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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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LENDING CAPITAL HOME LOANS
Mortgage Loans and Application Details
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| Mortgage Company Name |
LENDING CAPITAL HOME LOANS |
| Address | 4695 MACARTHUR COURT, SUITE 450
NEWPORT BEACH, CA 92660 |
| Agency | Department of Housing and Urban Development (HUD) |
| Year | 2006 |
| All Data Years | 2006 |
| Total Number of Mortgage Loan Applications Processed | 132 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $31,594,000 |
| Average Mortgage Loan Amount Applied For | $248,233 |
| Highest Mortgage Loan Amount Applied For | $716,000 |
| Average Applicant Income | $85,816 |
| Highest Applicant Income | $330,000 |
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| Home Improvement |
9 | $2,195,000 |
$243,000 | $459,000 |
$59,000 | $113,000 |
| Home Purchase |
12 | $3,412,000 |
$284,000 | $700,000 |
$74,000 | $288,000 |
| Refinancing |
111 | $25,987,000 |
$234,000 | $716,000 |
$87,000 | $330,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
2 | $752,000 |
$376,000 | $376,000 |
$130,000 | $130,000 |
| Black or African American |
15 | $3,237,000 |
$215,000 | $459,000 |
$79,000 | $167,000 |
| Hispanic |
23 | $5,029,000 |
$218,000 | $528,000 |
$69,000 | $132,000 |
| Native Hawaiin or Other Pacific Islander |
3 | $785,000 |
$261,000 | $360,000 |
$73,000 | $82,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
14 | $4,176,000 |
$298,000 | $680,000 |
$107,000 | $288,000 |
| White |
75 | $17,615,000 |
$234,000 | $716,000 |
$84,000 | $330,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
132 | $31,594,000 |
$239,000 | $716,000 |
$84,000 | $330,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
73 | $16,901,000 |
$231,000 | $716,000 |
$78,000 | $330,000 |
| Application Withdrawn By Applicant |
44 | $11,332,000 |
$257,000 | $700,000 |
$93,000 | $300,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
15 | $3,361,000 |
$224,000 | $459,000 |
$84,000 | $130,000 |
| 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 |
1 | $210,000 |
$210,000 | $210,000 |
$65,000 | $65,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
4 | $837,000 |
$209,000 | $300,000 |
$53,000 | $118,000 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
9 | $2,212,000 |
$245,000 | $383,000 |
$65,000 | $111,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
7 | $1,577,000 |
$225,000 | $540,000 |
$93,000 | $137,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for LENDING CAPITAL HOME LOANS by:
Metropolitan Area And
County
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