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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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INNERGY LENDING LLC
Mortgage Loans and Application Details
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| Mortgage Company Name |
INNERGY LENDING LLC |
| Address | 11315 JOHNS CREEK PARKWAY SUITE 200
DULUTH, GA 30097 |
| Agency | Department of Housing and Urban Development (HUD) |
| Year | 2006 |
| All Data Years | 2006 |
| Total Number of Mortgage Loan Applications Processed | 1,330 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $199,091,000 |
| Average Mortgage Loan Amount Applied For | $141,678 |
| Highest Mortgage Loan Amount Applied For | $2,222,000 |
| Average Applicant Income | $57,642 |
| Highest Applicant Income | $500,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
619 | $85,288,000 |
$137,000 | $1,000,000 |
$55,000 | $625,000 |
| Refinancing |
890 | $139,922,000 |
$157,000 | $2,222,000 |
$61,000 | $500,000 |
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| American Indian or Alaskan Native |
1 | $113,000 |
$113,000 | $113,000 |
$45,000 | $45,000 |
| Asian |
54 | $10,773,000 |
$199,000 | $1,050,000 |
$75,000 | $182,000 |
| Black or African American |
156 | $21,618,000 |
$138,000 | $720,000 |
$51,000 | $446,000 |
| Hispanic |
134 | $20,728,000 |
$154,000 | $475,000 |
$63,000 | $500,000 |
| Native Hawaiin or Other Pacific Islander |
7 | $1,422,000 |
$203,000 | $400,000 |
$65,000 | $99,000 |
| Not applicable |
8 | $1,217,000 |
$152,000 | $312,000 |
$59,000 | $109,000 |
| Not Provided |
273 | $36,240,000 |
$132,000 | $594,000 |
$20,000 | $159,000 |
| White |
876 | $133,099,000 |
$151,000 | $2,222,000 |
$70,000 | $625,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,507 | $224,040,000 |
$148,000 | $2,222,000 |
$58,000 | $625,000 |
| 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) |
2 | $1,170,000 |
$585,000 | $1,050,000 |
$105,000 | $182,000 |
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| Application Approved But Not Accepted |
15 | $1,949,000 |
$129,000 | $312,000 |
$68,000 | $168,000 |
| Application Denied By Financial Institution |
444 | $61,240,000 |
$137,000 | $1,650,000 |
$43,000 | $480,000 |
| Application Withdrawn By Applicant |
440 | $69,937,000 |
$158,000 | $2,222,000 |
$50,000 | $625,000 |
| File Closed For Incompleteness |
27 | $4,258,000 |
$157,000 | $475,000 |
$55,000 | $180,000 |
| Loan Originated |
583 | $87,826,000 |
$150,000 | $832,000 |
$76,000 | $472,000 |
| 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 |
25 | $3,892,000 |
$155,000 | $417,000 |
$53,000 | $138,000 |
| Credit Application Incomplete |
9 | $1,482,000 |
$164,000 | $260,000 |
$95,000 | $270,000 |
| Credit History |
121 | $20,073,000 |
$165,000 | $1,650,000 |
$45,000 | $480,000 |
| Debt-To-Income Ratio |
67 | $9,326,000 |
$139,000 | $368,000 |
$49,000 | $132,000 |
| Employment History |
9 | $1,215,000 |
$135,000 | $228,000 |
$33,000 | $78,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
14 | $2,157,000 |
$154,000 | $350,000 |
$61,000 | $132,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
192 | $22,233,000 |
$115,000 | $550,000 |
$34,000 | $192,000 |
| Unverifiable Information |
7 | $862,000 |
$123,000 | $314,000 |
$92,000 | $150,000 |
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Mortgage Loan App Totals for INNERGY LENDING LLC by:
Metropolitan Area And
County
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