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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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THE CAL-BAY MORTGAGE GROUP
Mortgage Loans and Application Details
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| Mortgage Company Name |
THE CAL-BAY MORTGAGE GROUP |
| Address | 939 TRANSPORT WAY
PETALUMA, CA 94954 |
| Agency | Department of Housing and Urban Development (HUD) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 1,722 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $487,444,000 |
| Average Mortgage Loan Amount Applied For | $285,695 |
| Highest Mortgage Loan Amount Applied For | $1,500,000 |
| Average Applicant Income | $133,717 |
| Highest Applicant Income | $804,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
1,071 | $275,776,000 |
$257,000 | $2,000,000 |
$107,000 | $927,000 |
| Refinancing |
904 | $286,895,000 |
$317,000 | $2,320,000 |
$126,000 | $3,000,000 |
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| American Indian or Alaskan Native |
10 | $2,256,000 |
$225,000 | $740,000 |
$64,000 | $223,000 |
| Asian |
90 | $22,332,000 |
$248,000 | $980,000 |
$103,000 | $670,000 |
| Black or African American |
40 | $7,963,000 |
$199,000 | $644,000 |
$75,000 | $209,000 |
| Hispanic |
418 | $111,910,000 |
$267,000 | $920,000 |
$87,000 | $371,000 |
| Native Hawaiin or Other Pacific Islander |
9 | $2,661,000 |
$295,000 | $464,000 |
$257,000 | $360,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
44 | $13,636,000 |
$309,000 | $800,000 |
$103,000 | $346,000 |
| White |
1,364 | $401,913,000 |
$294,000 | $2,320,000 |
$126,000 | $3,000,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,925 | $553,358,000 |
$287,000 | $2,320,000 |
$118,000 | $3,000,000 |
| FHA-insured (Federal Housing Administration) |
47 | $8,469,000 |
$180,000 | $368,000 |
$47,000 | $160,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
3 | $844,000 |
$281,000 | $413,000 |
$57,000 | $80,000 |
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| Application Approved But Not Accepted |
174 | $53,592,000 |
$308,000 | $1,000,000 |
$121,000 | $524,000 |
| Application Denied By Financial Institution |
32 | $9,810,000 |
$306,000 | $2,320,000 |
$256,000 | $3,000,000 |
| Application Withdrawn By Applicant |
482 | $128,355,000 |
$266,000 | $2,000,000 |
$103,000 | $670,000 |
| File Closed For Incompleteness |
23 | $5,686,000 |
$247,000 | $680,000 |
$160,000 | $927,000 |
| Loan Originated |
1,264 | $365,228,000 |
$288,000 | $1,500,000 |
$116,000 | $804,000 |
| 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 |
7 | $2,682,000 |
$383,000 | $1,000,000 |
$299,000 | $798,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
13 | $2,161,000 |
$166,000 | $388,000 |
$132,000 | $296,000 |
| 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 |
3 | $515,000 |
$171,000 | $328,000 |
$112,000 | $180,000 |
| Unverifiable Information |
1 | $53,000 |
$53,000 | $53,000 |
$140,000 | $140,000 |
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Mortgage Loan App Totals for THE CAL-BAY MORTGAGE GROUP by:
Metropolitan Area And
County
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