Home Mortgage Disclosure Act and Private Mortgage Insurance Companies Statistics for Avery Creek, Zip Code 28704, Buncombe County, North Carolina (NC), Tract 0023.01

• 2139 Loans originated: 43 FHA, FSA/RHS & VA Home Purchase Loans for an average of $189,186, 877 Conventional Home Purchase for an average of $236,116, 929 Refinancings for an average of $185,988, 44 Home Improvement Loans for an average of $70,500, 202 Non-occupant Loans on < 5 Family Dwellings for an average of $368,470, 44 Loans On Manufactured Home Dwelling for an average of $84,750
• 260 Approved loans, not accepted: 2 FHA, FSA/RHS & VA Loans for an average of $164,500, 95 Conventional for an average of $225,968, 111 Refinancings for an average of $167,450, 10 Home Improvement for an average of $80,100, 18 Non-occupant Loans on < 5 Family Dwellings for an average of $300,389, 24 Loans On Manufactured Home Dwelling for an average of $59,750
• 617 Denied loans: 15 FHA, FSA/RHS & VA Loans for an average of $166,067, 149 Conventional Home Purchase Loans for an average of $214,141, 332 Refinancings for an average of $207,151, 24 Home Improvement for an average of $60,250, 39 Non-occupant Loans on < 5 Family Dwellings for an average of $396,385, 58 Loans On Manufactured Home Dwelling for an average of $67,586
• 311 Applications withdrawn: 4 FHA, FSA/RHS & VA for an average of $163,500, 97 Conventional for an average of $247,928, 170 Refinancings for an average of $241,859, 8 Home Improvement for an average of $106,250, 25 Non-occupant Loans on < 5 Family Dwellings for an average of $354,200, 7 Loans On Manufactured Home Dwelling for an average of $71,143
• 84 Applications closed for incompleteness: 1 FHA, FSA/RHS & VA for $41,000, 22 Conventional for an average of $217,773, 52 Refinancings for an average of $163,865, 3 Home Improvement for an average of $34,000, 1 Non-occupant Loan on < 5 Family Dwelling for $417,000, 5 Loans On Manufactured Home Dwelling for an average of $74,600

• 240 Loans originated: 157 Conventional Home Purchase for an average of $202,592, 63 Refinancings for an average of $199,397, 18 Non-occupant Loans on < 5 Family Dwellings (A & B) for an average of $166,944, 2 Loans On Manufactured Home Dwelling (A & B) for an average of $104,000
• 50 Approved loans - not accepted: 19 Conventional Home Purchase for an average of $268,474, 24 Refinancings for an average of $227,875, 4 Non-occupant Loans on < 5 Family Dwellings (A & B) for an average of $174,500, 3 Loans On Manufactured Home Dwelling (A & B) for an average of $75,667
• 11 Denied applications: 6 Conventional Home Purchase Loans for an average of $287,167, 4 Refinancings for an average of $190,750, 1 Non-occupant Loan on < 5 Family Dwelling (A & B) for $89,000
• 19 Loans withdrawn: 9 Conventional for an average of $243,556, 7 Refinancings for an average of $216,714, 3 Non-occupant Loans on < 5 Family Dwellings (A & B) for an average of $171,667
• 4 Files closed for incompleteness: 1 Conventional for $141,000, 3 Refinancings for an average of $90,333

Radian Guaranty:
• 8 Loans originated: 4 Conventional Home Purchase Loans for an average of $164,500, 4 Refinancings for an average of $200,750

Genworth Financial:
• 12 Loans originated: 8 Conventional Home Purchase Loans for an average of $140,500, 4 Refinancings for an average of $124,750
• 4 Loans approved but not accepted: Conventional Home Purchase Loan for $121,000, 3 Refinancings for an average of $233,333
• Refinancing Withdrawn for $103,000

Mortgage Guaranty Insurance:
• 7 Loans originated: 4 Conventional Home Purchase Loans for an average of $143,500, 3 Refinancings for an average of $109,333

PMI Mortgage Insurance:
• 11 Loans originated: 8 Conventional Home Purchase Loans for an average of $154,000, 3 Refinancings for an average of $177,000
• Refinancing approved, not accepted for $189,000

Republic Mortgage Insurance:
• 5 Loans originated: 3 Conventional Home Purchase Loans for an average of $261,667, 2 Refinancings for an average of $120,000
• 3 Withdrawn applications: Conventional Home Purchase Loan for $223,000, 2 Refinancings for an average of $114,000

United Guaranty Corporation:
• 4 Originated: 3 Conventional Home Purchase Loans for an average of $182,000, Refinancing for $96,000
• Refinancing Approved, not accepted for $310,000

Triad Guaranty Insurance:
• 2 Loans originated: Conventional Home Purchase Loan for $81,000, Refinancing for $154,000

WACHOVIA BANK NA (NC):
• 9 Originated: 1 Conventional Home Purchase Loan for $44,000, 8 Refinancings for an average of $106,875
• 6 Approved, not accepted: 2 Conventional for an average of $119,000, 3 Refinancings for an average of $125,000, 1 Non-occupant Loan on < 5 Family Dwelling for $113,000
• 6 Applications denied: 1 Conventional Home Purchase for $149,000, 5 Refinancings for an average of $111,800
• 2 Withdrawn applications: 1 Refinancing for $106,000, 1 Non-occupant Loan on < 5 Family Dwelling for $106,000

JPMORGAN CHASE BANK (OH):
• 5 Originated: 3 Conventional Home Purchase for an average of $213,667, 2 Refinancings for an average of $158,000
• Refinancing Approved - not accepted for $25,000

US BANK, N.A. (OH):
• Refinancing Originated for $94,000

FIRST NATIONAL BANK OF CC (PA):
• 2 Refinancings Withdrawn for an average of $210,500

FLEET NATIONAL BANK (RI):
• Home Improvement Loan Originated for $52,000

FIRST TENNESSEE BANK NA (TN):
• 4 Originated: 2 Conventional Home Purchase Loans for an average of $347,500, 1 Refinancing for $120,000, 1 Non-occupant Loan on < 5 Family Dwelling for $180,000
• Conventional Home Purchase Loan Denied for $180,000

NATIONAL CITY BANK (OH):
• 2 Conventional Home Purchase Loans Denied for an average of $71,500

NATIONAL CITY BANK OF INDIANA (IN):
• Conventional Home Purchase Loan originated for $269,000
• Refinancing closed for incompleteness for $147,000

PNC BANK, NA (PA):
• Refinancing Denied for $60,000

CITIBANK, N.A. (NV):
• 9 Originated: 2 Conventional Home Purchase Loans for an average of $40,500, 6 Refinancings for an average of $56,167, 1 Home Improvement Loan for $12,000
• 2 Conventional Home Purchase Loans Approved , not accepted for an average of $30,500
• 3 Refinancings Denied for an average of $72,000
• 2 Refinancings Withdrawn for an average of $10,000

WELLS FARGO BANK, NA (SD):
• Refinancing Originated for $372,000
• Home Improvement Loan Approved but not accepted for $40,000

THE HUNTINGTON NATIONAL BANK (OH):
• Conventional Home Purchase Loan originated for $999,000

TRUSTMARK NATIONAL BANK (MS):
• 2 Originated: 1 Refinancing for $416,000, 1 Non-occupant Loan on < 5 Family Dwelling for $416,000

BANK OF AMERICA, N.A. (NC):
• 24 Originated: 12 Conventional Home Purchase Loans for an average of $155,250, 9 Refinancings for an average of $105,444, 3 Non-occupant Loans on < 5 Family Dwellings for an average of $146,000
• Home Improvement Loan Approved - not accepted for $35,000
• Refinancing denied for $110,000

UNION PLANTERS BANK (TN):
• Refinancing Withdrawn for $118,000

NATIONAL BANK OF COMMERCE (TN):
• 3 Loans originated: 1 Conventional Home Purchase Loan for $300,000, 2 Refinancings for an average of $99,500
• Refinancing denied for $75,000

SOUTH CAROLINA B&T NA (SC):
• Conventional Home Purchase Loan Originated for $1,220,000

HARRIS N.A. (IL):
• 2 Originated: 1 Refinancing for $417,000, 1 Non-occupant Loan on < 5 Family Dwelling for $417,000

KEYBANK NATIONAL ASSOCIATION (OH):
• Home Improvement Loan originated for $3,000

CITY NATIONAL BANK OF FLORIDA (FL):
• 2 Loans originated: 1 Conventional for $1,700,000, 1 Non-occupant Loan on < 5 Family Dwelling for $1,700,000

THE PEOPLES NATIONAL BANK (SC):
• 2 Refinancings Originated for an average of $127,000

FLORIDA BANK, N. A. (FL):
• Refinancing originated for $140,000

CHASE MANHATTAN BANK USA, NA (DE):
• Refinancing originated for $95,000
• 2 Refinancings Denied for an average of $104,500

US BANK NORTH DAKOTA (ND):
• Conventional Home Purchase Loan originated for $177,000
• Refinancing Approved - not accepted for $150,000
• 2 Denied: 1 Conventional Home Purchase for $75,000, 1 Refinancing for $469,000

METLIFE BANK, N.A. (NJ):
• Refinancing originated for $286,000

NATIONAL BANK OF KANSAS CITY (KS):
• Refinancing originated for $30,000

MBNA AMERICA DELAWARE, N.A. (DE):
• Refinancing originated for $34,000
• 2 Applications denied: 1 Refinancing for $97,000, 1 Loan On Manufactured Home Dwelling for $97,000

COUNTRYWIDE BANK, N.A. (VA):
• Conventional Home Purchase Loan Denied for $91,000

FIRST NATIONAL BANK OF ARIZONA (AZ):
• 2 Originated: 1 Conventional for $69,000, 1 Refinancing for $247,000

AMERICAN HOME BANK, N.A. (PA):
• 2 Loans approved but not accepted: 1 Conventional Home Purchase for $325,000, 1 Non-occupant Loan on < 5 Family Dwelling for $325,000

CHARTER ONE BANK (OH):
• Refinancing originated for $82,000

WEBSTER BANK, N.A. (CT):
• Conventional Home Purchase Loan Denied for $366,000

RBS CITIZENS BANK, N.A. (NY):
• Refinancing Originated for $50,000

STERLING NATIONAL MORTGAGE CO. (NY):
• Refinancing Originated for $147,000

CITIMORTGAGE, INC (MO):
• Refinancing originated for $155,000

CITIMORTGAGE, INC (NY):
• Conventional Home Purchase Loan Originated for $257,000
• Refinancing Denied for $126,000

CCO MORTGAGE (RI):
• 2 Refinancings originated for an average of $150,000
• 2 Conventional Home Purchase Loans withdrawn for an average of $531,000

HSBC MORTGAGE CORP (NY):
• 6 Originated: 4 Conventional for an average of $170,000, 1 Refinancing for $115,000, 1 Non-occupant Loan on < 5 Family Dwelling for $275,000

CAPITAL ONE HOME LOANS, LLC (KS):
• 3 Refinancings originated for an average of $252,333
• Refinancing Approved but not accepted for $563,000

CHASE MANHATTAN MORTGAGE CORP. (NJ):
• 5 Originated: 3 Conventional Home Purchase for an average of $202,333, 2 Refinancings for an average of $107,000
• 2 Applications approved - not accepted: 1 Refinancing for $115,000, 1 Non-occupant Loan on < 5 Family Dwelling for $115,000
• Conventional Home Purchase Loan denied for $82,000

RATESTAR, INC. (OH):
• 2 Refinancings withdrawn for an average of $129,500

NATIONAL CITY MORTGAGE CORPORA (OH):
• 2 Refinancings originated for an average of $79,500
• Refinancing Approved, not accepted for $114,000

AM MTG NETWORK DBA VERTI (CA):
• 2 Conventional Home Purchase Loans originated for an average of $63,500

ABN AMRO MTG GROUP INC (MI):
• 2 Originated: 1 Conventional for $64,000, 1 Refinancing for $77,000

WELLS FARGO FUNDING, INC (IA):
• 3 Conventional Home Purchase Loans originated for an average of $269,000

EDWARD JONES MORTGAGE, LLC (MN):
• 2 Originated: 1 Conventional Home Purchase Loan for $89,000, 1 Non-occupant Loan on < 5 Family Dwelling for $89,000

FIRST HORIZON HOME LOAN CORP (TX):
• 5 Originated: 4 Conventional Home Purchase Loans for an average of $224,250, 1 Refinancing for $140,000
• Refinancing Withdrawn for $203,000

HOMEOWNERS LOAN CORPORATION (AL):
• 2 Refinancings approved - not accepted for an average of $136,000

WACHOVIA MORTAGE (NC):
• 5 Loans originated: 2 Conventional Home Purchase Loans for an average of $147,500, 3 Refinancings for an average of $125,667
• Refinancing Approved , not accepted for $130,000
• Conventional Home Purchase Loan Withdrawn for $1,092,000

WESTAMERICA MORTGAGE COMPANY (IL):
• Conventional Home Purchase Loan originated for $221,000

WELLS FARGO HOME MORTGAGE (IA):
• 26 Loans originated: 11 Conventional Home Purchase for an average of $132,273, 14 Refinancings for an average of $90,071, 1 Non-occupant Loan on < 5 Family Dwelling for $80,000
• 3 Approved applications but not accepted: 2 Refinancings for an average of $202,000, 1 Non-occupant Loan on < 5 Family Dwelling for $323,000
• 3 Denied applications: 2 Refinancings for an average of $103,500, 1 Non-occupant Loan on < 5 Family Dwelling for $104,000

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PREMIER BANK (KS):
• Refinancing originated for $38,000

FIRST CHARTER BANK (NC):
• Conventional Home Purchase Loan originated for $175,000
• Conventional Home Purchase Loan Withdrawn for $146,000

THE NORTHERN TRUST COMPANY (IL):
• 2 Originated: 1 Conventional for $1,188,000, 1 Non-occupant Loan on < 5 Family Dwelling for $1,188,000

SOMERSET TRUST COMPANY (PA):
• Refinancing denied for $154,000

REGIONS BANK (AL):
• 3 Denied applications: 1 Conventional Home Purchase Loan for $148,000, 1 Non-occupant Loan on < 5 Family Dwelling for $148,000, 1 Loan On Manufactured Home Dwelling for $148,000

AMSOUTH BANK (AL):
• Conventional Home Purchase Loan originated for $845,000

SUNTRUST BANKS, INC (GA):
• Home Improvement Loan Denied for $33,000

SUNTRUST MORTGAGE, INC (VA):
• Conventional Home Purchase Loan Withdrawn for $40,000

SOUTH TRUST MORTGAGE (AL):
• Conventional Home Purchase Loan originated for $70,000

IRWIN MORTGAGE CORPORATION (IN):
• Refinancing Originated for $79,000

HSBC MORTGAGE CORPORATION (NY):
• 13 Loans originated: 5 Conventional Home Purchase for an average of $95,600, 5 Refinancings for an average of $112,200, 3 Non-occupant Loans on < 5 Family Dwellings for an average of $106,000

RBC CENTURA (NC):
• 4 Originated: 1 Conventional Home Purchase Loan for $261,000, 2 Refinancings for an average of $83,000, 1 Home Improvement for $15,000
• Refinancing Denied for $20,000

CHASE MANHATTAN MORTGAGE CORP (NJ):
• 17 Originated: 3 Conventional Home Purchase Loans for an average of $125,000, 11 Refinancings for an average of $125,091, 3 Non-occupant Loans on < 5 Family Dwellings for an average of $76,000
• Conventional Home Purchase Loan Denied for $145,000

COUNTRYWIDE HOME LOANS (CA):
• 27 Originated: 12 Conventional for an average of $138,000, 10 Refinancings for an average of $147,500, 5 Non-occupant Loans on < 5 Family Dwellings for an average of $118,000
• Conventional Home Purchase Loan Denied for $93,000
• 3 Withdrawn loans: 2 Conventional for an average of $74,000, 1 Non-occupant Loan on < 5 Family Dwelling for $95,000
• Conventional Home Purchase Loan Closed for incompleteness for $374,000

BENEFICIAL COMPANY LLC (IL):
• Refinancing Originated for $45,000
• 5 Loans denied: 4 Refinancings for an average of $145,750, 1 Home Improvement Loan for $10,000
• Refinancing Withdrawn for $144,000

EQUITY ONE, INC. (NJ):
• 2 Refinancings Approved, not accepted for an average of $68,000
• 2 Refinancings Withdrawn for an average of $143,500

M&T MORTGAGE CORPORATION (NY):
• Refinancing originated for $126,000
• Refinancing approved but not accepted for $241,000

THE CIT GROUP/CONSUMER FINANCE (NJ):
• 3 Approved but not accepted: 2 Conventional Home Purchase for an average of $57,000, 1 Refinancing for $64,000

AMERA MORTGAGE CORPORATION (MI):
• Refinancing denied for $315,000

WELLS FARGO FIN'L NO CAROLINA (IA):
• Refinancing Originated for $43,000

IRWIN HOME EQUITY CORP (CA):
• Home Improvement Loan Originated for $59,000
• Refinancing denied for $26,000

RBC MORTGAGE (TX):
• 3 Originated: 2 Conventional for an average of $157,500, 1 Refinancing for $111,000

FIFTH THIRD MORTGAGE COMPANY (OH):
• 3 Originated: 1 Conventional Home Purchase Loan for $132,000, 1 Refinancing for $70,000, 1 Loan On Manufactured Home Dwelling for $70,000

CITIFINANCIAL SERVICES, INC. (MD):
• 2 Loans originated: 1 Refinancing for $100,000, 1 Loan On Manufactured Home Dwelling for $100,000
• Refinancing denied for $30,000

EQUIFIRST CORPORATION (NC):
• 2 Originated: 1 Conventional Home Purchase Loan for $116,000, 1 Refinancing for $177,000
• Refinancing approved but not accepted for $128,000
• Refinancing Closed for incompleteness for $169,000

CITIFINANCIAL MORTGAGE COMPANY (TX):
• Refinancing Originated for $100,000

COMMUNITY RESOURCE MORTGAGE (SC):
• Refinancing withdrawn for $116,000

DOVER MORTGAGE COMPANY (NC):
• Conventional Home Purchase Loan Originated for $90,000

DECISION ONE MORTGAGE (IL):
• 5 Loans originated: 4 Conventional Home Purchase for an average of $81,250, 1 Refinancing for $520,000
• Conventional Home Purchase Loan Approved - not accepted for $376,000

HFC COMPANY LLC (IL):
• Home Improvement Loan Denied for $95,000

CRESCENT MORTGAGE COMPANY (GA):
• Conventional Home Purchase Loan denied for $380,000

E-LOAN INC (CA):
• Refinancing originated for $40,000

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CITIZENS BANK (TN):
• Conventional Home Purchase Loan Withdrawn for $480,000

DISCOVER BANK (DE):
• Home Improvement Loan Denied for $60,000

COUNTYBANK (SC):
• Refinancing originated for $166,000

BRANCH BANKING AND TRUST CO (NC):
• 13 Originated: 5 Conventional for an average of $120,400, 6 Refinancings for an average of $213,500, 2 Non-occupant Loans on < 5 Family Dwellings for an average of $147,500
• 2 Denied applications: 1 Conventional for $95,000, 1 Non-occupant Loan on < 5 Family Dwelling for $95,000
• 2 Conventional Home Purchase Loans closed for incompleteness for an average of $260,000

FIRST-CITIZENS BANK & TRUST CO (NC):
• 8 Originated: 4 Conventional Home Purchase for an average of $302,250, 3 Refinancings for an average of $91,333, 1 Non-occupant Loan on < 5 Family Dwelling for $540,000

BANK OF ENGLAND DBA ENG LENDIN (AR):
• Refinancing originated for $282,000

NEW YORK COMMUNITY BANK (NY):
• Refinancing Originated for $155,000

UNITED COMMUNITY BANK - GA (GA):
• 2 Originated: 1 FHA, FSA/RHS & VA Home Purchase Loan for $131,000, 1 Conventional for $120,000

YADKIN VALLEY BANK (NC):
• Conventional Home Purchase Loan Originated for $112,000

BB&T OF SC (SC):
• 2 Loans originated: 1 Conventional Home Purchase for $764,000, 1 Non-occupant Loan on < 5 Family Dwelling for $764,000

FREMONT INVESTMENT & LOAN (CA):
• 2 Refinancings originated for an average of $122,000

PARK BANK (WI):
• 2 Loans originated: 1 Conventional Home Purchase for $1,164,000, 1 Non-occupant Loan on < 5 Family Dwelling for $1,164,000

CAROLINA FIRST BANK (SC):
• Conventional Home Purchase Loan Originated for $300,000
• Home Improvement Loan denied for $5,000

FRANKLIN BANK SSB (TX):
• Conventional Home Purchase Loan Originated for $352,000

CRESCENT BANK & TRUST (GA):
• Refinancing Approved - not accepted for $52,000

GEORGIA BANK & TRUST CO (GA):
• Conventional Home Purchase Loan originated for $177,000

ASHEVILLE SAVINGS BANK, S.S.B. (NC):
• 10 Loans originated: 4 Conventional Home Purchase for an average of $149,250, 6 Refinancings for an average of $107,333
• Refinancing approved - not accepted for $52,000
• Refinancing Denied for $106,000
• 2 Applications withdrawn: 1 Conventional for $68,000, 1 Refinancing for $98,000

1ST MARINER BANK (MD):
• Refinancing originated for $90,000

MACON BANK, INC. (NC):
• Refinancing originated for $398,000

BLUE RIDGE SAVINGS BANK (NC):
• Conventional Home Purchase Loan Originated for $417,000

SOUTHERN COMMUNITY BANK AND TR (NC):
• 2 Loans originated: 1 Conventional Home Purchase for $116,000, 1 Non-occupant Loan on < 5 Family Dwelling for $116,000
• Conventional Home Purchase Loan Denied for $2,000,000
• Conventional Home Purchase Loan withdrawn for $200,000

CAROLINA BANK (NC):
• 4 Originated: 1 Conventional Home Purchase for $417,000, 3 Refinancings for an average of $222,667
• Refinancing Denied for $329,000

MOUNTAIN BANK (NC):
• 11 Loans originated: 2 Conventional Home Purchase for an average of $98,000, 7 Refinancings for an average of $243,714, 2 Non-occupant Loans on < 5 Family Dwellings for an average of $98,000
• 8 Applications denied: 4 Conventional Home Purchase Loans for an average of $87,500, 4 Non-occupant Loans on < 5 Family Dwellings for an average of $87,500

CAPITAL BANK (NC):
• 2 Loans originated: 1 Conventional Home Purchase for $88,000, 1 Refinancing for $89,000

THE BANK OF ASHEVILLE (NC):
• 2 Refinancings denied for an average of $86,000

GRANDSOUTH BANK (SC):
• 2 Originated: 1 Refinancing for $1,875,000, 1 Non-occupant Loan on < 5 Family Dwelling for $1,875,000

MOUNTAIN 1ST BANK & TRUST (NC):
• 9 Originated: 4 Conventional Home Purchase Loans for an average of $285,000, 4 Refinancings for an average of $215,500, 1 Non-occupant Loan on < 5 Family Dwelling for $248,000
• Conventional Home Purchase Loan approved, not accepted for $131,000

GMAC BANK (UT):
• Refinancing originated for $193,000

GREENPOINT MORTGAGE FUNDING (NC):
• Conventional Home Purchase Loan denied for $70,000
• Refinancing Withdrawn for $125,000

GREENPOINT CREDIT, LLC (CA):
• Conventional Home Purchase Loan denied for $21,000

C&F MORTGAGE CORP (VA):
• Refinancing Originated for $170,000

LENDMARK FINANCIAL SERVICES (GA):
• 2 Originated: 1 Home Improvement Loan for $81,000, 1 Loan On Manufactured Home Dwelling for $81,000

SYNOVUS MORTGAGE CORPORATION (AL):
• Conventional Home Purchase Loan originated for $244,000

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CITIBANK, FSB (VA):
• Refinancing originated for $199,000

CITIZENS SOUTH BANK (NC):
• Conventional Home Purchase Loan originated for $184,000

M&I BANK FSB (NV):
• 2 Loans denied: 1 Conventional for $70,000, 1 Loan On Manufactured Home Dwelling for $70,000

FIRST FEDERAL (SC):
• Refinancing Originated for $141,000

INDYMAC BANK, F.S.B. (CA):
• Refinancing Approved - not accepted for $1,158,000
• 2 Refinancings denied for an average of $663,000

AMTRUST BANK (OH):
• 5 Originated: 2 Conventional for an average of $138,500, 2 Refinancings for an average of $153,000, 1 Non-occupant Loan on < 5 Family Dwelling for $137,000

SOVEREIGN BANK (PA):
• Refinancing Approved but not accepted for $189,000

PULASKI BANK (MO):
• 2 Withdrawn loans: 1 Refinancing for $125,000, 1 Non-occupant Loan on < 5 Family Dwelling for $125,000

E*TRADE BANK (VA):
• Refinancing originated for $206,000

LEHMAN BROTHERS BANK, FSB (DE):
• Conventional Home Purchase Loan Approved but not accepted for $277,000

COLONIAL SAVINGS, F.A. (TX):
• Refinancing withdrawn for $109,000

USAA FEDERAL SAVINGS BANK (TX):
• 2 Originated: 1 Conventional Home Purchase Loan for $121,000, 1 Refinancing for $77,000

STERLING BANK & TRUST, FSB (MI):
• Conventional Home Purchase Loan approved but not accepted for $315,000

CHEVY CHASE BANK, F.S.B. (VA):
• Refinancing Withdrawn for $383,000

BLUE RIDGE SAVINGS BANK INC (NC):
• Refinancing Withdrawn for $169,000

FLAGSTAR BANK (MI):
• Refinancing originated for $100,000

UNION FEDERAL C/O SKY BANK (IN):
• 2 Refinancings withdrawn for an average of $126,000

WASHINGTON MUTUAL BANK (NV):
• Refinancing Originated for $604,000

HOME LOAN INVESTMENT BANK (RI):
• Refinancing approved - not accepted for $70,000

WORLD SAVINGS BANK, FSB (CA):
• 2 Originated: 1 Conventional Home Purchase Loan for $500,000, 1 Non-occupant Loan on < 5 Family Dwelling for $500,000
• 2 Withdrawn: 1 Conventional Home Purchase for $500,000, 1 Non-occupant Loan on < 5 Family Dwelling for $500,000

HOMETRUST BANK (NC):
• 28 Loans originated: 8 Conventional for an average of $227,625, 19 Refinancings for an average of $136,789, 1 Non-occupant Loan on < 5 Family Dwelling for $700,000
• Refinancing Denied for $117,000

MIDFIRST BANK (OK):
• Refinancing Originated for $53,000

CITICORP TRUST BANK, FSB (DE):
• Home Improvement Loan Approved - not accepted for $190,000

STATE FARM BANK (IL):
• Refinancing denied for $223,000

AIG FEDERAL SAVINGS BANK (DE):
• Refinancing Originated for $155,000

GE MONEY BANK (UT):
• Refinancing Denied for $145,000

EVERBANK (FL):
• 3 Refinancings originated for an average of $184,667

FARM BUREAU BANK (NV):
• Refinancing Approved , not accepted for $135,000

AMERICAN EXPRESS BANK, FSB (UT):
• Refinancing Originated for $120,000

ING BANK, FSB (DE):
• Conventional Home Purchase Loan originated for $141,000

COUNTRYWIDE BANK, FSB (VA):
• 10 Loans originated: 4 Conventional Home Purchase Loans for an average of $657,750, 5 Refinancings for an average of $75,600, 1 Home Improvement Loan for $51,000
• Conventional Home Purchase Loan Approved - not accepted for $413,000
• Conventional Home Purchase Loan Denied for $318,000
• Conventional Home Purchase Loan Withdrawn for $47,000

CHARLES SCHWAB BANK (NV):
• 2 Refinancings approved - not accepted for an average of $470,000
• 3 Loans denied: 2 Refinancings for an average of $1,071,000, 1 Non-occupant Loan on < 5 Family Dwelling for $1,725,000
• 2 Loans withdrawn: 1 Conventional Home Purchase for $295,000, 1 Non-occupant Loan on < 5 Family Dwelling for $295,000

CITIFINANCIAL MTG CO, INC (TX):
• Refinancing denied for $105,000

CITIMORTGAGE, INC. (MO):
• Refinancing Denied for $83,000

MERRILL LYNCH CREDIT CORP. (FL):
• Conventional Home Purchase Loan approved but not accepted for $340,000

CITIMORTGAGE, INC (MO):
• 7 Refinancings Originated for an average of $134,286
• Refinancing approved but not accepted for $127,000
• Conventional Home Purchase Loan closed for incompleteness for $290,000

SIB MORTGAGE CORP. (NJ):
• Conventional Home Purchase Loan approved, not accepted for $119,000

MIDCOUNTRY MORTGAGE CORP. (MN):
• 2 Conventional Home Purchase Loans Originated for an average of $243,000

GB HOME EQUITY, LLC (WI):
• Conventional Home Purchase Loan originated for $45,000

FIRST FRANKLIN CORPORATION (CA):
• Refinancing Denied for $280,000

GREATER ATLANTIC MORTGAGE CORP (VA):
• Conventional Home Purchase Loan Originated for $153,000

RBMG, INC (SC):
• Refinancing originated for $149,000

PRICELINE MORTGAGE COMPANY LLC (FL):
• Refinancing Denied for $102,000

CORINTHIAN MORTGAGE CORP (MS):
• Refinancing closed for incompleteness for $69,000

MERRILL LYNCH CREDIT CORP. (FL):
• 3 Loans originated: 1 Conventional Home Purchase for $275,000, 1 Refinancing for $320,000, 1 Non-occupant Loan on < 5 Family Dwelling for $275,000

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PENTAGON FEDERAL CREDIT UNION (VA):
• Conventional Home Purchase Loan withdrawn for $250,000

NFCU (VA):
• 2 Withdrawn loans: 1 Conventional Home Purchase Loan for $140,000, 1 Non-occupant Loan on < 5 Family Dwelling for $140,000

UNITED FEDERAL CREDIT UNION (MI):
• 2 Refinancings Denied for an average of $65,000

HANSCOM FEDERAL CREDIT UNION (MA):
• Refinancing Originated for $142,000

AAFCU (TX):
• Refinancing withdrawn for $268,000

LOCAL GOV'T FEDERAL CREDIT UNION (NC):
• Conventional Home Purchase Loan originated for $111,000

SACU (TX):
• 2 Approved but not accepted: 1 Conventional for $22,000, 1 Loan On Manufactured Home Dwelling for $22,000

CHAMPION CREDIT UNION (NC):
• Refinancing Denied for $145,000

TELCO COMMUNITY CREDIT UNION (NC):
• 2 Loans originated: 1 Conventional for $62,000, 1 Refinancing for $160,000

STATE EMPLOYEES' CREDIT UNION (NC):
• 12 Originated: 6 Conventional for an average of $115,000, 4 Refinancings for an average of $130,000, 2 Non-occupant Loans on < 5 Family Dwellings for an average of $172,500
• Conventional Home Purchase Loan Denied for $149,000
• Refinancing withdrawn for $125,000

EASTMAN CREDIT UNION (TN):
• Conventional Home Purchase Loan originated for $110,000

MOUNTAIN CREDIT UNION (NC):
• 2 Refinancings Originated for an average of $37,500

CU FACTORY BUILT LENDING, LP (TX):
• 2 Denied: 1 Refinancing for $44,000, 1 Loan On Manufactured Home Dwelling for $44,000

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OCWEN LOAN SERVICING, LLC (FL):
• Refinancing originated for $130,000

AMERICAN BUSINESS FINANCIAL (PA):
• 2 Refinancings denied for an average of $21,000

GREATER ACCEPTANCE MORTGAGE CO (CA):
• Refinancing originated for $150,000

WMC MORTGAGE CORP. (CA):
• Refinancing originated for $102,000

ADVANCED FINANCIAL SERVICES IN (RI):
• Refinancing Denied for $80,000
• 2 Refinancings Withdrawn for an average of $94,500

MERRILL LYNCH CREDIT CORP. (FL):
• 2 Originated: 1 Conventional Home Purchase Loan for $343,000, 1 Refinancing for $141,000
• Conventional Home Purchase Loan closed for incompleteness for $264,000

WIELAND FINANCIAL SERVICES, IN (GA):
• Refinancing originated for $387,000

LONG BEACH MORTGAGE CO. (WA):
• Refinancing originated for $146,000

TRIBECA LENDING CORPORATION (NY):
• Refinancing Withdrawn for $131,000

EHOMECREDIT CORP (NY):
• Conventional Home Purchase Loan Originated for $351,000

MORTGAGE LENDERS NETWORK USA (CT):
• Refinancing Withdrawn for $78,000

CHALLENGE FINANCIAL INVESTORS (FL):
• Refinancing Withdrawn for $240,000

SOUTHSTAR FUNDING, LLC (GA):
• 2 Refinancings originated for an average of $76,000

PRIMARY RESIDENTIAL MORTGAGE (UT):
• 2 Refinancings originated for an average of $291,000
• 3 Withdrawn: 2 Conventional Home Purchase Loans for an average of $275,500, 1 Refinancing for $196,000

FRANKLIN FIRST FINANCIAL LTD (NY):
• Refinancing Approved but not accepted for $110,000

CUNA MUTUAL MORTGAGE CORPORATI (WI):
• 2 Refinancings Withdrawn for an average of $95,000

METROCITIES MORTGAGE LLC (CA):
• 3 Conventional Home Purchase Loans Originated for an average of $199,667

SLM FINANCIAL CORPORATION (NJ):
• Refinancing Originated for $147,000
• Home Improvement Loan Approved - not accepted for $10,000

E-LOAN, INC. (CA):
• Refinancing originated for $25,000
• 2 Refinancings denied for an average of $46,500

FRANKLIN MORTGAGE FUNDING (MI):
• Conventional Home Purchase Loan denied for $145,000

NEXSTAR FINANCIAL CORPORATION (MO):
• Conventional Home Purchase Loan originated for $244,000

AMERICAN SECURITY MORTGAGE COR (NC):
• 2 Conventional Home Purchase Loans Originated for an average of $122,500

PRIMARY CAPITAL ADVISORS LC (GA):
• 4 Originated: 1 Conventional for $148,000, 2 Refinancings for an average of $1,210,000, 1 Non-occupant Loan on < 5 Family Dwelling for $148,000

MORTGAGE IT (NY):
• 3 Loans originated: 1 Conventional Home Purchase Loan for $191,000, 1 Refinancing for $487,000, 1 Non-occupant Loan on < 5 Family Dwelling for $191,000

SIDUS FINANCIAL, LLC (NC):
• Refinancing Originated for $110,000

NOVASTAR MORTGAGE, INC. (MO):
• Refinancing originated for $65,000
• Refinancing denied for $310,000
• Refinancing Closed for incompleteness for $89,000

WR STARKEY MORTGAGE, LLP (TX):
• Conventional Home Purchase Loan Originated for $141,000

FIRST NLC FINANCIAL SERVICES, (FL):
• Refinancing Withdrawn for $145,000

CONCORDE ACCEPTANCE CORPORATIO (TX):
• 2 Originated: 1 Conventional for $130,000, 1 Refinancing for $149,000

HOME123 CORPORATION (CA):
• Refinancing Withdrawn for $139,000

THORBURG MORTGAGE HOME LOANS (NM):
• Refinancing withdrawn for $1,100,000

GATEWAY MORTGAGE GROUP LLC (OK):
• Refinancing originated for $211,000

ACE MORTGAGE FUNDING, LLC. (IN):
• Refinancing originated for $88,000

PINNACLE DIRECT FUNDING CORPOR (FL):
• Refinancing Originated for $306,000

AMERICAN MORTGAGE NETWORK (CA):
• 4 Originated: 2 Conventional Home Purchase Loans for an average of $144,500, 2 Refinancings for an average of $65,000
• Refinancing approved but not accepted for $100,000

POLARIS HOME FUNDING CORP. (MI):
• FHA, FSA/RHS & VA Home Purchase Loan Denied for $132,000

HOME LOAN CENTER, INC. (CA):
• Conventional Home Purchase Loan Originated for $400,000

ENCORE CREDIT CORP (CA):
• Refinancing Withdrawn for $100,000

WILMINGTON FINANCE, INC. (PA):
• 2 Loans originated: 1 Conventional Home Purchase for $335,000, 1 Refinancing for $124,000
• 2 Refinancings approved - not accepted for an average of $75,000
• Conventional Home Purchase Loan denied for $161,000

ARGENT MORTGAGE COMPANY (CA):
• Refinancing Originated for $80,000

AMSTAR MORTGAGE CORPORATION (TX):
• Refinancing Denied for $97,000

AEGIS LENDING CORPORATION (TX):
• 2 Denied loans: 1 Conventional Home Purchase Loan for $540,000, 1 Refinancing for $99,000

AEGIS FUNDING CORPORATION (TX):
• Refinancing approved - not accepted for $181,000
• Refinancing Denied for $37,000

SAGE CREDIT COMPANY, INC (CA):
• Refinancing Originated for $202,000

PARAGON FINANCIAL MORTGAGE (TX):
• Conventional Home Purchase Loan originated for $314,000

FMF CAPITAL LLC (MI):
• 3 Loans originated: 2 Conventional Home Purchase for an average of $132,500, 1 Refinancing for $50,000

AVELO MORTGAGE DBA SENDERRA (SC):
• FHA, FSA/RHS & VA Home Purchase Loan Originated for $215,000

FIRST RESIDENTIAL MORTGAGE (KY):
• 3 Loans denied: 1 Conventional Home Purchase Loan for $107,000, 2 Refinancings for an average of $100,000

GROUP ONE MORTGAGE, INC. (FL):
• 2 Loans originated: 1 Conventional for $360,000, 1 Non-occupant Loan on < 5 Family Dwelling for $360,000

THE CIT GROUP/CONSUMER FINANCE (NJ):
• 2 Applications approved, not accepted: 1 Refinancing for $69,000, 1 Loan On Manufactured Home Dwelling for $69,000
• Refinancing Denied for $122,000

NEWDAY FINANCIAL, LLC (MD):
• Refinancing closed for incompleteness for $220,000

PHH HOME LOANS (NJ):
• Conventional Home Purchase Loan Originated for $60,000

DYNAMIC CAPITAL MORTGAGE, INC (MA):
• Refinancing originated for $204,000

AMERISAVE MORTGAGE CORPORATION (GA):
• Refinancing originated for $395,000

PREMIER MORTGAGE FUNDING, INC. (FL):
• Refinancing Originated for $136,000

PHH MORTGAGE CORPORATION (NJ):
• 2 Conventional Home Purchase Loans Originated for an average of $149,000

WEICHERT FINANCIAL SERVICES (NJ):
• 2 Conventional Home Purchase Loans Originated for an average of $265,000

THE LENDING CONNECTION, INC (CA):
• Refinancing denied for $130,000

HFC (IL):
• Refinancing Denied for $52,000
• Refinancing withdrawn for $156,000

MORGAN STANLEY CREDIT CORPORAT (IL):
• Refinancing originated for $100,000

GUARANTEED RATE INC (IL):
• Conventional Home Purchase Loan withdrawn for $408,000

MORTGAGE INVESTORS CORPORATION (FL):
• Refinancing originated for $127,000

AEGIS WHOLESALE CORPORATION (TX):
• 4 Denied loans: 2 Refinancings for an average of $37,500, 2 Loans On Manufactured Home Dwelling for an average of $37,500

GMAC MORTGAGE LLC (PA):
• 3 Originated: 2 Refinancings for an average of $82,000, 1 Non-occupant Loan on < 5 Family Dwelling for $65,000
• 3 Approved loans but not accepted: 1 Refinancing for $85,000, 1 Home Improvement for $25,000, 1 Non-occupant Loan on < 5 Family Dwelling for $85,000
• 2 Files closed for incompleteness: 1 Refinancing for $116,000, 1 Home Improvement for $15,000

HOMEOWNERS MORTGAGE ENT. (SC):
• 2 Loans originated: 1 Conventional Home Purchase Loan for $149,000, 1 Refinancing for $94,000

VANDERBILT MORTGAGE (TN):
• 6 Loans originated: 3 Conventional Home Purchase for an average of $86,333, 3 Loans On Manufactured Home Dwelling for an average of $86,333
• 4 Approved loans but not accepted: 2 Conventional Home Purchase Loans for an average of $34,000, 2 Loans On Manufactured Home Dwelling for an average of $34,000
• 14 Loans denied: 1 FHA, FSA/RHS & VA Home Purchase Loan for $35,000, 6 Conventional Home Purchase for an average of $31,833, 7 Loans On Manufactured Home Dwelling for an average of $32,286

BENEFICIAL (IL):
• Refinancing denied for $130,000
• 4 Refinancings Withdrawn for an average of $154,750

DECISION ONE MORTGAGE (NC):
• 2 Loans originated: 1 Conventional Home Purchase Loan for $132,000, 1 Refinancing for $157,000

CTX MORTGAGE COMPANY, LLC (TX):
• Refinancing originated for $120,000

EQUITY SERVICES, INC. (NC):
• Conventional Home Purchase Loan Originated for $122,000

MYERS PARK MORTGAGE INC. (NC):
• 5 Loans originated: 3 Conventional Home Purchase Loans for an average of $161,667, 2 Non-occupant Loans on < 5 Family Dwellings for an average of $150,000

CAROLINA FARM CREDIT, ACA (NC):
• Refinancing Denied for $320,000
• Refinancing withdrawn for $320,000

AMERITRUST MORTGAGE COMPANY LL (NC):
• Conventional Home Purchase Loan Originated for $142,000

CHOICE CAPITAL FUNDING INC. (GA):
• Conventional Home Purchase Loan withdrawn for $33,000

PEOPLES HOME EQUITY (TN):
• FHA, FSA/RHS & VA Home Purchase Loan originated for $218,000

CMCF, INC (NC):
• FHA, FSA/RHS & VA Home Purchase Loan Originated for $125,000

DELTA FUNDING CORPORATION (NY):
• 2 Refinancings approved, not accepted for an average of $147,500
• 5 Refinancings denied for an average of $130,600

NATIONWIDE ADVANTAGE MORTGAGE (IA):
• Refinancing originated for $163,000

21ST MORTGAGE CORPORATION (TN):
• 2 Refinancings Originated for an average of $44,500
• 2 Denied loans: 1 Conventional Home Purchase Loan for $60,000, 1 Refinancing for $126,000

SHORE MORTGAGE (MI):
• 4 Loans originated: 1 FHA, FSA/RHS & VA Home Purchase Loan for $115,000, 1 Refinancing for $88,000, 2 Loans On Manufactured Home Dwelling for an average of $101,500

ACCREDITED HOME LENDERS, INC (CA):
• 2 Refinancings denied for an average of $141,000

CENTRAL PACFIC MORTGAGE (CA):
• Refinancing originated for $103,000

QUICKEN LOANS (MI):
• Refinancing Approved , not accepted for $142,000
• Refinancing withdrawn for $90,000

NATIONWIDE MORTGAGE CONCEPTS (GA):
• Refinancing Withdrawn for $164,000

COASTAL MORTGAGE SERVICES, INC (NC):
• Refinancing originated for $173,000

SUPERIOR MORTGAGE CORP (NJ):
• 3 Refinancings Originated for an average of $123,000

FLICK MORTGAGE INVESTORS INC (FL):
• Refinancing originated for $100,000

IMPAC FUNDING CORP (CA):
• 2 Conventional Home Purchase Loans Originated for an average of $188,000

PERFORMANCE CREDIT CORPORATION (CA):
• Refinancing Withdrawn for $80,000

CUNNINGHAM & COMPANY (NC):
• 23 Originated: 14 Conventional Home Purchase for an average of $190,286, 6 Refinancings for an average of $181,000, 3 Non-occupant Loans on < 5 Family Dwellings for an average of $181,333
• 4 Withdrawn: 2 Conventional Home Purchase for an average of $241,000, 2 Refinancings for an average of $330,000

ALLIED HOME MORTGAGE CORP. (TX):
• Conventional Home Purchase Loan originated for $125,000

TAYLOR, BEAN & WHITAKER (FL):
• 4 Loans originated: 1 FHA, FSA/RHS & VA Home Purchase Loan for $181,000, 1 Conventional Home Purchase for $90,000, 2 Refinancings for an average of $178,500

NATIONSTAR MORTGAGE LLC (TX):
• Refinancing originated for $109,000
• Refinancing denied for $115,000
• 2 Refinancings Withdrawn for an average of $112,000

OAKWOOD ACCEPTANCE CORPORATION (NC):
• 2 Conventional Home Purchase Loans Approved , not accepted for an average of $52,500
• Conventional Home Purchase Loan Denied for $33,000

FREEDOM MORTGAGE CORP. (NJ):
• Refinancing originated for $66,000

FIRST GUARANTY MORTGAGE COPR (VA):
• Refinancing closed for incompleteness for $280,000

UNITED MORTGAGE CORP (NY):
• Refinancing Withdrawn for $86,000

PRINCIPAL RESIDENTIAL MORTGAGE (IA):
• 3 Refinancings originated for an average of $174,667

H&R BLOCK MORTGAGE CORPORATION (CA):
• 2 Originated: 1 Refinancing for $107,000, 1 Non-occupant Loan on < 5 Family Dwelling for $107,000

FAIRWAY INDP MORTGAGE CORP (WI):
• Refinancing Originated for $185,000

OPTION ONE MORTGAGE CORP (CA):
• 4 Loans originated: 3 Refinancings for an average of $139,667, 1 Non-occupant Loan on < 5 Family Dwelling for $69,000
• 2 Refinancings Denied for an average of $90,500

SIRVA MORTGAGE, INC. (OH):
• Conventional Home Purchase Loan originated for $250,000

SECURITY ATLANTIC WHOLESALE (NJ):
• Refinancing Closed for incompleteness for $240,000

AME FINANCIAL (GA):
• Conventional Home Purchase Loan originated for $150,000

AME FINANCIAL CORPORATION (GA):
• 3 Conventional Home Purchase Loans originated for an average of $156,667
• 2 Refinancings withdrawn for an average of $539,000

SECURITYNATIONAL MORTGAGE (UT):
• FHA, FSA/RHS & VA Home Purchase Loan Originated for $132,000

AMERISOUTH MORTGAGE COMPANY (NC):
• 2 Conventional Home Purchase Loans Originated for an average of $114,500

AMERICAN HOME MORTGAGE CORP. (NY):
• 2 Originated: 1 Refinancing for $298,000, 1 Non-occupant Loan on < 5 Family Dwelling for $298,000

AMERICAN EQUITY MORTGAGE, INC. (MO):
• Refinancing originated for $210,000

AMERIQUEST MORTGAGE COMPANY (CA):
• Refinancing Denied for $112,000
• Refinancing withdrawn for $255,000
• 2 Refinancings closed for incompleteness for an average of $225,500

BAYROCK MORTGAGE CORPORATION (GA):
• Refinancing Denied for $1,158,000

FRANKLIN AMERICAN MORTGAGE CO (TN):
• 2 Loans originated: 1 Conventional for $268,000, 1 Refinancing for $375,000
• Refinancing denied for $50,000

PROVIDENT FUNDING ASSOCIATES (CA):
• Refinancing originated for $113,000

FM LENDING SERVICES, LLC (NC):
• 2 Originated: 1 Conventional for $360,000, 1 Non-occupant Loan on < 5 Family Dwelling for $360,000

FIRST GREENSBORO HOME EQUITY (NC):
• Refinancing Originated for $169,000
• Refinancing Approved - not accepted for $97,000

NEW CENTURY MORTGAGE CORPORATI (CA):
• 3 Denied loans: 1 Conventional Home Purchase Loan for $163,000, 1 Refinancing for $187,000, 1 Non-occupant Loan on < 5 Family Dwelling for $163,000

HOMECOMINGS FINANCIAL LLC (MN):
• 10 Loans originated: 7 Conventional for an average of $107,714, 3 Refinancings for an average of $148,000
• Conventional Home Purchase Loan approved but not accepted for $75,000

IFREEDOM DIRECT CORPORATION (UT):
• Refinancing Originated for $97,000

MORTGAGE CAPITAL ASSOCIATES, (CA):
• Refinancing withdrawn for $243,000

SAXON MORTGAGE (VA):
• Refinancing withdrawn for $389,000

FIRST MAGNUS FINANCIAL CORP (AZ):
• 2 Refinancings Originated for an average of $133,000

BRADFORD MORTGAGE COMPANY (NC):
• Conventional Home Purchase Loan originated for $417,000

AAMES FUNDING CORPORATION (CA):
• Refinancing Denied for $135,000

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