AllMortgageDetail - Mortgage Application Details

21St Mortgage
Mortgage Loan Application
Totals and Details
for 2007

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Mortgage Company & Address 21St Mortgage
620 Market St Suite 100
Knoxville, TN 37902
Federal Regulator Department of Housing and Urban Development (HUD)
Years 2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 46,294
Total Mortgage Loan Application Amount $2,712,771,000
Average Mortgage Loan Application Amount $58,036
Highest Mortgage Loan Application Amount $1,500,000
Average Applicant Income $46,085
Highest Applicant Income $941,000

Mortgage Loan Application Detail Totals for 21St Mortgage in 2007

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 74,870 $4,194,928,000 $56,000 $1,500,000 $45,000 $941,000
Refinancing 6,396 $405,259,000 $63,000 $698,000 $54,000 $687,000
Home Improvement 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 59,675 $3,400,846,000 $56,000 $1,500,000 $46,000 $900,000
Hispanic 7,687 $462,151,000 $60,000 $900,000 $48,000 $540,000
Black or African American 7,608 $382,506,000 $50,000 $450,000 $35,000 $816,000
Not Provided 4,682 $253,983,000 $54,000 $571,000 $47,000 $505,000
American Indian or Alaskan Native 1,044 $58,980,000 $56,000 $800,000 $43,000 $447,000
Asian 570 $41,721,000 $73,000 $666,000 $66,000 $941,000
Native Hawaiin or Other Pacific Islander 0 $0 $0 $0 $0 $0
Not applicable 0 $0 $0 $0 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 79,287 $4,528,037,000 $57,000 $1,500,000 $46,000 $941,000
FHA-insured (Federal Housing Administration) 1,979 $72,150,000 $36,000 $86,000 $31,000 $120,000
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

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Application Denied By Financial Institution 39,779 $2,269,154,000 $57,000 $900,000 $42,000 $941,000
Application Approved But Not Accepted 27,502 $1,647,023,000 $59,000 $1,500,000 $50,000 $900,000
Loan Originated 13,985 $684,010,000 $48,000 $698,000 $48,000 $720,000
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
Application Withdrawn By Applicant 0 $0 $0 $0 $0 $0
File Closed For Incompleteness 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Credit History 27,329 $1,455,469,000 $53,000 $900,000 $43,000 $742,000
Debt-To-Income Ratio 8,993 $592,028,000 $65,000 $800,000 $33,000 $505,000
Employment History 1,308 $68,066,000 $52,000 $350,000 $37,000 $228,000
Other 796 $51,072,000 $64,000 $666,000 $64,000 $941,000
Collateral 396 $37,082,000 $93,000 $420,000 $70,000 $551,000
Credit Application Incomplete 251 $18,715,000 $74,000 $450,000 $50,000 $182,000
Unverifiable Information 160 $10,916,000 $68,000 $312,000 $52,000 $252,000
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0