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Residential Finance Survey - Detailed Regional Tables: 2001

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Residential Finance Survey: 2001 - United States
Table 2-4. Holder of First Mortgage, 1-Unit Homeowner Mortgaged Properties
^Number of mortgaged properties in thousands.
For information on confidentiality protection, sampling error, non-sampling error, and definitions, see text.
For minimum base of derived figures (percent, median, etc.) and meaning of symbols, see text^^

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
traditional first mortgage		 36410 5472 3385 626 565 3154 17242 537 999 49 48 1235 657 1309 625 507

PROPERTY CHARACTERISTICS


Property Location by Geographic Area

Inside MAs		 30402 4197 2750 521 474 2843 14855 455 747 41 43 1013 532 1041 469 421
In central cities 8815 1255 696 118 137 880 4268 157 195 16 12 301 159 367 149 104
Not in central cities 21588 2941 2054 403 337 1963 10587 298 552 25 31 712 373 674 320 317
Outside MAs 6008 1275 634 106 91 311 2386 82 252 8 5 222 125 268 156 86

Year Structure Built

1999 to March 2000		 1911 285 223 13 41 185 813 35 66 0 0 78 46 66 34 27
1997 and 1998 2157 280 227 26 27 186 1114 37 52 3 3 48 28 62 38 26
1995 and 1996 1880 263 182 34 22 138 1000 12 29 0 8 46 27 35 48 35
1990 to 1994 3660 476 310 60 66 331 1801 50 117 0 0 114 61 151 53 70
1980 to 1989 6407 948 547 104 79 622 3095 87 250 14 3 194 109 188 92 76
1970 to 1979 6076 937 503 97 78 505 2944 91 195 11 11 183 86 277 94 64
1960 to 1969 3788 612 421 66 63 292 1700 44 81 3 9 151 119 104 54 67
1950 to 1959 4389 604 452 101 89 385 2067 62 97 7 9 168 54 160 72 61
1940 to 1949 1965 290 156 40 38 192 878 48 40 0 4 78 49 93 37 22
1939 or earlier 4176 776 364 84 62 316 1830 73 72 10 0 175 79 173 104 58

Purchase Price

Properties acquired by
purchase 1997 to 2001 (part)		 14477 2103 1291 183 209 1388 7002 259 341 22 19 426 190 595 247 204
Less than $20,000 287 90 31 10 8 15 62 6 0 0 0 22 11 13 10 9
$20,000 to $39,999 729 158 52 8 26 51 261 13 12 0 0 30 23 42 32 20
$40,000 to $59,999 1084 199 75 24 19 67 476 32 39 0 0 44 20 57 23 11
$60,000 to $79,999 1605 250 91 19 31 140 806 17 43 4 0 38 29 88 38 10
$80,000 to $99,999 1796 218 161 18 20 163 946 26 29 0 5 66 24 89 16 15
$100,000 to $124,999 1813 231 147 31 18 178 917 24 72 3 0 48 22 50 38 35
$125,000 to $149,999 1822 212 166 4 44 185 952 27 33 3 4 46 9 95 18 23
$150,000 to $174,999 1330 183 131 11 7 122 721 19 9 0 3 30 28 38 10 17
$175,000 to $199,999 840 71 80 7 5 96 449 20 42 0 3 8 0 29 18 14
$200,000 to $249,999 1138 170 105 16 3 78 643 6 18 0 3 26 5 32 18 15
$250,000 to $299,999 717 92 84 19 3 99 310 5 21 4 0 35 4 22 0 20
$300,000 to $499,999 967 152 131 18 22 127 345 50 16 4 0 33 3 29 26 11
$500,000 or more 349 77 38 0 4 66 113 14 7 4 0 0 12 11 0 3
Median 123967 114723 138459 110667 101896 135637 125845 135784 116447 253069 150878 106647 90409 104146 102953 126838
Mean 155516 158415 177694 148612 132592 183309 149441 197803 142126 242863 146796 134490 136550 136343 126285 147613
Other properties 21933 3369 2094 444 355 1766 10240 279 658 27 29 809 467 715 378 303

Value

Less than $20,000		 285 71 24 10 5 13 95 6 21 0 0 13 13 11 5 0
$20,000 to $39,999 1051 237 97 15 38 35 367 5 48 0 0 53 23 47 66 19
$40,000 to $59,999 2317 483 187 38 31 110 916 35 125 0 0 107 77 81 79 48
$60,000 to $79,999 3569 638 279 33 53 296 1615 46 112 8 0 118 69 178 95 30
$80,000 to $99,999 4371 704 386 74 94 345 1988 52 147 0 16 184 87 188 36 70
$100,000 to $124,999 4223 661 395 78 48 399 1974 45 118 0 5 139 101 161 51 47
$125,000 to $149,999 4235 539 391 88 75 363 2162 37 73 11 5 137 40 175 57 84
$150,000 to $174,999 3482 437 295 47 66 326 1824 42 74 3 4 141 66 88 43 25
$175,000 to $199,999 2476 348 237 26 27 237 1257 38 45 3 3 70 42 66 36 41
$200,000 to $249,999 3117 345 326 47 32 242 1656 46 79 3 3 99 51 102 46 38
$250,000 to $299,999 2167 234 171 51 13 184 1182 22 56 4 7 71 41 64 34 33
$300,000 to $499,999 3487 502 425 80 37 360 1652 65 61 7 3 79 21 101 57 34
$500,000 or more 1630 271 172 41 47 244 553 96 41 9 0 24 26 47 20 39
Median 139102 122741 145804 143531 129908 151241 144265 174933 110012 191537 136874 125558 114757 123232 115653 136803
Mean 182092 176785 193022 205082 211675 220484 176714 290557 151872 327556 159240 151284 155796 161705 150851 182124

Value of Capital Improvements

Properties with capital
improvements between 1998
and 2000		 20429 2888 1800 374 292 1806 10040 301 484 28 35 764 319 688 339 269
Less than $500 308 39 36 9 11 33 124 7 10 0 0 8 4 11 10 5
$500 to $999 671 97 70 2 6 77 316 13 16 0 0 28 5 30 12 0
$1,000 to $2,499 3306 410 280 51 53 259 1730 52 104 3 5 96 58 110 56 40
$2,500 to $4,999 3298 485 274 30 56 291 1596 34 125 8 0 131 42 114 70 42
$5,000 to $7,499 3843 460 338 77 44 383 1962 68 41 5 9 153 67 127 56 52
$7,500 to $9,999 1129 164 100 5 18 69 612 4 33 0 3 22 15 45 39 0
$10,000 to $14,999 2624 421 226 66 26 203 1280 28 34 0 4 108 64 83 38 42
$15,000 to $19,999 1435 204 150 36 12 103 695 18 30 4 0 72 19 48 23 21
$20,000 to $29,999 1875 269 156 51 27 190 893 20 40 4 8 92 13 57 12 42
$30,000 or more 1941 340 168 48 39 198 832 58 51 4 6 54 33 66 22 24
Median 6712 7249 6772 11016 6153 6584 6598 6623 4746 6372 10282 6948 6911 6576 5977 7250
Mean 12852 14750 14737 16209 16471 14740 11711 22312 10950 12515 14295 10823 10256 11193 8958 11867
Properties with no capital
improvements between 1998 and 2000		 12646 1982 1250 206 212 1076 5721 212 418 18 13 396 276 479 212 179
Capital improvements not
reported		 3335 602 336 46 60 272 1481 25 97 4 0 75 62 142 74 60

Age Restrictions

Property located in subdivision
restricted to people age 55 or older		 1987 270 178 22 41 203 1000 37 60 3 7 43 15 57 33 18
Property located in subdivision not
restricted to people age 55 or older		 32987 4958 3066 583 504 2851 15575 493 885 46 41 1156 610 1186 562 471
Not reported 1436 244 142 21 20 101 666 7 55 0 0 36 32 66 30 18

Neighborhood Composition

Property located in subdivision or
neighborhood occupied predominantly by
people age 55 or older		 2589 426 275 48 39 145 1112 66 75 0 12 126 63 125 44 30
Property located in subdivision or
neighborhood not occupied predominantly
by people age 55 or older		 24263 3585 2249 415 382 2114 11534 342 696 31 21 841 453 846 387 366
Don't know or not reported 9558 1461 861 163 143 895 4595 130 228 18 15 267 141 338 193 111

OWNER CHARACTERISTICS


Age of Owner

Under 25		 328 57 24 0 4 20 168 0 9 0 0 8 9 14 4 10
25 to 34 5182 720 437 51 91 443 2623 78 143 3 0 139 77 200 87 90
35 to 44 10436 1515 885 177 165 976 4902 190 277 23 10 369 176 423 211 137
45 to 54 10399 1569 1006 191 160 836 4933 168 306 7 29 358 165 358 168 145
55 to 64 5579 811 572 116 97 458 2611 81 124 5 8 233 137 167 87 72
65 to 74 2178 384 203 44 25 195 1036 21 70 7 0 48 52 42 25 25
75 and over 668 125 67 11 7 96 257 0 21 3 0 32 4 28 8 9
Not reported 1640 290 190 36 15 130 711 0 50 0 0 49 37 78 35 20
Median 46 47 47 49 46 46 46 45 46 44 50 47 48 45 45 46

Race of Owner

White alone		 31761 4938 2893 543 516 2624 15140 449 830 44 40 1070 518 1140 570 447
Black or African American alone 2840 331 282 40 30 289 1306 48 118 0 8 95 120 102 32 39
American Indian or Alaska Native alone 194 30 11 9 5 30 80 0 9 0 0 14 0 8 0 0
Asian alone 1241 139 180 30 11 163 523 37 34 0 0 38 16 41 12 17
Native Hawaiian or Other Pacific
Islander alone		 115 15 11 4 0 20 57 0 4 0 0 0 0 0 4 0
Two or more races 260 20 8 0 3 28 136 3 4 5 0 19 4 18 7 4

Sex of Owner

Male/Male and female co-owners		 30105 4476 2832 514 460 2588 14404 460 748 42 43 1000 516 1089 530 404
Female 6305 996 553 112 105 566 2838 77 251 7 4 235 141 221 95 103

Hispanic/Latino Origin

Hispanic/Latino owner(s) only		 2927 381 221 47 52 331 1407 30 82 0 0 107 53 114 66 36
No Hispanic/Latino owner(s) 33483 5091 3164 580 513 2823 15835 507 917 49 48 1128 604 1196 559 471

Veteran Status@1

Veteran		 7576 1202 704 110 147 649 3541 106 212 16 11 226 160 274 119 98
Active member of Reserves or National
Guard for at least 6 years		 1327 167 105 28 31 138 653 7 34 8 7 39 30 59 18 3
Persian Gulf War or after
(August 1990 to present)		 881 94 90 0 15 74 443 13 29 0 0 26 23 44 17 13
Vietnam or after
(August 1964 to July 1990)		 4437 710 434 50 82 330 2052 81 146 0 7 151 86 147 74 86
Korean conflict or after
(July 1950 to July 1964)		 1503 274 158 28 29 116 734 19 17 5 0 36 31 19 19 18
World War II or after
(September 1940 to June 1950)		 555 110 48 11 0 87 209 0 14 3 0 19 13 32 4 4
Nonveteran 26861 3980 2478 482 389 2350 12779 425 716 33 31 934 453 954 472 384
Not reported 1973 289 204 34 28 155 921 6 72 0 5 75 44 82 34 25

Income

Less than $5,000		 3018 575 297 66 39 222 1304 18 84 4 5 76 92 139 61 34
$5,000 to $9,999 331 34 42 4 12 54 143 0 25 0 0 6 0 0 6 6
$10,000 to $14,999 595 158 32 9 21 60 216 16 31 0 0 8 11 11 11 9
$15,000 to $19,999 889 220 73 14 14 73 320 10 53 0 0 33 21 31 23 4
$20,000 to $24,999 1244 179 85 3 22 74 616 10 53 0 4 63 22 68 33 12
$25,000 to $29,999 1574 237 110 29 32 138 702 0 110 4 4 43 20 59 43 42
$30,000 to $34,999 1738 245 179 30 19 163 804 8 33 3 0 80 52 62 29 31
$35,000 to $39,999 1668 262 167 25 38 173 727 27 48 7 0 32 36 84 6 36
$40,000 to $49,999 3858 525 340 66 46 345 1803 80 108 3 5 153 90 155 87 51
$50,000 to $59,999 3717 534 335 88 34 283 1746 61 104 0 4 135 96 176 62 61
$60,000 to $79,999 6352 863 587 83 116 533 3232 64 145 3 12 235 94 207 90 88
$80,000 to $99,999 4089 527 370 79 74 333 2145 45 65 7 0 168 48 108 56 62
$100,000 to $119,999 2629 375 293 52 34 248 1288 49 62 0 0 77 20 94 33 5
$120,000 or more 4709 737 474 78 63 454 2196 148 78 17 14 126 55 114 85 69
Median 58852 55619 61106 57635 60854 59680 61488 71843 45670 77302 62841 59126 48274 52562 52271 54957
Mean 72951 72338 75552 71841 81500 80681 71178 118281 57186 110916 69407 67798 58512 60781 102839 71814

Owned Home Previously

Previously owned home		 20301 3029 1900 326 311 1849 9758 318 492 39 22 721 322 604 344 267
Never owned home before 14820 2254 1331 279 235 1206 6879 216 461 11 26 482 294 655 258 233
Not reported 1290 189 154 21 19 99 605 3 46 0 0 32 42 51 23 7

MORTGAGE CHARACTERISTICS


Number of Mortgages

1 mortgage		 27072 4008 2549 467 484 2189 12881 384 793 27 33 867 466 1025 508 392
2 mortgages 8311 1272 756 142 81 805 3932 130 189 23 7 336 155 270 101 111
3 or more mortgages 1027 192 80 17 0 160 428 23 18 0 8 32 36 14 16 3

Form of Debt of First Mortgage

Mortgage or deed of trust		 36410 5472 3385 626 565 3154 17242 537 999 49 48 1235 657 1309 625 507
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		 29850 3926 2461 474 423 2674 14968 474 874 29 32 945 532 1110 493 436
Short-term with balloon payment mortgage 1695 502 158 16 28 48 668 5 19 0 5 67 22 57 78 23
Reverse mortgage 11 0 0 0 3 0 7 0 0 0 0 0 0 0 0 0
Adjustable rate mortgage (ARM) 4489 963 713 124 101 428 1474 58 92 20 11 203 95 125 44 39
Other 365 82 53 13 10 5 124 0 15 0 0 19 8 18 9 9

Method of Loan Application

By computer over the Internet or
by e-mail		 270 35 11 0 4 42 149 4 0 0 0 0 20 4 0 0
By telephone or FAX 3579 449 281 44 24 466 1747 76 59 12 0 131 74 114 62 39
By regular mail 895 128 75 13 17 44 414 26 34 0 3 49 27 37 23 5
By personal visit 22198 3481 2145 440 377 1704 10438 288 621 29 30 796 352 829 385 282
Through third party (such as real
estate agent or builder)		 6531 798 621 45 100 706 3250 114 227 3 15 96 93 258 71 134
Some other way 102 17 19 0 0 13 43 0 0 0 0 3 0 0 6 0
Not reported 2474 505 182 75 38 148 1044 20 53 0 0 150 91 59 67 41
Not available 361 58 51 9 5 30 157 9 6 4 0 9 0 8 10 6

Origin of First Mortgage

Mortgage made at time property acquired		 25921 3959 2336 447 410 2139 12309 348 798 42 34 768 427 1030 502 372
Mortgage assumed at the time property
acquired		 704 125 75 16 5 49 323 9 20 4 0 13 7 36 14 10
Mortgage placed later than acquisition of
property		 9785 1388 974 164 149 966 4610 181 182 3 14 454 223 244 109 125
Refinanced mortgage 8890 1187 864 138 142 902 4314 165 170 3 14 393 185 195 96 122
Same lender 2568 471 315 50 53 217 1112 57 43 3 14 92 48 47 23 25
Different lender 6321 716 549 88 89 685 3201 109 127 0 0 301 137 148 74 97
Mortgage placed on property
owned free and clear of debt		 896 201 110 26 7 64 296 15 12 0 0 61 38 49 12 3
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		 9785 1388 974 164 149 966 4610 181 182 3 14 454 223 244 109 125
Obtain lower interest rate 5976 728 518 75 108 601 3154 96 117 3 9 260 66 123 57 62
Increase payment period for mortgage 83 14 15 5 0 0 30 0 0 0 0 0 0 15 0 4
Reduce payment period for mortgage 264 22 39 0 4 21 131 0 11 0 0 23 7 4 0 3
Renew or extend loan that had fallen
due, without increasing outstanding
balance		 203 26 28 5 0 40 73 0 3 0 0 14 9 0 0 4
Receive cash or increase outstanding
balance of loan		 2713 468 328 76 33 264 1003 79 47 0 0 131 119 84 35 46
Other reason 277 89 30 0 6 18 83 5 0 0 5 8 8 6 16 4
Not reported 269 41 16 3 0 23 135 0 4 0 0 17 15 12 0 4
Other properties 26625 4084 2411 463 415 2188 12632 356 817 46 34 781 434 1066 516 382
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		 4300 679 455 92 51 428 1820 109 90 0 0 215 116 130 44 71
Less than $20,000 1711 257 157 20 20 177 754 45 42 0 0 92 47 48 14 40
$20,000 to $39,999 1300 199 144 24 4 113 567 41 13 0 0 68 47 39 20 21
$40,000 to $59,999 552 108 55 23 9 49 226 0 17 0 0 29 17 16 4 0
$60,000 to $79,999 255 53 28 3 3 31 97 4 6 0 0 5 0 20 3 0
$80,000 to $99,999 173 31 22 10 6 26 64 4 0 0 0 7 0 3 0 0
$100,000 to $124,999 140 11 29 12 4 12 57 0 8 0 0 0 0 0 0 6
$125,000 to $149,999 50 7 13 0 0 5 12 5 5 0 0 0 0 0 0 3
$150,000 to $174,999 57 0 0 0 0 11 21 4 0 0 0 14 0 4 3 0
$175,000 to $199,999 18 7 0 0 0 0 6 5 0 0 0 0 0 0 0 0
$200,000 to $249,999 25 3 3 0 4 4 11 0 0 0 0 0 0 0 0 0
$250,000 to $299,999 15 4 0 0 0 0 6 0 0 0 0 0 5 0 0 0
$300,000 or more 5 0 3 0 0 0 0 2 0 0 0 0 0 0 0 0
Median 26754 28321 29776 41982 42776 26519 25505 24759 25524 0 0 24666 24765 28790 28115 17758
Mean 35604 34719 44044 46376 51464 36811 32499 45062 35182 0 0 34853 33891 34564 34342 30691
Properties that refinanced
and did not receive cash back		 4630 588 429 46 88 459 2399 51 73 3 14 208 64 101 51 54
Properties that refinanced
and did not report if received
cash back		 855 121 90 25 11 79 390 21 18 0 0 31 43 13 13 0
Properties that did not
refinance		 26625 4084 2411 463 415 2188 12632 356 817 46 34 781 434 1066 516 382
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		 4300 679 455 92 51 428 1820 109 90 0 0 215 116 130 44 71
For additions, improvements or repairs
to this property		 2032 340 257 56 27 149 875 51 37 0 0 119 43 39 8 31
To consolidate debts 1992 302 147 22 12 218 877 60 31 0 0 112 88 55 28 40
For investment in other real estate 307 39 45 7 4 27 148 5 0 0 0 14 5 9 5 0
For other types of investments 270 34 42 7 0 23 109 5 22 0 0 10 5 9 0 3
For educational or medical expenses 336 52 39 16 0 46 121 11 10 0 0 21 13 5 0 3
To start a business 99 42 4 0 0 12 33 0 0 0 0 0 0 5 0 3
To settle a divorce 113 13 21 3 15 6 38 4 0 0 0 5 0 5 0 4
To pay taxes 126 24 13 4 0 17 40 10 9 0 0 0 4 4 0 0
To purchase an automobile, truck, or
other vehicle		 414 79 25 0 0 60 159 15 7 0 0 31 21 7 6 3
To purchase consumer product other than
automobile, truck, or other vehicle		 124 4 17 4 0 26 31 3 4 0 0 14 10 12 0 0
Other 103 7 25 0 0 17 33 5 0 0 0 0 0 12 4 0
Not reported 52 0 9 11 0 4 27 0 0 0 0 2 0 0 0 0
Properties that refinanced
and did not receive cash back		 4630 588 429 46 88 459 2399 51 73 3 14 208 64 101 51 54
Properties that refinanced
and did not report if received
cash back		 855 121 90 25 11 79 390 21 18 0 0 31 43 13 13 0
Properties that did not
refinance		 26625 4084 2411 463 415 2188 12632 356 817 46 34 781 434 1066 516 382
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)		 13816 2120 1213 201 199 1433 6370 231 322 14 11 553 333 421 225 167
1997 and 1998 8586 1095 741 127 92 864 4376 180 188 11 13 284 80 318 96 124
1995 and 1996 3932 686 374 82 73 276 1808 30 108 9 7 116 64 157 84 57
1990 to 1994 6283 913 631 120 109 420 3137 69 164 4 8 157 80 221 147 102
1985 to 1989 1921 309 252 59 37 80 758 17 118 3 0 91 53 87 41 16
1980 to 1984 693 143 65 23 24 34 277 0 45 4 0 11 13 24 22 9
1979 or earlier 1179 207 109 14 31 47 516 10 53 4 8 24 34 80 11 32

Traditional First Mortgage Loan

Less than $20,000		 1239 303 97 26 33 21 383 6 64 0 4 78 61 84 43 35
$20,000 to $29,999 1785 377 166 33 36 91 654 26 66 0 8 113 33 88 61 34
$30,000 to $39,999 2274 471 213 43 37 135 930 24 99 3 0 95 52 70 61 39
$40,000 to $49,999 2508 467 252 62 35 132 1129 38 93 4 0 111 53 72 41 20
$50,000 to $59,999 3030 463 312 56 48 245 1322 38 102 0 0 139 49 160 70 25
$60,000 to $79,999 5696 895 508 99 64 501 2811 83 108 11 19 141 108 197 83 67
$80,000 to $99,999 4698 562 406 94 64 466 2436 47 139 11 0 162 49 147 37 78
$100,000 to $149,999 7972 964 695 87 157 764 4141 97 179 0 11 232 138 274 122 112
$150,000 to $199,999 3333 360 281 56 35 308 1899 24 67 7 6 56 59 83 62 28
$200,000 to $249,999 1683 218 175 13 4 211 833 26 32 5 0 51 14 50 21 29
$250,000 to $299,999 649 105 59 27 10 94 241 43 12 4 0 5 9 20 5 16
$300,000 or more 1117 211 181 22 20 177 272 85 22 4 0 33 26 42 9 14
Not reported 427 77 39 9 21 9 189 0 16 0 0 19 5 22 9 12
Median 86214 73779 86103 77804 86002 99187 90653 103260 72485 91928 72938 70176 74438 77129 67502 87199
Mean 106653 105757 114388 98270 102314 127470 104831 160391 88362 136330 86166 86602 93095 97003 87633 102806

Traditional First Mortgage Outstanding
Debt

Less than $10,000		 1300 278 132 20 20 69 500 9 45 0 4 78 38 43 34 29
$10,000 to $19,999 1750 405 164 51 45 63 552 22 91 4 8 112 38 101 62 31
$20,000 to $29,999 2232 436 194 52 23 146 925 28 56 3 3 115 50 85 74 44
$30,000 to $39,999 2662 475 296 66 54 98 1228 37 123 3 0 109 56 61 44 12
$40,000 to $49,999 2818 459 266 61 32 234 1270 47 106 4 5 122 35 122 43 12
$50,000 to $59,999 2761 422 240 58 39 281 1290 30 51 3 5 100 66 99 40 37
$60,000 to $79,999 5382 826 444 85 72 468 2669 66 122 11 8 137 90 207 85 92
$80,000 to $99,999 4507 507 421 68 75 433 2350 36 125 4 0 130 61 190 48 60
$100,000 to $149,999 6918 829 618 74 138 665 3619 92 162 4 11 175 133 202 105 93
$150,000 to $199,999 2955 333 227 35 11 290 1688 22 52 5 3 60 39 99 50 40
$200,000 to $249,999 1258 155 141 17 11 181 566 37 20 0 0 49 14 19 18 29
$250,000 to $299,999 499 86 50 20 4 65 175 32 18 4 0 7 14 16 5 4
$300,000 or more 949 184 154 11 20 155 220 79 12 4 0 26 17 42 9 14
Not reported 420 77 39 9 21 5 189 0 16 0 0 15 5 22 9 12
Median 76618 65387 77218 60172 76332 89888 80786 96574 63368 71586 58119 57368 69631 72772 62403 78001
Mean 96350 95469 103045 81660 94269 116166 94578 145485 79768 118943 66565 77035 86424 89855 79301 95304

Total Mortgage Outstanding Debt

Less than $10,000		 1108 233 115 16 20 65 429 4 45 0 4 57 25 39 30 24
$10,000 to $19,999 1598 366 152 51 45 63 474 22 91 4 8 99 44 91 62 26
$20,000 to $29,999 2143 419 200 50 19 130 869 28 49 3 3 124 46 85 74 44
$30,000 to $39,999 2437 461 263 63 54 92 1134 25 112 0 0 103 35 52 31 12
$40,000 to $49,999 2596 396 222 63 24 218 1212 44 103 3 5 112 34 108 40 12
$50,000 to $59,999 2647 443 226 56 42 253 1211 30 42 3 5 103 57 98 41 36
$60,000 to $79,999 5327 785 464 83 72 435 2627 57 119 15 8 140 111 222 94 93
$80,000 to $99,999 4606 588 427 70 75 430 2364 65 120 4 0 139 46 178 42 59
$100,000 to $149,999 7207 862 634 79 136 677 3782 86 179 0 11 201 140 227 98 94
$150,000 to $199,999 3275 377 277 30 15 338 1797 27 65 9 3 63 57 105 68 44
$200,000 to $249,999 1352 176 139 22 11 174 653 34 23 0 0 30 21 19 21 29
$250,000 to $299,999 617 97 66 23 4 89 230 28 22 4 0 21 14 12 5 4
$300,000 or more 1101 204 161 11 26 190 277 87 12 4 0 31 21 51 9 19
Not reported 395 66 39 9 21 0 183 0 16 0 0 11 5 22 9 12
Median 80655 69831 81442 62291 78504 94918 84844 98096 68241 73997 58119 61764 75168 75388 66005 80617
Mean 100612 99624 107537 83990 94855 123608 98337 158934 82180 128051 70678 82895 93500 91846 82596 98200

Current Interest Rate on First Mortgage

Less than 6.0 percent		 9962 1907 1173 184 311 144 4171 4 375 0 3 329 266 627 178 290
6.0 percent 423 43 12 4 0 15 263 4 0 3 4 21 0 11 43 0
6.1 to 6.4 percent 811 90 94 7 0 134 360 16 10 4 0 32 3 52 9 0
6.5 to 6.9 percent 3720 289 303 73 6 621 2047 82 38 4 3 179 8 56 11 0
7.0 percent 3329 349 196 56 24 322 1965 22 63 13 8 121 22 101 36 31
7.1 to 7.4 percent 2817 244 217 56 10 482 1564 80 28 4 0 85 3 38 4 3
7.5 to 7.9 percent 3595 411 382 71 3 494 1873 93 24 4 14 118 17 44 48 0
8.0 percent 1411 151 64 20 8 178 816 34 11 3 0 74 0 9 39 4
8.1 to 8.4 percent 1039 149 59 12 0 150 547 17 31 4 0 33 11 22 3 0
8.5 to 8.9 percent 1335 210 103 22 19 163 637 38 53 11 8 47 0 9 11 3
9.0 percent 453 76 25 7 4 36 198 24 36 0 0 5 14 3 26 0
9.1 to 9.4 percent 353 113 29 3 12 60 87 11 7 0 0 4 8 6 5 8
9.5 to 9.9 percent 701 162 77 15 10 100 201 24 37 0 0 21 10 12 22 11
10.0 percent 217 46 5 6 0 19 63 22 11 0 3 0 8 8 20 6
10.1 to 10.4 percent 204 31 26 0 4 16 63 20 9 0 0 0 20 10 4 0
10.5 to 10.9 percent 365 75 34 13 13 43 114 13 23 0 0 7 16 7 4 3
11.0 percent 416 76 31 8 5 13 197 9 11 0 0 14 15 10 23 4
11.1 to 12.9 percent 598 105 40 13 7 95 155 11 21 0 5 14 81 12 29 8
13.0 percent 95 21 12 0 0 5 35 0 9 0 0 0 13 0 0 0
13.1 percent or more 4566 924 502 56 129 64 1886 14 200 0 0 130 142 273 109 136
Not reported 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Median 7.1 7.2 7.1 7.1 5.4 7.4 7.1 7.8 7.3 7.2 7.7 7.0 8.4 6.2 7.8 5.2

Points Paid as Interest on First
Mortgage

With mortgage placed		 35892 5387 3314 614 560 3116 17017 528 984 45 48 1226 654 1288 611 501
No points 6568 1227 590 225 26 648 2256 147 279 15 29 582 123 120 264 35
Less than 1 point 807 12 14 3 0 562 181 19 5 0 0 7 3 0 0 0
1 point 337 55 66 19 0 28 109 6 0 0 3 10 20 17 3 0
1.1 to 1.9 points 1024 45 69 4 3 298 541 28 0 0 0 22 6 7 0 0
2 points 238 31 24 16 0 23 75 8 5 0 0 17 17 22 0 0
2.1 to 2.9 points 233 0 12 8 0 129 70 7 0 0 0 4 0 3 0 0
3 points 95 9 25 3 0 15 30 0 0 0 0 3 9 0 0 0
3.1 to 3.9 points 77 0 0 5 0 51 12 5 0 0 0 0 4 0 0 0
4 points 26 4 6 0 0 6 0 4 0 0 0 0 7 0 0 0
4.1 to 4.9 points 65 0 6 0 0 48 7 0 0 0 0 0 3 0 0 0
5 points 74 7 14 0 0 15 18 0 0 0 0 4 4 12 0 0
5.1 to 5.9 points 64 0 6 0 0 50 5 0 0 0 0 0 3 0 0 0
6 points or more 550 10 25 0 0 181 251 4 0 0 0 6 61 13 0 0
Not reported or don't know 25734 3986 2457 329 530 1061 13462 301 695 30 16 571 393 1094 343 466
With mortgage assumed 518 85 71 13 5 38 225 9 16 4 0 9 3 21 14 6

Type of Interest Rate Buydown

Properties with interest rate
buydown		 1114 76 25 0 0 19 947 11 0 5 0 11 15 5 0 0
Constant payment 46 0 7 0 0 0 17 4 0 0 0 11 8 0 0 0
3-2-1 buydown 12 0 5 0 0 0 7 0 0 0 0 0 0 0 0 0
Other 34 9 8 0 0 10 7 0 0 0 0 0 0 0 0 0
Not reported 1022 68 5 0 0 9 916 7 0 5 0 0 7 5 0 0
Properties without interest
rate buydown		 16219 1894 1260 312 65 2176 8095 464 325 40 33 675 247 283 302 49
Not reported 19077 3501 2100 315 500 959 8200 63 675 3 15 549 396 1021 323 458

Term of First Mortgage

Less than 5 years		 160 112 5 5 0 3 0 0 0 0 5 7 4 0 18 0
5 years 303 189 24 0 0 0 0 11 0 0 0 37 7 0 36 0
6 to 9 years 192 67 24 10 0 4 35 0 0 0 0 38 8 0 6 0
10 years 669 171 57 28 4 44 161 23 4 0 3 116 11 0 41 6
11 to 14 years 99 49 11 3 0 6 3 0 0 0 4 4 10 0 4 5
15 years 4005 499 357 113 0 453 2077 113 4 8 0 249 43 0 71 19
16 to 19 years 58 18 15 0 0 7 4 0 10 0 0 0 4 0 0 0
20 years 818 140 71 25 0 131 283 32 6 4 0 39 35 0 49 6
21 to 24 years 24 4 0 7 0 0 3 0 6 0 0 4 0 0 0 0
25 years 290 58 52 8 4 45 73 0 5 0 0 28 1 7 9 0
26 to 29 years 96 27 7 0 0 3 52 3 3 0 0 0 0 0 0 0
30 years 14396 1058 1075 170 117 2278 8162 350 155 38 32 237 179 388 96 62
More than 30 years 275 13 11 0 0 13 19 0 213 0 0 0 7 0 0 0
No stated term 15026 3067 1676 258 440 168 6370 4 593 0 4 476 349 914 295 411
Median 30 21 30 22 30 30 30 30 34 30 30 16 30 30 16 30

Unexpired Term of First Mortgage

Less than 5 years		 1014 389 79 16 8 61 243 20 3 0 5 84 11 13 83 0
5 to 9 years 2148 394 203 95 15 159 911 46 25 8 15 154 23 14 67 19
10 to 14 years 2912 435 250 71 17 328 1330 100 39 7 0 207 43 8 61 17
15 to 19 years 1597 198 162 58 10 233 651 33 50 7 0 78 55 26 23 14
20 to 24 years 2711 212 208 33 31 383 1496 49 108 5 8 30 10 87 40 10
25 to 29 years 9007 619 662 86 40 1465 5178 220 107 22 15 160 119 229 51 32
30 or more years 1996 158 145 11 4 357 1064 64 73 0 0 45 49 19 5 4
No stated term or not computed 15026 3067 1676 258 440 168 6370 4 593 0 4 476 349 914 295 411
Median 25 15 24 15 22 26 26 25 24 22 21 13 26 26 11 19

Servicer of First Mortgage

Commercial bank or trust company		 7369 5103 0 4 0 21 2053 98 23 12 9 5 0 37 4 0
Savings and loan association, federal
savings bank		 3984 0 3159 0 4 31 663 41 5 12 8 11 4 47 0 0
Mutual savings bank 708 0 0 591 0 0 102 0 0 4 0 0 0 8 0 3
Life insurance company 518 0 0 0 510 0 8 0 0 0 0 0 0 0 0 0
Mortgage banker or mortgage company 18501 359 222 32 51 3102 14191 361 43 18 7 26 3 69 10 6
Federally-sponsored secondary market
agency or pool		 69 0 0 0 0 0 65 4 0 0 0 0 0 0 0 0
Conventional mortgage pool 25 0 0 0 0 0 3 21 0 0 0 0 0 0 0 0
Other federal agency 929 0 0 0 0 0 0 0 929 0 0 0 0 0 0 0
Real estate investment trust 3 0 0 0 0 0 0 0 0 3 0 0 0 0 0 0
Pension or retirement fund 20 0 0 0 0 0 0 0 0 0 20 0 0 0 0 0
Credit union 1346 0 0 0 0 0 140 8 0 0 0 1193 0 5 0 0
Finance company 677 3 0 0 0 0 13 4 0 0 3 0 650 0 4 0
State or municipal government or
housing finance agency		 1147 3 0 0 0 0 0 0 0 0 0 0 0 1144 0 0
Individual or individual's estate 610 3 0 0 0 0 0 0 0 0 0 0 0 0 601 6
Other 505 0 4 0 0 0 4 0 0 0 0 0 0 0 6 492

Holder's Acquisition of First Mortgage

Originated directly from borrower		 15811 3308 2181 429 303 1064 5269 175 419 14 31 948 390 575 463 243
Purchased from present servicer 10167 1044 443 74 130 1477 5559 144 396 29 6 164 121 359 86 134
Purchased from someone else 10432 1119 760 124 132 613 6414 218 184 5 11 124 146 375 76 131
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 		25950 3942 2347 463 415 2136 12337 341 809 46 34 763 405 1044 499 369
Less than 40 percent 952 180 103 19 6 57 408 10 33 9 0 39 13 30 16 29
40 to 49 percent 663 131 81 18 9 60 284 0 25 0 0 37 3 4 7 3
50 to 59 percent 945 133 106 12 44 63 439 27 20 0 4 26 11 14 28 20
60 to 69 percent 2787 464 253 65 39 151 1332 49 111 7 0 72 52 136 27 30
70 to 79 percent 2799 448 357 59 13 272 1228 36 70 11 11 62 54 106 45 27
80 to 89 percent 4231 672 410 79 73 350 1961 56 103 12 3 126 72 181 82 49
90 to 94 percent 2378 292 204 20 35 197 1178 37 79 4 3 92 23 122 56 35
95 to 99 percent 3111 311 197 32 68 374 1693 40 113 4 5 49 18 122 43 42
100 percent or more 7658 1230 593 150 105 603 3639 86 237 0 7 242 148 310 186 122
Not reported 426 80 43 9 22 9 175 0 19 0 0 18 10 18 9 12
Median 91 89 86 87 92 93 92 89 92 76 86 91 89 92 94 93
Other properties 10460 1530 1038 164 149 1018 4905 196 190 3 14 472 253 266 125 138
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		 25950 3942 2347 463 415 2136 12337 341 809 46 34 763 405 1044 499 369
Less than 40 percent 1129 206 105 45 6 83 475 4 41 5 0 65 13 34 18 29
40 to 49 percent 710 141 87 13 9 60 317 13 18 3 4 26 0 4 10 3
50 to 59 percent 1005 119 130 36 38 78 460 11 26 0 0 36 21 10 24 16
60 to 69 percent 5181 914 428 89 47 514 2419 93 123 7 9 120 87 168 113 50
70 to 79 percent 3687 522 445 60 26 392 1730 78 62 18 7 96 51 107 65 27
80 to 89 percent 4034 609 387 90 62 337 1829 46 117 4 3 144 71 197 91 49
90 to 94 percent 2198 272 173 23 38 170 1086 50 75 4 3 67 40 127 33 39
95 to 99 percent 2780 280 171 30 43 307 1549 17 105 4 3 50 23 130 30 39
100 percent or more 4830 801 383 68 124 191 2307 30 228 0 4 144 90 248 108 106
Not reported 394 76 39 9 20 5 164 0 16 0 0 15 10 18 9 12
Median 83 80 79 77 91 78 84 76 91 74 75 82 84 90 82 91
Other properties 10460 1530 1038 164 149 1018 4905 196 190 3 14 472 253 266 125 138
Not available 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

First Mortgage Risk

Subprime loan		 1730 257 110 11 66 268 503 86 32 10 0 43 197 58 52 36
Not subprime loan 34680 5215 3275 616 499 2886 16738 451 967 39 48 1192 460 1251 573 471
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		 2684 513 268 86 41 186 1052 28 61 5 15 149 52 133 58 39
20 to 29 percent 2170 362 212 74 28 148 1010 43 85 11 0 67 31 42 33 25
30 to 39 percent 2808 406 317 52 54 253 1249 34 72 7 0 121 59 91 41 52
40 to 49 percent 3568 546 391 76 49 270 1660 61 95 8 10 125 61 87 78 52
50 to 59 percent 4916 737 526 86 81 445 2337 83 128 4 7 112 49 181 73 67
60 to 69 percent 5204 806 457 83 68 378 2642 49 108 7 3 210 73 177 84 57
70 to 79 percent 5549 784 449 78 103 500 2704 94 180 0 8 188 68 210 103 79
80 to 89 percent 4023 564 272 51 31 439 2047 77 97 4 0 101 71 161 53 56
90 to 99 percent 3188 404 259 15 64 348 1523 47 97 4 4 80 81 148 60 56
100 percent or more 1764 261 189 14 20 189 757 21 44 0 0 71 98 57 33 11
Not reported or not computed 537 90 46 13 25 0 262 0 33 0 0 11 13 22 9 12
Median 63 62 59 52 62 67 64 64 64 42 49 62 69 66 63 62

Index Used to Adjust Interest Rate
on ARM

Properties with adjustable
rate first mortgage		 4854 1045 766 136 110 433 1599 58 107 20 11 223 103 143 54 48
Treasury security 1188 350 227 72 9 144 232 17 4 7 0 105 18 0 3 0
Average cost of funds in bank district 206 24 90 0 4 65 5 0 0 0 0 15 0 3 0 0
National average cost of funds 78 29 18 4 0 10 4 5 0 0 0 8 0 0 0 0
OTS contract mortgage rate 25 5 7 7 0 6 0 0 0 0 0 0 0 0 0 0
Other method 321 94 95 4 0 52 14 25 0 0 7 14 7 9 0 0
No index used 111 20 4 0 0 70 3 0 0 0 0 11 0 3 0 0
Not reported 2927 522 325 50 98 87 1340 11 103 12 4 71 78 127 50 48
Other properties 31556 4427 2619 490 454 2722 15643 479 893 29 37 1012 554 1166 571 459
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		 4854 1045 766 136 110 433 1599 58 107 20 11 223 103 143 54 48
Monthly 296 0 156 0 4 101 24 0 0 3 7 0 0 2 0 0
Every 3 months 25 4 3 4 0 0 4 6 0 0 0 5 0 0 0 0
Every 6 months 169 39 0 0 0 54 25 23 0 0 0 7 22 0 0 0
Yearly 1178 393 226 53 9 106 266 17 0 9 0 90 3 3 0 3
Every 3 years 139 75 11 19 0 9 0 0 0 4 0 21 0 0 0 0
Every 5 years 121 47 19 10 0 17 9 0 4 4 0 12 0 0 0 0
Other 62 3 20 0 0 5 0 5 0 0 0 25 4 0 0 0
Not reported 2864 484 331 50 98 141 1271 7 103 0 4 64 75 138 54 45
Other properties 31556 4427 2619 490 454 2722 15643 479 893 29 37 1012 554 1166 571 459
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		 4854 1045 766 136 110 433 1599 58 107 20 11 223 103 143 54 48
Yes, rate has changed 1142 316 266 42 12 168 189 21 0 11 7 92 10 5 3 0
No change since mortgage made 855 239 178 41 0 124 130 33 4 9 0 63 29 0 0 3
Not reported 2858 489 321 54 98 141 1280 4 103 0 4 67 65 138 50 45
Other properties 31556 4427 2619 490 454 2722 15643 479 893 29 37 1012 554 1166 571 459
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 		106 30 27 3 4 20 4 1 0 0 0 12 5 0 0 0
Payments can change monthly 37 0 10 0 0 14 0 0 0 0 0 8 5 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 4 0 0 0 0 0 0 0 0 0 0 4 0 0 0 0
Payments can change yearly 50 23 13 3 4 6 0 1 0 0 0 0 0 0 0 0
Payments can change every 3 years 6 6 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Payments can change every 5 years 4 0 4 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 4 0 0 0 0 0 4 0 0 0 0 0 0 0 0 0
Monthly payments cannot
change		 33437 4951 3021 569 463 3008 15957 536 896 49 43 1155 579 1171 575 462
Not reported 2867 491 337 54 98 127 1280 0 103 0 4 67 73 138 50 45

First Mortgage Allows for Negative
Amortization

Monthly payments can change
(other than change in interest
rate)		 106 30 27 3 4 20 4 1 0 0 0 12 5 0 0 0
Yes, unrestricted negative amortization 4 0 0 0 0 0 0 0 0 0 0 4 0 0 0 0
Yes, restricted negative amortization 14 0 10 0 4 0 0 0 0 0 0 0 0 0 0 0
No negative amortization allowed 78 23 17 3 0 20 0 1 0 0 0 8 5 0 0 0
Not reported 10 6 0 0 0 0 4 0 0 0 0 0 0 0 0 0
Monthly payments cannot change 33437 4951 3021 569 463 3008 15957 536 896 49 43 1155 579 1171 575 462
Not reported 2867 491 337 54 98 127 1280 0 103 0 4 67 73 138 50 45

MORTGAGE PAYMENTS AND OTHER EXPENSES


Method of Payment of First Mortgage

Regular payments of interest
and/or principal		 35335 5269 3293 594 532 3122 16751 537 960 49 48 1195 636 1267 601 481
Interest and principal 35280 5250 3273 594 532 3115 16748 537 960 49 48 1195 636 1267 597 481
Fully amortized 32154 4425 2903 555 496 2777 15843 508 747 42 35 1103 589 1188 486 458
Not fully amortized 3127 825 369 40 37 338 904 29 213 7 12 92 47 80 111 23
Interest only 54 20 21 0 0 7 3 0 0 0 0 0 0 0 4 0
No regular payments required 100 13 16 0 3 29 31 0 0 0 0 0 0 0 8 0
Not reported 976 190 75 32 29 4 460 0 39 0 0 40 22 42 16 26

Items Included in First Mortgage
Payment@1

Regular monthly payments of
both interest and principal		 35280 5250 3273 594 532 3115 16748 537 960 49 48 1195 636 1267 597 481
Real estate taxes 13252 628 829 186 52 2102 8294 322 125 32 25 258 24 281 65 28
Property insurance 11849 542 642 80 47 1948 7568 280 130 25 20 208 19 278 44 19
Mortgage insurance 3892 138 176 32 18 439 2787 71 14 4 0 56 0 154 0 4
Other 4708 232 176 27 39 1087 2808 71 32 14 17 67 7 119 10 0
No items included or not reported 21524 4537 2385 401 477 877 8316 180 825 17 23 925 612 969 527 453
No regular payments of interest
and principal		 1130 222 112 32 32 40 494 0 39 0 0 40 22 42 28 26

Monthly Interest and Principal Payments
on First Mortgage

Monthly payments of interest
and/or principal		 35335 5269 3293 594 532 3122 16751 537 960 49 48 1195 636 1267 601 481
Less than $100 179 44 15 10 0 10 51 0 23 0 0 4 4 13 0 6
$100 to $199 807 176 61 30 18 35 248 9 52 0 11 77 18 40 26 7
$200 to $299 2047 446 148 28 54 158 828 17 68 3 4 91 41 69 67 24
$300 to $399 3131 555 321 56 38 264 1308 39 120 7 0 115 41 145 85 38
$400 to $499 3473 485 294 53 43 268 1735 28 64 7 10 145 53 176 79 31
$500 to $599 3907 569 323 68 54 410 1946 70 103 7 0 132 45 101 46 33
$600 to $699 3589 528 333 66 40 298 1769 60 96 0 3 127 80 104 40 47
$700 to $799 3105 357 345 38 29 276 1646 37 79 4 5 77 58 83 33 38
$800 to $899 2656 355 218 37 40 258 1333 44 74 0 3 88 30 98 42 37
$900 to $999 2257 285 198 38 47 220 1173 9 43 0 8 49 53 76 36 24
$1,000 to $1,249 4015 510 390 74 67 339 1995 45 105 7 3 123 103 126 57 69
$1,250 to $1,499 2137 262 150 22 44 163 1192 18 36 5 0 47 38 84 34 42
$1,500 or more 4030 699 499 73 58 423 1527 162 99 7 0 119 73 152 54 86
Median 717 668 744 677 768 743 730 820 653 597 491 626 761 686 590 845
Mean 892 880 957 866 1288 935 862 1262 784 992 577 869 893 870 756 1069
No regular payments required 100 13 16 0 3 29 31 0 0 0 0 0 0 0 8 0
Not reported 976 190 75 32 29 4 460 0 39 0 0 40 22 42 16 26

Current First Mortgage Payment Status

Regular monthly payments of
principal and/or interest		 36310 5459 3369 626 561 3125 17211 537 999 49 48 1235 657 1309 617 507
Up-to-date, ahead of schedule, or
less than 90 days past due		 18583 1947 1394 324 67 2663 9701 501 300 46 43 696 281 285 284 49
Delinquent by 90 days or more 407 32 15 0 0 104 162 11 32 0 0 6 6 11 28 0
Legal proceedings have begun 149 12 15 0 0 39 47 3 15 0 0 6 6 0 5 0
Legal proceedings have not begun 189 0 0 0 0 55 76 8 17 0 0 0 0 11 22 0
Not reported 69 20 0 0 0 10 39 0 0 0 0 0 0 0 0 0
Not reported 17320 3480 1959 302 494 358 7347 25 668 3 4 533 370 1013 305 458
Other properties 100 13 16 0 3 29 31 0 0 0 0 0 0 0 8 0

Interest and Principal Payments on
Traditional First Mortgages as Percent
of Income

Monthly payments of interest
and/or principal		 35335 5269 3293 594 532 3122 16751 537 960 49 48 1195 636 1267 601 481
Less than 5 percent 1357 277 76 37 16 136 531 22 44 0 7 75 20 55 55 7
5 to 9 percent 6372 1016 548 129 80 484 3129 92 123 23 20 268 59 196 126 78
10 to 14 percent 9058 1186 949 147 124 749 4614 158 209 4 7 318 120 241 131 102
15 to 19 percent 6584 879 573 91 97 627 3243 93 180 11 0 204 140 285 100 62
20 to 24 percent 3776 525 370 64 101 338 1694 83 94 3 5 135 104 152 43 64
25 to 29 percent 1918 282 187 20 31 199 835 23 102 0 0 38 35 100 26 39
30 to 34 percent 1169 161 98 12 14 146 524 27 26 0 0 22 22 59 22 36
35 to 39 percent 652 121 90 12 13 54 281 7 31 0 0 21 5 3 4 9
40 to 49 percent 742 142 52 13 10 73 313 13 46 0 0 11 7 23 22 17
50 percent or more 1173 194 122 26 22 113 486 0 35 4 4 30 45 38 16 37
Not reported or not computed 2534 486 229 44 25 202 1100 18 69 4 5 73 79 114 56 30
Median 15 15 15 14 17 16 15 15 17 10 9 13 18 16 13 18
No regular payments required 1076 202 92 32 32 33 491 0 39 0 0 40 22 42 24 26

Real Estate Tax Per $1,000 Value

Acquired before 2000		 31331 4683 2858 564 471 2669 14968 452 879 45 48 1084 569 1073 533 437
Less than $5 7627 1328 623 127 97 626 3606 93 241 11 9 261 157 239 119 92
$5 to $9 8326 1210 753 133 128 818 3900 158 242 14 10 324 181 207 129 120
$10 to $14 6816 885 570 119 94 597 3387 93 169 9 12 254 95 245 172 115
$15 to $19 3618 479 365 62 54 277 1769 52 79 11 8 122 47 184 52 56
$20 to $24 2098 296 260 43 50 144 946 27 73 0 4 44 49 99 39 23
$25 to $29 990 140 81 29 8 68 521 21 31 0 0 34 9 38 0 9
$30 to $39 1605 301 182 48 24 139 723 7 38 0 5 38 27 45 18 12
$40 to $49 7 4 0 0 0 0 4 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 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Not reported or not computed 243 39 24 3 16 0 113 0 7 0 0 7 4 17 4 9
Median 10 9 10 11 10 9 10 9 9 9 12 9 8 12 10 10
Acquired 2000 and 2001 (part) 5079 789 527 63 94 486 2273 86 120 4 0 151 88 236 92 70
@1Detail does not add to total because more than one answer accepted.
@1Detail does not add to total because more than one answer accepted.
@1Detail does not add to total because more than one answer accepted.


Go to Residential Finance Survey: 2001 Detailed Regional Tables
Contact the Demographic Call Center Staff at 301-763-2422 or 1-866-758-1060 (toll free) or visit ask.census.gov for further information on Residential Finance Survey.

Source: U.S. Census Bureau, Housing and Household Economic Statistics Division
Last Revised: December 07, 2005