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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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SEA BREEZE FINANCIAL SVCS, INC
Mortgage Loans and Application Details
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| Mortgage Company Name |
SEA BREEZE FINANCIAL SVCS, INC |
| Address | 18191 VON KARMAN AVE #150
IRVINE, CA 92612 |
| Agency | Department of Housing and Urban Development (HUD) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 3,157 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $1,126,109,000 |
| Average Mortgage Loan Amount Applied For | $327,040 |
| Highest Mortgage Loan Amount Applied For | $4,000,000 |
| Average Applicant Income | $140,632 |
| Highest Applicant Income | $5,100,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
1,595 | $546,978,000 |
$342,000 | $3,549,000 |
$231,000 | $5,100,000 |
| Refinancing |
1,565 | $580,191,000 |
$370,000 | $4,000,000 |
$154,000 | $4,500,000 |
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| American Indian or Alaskan Native |
10 | $2,445,000 |
$244,000 | $554,000 |
$144,000 | $298,000 |
| Asian |
233 | $81,756,000 |
$350,000 | $1,820,000 |
$158,000 | $672,000 |
| Black or African American |
167 | $54,429,000 |
$325,000 | $1,125,000 |
$146,000 | $1,512,000 |
| Hispanic |
1,265 | $355,985,000 |
$281,000 | $1,819,000 |
$106,000 | $1,080,000 |
| Native Hawaiin or Other Pacific Islander |
40 | $15,220,000 |
$380,000 | $885,000 |
$117,000 | $362,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
372 | $141,006,000 |
$379,000 | $1,838,000 |
$168,000 | $934,000 |
| White |
1,073 | $476,328,000 |
$443,000 | $4,000,000 |
$323,000 | $5,100,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
3,159 | $1,126,863,000 |
$356,000 | $4,000,000 |
$193,000 | $5,100,000 |
| FHA-insured (Federal Housing Administration) |
1 | $306,000 |
$306,000 | $306,000 |
$57,000 | $57,000 |
| 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 |
869 | $312,500,000 |
$359,000 | $3,549,000 |
$164,000 | $3,300,000 |
| Application Denied By Financial Institution |
194 | $63,722,000 |
$328,000 | $2,200,000 |
$171,000 | $3,300,000 |
| Application Withdrawn By Applicant |
126 | $54,261,000 |
$430,000 | $4,000,000 |
$248,000 | $4,500,000 |
| File Closed For Incompleteness |
3 | $717,000 |
$239,000 | $552,000 |
$192,000 | $305,000 |
| Loan Originated |
1,968 | $695,969,000 |
$353,000 | $1,905,000 |
$205,000 | $5,100,000 |
| 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 |
33 | $10,718,000 |
$324,000 | $1,243,000 |
$160,000 | $420,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
99 | $33,827,000 |
$341,000 | $2,200,000 |
$129,000 | $858,000 |
| Debt-To-Income Ratio |
5 | $1,209,000 |
$241,000 | $444,000 |
$40,000 | $101,000 |
| Employment History |
7 | $1,619,000 |
$231,000 | $580,000 |
$84,000 | $138,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
2 | $288,000 |
$144,000 | $230,000 |
$86,000 | $86,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
26 | $8,976,000 |
$345,000 | $840,000 |
$402,000 | $3,300,000 |
| Unverifiable Information |
12 | $3,605,000 |
$300,000 | $700,000 |
$184,000 | $250,000 |
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Mortgage Loan App Totals for SEA BREEZE FINANCIAL SVCS, INC by:
Metropolitan Area And
County
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