AllMortgageDetail - Mortgage Application Details

Greenpoint Credit, Llc
Mortgage Loan Application
Totals and Details
for 2004

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Mortgage Company & Address Greenpoint Credit, Llc
10089 Willow Creek
San Diego, CA 92131
Federal Regulator Federal Deposit Insurance Corporation (FDIC)
Years 2004  2003  
Total Number of Mortgage Applications 2,907
Total Mortgage Loan Application Amount $89,990,000
Average Mortgage Loan Application Amount $30,893
Highest Mortgage Loan Application Amount $133,000
Average Applicant Income $38,513
Highest Applicant Income $812,000

Mortgage Loan Application Detail Totals for Greenpoint Credit, Llc in 2004

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 2,912 $90,107,000 $31,413 $133,000 $40,152 $812,000
Refinancing 0 $0 $0 $0 $0 $0
Home Improvement 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 2,020 $62,987,000 $31,413 $133,000 $41,065 $812,000
Black or African American 335 $9,998,000 $28,862 $96,000 $34,965 $169,000
Hispanic 318 $9,466,000 $29,939 $88,000 $35,545 $487,000
Not Provided 155 $5,055,000 $33,538 $104,000 $39,589 $216,000
American Indian or Alaskan Native 67 $2,002,000 $29,000 $59,000 $45,769 $296,000
Asian 12 $387,000 $32,000 $68,000 $45,818 $115,000
Native Hawaiin or Other Pacific Islander 4 $164,000 $41,000 $102,000 $49,500 $94,000
Not applicable 1 $48,000 $48,000 $48,000 $26,000 $26,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 2,912 $90,107,000 $31,413 $133,000 $40,152 $812,000
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

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Application Approved But Not Accepted 1,121 $34,289,000 $31,739 $100,000 $41,239 $812,000
Application Denied By Financial Institution 1,084 $34,467,000 $30,909 $133,000 $32,181 $600,000
Loan Originated 704 $21,216,000 $31,295 $113,000 $44,659 $803,000
Application Withdrawn By Applicant 3 $135,000 $45,000 $60,000 $53,666 $69,000
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
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

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Credit History 901 $29,137,000 $31,545 $133,000 $33,227 $600,000
Debt-To-Income Ratio 92 $2,546,000 $27,689 $73,000 $16,689 $78,000
Other 91 $2,784,000 $28,320 $102,000 $31,840 $280,000
Unverifiable Information 0 $0 $0 $0 $0 $0
Collateral 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
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