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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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COLUMBIA HOME LOANS, LLC
Mortgage Loans and Application Details
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| Mortgage Company Name |
COLUMBIA HOME LOANS, LLC |
| Address | 400 COLUMBUS AVENUE
VALHALLA, NY 10595 |
| Agency | Department of Housing and Urban Development (HUD) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 4,678 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $1,257,642,000 |
| Average Mortgage Loan Amount Applied For | $185,463 |
| Highest Mortgage Loan Amount Applied For | $9,000,000 |
| Average Applicant Income | $100,638 |
| Highest Applicant Income | $2,482,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
2,640 | $680,320,000 |
$257,000 | $2,500,000 |
$134,000 | $2,482,000 |
| Refinancing |
2,286 | $641,005,000 |
$280,000 | $9,000,000 |
$128,000 | $2,300,000 |
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| American Indian or Alaskan Native |
17 | $3,852,000 |
$226,000 | $600,000 |
$123,000 | $206,000 |
| Asian |
99 | $35,635,000 |
$359,000 | $2,240,000 |
$216,000 | $2,300,000 |
| Black or African American |
980 | $261,627,000 |
$266,000 | $851,000 |
$117,000 | $443,000 |
| Hispanic |
740 | $197,377,000 |
$266,000 | $836,000 |
$122,000 | $546,000 |
| Native Hawaiin or Other Pacific Islander |
21 | $5,991,000 |
$285,000 | $880,000 |
$138,000 | $360,000 |
| Not applicable |
2 | $307,000 |
$153,000 | $209,000 |
$100,000 | $201,000 |
| Not Provided |
1,101 | $272,048,000 |
$247,000 | $2,700,000 |
$118,000 | $1,275,000 |
| White |
1,966 | $544,488,000 |
$276,000 | $9,000,000 |
$146,000 | $2,482,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
4,826 | $1,301,869,000 |
$269,000 | $9,000,000 |
$133,000 | $2,482,000 |
| FHA-insured (Federal Housing Administration) |
100 | $19,456,000 |
$194,000 | $381,000 |
$69,000 | $147,000 |
| 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 |
1 | $180,000 |
$180,000 | $180,000 |
$125,000 | $125,000 |
| Application Denied By Financial Institution |
724 | $211,347,000 |
$291,000 | $2,500,000 |
$128,000 | $1,360,000 |
| Application Withdrawn By Applicant |
1,419 | $398,686,000 |
$280,000 | $9,000,000 |
$127,000 | $1,842,000 |
| File Closed For Incompleteness |
50 | $21,748,000 |
$434,000 | $3,300,000 |
$146,000 | $1,200,000 |
| Loan Originated |
2,653 | $667,428,000 |
$251,000 | $2,500,000 |
$134,000 | $2,482,000 |
| 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 |
79 | $21,936,000 |
$277,000 | $640,000 |
$139,000 | $348,000 |
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| Collateral |
144 | $41,393,000 |
$287,000 | $960,000 |
$139,000 | $1,089,000 |
| Credit Application Incomplete |
2 | $270,000 |
$135,000 | $215,000 |
$83,000 | $114,000 |
| Credit History |
269 | $74,756,000 |
$277,000 | $1,000,000 |
$117,000 | $540,000 |
| Debt-To-Income Ratio |
79 | $21,826,000 |
$276,000 | $672,000 |
$92,000 | $443,000 |
| Employment History |
5 | $1,035,000 |
$207,000 | $300,000 |
$130,000 | $200,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
8 | $3,226,000 |
$403,000 | $646,000 |
$150,000 | $264,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
195 | $60,758,000 |
$311,000 | $2,500,000 |
$146,000 | $1,360,000 |
| Unverifiable Information |
101 | $30,019,000 |
$297,000 | $1,350,000 |
$147,000 | $382,000 |
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Mortgage Loan App Totals for COLUMBIA HOME LOANS, LLC by:
Metropolitan Area And
County
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