,500 | $292,000 |
| Application Withdrawn By Applicant | 33 | $4,210,000 | $127,000 | $340,000 | $534,000 | $3,737,000 |
| File Closed For Incompleteness | 18 | $2,263,000 | $125,000 | $450,000 | $148,000 | $793,000 |
| Application Approved But Not Accepted | 2 | $575,000 | $287,000 | $300,000 | $99,000 | $158,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 15 | $908,000 | $60,000 | $110,000 | $26,000 | $120,000 |
| Debt-To-Income Ratio | 12 | $990,000 | $82,000 | $151,000 | $47,000 | $292,000 |
| Collateral | 10 | $828,000 | $82,000 | $164,000 | $76,000 | $162,000 |
| Other | 2 | $218,000 | $109,000 | $183,000 | $47,000 | $56,000 |
| Unverifiable Information | 2 | $100,000 | $50,000 | $76,000 | $3,000 | $7,000 |
| Employment History | 1 | $33,000 | $33,000 | $33,000 | $33,000 | $33,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $133,000 | $133,000 | $133,000 | $46,000 | $46,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into South Valley Bank & Trust's 2003 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess South Valley Bank & Trust's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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