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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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DE ORO INC DBA DE ORO HOME LOA
Mortgage Loans and Application Details
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| Mortgage Company Name |
DE ORO INC DBA DE ORO HOME LOA |
| Address | 1757 S EUCLID AVE
ONTARIO, CA 91762 |
| Agency | Department of Housing and Urban Development (HUD) |
| Year | 2003 |
| All Data Years | 2003 |
| Total Number of Mortgage Loan Applications Processed | 1,468 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $190,436,000 |
| Average Mortgage Loan Amount Applied For | $149,476 |
| Highest Mortgage Loan Amount Applied For | $600,000 |
| Average Applicant Income | $65,238 |
| Highest Applicant Income | $472,000 |
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| Home Improvement (one-to-four family) |
1 | $148,000 |
$148,000 | $148,000 |
$0 | $0 |
| Home Purchase (one-to-four family) |
808 | $99,693,000 |
$122,000 | $600,000 |
$57,500 | $312,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Refinancing (home purchase or home improvement, one-to-four family) |
659 | $90,595,000 |
$135,000 | $478,000 |
$49,000 | $472,000 |
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| American Indian or Alaskan Native |
9 | $1,083,000 |
$121,500 | $361,000 |
$27,000 | $63,000 |
| Asian or Pacific Islander |
15 | $2,687,000 |
$152,000 | $478,000 |
$64,500 | $134,000 |
| Black |
79 | $10,676,000 |
$128,000 | $440,000 |
$46,500 | $178,000 |
| Hispanic |
961 | $122,226,000 |
$117,500 | $542,000 |
$40,000 | $300,000 |
| Information not provided by applicant in mail or telephone application |
30 | $2,963,000 |
$115,500 | $282,000 |
$43,000 | $157,000 |
| Not applicable |
1 | $152,000 |
$152,000 | $152,000 |
$59,000 | $59,000 |
| Other |
7 | $920,000 |
$127,500 | $173,000 |
$73,500 | $285,000 |
| White |
366 | $49,729,000 |
$138,000 | $600,000 |
$67,000 | $472,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
708 | $89,404,000 |
$128,500 | $600,000 |
$70,500 | $472,000 |
| FHA-insured (Federal Housing Administration) |
743 | $98,848,000 |
$126,500 | $361,000 |
$39,000 | $180,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
6 | $810,000 |
$135,000 | $185,000 |
$28,500 | $47,000 |
| VA-guaranteed (Veterans Administration) |
11 | $1,374,000 |
$132,500 | $179,000 |
$38,000 | $57,000 |
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| Application Approved But Not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
207 | $27,889,000 |
$131,500 | $439,000 |
$51,000 | $264,000 |
| Application Withdrawn By Applicant |
2 | $354,000 |
$177,000 | $217,000 |
$101,000 | $164,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
1,259 | $162,193,000 |
$127,500 | $600,000 |
$55,000 | $472,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Collateral |
21 | $2,685,000 |
$167,500 | $243,000 |
$122,000 | $196,000 |
| Credit Application Incomplete |
1 | $168,000 |
$168,000 | $168,000 |
$64,000 | $64,000 |
| Credit History |
22 | $2,761,000 |
$128,500 | $231,000 |
$48,000 | $138,000 |
| Debt-To-Income Ratio |
27 | $2,949,000 |
$104,500 | $221,000 |
$41,500 | $180,000 |
| Employment History |
2 | $297,000 |
$148,500 | $212,000 |
$46,500 | $68,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
4 | $692,000 |
$173,000 | $315,000 |
$41,000 | $65,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
124 | $17,601,000 |
$144,000 | $439,000 |
$47,500 | $264,000 |
| Unverifiable Information |
6 | $736,000 |
$122,000 | $182,000 |
$52,000 | $67,000 |
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Mortgage Loan App Totals for DE ORO INC DBA DE ORO HOME LOA by:
Metropolitan Area And
County
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