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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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EVERGREEN LENDING, INC.
Mortgage Loans and Application Details
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| Mortgage Company Name |
EVERGREEN LENDING, INC. |
| Address | 10005 MUIRLANDS BLVD STE G
IRVINE, CA 92618 |
| Agency | Department of Housing and Urban Development (HUD) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 534 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $137,760,000 |
| Average Mortgage Loan Amount Applied For | $208,294 |
| Highest Mortgage Loan Amount Applied For | $1,340,000 |
| Average Applicant Income | $106,923 |
| Highest Applicant Income | $1,118,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
295 | $69,188,000 |
$234,000 | $960,000 |
$124,000 | $1,118,000 |
| Refinancing |
272 | $76,207,000 |
$280,000 | $1,340,000 |
$132,000 | $1,118,000 |
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| American Indian or Alaskan Native |
5 | $1,061,000 |
$212,000 | $576,000 |
$143,000 | $234,000 |
| Asian |
104 | $29,671,000 |
$285,000 | $750,000 |
$154,000 | $480,000 |
| Black or African American |
44 | $11,760,000 |
$267,000 | $875,000 |
$112,000 | $240,000 |
| Hispanic |
189 | $45,023,000 |
$238,000 | $944,000 |
$105,000 | $300,000 |
| Native Hawaiin or Other Pacific Islander |
5 | $1,030,000 |
$206,000 | $500,000 |
$144,000 | $186,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
96 | $30,187,000 |
$314,000 | $1,340,000 |
$169,000 | $1,118,000 |
| White |
124 | $26,663,000 |
$215,000 | $1,000,000 |
$113,000 | $534,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
566 | $144,765,000 |
$255,000 | $1,340,000 |
$128,000 | $1,118,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
1 | $630,000 |
$630,000 | $630,000 |
$150,000 | $150,000 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
239 | $64,836,000 |
$271,000 | $1,340,000 |
$133,000 | $1,118,000 |
| Application Denied By Financial Institution |
116 | $31,063,000 |
$267,000 | $960,000 |
$114,000 | $528,000 |
| Application Withdrawn By Applicant |
22 | $6,317,000 |
$287,000 | $796,000 |
$109,000 | $276,000 |
| File Closed For Incompleteness |
3 | $767,000 |
$255,000 | $388,000 |
$177,000 | $316,000 |
| Loan Originated |
187 | $42,412,000 |
$226,000 | $750,000 |
$131,000 | $534,000 |
| 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 |
17 | $4,294,000 |
$252,000 | $710,000 |
$159,000 | $524,000 |
| Credit Application Incomplete |
2 | $495,000 |
$247,000 | $396,000 |
$107,000 | $112,000 |
| Credit History |
44 | $11,962,000 |
$271,000 | $774,000 |
$113,000 | $418,000 |
| Debt-To-Income Ratio |
12 | $1,975,000 |
$164,000 | $368,000 |
$65,000 | $110,000 |
| Employment History |
4 | $845,000 |
$211,000 | $336,000 |
$15,000 | $60,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
3 | $917,000 |
$305,000 | $412,000 |
$162,000 | $180,000 |
| Mortgage Insurance Denied |
1 | $140,000 |
$140,000 | $140,000 |
$25,000 | $25,000 |
| Other |
14 | $5,118,000 |
$365,000 | $960,000 |
$174,000 | $528,000 |
| Unverifiable Information |
9 | $2,102,000 |
$233,000 | $448,000 |
$56,000 | $180,000 |
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Mortgage Loan App Totals for EVERGREEN LENDING, INC. by:
Metropolitan Area And
County
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