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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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LENDERS DIRECT CAPITAL CORP
Mortgage Loans and Application Details
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| Mortgage Company Name |
LENDERS DIRECT CAPITAL CORP |
| Address | 26140 ENTERPRISE WAY, 2ND FLOOR
LAKE FOREST, CA 92630 |
| Agency | Department of Housing and Urban Development (HUD) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 12,618 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $2,270,021,000 |
| Average Mortgage Loan Amount Applied For | $146,202 |
| Highest Mortgage Loan Amount Applied For | $1,280,000 |
| Average Applicant Income | $79,844 |
| Highest Applicant Income | $1,740,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
7,825 | $1,299,744,000 |
$166,000 | $1,085,000 |
$99,000 | $1,740,000 |
| Refinancing |
4,793 | $970,277,000 |
$202,000 | $1,280,000 |
$96,000 | $1,524,000 |
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| American Indian or Alaskan Native |
45 | $8,643,000 |
$192,000 | $682,000 |
$89,000 | $240,000 |
| Asian |
454 | $112,549,000 |
$247,000 | $908,000 |
$136,000 | $732,000 |
| Black or African American |
1,869 | $319,298,000 |
$170,000 | $1,280,000 |
$95,000 | $879,000 |
| Hispanic |
4,643 | $833,596,000 |
$179,000 | $805,000 |
$91,000 | $887,000 |
| Native Hawaiin or Other Pacific Islander |
87 | $17,365,000 |
$199,000 | $756,000 |
$112,000 | $264,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
1,159 | $233,530,000 |
$201,000 | $1,200,000 |
$98,000 | $576,000 |
| White |
4,361 | $745,040,000 |
$170,000 | $1,085,000 |
$103,000 | $1,740,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
12,618 | $2,270,021,000 |
$179,000 | $1,280,000 |
$98,000 | $1,740,000 |
| 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 |
1,561 | $285,962,000 |
$183,000 | $980,000 |
$99,000 | $720,000 |
| Application Denied By Financial Institution |
1,964 | $350,677,000 |
$178,000 | $1,280,000 |
$105,000 | $1,740,000 |
| Application Withdrawn By Applicant |
40 | $7,857,000 |
$196,000 | $810,000 |
$135,000 | $576,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
9,053 | $1,625,525,000 |
$179,000 | $951,000 |
$96,000 | $1,524,000 |
| 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 |
258 | $39,246,000 |
$152,000 | $1,000,000 |
$92,000 | $616,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
366 | $55,765,000 |
$152,000 | $1,200,000 |
$91,000 | $624,000 |
| Debt-To-Income Ratio |
160 | $27,528,000 |
$172,000 | $757,000 |
$86,000 | $634,000 |
| Employment History |
37 | $5,078,000 |
$137,000 | $680,000 |
$79,000 | $370,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
15 | $2,975,000 |
$198,000 | $756,000 |
$105,000 | $270,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
552 | $96,058,000 |
$174,000 | $908,000 |
$107,000 | $1,505,000 |
| Unverifiable Information |
75 | $18,634,000 |
$248,000 | $796,000 |
$146,000 | $420,000 |
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Mortgage Loan App Totals for LENDERS DIRECT CAPITAL CORP by:
Metropolitan Area And
County
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