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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 PIONEER FINANCIAL SVC
Mortgage Loans and Application Details
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| Mortgage Company Name |
AMERICAN PIONEER FINANCIAL SVC |
| Address | 12894 SOUTH PONY EXPRESS RD SUITE 600
DRAPER, UT 84020 |
| Agency | Department of Housing and Urban Development (HUD) |
| Year | 2005 |
| All Data Years | 2003 2004 2005 |
| Total Number of Mortgage Loan Applications Processed | 789 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $138,012,000 |
| Average Mortgage Loan Amount Applied For | $180,072 |
| Highest Mortgage Loan Amount Applied For | $6,000,000 |
| Average Applicant Income | $104,266 |
| Highest Applicant Income | $1,596,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
700 | $107,959,000 |
$133,050 | $2,000,000 |
$62,800 | $816,000 |
| Refinancing |
353 | $74,578,000 |
$189,500 | $6,000,000 |
$108,150 | $1,596,000 |
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| American Indian or Alaskan Native |
2 | $1,073,000 |
$536,000 | $750,000 |
$240,000 | $240,000 |
| Asian |
51 | $9,253,000 |
$144,666 | $825,000 |
$64,333 | $480,000 |
| Black or African American |
102 | $14,817,000 |
$151,909 | $735,000 |
$71,909 | $420,000 |
| Hispanic |
177 | $27,763,000 |
$124,636 | $2,000,000 |
$57,272 | $720,000 |
| Native Hawaiin or Other Pacific Islander |
13 | $1,810,000 |
$140,666 | $404,000 |
$61,000 | $156,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
48 | $8,539,000 |
$163,166 | $765,000 |
$85,416 | $1,382,000 |
| White |
660 | $119,282,000 |
$183,434 | $6,000,000 |
$98,304 | $1,596,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,051 | $182,303,000 |
$168,375 | $6,000,000 |
$84,666 | $1,596,000 |
| FHA-insured (Federal Housing Administration) |
1 | $142,000 |
$142,000 | $142,000 |
$60,000 | $60,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
1 | $92,000 |
$92,000 | $92,000 |
$120,000 | $120,000 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
39 | $10,272,000 |
$312,777 | $2,000,000 |
$100,555 | $720,000 |
| Application Denied By Financial Institution |
981 | $164,936,000 |
$155,043 | $6,000,000 |
$89,304 | $1,596,000 |
| Application Withdrawn By Applicant |
27 | $6,231,000 |
$220,142 | $750,000 |
$92,428 | $480,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
4 | $608,000 |
$181,000 | $240,000 |
$90,500 | $104,000 |
| 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 |
2 | $490,000 |
$245,000 | $392,000 |
$114,000 | $120,000 |
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| Collateral |
20 | $2,056,000 |
$112,666 | $340,000 |
$70,666 | $180,000 |
| Credit Application Incomplete |
87 | $17,086,000 |
$156,600 | $1,125,000 |
$78,400 | $720,000 |
| Credit History |
92 | $12,920,000 |
$140,166 | $831,000 |
$66,500 | $600,000 |
| Debt-To-Income Ratio |
21 | $3,341,000 |
$136,375 | $735,000 |
$49,750 | $162,000 |
| Employment History |
15 | $3,373,000 |
$214,000 | $1,040,000 |
$75,833 | $300,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
21 | $2,417,000 |
$130,000 | $500,000 |
$81,000 | $300,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
703 | $119,655,000 |
$156,454 | $6,000,000 |
$95,000 | $1,596,000 |
| Unverifiable Information |
24 | $4,578,000 |
$252,666 | $750,000 |
$118,333 | $348,000 |
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Mortgage Loan App Totals for AMERICAN PIONEER FINANCIAL SVC by:
Metropolitan Area And
County
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