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Residential Finance Survey - Detailed Regional Tables: 2001

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Residential Finance Survey: 2001 - United States
Table 5-3a. Mortgage Insurance Status, Rental and Vacant 2- to 4-Housing-Unit Mortgaged Properties
^Number of mortgaged properties in thousands.
For information on confidentiality protection, sampling error, non-sampling error, and definitions, see text.
For minimum base of derived figures (percent, median, etc.) and meaning of symbols, see text.
@4Includes first mortgages that are insured by state and local governments with or without FHA insurance, VA, or Rural Housing Service/Rural Development guarantees.
Monthly Rental Receipts Per Housing Unit, Rental Receipts as Percent of Value, Rental Vacancy Losses as Percent of Potential Receipts, Interest and Principal Payments on First Mortgage as Percent of Rental Receipts and Real Estate Tax as Percent of Rental Receipts acquired before 2000 exclude properties with less than half of units in rental market during all of year preceding survey and cooperatively owned apartments^^

Properties with government-insured
or guaranteed first mortgage
Total
mortgaged
properties		 FHA
first mortgage		 VA
first mortgage		 Rural Housing Service-
Rural Development
first mortgage		 Other
insured or guaranteed
properties@4		 Properties with
privately-insured
first mortgage		 Not insured

2- to 4-housing-unit properties
with traditional first mortgage		 1118 84 22 21 27 91 873

PROPERTY CHARACTERISTICS


Property Location by Geographic Area

Inside MAs		 933 70 20 21 19 74 729
In central cities 506 43 12 19 7 33 391
Not in central cities 427 27 8 3 12 41 338
Outside MAs 185 14 2 0 8 17 144

Number of Housing Units

2 housing units		 779 55 18 19 17 63 607
3 housing units 152 16 2 0 7 14 113
4 housing units 187 13 3 2 3 14 152

Manner of Acquisition

By purchase		 1065 81 22 21 27 79 834
Placed one new mortgage 927 61 19 8 25 74 741
Placed two or more new mortgages 58 9 0 7 0 2 40
Assumed mortgage(s) already on property 53 8 1 3 2 0 39
Assumed mortgage(s) already on property
and placed new mortgage		 14 3 2 0 0 0 9
Borrowed using assets other than this
property as collateral		 4 0 0 0 0 3 1
Paid all cash-no borrowing 5 0 0 1 0 0 5
Other manner 3 0 0 3 0 0 0
By inheritance or gift 19 0 0 0 0 7 12
By divorce 0 0 0 0 0 0 0
By tax free exchange of
other property		 10 0 0 0 0 3 7
By foreclosure or assignment 3 3 0 0 0 0 0
By some other manner 3 0 0 0 0 0 3
Not reported 19 0 0 0 0 2 17

Source of Downpayment@1

Properties purchased
1995 to 2001 (part)		 538 41 12 9 9 45 423
Sale of stock or other partnership
shares for this project		 23 0 0 0 0 3 21
Sale of previously owned stocks,
shares, or other securities		 37 0 2 0 0 1 33
Sale of land or other real estate 48 3 0 0 0 4 42
Owner's cash, bank deposits,
share accounts, or bonds		 303 20 12 3 6 37 226
Borrowing from a retirement plan 8 0 0 0 0 3 5
Borrowing using assets other than this
property as collateral		 56 0 2 0 0 2 51
Proceeds from an insurance policy 0 0 0 0 0 0 0
From a state or local government source 7 4 3 0 0 0 0
From a non-profit organization 4 0 0 0 0 0 4
Proceeds from sale of tax credits 0 0 0 0 0 0 0
From parents or relatives 16 0 3 0 3 0 9
Other cash source 20 0 2 0 0 0 18
Non-cash source 4 0 0 0 0 0 4
No downpayment required 52 12 0 0 0 2 37
Not reported 25 5 0 5 0 1 14
Other properties 571 44 11 13 18 44 442
Not reported 9 0 0 0 0 2 7

Year Property Acquired

1999 to 2001 (part)		 287 25 6 5 0 28 224
1997 and 1998 150 15 3 0 0 18 115
1995 and 1996 130 4 3 3 9 9 101
1990 to 1994 198 14 1 4 0 16 163
1985 to 1989 166 17 3 0 2 7 137
1980 to 1984 83 4 2 3 5 7 62
1975 to 1979 57 4 0 5 8 6 34
1970 to 1974 32 2 4 0 3 0 23
1969 or earlier 15 0 0 1 0 0 14

Building and Land Acquisition

Acquired at same time		 1011 83 22 19 16 89 783
Not acquired at same time 70 1 0 3 8 2 57
Land not owned by building owner 3 0 0 0 0 0 3
Not reported 34 0 0 0 4 0 30

Property New or Previously Owned When
Acquired

Acquired by purchase		 1065 81 22 21 27 79 834
New 129 12 2 3 11 3 98
Previously owned 907 68 17 19 16 76 713
As residential property 861 64 17 19 16 72 674
Converted from nonresidential use 46 4 0 0 0 4 38
Other 9 0 0 0 0 0 9
Not reported 20 2 3 0 0 0 15
Other properties 35 3 0 0 0 10 22
Not reported 19 0 0 0 0 2 17

Year Structure Built

1999 to March 2000		 19 5 0 0 0 2 12
1997 and 1998 17 0 0 0 0 3 14
1995 and 1996 22 0 0 0 4 0 18
1990 to 1994 49 0 0 3 2 5 39
1980 to 1989 134 12 4 5 3 16 94
1970 to 1979 136 11 4 0 7 8 106
1960 to 1969 119 13 5 0 1 12 89
1950 to 1959 136 11 3 0 6 10 106
1940 to 1949 94 2 3 0 0 1 87
1939 or earlier 393 30 3 13 4 34 307

Purchase Price Per Housing Unit@8

Properties acquired by
purchase 1997 to 2001 (part)		 410 36 8 5 0 36 324
Less than $20,000 51 5 0 0 0 5 40
$20,000 to $39,999 141 12 3 0 0 22 104
$40,000 to $59,999 80 11 2 5 0 1 60
$60,000 to $79,999 66 0 3 0 0 2 61
$80,000 to $99,999 28 4 0 0 0 5 18
$100,000 to $124,999 18 0 0 0 0 1 17
$125,000 to $149,999 5 0 0 0 0 0 5
$150,000 to $174,999 6 1 0 0 0 0 4
$175,000 to $199,999 0 0 0 0 0 0 0
$200,000 to $249,999 4 0 0 0 0 0 4
$250,000 to $299,999 0 0 0 0 0 0 0
$300,000 to $499,999 6 0 0 0 0 0 6
$500,000 or more 7 1 0 0 0 0 5
Median 43423 40316 53739 50000 0 31638 46095
Mean 64889 64955 49527 59000 0 41744 67932
Other properties 708 48 14 16 27 55 548

Value

Less than $20,000		 3 0 0 0 0 0 3
$20,000 to $39,999 52 0 2 3 3 2 43
$40,000 to $59,999 87 7 6 3 3 3 65
$60,000 to $79,999 111 6 3 0 0 4 99
$80,000 to $99,999 106 13 1 0 0 12 79
$100,000 to $124,999 164 13 4 5 3 14 123
$125,000 to $149,999 109 10 3 3 4 15 73
$150,000 to $174,999 68 3 0 0 7 14 44
$175,000 to $199,999 77 7 2 0 0 7 61
$200,000 to $249,999 112 13 0 0 3 7 89
$250,000 to $299,999 55 2 0 0 2 0 51
$300,000 to $499,999 86 8 0 4 2 4 69
$500,000 or more 88 3 1 3 0 7 75
Median 133434 131983 101390 120675 151813 139625 133641
Mean 194042 192190 113693 293508 150538 191109 195498

Value Per Housing Unit@8

Less than $20,000		 87 4 4 3 6 7 63
$20,000 to $39,999 249 15 7 3 0 14 210
$40,000 to $59,999 224 24 4 5 1 24 165
$60,000 to $79,999 189 14 3 3 16 21 131
$80,000 to $99,999 101 3 2 1 4 11 79
$100,000 to $124,999 91 14 0 1 0 3 73
$125,000 to $149,999 60 2 0 0 0 3 55
$150,000 to $174,999 34 5 0 0 0 1 28
$175,000 to $199,999 14 0 0 0 0 0 14
$200,000 to $249,999 15 2 0 2 0 0 12
$250,000 to $299,999 14 0 1 0 0 3 10
$300,000 to $499,999 23 0 0 0 0 0 23
$500,000 or more 17 1 0 3 0 2 10
Median 59875 59106 41112 56540 68121 60093 59767
Mean 81516 77281 54228 137486 59744 84110 81661

Purchase Price as Percent of Value@8

Acquired by purchase		 1065 81 22 21 27 79 834
Purchased 1997 to 2001 (part) 410 36 8 5 0 36 324
Less than 60 percent 68 10 0 0 0 10 48
60 to 69 percent 14 0 0 0 0 5 10
70 to 79 percent 77 4 0 0 0 3 70
80 to 99 percent 153 16 8 0 0 16 113
100 percent or more 97 6 0 5 0 2 83
Median 86 85 90 4651 0 79 86
Purchased 1990 to 1996 (part) 319 18 4 8 9 25 255
Less than 40 percent 46 5 0 0 0 4 37
40 to 59 percent 59 4 0 1 0 3 51
60 to 79 percent 115 4 1 6 7 11 85
80 to 99 percent 34 3 3 0 0 3 25
100 percent or more 65 2 0 0 2 4 57
Median 69 60 87 68 73 70 69
Purchased 1989 or earlier 335 27 10 8 18 18 255
Less than 20 percent 40 2 0 2 2 5 29
20 to 39 percent 83 5 2 1 3 0 72
40 to 59 percent 80 3 0 0 11 3 62
60 to 79 percent 48 2 0 0 2 0 45
80 to 99 percent 22 7 2 0 0 1 11
100 percent or more 63 8 5 6 0 8 35
Median 51 85 497 1697 48 89 48
Not acquired by purchase 53 3 0 0 0 12 38

Value of Capital Improvements

Properties with capital
improvements between 1998
and 2000		 603 43 9 3 16 45 487
Less than $500 13 3 0 0 0 0 11
$500 to $999 29 0 0 0 0 0 29
$1,000 to $2,499 126 6 6 0 0 7 107
$2,500 to $4,999 95 8 0 3 7 6 71
$5,000 to $7,499 131 13 0 0 6 12 99
$7,500 to $9,999 25 0 3 0 0 0 22
$10,000 to $14,999 73 6 0 0 3 0 64
$15,000 to $19,999 52 0 0 0 0 16 36
$20,000 to $29,999 39 5 0 0 0 3 31
$30,000 or more 19 2 0 0 0 1 16
Median 5721 5823 2213 3750 5409 6980 5645
Mean 7810 8374 3721 2500 5489 10809 7673
Properties with no capital
improvements between 1998 and 2000		 346 24 3 10 9 45 254
Capital improvements not
reported		 170 18 10 8 2 0 132

Value of Capital Improvements Per Unit

Properties with capital
improvements between 1998
and 2000		 603 43 9 3 16 45 487
Less than $500 56 3 0 0 0 2 52
$500 to $999 66 6 6 0 0 5 49
$1,000 to $2,499 183 9 0 3 10 12 147
$2,500 to $4,999 148 13 3 0 3 8 120
$5,000 to $7,499 68 7 0 0 3 2 56
$7,500 to $9,999 40 0 0 0 0 13 27
$10,000 to $14,999 32 3 0 0 0 1 28
$15,000 to $19,999 3 0 0 0 0 0 3
$20,000 to $29,999 7 2 0 0 0 0 5
$30,000 or more 0 0 0 0 0 0 0
Median 2472 3055 904 1750 2194 3349 2455
Mean 3336 3796 1861 1250 2388 4387 3272
Properties with no capital
improvements between 1998 and 2000		 346 24 3 10 9 45 254
Capital improvements not
reported		 170 18 10 8 2 0 132

Monthly Rental Receipts Per Housing Unit

Acquired before 2000		 944 63 19 16 27 73 745
Less than $100 25 1 0 0 3 0 21
$100 to $199 72 5 6 3 4 7 47
$200 to $299 121 3 6 3 4 6 98
$300 to $399 161 10 1 3 8 19 121
$400 to $499 133 15 0 0 3 15 100
$500 to $599 124 7 0 1 0 13 102
$600 to $799 74 6 2 0 2 5 58
$800 to $999 125 7 2 3 3 4 105
$1000 or more 76 9 1 3 0 3 60
No rental receipts 33 0 0 0 0 0 33
Median 458 488 256 365 331 428 469
Mean 528 637 460 1296 343 476 516
Acquired 2000 and 2001 (part) 175 21 3 5 0 17 128

Rental Receipts as Percent of Value@8

Acquired before 2000		 944 63 19 16 27 73 745
Less than 5 percent 118 9 2 0 8 11 87
5 to 9 percent 243 8 0 6 6 25 198
10 to 14 percent 401 33 13 10 4 28 312
15 to 19 percent 88 11 3 0 0 3 71
20 to 24 percent 37 2 0 0 6 0 29
25 to 29 percent 8 0 0 0 0 1 7
30 to 39 percent 3 0 0 0 0 0 3
40 percent or more 7 0 0 0 0 4 3
Median 11 12 13 11 8 10 11
Acquired 2000 and 2001 (part) 175 21 3 5 0 17 128

Rental Vacancy Losses as Percent of
Potential Receipts

Acquired before 2000		 944 63 19 16 27 73 745
Less than 1.0 percent 331 16 7 3 6 31 268
1.0 to 2.9 percent 22 0 1 0 0 2 19
3.0 to 4.9 percent 38 4 0 0 0 7 26
5.0 to 6.9 percent 24 1 0 0 3 1 18
7.0 to 8.9 percent 56 0 0 2 0 9 45
9.0 to 10.9 percent 34 0 0 0 0 3 31
11.0 to 12.9 percent 21 1 1 0 2 0 18
13.0 to 14.9 percent 5 4 0 0 0 0 1
15.0 percent or more 133 11 2 6 6 13 95
Not reported or not computed 279 25 8 5 10 6 224
Median 1.1 4.2 0.8 23.4 6.6 3.0 1.0
Acquired 2000 and 2001 (part) 175 21 3 5 0 17 128

Age Restrictions

Property restricted to people
age 55 or older		 240 12 11 6 1 22 189
Property not restricted to people
age 55 or older		 854 69 9 15 26 69 666
Not reported 24 3 3 0 0 0 18

Type of Property Benefits@1

Government-sponsored below-market
interest rate mortgage loan		 16 1 0 0 0 4 11
Government rental subsidy 59 6 0 0 0 4 49
Government grant 6 0 3 0 0 2 1
Property tax relief 13 4 0 0 0 0 9
Federal income tax credit for
low-income, old or historic properties		 0 0 0 0 0 0 0
Accelerated federal income tax
depreciation for low- and
moderate-income properties		 0 0 0 0 0 0 0
Subsidy from a non-profit corporation 0 0 0 0 0 0 0
None of the above benefits 946 69 16 21 23 86 730
Not reported 89 4 4 0 4 0 78

Source of Property Benefits@1

With property benefits		 84 12 3 0 0 4 65
Federal government 37 0 0 0 0 4 33
State government 26 4 0 0 0 0 22
Local government 25 8 3 0 0 2 13
Non-profit corporation 0 0 0 0 0 0 0
Not reported 0 0 0 0 0 0 0
With no property benefits 946 69 16 21 23 86 730
Not reported 89 4 4 0 4 0 78

Reason for Benefits@1

With property benefits		 84 12 3 0 0 4 65
Occupied by low- or moderate-income
individuals		 68 10 0 0 0 4 54
Occupied by elderly or disabled
individuals		 11 5 0 0 0 0 6
A historic structure 0 0 0 0 0 0 0
Located in a community development or
economic development area		 4 0 3 0 0 0 2
Covered by a Homestead Exemption 9 2 0 0 0 0 7
Covered by a Community Land Trust 0 0 0 0 0 0 0
Covered by disaster relief 0 0 0 0 0 0 0
Other reason 2 0 0 0 0 0 2
Not reported 0 0 0 0 0 0 0
With no property benefits 946 69 16 21 23 86 730
Not reported 89 4 4 0 4 0 78

OWNER CHARACTERISTICS


Type of Owner

Individual investor(s)		 957 70 17 16 24 80 750
Limited partnership 64 3 3 3 3 0 51
Joint venture 8 3 0 0 0 2 4
General partnership 11 3 2 0 0 4 1
Life insurance company 5 0 0 0 0 0 5
Depository institution 2 0 0 0 0 2 0
Public real estate investment trust 1 0 0 0 0 0 1
Private real estate investment trust 0 0 0 0 0 0 0
Corporation - other than real estate
investment trust		 52 3 0 3 0 2 44
Housing cooperative organization 4 0 0 0 0 0 4
Non-profit or church-related institution 12 2 0 0 0 0 10
Pension fund 0 0 0 0 0 0 0
Fraternal organization 0 0 0 0 0 0 0
Other 3 0 0 0 0 0 3

MORTGAGE CHARACTERISTICS


Number of Mortgages

1 mortgage		 961 78 20 16 24 76 748
2 mortgages 148 7 3 5 3 13 117
3 or more mortgages 9 0 0 0 0 2 7

Form of Debt of First Mortgage

Mortgage or deed of trust		 1118 84 22 21 27 91 873
Contract to purchase 0 0 0 0 0 0 0
Some other loan secured by this property 0 0 0 0 0 0 0

Method of Loan Application

By computer over the Internet or
by e-mail		 4 0 0 0 0 2 3
By telephone or FAX 79 4 0 2 3 9 61
By regular mail 17 3 0 0 1 3 9
By personal visit 754 51 11 8 20 67 598
Through third party (such as real
estate agent or builder)		 144 21 10 3 3 8 99
Some other way 16 0 0 3 0 0 13
Not reported 73 5 0 5 0 2 61
Not available 30 1 1 0 0 0 28

Origin of First Mortgage

Mortgage made at time property acquired		 854 61 19 15 22 71 665
Mortgage assumed at the time property
acquired		 53 6 3 3 0 0 40
Mortgage placed later than acquisition of
property		 211 17 0 3 5 20 167
Refinanced mortgage 185 17 0 3 2 20 144
Same lender 62 9 0 0 0 5 48
Different lender 123 8 0 3 2 15 96
Mortgage placed on property
owned free and clear of debt		 26 0 0 0 3 0 24
Not available 0 0 0 0 0 0 0

Purpose of First Mortgage Placed
Later Than Acquisition of Property

Properties on which
mortgages placed later
than acquisition of property		 211 17 0 3 5 20 167
Obtain lower interest rate 107 15 0 3 0 5 84
Increase payment period for mortgage 0 0 0 0 0 0 0
Reduce payment period for mortgage 5 0 0 0 0 1 4
Renew or extend loan that had fallen
due, without increasing outstanding
balance		 6 0 0 0 0 0 6
Receive cash or increase outstanding
balance of loan		 61 2 0 0 5 8 47
Other reason 23 0 0 0 0 2 21
Not reported 8 0 0 0 0 3 5
Other properties 907 67 22 19 22 71 705
Not available 0 0 0 0 0 0 0

Cash Received From Refinancing or
Placing Mortgage on Property Owned
Free and Clear

Properties on which cash
received		 97 0 0 0 5 12 80
Less than $20,000 32 0 0 0 3 6 24
$20,000 to $39,999 17 0 0 0 2 4 10
$40,000 to $59,999 22 0 0 0 0 2 20
$60,000 to $79,999 7 0 0 0 0 0 7
$80,000 to $99,999 2 0 0 0 0 0 2
$100,000 to $124,999 6 0 0 0 0 0 6
$125,000 to $149,999 0 0 0 0 0 0 0
$150,000 to $174,999 10 0 0 0 0 0 10
$175,000 to $199,999 0 0 0 0 0 0 0
$200,000 to $249,999 0 0 0 0 0 0 0
$250,000 to $299,999 1 0 0 0 0 0 1
$300,000 or more 0 0 0 0 0 0 0
Median 39156 30000 0 0 18232 22566 45611
Mean 51205 31745 0 0 18202 29280 56554
Properties that refinanced
and did not receive cash back		 97 15 0 3 0 7 72
Properties that refinanced
and did not report if received
cash back		 17 1 0 0 0 0 15
Properties that did not
refinance		 907 67 22 19 22 71 705
Not available 0 0 0 0 0 0 0

Use of Cash From Refinancing or
Placing Mortgage on Property Owned Free
and Clear

Properties on which cash
received@1		 97 0 0 0 5 12 80
For additions, improvements or repairs
to this property		 27 0 0 0 2 0 25
To consolidate debts 33 0 0 0 3 2 29
For investment in other real estate 30 0 0 0 0 8 22
For other types of investments 5 0 0 0 0 2 3
For educational or medical expenses 8 0 0 0 0 0 8
To start a business 6 0 0 0 0 0 6
To settle a divorce 0 0 0 0 0 0 0
To pay taxes 0 0 0 0 0 0 0
To purchase an automobile, truck, or
other vehicle		 6 0 0 0 3 0 3
To purchase consumer product other than
automobile, truck, or other vehicle		 0 0 0 0 0 0 0
Other 7 0 0 0 0 0 7
Not reported 0 0 0 0 0 0 0
Properties that refinanced
and did not receive cash back		 97 15 0 3 0 7 72
Properties that refinanced
and did not report if received
cash back		 17 1 0 0 0 0 15
Properties that did not
refinance		 907 67 22 19 22 71 705
Not available 0 0 0 0 0 0 0

Purpose of Second Mortgage

Properties with second
mortgage		 82 2 3 0 3 3 70
Provide funds for the purchase of this
property		 41 1 3 0 0 2 36
Provide funds for additions,
improvements or repairs to this
property		 23 0 0 0 3 1 18
Provide funds for consolidation of debts 3 2 0 0 0 0 2
Provide funds for investment in other
real estate		 0 0 0 0 0 0 0
Provide funds for other types of
investments		 0 0 0 0 0 0 0
Provide funds for educational or
medical expenses		 0 0 0 0 0 0 0
Provide funds for starting a business 0 0 0 0 0 0 0
Provide funds to settle a divorce 0 0 0 0 0 0 0
Provide funds to pay taxes 0 0 0 0 0 0 0
Provide funds to purchase automobile,
truck, or vehicle		 0 0 0 0 0 0 0
Provide funds to purchase another type
of consumer product		 0 0 0 0 0 0 0
Other reasons 5 0 0 0 0 0 5
Not reported 9 0 0 0 0 0 9
Other properties 1036 82 20 21 24 87 802

Purpose of Home Equity Line of Credit

Properties with home equity
line of credit		 78 4 0 5 0 12 57
Provide funds for additions,
improvements or repairs to this
property		 27 3 0 0 0 7 18
Provide funds for consolidation of debts 7 0 0 0 0 0 7
Provide funds for investment in other
real estate		 6 0 0 0 0 0 6
Provide funds for other types of
investments		 0 0 0 0 0 0 0
Provide funds for educational or
medical expenses		 0 0 0 0 0 0 0
Provide funds for starting a business 0 0 0 0 0 0 0
Provide funds to settle a divorce 0 0 0 0 0 0 0
Provide funds to pay taxes 0 0 0 0 0 0 0
Provide funds to purchase automobile,
truck, or vehicle		 8 0 0 0 0 0 8
Provide funds to purchase another type
of consumer product		 0 0 0 0 0 0 0
Other reasons 6 0 0 0 0 0 6
Not reported 24 1 0 5 0 5 13
Other properties 1040 80 22 16 27 79 816

Year First Mortgage Made or
Assumed

1999 to 2001 (part)		 399 36 6 5 3 45 305
1997 and 1998 208 17 3 3 0 13 172
1995 and 1996 135 3 3 3 9 12 105
1990 to 1994 193 20 5 1 2 12 153
1985 to 1989 102 6 0 0 2 0 93
1980 to 1984 39 0 2 3 3 7 25
1979 or earlier 42 2 4 6 8 1 20

Traditional First Mortgage Loan

Less than $20,000		 39 0 0 0 3 2 34
$20,000 to $29,999 63 8 0 6 3 0 46
$30,000 to $39,999 75 1 4 0 0 3 66
$40,000 to $49,999 106 0 5 0 3 17 82
$50,000 to $59,999 73 4 3 1 4 2 59
$60,000 to $79,999 167 15 0 5 7 22 118
$80,000 to $99,999 153 18 2 3 2 12 116
$100,000 to $149,999 231 19 3 0 3 21 184
$150,000 to $199,999 96 11 0 1 2 9 73
$200,000 to $249,999 38 2 0 2 0 1 33
$250,000 to $299,999 19 0 0 0 0 0 19
$300,000 or more 49 5 1 3 0 2 37
Not reported 9 0 4 0 0 0 6
Median 84016 94983 50688 74427 61450 79854 84831
Mean 105534 123110 83365 182034 65705 108573 103343

Total Mortgage Loan

Less than $20,000		 36 0 0 0 3 2 32
$20,000 to $29,999 60 8 0 6 0 0 46
$30,000 to $39,999 78 1 4 0 3 3 66
$40,000 to $49,999 93 0 5 0 3 17 69
$50,000 to $59,999 79 4 3 1 4 2 66
$60,000 to $79,999 163 15 0 5 7 20 115
$80,000 to $99,999 148 18 2 3 2 12 112
$100,000 to $149,999 230 19 3 0 3 21 184
$150,000 to $199,999 109 12 0 1 2 9 85
$200,000 to $249,999 40 0 0 2 0 3 35
$250,000 to $299,999 24 2 0 0 0 0 22
$300,000 or more 49 5 1 3 0 2 37
Not reported 9 0 4 0 0 0 6
Median 86078 94983 50688 74427 61450 81928 87338
Mean 109353 124572 83619 182034 66549 111743 107722

Traditional First Mortgage Outstanding
Debt

Less than $10,000		 59 3 4 1 0 3 49
$10,000 to $19,999 60 3 3 3 5 4 42
$20,000 to $29,999 73 5 1 3 3 2 58
$30,000 to $39,999 81 6 0 0 4 6 66
$40,000 to $49,999 96 5 5 0 1 12 73
$50,000 to $59,999 104 3 0 0 7 6 89
$60,000 to $79,999 168 19 0 5 2 24 118
$80,000 to $99,999 129 16 2 3 2 6 100
$100,000 to $149,999 176 8 3 4 2 16 143
$150,000 to $199,999 85 11 0 0 0 8 66
$200,000 to $249,999 23 2 0 0 0 1 20
$250,000 to $299,999 20 0 0 0 0 0 20
$300,000 or more 36 5 1 3 0 2 25
Not reported 8 0 2 0 0 0 6
Median 69708 79421 43324 74427 44545 70623 69779
Mean 91219 111307 64375 97497 50097 99261 90180

Total Mortgage Outstanding Debt

Less than $10,000		 54 3 4 1 0 3 44
$10,000 to $19,999 60 3 3 3 5 4 42
$20,000 to $29,999 73 5 1 3 3 2 58
$30,000 to $39,999 76 6 0 0 4 6 60
$40,000 to $49,999 90 5 5 0 1 12 66
$50,000 to $59,999 112 3 0 0 7 6 96
$60,000 to $79,999 163 19 0 5 2 22 115
$80,000 to $99,999 124 16 2 3 2 6 95
$100,000 to $149,999 182 7 3 4 2 16 149
$150,000 to $199,999 94 12 0 0 0 8 74
$200,000 to $249,999 25 0 0 0 0 3 22
$250,000 to $299,999 19 2 0 0 0 0 18
$300,000 or more 39 5 1 3 0 2 28
Not reported 8 0 2 0 0 0 6
Median 71164 79421 43324 74427 44545 71552 71682
Mean 94000 112672 58262 97497 50216 102315 93521

Current Interest Rate on First Mortgage

Less than 6.0 percent		 376 8 3 18 21 31 295
6.0 percent 12 0 0 0 0 0 12
6.1 to 6.4 percent 6 0 2 0 0 0 3
6.5 to 6.9 percent 78 6 0 0 0 8 64
7.0 percent 84 4 3 0 0 10 66
7.1 to 7.4 percent 42 2 0 0 0 6 34
7.5 to 7.9 percent 99 12 0 0 0 11 76
8.0 percent 35 3 0 0 0 0 32
8.1 to 8.4 percent 55 1 0 0 0 5 49
8.5 to 8.9 percent 50 0 0 0 0 6 44
9.0 percent 17 4 2 0 0 0 11
9.1 to 9.4 percent 16 4 2 0 0 1 9
9.5 to 9.9 percent 12 3 0 0 0 0 9
10.0 percent 29 4 2 0 0 4 19
10.1 to 10.4 percent 7 5 0 0 0 0 2
10.5 to 10.9 percent 13 3 0 0 0 0 10
11.0 percent 18 2 0 0 0 0 16
11.1 to 12.9 percent 28 14 6 0 0 0 7
13.0 percent 0 0 0 0 0 0 0
13.1 percent or more 142 10 1 3 6 9 113
Not reported 0 0 0 0 0 0 0
Median 7.1 9.4 9.2 3.6 3.8 7.1 7.1

Type of Interest Rate Buydown

Properties with interest rate
buydown		 18 0 2 0 0 0 16
Constant payment 3 0 0 0 0 0 3
3-2-1 buydown 0 0 0 0 0 0 0
Other 0 0 0 0 0 0 0
Not reported 15 0 2 0 0 0 13
Properties without interest
rate buydown		 428 26 3 0 0 43 355
Not reported 673 58 17 21 27 47 502

Term of First Mortgage

Less than 5 years		 20 0 0 0 0 3 17
5 years 17 0 0 0 0 0 17
6 to 9 years 2 0 0 0 0 0 2
10 years 11 1 0 0 0 3 7
11 to 14 years 9 0 0 0 0 0 9
15 years 87 7 0 0 0 1 78
16 to 19 years 1 0 0 0 0 0 1
20 years 43 0 0 0 0 1 42
21 to 24 years 2 0 2 0 0 0 0
25 years 22 0 0 0 0 4 18
26 to 29 years 0 0 0 0 0 0 0
30 years 362 75 19 0 0 36 232
More than 30 years 6 0 2 0 0 0 3
No stated term 536 0 0 21 27 43 445
Median 30 30 31 0 0 30 30

Unexpired Term of First Mortgage

Less than 5 years		 61 0 4 0 0 6 51
5 to 9 years 69 11 2 0 0 0 56
10 to 14 years 55 0 0 0 0 1 54
15 to 19 years 62 12 0 0 0 1 49
20 to 24 years 100 10 6 0 0 4 80
25 to 29 years 184 44 7 0 0 27 105
30 or more years 51 7 3 0 0 8 33
No stated term or not computed 536 0 0 21 27 43 445
Median 22 26 25 0 0 27 20

Holder of First Mortgage

Commercial bank or trust company		 179 4 0 3 6 13 153
Savings and loan association, federal
savings bank		 166 10 0 1 2 4 150
Mutual savings bank 45 0 0 0 0 7 37
Life insurance company 21 0 0 0 0 0 21
Mortgage banker or mortgage company 65 11 0 0 0 17 37
Federally-sponsored secondary market
agency or pool		 424 37 20 13 6 30 317
Conventional mortgage pool 9 0 0 0 0 2 7
Other federal agency 27 1 2 0 6 0 18
Real estate investment trust 4 1 0 0 0 0 3
Pension or retirement fund 0 0 0 0 0 0 0
Credit union 36 7 0 2 0 3 24
Finance company 13 4 0 0 0 2 7
State or municipal government or
housing finance agency		 68 5 0 3 3 11 47
Individual or individual's estate 35 0 0 0 0 1 33
Other 25 4 0 0 4 0 17

Servicer of First Mortgage

Commercial bank or trust company		 214 4 2 3 6 19 180
Savings and loan association, federal
savings bank		 177 13 0 1 2 4 158
Mutual savings bank 50 0 0 0 0 7 43
Life insurance company 20 0 0 0 0 0 20
Mortgage banker or mortgage company 463 48 18 13 6 45 333
Federally-sponsored secondary market
agency or pool		 0 0 0 0 0 0 0
Conventional mortgage pool 0 0 0 0 0 0 0
Other federal agency 26 0 2 0 6 0 18
Real estate investment trust 0 0 0 0 0 0 0
Pension or retirement fund 0 0 0 0 0 0 0
Credit union 41 7 0 2 0 3 29
Finance company 11 4 0 0 0 0 7
State or municipal government or
housing finance agency		 62 5 0 3 3 11 41
Individual or individual's estate 30 0 0 0 0 1 29
Other 23 4 0 0 4 0 16

Holder's Acquisition of First Mortgage

Originated directly from borrower		 597 30 14 14 4 50 485
Purchased from present servicer 275 28 3 1 14 26 203
Purchased from someone else 246 26 5 6 10 15 184
Not reported 0 0 0 0 0 0 0

First Mortgage Loan as a Percent of
Purchase Price

Properties acquired by
purchase with first mortgage
made or assumed at time of
purchase 		859 64 22 19 22 59 672
Less than 40 percent 28 0 0 0 2 0 26
40 to 49 percent 15 0 3 0 0 0 11
50 to 59 percent 38 0 0 1 0 6 31
60 to 69 percent 98 6 0 11 4 17 60
70 to 79 percent 126 5 3 0 3 3 112
80 to 89 percent 138 11 3 0 8 3 113
90 to 94 percent 80 2 2 0 0 15 61
95 to 99 percent 35 4 0 0 1 0 30
100 percent or more 294 36 6 7 5 16 224
Not reported 7 0 4 0 0 0 3
Median 89 11032 87 68 83 90 88
Other properties 260 20 0 3 5 31 201
Not available 0 0 0 0 0 0 0

First Mortgage Loan as a Percent
of Value

Properties acquired by
purchase with first mortgage
made or assumed at time of
purchase		 859 64 22 19 22 59 672
Less than 40 percent 31 0 0 0 2 0 29
40 to 49 percent 9 0 3 0 0 2 4
50 to 59 percent 29 0 0 1 0 0 28
60 to 69 percent 197 6 0 11 4 20 155
70 to 79 percent 153 5 0 0 3 1 144
80 to 89 percent 138 9 3 0 8 16 102
90 to 94 percent 46 2 2 0 0 9 33
95 to 99 percent 28 9 0 0 1 0 18
100 percent or more 221 34 10 7 5 11 155
Not reported 7 0 4 0 0 0 3
Median 81 535 437 68 83 84 78
Other properties 260 20 0 3 5 31 201
Not available 0 0 0 0 0 0 0

First Mortgage Risk

Subprime loan		 52 3 1 0 2 3 43
Not subprime loan 1066 81 21 21 25 88 830
Not reported 0 0 0 0 0 0 0

Total Mortgage Loan as a Percent of
Purchase Price

Properties acquired by purchase
with first mortgage made or
assumed at time of purchase		 859 64 22 19 22 59 672
Less than 40 percent 30 0 0 0 2 0 28
40 to 49 percent 11 0 3 0 0 0 8
50 to 59 percent 30 0 0 1 0 6 24
60 to 69 percent 86 6 0 11 4 16 49
70 to 79 percent 108 5 3 0 0 4 96
80 to 89 percent 119 11 3 0 8 3 94
90 to 94 percent 89 2 2 0 0 15 70
95 to 99 percent 53 4 0 0 4 0 45
100 percent or more 327 37 6 7 5 16 256
Not reported 7 0 4 0 0 0 3
Median 92 12637 87 68 87 90 93
Other properties 260 20 0 3 5 31 201
Not available 0 0 0 0 0 0 0

Total Mortgage Loan as Percent
of Value

Properties acquired by
purchase with first mortgage
made or assumed at time of
purchase		 859 64 22 19 22 59 672
Less than 40 percent 122 10 3 1 5 7 97
40 to 49 percent 106 0 2 1 15 18 70
50 to 59 percent 123 13 0 0 0 6 104
60 to 69 percent 149 12 0 17 3 9 108
70 to 79 percent 112 7 6 0 0 3 96
80 to 89 percent 99 11 7 0 0 11 69
90 to 94 percent 33 0 0 0 0 1 32
95 to 99 percent 29 4 0 0 0 0 25
100 percent or more 77 6 0 0 0 4 67
Not reported 7 0 4 0 0 0 3
Median 65 67 76 64 45 58 66
Other properties 260 20 0 3 5 31 201
Not available 0 0 0 0 0 0 0

Total Outstanding Debt as a Percent
of Value

Less than 20 percent		 90 5 4 0 3 5 73
20 to 29 percent 108 0 3 5 7 5 88
30 to 39 percent 129 12 3 0 9 10 95
40 to 49 percent 143 10 0 1 8 23 100
50 to 59 percent 183 15 0 8 0 13 147
60 to 69 percent 135 13 0 3 0 16 103
70 to 79 percent 114 10 3 3 0 5 93
80 to 89 percent 104 13 6 0 0 10 75
90 to 99 percent 44 0 0 0 0 2 42
100 percent or more 60 6 0 0 0 2 51
Not reported or not computed 8 0 2 1 0 0 6
Median 55 60 38 55 34 53 55

Index Used to Adjust Interest Rate
on ARM

Properties with adjustable
rate first mortgage		 271 13 0 8 8 15 227
Treasury security 68 0 0 0 0 0 68
Average cost of funds in bank district 25 0 0 0 0 0 25
National average cost of funds 12 0 0 0 0 0 12
OTS contract mortgage rate 0 0 0 0 0 0 0
Other method 29 1 0 0 0 3 25
No index used 4 0 0 0 0 0 4
Not reported 132 11 0 8 8 12 93
Other properties 848 72 22 14 19 75 646
Not reported 0 0 0 0 0 0 0

Frequency With Which Rate Can Be
Adjusted

Properties with adjustable
rate first mortgage		 271 13 0 8 8 15 227
Monthly 23 0 0 0 0 0 23
Every 3 months 6 0 0 0 0 0 6
Every 6 months 11 0 0 0 0 3 7
Yearly 82 0 0 0 0 0 82
Every 3 years 10 0 0 0 0 0 10
Every 5 years 11 0 0 0 0 0 11
Other 1 1 0 0 0 0 0
Not reported 127 11 0 8 8 12 88
Other properties 848 72 22 14 19 75 646
Not reported 0 0 0 0 0 0 0

Caps on Interest Rate Per Adjustment
Period

Properties with adjustable
rate first mortgage		 271 13 0 8 8 15 227
Less than 1 percent 6 0 0 0 0 3 3
1 percent 2 0 0 0 0 0 2
1.1 to 1.9 percent 9 0 0 0 0 0 9
2 percent 65 0 0 0 0 0 65
2.1 to 2.9 percent 4 0 0 0 0 0 4
3 percent 5 0 0 0 0 0 5
3.1 to 3.9 percent 0 0 0 0 0 0 0
4.0 percent or more 15 1 0 0 0 0 14
No caps 43 0 0 0 0 0 43
Not reported 123 11 0 8 8 12 84
Other properties 848 72 22 14 19 75 646
Not reported 0 0 0 0 0 0 0

Caps on Interest Rate Over Life of ARM

Properties with adjustable
rate first mortgage		 271 13 0 8 8 15 227
Less than 1 percent 3 0 0 0 0 0 3
1 percent 0 0 0 0 0 0 0
1.1 to 1.9 percent 0 0 0 0 0 0 0
2 percent 0 0 0 0 0 0 0
2.1 to 2.9 percent 1 0 0 0 0 0 1
3 percent 1 1 0 0 0 0 0
3.1 to 3.9 percent 0 0 0 0 0 0 0
4.0 percent or more 103 0 0 0 0 3 99
No caps 39 0 0 0 0 0 39
Not reported 124 11 0 8 8 12 85
Other properties 848 72 22 14 19 75 646
Not reported 0 0 0 0 0 0 0

Interest Rate Changed Since
Mortgage Made

Properties with adjustable
rate first mortgage		 271 13 0 8 8 15 227
Yes, rate has changed 108 1 0 0 0 3 104
No change since mortgage made 38 0 0 0 0 0 38
Not reported 124 11 0 8 8 12 85
Other properties 848 72 22 14 19 75 646
Not reported 0 0 0 0 0 0 0

Change in Monthly Interest and Principal
Payments Other Than Change in Interest
Rate

Monthly payments can change
(other than change in interest
ra 		4 0 0 0 0 0 4
Payments can change monthly 0 0 0 0 0 0 0
Payments can change every three months 0 0 0 0 0 0 0
Payments can change every six months 0 0 0 0 0 0 0
Payments can change yearly 4 0 0 0 0 0 4
Payments can change every 3 years 0 0 0 0 0 0 0
Payments can change every 5 years 0 0 0 0 0 0 0
Other 0 0 0 0 0 0 0
Not reported 0 0 0 0 0 0 0
Monthly payments cannot
change		 986 73 22 14 19 79 780
Not reported 128 11 0 8 8 12 89

First Mortgage Allows for Negative
Amortization

Monthly payments can change
(other than change in interest
rate)		 4 0 0 0 0 0 4
Yes, unrestricted negative amortization 0 0 0 0 0 0 0
Yes, restricted negative amortization 0 0 0 0 0 0 0
No negative amortization allowed 4 0 0 0 0 0 4
Not reported 0 0 0 0 0 0 0
Monthly payments cannot change 986 73 22 14 19 79 780
Not reported 128 11 0 8 8 12 89

MORTGAGE PAYMENTS AND OTHER EXPENSES


Method of Payment of First Mortgage

Regular payments of interest
and/or principal		 1063 78 22 16 27 89 830
Interest and principal 1063 78 22 16 27 89 830
Fully amortized 974 73 21 13 23 81 763
Not fully amortized 89 5 2 3 4 8 67
Interest only 0 0 0 0 0 0 0
No regular payments required 16 0 0 0 0 1 14
Not reported 40 6 0 5 0 0 29

Items Included in First Mortgage
Payment@1

Regular monthly payments of
both interest and principal		 1063 78 22 16 27 89 830
Real estate taxes 281 28 5 0 0 27 221
Property insurance 208 28 5 0 0 24 152
Mortgage insurance 32 6 0 0 0 24 3
Other 73 15 0 0 0 7 51
No items included or not reported 770 51 17 16 27 60 599
No regular payments of interest
and principal		 55 6 0 5 0 1 43

Monthly Interest and Principal
Payments on First Mortgage Per
Housing Unit

Regular monthly payments of
interest and/or principal		 1103 84 22 21 27 89 858
Less than $100 46 5 2 1 3 4 31
$100 to $199 237 10 11 6 6 21 183
$200 to $299 228 14 5 0 5 16 188
$300 to $399 194 12 0 3 9 21 150
$400 to $499 128 14 0 1 0 14 98
$500 to $599 77 11 0 0 0 8 57
$600 to $699 73 1 3 0 0 3 66
$700 to $799 16 4 0 0 4 0 8
$800 to $899 19 2 0 0 0 0 17
$900 to $999 1 0 0 0 0 0 1
$1,000 to $1,249 10 3 1 0 0 0 5
$1,250 to $1,499 14 0 0 2 0 0 11
$1,500 or more 20 1 0 3 1 2 12
Not reported 40 6 0 5 0 0 29
Median 310 377 185 344 298 315 308
Mean 397 432 279 748 995 353 375
No regular payments required 16 0 0 0 0 1 14

Current First Mortgage Payment Status

Regular monthly payments of
principal and/or interest		 1103 84 22 21 27 89 858
Up-to-date, ahead of schedule, or
less than 90 days past due		 483 26 5 0 0 46 406
Delinquent by 90 days or more 15 0 0 0 0 0 15
Legal proceedings have begun 8 0 0 0 0 0 8
Legal proceedings have not begun 4 0 0 0 0 0 4
Not reported 3 0 0 0 0 0 3
Not reported 604 58 17 21 27 43 437
Other properties 16 0 0 0 0 1 14

Monthly Interest and Principal Payments
on Total Mortgages Per Housing Unit

Regular monthly payments of
interest and/or principal		 1103 84 22 21 27 89 858
Less than $100 81 11 2 6 3 4 55
$100 to $199 233 10 11 6 6 21 178
$200 to $299 215 14 5 0 5 16 174
$300 to $399 203 12 0 3 9 19 161
$400 to $499 119 14 0 1 0 16 88
$500 to $599 89 11 0 0 0 8 69
$600 to $699 77 1 3 0 0 3 70
$700 to $799 17 4 0 0 4 0 10
$800 to $899 22 0 0 0 0 0 22
$900 to $999 1 0 0 0 0 0 1
$1,000 to $1,249 12 5 1 0 0 0 5
$1,250 to $1,499 14 0 0 2 0 0 11
$1,500 or more 20 1 0 3 1 2 12
Not reported 0 0 0 0 0 0 0
Median 311 353 185 176 298 317 313
Mean 393 407 281 560 1000 355 375
No regular payments required 16 0 0 0 0 1 14

Interest and Principal Payment on
First Mortgage as Percent of Rental
Receipts

Acquired before 2000 and
regular payments of interest
and/or princi 		900 62 19 16 27 72 705
Less than 20 percent 23 3 0 1 0 3 17
20 to 29 percent 57 0 6 0 3 5 43
30 to 39 percent 48 7 0 0 5 1 35
40 to 49 percent 93 8 2 3 0 4 76
50 to 59 percent 146 13 3 3 3 16 108
60 to 69 percent 157 10 0 0 0 15 131
70 to 79 percent 51 0 0 1 0 4 46
80 to 89 percent 80 3 2 3 2 9 61
90 to 99 percent 23 1 0 0 0 5 18
100 percent or more 183 17 5 5 11 10 134
Not reported or not computed 38 0 0 0 3 0 35
Median 64 61 53 79 87 64 64
Other properties 218 23 3 5 0 18 168

Interest and Principal Payment on Total
Mortgages as Percent of Rental Receipts

Acquired before 2000 and regular
payments of interest and/or
principal 		906 62 19 16 27 72 710
Less than 20 percent 23 3 0 1 0 3 17
20 to 29 percent 53 0 6 0 3 5 39
30 to 39 percent 46 7 0 0 2 1 36
40 to 49 percent 91 8 2 3 0 3 76
50 to 59 percent 142 13 3 3 6 15 101
60 to 69 percent 152 10 0 0 0 15 126
70 to 79 percent 50 0 0 1 0 6 43
80 to 89 percent 85 3 2 3 2 9 66
90 to 99 percent 30 1 0 0 0 5 24
100 percent or more 195 17 5 5 11 10 147
Not reported or not computed 38 0 0 0 3 0 35
Median 65 61 53 79 87 66 65
Other properties 213 23 3 5 0 18 163

Real Estate Tax Per Housing Unit

Acquired before 2000		 944 63 19 16 27 73 745
Less than $100 53 3 4 0 3 2 42
$100 to $199 31 2 0 3 0 0 26
$200 to $299 60 3 4 0 5 4 44
$300 to $399 83 10 3 3 0 10 57
$400 to $499 121 5 0 1 5 6 105
$500 to $599 42 0 0 0 0 5 37
$600 to $699 74 5 2 0 0 7 60
$700 to $799 64 2 0 3 4 7 49
$800 to $899 45 2 0 1 0 0 42
$900 to $999 75 3 0 0 4 2 65
$1,000 to $1,249 96 5 0 0 2 9 81
$1,250 to $1,499 56 11 2 0 0 5 38
$1,500 to $1,999 85 12 2 0 4 16 50
$2,000 to $2,499 27 0 1 3 0 0 23
$2,500 or more 25 1 0 2 0 1 21
Not reported 5 0 0 0 0 0 5
Median 707 915 357 744 723 748 698
Mean 892 963 714 1307 744 905 886
Acquired 2000 and 2001 (part) 175 21 3 5 0 17 128

Real Estate Tax Per $1,000 Value

Acquired before 2000		 944 63 19 16 27 73 745
Less than $5 113 9 4 3 5 7 85
$5 to $9 273 18 4 4 6 14 227
$10 to $14 168 15 3 6 5 7 132
$15 to $19 143 10 3 0 4 28 97
$20 to $24 88 8 2 2 3 6 67
$25 to $29 72 0 2 0 4 7 59
$30 to $39 83 5 0 0 0 4 73
$40 to $49 0 0 0 0 0 0 0
$50 to $59 0 0 0 0 0 0 0
$60 or more 0 0 0 0 0 0 0
Not reported or not computed 5 0 0 0 0 0 5
Median 12 12 13 10 13 17 12
Acquired 2000 and 2001 (part) 175 21 3 5 0 17 128

Real Estate Tax as Percent of Rental
Receipts

Acquired before 2000		 944 63 19 16 27 73 745
Less than 5 percent 70 9 4 3 0 6 48
5 to 9 percent 248 11 5 3 7 14 208
10 to 14 percent 230 24 3 5 3 21 174
15 to 19 percent 140 10 2 0 5 13 109
20 to 24 percent 62 1 2 3 0 3 52
25 to 29 percent 53 3 2 0 1 4 42
30 to 34 percent 18 0 0 2 0 0 16
35 to 39 percent 17 0 0 0 8 5 4
40 percent or more 62 5 0 0 0 7 51
Not reported or not computed 44 0 0 0 3 0 41
Median 13 12 11 12 17 14 13
Acquired 2000 and 2001 (part) 175 21 3 5 0 17 128
@1Detail does not add to total because more than one answer accepted.
@8May not add to total because not reported and not calculated are not included.
@8May not add to total because not reported and not calculated are not included.
@8May not add to total because not reported and not calculated are not included.
@8May not add to total because not reported and not calculated are not included.
@1Detail does not add to total because more than one answer accepted.
@1Detail does not add to total because more than one answer accepted.
@1Detail does not add to total because more than one answer accepted.
@1Detail does not add to total because more than one answer accepted.
@1Detail does not add to total because more than one answer accepted.


Go to Residential Finance Survey: 2001 Detailed Regional Tables
Contact the Demographic Call Center Staff at 301-763-2422 or 1-866-758-1060 (toll free) or visit ask.census.gov for further information on Residential Finance Survey.

Source: U.S. Census Bureau, Housing and Household Economic Statistics Division
Last Revised: December 07, 2005