Residential Finance Survey |
|
Holder of First Mortgage | ||||||||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Total | Commercial bank or trust company |
Savings and loan association |
Mutual savings bank |
Life insurance company |
Mortgage banker or mortgage company |
Federally- sponsored agency or mortgage pool |
Conventional mortgage pool |
Other federal agency |
Real estate investment trust (REIT) |
Pension fund or retirement fund |
Credit union |
Finance company |
State or municipal government or housing finance agency |
Individual or individual's estate |
Other | |
1-housing-unit properties with a traditional first mortgage |
4129 | 819 | 460 | 97 | 77 | 278 | 1635 | 52 | 161 | 7 | 6 | 125 | 86 | 178 | 84 | 64 |
PROPERTY CHARACTERISTICS Property Location by Geographic Area Inside MAs |
3259 | 540 | 408 | 68 | 62 | 253 | 1308 | 52 | 132 | 7 | 6 | 94 | 68 | 148 | 60 | 55 |
In central cities | 1293 | 214 | 159 | 34 | 6 | 81 | 538 | 31 | 43 | 0 | 6 | 42 | 29 | 72 | 20 | 18 |
Not in central cities | 1966 | 326 | 248 | 34 | 55 | 172 | 770 | 22 | 88 | 7 | 0 | 52 | 39 | 76 | 40 | 37 |
Outside MAs | 870 | 280 | 52 | 29 | 16 | 25 | 327 | 0 | 30 | 0 | 0 | 30 | 18 | 30 | 25 | 9 |
Year Structure Built 1999 to March 2000 |
138 | 38 | 0 | 5 | 2 | 7 | 60 | 0 | 5 | 0 | 0 | 0 | 0 | 20 | 0 | 0 |
1997 and 1998 | 152 | 26 | 6 | 0 | 0 | 0 | 93 | 8 | 0 | 0 | 0 | 0 | 5 | 7 | 8 | 0 |
1995 and 1996 | 124 | 19 | 8 | 0 | 10 | 7 | 53 | 0 | 4 | 0 | 0 | 5 | 6 | 13 | 0 | 0 |
1990 to 1994 | 265 | 48 | 21 | 0 | 12 | 29 | 82 | 0 | 28 | 0 | 0 | 18 | 0 | 15 | 6 | 6 |
1980 to 1989 | 554 | 89 | 120 | 0 | 14 | 29 | 226 | 0 | 24 | 0 | 0 | 22 | 6 | 7 | 0 | 19 |
1970 to 1979 | 676 | 107 | 30 | 22 | 19 | 43 | 313 | 8 | 36 | 7 | 0 | 24 | 41 | 23 | 3 | 0 |
1960 to 1969 | 472 | 92 | 55 | 12 | 14 | 44 | 134 | 5 | 25 | 0 | 0 | 39 | 10 | 14 | 17 | 11 |
1950 to 1959 | 695 | 146 | 91 | 31 | 0 | 65 | 261 | 8 | 21 | 0 | 6 | 6 | 12 | 23 | 16 | 9 |
1940 to 1949 | 415 | 101 | 32 | 28 | 0 | 32 | 148 | 17 | 8 | 0 | 0 | 0 | 6 | 13 | 23 | 6 |
1939 or earlier | 637 | 153 | 97 | 0 | 6 | 22 | 265 | 6 | 10 | 0 | 0 | 11 | 0 | 44 | 12 | 14 |
Purchase Price Properties acquired by purchase 1997 to 2001 (part) |
1560 | 329 | 143 | 41 | 33 | 68 | 645 | 37 | 62 | 0 | 0 | 21 | 39 | 79 | 43 | 18 |
Less than $20,000 | 115 | 33 | 6 | 0 | 0 | 0 | 43 | 0 | 11 | 0 | 0 | 0 | 0 | 13 | 9 | 0 |
$20,000 to $39,999 | 226 | 59 | 30 | 0 | 0 | 6 | 100 | 13 | 6 | 0 | 0 | 0 | 12 | 0 | 0 | 0 |
$40,000 to $59,999 | 204 | 43 | 25 | 0 | 0 | 7 | 98 | 0 | 7 | 0 | 0 | 0 | 11 | 7 | 0 | 7 |
$60,000 to $79,999 | 228 | 50 | 0 | 10 | 8 | 11 | 103 | 0 | 9 | 0 | 0 | 7 | 0 | 7 | 16 | 7 |
$80,000 to $99,999 | 163 | 67 | 26 | 0 | 0 | 4 | 44 | 8 | 8 | 0 | 0 | 0 | 0 | 7 | 0 | 0 |
$100,000 to $124,999 | 125 | 21 | 16 | 0 | 0 | 15 | 33 | 8 | 8 | 0 | 0 | 6 | 0 | 6 | 11 | 0 |
$125,000 to $149,999 | 169 | 11 | 6 | 6 | 7 | 8 | 116 | 8 | 7 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
$150,000 to $174,999 | 48 | 15 | 9 | 0 | 0 | 6 | 5 | 0 | 0 | 0 | 0 | 7 | 5 | 0 | 0 | 0 |
$175,000 to $199,999 | 96 | 19 | 7 | 0 | 16 | 6 | 40 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 7 | 0 |
$200,000 to $249,999 | 88 | 9 | 0 | 0 | 0 | 0 | 31 | 0 | 0 | 0 | 0 | 0 | 5 | 39 | 0 | 5 |
$250,000 to $299,999 | 44 | 2 | 7 | 6 | 0 | 0 | 24 | 0 | 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
$300,000 to $499,999 | 27 | 1 | 9 | 8 | 2 | 6 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
$500,000 or more | 27 | 0 | 2 | 11 | 0 | 0 | 8 | 0 | 0 | 0 | 0 | 0 | 6 | 0 | 0 | 0 |
Median | 80933 | 71830 | 88294 | 290673 | 177822 | 111715 | 75843 | 94200 | 73692 | 0 | 0 | 112486 | 53874 | 123747 | 76275 | 66645 |
Mean | 106508 | 78988 | 112658 | 292515 | 155059 | 127752 | 101052 | 82723 | 81027 | 0 | 0 | 122070 | 156350 | 131506 | 86928 | 107959 |
Other properties | 2569 | 490 | 317 | 56 | 44 | 210 | 990 | 15 | 99 | 7 | 6 | 104 | 47 | 99 | 41 | 45 |
Value Less than $20,000 |
120 | 25 | 8 | 0 | 0 | 6 | 43 | 0 | 18 | 0 | 0 | 0 | 0 | 13 | 9 | 0 |
$20,000 to $39,999 | 322 | 111 | 31 | 7 | 6 | 0 | 125 | 0 | 12 | 0 | 0 | 6 | 0 | 13 | 4 | 6 |
$40,000 to $59,999 | 510 | 112 | 47 | 16 | 6 | 12 | 185 | 21 | 25 | 0 | 0 | 34 | 22 | 17 | 7 | 6 |
$60,000 to $79,999 | 633 | 167 | 68 | 14 | 13 | 38 | 229 | 7 | 16 | 0 | 0 | 16 | 22 | 7 | 28 | 7 |
$80,000 to $99,999 | 542 | 124 | 36 | 16 | 14 | 27 | 230 | 0 | 14 | 0 | 0 | 13 | 25 | 22 | 14 | 7 |
$100,000 to $124,999 | 469 | 105 | 60 | 6 | 0 | 38 | 176 | 8 | 6 | 7 | 6 | 18 | 0 | 18 | 15 | 6 |
$125,000 to $149,999 | 284 | 21 | 38 | 0 | 6 | 23 | 141 | 16 | 6 | 0 | 0 | 0 | 0 | 27 | 0 | 5 |
$150,000 to $174,999 | 268 | 37 | 50 | 0 | 7 | 17 | 113 | 0 | 25 | 0 | 0 | 5 | 5 | 0 | 0 | 9 |
$175,000 to $199,999 | 196 | 19 | 17 | 8 | 4 | 31 | 88 | 0 | 8 | 0 | 0 | 14 | 0 | 8 | 0 | 0 |
$200,000 to $249,999 | 286 | 43 | 45 | 6 | 11 | 14 | 94 | 0 | 9 | 0 | 0 | 11 | 5 | 40 | 0 | 8 |
$250,000 to $299,999 | 147 | 22 | 15 | 0 | 0 | 0 | 79 | 0 | 13 | 0 | 0 | 0 | 0 | 6 | 8 | 5 |
$300,000 to $499,999 | 248 | 23 | 44 | 6 | 8 | 58 | 91 | 0 | 0 | 0 | 0 | 7 | 0 | 5 | 0 | 6 |
$500,000 or more | 106 | 10 | 2 | 19 | 0 | 15 | 41 | 0 | 8 | 0 | 0 | 0 | 6 | 3 | 0 | 0 |
Median | 97746 | 79355 | 116735 | 95854 | 98496 | 145301 | 100700 | 74122 | 93192 | 112500 | 112500 | 88425 | 78419 | 125476 | 76183 | 125879 |
Mean | 133045 | 103071 | 139278 | 200246 | 141512 | 204292 | 134215 | 86867 | 136078 | 103300 | 100000 | 114217 | 122395 | 139590 | 88288 | 148625 |
Value of Capital Improvements Properties with capital improvements between 1998 and 2000 |
1829 | 368 | 205 | 56 | 40 | 123 | 730 | 10 | 78 | 7 | 6 | 50 | 30 | 63 | 29 | 34 |
Less than $500 | 40 | 22 | 4 | 0 | 0 | 0 | 7 | 0 | 0 | 0 | 0 | 0 | 0 | 7 | 0 | 0 |
$500 to $999 | 70 | 9 | 18 | 0 | 0 | 0 | 22 | 0 | 0 | 0 | 0 | 6 | 0 | 0 | 6 | 9 |
$1,000 to $2,499 | 335 | 94 | 34 | 6 | 7 | 25 | 92 | 0 | 17 | 0 | 6 | 6 | 12 | 20 | 8 | 8 |
$2,500 to $4,999 | 399 | 47 | 47 | 0 | 14 | 18 | 191 | 0 | 29 | 0 | 0 | 13 | 13 | 8 | 7 | 12 |
$5,000 to $7,499 | 428 | 81 | 41 | 22 | 0 | 32 | 199 | 0 | 16 | 7 | 0 | 0 | 6 | 10 | 7 | 6 |
$7,500 to $9,999 | 106 | 40 | 0 | 6 | 0 | 16 | 32 | 10 | 0 | 0 | 0 | 0 | 0 | 3 | 0 | 0 |
$10,000 to $14,999 | 121 | 19 | 17 | 10 | 7 | 9 | 51 | 0 | 8 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
$15,000 to $19,999 | 93 | 6 | 9 | 0 | 0 | 7 | 55 | 0 | 0 | 0 | 0 | 14 | 0 | 0 | 0 | 0 |
$20,000 to $29,999 | 106 | 27 | 12 | 6 | 0 | 6 | 44 | 0 | 0 | 0 | 0 | 0 | 0 | 11 | 0 | 0 |
$30,000 or more | 130 | 22 | 23 | 6 | 13 | 10 | 35 | 0 | 7 | 0 | 0 | 11 | 0 | 3 | 0 | 0 |
Median | 5411 | 5358 | 5015 | 7471 | 4967 | 6442 | 5646 | 8750 | 4370 | 6250 | 1750 | 4999 | 3172 | 3873 | 2468 | 2667 |
Mean | 9814 | 9584 | 10327 | 13482 | 28261 | 9406 | 7993 | 8000 | 22874 | 5300 | 2000 | 14243 | 3045 | 8729 | 2736 | 2436 |
Properties with no capital improvements between 1998 and 2000 |
1750 | 347 | 187 | 42 | 12 | 117 | 728 | 42 | 42 | 0 | 0 | 40 | 45 | 87 | 47 | 12 |
Capital improvements not reported |
550 | 104 | 68 | 0 | 25 | 37 | 177 | 0 | 41 | 0 | 0 | 34 | 10 | 28 | 9 | 17 |
Monthly Rental Receipts Acquired before 2000 |
3528 | 665 | 406 | 79 | 63 | 248 | 1427 | 45 | 137 | 7 | 6 | 102 | 80 | 136 | 76 | 52 |
Less than $100 | 86 | 15 | 8 | 0 | 0 | 0 | 50 | 0 | 6 | 0 | 0 | 0 | 0 | 7 | 0 | 0 |
$100 to $199 | 112 | 35 | 12 | 6 | 0 | 0 | 40 | 0 | 0 | 0 | 0 | 6 | 7 | 7 | 0 | 0 |
$200 to $299 | 122 | 30 | 6 | 7 | 0 | 0 | 62 | 0 | 11 | 0 | 0 | 0 | 0 | 0 | 0 | 6 |
$300 to $399 | 295 | 96 | 16 | 0 | 6 | 9 | 92 | 5 | 13 | 0 | 0 | 20 | 6 | 8 | 15 | 9 |
$400 to $499 | 364 | 101 | 40 | 22 | 7 | 19 | 96 | 10 | 22 | 0 | 0 | 16 | 17 | 4 | 6 | 5 |
$500 to $599 | 365 | 72 | 36 | 18 | 7 | 19 | 124 | 7 | 12 | 0 | 0 | 10 | 22 | 20 | 11 | 6 |
$600 to $799 | 624 | 99 | 80 | 6 | 13 | 26 | 294 | 0 | 18 | 0 | 6 | 10 | 11 | 22 | 23 | 15 |
$800 to $999 | 360 | 60 | 46 | 0 | 7 | 21 | 190 | 8 | 0 | 7 | 0 | 6 | 0 | 0 | 7 | 6 |
$1000 or more | 928 | 98 | 119 | 14 | 16 | 137 | 392 | 8 | 38 | 0 | 0 | 28 | 10 | 54 | 9 | 6 |
No rental receipts | 272 | 59 | 42 | 7 | 6 | 16 | 88 | 6 | 16 | 0 | 0 | 6 | 7 | 15 | 4 | 0 |
Median | 691 | 537 | 758 | 505 | 727 | 1572926 | 741 | 557 | 565 | 900 | 700 | 561 | 532 | 737 | 630 | 607 |
Mean | 1708 | 803 | 1741 | 900 | 810 | 1425 | 1003 | 606 | 18013 | 938 | 600 | 842 | 617 | 997 | 986 | 644 |
Acquired 2000 and 2001 (part) | 602 | 154 | 54 | 18 | 14 | 30 | 208 | 8 | 24 | 0 | 0 | 22 | 6 | 41 | 9 | 11 |
Rental Receipts as Percent of Value@8 Acquired before 2000 |
3528 | 665 | 406 | 79 | 63 | 248 | 1427 | 45 | 137 | 7 | 6 | 102 | 80 | 136 | 76 | 52 |
Less than 5 percent | 304 | 56 | 39 | 23 | 0 | 25 | 104 | 0 | 0 | 0 | 0 | 13 | 7 | 9 | 7 | 22 |
5 to 9 percent | 1161 | 201 | 129 | 29 | 21 | 77 | 506 | 14 | 46 | 0 | 6 | 13 | 25 | 46 | 29 | 19 |
10 to 14 percent | 1489 | 278 | 151 | 14 | 35 | 124 | 604 | 25 | 49 | 7 | 0 | 70 | 42 | 56 | 22 | 12 |
15 to 19 percent | 98 | 27 | 21 | 0 | 0 | 0 | 47 | 0 | 0 | 0 | 0 | 0 | 0 | 3 | 0 | 0 |
20 to 24 percent | 49 | 23 | 2 | 7 | 0 | 0 | 8 | 0 | 5 | 0 | 0 | 0 | 0 | 0 | 4 | 0 |
25 to 29 percent | 23 | 0 | 2 | 0 | 0 | 6 | 0 | 0 | 6 | 0 | 0 | 0 | 0 | 0 | 9 | 0 |
30 to 39 percent | 5 | 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
40 percent or more | 41 | 0 | 13 | 0 | 0 | 0 | 20 | 0 | 7 | 0 | 0 | 0 | 0 | 0 | 1 | 0 |
Median | 10 | 11 | 10 | 7 | 11 | 11 | 10 | 11 | 11 | 13 | 8 | 12 | 11 | 10 | 10 | 6 |
Acquired 2000 and 2001 (part) | 602 | 154 | 54 | 18 | 14 | 30 | 208 | 8 | 24 | 0 | 0 | 22 | 6 | 41 | 9 | 11 |
Rental Vacancy Losses as Percent of Potential Receipts Acquired before 2000 |
3528 | 665 | 406 | 79 | 63 | 248 | 1427 | 45 | 137 | 7 | 6 | 102 | 80 | 136 | 76 | 52 |
Less than 1.0 percent | 1291 | 240 | 159 | 58 | 20 | 72 | 523 | 26 | 30 | 0 | 0 | 25 | 40 | 36 | 29 | 32 |
1.0 to 2.9 percent | 12 | 5 | 0 | 0 | 0 | 0 | 7 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
3.0 to 4.9 percent | 15 | 0 | 0 | 0 | 0 | 0 | 11 | 0 | 0 | 0 | 0 | 0 | 0 | 3 | 0 | 0 |
5.0 to 6.9 percent | 24 | 6 | 0 | 0 | 0 | 0 | 18 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
7.0 to 8.9 percent | 96 | 0 | 6 | 0 | 0 | 16 | 58 | 0 | 14 | 0 | 0 | 0 | 0 | 3 | 0 | 0 |
9.0 to 10.9 percent | 26 | 7 | 0 | 0 | 0 | 0 | 10 | 0 | 8 | 0 | 0 | 0 | 0 | 0 | 1 | 0 |
11.0 to 12.9 percent | 34 | 6 | 0 | 0 | 0 | 6 | 22 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
13.0 to 14.9 percent | 25 | 0 | 1 | 0 | 0 | 0 | 18 | 0 | 0 | 0 | 6 | 0 | 0 | 0 | 0 | 0 |
15.0 percent or more | 282 | 71 | 41 | 0 | 6 | 12 | 87 | 5 | 6 | 0 | 0 | 19 | 7 | 10 | 13 | 6 |
Not reported or not computed | 1723 | 330 | 198 | 21 | 37 | 142 | 673 | 13 | 79 | 7 | 0 | 59 | 33 | 83 | 32 | 15 |
Median | 0.7 | 0.7 | 0.7 | 0.5 | 0.6 | 0.7 | 0.7 | 0.6 | 1.0 | 0.0 | 14.0 | 0.9 | 0.6 | 0.7 | 0.7 | 0.6 |
Acquired 2000 and 2001 (part) | 602 | 154 | 54 | 18 | 14 | 30 | 208 | 8 | 24 | 0 | 0 | 22 | 6 | 41 | 9 | 11 |
Age Restrictions Property restricted to people age 55 or older |
403 | 93 | 48 | 12 | 0 | 36 | 148 | 0 | 13 | 0 | 0 | 0 | 10 | 30 | 8 | 5 |
Property not restricted to people age 55 or older |
3559 | 687 | 401 | 86 | 64 | 235 | 1426 | 52 | 142 | 0 | 6 | 113 | 66 | 148 | 76 | 58 |
Not reported | 168 | 39 | 11 | 0 | 13 | 7 | 61 | 0 | 6 | 7 | 0 | 12 | 10 | 0 | 0 | 0 |
OWNER CHARACTERISTICS Type of Owner Individual investor(s) |
3491 | 671 | 375 | 92 | 58 | 241 | 1400 | 52 | 136 | 7 | 6 | 106 | 71 | 147 | 73 | 57 |
Limited partnership | 236 | 40 | 32 | 0 | 6 | 14 | 100 | 0 | 7 | 0 | 0 | 15 | 6 | 14 | 1 | 0 |
Joint venture | 30 | 0 | 17 | 0 | 0 | 0 | 13 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
General partnership | 50 | 0 | 12 | 0 | 0 | 0 | 33 | 0 | 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Life insurance company | 14 | 0 | 0 | 0 | 0 | 0 | 6 | 0 | 0 | 0 | 0 | 0 | 5 | 3 | 0 | 0 |
Depository institution | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Public real estate investment trust | 11 | 0 | 0 | 0 | 0 | 0 | 11 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Private real estate investment trust | 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 5 | 0 | 0 | 0 |
Corporation - other than real estate investment trust |
177 | 77 | 8 | 6 | 8 | 5 | 41 | 0 | 13 | 0 | 0 | 0 | 0 | 14 | 7 | 0 |
Housing cooperative organization | 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 5 | 0 | 0 | 0 | 0 |
Non-profit or church-related institution | 54 | 29 | 3 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4 | 6 |
Pension fund | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Fraternal organization | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other | 57 | 3 | 12 | 0 | 5 | 18 | 19 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
MORTGAGE CHARACTERISTICS Number of Mortgages 1 mortgage |
3696 | 743 | 432 | 90 | 62 | 247 | 1444 | 44 | 143 | 7 | 0 | 109 | 74 | 166 | 80 | 55 |
2 mortgages | 369 | 63 | 20 | 7 | 13 | 31 | 168 | 8 | 18 | 0 | 0 | 12 | 12 | 12 | 4 | 0 |
3 or more mortgages | 64 | 13 | 8 | 0 | 2 | 0 | 22 | 0 | 0 | 0 | 6 | 4 | 0 | 0 | 0 | 9 |
Form of Debt of First Mortgage Mortgage or deed of trust |
4129 | 819 | 460 | 97 | 77 | 278 | 1635 | 52 | 161 | 7 | 6 | 125 | 86 | 178 | 84 | 64 |
Contract to purchase | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Some other loan secured by this property | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Type of First Mortgage Instrument Fixed-rate, level-payment mortgage |
2965 | 489 | 285 | 62 | 34 | 242 | 1315 | 26 | 114 | 0 | 0 | 92 | 67 | 144 | 70 | 24 |
Short-term with balloon payment mortgage | 277 | 83 | 35 | 6 | 20 | 0 | 68 | 0 | 21 | 0 | 6 | 5 | 12 | 0 | 7 | 13 |
Reverse mortgage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Adjustable rate mortgage (ARM) | 808 | 211 | 140 | 29 | 24 | 36 | 220 | 26 | 21 | 7 | 0 | 27 | 0 | 34 | 7 | 26 |
Other | 80 | 36 | 0 | 0 | 0 | 0 | 33 | 0 | 5 | 0 | 0 | 0 | 6 | 0 | 0 | 0 |
Method of Loan Application By computer over the Internet or by e-mail |
31 | 0 | 12 | 0 | 0 | 7 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
By telephone or FAX | 466 | 106 | 49 | 8 | 12 | 45 | 183 | 0 | 13 | 7 | 0 | 20 | 0 | 16 | 0 | 6 |
By regular mail | 114 | 8 | 21 | 0 | 0 | 18 | 53 | 8 | 7 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
By personal visit | 2390 | 540 | 269 | 55 | 47 | 108 | 933 | 45 | 89 | 0 | 0 | 49 | 34 | 110 | 73 | 38 |
Through third party (such as real estate agent or builder) |
557 | 54 | 57 | 19 | 4 | 65 | 242 | 0 | 23 | 0 | 6 | 26 | 17 | 19 | 11 | 14 |
Some other way | 55 | 10 | 0 | 0 | 0 | 7 | 29 | 0 | 0 | 0 | 0 | 0 | 0 | 9 | 0 | 0 |
Not reported | 309 | 72 | 12 | 0 | 13 | 24 | 102 | 0 | 23 | 0 | 0 | 18 | 30 | 8 | 0 | 5 |
Not available | 207 | 28 | 39 | 14 | 0 | 6 | 81 | 0 | 6 | 0 | 0 | 11 | 5 | 15 | 0 | 0 |
Origin of First Mortgage Mortgage made at time property acquired |
3032 | 653 | 315 | 62 | 65 | 172 | 1158 | 42 | 134 | 0 | 0 | 92 | 68 | 144 | 84 | 43 |
Mortgage assumed at the time property acquired |
292 | 38 | 47 | 14 | 0 | 11 | 143 | 0 | 6 | 0 | 0 | 11 | 5 | 15 | 0 | 0 |
Mortgage placed later than acquisition of property |
805 | 128 | 98 | 21 | 12 | 95 | 334 | 10 | 21 | 7 | 6 | 22 | 12 | 19 | 0 | 21 |
Refinanced mortgage | 696 | 108 | 62 | 21 | 12 | 87 | 297 | 10 | 12 | 7 | 6 | 22 | 12 | 19 | 0 | 21 |
Same lender | 184 | 31 | 20 | 0 | 0 | 16 | 96 | 0 | 0 | 7 | 0 | 0 | 6 | 7 | 0 | 0 |
Different lender | 512 | 77 | 41 | 21 | 12 | 71 | 201 | 10 | 12 | 0 | 6 | 22 | 6 | 12 | 0 | 21 |
Mortgage placed on property owned free and clear of debt |
109 | 19 | 37 | 0 | 0 | 7 | 37 | 0 | 8 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Not available | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Purpose of First Mortgage Placed Later Than Acquisition of Property Properties on which mortgages placed later than acquisition of property |
805 | 128 | 98 | 21 | 12 | 95 | 334 | 10 | 21 | 7 | 6 | 22 | 12 | 19 | 0 | 21 |
Obtain lower interest rate | 428 | 54 | 42 | 6 | 6 | 65 | 229 | 0 | 0 | 0 | 6 | 7 | 6 | 0 | 0 | 6 |
Increase payment period for mortgage | 13 | 7 | 0 | 0 | 0 | 0 | 6 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Reduce payment period for mortgage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Renew or extend loan that had fallen due, without increasing outstanding balance |
10 | 3 | 0 | 7 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Receive cash or increase outstanding balance of loan |
230 | 45 | 31 | 0 | 6 | 14 | 69 | 10 | 8 | 7 | 0 | 15 | 6 | 12 | 0 | 6 |
Other reason | 89 | 11 | 19 | 8 | 0 | 16 | 17 | 0 | 12 | 0 | 0 | 0 | 0 | 7 | 0 | 0 |
Not reported | 35 | 6 | 7 | 0 | 0 | 0 | 13 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 9 |
Other properties | 3324 | 692 | 362 | 76 | 65 | 183 | 1301 | 42 | 140 | 0 | 0 | 103 | 74 | 159 | 84 | 43 |
Not available | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash Received From Refinancing or Placing Mortgage on Property Owned Free and Clear Properties on which cash received |
325 | 64 | 51 | 15 | 12 | 33 | 99 | 10 | 5 | 7 | 0 | 4 | 6 | 12 | 0 | 6 |
Less than $20,000 | 135 | 28 | 12 | 7 | 6 | 13 | 43 | 10 | 5 | 0 | 0 | 0 | 0 | 12 | 0 | 0 |
$20,000 to $39,999 | 76 | 20 | 7 | 0 | 6 | 0 | 27 | 0 | 0 | 0 | 0 | 4 | 6 | 0 | 0 | 6 |
$40,000 to $59,999 | 49 | 5 | 14 | 8 | 0 | 7 | 14 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
$60,000 to $79,999 | 34 | 6 | 6 | 0 | 0 | 13 | 9 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
$80,000 to $99,999 | 11 | 5 | 6 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
$100,000 to $124,999 | 20 | 0 | 6 | 0 | 0 | 0 | 6 | 0 | 0 | 7 | 0 | 0 | 0 | 0 | 0 | 0 |
$125,000 to $149,999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
$150,000 to $174,999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
$175,000 to $199,999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
$200,000 to $249,999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
$250,000 to $299,999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
$300,000 or more | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Median | 27203 | 24379 | 49711 | 41517 | 19845 | 49667 | 25062 | 10000 | 10000 | 112500 | 0 | 30000 | 30000 | 10000 | 0 | 30000 |
Mean | 32949 | 30967 | 48774 | 23936 | 14907 | 38136 | 30142 | 8000 | 10000 | 100000 | 0 | 30000 | 39000 | 7086 | 0 | 23000 |
Properties that refinanced and did not receive cash back |
362 | 53 | 41 | 6 | 0 | 30 | 200 | 0 | 7 | 0 | 6 | 7 | 6 | 0 | 0 | 6 |
Properties that refinanced and did not report if received cash back |
118 | 11 | 6 | 0 | 0 | 32 | 35 | 0 | 9 | 0 | 0 | 10 | 0 | 7 | 0 | 9 |
Properties that did not refinance |
3324 | 692 | 362 | 76 | 65 | 183 | 1301 | 42 | 140 | 0 | 0 | 103 | 74 | 159 | 84 | 43 |
Not available | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Use of Cash From Refinancing or Placing Mortgage on Property Owned Free and Clear Properties on which cash received@1 |
325 | 64 | 51 | 15 | 12 | 33 | 99 | 10 | 5 | 7 | 0 | 4 | 6 | 12 | 0 | 6 |
For additions, improvements or repairs to this property |
91 | 13 | 33 | 7 | 0 | 6 | 5 | 10 | 0 | 0 | 0 | 4 | 0 | 12 | 0 | 0 |
To consolidate debts | 88 | 15 | 13 | 0 | 12 | 13 | 22 | 0 | 0 | 0 | 0 | 4 | 0 | 8 | 0 | 0 |
For investment in other real estate | 91 | 14 | 6 | 0 | 0 | 7 | 45 | 0 | 5 | 7 | 0 | 0 | 6 | 0 | 0 | 0 |
For other types of investments | 31 | 5 | 14 | 0 | 0 | 0 | 6 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6 |
For educational or medical expenses | 7 | 0 | 0 | 0 | 0 | 0 | 7 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
To start a business | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
To settle a divorce | 8 | 0 | 0 | 0 | 0 | 0 | 8 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
To pay taxes | 6 | 0 | 0 | 0 | 6 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
To purchase an automobile, truck, or other vehicle |
8 | 0 | 0 | 0 | 0 | 0 | 8 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
To purchase consumer product other than automobile, truck, or other vehicle |
6 | 0 | 0 | 0 | 0 | 0 | 6 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other | 54 | 28 | 6 | 8 | 0 | 6 | 6 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Not reported | 5 | 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Properties that refinanced and did not receive cash back |
362 | 53 | 41 | 6 | 0 | 30 | 200 | 0 | 7 | 0 | 6 | 7 | 6 | 0 | 0 | 6 |
Properties that refinanced and did not report if received cash back |
118 | 11 | 6 | 0 | 0 | 32 | 35 | 0 | 9 | 0 | 0 | 10 | 0 | 7 | 0 | 9 |
Properties that did not refinance |
3324 | 692 | 362 | 76 | 65 | 183 | 1301 | 42 | 140 | 0 | 0 | 103 | 74 | 159 | 84 | 43 |
Not available | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Year First Mortgage Made or Assumed 1999 to 2001 (part) |
1527 | 314 | 187 | 46 | 28 | 104 | 579 | 23 | 51 | 0 | 0 | 33 | 34 | 93 | 17 | 18 |
1997 and 1998 | 758 | 171 | 34 | 8 | 12 | 70 | 334 | 23 | 31 | 0 | 6 | 0 | 17 | 12 | 32 | 7 |
1995 and 1996 | 515 | 97 | 58 | 7 | 18 | 42 | 213 | 0 | 11 | 0 | 0 | 18 | 6 | 25 | 11 | 9 |
1990 to 1994 | 669 | 88 | 99 | 12 | 7 | 49 | 266 | 0 | 33 | 0 | 0 | 59 | 4 | 29 | 6 | 17 |
1985 to 1989 | 352 | 84 | 57 | 15 | 7 | 7 | 106 | 5 | 15 | 7 | 0 | 6 | 5 | 18 | 13 | 6 |
1980 to 1984 | 118 | 19 | 12 | 9 | 0 | 0 | 70 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 8 |
1979 or earlier | 189 | 46 | 13 | 0 | 6 | 6 | 67 | 0 | 19 | 0 | 0 | 10 | 18 | 0 | 4 | 0 |
Traditional First Mortgage Loan Less than $20,000 |
353 | 87 | 38 | 0 | 0 | 6 | 151 | 0 | 25 | 0 | 0 | 0 | 6 | 22 | 13 | 6 |
$20,000 to $29,999 | 361 | 88 | 23 | 27 | 6 | 0 | 120 | 5 | 26 | 0 | 0 | 16 | 11 | 13 | 4 | 20 |
$30,000 to $39,999 | 416 | 92 | 34 | 0 | 0 | 12 | 167 | 10 | 20 | 0 | 0 | 25 | 29 | 6 | 12 | 7 |
$40,000 to $49,999 | 374 | 79 | 49 | 24 | 14 | 21 | 122 | 13 | 15 | 0 | 0 | 8 | 17 | 7 | 0 | 6 |
$50,000 to $59,999 | 432 | 82 | 49 | 6 | 19 | 34 | 178 | 0 | 12 | 0 | 0 | 11 | 0 | 18 | 22 | 0 |
$60,000 to $79,999 | 560 | 121 | 70 | 5 | 0 | 43 | 272 | 8 | 4 | 0 | 6 | 13 | 0 | 7 | 10 | 0 |
$80,000 to $99,999 | 396 | 83 | 51 | 0 | 0 | 44 | 147 | 8 | 6 | 0 | 0 | 15 | 0 | 35 | 0 | 6 |
$100,000 to $149,999 | 624 | 91 | 55 | 8 | 30 | 63 | 266 | 8 | 32 | 0 | 0 | 20 | 5 | 17 | 15 | 14 |
$150,000 to $199,999 | 307 | 60 | 53 | 6 | 0 | 37 | 93 | 0 | 14 | 0 | 0 | 0 | 5 | 27 | 7 | 5 |
$200,000 to $249,999 | 120 | 9 | 29 | 12 | 2 | 6 | 37 | 0 | 0 | 7 | 0 | 7 | 0 | 10 | 0 | 0 |
$250,000 to $299,999 | 39 | 0 | 0 | 8 | 0 | 7 | 8 | 0 | 5 | 0 | 0 | 0 | 0 | 11 | 0 | 0 |
$300,000 or more | 54 | 10 | 0 | 0 | 0 | 6 | 29 | 0 | 0 | 0 | 0 | 0 | 6 | 3 | 0 | 0 |
Not reported | 94 | 18 | 9 | 0 | 6 | 0 | 46 | 0 | 0 | 0 | 0 | 9 | 6 | 0 | 0 | 0 |
Median | 62896 | 56745 | 69175 | 48877 | 58043 | 90345 | 64170 | 48348 | 45627 | 225000 | 70000 | 58257 | 37801 | 88718 | 55574 | 38667 |
Mean | 80652 | 71783 | 85283 | 96338 | 81733 | 106920 | 78875 | 61837 | 71746 | 225000 | 62000 | 73868 | 75357 | 101490 | 63834 | 70493 |
Traditional First Mortgage Outstanding Debt Less than $10,000 |
212 | 37 | 13 | 0 | 0 | 6 | 108 | 0 | 12 | 0 | 0 | 4 | 6 | 12 | 4 | 11 |
$10,000 to $19,999 | 353 | 98 | 44 | 14 | 0 | 0 | 113 | 5 | 18 | 0 | 0 | 12 | 19 | 11 | 19 | 0 |
$20,000 to $29,999 | 428 | 116 | 25 | 22 | 12 | 0 | 166 | 0 | 31 | 0 | 0 | 19 | 10 | 13 | 0 | 15 |
$30,000 to $39,999 | 424 | 79 | 40 | 6 | 14 | 23 | 149 | 16 | 27 | 0 | 0 | 21 | 16 | 6 | 14 | 13 |
$40,000 to $49,999 | 421 | 87 | 68 | 16 | 6 | 27 | 149 | 7 | 12 | 0 | 0 | 4 | 13 | 25 | 6 | 0 |
$50,000 to $59,999 | 322 | 42 | 35 | 0 | 7 | 41 | 166 | 0 | 0 | 0 | 6 | 0 | 0 | 0 | 25 | 0 |
$60,000 to $79,999 | 527 | 120 | 57 | 13 | 0 | 35 | 227 | 8 | 10 | 0 | 0 | 29 | 0 | 28 | 0 | 0 |
$80,000 to $99,999 | 464 | 89 | 60 | 0 | 0 | 56 | 191 | 8 | 8 | 0 | 0 | 13 | 0 | 27 | 8 | 6 |
$100,000 to $149,999 | 485 | 69 | 52 | 0 | 30 | 53 | 193 | 8 | 31 | 0 | 0 | 7 | 10 | 17 | 0 | 14 |
$150,000 to $199,999 | 257 | 55 | 34 | 12 | 2 | 20 | 78 | 0 | 7 | 7 | 0 | 0 | 0 | 30 | 7 | 5 |
$200,000 to $249,999 | 66 | 0 | 22 | 6 | 0 | 6 | 20 | 0 | 0 | 0 | 0 | 7 | 0 | 5 | 0 | 0 |
$250,000 to $299,999 | 39 | 4 | 0 | 8 | 0 | 7 | 15 | 0 | 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
$300,000 or more | 43 | 6 | 0 | 0 | 0 | 6 | 22 | 0 | 0 | 0 | 0 | 0 | 6 | 3 | 0 | 0 |
Not reported | 88 | 18 | 9 | 0 | 6 | 0 | 40 | 0 | 0 | 0 | 0 | 9 | 6 | 0 | 0 | 0 |
Median | 55683 | 48141 | 59920 | 44344 | 54748 | 82571 | 56830 | 47061 | 37487 | 175000 | 55000 | 45300 | 33368 | 75800 | 48227 | 34599 |
Mean | 72296 | 64273 | 76172 | 87351 | 73873 | 95478 | 70889 | 58594 | 65142 | 173342 | 55242 | 63031 | 70507 | 92243 | 54130 | 62063 |
Total Mortgage Outstanding Debt Less than $10,000 |
197 | 37 | 8 | 0 | 0 | 6 | 103 | 0 | 12 | 0 | 0 | 0 | 6 | 12 | 4 | 11 |
$10,000 to $19,999 | 346 | 103 | 44 | 14 | 0 | 0 | 101 | 5 | 18 | 0 | 0 | 12 | 19 | 11 | 19 | 0 |
$20,000 to $29,999 | 435 | 108 | 30 | 22 | 18 | 0 | 177 | 0 | 31 | 0 | 0 | 19 | 10 | 13 | 0 | 6 |
$30,000 to $39,999 | 415 | 87 | 40 | 6 | 14 | 23 | 132 | 16 | 27 | 0 | 0 | 21 | 16 | 6 | 14 | 13 |
$40,000 to $49,999 | 410 | 73 | 62 | 16 | 6 | 21 | 159 | 7 | 12 | 0 | 0 | 8 | 13 | 25 | 6 | 0 |
$50,000 to $59,999 | 328 | 42 | 41 | 0 | 7 | 41 | 172 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 25 | 0 |
$60,000 to $79,999 | 513 | 129 | 49 | 13 | 0 | 41 | 212 | 8 | 10 | 0 | 0 | 24 | 0 | 28 | 0 | 0 |
$80,000 to $99,999 | 472 | 81 | 69 | 0 | 0 | 56 | 195 | 0 | 8 | 0 | 6 | 17 | 0 | 27 | 8 | 6 |
$100,000 to $149,999 | 524 | 81 | 52 | 0 | 30 | 53 | 203 | 16 | 31 | 0 | 0 | 7 | 10 | 17 | 0 | 23 |
$150,000 to $199,999 | 262 | 55 | 34 | 12 | 0 | 20 | 85 | 0 | 7 | 7 | 0 | 0 | 0 | 30 | 7 | 5 |
$200,000 to $249,999 | 51 | 0 | 14 | 6 | 0 | 6 | 20 | 0 | 0 | 0 | 0 | 0 | 0 | 5 | 0 | 0 |
$250,000 to $299,999 | 30 | 4 | 6 | 8 | 0 | 0 | 7 | 0 | 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
$300,000 or more | 69 | 6 | 2 | 0 | 2 | 12 | 30 | 0 | 0 | 0 | 0 | 7 | 6 | 3 | 0 | 0 |
Not reported | 76 | 12 | 9 | 0 | 0 | 0 | 40 | 0 | 0 | 0 | 0 | 9 | 6 | 0 | 0 | 0 |
Median | 56822 | 49330 | 59931 | 44344 | 50607 | 82571 | 57289 | 47061 | 37487 | 175000 | 90000 | 47630 | 33368 | 75800 | 48227 | 85311 |
Mean | 74793 | 64702 | 77601 | 87351 | 80798 | 99823 | 74176 | 65099 | 65142 | 173342 | 81748 | 74599 | 65459 | 92336 | 54130 | 76405 |
Current Interest Rate on First Mortgage Less than 6.0 percent |
1606 | 336 | 166 | 21 | 57 | 13 | 666 | 0 | 90 | 0 | 6 | 57 | 51 | 81 | 22 | 40 |
6.0 percent | 27 | 0 | 0 | 0 | 0 | 0 | 14 | 0 | 0 | 0 | 0 | 7 | 0 | 0 | 6 | 0 |
6.1 to 6.4 percent | 54 | 0 | 12 | 8 | 0 | 0 | 23 | 0 | 0 | 0 | 0 | 4 | 0 | 0 | 6 | 0 |
6.5 to 6.9 percent | 165 | 45 | 8 | 5 | 7 | 40 | 44 | 5 | 0 | 0 | 0 | 11 | 0 | 0 | 0 | 0 |
7.0 percent | 282 | 76 | 36 | 0 | 0 | 38 | 110 | 0 | 0 | 0 | 0 | 0 | 0 | 7 | 15 | 0 |
7.1 to 7.4 percent | 221 | 38 | 28 | 0 | 0 | 37 | 91 | 0 | 0 | 0 | 0 | 19 | 0 | 0 | 9 | 0 |
7.5 to 7.9 percent | 262 | 42 | 4 | 6 | 0 | 46 | 151 | 0 | 0 | 0 | 0 | 0 | 0 | 6 | 0 | 6 |
8.0 percent | 132 | 14 | 0 | 0 | 0 | 31 | 55 | 10 | 12 | 0 | 0 | 0 | 0 | 0 | 10 | 0 |
8.1 to 8.4 percent | 119 | 30 | 30 | 10 | 0 | 13 | 30 | 0 | 0 | 0 | 0 | 0 | 7 | 0 | 0 | 0 |
8.5 to 8.9 percent | 176 | 34 | 10 | 7 | 0 | 34 | 55 | 8 | 0 | 7 | 0 | 0 | 5 | 0 | 4 | 12 |
9.0 percent | 70 | 9 | 7 | 0 | 0 | 6 | 20 | 8 | 6 | 0 | 0 | 14 | 0 | 0 | 0 | 0 |
9.1 to 9.4 percent | 86 | 45 | 7 | 0 | 0 | 7 | 21 | 0 | 6 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
9.5 to 9.9 percent | 51 | 24 | 0 | 0 | 0 | 0 | 17 | 0 | 6 | 0 | 0 | 0 | 0 | 4 | 0 | 0 |
10.0 percent | 22 | 6 | 0 | 0 | 0 | 0 | 7 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 9 | 0 |
10.1 to 10.4 percent | 27 | 6 | 6 | 0 | 0 | 0 | 7 | 0 | 0 | 0 | 0 | 0 | 0 | 8 | 0 | 0 |
10.5 to 10.9 percent | 23 | 6 | 0 | 0 | 0 | 0 | 4 | 7 | 0 | 0 | 0 | 5 | 0 | 0 | 0 | 0 |
11.0 percent | 81 | 22 | 6 | 12 | 0 | 0 | 16 | 6 | 12 | 0 | 0 | 0 | 0 | 7 | 0 | 0 |
11.1 to 12.9 percent | 78 | 5 | 36 | 9 | 0 | 7 | 13 | 8 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
13.0 percent | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
13.1 percent or more | 648 | 80 | 104 | 20 | 13 | 6 | 292 | 0 | 29 | 0 | 0 | 7 | 23 | 64 | 4 | 6 |
Not reported | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Median | 7.1 | 7.0 | 7.2 | 8.5 | 4.1 | 7.6 | 7.1 | 9.0 | 5.4 | 8.8 | 3.0 | 6.1 | 5.0 | 7.5 | 7.1 | 4.8 |
Points Paid as Interest on First Mortgage With mortgage placed |
3888 | 791 | 413 | 83 | 77 | 267 | 1532 | 52 | 155 | 7 | 6 | 114 | 80 | 162 | 84 | 64 |
No points | 752 | 225 | 68 | 43 | 0 | 108 | 183 | 8 | 22 | 0 | 0 | 35 | 7 | 6 | 47 | 0 |
Less than 1 point | 41 | 10 | 0 | 0 | 0 | 10 | 22 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
1 point | 32 | 13 | 8 | 0 | 0 | 0 | 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 7 |
1.1 to 1.9 points | 47 | 4 | 3 | 0 | 0 | 33 | 6 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
2 points | 15 | 0 | 0 | 0 | 0 | 7 | 8 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
2.1 to 2.9 points | 26 | 0 | 6 | 0 | 0 | 14 | 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
3 points | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
3.1 to 3.9 points | 15 | 0 | 0 | 0 | 0 | 15 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
4 points | 7 | 0 | 0 | 0 | 0 | 0 | 7 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
4.1 to 4.9 points | 17 | 0 | 0 | 0 | 0 | 7 | 10 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
5 points | 5 | 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
5.1 to 5.9 points | 7 | 0 | 0 | 0 | 0 | 7 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
6 points or more | 33 | 0 | 0 | 0 | 0 | 26 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6 | 0 | 0 |
Not reported or don't know | 2891 | 534 | 327 | 40 | 77 | 39 | 1287 | 44 | 133 | 7 | 6 | 79 | 74 | 150 | 37 | 57 |
With mortgage assumed | 242 | 28 | 47 | 14 | 0 | 11 | 103 | 0 | 6 | 0 | 0 | 11 | 5 | 15 | 0 | 0 |
Type of Interest Rate Buydown Properties with interest rate buydown |
41 | 0 | 0 | 0 | 0 | 0 | 41 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Constant payment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
3-2-1 buydown | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other | 5 | 0 | 0 | 0 | 0 | 0 | 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Not reported | 35 | 0 | 0 | 0 | 0 | 0 | 35 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Properties without interest rate buydown |
1489 | 319 | 160 | 63 | 7 | 247 | 474 | 52 | 34 | 7 | 0 | 44 | 12 | 12 | 41 | 18 |
Not reported | 2599 | 500 | 300 | 34 | 70 | 32 | 1120 | 0 | 128 | 0 | 6 | 81 | 74 | 166 | 43 | 46 |
Term of First Mortgage Less than 5 years |
37 | 23 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6 | 9 | 0 |
5 years | 49 | 27 | 22 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
6 to 9 years | 22 | 22 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
10 years | 69 | 45 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 14 | 0 | 0 | 6 | 0 |
11 to 14 years | 18 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6 | 0 |
15 years | 314 | 67 | 27 | 23 | 0 | 29 | 122 | 0 | 0 | 0 | 0 | 11 | 7 | 0 | 16 | 12 |
16 to 19 years | 4 | 4 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
20 years | 89 | 48 | 6 | 5 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 13 | 0 | 0 | 0 | 6 |
21 to 24 years | 5 | 0 | 0 | 0 | 0 | 0 | 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
25 years | 27 | 4 | 9 | 8 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 5 | 0 | 0 | 0 | 0 |
26 to 29 years | 9 | 0 | 0 | 0 | 0 | 0 | 9 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
30 years | 1301 | 133 | 156 | 34 | 7 | 237 | 575 | 52 | 43 | 7 | 0 | 22 | 10 | 18 | 7 | 0 |
More than 30 years | 25 | 8 | 0 | 0 | 0 | 0 | 7 | 0 | 6 | 0 | 0 | 0 | 0 | 0 | 4 | 0 |
No stated term | 2161 | 425 | 237 | 27 | 70 | 0 | 918 | 0 | 111 | 0 | 6 | 60 | 69 | 154 | 37 | 46 |
Median | 30 | 16 | 30 | 26 | 31 | 30 | 30 | 31 | 31 | 31 | 0 | 21 | 30 | 30 | 15 | 16 |
Unexpired Term of First Mortgage Less than 5 years |
117 | 63 | 15 | 0 | 0 | 6 | 7 | 0 | 6 | 0 | 0 | 6 | 0 | 6 | 9 | 0 |
5 to 9 years | 193 | 69 | 23 | 9 | 0 | 4 | 61 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 16 | 11 |
10 to 14 years | 305 | 86 | 45 | 31 | 0 | 25 | 73 | 5 | 0 | 0 | 0 | 31 | 7 | 0 | 3 | 0 |
15 to 19 years | 226 | 52 | 10 | 25 | 7 | 19 | 68 | 0 | 0 | 7 | 0 | 13 | 0 | 0 | 19 | 7 |
20 to 24 years | 232 | 19 | 44 | 0 | 0 | 51 | 88 | 0 | 10 | 0 | 0 | 15 | 0 | 4 | 0 | 0 |
25 to 29 years | 747 | 73 | 79 | 6 | 0 | 156 | 346 | 47 | 15 | 0 | 0 | 0 | 10 | 14 | 0 | 0 |
30 or more years | 149 | 31 | 6 | 0 | 0 | 18 | 75 | 0 | 19 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
No stated term or not computed | 2161 | 425 | 237 | 27 | 70 | 0 | 918 | 0 | 111 | 0 | 6 | 60 | 69 | 154 | 37 | 46 |
Median | 23 | 14 | 22 | 14 | 18 | 26 | 26 | 27 | 28 | 18 | 0 | 14 | 26 | 26 | 10 | 9 |
Servicer of First Mortgage Commercial bank or trust company |
932 | 784 | 0 | 0 | 0 | 0 | 109 | 33 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6 |
Savings and loan association, federal savings bank |
461 | 0 | 438 | 0 | 0 | 0 | 16 | 0 | 0 | 7 | 0 | 0 | 0 | 0 | 0 | 0 |
Mutual savings bank | 77 | 0 | 0 | 77 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Life insurance company | 77 | 0 | 0 | 0 | 77 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Mortgage banker or mortgage company | 1907 | 35 | 22 | 21 | 0 | 278 | 1505 | 19 | 16 | 0 | 0 | 0 | 5 | 6 | 0 | 0 |
Federally-sponsored secondary market agency or pool |
0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Conventional mortgage pool | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other federal agency | 145 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 145 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Real estate investment trust | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Pension or retirement fund | 6 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6 | 0 | 0 | 0 | 0 | 0 |
Credit union | 130 | 0 | 0 | 0 | 0 | 0 | 5 | 0 | 0 | 0 | 0 | 125 | 0 | 0 | 0 | 0 |
Finance company | 81 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 81 | 0 | 0 | 0 |
State or municipal government or housing finance agency |
171 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 171 | 0 | 0 |
Individual or individual's estate | 84 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 84 | 0 |
Other | 58 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 58 |
Holder's Acquisition of First Mortgage Originated directly from borrower |
2107 | 564 | 292 | 70 | 50 | 58 | 700 | 10 | 76 | 0 | 6 | 71 | 53 | 79 | 52 | 27 |
Purchased from present servicer | 1060 | 164 | 77 | 0 | 14 | 140 | 460 | 8 | 49 | 7 | 0 | 35 | 20 | 54 | 10 | 21 |
Purchased from someone else | 962 | 92 | 91 | 27 | 13 | 81 | 476 | 34 | 36 | 0 | 0 | 18 | 12 | 44 | 22 | 16 |
Not reported | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
First Mortgage Loan as a Percent of Purchase Price Properties acquired by purchase with first mortgage made or assumed at time of purchase | 3056 | 631 | 303 | 76 | 60 | 167 | 1238 | 42 | 123 | 0 | 0 | 85 | 67 | 148 | 78 | 38 |
Less than 40 percent | 72 | 7 | 6 | 11 | 6 | 0 | 24 | 0 | 14 | 0 | 0 | 0 | 0 | 0 | 4 | 0 |
40 to 49 percent | 84 | 7 | 2 | 0 | 0 | 6 | 60 | 0 | 0 | 0 | 0 | 0 | 0 | 9 | 0 | 0 |
50 to 59 percent | 112 | 15 | 12 | 7 | 0 | 0 | 54 | 5 | 5 | 0 | 0 | 0 | 0 | 10 | 3 | 0 |
60 to 69 percent | 314 | 99 | 23 | 0 | 16 | 4 | 139 | 0 | 7 | 0 | 0 | 5 | 22 | 0 | 0 | 0 |
70 to 79 percent | 357 | 50 | 46 | 13 | 11 | 29 | 159 | 0 | 6 | 0 | 0 | 14 | 0 | 20 | 0 | 8 |
80 to 89 percent | 562 | 123 | 39 | 27 | 7 | 37 | 185 | 24 | 31 | 0 | 0 | 12 | 0 | 38 | 22 | 18 |
90 to 94 percent | 209 | 6 | 46 | 6 | 6 | 25 | 73 | 0 | 8 | 0 | 0 | 15 | 17 | 0 | 7 | 0 |
95 to 99 percent | 248 | 47 | 23 | 0 | 6 | 25 | 88 | 0 | 18 | 0 | 0 | 6 | 4 | 18 | 7 | 6 |
100 percent or more | 1026 | 264 | 105 | 12 | 7 | 41 | 409 | 13 | 35 | 0 | 0 | 29 | 18 | 52 | 34 | 7 |
Not reported | 70 | 13 | 0 | 0 | 0 | 0 | 46 | 0 | 0 | 0 | 0 | 5 | 6 | 0 | 0 | 0 |
Median | 90 | 95 | 93 | 82 | 77 | 92 | 89 | 87 | 90 | 0 | 0 | 93 | 93 | 89 | 97 | 86 |
Other properties | 1074 | 188 | 157 | 21 | 17 | 112 | 397 | 10 | 38 | 7 | 6 | 40 | 19 | 30 | 6 | 26 |
Not available | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
First Mortgage Loan as a Percent of Value Properties acquired by purchase with first mortgage made or assumed at time of purchase |
3056 | 631 | 303 | 76 | 60 | 167 | 1238 | 42 | 123 | 0 | 0 | 85 | 67 | 148 | 78 | 38 |
Less than 40 percent | 60 | 7 | 18 | 11 | 6 | 0 | 18 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
40 to 49 percent | 108 | 11 | 7 | 0 | 0 | 6 | 62 | 0 | 0 | 0 | 0 | 6 | 7 | 9 | 0 | 0 |
50 to 59 percent | 111 | 13 | 12 | 7 | 0 | 8 | 52 | 0 | 5 | 0 | 0 | 0 | 0 | 10 | 3 | 0 |
60 to 69 percent | 547 | 159 | 43 | 0 | 16 | 30 | 201 | 11 | 15 | 0 | 0 | 18 | 15 | 0 | 31 | 8 |
70 to 79 percent | 518 | 84 | 60 | 22 | 4 | 48 | 207 | 15 | 12 | 0 | 0 | 30 | 0 | 20 | 14 | 0 |
80 to 89 percent | 553 | 132 | 54 | 18 | 14 | 27 | 193 | 16 | 31 | 0 | 0 | 6 | 0 | 38 | 0 | 23 |
90 to 94 percent | 154 | 5 | 25 | 0 | 6 | 25 | 53 | 0 | 8 | 0 | 0 | 7 | 17 | 0 | 7 | 0 |
95 to 99 percent | 228 | 38 | 21 | 0 | 6 | 21 | 95 | 0 | 18 | 0 | 0 | 6 | 4 | 18 | 0 | 0 |
100 percent or more | 707 | 168 | 63 | 18 | 7 | 0 | 311 | 0 | 35 | 0 | 0 | 6 | 18 | 52 | 23 | 7 |
Not reported | 70 | 13 | 0 | 0 | 0 | 0 | 46 | 0 | 0 | 0 | 0 | 5 | 6 | 0 | 0 | 0 |
Median | 83 | 83 | 82 | 79 | 83 | 78 | 83 | 77 | 90 | 0 | 0 | 75 | 93 | 89 | 74 | 85 |
Other properties | 1074 | 188 | 157 | 21 | 17 | 112 | 397 | 10 | 38 | 7 | 6 | 40 | 19 | 30 | 6 | 26 |
Not available | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
First Mortgage Risk Subprime loan |
301 | 16 | 31 | 0 | 8 | 13 | 150 | 15 | 0 | 0 | 6 | 4 | 25 | 28 | 6 | 0 |
Not subprime loan | 3828 | 804 | 429 | 97 | 69 | 265 | 1485 | 37 | 161 | 7 | 0 | 120 | 61 | 149 | 79 | 64 |
Not reported | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Total Outstanding Debt as a Percent of Value Less than 20 percent |
260 | 69 | 20 | 5 | 0 | 22 | 95 | 0 | 22 | 0 | 0 | 7 | 6 | 6 | 4 | 5 |
20 to 29 percent | 276 | 42 | 34 | 7 | 6 | 20 | 99 | 5 | 6 | 0 | 0 | 13 | 19 | 6 | 0 | 18 |
30 to 39 percent | 314 | 41 | 45 | 12 | 12 | 21 | 152 | 0 | 0 | 0 | 0 | 9 | 0 | 17 | 6 | 0 |
40 to 49 percent | 526 | 88 | 57 | 30 | 13 | 37 | 216 | 0 | 20 | 0 | 0 | 0 | 11 | 25 | 14 | 15 |
50 to 59 percent | 758 | 115 | 93 | 24 | 20 | 47 | 327 | 0 | 56 | 0 | 0 | 42 | 27 | 6 | 0 | 0 |
60 to 69 percent | 416 | 95 | 34 | 0 | 7 | 21 | 156 | 10 | 7 | 0 | 0 | 18 | 12 | 34 | 21 | 0 |
70 to 79 percent | 621 | 135 | 56 | 19 | 16 | 59 | 209 | 28 | 14 | 0 | 0 | 7 | 0 | 41 | 25 | 11 |
80 to 89 percent | 387 | 73 | 71 | 0 | 0 | 33 | 151 | 0 | 11 | 0 | 6 | 6 | 5 | 8 | 15 | 9 |
90 to 99 percent | 211 | 36 | 25 | 0 | 0 | 7 | 100 | 8 | 12 | 0 | 0 | 0 | 0 | 22 | 0 | 0 |
100 percent or more | 269 | 113 | 14 | 0 | 2 | 11 | 76 | 0 | 13 | 7 | 0 | 14 | 0 | 13 | 0 | 7 |
Not reported or not computed | 90 | 12 | 9 | 0 | 0 | 0 | 54 | 0 | 0 | 0 | 0 | 9 | 6 | 0 | 0 | 0 |
Median | 58 | 65 | 57 | 48 | 54 | 58 | 57 | 74 | 56 | 50050 | 85 | 57 | 52 | 68 | 69 | 46 |
Index Used to Adjust Interest Rate on ARM Properties with adjustable rate first mortgage |
888 | 247 | 140 | 29 | 24 | 36 | 253 | 26 | 26 | 7 | 0 | 27 | 6 | 34 | 7 | 26 |
Treasury security | 222 | 102 | 43 | 8 | 0 | 10 | 29 | 6 | 0 | 7 | 0 | 4 | 0 | 0 | 0 | 12 |
Average cost of funds in bank district | 56 | 7 | 43 | 0 | 0 | 0 | 6 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
National average cost of funds | 15 | 10 | 0 | 0 | 0 | 0 | 0 | 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
OTS contract mortgage rate | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other method | 124 | 41 | 13 | 0 | 0 | 6 | 30 | 15 | 0 | 0 | 0 | 7 | 0 | 6 | 0 | 5 |
No index used | 18 | 5 | 0 | 0 | 0 | 14 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Not reported | 452 | 82 | 40 | 21 | 24 | 5 | 188 | 0 | 26 | 0 | 0 | 16 | 6 | 28 | 7 | 9 |
Other properties | 3241 | 572 | 320 | 68 | 53 | 242 | 1382 | 26 | 135 | 0 | 6 | 97 | 80 | 144 | 77 | 37 |
Not reported | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Frequency With Which Rate Can Be Adjusted Properties with adjustable rate first mortgage |
888 | 247 | 140 | 29 | 24 | 36 | 253 | 26 | 26 | 7 | 0 | 27 | 6 | 34 | 7 | 26 |
Monthly | 93 | 13 | 49 | 0 | 0 | 6 | 19 | 0 | 0 | 0 | 0 | 0 | 0 | 6 | 0 | 0 |
Every 3 months | 13 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 7 | 0 | 0 | 0 | 5 |
Every 6 months | 45 | 7 | 0 | 0 | 0 | 0 | 17 | 21 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Yearly | 198 | 88 | 44 | 8 | 0 | 10 | 25 | 5 | 0 | 7 | 0 | 4 | 0 | 0 | 0 | 6 |
Every 3 years | 50 | 36 | 14 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Every 5 years | 33 | 18 | 0 | 0 | 0 | 0 | 9 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 7 |
Other | 8 | 8 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Not reported | 449 | 77 | 33 | 21 | 24 | 19 | 183 | 0 | 26 | 0 | 0 | 16 | 6 | 28 | 7 | 9 |
Other properties | 3241 | 572 | 320 | 68 | 53 | 242 | 1382 | 26 | 135 | 0 | 6 | 97 | 80 | 144 | 77 | 37 |
Not reported | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Interest Rate Changed Since Mortgage Made Properties with adjustable rate first mortgage |
888 | 247 | 140 | 29 | 24 | 36 | 253 | 26 | 26 | 7 | 0 | 27 | 6 | 34 | 7 | 26 |
Yes, rate has changed | 305 | 99 | 90 | 8 | 0 | 12 | 50 | 11 | 0 | 7 | 0 | 11 | 0 | 6 | 0 | 11 |
No change since mortgage made | 127 | 71 | 10 | 0 | 0 | 5 | 20 | 15 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 7 |
Not reported | 456 | 77 | 40 | 21 | 24 | 19 | 183 | 0 | 26 | 0 | 0 | 16 | 6 | 28 | 7 | 9 |
Other properties | 3241 | 572 | 320 | 68 | 53 | 242 | 1382 | 26 | 135 | 0 | 6 | 97 | 80 | 144 | 77 | 37 |
Not reported | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Change in Monthly Interest and Principal Payments Other Than Change in Interest Rate Monthly payments can change (other than change in interest ra | 31 | 17 | 14 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Payments can change monthly | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Payments can change every three months | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Payments can change every six months | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Payments can change yearly | 31 | 17 | 14 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Payments can change every 3 years | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Payments can change every 5 years | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Not reported | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Monthly payments cannot change |
3651 | 725 | 406 | 76 | 53 | 259 | 1461 | 52 | 135 | 7 | 6 | 109 | 80 | 149 | 77 | 55 |
Not reported | 447 | 77 | 40 | 21 | 24 | 19 | 174 | 0 | 26 | 0 | 0 | 16 | 6 | 28 | 7 | 9 |
First Mortgage Allows for Negative Amortization Monthly payments can change (other than change in interest rate) |
31 | 17 | 14 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Yes, unrestricted negative amortization | 2 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Yes, restricted negative amortization | 15 | 8 | 7 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
No negative amortization allowed | 14 | 9 | 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Not reported | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Monthly payments cannot change | 3651 | 725 | 406 | 76 | 53 | 259 | 1461 | 52 | 135 | 7 | 6 | 109 | 80 | 149 | 77 | 55 |
Not reported | 447 | 77 | 40 | 21 | 24 | 19 | 174 | 0 | 26 | 0 | 0 | 16 | 6 | 28 | 7 | 9 |
MORTGAGE PAYMENTS AND OTHER EXPENSES Method of Payment of First Mortgage Regular payments of interest and/or principal |
3883 | 742 | 445 | 97 | 69 | 276 | 1564 | 52 | 140 | 7 | 6 | 108 | 63 | 172 | 77 | 64 |
Interest and principal | 3870 | 742 | 437 | 97 | 69 | 276 | 1564 | 52 | 140 | 7 | 6 | 108 | 63 | 166 | 77 | 64 |
Fully amortized | 3547 | 655 | 394 | 91 | 50 | 276 | 1477 | 52 | 118 | 7 | 0 | 102 | 51 | 153 | 70 | 51 |
Not fully amortized | 323 | 87 | 43 | 6 | 20 | 0 | 87 | 0 | 22 | 0 | 6 | 6 | 12 | 13 | 7 | 13 |
Interest only | 13 | 0 | 7 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6 | 0 | 0 |
No regular payments required | 13 | 4 | 0 | 0 | 0 | 2 | 8 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Not reported | 233 | 73 | 15 | 0 | 8 | 0 | 64 | 0 | 21 | 0 | 0 | 17 | 23 | 6 | 7 | 0 |
Items Included in First Mortgage Payment@1 Regular monthly payments of both interest and principal |
3870 | 742 | 437 | 97 | 69 | 276 | 1564 | 52 | 140 | 7 | 6 | 108 | 63 | 166 | 77 | 64 |
Real estate taxes | 943 | 63 | 84 | 35 | 7 | 200 | 472 | 19 | 22 | 7 | 0 | 10 | 5 | 6 | 7 | 6 |
Property insurance | 901 | 55 | 84 | 21 | 7 | 194 | 465 | 19 | 22 | 0 | 0 | 10 | 5 | 6 | 7 | 6 |
Mortgage insurance | 190 | 7 | 4 | 0 | 0 | 37 | 137 | 0 | 0 | 0 | 0 | 0 | 5 | 0 | 0 | 0 |
Other | 320 | 10 | 25 | 21 | 0 | 75 | 159 | 13 | 0 | 7 | 0 | 10 | 0 | 0 | 0 | 0 |
No items included or not reported | 2860 | 676 | 344 | 62 | 63 | 58 | 1064 | 26 | 118 | 0 | 6 | 97 | 58 | 160 | 70 | 58 |
No regular payments of interest and principal |
259 | 77 | 23 | 0 | 8 | 2 | 71 | 0 | 21 | 0 | 0 | 17 | 23 | 12 | 7 | 0 |
Monthly Interest and Principal Payments on First Mortgage Monthly payments of interest and/or principal |
3883 | 742 | 445 | 97 | 69 | 276 | 1564 | 52 | 140 | 7 | 6 | 108 | 63 | 172 | 77 | 64 |
Less than $100 | 113 | 9 | 0 | 0 | 0 | 87 | 17 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
$100 to $199 | 211 | 40 | 12 | 0 | 6 | 6 | 100 | 5 | 15 | 0 | 0 | 7 | 0 | 10 | 5 | 6 |
$200 to $299 | 441 | 93 | 62 | 13 | 7 | 13 | 155 | 10 | 27 | 0 | 0 | 12 | 12 | 31 | 0 | 5 |
$300 to $399 | 478 | 86 | 37 | 7 | 0 | 8 | 247 | 6 | 7 | 0 | 0 | 17 | 27 | 20 | 13 | 6 |
$400 to $499 | 519 | 92 | 59 | 37 | 25 | 38 | 190 | 7 | 17 | 0 | 6 | 12 | 6 | 7 | 0 | 22 |
$500 to $599 | 379 | 94 | 45 | 5 | 0 | 23 | 153 | 8 | 0 | 0 | 0 | 10 | 7 | 14 | 15 | 6 |
$600 to $699 | 288 | 72 | 34 | 0 | 0 | 20 | 131 | 0 | 13 | 0 | 0 | 5 | 0 | 3 | 10 | 0 |
$700 to $799 | 277 | 42 | 53 | 0 | 0 | 11 | 130 | 8 | 7 | 0 | 0 | 17 | 0 | 0 | 8 | 0 |
$800 to $899 | 202 | 50 | 19 | 8 | 7 | 0 | 79 | 0 | 8 | 0 | 0 | 7 | 0 | 23 | 0 | 0 |
$900 to $999 | 172 | 16 | 18 | 0 | 0 | 13 | 102 | 0 | 4 | 0 | 0 | 6 | 0 | 12 | 0 | 0 |
$1,000 to $1,249 | 298 | 41 | 36 | 0 | 17 | 12 | 111 | 8 | 31 | 0 | 0 | 7 | 5 | 20 | 10 | 0 |
$1,250 to $1,499 | 184 | 33 | 23 | 0 | 5 | 19 | 65 | 0 | 0 | 0 | 0 | 0 | 0 | 21 | 7 | 11 |
$1,500 or more | 322 | 75 | 46 | 26 | 2 | 27 | 84 | 0 | 13 | 7 | 0 | 7 | 6 | 12 | 9 | 8 |
Median | 547 | 555 | 621 | 476 | 488 | 466 | 547 | 471 | 638 | 500750 | 450 | 561 | 372 | 807 | 659 | 467 |
Mean | 1402 | 800 | 2370 | 20689 | 746 | 615 | 669 | 526 | 730 | 1620 | 426 | 653 | 889 | 798 | 858 | 694 |
No regular payments required | 13 | 4 | 0 | 0 | 0 | 2 | 8 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Not reported | 233 | 73 | 15 | 0 | 8 | 0 | 64 | 0 | 21 | 0 | 0 | 17 | 23 | 6 | 7 | 0 |
Current First Mortgage Payment Status Regular monthly payments of principal and/or interest |
4116 | 815 | 460 | 97 | 77 | 276 | 1627 | 52 | 161 | 7 | 6 | 125 | 86 | 178 | 84 | 64 |
Up-to-date, ahead of schedule, or less than 90 days past due |
1684 | 323 | 199 | 63 | 7 | 276 | 587 | 52 | 25 | 7 | 0 | 54 | 12 | 12 | 47 | 18 |
Delinquent by 90 days or more | 26 | 0 | 0 | 0 | 0 | 0 | 13 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Legal proceedings have begun | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Legal proceedings have not begun | 5 | 0 | 0 | 0 | 0 | 0 | 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Not reported | 8 | 0 | 0 | 0 | 0 | 0 | 8 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Not reported | 2407 | 492 | 261 | 34 | 70 | 0 | 1027 | 0 | 124 | 0 | 6 | 70 | 74 | 166 | 37 | 46 |
Other properties | 13 | 4 | 0 | 0 | 0 | 2 | 8 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Interest and Principal Payment on First Mortgage as Percent of Rental Receipts Acquired before 2000 and regular payments of interest and/or princi | 3316 | 594 | 390 | 79 | 55 | 246 | 1371 | 45 | 116 | 7 | 6 | 93 | 57 | 136 | 69 | 52 |
Less than 20 percent | 138 | 10 | 13 | 5 | 0 | 75 | 18 | 0 | 16 | 0 | 0 | 0 | 0 | 0 | 1 | 0 |
20 to 29 percent | 108 | 11 | 17 | 0 | 0 | 18 | 43 | 0 | 0 | 0 | 0 | 7 | 0 | 10 | 0 | 0 |
30 to 39 percent | 158 | 15 | 0 | 0 | 6 | 30 | 79 | 0 | 0 | 0 | 0 | 4 | 0 | 14 | 4 | 6 |
40 to 49 percent | 308 | 50 | 17 | 0 | 0 | 56 | 137 | 5 | 11 | 0 | 0 | 9 | 6 | 5 | 0 | 12 |
50 to 59 percent | 279 | 42 | 61 | 6 | 7 | 6 | 124 | 10 | 12 | 0 | 0 | 0 | 5 | 0 | 0 | 6 |
60 to 69 percent | 374 | 32 | 52 | 6 | 10 | 7 | 197 | 16 | 4 | 0 | 0 | 15 | 4 | 16 | 7 | 7 |
70 to 79 percent | 309 | 35 | 40 | 7 | 6 | 13 | 140 | 7 | 6 | 0 | 6 | 12 | 11 | 5 | 20 | 0 |
80 to 89 percent | 285 | 74 | 23 | 0 | 6 | 0 | 127 | 0 | 13 | 0 | 0 | 17 | 5 | 13 | 0 | 6 |
90 to 99 percent | 226 | 26 | 51 | 18 | 7 | 0 | 99 | 0 | 0 | 0 | 0 | 4 | 12 | 8 | 0 | 0 |
100 percent or more | 786 | 229 | 64 | 30 | 7 | 25 | 276 | 0 | 30 | 7 | 0 | 19 | 7 | 43 | 33 | 16 |
Not reported or not computed | 345 | 69 | 50 | 7 | 6 | 16 | 130 | 6 | 23 | 0 | 0 | 6 | 7 | 22 | 4 | 0 |
Median | 74 | 89 | 72 | 97 | 73 | 37 | 72 | 63 | 75 | 50050 | 75 | 77 | 78 | 85 | 960 | 65 |
Other properties | 813 | 226 | 70 | 18 | 22 | 32 | 264 | 8 | 45 | 0 | 0 | 32 | 29 | 41 | 15 | 11 |
Real Estate Tax Per $1,000 Value Acquired before 2000 |
3528 | 665 | 406 | 79 | 63 | 248 | 1427 | 45 | 137 | 7 | 6 | 102 | 80 | 136 | 76 | 52 |
Less than $5 | 297 | 60 | 34 | 0 | 0 | 29 | 139 | 0 | 5 | 0 | 0 | 9 | 0 | 11 | 4 | 6 |
$5 to $9 | 1545 | 284 | 179 | 35 | 44 | 121 | 599 | 8 | 68 | 0 | 6 | 46 | 39 | 76 | 7 | 33 |
$10 to $14 | 646 | 88 | 55 | 15 | 5 | 24 | 312 | 5 | 17 | 0 | 0 | 27 | 20 | 28 | 41 | 8 |
$15 to $19 | 415 | 99 | 43 | 7 | 7 | 54 | 143 | 17 | 5 | 0 | 0 | 10 | 10 | 9 | 10 | 0 |
$20 to $24 | 217 | 37 | 34 | 6 | 6 | 6 | 83 | 6 | 14 | 0 | 0 | 0 | 5 | 9 | 4 | 6 |
$25 to $29 | 143 | 44 | 19 | 10 | 0 | 6 | 45 | 8 | 0 | 0 | 0 | 0 | 0 | 3 | 9 | 0 |
$30 to $39 | 214 | 40 | 32 | 7 | 0 | 8 | 87 | 0 | 27 | 7 | 0 | 6 | 0 | 0 | 1 | 0 |
$40 to $49 | 5 | 0 | 0 | 0 | 0 | 0 | 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
$50 to $59 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
$60 or more | 6 | 6 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Not reported or not computed | 40 | 7 | 9 | 0 | 0 | 0 | 14 | 0 | 0 | 0 | 0 | 5 | 6 | 0 | 0 | 0 |
Median | 10 | 10 | 10 | 11 | 9 | 9 | 10 | 17 | 10 | 35 | 8 | 9 | 10 | 9 | 13 | 8 |
Acquired 2000 and 2001 (part) | 602 | 154 | 54 | 18 | 14 | 30 | 208 | 8 | 24 | 0 | 0 | 22 | 6 | 41 | 9 | 11 |
Real Estate Tax as Percent of Rental Receipts Acquired before 2000 |
3528 | 665 | 406 | 79 | 63 | 248 | 1427 | 45 | 137 | 7 | 6 | 102 | 80 | 136 | 76 | 52 |
Less than 5 percent | 206 | 24 | 35 | 0 | 0 | 31 | 94 | 0 | 13 | 0 | 0 | 9 | 0 | 0 | 1 | 0 |
5 to 9 percent | 1038 | 211 | 89 | 5 | 24 | 81 | 449 | 0 | 39 | 0 | 0 | 33 | 20 | 54 | 7 | 25 |
10 to 14 percent | 708 | 115 | 74 | 22 | 12 | 25 | 288 | 18 | 19 | 0 | 6 | 26 | 30 | 25 | 47 | 0 |
15 to 19 percent | 474 | 88 | 53 | 8 | 13 | 47 | 187 | 13 | 23 | 0 | 0 | 12 | 10 | 12 | 7 | 0 |
20 to 24 percent | 294 | 34 | 44 | 14 | 0 | 34 | 113 | 0 | 21 | 0 | 0 | 6 | 0 | 14 | 3 | 11 |
25 to 29 percent | 181 | 58 | 33 | 0 | 0 | 0 | 60 | 8 | 0 | 7 | 0 | 6 | 0 | 0 | 0 | 9 |
30 to 34 percent | 88 | 23 | 12 | 0 | 7 | 13 | 26 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 7 | 0 |
35 to 39 percent | 44 | 14 | 0 | 17 | 0 | 0 | 6 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 8 |
40 percent or more | 96 | 16 | 7 | 6 | 0 | 0 | 52 | 0 | 0 | 0 | 0 | 0 | 7 | 9 | 0 | 0 |
Not reported or not computed | 399 | 82 | 58 | 7 | 6 | 16 | 151 | 6 | 23 | 0 | 0 | 10 | 13 | 22 | 4 | 0 |
Median | 12 | 12 | 13 | 20 | 12 | 11 | 12 | 15 | 12 | 28 | 13 | 11 | 12 | 11 | 13 | 21 |
Acquired 2000 and 2001 (part) | 602 | 154 | 54 | 18 | 14 | 30 | 208 | 8 | 24 | 0 | 0 | 22 | 6 | 41 | 9 | 11 |