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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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INVESTORS TRUST MORTGAGE
Mortgage Loans and Application Details
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| Mortgage Company Name |
INVESTORS TRUST MORTGAGE |
| Address | 1105 NORTH DUTTON AVENUE
SANTA ROSA, CA 95401 |
| Agency | Department of Housing and Urban Development (HUD) |
| Year | 2005 |
| All Data Years | 2003 2004 2005 |
| Total Number of Mortgage Loan Applications Processed | 1,841 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $621,710,000 |
| Average Mortgage Loan Amount Applied For | $321,072 |
| Highest Mortgage Loan Amount Applied For | $1,500,000 |
| Average Applicant Income | $120,545 |
| Highest Applicant Income | $8,380,000 |
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| Home Improvement |
1 | $315,000 |
$315,000 | $315,000 |
$123,000 | $123,000 |
| Home Purchase |
718 | $235,542,000 |
$257,750 | $1,200,000 |
$83,000 | $2,750,000 |
| Refinancing |
1,122 | $385,853,000 |
$263,000 | $1,500,000 |
$86,666 | $8,380,000 |
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| American Indian or Alaskan Native |
21 | $7,170,000 |
$310,500 | $651,000 |
$115,000 | $216,000 |
| Asian |
183 | $63,588,000 |
$341,500 | $1,200,000 |
$141,500 | $1,550,000 |
| Black or African American |
64 | $16,358,000 |
$271,000 | $948,000 |
$95,000 | $250,000 |
| Hispanic |
231 | $84,253,000 |
$282,000 | $956,000 |
$96,500 | $780,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
214 | $75,566,000 |
$245,333 | $1,000,000 |
$80,666 | $1,320,000 |
| White |
1,128 | $374,775,000 |
$259,500 | $1,500,000 |
$82,500 | $8,380,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,841 | $621,710,000 |
$258,750 | $1,500,000 |
$74,750 | $8,380,000 |
| 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 |
336 | $108,676,000 |
$300,500 | $1,500,000 |
$126,000 | $8,380,000 |
| Application Denied By Financial Institution |
280 | $103,011,000 |
$318,500 | $1,000,000 |
$133,000 | $1,550,000 |
| Application Withdrawn By Applicant |
16 | $6,923,000 |
$432,000 | $760,000 |
$129,000 | $226,000 |
| File Closed For Incompleteness |
2 | $310,000 |
$155,000 | $215,000 |
$0 | $0 |
| Loan Originated |
1,207 | $402,790,000 |
$256,750 | $1,200,000 |
$71,750 | $6,200,000 |
| 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 |
44 | $14,545,000 |
$270,000 | $956,000 |
$118,000 | $487,000 |
| Credit Application Incomplete |
4 | $1,093,000 |
$273,000 | $384,000 |
$72,000 | $120,000 |
| Credit History |
59 | $20,302,000 |
$303,500 | $800,000 |
$135,000 | $540,000 |
| Debt-To-Income Ratio |
58 | $20,723,000 |
$324,500 | $860,000 |
$107,000 | $373,000 |
| Employment History |
32 | $12,967,000 |
$345,500 | $980,000 |
$126,000 | $348,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
10 | $4,317,000 |
$373,000 | $770,000 |
$133,500 | $976,000 |
| Mortgage Insurance Denied |
1 | $594,000 |
$594,000 | $594,000 |
$78,000 | $78,000 |
| Other |
24 | $8,384,000 |
$301,500 | $636,000 |
$169,500 | $1,120,000 |
| Unverifiable Information |
48 | $20,086,000 |
$384,000 | $1,000,000 |
$168,000 | $1,550,000 |
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Mortgage Loan App Totals for INVESTORS TRUST MORTGAGE by:
Metropolitan Area And
County
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