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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 SAVINGS MORTGAGE
Mortgage Loans and Application Details
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| Mortgage Company Name |
HOME SAVINGS MORTGAGE |
| Address | 550 E ESPLANDE DR, TENTH FL
OXNARD, CA 93036 |
| Agency | Department of Housing and Urban Development (HUD) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 4,106 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $1,001,243,000 |
| Average Mortgage Loan Amount Applied For | $238,579 |
| Highest Mortgage Loan Amount Applied For | $1,950,000 |
| Average Applicant Income | $99,899 |
| Highest Applicant Income | $2,400,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
1,560 | $317,170,000 |
$203,000 | $1,280,000 |
$102,000 | $1,800,000 |
| Refinancing |
2,546 | $684,073,000 |
$268,000 | $1,950,000 |
$104,000 | $2,400,000 |
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| American Indian or Alaskan Native |
16 | $2,806,000 |
$175,000 | $410,000 |
$111,000 | $202,000 |
| Asian |
153 | $46,105,000 |
$301,000 | $1,125,000 |
$157,000 | $1,200,000 |
| Black or African American |
183 | $50,509,000 |
$276,000 | $952,000 |
$102,000 | $360,000 |
| Hispanic |
1,654 | $350,325,000 |
$211,000 | $1,365,000 |
$84,000 | $1,440,000 |
| Native Hawaiin or Other Pacific Islander |
57 | $18,360,000 |
$322,000 | $700,000 |
$132,000 | $297,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
324 | $93,371,000 |
$288,000 | $1,950,000 |
$111,000 | $672,000 |
| White |
1,719 | $439,767,000 |
$255,000 | $1,459,000 |
$115,000 | $2,400,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
3,966 | $980,782,000 |
$247,000 | $1,950,000 |
$105,000 | $2,400,000 |
| FHA-insured (Federal Housing Administration) |
137 | $19,759,000 |
$144,000 | $345,000 |
$46,000 | $106,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
3 | $702,000 |
$234,000 | $255,000 |
$59,000 | $76,000 |
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| Application Approved But Not Accepted |
272 | $70,362,000 |
$258,000 | $1,410,000 |
$111,000 | $1,440,000 |
| Application Denied By Financial Institution |
357 | $118,920,000 |
$333,000 | $1,950,000 |
$131,000 | $796,000 |
| Application Withdrawn By Applicant |
584 | $148,813,000 |
$254,000 | $1,420,000 |
$122,000 | $2,400,000 |
| File Closed For Incompleteness |
78 | $21,592,000 |
$276,000 | $1,000,000 |
$115,000 | $343,000 |
| Loan Originated |
2,815 | $641,556,000 |
$227,000 | $1,453,000 |
$95,000 | $1,949,000 |
| 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 | $1,485,000 |
$297,000 | $565,000 |
$103,000 | $165,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
3 | $572,000 |
$190,000 | $259,000 |
$51,000 | $67,000 |
| Debt-To-Income Ratio |
2 | $427,000 |
$213,000 | $315,000 |
$46,000 | $68,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
2 | $1,154,000 |
$577,000 | $646,000 |
$318,000 | $468,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $220,000 |
$220,000 | $220,000 |
$56,000 | $56,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for HOME SAVINGS MORTGAGE by:
Metropolitan Area And
County
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