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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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CLC HOME LOANS
Mortgage Loans and Application Details
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| Mortgage Company Name |
CLC HOME LOANS |
| Address | 16855 WEST BERNARDO DRIVE
SAN DIEGO, CA 92127 |
| Agency | Department of Housing and Urban Development (HUD) |
| Year | 2006 |
| All Data Years | 2006 |
| Total Number of Mortgage Loan Applications Processed | 227 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $52,415,000 |
| Average Mortgage Loan Amount Applied For | $225,759 |
| Highest Mortgage Loan Amount Applied For | $1,138,000 |
| Average Applicant Income | $83,180 |
| Highest Applicant Income | $504,000 |
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| Home Improvement |
1 | $572,000 |
$572,000 | $572,000 |
$109,000 | $109,000 |
| Home Purchase |
80 | $16,564,000 |
$207,000 | $730,000 |
$71,000 | $248,000 |
| Refinancing |
146 | $35,279,000 |
$241,000 | $1,138,000 |
$92,000 | $504,000 |
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| American Indian or Alaskan Native |
1 | $224,000 |
$224,000 | $224,000 |
$74,000 | $74,000 |
| Asian |
3 | $1,247,000 |
$415,000 | $730,000 |
$90,000 | $125,000 |
| Black or African American |
10 | $1,855,000 |
$185,000 | $345,000 |
$76,000 | $146,000 |
| Hispanic |
21 | $5,673,000 |
$270,000 | $572,000 |
$86,000 | $504,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
92 | $22,857,000 |
$248,000 | $1,138,000 |
$86,000 | $300,000 |
| White |
100 | $20,559,000 |
$205,000 | $620,000 |
$85,000 | $500,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
227 | $52,415,000 |
$230,000 | $1,138,000 |
$85,000 | $504,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
17 | $4,209,000 |
$247,000 | $500,000 |
$149,000 | $504,000 |
| Application Denied By Financial Institution |
185 | $41,256,000 |
$223,000 | $1,138,000 |
$76,000 | $264,000 |
| Application Withdrawn By Applicant |
6 | $1,946,000 |
$324,000 | $620,000 |
$103,000 | $225,000 |
| File Closed For Incompleteness |
1 | $210,000 |
$210,000 | $210,000 |
$54,000 | $54,000 |
| Loan Originated |
18 | $4,794,000 |
$266,000 | $966,000 |
$110,000 | $300,000 |
| 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 |
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| Collateral |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
10 | $1,412,000 |
$141,000 | $296,000 |
$100,000 | $248,000 |
| Credit History |
3 | $303,000 |
$101,000 | $168,000 |
$50,000 | $70,000 |
| Debt-To-Income Ratio |
9 | $1,475,000 |
$163,000 | $416,000 |
$70,000 | $228,000 |
| 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 |
2 | $314,000 |
$157,000 | $172,000 |
$107,000 | $156,000 |
| Unverifiable Information |
8 | $1,463,000 |
$182,000 | $680,000 |
$119,000 | $230,000 |
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Mortgage Loan App Totals for CLC HOME LOANS by:
Metropolitan Area And
County
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