AllMortgageDetail - Mortgage Application Details

Mono County CA
Mortgage Loan Application
Totals and Details
for 2014

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Years 2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 784
Total Mortgage Loan Application Amount $247,633,000
Average Mortgage Loan Application Amount $315,000
Highest Mortgage Loan Application Amount $4,462,000
Average Applicant Income $235,000
Highest Applicant Income $4,061,000

Mortgage Loan Application Detail Totals for Mono County CA in 2014

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
Refinancing 387 $130,151,000 $336,000 $4,462,000 $236,000 $4,061,000
Home Purchase 378 $114,656,000 $303,000 $1,300,000 $240,000 $2,856,000
Home Improvement 19 $2,826,000 $148,000 $529,000 $129,000 $368,000

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 546 $171,533,000 $314,000 $4,462,000 $243,000 $4,061,000
Not Provided 104 $36,071,000 $346,000 $1,665,000 $282,000 $2,809,000
Not applicable 73 $23,954,000 $328,000 $990,000 $91,000 $2,856,000
Hispanic 36 $8,183,000 $227,000 $417,000 $152,000 $996,000
Asian 22 $7,369,000 $334,000 $964,000 $451,000 $2,856,000
American Indian or Alaskan Native 2 $307,000 $153,000 $158,000 $50,000 $51,000
Black or African American 1 $216,000 $216,000 $216,000 $95,000 $95,000
Native Hawaiin or Other Pacific Islander 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) 728 $232,542,000 $319,000 $4,462,000 $247,000 $4,061,000
VA-guaranteed (Veterans Administration) 33 $9,632,000 $291,000 $1,050,000 $100,000 $711,000
FHA-insured (Federal Housing Administration) 21 $4,887,000 $232,000 $487,000 $61,000 $167,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 2 $572,000 $286,000 $286,000 $38,000 $77,000

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
Loan Originated 463 $146,072,000 $315,000 $1,665,000 $251,000 $2,856,000
Application Denied By Financial Institution 117 $36,189,000 $309,000 $1,324,000 $186,000 $1,365,000
Loan Purchased By The Institution 91 $28,099,000 $308,000 $998,000 $150,000 $2,856,000
Application Withdrawn By Applicant 51 $16,032,000 $314,000 $1,050,000 $213,000 $1,869,000
File Closed For Incompleteness 37 $13,395,000 $362,000 $4,462,000 $399,000 $4,061,000
Application Approved But Not Accepted 25 $7,846,000 $313,000 $640,000 $281,000 $1,812,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 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
Collateral 33 $9,036,000 $273,000 $975,000 $244,000 $1,365,000
Debt-To-Income Ratio 26 $10,651,000 $409,000 $1,324,000 $159,000 $947,000
Credit Application Incomplete 11 $2,148,000 $195,000 $388,000 $122,000 $394,000
Other 11 $3,190,000 $290,000 $529,000 $143,000 $359,000
Insufficient Cash (Downpayment, Closing Cost) 4 $1,504,000 $376,000 $597,000 $170,000 $366,000
Credit History 3 $647,000 $215,000 $295,000 $240,000 $475,000
Unverifiable Information 1 $480,000 $480,000 $480,000 $120,000 $120,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0