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Home Mortgage Disclosure Act and Private Mortgage Insurance Companies Statistics for Southwest Twin Lakes, Zip Code 95062, Santa Cruz County, California (CA), Tract 1215.00

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    Home Mortgage Disclosure Act Aggregated Statistics

    • 2825 Originated: 4 FHA, FSA/RHS & VA for an average of $328,000, 689 Conventional for an average of $371,509, 1385 Refinancings for an average of $342,308, 75 Home Improvement Loans for an average of $262,387, 26 Dwellings For 5+ Families for an average of $1,438,423, 606 Non-occupant Loans on < 5 Family Dwellings for an average of $413,371, 40 Loans On Manufactured Home Dwelling for an average of $131,875
    • 359 Approved applications - not accepted: 1 FHA, FSA/RHS & VA for $743,000, 83 Conventional for an average of $321,639, 192 Refinancings for an average of $338,453, 11 Home Improvement Loans for an average of $99,000, 1 Loan on Dwelling For 5+ Families for $350,000, 61 Non-occupant Loans on < 5 Family Dwellings for an average of $399,820, 10 Loans On Manufactured Home Dwelling for an average of $160,300
    • 682 Denied: 1 FHA, FSA/RHS & VA for $276,000, 169 Conventional Home Purchase for an average of $403,041, 343 Refinancings for an average of $390,137, 20 Home Improvement Loans for an average of $131,400, 2 Dwellings For 5+ Families for an average of $434,500, 120 Non-occupant Loans on < 5 Family Dwellings for an average of $468,092, 27 Loans On Manufactured Home Dwelling for an average of $145,667
    • 375 Withdrawn applications: 86 Conventional for an average of $428,500, 181 Refinancings for an average of $333,619, 22 Home Improvement Loans for an average of $242,182, 3 Loans on Dwellings For 5+ Families for an average of $681,667, 68 Non-occupant Loans on < 5 Family Dwellings for an average of $364,353, 15 Loans On Manufactured Home Dwelling for an average of $138,733
    • 86 Closed for incompleteness: 19 Conventional for an average of $273,368, 49 Refinancings for an average of $277,449, 5 Home Improvement Loans for an average of $45,000, 4 Loans on Dwellings For 5+ Families for an average of $2,932,250, 8 Non-occupant Loans on < 5 Family Dwellings for an average of $309,125, 1 Loan On Manufactured Home Dwelling for $68,000

    Compared to the state average:

    • The number of loans originated per 1000 residents (558) is comparable to CA average (566). The average loan value for this tract ($369,641) is above the state average ($267,254).
    • The number of loans not accepted per 1000 residents (71) is below CA average (99). The average loan value for this tract ($333,852) is above the state average ($260,545).
    • The number of loans denied per 1000 residents (135) is below CA average (195). The average loan value for this tract ($389,748) is above the state average ($255,164).
    • The number of loans withdrawn per 1000 residents (74) is significantly below CA average (124). The average loan value for this tract ($350,576) is above the state average ($255,431).
    • The number of loans closed per 1000 residents (17) is significantly below CA average (34). The average loan value for this tract ($387,023) is above the state average ($270,003).

    HMDA - Loans Count

    HMDA - Average Loan Value ($)


    Private Mortgage Insurance Companies Aggregated Statistics

    • 34 Loans originated: 23 Conventional Home Purchase Loans for an average of $300,087, 7 Refinancings for an average of $369,429, 4 Non-occupant Loans on < 5 Family Dwellings (A & B) for an average of $362,250
    • 17 Approved applications but not accepted: 11 Conventional for an average of $408,182, 2 Refinancings for an average of $224,500, 4 Non-occupant Loans on < 5 Family Dwellings (A & B) for an average of $441,500
    • 10 Loans denied: 5 Conventional for an average of $375,600, 2 Refinancings for an average of $782,000, 3 Non-occupant Loans on < 5 Family Dwellings (A & B) for an average of $569,000
    • 4 Withdrawn applications: 1 Conventional Home Purchase Loan for $220,000, 2 Refinancings for an average of $383,500, 1 Non-occupant Loan on < 5 Family Dwelling (A & B) for $220,000

    PMIC - Loans Count

    PMIC - Average Loan Value ($)


    Private Mortgage Insurance Companies Disclosure Statistics

      Radian Guaranty:
    • Conventional Home Purchase Loan Originated for $197,000
      Genworth Financial:
    • Conventional Home Purchase Loan Originated for $238,000
    • 2 Conventional Home Purchase Loans Applications denied for an average of $287,500
      Mortgage Guaranty Insurance:
    • 3 Conventional Home Purchase Loans Originated for an average of $258,000
    • Conventional Home Purchase Loan Withdrawn applications for $220,000
      PMI Mortgage Insurance:
    • 2 Conventional Home Purchase Loans Originated for an average of $174,000
    • Conventional Home Purchase Loan Denied for $585,000
      Republic Mortgage Insurance:
    • Conventional Home Purchase Loan Originated for $374,000
      United Guaranty Corporation:
    • Conventional Home Purchase Loan Approved applications, not accepted for $585,000
      Triad Guaranty Insurance:
    • Refinancing Originated for $237,000


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