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Residential Finance Survey: 2001 - West
Table 1-1e. Selected Summary Characteristics, All Properties
^For information on confidentiality protection, sampling error, nonsampling error, and definitions see text.
For minimum base for derived figures (percent, median, etc.) and meaning of symbols see text^^

Homeowner properties
Rental and vacant properties
All
properties
Total 1 housing
unit
2 to 4
housing
units
Condo-
minimums
Mobile
homes
Total 1 housing
unit
2 to 4
housing
units
5 to 49
housing
units
50 or
more
housing
units
Condo-
minimums
Mobile
homes

ALL PROPERTIES
(in thousands)


Mortgage Status

All properties
17438 13755 11387 205 901 1261 3682 2239 458 151 17 486 331
Mortgaged@2 11762 9773 8468 138 709 458 1990 1226 279 99 15 287 83
Nonmortgaged 5675 3983 2920 67 192 804 1693 1013 179 51 2 200 248

MORTGAGED PROPERTIES


Type of First Mortgage Instrument

Fixed-rate, level-payment mortgage
8853 7492 6693 106 536 158 1362 882 199 53 11 193 23
Short-term with balloon payment mortgage 530 409 365 1 32 11 121 78 20 7 1 15 0
Reverse mortgage 7 7 7 0 0 0 0 0 0 0 0 0 0
Adjustable rate mortgage (ARM) 1714 1306 1129 26 129 22 408 232 57 38 3 71 7
Other 658 559 274 6 12 266 99 34 3 1 0 7 53

First Mortgage Insurance Status

FHA-insured first mortgage
1247 1055 908 12 116 19 192 115 20 6 1 44 7
VA-guaranteed first mortgage 295 273 230 7 35 0 22 16 1 0 0 6 0
Rural Housing Service/Rural
Development-guaranteed loan
218 200 189 2 5 4 18 7 5 3 0 3 0
Insured by state agency 248 206 195 1 10 0 42 30 8 3 1 0 0
Insured by state agency with
FHA insurance, VA or Rural
Housing Service/Rural
Development guarantee
11 11 8 0 0 3 0 0 0 0 0 0 0
Insured conventional first
mortgage
1393 1160 1030 23 83 24 233 170 30 9 1 23 0
Uninsured conventional first
mortgage
7808 6394 5702 89 459 144 1414 877 214 79 11 210 23
Not available 542 475 205 4 2 263 68 13 0 0 0 1 53

Holder of First Mortgage

Commercial bank or trust company
1545 1282 1116 20 78 69 263 164 26 19 3 52 0
Savings and loan association, federal
savings bank
1182 926 768 21 75 61 256 154 33 24 2 37 7
Mutual savings bank 142 110 88 1 10 10 33 20 4 2 0 6 0
Life insurance company 144 106 95 3 8 0 38 29 6 2 1 0 0
Mortgage banker or mortgage company 1561 1360 1195 13 123 29 200 121 22 7 0 44 7
Federally-sponsored secondary market
agency or pool
5016 4172 3734 51 318 70 844 543 127 27 6 118 23
Conventional mortgage pool 167 161 141 7 9 4 6 0 5 0 0 2 0
Other federal agency 268 202 178 3 19 1 66 52 4 2 1 6 0
Real estate investment trust 5 5 3 0 2 0 0 0 0 0 0 0 0
Pension or retirement fund 19 13 10 0 0 2 6 6 0 0 0 0 0
Credit union 453 393 344 2 17 29 60 42 15 2 0 1 0
Finance company 479 397 242 6 7 142 82 32 3 1 0 0 46
State or municipal government or
housing finance agency
388 321 291 5 12 12 67 32 22 4 1 8 0
Individual or individual's estate 174 136 109 6 14 7 38 15 10 6 0 8 0
Other 218 190 153 0 17 21 28 17 3 4 0 5 0

Holder of Junior Mortgage

Commercial bank or trust company
387 357 338 0 9 9 30 20 0 2 0 0 8
Savings and loan association, federal
savings bank
142 115 108 2 2 4 27 20 2 1 0 4 0
Mutual savings bank 32 32 32 0 0 0 0 0 0 0 0 0 0
Life insurance company 14 13 13 0 0 0 1 0 0 1 0 0 0
Mortgage banker or mortgage company 110 99 94 0 5 0 11 8 2 0 0 1 0
Federally-sponsored secondary market
agency or pool
425 380 367 0 8 5 45 28 5 4 1 6 0
Conventional mortgage pool 38 38 35 0 2 0 0 0 0 0 0 0 0
Other federal agency 39 36 34 2 0 0 3 0 2 0 0 0 0
Real estate investment trust 6 6 6 0 0 0 0 0 0 0 0 0 0
Pension or retirement fund 0 0 0 0 0 0 0 0 0 0 0 0 0
Credit union 456 409 390 2 10 7 47 44 3 1 0 0 0
Finance company 977 936 807 15 49 65 41 26 8 2 0 6 0
State or municipal government or
housing finance agency
70 65 57 2 6 0 5 0 4 1 0 0 0
Individual or individual's estate 41 32 28 1 4 0 8 6 1 1 0 0 0
Other 69 51 33 0 1 17 18 13 0 0 0 5 0

Holder of Equity Line of Credit

Commercial bank or trust company
170 165 157 0 5 4 5 5 0 0 0 0 0
Savings and loan association, federal
savings bank
42 42 33 2 2 5 0 0 0 0 0 0 0
Mutual savings bank 4 4 4 0 0 0 0 0 0 0 0 0 0
Credit union 385 340 326 4 6 4 45 40 3 1 0 1 0
Finance company 995 950 869 17 50 13 46 32 8 1 0 4 0
Other 12 12 12 0 0 0 0 0 0 0 0 0 0

Holder of Installment Loan

Commercial bank or trust company
45 37 0 0 0 37 8 0 0 0 0 0 8
Savings and loan association, federal
savings bank
47 40 0 0 0 40 7 0 0 0 0 0 7
Mutual savings bank 10 10 0 0 0 10 0 0 0 0 0 0 0
Credit union 32 32 0 0 0 32 0 0 0 0 0 0 0
Finance company 232 185 0 0 0 185 46 0 0 0 0 0 46
State or municipal government or
housing finance agency
0 0 0 0 0 0 0 0 0 0 0 0 0
Other 35 35 0 0 0 35 0 0 0 0 0 0 0

OUTSTANDING MORTGAGE DEBT
(million dollars)

Outstanding Traditional Mortgage Debt

All mortgaged properties
Total mortgage debt
1552944 1253791 1123529 24572 84479 21211 299152 127235 34107 42843 66842 24421 3704
First mortgage debt 1469142 1188860 1064195 23867 83360 17437 280282 117044 33374 40487 62534 23554 3290
Junior mortgage debt 83802 64932 59334 705 1119 3774 18870 10191 733 2356 4308 868 414

Outstanding Traditional First Mortgage
Debt by Mortgage Insurance Status

FHA-insured mortgage
123397 99872 88439 1210 9757 467 23525 8782 3033 2014 7001 2409 285
VA-guaranteed first mortgage 31558 30660 23989 2730 3940 0 899 677 27 0 0 194 0
Rural Housing Service/Rural
Development-guaranteed loan
24494 19768 18909 174 415 271 4726 471 1083 1613 1416 143 0
Insured by state agency 40614 31841 30441 189 1210 0 8774 3144 476 1763 3391 0 0
Insured by state agency with FHA
insurance, VA or Rural Housing
Service/Rural Development guarantee
956 792 590 0 0 203 163 0 0 31 133 0 0
Insured conventional first mortgage 203946 171606 155005 3692 11867 1042 32340 19044 2397 3370 4407 3122 0
Uninsured conventional first mortgage 1031467 823769 745819 15871 56171 5907 207698 84927 26357 31696 46186 17632 899
Not available 12710 10552 1004 0 0 9548 2158 0 0 0 0 53 2106

Outstanding Traditional Mortgage Debt
by Holder of Mortgage

Commercial bank or trust company
Total mortgage debt
221690 181721 165320 2038 11809 2555 39969 14023 2839 8386 10854 3452 414
First mortgage debt 206680 168537 152573 2038 11574 2352 38143 13624 2839 7997 10231 3452 0
Junior mortgage debt 15010 13184 12747 0 234 203 1826 400 0 389 623 0 414

Savings and loan association, federal
savings bank
Total mortgage debt
165728 125972 109436 5692 8095 2749 39756 15212 4365 9775 6605 3593 207
First mortgage debt 159289 121505 105294 5583 8072 2556 37784 14342 4174 9419 6248 3394 207
Junior mortgage debt 6439 4466 4142 109 23 193 1972 870 191 355 357 199 0

Mutual savings bank
Total mortgage debt
19993 13082 10926 189 1639 328 6911 4444 394 825 888 360 0
First mortgage debt 18709 11862 9706 189 1639 328 6847 4444 394 777 872 360 0
Junior mortgage debt 1284 1220 1220 0 0 0 64 0 0 48 16 0 0

Life insurance company
Total mortgage debt
24311 16210 15042 478 690 0 8101 2397 624 975 4105 0 0
First mortgage debt 22994 15260 14092 478 690 0 7734 2397 624 851 3862 0 0
Junior mortgage debt 1317 949 949 0 0 0 367 0 0 124 244 0 0

Mortgage banker or mortgage company
Total mortgage debt
224165 196836 178605 1997 14664 1570 27329 16791 1747 3670 708 4166 248
First mortgage debt 217199 192874 174790 1997 14516 1570 24325 13867 1711 3660 687 4152 248
Junior mortgage debt 6966 3962 3815 0 147 0 3004 2924 36 10 21 14 0

Federally-sponsored secondary market
agency or pool
Total mortgage debt
637313 512606 464643 7468 37097 3397 124707 56560 16325 11603 29595 9688 936
First mortgage debt 610637 493553 446230 7468 36878 2977 117084 52237 16150 10856 27544 9361 936
Junior mortgage debt 26676 19053 18413 0 219 420 7623 4323 175 747 2051 327 0

Conventional mortgage pool
Total mortgage debt
40254 38934 35542 1950 1264 178 1320 0 640 31 601 48 0
First mortgage debt 38592 37318 34055 1950 1135 178 1274 0 640 31 556 48 0
Junior mortgage debt 1662 1617 1487 0 130 0 46 0 0 0 46 0 0

Other federal agency
Total mortgage debt
31220 22766 20180 128 2458 1 8454 2845 503 1255 2611 1240 0
First mortgage debt 29032 20914 18456 0 2458 1 8118 2845 410 1174 2449 1240 0
Junior mortgage debt 2188 1852 1724 128 0 0 336 0 93 81 162 0 0

Real estate investment trust
Total mortgage debt
1243 641 436 0 205 0 602 0 0 0 602 0 0
First mortgage debt 887 306 100 0 205 0 581 0 0 0 581 0 0
Junior mortgage debt 356 335 335 0 0 0 21 0 0 0 21 0 0

Pension or retirement fund
Total mortgage debt
1684 556 520 0 0 35 1128 339 0 266 523 0 0
First mortgage debt 1666 556 520 0 0 35 1110 339 0 266 505 0 0
Junior mortgage debt 18 0 0 0 0 0 18 0 0 0 18 0 0

Credit union
Total mortgage debt
47499 39878 37407 0 1216 1255 7621 3343 1880 816 1530 53 0
First mortgage debt 41265 34512 32221 0 1086 1205 6753 2683 1776 790 1451 53 0
Junior mortgage debt 6234 5366 5186 0 130 50 868 660 103 26 79 0 0

Finance company
Total mortgage debt
34591 28023 20037 289 418 7279 6568 2908 299 402 1034 26 1899
First mortgage debt 26851 20366 14711 289 418 4947 6485 2908 299 382 997 0 1899
Junior mortgage debt 7740 7658 5326 0 0 2332 82 0 0 20 36 26 0

State or municipal government or housing
finance agency
Total mortgage debt
46260 33635 29519 2535 1117 464 12625 4165 2245 1728 3937 550 0
First mortgage debt 42870 30899 27237 2177 1021 464 11970 4165 2172 1562 3521 550 0
Junior mortgage debt 3390 2736 2281 357 97 0 655 0 73 166 416 0 0

Individual or individual's estate
Total mortgage debt
25279 18194 15110 1809 1055 221 7085 1941 1921 1857 896 470 0
First mortgage debt 23684 17435 14501 1697 1016 221 6249 1643 1859 1510 768 470 0
Junior mortgage debt 1595 759 609 112 38 0 836 298 62 347 129 0 0

Other
Total mortgage debt
31713 24738 20806 0 2751 1180 6975 2266 326 1255 2353 775 0
First mortgage debt 28787 22962 19707 0 2650 604 5824 1550 326 1212 2262 474 0
Junior mortgage debt 2926 1775 1099 0 101 576 1151 716 0 43 90 301 0

Outstanding Equity Line of Credit
Debt by Holder

Commercial bank or trust company
4212 4182 4087 0 40 55 30 30 0 0 0 0 0
Savings and loan association, federal
savings bank
897 846 715 109 23 0 51 0 0 51 0 0 0
Mutual savings bank 0 0 0 0 0 0 0 0 0 0 0 0 0
Credit union 3272 2593 2559 0 34 0 679 517 103 6 0 53 0
Finance company 2558 2558 2512 0 0 46 0 0 0 0 0 0 0
Other 435 426 426 0 0 0 9 0 0 9 0 0 0

Outstanding Installment Debt by Holder

Commercial bank or trust company
1661 1247 0 0 0 1247 414 0 0 0 0 0 414
Savings and loan association, federal
savings bank
2125 1919 0 0 0 1919 207 0 0 0 0 0 207
Mutual savings bank 328 328 0 0 0 328 0 0 0 0 0 0 0
Credit union 1255 1255 0 0 0 1255 0 0 0 0 0 0 0
Finance company 8808 6909 0 0 0 6909 1899 0 0 0 0 0 1899
State or municipal government or housing
finance agency
0 0 0 0 0 0 0 0 0 0 0 0 0
Other 1142 1142 0 0 0 1142 0 0 0 0 0 0 0

Source: U.S. Census Bureau | Residential Finance Survey |  Last Revised: 2012-08-02T15:15:13.203-04:00