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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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IRWIN HOME EQUITY CORP
Mortgage Loans and Application Details
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| Mortgage Company Name |
IRWIN HOME EQUITY CORP |
| Address | 12677 ALCOSTA BLVD SUITE 500
SAN RAMOMN, CA 94583 |
| Agency | Federal Reserve System (FRS) |
| Year | 2006 |
| All Data Years | 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 17,575 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $1,378,000,000 |
| Average Mortgage Loan Amount Applied For | $66,113 |
| Highest Mortgage Loan Amount Applied For | $10,000,000 |
| Average Applicant Income | $68,326 |
| Highest Applicant Income | $9,999,000 |
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| Home Improvement |
3,217 | $166,948,000 |
$51,000 | $10,000,000 |
$79,000 | $6,082,000 |
| Home Purchase |
4,071 | $211,304,000 |
$51,000 | $650,000 |
$2,000 | $900,000 |
| Refinancing |
10,287 | $999,748,000 |
$97,000 | $10,000,000 |
$83,000 | $9,999,000 |
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| American Indian or Alaskan Native |
60 | $5,192,000 |
$86,000 | $475,000 |
$80,000 | $168,000 |
| Asian |
218 | $31,439,000 |
$144,000 | $980,000 |
$102,000 | $312,000 |
| Black or African American |
727 | $70,995,000 |
$97,000 | $750,000 |
$84,000 | $2,389,000 |
| Hispanic |
489 | $42,608,000 |
$87,000 | $576,000 |
$85,000 | $400,000 |
| Native Hawaiin or Other Pacific Islander |
50 | $5,718,000 |
$114,000 | $625,000 |
$95,000 | $285,000 |
| Not applicable |
7,157 | $433,039,000 |
$60,000 | $440,000 |
$28,000 | $816,000 |
| Not Provided |
1,325 | $127,032,000 |
$95,000 | $1,056,000 |
$95,000 | $6,082,000 |
| White |
7,549 | $661,977,000 |
$87,000 | $10,000,000 |
$87,000 | $9,999,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
17,575 | $1,378,000,000 |
$78,000 | $10,000,000 |
$64,000 | $9,999,000 |
| 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 |
1,397 | $94,121,000 |
$67,000 | $560,000 |
$89,000 | $1,020,000 |
| Application Denied By Financial Institution |
3,746 | $380,456,000 |
$101,000 | $10,000,000 |
$86,000 | $9,999,000 |
| Application Withdrawn By Applicant |
2,196 | $187,553,000 |
$85,000 | $1,200,000 |
$91,000 | $6,082,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
3,079 | $282,831,000 |
$91,000 | $1,069,000 |
$89,000 | $576,000 |
| Loan Purchased By The Institution |
7,157 | $433,039,000 |
$60,000 | $440,000 |
$28,000 | $816,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for IRWIN HOME EQUITY CORP by:
Metropolitan Area And
County
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