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| Location |
Caldwell County NC
• Apply Here |
| Year | 2008 |
| Data Years (click a year for detail) | 2003 2004 2005 2006 2007 2008 |
| Total Number of Mortgage Applications | 4,281 |
| Total Amount of All Mortgage Loans Applied For | $499,848,000 |
| Average Mortgage Loan Amount Applied For | $116,000 |
| Highest Mortgage Loan Amount Applied For | $1,725,000 |
| Average Applicant Income | $58,000 |
| Highest Applicant Income | $1,830,000 |
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| Home Improvement |
311 | $18,372,000 |
$59,000 | $750,000 |
$59,000 | $1,830,000 |
| Home Purchase |
1,378 | $167,031,000 |
$121,000 | $1,300,000 |
$57,000 | $1,584,000 |
| Refinancing |
2,592 | $314,445,000 |
$121,000 | $1,725,000 |
$59,000 | $1,526,000 |
|
| American Indian or Alaskan Native |
11 | $1,163,000 |
$105,000 | $198,000 |
$63,000 | $133,000 |
| Asian |
14 | $1,171,000 |
$83,000 | $165,000 |
$61,000 | $400,000 |
| Black or African American |
118 | $9,627,000 |
$81,000 | $417,000 |
$54,000 | $293,000 |
| Hispanic |
94 | $9,832,000 |
$104,000 | $480,000 |
$44,000 | $300,000 |
| Native Hawaiin or Other Pacific Islander |
4 | $329,000 |
$82,000 | $169,000 |
$39,000 | $78,000 |
| Not applicable |
351 | $45,596,000 |
$129,000 | $1,000,000 |
$10,000 | $375,000 |
| Not Provided |
297 | $34,627,000 |
$116,000 | $670,000 |
$56,000 | $960,000 |
| White |
3,392 | $397,503,000 |
$117,000 | $1,725,000 |
$64,000 | $1,830,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
3,090 | $366,670,000 |
$118,000 | $1,725,000 |
$65,000 | $1,830,000 |
| FHA-insured (Federal Housing Administration) |
932 | $105,995,000 |
$113,000 | $349,000 |
$43,000 | $960,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
221 | $21,919,000 |
$99,000 | $203,000 |
$23,000 | $70,000 |
| VA-guaranteed (Veterans Administration) |
38 | $5,264,000 |
$138,000 | $249,000 |
$38,000 | $120,000 |
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| Application Approved But Not Accepted |
208 | $19,207,000 |
$92,000 | $417,000 |
$57,000 | $384,000 |
| Application Denied By Financial Institution |
1,072 | $115,915,000 |
$108,000 | $1,725,000 |
$57,000 | $1,830,000 |
| Application Withdrawn By Applicant |
405 | $50,985,000 |
$125,000 | $1,200,000 |
$68,000 | $1,170,000 |
| File Closed For Incompleteness |
96 | $12,067,000 |
$125,000 | $550,000 |
$69,000 | $576,000 |
| Loan Originated |
1,799 | $209,967,000 |
$116,000 | $1,200,000 |
$64,000 | $1,584,000 |
| Loan Purchased By The Institution |
700 | $91,634,000 |
$130,000 | $1,000,000 |
$39,000 | $1,526,000 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
1 | $73,000 |
$73,000 | $73,000 |
$33,000 | $33,000 |
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| Collateral |
129 | $14,782,000 |
$114,000 | $590,000 |
$69,000 | $462,000 |
| Credit Application Incomplete |
42 | $6,175,000 |
$147,000 | $1,300,000 |
$61,000 | $394,000 |
| Credit History |
195 | $15,635,000 |
$80,000 | $417,000 |
$48,000 | $364,000 |
| Debt-To-Income Ratio |
98 | $13,226,000 |
$134,000 | $1,725,000 |
$62,000 | $1,830,000 |
| Employment History |
7 | $529,000 |
$75,000 | $112,000 |
$23,000 | $48,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
5 | $575,000 |
$115,000 | $130,000 |
$70,000 | $180,000 |
| Mortgage Insurance Denied |
1 | $95,000 |
$95,000 | $95,000 |
$29,000 | $29,000 |
| Other |
60 | $7,506,000 |
$125,000 | $750,000 |
$91,000 | $960,000 |
| Unverifiable Information |
18 | $2,415,000 |
$134,000 | $350,000 |
$52,000 | $125,000 |
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