South Valley Bank & Trust Mortgage Lending & HMDA Data, 2010
In 2010, South Valley Bank & Trust of Klamath Falls, OR reported 246 mortgage applications totaling $45.8 million, about the same as 2009. The average application was for $186,085, and applicants reported an average income of $239,524. 71% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Medford, OR (50), Bend, OR (45) and Portland-Vancouver-Hillsboro, OR-WA (3) (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 | 246 |
| Total Mortgage Loan Application Amount | $45,777,000 |
| Average Mortgage Loan Application Amount | $186,085 |
| Highest Mortgage Loan Application Amount | $1,360,000 |
| Average Applicant Income | $239,524 |
| Highest Applicant Income | $6,047,000 |
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records South Valley Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2010
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 | 142 | $27,508,000 | $193,000 | $1,360,000 | $240,000 | $3,415,000 |
| Home Purchase | 99 | $17,356,000 | $175,000 | $417,000 | $247,000 | $6,047,000 |
| Home Improvement | 5 | $913,000 | $182,000 | $518,000 | $78,000 | $127,000 |
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 | 198 | $35,387,000 | $178,000 | $1,360,000 | $252,000 | $6,047,000 |
| Not Provided | 39 | $8,482,000 | $217,000 | $518,000 | $200,000 | $1,657,000 |
| Asian | 3 | $730,000 | $243,000 | $290,000 | $266,000 | $469,000 |
| Hispanic | 3 | $674,000 | $224,000 | $292,000 | $75,000 | $113,000 |
| American Indian or Alaskan Native | 2 | $294,000 | $147,000 | $172,000 | $80,000 | $101,000 |
| Not applicable | 1 | $210,000 | $210,000 | $210,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 217 | $42,212,000 | $194,000 | $1,360,000 | $265,000 | $6,047,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 16 | $1,730,000 | $108,000 | $159,000 | $42,000 | $88,000 |
| FHA-insured (Federal Housing Administration) | 13 | $1,835,000 | $141,000 | $284,000 | $57,000 | $107,000 |
| VA-guaranteed (Veterans 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 | 175 | $31,331,000 | $179,000 | $518,000 | $236,000 | $4,431,000 |
| Application Approved But Not Accepted | 26 | $4,599,000 | $176,000 | $367,000 | $470,000 | $6,047,000 |
| Application Denied By Financial Institution | 26 | $6,206,000 | $238,000 | $1,360,000 | $141,000 | $782,000 |
| Application Withdrawn By Applicant | 18 | $3,224,000 | $179,000 | $525,000 | $84,000 | $148,000 |
| File Closed For Incompleteness | 1 | $417,000 | $417,000 | $417,000 | $90,000 | $90,000 |
| 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 |
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 |
|---|---|---|---|---|---|---|
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into South Valley Bank & Trust's 2010 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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