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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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AMERICAN PACIFIC MORTGAGE CORP
Mortgage Loans and Application Details
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| Mortgage Company Name |
AMERICAN PACIFIC MORTGAGE CORP |
| Address | 3000 LAVA RIDGE CT #200
ROSEVILLE, CA 95661 |
| Agency | Department of Housing and Urban Development (HUD) |
| Year | 2006 |
| All Data Years | 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 1,926 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $467,977,000 |
| Average Mortgage Loan Amount Applied For | $229,410 |
| Highest Mortgage Loan Amount Applied For | $2,880,000 |
| Average Applicant Income | $84,357 |
| Highest Applicant Income | $1,800,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
1,308 | $293,048,000 |
$224,000 | $2,880,000 |
$75,000 | $990,000 |
| Refinancing |
1,086 | $270,207,000 |
$248,000 | $2,265,000 |
$70,000 | $1,800,000 |
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| American Indian or Alaskan Native |
8 | $1,388,000 |
$173,000 | $259,000 |
$37,000 | $96,000 |
| Asian |
74 | $21,204,000 |
$286,000 | $1,480,000 |
$126,000 | $990,000 |
| Black or African American |
101 | $23,022,000 |
$227,000 | $658,000 |
$88,000 | $378,000 |
| Hispanic |
411 | $85,955,000 |
$209,000 | $1,855,000 |
$43,000 | $534,000 |
| Native Hawaiin or Other Pacific Islander |
21 | $5,574,000 |
$265,000 | $740,000 |
$241,000 | $972,000 |
| Not applicable |
41 | $10,385,000 |
$253,000 | $817,000 |
$31,000 | $202,000 |
| Not Provided |
203 | $49,204,000 |
$242,000 | $1,725,000 |
$68,000 | $864,000 |
| White |
1,535 | $366,523,000 |
$238,000 | $2,880,000 |
$77,000 | $1,800,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
2,340 | $553,676,000 |
$236,000 | $2,880,000 |
$74,000 | $1,800,000 |
| FHA-insured (Federal Housing Administration) |
37 | $5,155,000 |
$139,000 | $300,000 |
$41,000 | $93,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
17 | $4,424,000 |
$260,000 | $500,000 |
$53,000 | $127,000 |
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| Application Approved But Not Accepted |
111 | $32,712,000 |
$294,000 | $1,855,000 |
$110,000 | $534,000 |
| Application Denied By Financial Institution |
347 | $75,543,000 |
$217,000 | $1,500,000 |
$84,000 | $990,000 |
| Application Withdrawn By Applicant |
1,588 | $371,120,000 |
$233,000 | $2,880,000 |
$61,000 | $1,800,000 |
| File Closed For Incompleteness |
13 | $2,042,000 |
$157,000 | $341,000 |
$77,000 | $168,000 |
| Loan Originated |
266 | $66,236,000 |
$249,000 | $1,000,000 |
$105,000 | $645,000 |
| Loan Purchased By The Institution |
69 | $15,602,000 |
$226,000 | $750,000 |
$118,000 | $605,000 |
| 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 |
11 | $3,377,000 |
$307,000 | $1,500,000 |
$168,000 | $384,000 |
| Credit Application Incomplete |
8 | $1,683,000 |
$210,000 | $400,000 |
$68,000 | $113,000 |
| Credit History |
65 | $14,436,000 |
$222,000 | $739,000 |
$62,000 | $306,000 |
| Debt-To-Income Ratio |
82 | $15,685,000 |
$191,000 | $700,000 |
$35,000 | $177,000 |
| Employment History |
146 | $32,857,000 |
$225,000 | $1,080,000 |
$100,000 | $972,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
4 | $465,000 |
$116,000 | $146,000 |
$42,000 | $60,000 |
| Mortgage Insurance Denied |
2 | $1,031,000 |
$515,000 | $800,000 |
$144,000 | $288,000 |
| Other |
9 | $2,066,000 |
$229,000 | $612,000 |
$235,000 | $990,000 |
| Unverifiable Information |
13 | $2,181,000 |
$167,000 | $336,000 |
$62,000 | $204,000 |
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Mortgage Loan App Totals for AMERICAN PACIFIC MORTGAGE CORP by:
Metropolitan Area And
County
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