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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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GUARDIAN MORTGAGE COMPANY, INC
Mortgage Loans and Application Details
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| Mortgage Company Name |
GUARDIAN MORTGAGE COMPANY, INC |
| Address | 100 N. CENTRAL EXPRESSWAY SUITE 190
RICHARDSON, TX 75083 |
| Agency | Department of Housing and Urban Development (HUD) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 1,152 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $190,290,000 |
| Average Mortgage Loan Amount Applied For | $147,492 |
| Highest Mortgage Loan Amount Applied For | $1,500,000 |
| Average Applicant Income | $99,318 |
| Highest Applicant Income | $1,504,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
857 | $145,991,000 |
$170,000 | $1,500,000 |
$105,000 | $1,504,000 |
| Refinancing |
295 | $44,299,000 |
$150,000 | $1,095,000 |
$95,000 | $688,000 |
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| American Indian or Alaskan Native |
3 | $509,000 |
$169,000 | $296,000 |
$98,000 | $189,000 |
| Asian |
57 | $10,545,000 |
$185,000 | $1,000,000 |
$106,000 | $338,000 |
| Black or African American |
41 | $5,848,000 |
$142,000 | $417,000 |
$85,000 | $220,000 |
| Hispanic |
22 | $2,664,000 |
$121,000 | $263,000 |
$78,000 | $178,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $180,000 |
$180,000 | $180,000 |
$102,000 | $102,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
52 | $9,118,000 |
$175,000 | $594,000 |
$106,000 | $286,000 |
| White |
976 | $161,426,000 |
$165,000 | $1,500,000 |
$103,000 | $1,504,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,097 | $183,031,000 |
$166,000 | $1,500,000 |
$104,000 | $1,504,000 |
| FHA-insured (Federal Housing Administration) |
55 | $7,259,000 |
$131,000 | $201,000 |
$68,000 | $126,000 |
| 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 |
5 | $708,000 |
$141,000 | $250,000 |
$79,000 | $140,000 |
| Application Denied By Financial Institution |
12 | $1,801,000 |
$150,000 | $275,000 |
$64,000 | $138,000 |
| Application Withdrawn By Applicant |
88 | $16,280,000 |
$185,000 | $1,500,000 |
$106,000 | $1,504,000 |
| File Closed For Incompleteness |
2 | $252,000 |
$126,000 | $136,000 |
$89,000 | $106,000 |
| Loan Originated |
1,045 | $171,249,000 |
$163,000 | $1,095,000 |
$102,000 | $1,405,000 |
| 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 |
5 | $817,000 |
$163,000 | $275,000 |
$81,000 | $138,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
3 | $357,000 |
$119,000 | $214,000 |
$57,000 | $133,000 |
| Debt-To-Income Ratio |
2 | $311,000 |
$155,000 | $240,000 |
$42,000 | $50,000 |
| 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 |
| Other |
2 | $316,000 |
$158,000 | $204,000 |
$55,000 | $58,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for GUARDIAN MORTGAGE COMPANY, INC by:
Metropolitan Area And
County
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