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Home Mortgage Disclosure Act and Private Mortgage Insurance Companies Statistics for Northwest San Jose, Zip Code 95127, Santa Clara County, California (CA), Tract 5040.01

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    Home Mortgage Disclosure Act Aggregated Statistics

    • 1871 Loans originated: 25 FHA, FSA/RHS & VA Loans for an average of $256,880, 524 Conventional for an average of $292,927, 1077 Refinancings for an average of $306,598, 91 Home Improvement Loans for an average of $271,297, 9 Dwellings For 5+ Families for an average of $2,439,111, 144 Non-occupant Loans on < 5 Family Dwellings for an average of $280,903, 1 Loan On Manufactured Home Dwelling for $50,000
    • 426 Approved loans - not accepted: 3 FHA, FSA/RHS & VA for an average of $220,000, 108 Conventional for an average of $275,167, 260 Refinancings for an average of $307,650, 21 Home Improvement for an average of $223,476, 28 Non-occupant Loans on < 5 Family Dwellings for an average of $230,786, 6 Loans On Manufactured Home Dwelling for an average of $80,500
    • 881 Applications denied: 8 FHA, FSA/RHS & VA for an average of $275,375, 206 Conventional Home Purchase for an average of $305,845, 528 Refinancings for an average of $335,009, 71 Home Improvement Loans for an average of $199,324, 1 Loan on Dwelling For 5+ Families for $470,000, 63 Non-occupant Loans on < 5 Family Dwellings for an average of $314,413, 4 Loans On Manufactured Home Dwelling for an average of $93,750
    • 404 Applications withdrawn: 6 FHA, FSA/RHS & VA Loans for an average of $289,333, 85 Conventional Home Purchase for an average of $317,224, 263 Refinancings for an average of $306,559, 20 Home Improvement for an average of $218,250, 30 Non-occupant Loans on < 5 Family Dwellings for an average of $310,667
    • 128 Closed for incompleteness: 2 FHA, FSA/RHS & VA Loans for an average of $194,000, 20 Conventional Home Purchase for an average of $311,100, 95 Refinancings for an average of $340,895, 6 Home Improvement for an average of $207,500, 5 Non-occupant Loans on < 5 Family Dwellings for an average of $313,200

    Compared to the state average:

    • The number of loans originated per 1000 residents (318) is significantly below CA average (566). The average loan value for this tract ($308,531) is comparable to the state average ($267,254).
    • The number of loans not accepted per 1000 residents (72) is below CA average (99). The average loan value for this tract ($286,397) is comparable to the state average ($260,545).
    • The number of loans denied per 1000 residents (150) is below CA average (195). The average loan value for this tract ($314,299) is comparable to the state average ($255,164).
    • The number of loans withdrawn per 1000 residents (69) is significantly below CA average (124). The average loan value for this tract ($304,480) is comparable to the state average ($255,431).
    • The number of loans closed per 1000 residents (22) is significantly below CA average (34). The average loan value for this tract ($326,609) is comparable to the state average ($270,003).

    HMDA - Loans Count

    HMDA - Average Loan Value ($)


    Private Mortgage Insurance Companies Aggregated Statistics

    • 46 Originated: 24 Conventional for an average of $301,750, 20 Refinancings for an average of $372,350, 2 Non-occupant Loans on < 5 Family Dwellings (A & B) for an average of $350,000
    • 16 Approved loans but not accepted: 8 Conventional Home Purchase for an average of $296,750, 8 Refinancings for an average of $450,375
    • 4 Applications denied: 2 Conventional Home Purchase for an average of $383,500, 2 Non-occupant Loans on < 5 Family Dwellings (A & B) for an average of $383,500

    PMIC - Loans Count

    PMIC - Average Loan Value ($)


    Private Mortgage Insurance Companies Disclosure Statistics

      Radian Guaranty:
    • 3 Loans originated: 2 Conventional Home Purchase Loans for an average of $280,500, Refinancing for $336,000
      Genworth Financial:
    • Conventional Home Purchase Loan originated for $378,000
    • 2 Conventional Home Purchase Loans Approved applications but not accepted for an average of $171,000
      Mortgage Guaranty Insurance:
    • 4 Originated: Conventional Home Purchase Loan for $265,000, 3 Refinancings for an average of $259,000
    • Conventional Home Purchase Loan Applications denied for $378,000
      PMI Mortgage Insurance:
    • 2 Loans originated: Conventional Home Purchase Loan for $323,000, Refinancing for $347,000
      Republic Mortgage Insurance:
    • 2 Refinancings Originated for an average of $327,500
      United Guaranty Corporation:
    • 3 Originated: 2 Conventional Home Purchase Loans for an average of $302,000, Refinancing for $352,000
      Triad Guaranty Insurance:
    • Refinancing Approved - not accepted for $334,000


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