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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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FIRST STREET FINANCIAL, INC.
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST STREET FINANCIAL, INC. |
| Address | 310 COMMERCE, SUITE 150
IRVINE, CA 92602 |
| Agency | Department of Housing and Urban Development (HUD) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 8,876 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $2,283,230,000 |
| Average Mortgage Loan Amount Applied For | $177,943 |
| Highest Mortgage Loan Amount Applied For | $1,500,000 |
| Average Applicant Income | $85,176 |
| Highest Applicant Income | $1,944,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
3,569 | $781,998,000 |
$219,000 | $1,200,000 |
$121,000 | $1,530,000 |
| Refinancing |
5,307 | $1,501,232,000 |
$282,000 | $1,500,000 |
$101,000 | $1,944,000 |
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| American Indian or Alaskan Native |
50 | $10,997,000 |
$219,000 | $580,000 |
$94,000 | $277,000 |
| Asian |
455 | $141,490,000 |
$310,000 | $1,080,000 |
$147,000 | $1,320,000 |
| Black or African American |
1,100 | $247,923,000 |
$225,000 | $1,275,000 |
$95,000 | $1,164,000 |
| Hispanic |
3,171 | $836,399,000 |
$263,000 | $1,250,000 |
$110,000 | $1,530,000 |
| Native Hawaiin or Other Pacific Islander |
134 | $44,532,000 |
$332,000 | $1,155,000 |
$136,000 | $1,101,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
1,268 | $334,087,000 |
$263,000 | $1,500,000 |
$105,000 | $1,699,000 |
| White |
2,698 | $667,802,000 |
$247,000 | $1,320,000 |
$109,000 | $1,944,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
8,876 | $2,283,230,000 |
$257,000 | $1,500,000 |
$109,000 | $1,944,000 |
| 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 |
3,157 | $841,779,000 |
$266,000 | $1,260,000 |
$109,000 | $1,944,000 |
| Application Denied By Financial Institution |
2,900 | $744,801,000 |
$256,000 | $1,500,000 |
$117,000 | $1,320,000 |
| Application Withdrawn By Applicant |
39 | $12,599,000 |
$323,000 | $1,250,000 |
$127,000 | $306,000 |
| File Closed For Incompleteness |
116 | $33,134,000 |
$285,000 | $1,320,000 |
$136,000 | $1,226,000 |
| Loan Originated |
2,664 | $650,917,000 |
$244,000 | $1,155,000 |
$100,000 | $1,500,000 |
| 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 |
313 | $82,024,000 |
$262,000 | $1,275,000 |
$124,000 | $572,000 |
| Credit Application Incomplete |
66 | $14,891,000 |
$225,000 | $750,000 |
$125,000 | $492,000 |
| Credit History |
529 | $114,187,000 |
$215,000 | $1,250,000 |
$102,000 | $718,000 |
| Debt-To-Income Ratio |
421 | $122,586,000 |
$291,000 | $850,000 |
$117,000 | $1,101,000 |
| Employment History |
65 | $16,235,000 |
$249,000 | $708,000 |
$93,000 | $246,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
326 | $93,381,000 |
$286,000 | $995,000 |
$112,000 | $720,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
572 | $142,360,000 |
$248,000 | $1,500,000 |
$126,000 | $900,000 |
| Unverifiable Information |
153 | $44,659,000 |
$291,000 | $975,000 |
$139,000 | $981,000 |
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Mortgage Loan App Totals for FIRST STREET FINANCIAL, INC. by:
Metropolitan Area And
County
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