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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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HOME CAPITAL FUNDING INC
Mortgage Loans and Application Details
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| Mortgage Company Name |
HOME CAPITAL FUNDING INC |
| Address | 3131 CAMINO DEL RIO NORTH, SUITE 400
SAN DIEGO, CA 92108 |
| Agency | Department of Housing and Urban Development (HUD) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 9,208 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $2,357,813,000 |
| Average Mortgage Loan Amount Applied For | $216,218 |
| Highest Mortgage Loan Amount Applied For | $2,000,000 |
| Average Applicant Income | $97,189 |
| Highest Applicant Income | $2,570,000 |
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| Home Improvement |
3 | $378,000 |
$126,000 | $212,000 |
$121,000 | $223,000 |
| Home Purchase |
3,326 | $786,246,000 |
$236,000 | $1,500,000 |
$121,000 | $1,680,000 |
| Refinancing |
5,879 | $1,571,189,000 |
$267,000 | $2,000,000 |
$116,000 | $2,570,000 |
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| American Indian or Alaskan Native |
44 | $9,091,000 |
$206,000 | $700,000 |
$110,000 | $318,000 |
| Asian |
800 | $234,099,000 |
$292,000 | $1,920,000 |
$123,000 | $1,146,000 |
| Black or African American |
533 | $124,238,000 |
$233,000 | $1,267,000 |
$148,000 | $1,320,000 |
| Hispanic |
2,802 | $681,663,000 |
$243,000 | $1,267,000 |
$93,000 | $1,152,000 |
| Native Hawaiin or Other Pacific Islander |
176 | $45,375,000 |
$257,000 | $900,000 |
$126,000 | $702,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
1,991 | $529,104,000 |
$265,000 | $1,680,000 |
$116,000 | $1,680,000 |
| White |
2,862 | $734,243,000 |
$256,000 | $2,000,000 |
$135,000 | $2,570,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
9,208 | $2,357,813,000 |
$256,000 | $2,000,000 |
$118,000 | $2,570,000 |
| 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 |
2,446 | $636,009,000 |
$260,000 | $2,000,000 |
$112,000 | $2,570,000 |
| Application Denied By Financial Institution |
2,733 | $670,648,000 |
$245,000 | $1,920,000 |
$133,000 | $1,680,000 |
| Application Withdrawn By Applicant |
418 | $97,001,000 |
$232,000 | $1,275,000 |
$122,000 | $750,000 |
| File Closed For Incompleteness |
516 | $140,272,000 |
$271,000 | $1,545,000 |
$138,000 | $1,333,000 |
| Loan Originated |
3,095 | $813,883,000 |
$262,000 | $1,530,000 |
$104,000 | $1,542,000 |
| 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 |
218 | $52,818,000 |
$242,000 | $888,000 |
$143,000 | $648,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
783 | $184,308,000 |
$235,000 | $1,680,000 |
$121,000 | $1,152,000 |
| Debt-To-Income Ratio |
222 | $48,644,000 |
$219,000 | $960,000 |
$118,000 | $360,000 |
| Employment History |
139 | $37,128,000 |
$267,000 | $1,000,000 |
$131,000 | $520,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
3 | $990,000 |
$330,000 | $650,000 |
$156,000 | $252,000 |
| Mortgage Insurance Denied |
1 | $239,000 |
$239,000 | $239,000 |
$159,000 | $159,000 |
| Other |
629 | $161,652,000 |
$256,000 | $1,275,000 |
$146,000 | $1,680,000 |
| Unverifiable Information |
19 | $4,207,000 |
$221,000 | $648,000 |
$114,000 | $525,000 |
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Mortgage Loan App Totals for HOME CAPITAL FUNDING INC by:
Metropolitan Area And
County
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