Estimated median household income in 2007: $122,570
| This zip code: | $122,570 | | Arizona: | $49,889 |
Nearest zip codes: 85048, 85041, 85339, 85044, 85040, 85007.
Phoenix Zip Code Map
Housing units in zip code 85045 with a mortgage: 1,392 (226 second mortgage, 169 home equity loan, 0 both second mortgage and home equity loan)
Houses without a mortgage: 35
Median monthly owner costs for units with a mortgage: $2,578
Median monthly owner costs for units without a mortgage: $558
Residents with income below the poverty level in 2007:
| This zip code: | 1.3% | | Whole state: | 14.2% |
Residents with income below 50% of the poverty level in 2007:
| This zip code: | 1.1% | | Whole state: | 6.6% |
Median number of rooms in houses and condos:
| Here: | 7.3 | | State: | 5.7 |
Median number of rooms in apartments:
| Here: | 6.5 | | State: | 3.7 |
Year house built: |
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- 1999 to March 2000: 458
- 1995 to 1998: 765
- 1990 to 1994: 348
- 1980 to 1989: 0
- 1970 to 1979: 6
- 1960 to 1969: 0
- 1950 to 1959: 0
- 1940 to 1949: 0
- 1939 or earlier: 0
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Bedrooms in owner-occupied houses in Phoenix, AZ (85045): |
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- no bedroom: 0
- 1 bedrooms: 4
- 2 bedrooms: 59
- 3 bedrooms: 547
- 4 bedrooms: 599
- 5 or more bedrooms: 254
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Bedrooms in renter-occupied apartments and housing units: |
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- no bedroom: 0
- 1 bedrooms: 0
- 2 bedrooms: 3
- 3 bedrooms: 38
- 4 bedrooms: 7
- 5 or more bedrooms: 8
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Vehicles available in 85045 zip code in owner-occupied houses/condos: |
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- no vehicle: 15
- 1 vehicle: 223
- 2 vehicles: 980
- 3 vehicles: 238
- 4 vehicles: 0
- 5 or more vehicles: 7
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Vehicles available in renter-occupied apartments: |
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- no vehicle: 0
- 1 vehicle: 22
- 2 vehicles: 6
- 3 vehicles: 21
- 4 vehicles: 7
- 5 or more vehicles: 0
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Estimated household income distribution in 2007:

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Estimate of home value of owner-occupied houses/condos in 2007 in zip code 85045:
- $50,000 to $59,999: 1
- $60,000 to $69,999: 4
- $200,000 to $249,999: 3
- $250,000 to $299,999: 15
- $300,000 to $399,999: 146
- $400,000 to $499,999: 333
- $500,000 to $749,999: 683
- $750,000 to $999,999: 306
- $1,000,000 or more: 86
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Rent paid by renters in 2007 in zip code 85045:
- $800 to $899: 10
- $900 to $999: 35
- $1,000 to $1,249: 36
- $1,250 to $1,499: 78
- $1,500 to $1,999: 22
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Median price asked for vacant for-sale houses and condos in 2007: $445,262.
Estimated median house (or condo) value in 2007 for: - White Non-Hispanic householders: $569,023
- Black or African American householders: $653,835
- American Indian or Alaska Native householders: $259,275
- Asian householders: $539,062
- Some other race householders: $742,565
- Two or more races householders: $528,231
- Hispanic or Latino householders: $640,238
Estimated median house or condo value in 2007: $575,938 (it was $249,900 in 2000)
| 85045: | $575,938 | | Arizona: | $237,700 |
Lower value quartile - upper value quartile: $182,700 - $385,300
Mean price in 2007:
Detached houses: $619,876| Here: | $619,876 | | State: | $341,391 |
Mobile homes: $187,500| Here: | $187,500 | | State: | $51,746 |
Breakdown of mean house values by ages of householders
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Housing units in structures:
- One, detached: 1,574
- Mobile homes: 3

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Means of transportation to work
- Drove a car alone: 1,975 (81%)
- Carpooled: 241 (10%)
- Bus or trolley bus: 9 (0%)
- Railroad: 4 (0%)
- Motorcycle: 16 (1%)
- Walked: 6 (0%)
- Other means: 13 (1%)
- Worked at home: 183 (7%)
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Travel time to work
- Less than 5 minutes: 20
- 5 to 9 minutes: 58
- 10 to 14 minutes: 136
- 15 to 19 minutes: 127
- 20 to 24 minutes: 365
- 25 to 29 minutes: 195
- 30 to 34 minutes: 520
- 35 to 39 minutes: 153
- 40 to 44 minutes: 139
- 45 to 59 minutes: 374
- 60 to 89 minutes: 137
- 90 or more minutes: 40
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Percentage of zip code residents living and working in this county: 96.5%
Household type by relationship
Households: 4,543
- In family households: 4,136 (1,082 male householders, 183 female householders)
1,150 spouses, 1,545 children (1,388 natural, 51 adopted, 106 stepchildren), 8 grandchildren, 27 brothers or sisters, 49 parents, 36 other relatives, 56 non-relatives
- In nonfamily households: 407 (156 male householders (84 living alone)), 105 female householders (64 living alone)), 146 nonrelatives
Size of family households: 421 2-persons, 275 3-persons, 375 4-persons, 148 5-persons, 37 6-persons, 9 7-or-more-persons.
Size of nonfamily households: 148 1-person, 95 2-persons, 18 3-persons.
1,352 married couples with children.
112 single-parent households (33 men, 79 women).
87.0% of residents of 85045 zip code speak English at home.
3.5% of residents speak Spanish at home (89% very well, 11% well).
5.2% of residents speak other Indo-European language at home (98% very well, 2% well).
3.7% of residents speak Asian or Pacific Island language at home (63% very well, 22% well, 5% not well, 10% not at all).
0.5% of residents speak other language at home (100% very well).
Foreign born population: 442 (9.7%)
(50.5% of them are naturalized citizens)
| This zip code: | 9.7% | | Whole state: | 12.8% |
Most common places of birth for the foreign-born residents:
- Iran (11%)
- Taiwan (11%)
- China, excluding Hong Kong and Taiwan (8%)
- Poland (7%)
- Philippines (7%)
- Italy (6%)
- Canada (5%)
Year of entry for the foreign-born population |
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- 1995 to March 2000: 50
- 1990 to 1994: 43
- 1985 to 1989: 115
- 1980 to 1984: 92
- 1975 to 1979: 56
- 1970 to 1974: 14
- 1970 to 1974: 32
- 1965 to 1969: 40
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White population: 3,971
Black population: 171
American Indian population: 28
Asian population: 244
Native Hawaiian and Other Pacific Islander population: 0
Some other race population: 46
Two or more races population: 98

First ancestries reported:
|  Other groups: 873 |
|  German: 653 |
|  Irish: 419 |
|  Italian: 417 |
|  English: 207 |
|  Polish: 175 |
|  United States or American: 141 |
|  Norwegian: 94 |
|  European: 85 |
|  Swedish: 80 |
|  Iranian: 73 |
|  French (except Basque): 73 |
|  West Indian (excluding Hispanic groups):: 61 |
|  Dutch: 50 |
|  Danish: 47 |
|  British: 42 |
|  Belgian: 36 |
|  Scottish: 29 |
|  Arab:: 28 |
|  Russian: 27 |
|  Lithuanian: 25 |
|  Subsaharan African:: 24 |
|  Welsh: 23 |
|  Jamaican: 23 |
|  Haitian: 20 |
|  Barbadian: 18 |
|  Scotch-Irish: 16 |
|  Lebanese: 16 |
|  Czech: 15 |
|  Hungarian: 15 |
|  Canadian: 13 |
|  Slovene: 12 |
|  French Canadian: 12 |
|  African: 11 |
|  Armenian: 10 |
|  Slovak: 9 |
|  Albanian: 8 |
|  Nigerian: 8 |
|  Ukrainian: 7 |
|  Israeli: 7 |
|  Portuguese: 7 |
|  Yugoslavian: 7 |
|  Croatian: 6 |
|  Syrian: 6 |
|  Egyptian: 6 |
|  Latvian: 6 |
|  Finnish: 5 |
|  Ugandan: 5 |
Median worth of mobile homes: $182,651
Most commonly used house heating fuel: |
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- Utility gas (56%)
- Electricity (43%)
- Bottled, tank, or LP gas (1%)
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Place of birth for U.S.-born residents:
- This state: 837
- Northeast: 609
- Midwest: 1078
- South: 545
- West: 964
18% of the 85045 zip code residents lived in the same house 5 years ago.
Out of people who lived in different houses, 40% lived in this county.
Out of people who lived in different counties, 5% lived in Arizona.
Year Householders Moved Into Unit:
Private vs. public school enrollment:
Students in private schools in grades 1 to 8 (elementary and middle school): 61
| Here: | 9.4% | | Arizona: | 6.1% |
Students in private schools in grades 9 to 12 (high school): 9
| Here: | 4.2% | | Arizona: | 6.1% |
Students in private undergraduate colleges: 27
| Here: | 15.9% | | Arizona: | 13.2% |
School Enrollment by Level of School
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Companies with federal contracts located in this zip code:
- TISCHLER, MICHAEL (1401 W SALTSAGE DR in PHOENIX, AZ; small business): $279,982 in 4 contracts in 2002
$69,997 with Air Force for Other Defense -- Management and Support (R&D). Signed on 2002-05-30. Completion date: 2002-12-07.
$69,997 with Army for Defense Missile and Space Systems -- Advanced Development (R&D). Signed on 2002-08-23. Completion date: 2003-02-23.
$69,997 with Air Force for Other Research and Development -- Management and Support (R&D). Signed on 2002-04-30. Completion date: 2002-11-15.
$69,991 with Army for Defense Missile and Space Systems -- Advanced Development (R&D). Signed on 2002-04-29. Completion date: 2002-10-29.
Top industries in this zip code by the number of employees in 2005:
- Finance and Insurance: Mortgage and Nonmortgage Loan Brokers (50-99 employees: 1 establishment)
- Administrative and Support and Waste Management and Remediation Services: Telemarketing Bureaus (50-99: 1)
- Accommodation and Food Services: Full-Service Restaurants (20-49: 1)
- Professional, Scientific, and Technical Services: Computer Systems Design Services (10-19: 1, 1-4: 4)
- Accommodation and Food Services: Limited-Service Restaurants (10-19: 1, 1-4: 2)
- Administrative and Support and Waste Management and Remediation Services: Landscaping Services (5-9: 1, 1-4: 2)
- Construction: Highway, Street, and Bridge Construction (5-9: 1)
Age and Sex of Sensory-Disabled Residents (Noninstitutionalized)
Age and Sex of Physically-Disabled Residents (Noninstitutionalized)
Age and Sex of Mentally-Disabled Residents (Noninstitutionalized)
Age and Sex of Self-Care Disabled Residents (Noninstitutionalized)
Age and Sex of Go-Outside-Home Disabled Residents (Noninstitutionalized)
Age and Sex of Residents with Employment Disability (Noninst.)
Fatal accident statistics in 2006
- Fatal accident count: 1
- Vehicles involved in fatal accidents: 1
- Fatal accidents caused by drunken drivers: 0
- Fatalities: 2
- Persons involved in fatal accidents: 2
- Pedestrians involved in fatal accidents: 0
Home Mortgage Disclosure Act Aggregated Statistics For Year 2007 (Based on 4 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 3 | $209,183 | 428 | $317,413 | 356 | $305,382 | 30 | $136,283 | 94 | $280,804 | 0 | $0 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 97 | $319,330 | 78 | $369,087 | 11 | $32,446 | 11 | $313,218 | 2 | $84,220 |
| APPLICATIONS DENIED | 0 | $0 | 56 | $362,505 | 104 | $370,054 | 42 | $242,812 | 24 | $390,965 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 52 | $382,947 | 82 | $305,457 | 6 | $153,722 | 8 | $213,835 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 9 | $384,302 | 20 | $346,174 | 4 | $289,163 | 1 | $352,810 | 0 | $0 |
Aggregated Statistics For Year 2006 (Based on 4 partial tracts)
|
| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 2 | $320,045 | 640 | $322,846 | 504 | $321,598 | 55 | $154,557 | 83 | $276,121 | 0 | $0 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 161 | $356,007 | 64 | $341,673 | 13 | $203,718 | 17 | $256,849 | 0 | $0 |
| APPLICATIONS DENIED | 2 | $241,435 | 129 | $325,284 | 138 | $391,636 | 37 | $109,106 | 18 | $274,240 | 2 | $111,360 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 87 | $339,513 | 116 | $303,695 | 15 | $105,933 | 20 | $299,037 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 20 | $330,234 | 24 | $324,403 | 3 | $78,023 | 4 | $301,958 | 0 | $0 |
Aggregated Statistics For Year 2005 (Based on 4 partial tracts)
|
| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 4 | $297,585 | 815 | $284,012 | 724 | $292,937 | 66 | $149,182 | 173 | $237,420 | 2 | $23,395 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 65 | $291,568 | 75 | $230,806 | 11 | $57,322 | 10 | $197,298 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 146 | $273,462 | 172 | $308,428 | 42 | $123,467 | 17 | $186,378 | 1 | $77,510 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 94 | $306,656 | 111 | $255,159 | 9 | $190,359 | 11 | $165,722 | 3 | $105,690 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 18 | $309,901 | 57 | $254,084 | 3 | $143,683 | 3 | $179,077 | 0 | $0 |
Aggregated Statistics For Year 2004 (Based on 4 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 6 | $237,883 | 738 | $216,561 | 486 | $222,552 | 21 | $44,573 | 109 | $194,541 | 0 | $0 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 66 | $243,000 | 70 | $165,701 | 21 | $26,137 | 7 | $192,879 | 2 | $32,755 |
| APPLICATIONS DENIED | 0 | $0 | 102 | $199,855 | 141 | $227,786 | 46 | $38,762 | 17 | $173,780 | 1 | $34,750 |
| APPLICATIONS WITHDRAWN | 1 | $195,110 | 95 | $208,992 | 90 | $228,358 | 6 | $68,790 | 8 | $194,741 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 6 | $229,667 | 54 | $226,730 | 4 | $59,353 | 1 | $157,700 | 0 | $0 |
Aggregated Statistics For Year 2003 (Based on 4 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 10 | $230,965 | 530 | $207,773 | 1,117 | $196,315 | 28 | $39,615 | 80 | $170,996 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 3 | $136,433 | 24 | $203,771 | 117 | $190,371 | 8 | $57,770 | 3 | $110,187 |
| APPLICATIONS DENIED | 1 | $106,240 | 32 | $186,556 | 175 | $203,672 | 25 | $53,211 | 22 | $176,352 |
| APPLICATIONS WITHDRAWN | 6 | $215,627 | 55 | $201,421 | 174 | $207,143 | 5 | $40,580 | 12 | $140,147 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 5 | $284,776 | 23 | $169,986 | 4 | $32,585 | 0 | $0 |
Aggregated Statistics For Year 1999 (Based on 1 partial tract)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 28 | $145,722 | 380 | $168,223 | 256 | $138,941 | 53 | $25,186 | 34 | $122,949 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $115,660 | 29 | $183,921 | 46 | $126,519 | 14 | $30,706 | 4 | $104,198 |
| APPLICATIONS DENIED | 3 | $130,947 | 33 | $155,015 | 75 | $117,730 | 22 | $26,307 | 3 | $106,700 |
| APPLICATIONS WITHDRAWN | 4 | $136,500 | 41 | $184,164 | 45 | $131,956 | 6 | $44,878 | 4 | $135,935 |
| FILES CLOSED FOR INCOMPLETENESS | 1 | $82,450 | 6 | $190,923 | 18 | $143,609 | 2 | $29,255 | 1 | $116,340 |
Detailed HMDA statistics for the following Tracts:
1167.26
, 1167.27
Private Mortgage Insurance Companies Aggregated Statistics For Year 2007 (Based on 4 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 51 | $350,902 | 15 | $338,511 | 0 | $0 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 13 | $332,354 | 8 | $364,646 | 3 | $341,423 |
| APPLICATIONS DENIED | 2 | $614,820 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 2 | $250,795 | 4 | $358,413 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2006 (Based on 4 partial tracts)
|
| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 13 | $504,324 | 13 | $406,782 | 2 | $532,470 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 3 | $314,400 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 2 | $538,085 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2005 (Based on 4 partial tracts)
|
| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 39 | $272,584 | 24 | $312,235 | 11 | $272,326 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 32 | $250,443 | 1 | $467,070 | 6 | $270,550 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 3 | $238,507 | 2 | $278,870 | 3 | $191,733 |
| FILES CLOSED FOR INCOMPLETENESS | 2 | $282,610 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2004 (Based on 4 partial tracts)
|
| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) | D) Loans On Manufactured Home Dwelling (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 106 | $268,051 | 45 | $231,068 | 9 | $220,893 | 1 | $231,870 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 105 | $269,889 | 11 | $214,083 | 3 | $237,853 | 0 | $0 |
| APPLICATIONS DENIED | 4 | $207,280 | 0 | $0 | 2 | $209,620 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 9 | $281,780 | 4 | $200,260 | 2 | $139,435 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 17 | $265,327 | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2003 (Based on 4 partial tracts)
|
| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 121 | $226,435 | 111 | $192,842 | 13 | $201,602 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 44 | $254,657 | 31 | $205,853 | 6 | $179,072 |
| APPLICATIONS DENIED | 0 | $0 | 2 | $211,150 | 1 | $108,250 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 11 | $209,279 | 2 | $233,015 |
| FILES CLOSED FOR INCOMPLETENESS | 1 | $352,810 | 1 | $306,700 | 1 | $106,240 |
Aggregated Statistics For Year 1999 (Based on 1 partial tract)
|
| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 163 | $173,982 | 38 | $166,441 | 10 | $145,931 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 12 | $182,885 | 13 | $171,458 | 1 | $147,290 |
| APPLICATIONS DENIED | 5 | $178,416 | 2 | $183,770 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 3 | $205,643 | 2 | $165,135 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 2 | $162,195 | 1 | $188,630 | 0 | $0 |
Detailed PMIC statistics for the following Tracts:
1167.26
, 1167.27
Conventional Home Purchase Loans
Conventional Home Purchase Loans - Value
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