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| $5,279,183,286,000 in Mortgage Loans Applied for in 2007 from 26,605,695 Applications |
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NPB MORTGAGE, LLC
Mortgage Loans and Application Details
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| Mortgage Company Name |
NPB MORTGAGE, LLC |
| Address | 3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2007 |
| Data Years (click a year for detail) | 2003 2004 2005 2006 2007 |
| Total Number of Mortgage Loan Applications Processed | 2,198 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $185,824,000 |
| Average Mortgage Loan Amount Applied For | $81,158 |
| Highest Mortgage Loan Amount Applied For | $1,000,000 |
| Average Applicant Income | $54,331 |
| Highest Applicant Income | $615,000 |
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| Home Improvement |
239 | $16,311,000 |
$68,000 | $480,000 |
$49,000 | $250,000 |
| Home Purchase |
999 | $73,978,000 |
$74,000 | $510,000 |
$55,000 | $491,000 |
| Refinancing |
1,212 | $115,948,000 |
$95,000 | $1,000,000 |
$54,000 | $615,000 |
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| American Indian or Alaskan Native |
10 | $645,000 |
$64,000 | $120,000 |
$58,000 | $125,000 |
| Asian |
14 | $2,082,000 |
$148,000 | $548,000 |
$111,000 | $260,000 |
| Black or African American |
57 | $3,843,000 |
$67,000 | $216,000 |
$43,000 | $117,000 |
| Hispanic |
39 | $3,948,000 |
$101,000 | $321,000 |
$46,000 | $151,000 |
| Native Hawaiin or Other Pacific Islander |
4 | $180,000 |
$45,000 | $53,000 |
$45,000 | $92,000 |
| Not applicable |
3 | $115,000 |
$38,000 | $50,000 |
$20,000 | $61,000 |
| Not Provided |
324 | $26,587,000 |
$82,000 | $653,000 |
$54,000 | $516,000 |
| White |
1,999 | $168,837,000 |
$84,000 | $1,000,000 |
$54,000 | $615,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
2,446 | $205,912,000 |
$84,000 | $1,000,000 |
$54,000 | $615,000 |
| FHA-insured (Federal Housing Administration) |
4 | $325,000 |
$81,000 | $105,000 |
$42,000 | $60,000 |
| 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 |
449 | $35,925,000 |
$80,000 | $653,000 |
$58,000 | $516,000 |
| Application Denied By Financial Institution |
1,334 | $120,522,000 |
$90,000 | $1,000,000 |
$52,000 | $615,000 |
| Application Withdrawn By Applicant |
135 | $11,556,000 |
$85,000 | $520,000 |
$51,000 | $233,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
529 | $38,119,000 |
$72,000 | $417,000 |
$56,000 | $600,000 |
| Loan Purchased By The Institution |
3 | $115,000 |
$38,000 | $50,000 |
$20,000 | $61,000 |
| 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 |
102 | $8,989,000 |
$88,000 | $294,000 |
$62,000 | $491,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
326 | $27,174,000 |
$83,000 | $1,000,000 |
$46,000 | $615,000 |
| Debt-To-Income Ratio |
168 | $17,645,000 |
$105,000 | $800,000 |
$44,000 | $264,000 |
| Employment History |
22 | $1,399,000 |
$63,000 | $225,000 |
$39,000 | $116,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
376 | $33,604,000 |
$89,000 | $856,000 |
$58,000 | $360,000 |
| Unverifiable Information |
38 | $4,258,000 |
$112,000 | $510,000 |
$83,000 | $240,000 |
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Mortgage Loan App Totals for NPB MORTGAGE, LLC by:
Metropolitan Area And
County
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