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Home Mortgage Disclosure Act and Private Mortgage Insurance Companies Statistics for Southwest Aptos, Zip Code 95010, Santa Cruz County, California (CA), Tract 1221.00

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    Home Mortgage Disclosure Act Aggregated Statistics

    • 2873 Originated: 6 FHA, FSA/RHS & VA Home Purchase Loans for an average of $472,167, 657 Conventional Home Purchase for an average of $355,321, 1580 Refinancings for an average of $301,663, 57 Home Improvement for an average of $218,228, 12 Dwellings For 5+ Families for an average of $542,250, 546 Non-occupant Loans on < 5 Family Dwellings for an average of $353,734, 15 Loans On Manufactured Home Dwelling for an average of $99,467
    • 378 Approved applications, not accepted: 84 Conventional Home Purchase for an average of $328,333, 216 Refinancings for an average of $317,639, 14 Home Improvement Loans for an average of $140,429, 63 Non-occupant Loans on < 5 Family Dwellings for an average of $321,444, 1 Loan On Manufactured Home Dwelling for $46,000
    • 420 Denied: 85 Conventional Home Purchase for an average of $327,918, 251 Refinancings for an average of $335,502, 24 Home Improvement Loans for an average of $318,333, 54 Non-occupant Loans on < 5 Family Dwellings for an average of $415,000, 6 Loans On Manufactured Home Dwelling for an average of $56,667
    • 330 Withdrawn applications: 57 Conventional for an average of $291,526, 219 Refinancings for an average of $319,379, 11 Home Improvement Loans for an average of $224,182, 1 Loan on Dwelling For 5+ Families for $600,000, 42 Non-occupant Loans on < 5 Family Dwellings for an average of $402,500
    • 116 Files closed for incompleteness: 12 Conventional for an average of $423,167, 76 Refinancings for an average of $328,434, 5 Home Improvement Loans for an average of $447,800, 1 Dwelling For 5+ Families for $650,000, 22 Non-occupant Loans on < 5 Family Dwellings for an average of $295,591

    Compared to the state average:

    • The number of loans originated per 1000 residents (950) is significantly above CA average (566). The average loan value for this tract ($322,479) is comparable to the state average ($267,254).
    • The number of loans not accepted per 1000 residents (125) is above CA average (99). The average loan value for this tract ($313,368) is comparable to the state average ($260,545).
    • The number of loans denied per 1000 residents (139) is below CA average (195). The average loan value for this tract ($339,224) is above the state average ($255,164).
    • The number of loans withdrawn per 1000 residents (109) is comparable to CA average (124). The average loan value for this tract ($322,824) is above the state average ($255,431).
    • The number of loans closed per 1000 residents (38) is comparable to CA average (34). The average loan value for this tract ($339,922) is above the state average ($270,003).

    HMDA - Loans Count

    HMDA - Average Loan Value ($)


    Private Mortgage Insurance Companies Aggregated Statistics

    • 31 Originated: 23 Conventional Home Purchase Loans for an average of $282,783, 7 Refinancings for an average of $351,571, 1 Non-occupant Loan on < 5 Family Dwelling (A & B) for $508,000
    • 9 Applications approved, not accepted: 5 Conventional for an average of $287,800, 2 Refinancings for an average of $488,000, 2 Non-occupant Loans on < 5 Family Dwellings (A & B) for an average of $329,000
    • 3 Conventional Home Purchase Loans Denied for an average of $233,667
    • 4 Refinancings withdrawn for an average of $432,500

    PMIC - Loans Count

    PMIC - Average Loan Value ($)


    Private Mortgage Insurance Companies Disclosure Statistics

      Radian Guaranty:
    • 2 Conventional Home Purchase Loans Originated for an average of $207,500
    • Conventional Home Purchase Loan Denied applications for $183,000
      Genworth Financial:
    • 2 Originated: Conventional Home Purchase Loan for $216,000, Refinancing for $327,000
      Mortgage Guaranty Insurance:
    • 3 Conventional Home Purchase Loans Originated for an average of $211,667
    • Conventional Home Purchase Loan Approved, not accepted for $311,000
    • Conventional Home Purchase Loan Denied applications for $233,000
      PMI Mortgage Insurance:
    • 4 Conventional Home Purchase Loans Originated for an average of $215,500
      Republic Mortgage Insurance:
    • Conventional Home Purchase Loan Originated for $540,000
      United Guaranty Corporation:
    • 3 Originated: Conventional Home Purchase Loan for $279,000, 2 Refinancings for an average of $200,500
    • Conventional Home Purchase Loan Approved applications, not accepted for $185,000
      Triad Guaranty Insurance:
    • Conventional Home Purchase Loan Approved - not accepted for $285,000


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