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Residential Finance Survey: 2001 - United States
Table 4-4. Holder of First Mortgage, Rental and Vacant 1-Housing-Unit Mortgaged Properties
^Number of mortgaged properties in thousands. For information on confidentiality protection, sampling error, nonsampling error, and definitions, see text.
For minimum base of derived figures (percent, median, etc.) and meaning of symbols, see text.
Value, Rental Receipts as Percent of Value, Rental Vacancy Losses as Percent of Potential Receipts, Monthly Rental Receipts, and Real Estate Tax as Percent of Rental Receipts acquired before 2000 exclude properties with less than half the units in rental market during all of the year preceding survey and cooperatively owned properties^^

Holder of First Mortgage
Total Commercial
bank or
trust
company
Savings and
loan
association
Mutual
savings
bank
Life
insurance
company
Mortgage
banker or
mortgage
company
Federally-
sponsored
agency or
mortgage
pool
Conventional
mortgage
pool
Other
federal
agency
Real estate
investment
trust (REIT)
Pension
fund
or
retirement
fund
Credit
union
Finance
company
State or
municipal
government
or housing
finance
agency
Individual
or
individual's
estate
Other

1-housing-unit properties with a
traditional first mortgage
4129 819 460 97 77 278 1635 52 161 7 6 125 86 178 84 64

PROPERTY CHARACTERISTICS


Property Location by Geographic Area

Inside MAs
3259 540 408 68 62 253 1308 52 132 7 6 94 68 148 60 55
In central cities 1293 214 159 34 6 81 538 31 43 0 6 42 29 72 20 18
Not in central cities 1966 326 248 34 55 172 770 22 88 7 0 52 39 76 40 37
Outside MAs 870 280 52 29 16 25 327 0 30 0 0 30 18 30 25 9

Year Structure Built

1999 to March 2000
138 38 0 5 2 7 60 0 5 0 0 0 0 20 0 0
1997 and 1998 152 26 6 0 0 0 93 8 0 0 0 0 5 7 8 0
1995 and 1996 124 19 8 0 10 7 53 0 4 0 0 5 6 13 0 0
1990 to 1994 265 48 21 0 12 29 82 0 28 0 0 18 0 15 6 6
1980 to 1989 554 89 120 0 14 29 226 0 24 0 0 22 6 7 0 19
1970 to 1979 676 107 30 22 19 43 313 8 36 7 0 24 41 23 3 0
1960 to 1969 472 92 55 12 14 44 134 5 25 0 0 39 10 14 17 11
1950 to 1959 695 146 91 31 0 65 261 8 21 0 6 6 12 23 16 9
1940 to 1949 415 101 32 28 0 32 148 17 8 0 0 0 6 13 23 6
1939 or earlier 637 153 97 0 6 22 265 6 10 0 0 11 0 44 12 14

Purchase Price

Properties acquired by
purchase 1997 to 2001 (part)
1560 329 143 41 33 68 645 37 62 0 0 21 39 79 43 18
Less than $20,000 115 33 6 0 0 0 43 0 11 0 0 0 0 13 9 0
$20,000 to $39,999 226 59 30 0 0 6 100 13 6 0 0 0 12 0 0 0
$40,000 to $59,999 204 43 25 0 0 7 98 0 7 0 0 0 11 7 0 7
$60,000 to $79,999 228 50 0 10 8 11 103 0 9 0 0 7 0 7 16 7
$80,000 to $99,999 163 67 26 0 0 4 44 8 8 0 0 0 0 7 0 0
$100,000 to $124,999 125 21 16 0 0 15 33 8 8 0 0 6 0 6 11 0
$125,000 to $149,999 169 11 6 6 7 8 116 8 7 0 0 0 0 0 0 0
$150,000 to $174,999 48 15 9 0 0 6 5 0 0 0 0 7 5 0 0 0
$175,000 to $199,999 96 19 7 0 16 6 40 0 0 0 0 0 0 0 7 0
$200,000 to $249,999 88 9 0 0 0 0 31 0 0 0 0 0 5 39 0 5
$250,000 to $299,999 44 2 7 6 0 0 24 0 5 0 0 0 0 0 0 0
$300,000 to $499,999 27 1 9 8 2 6 1 0 0 0 0 0 0 0 0 0
$500,000 or more 27 0 2 11 0 0 8 0 0 0 0 0 6 0 0 0
Median 80933 71830 88294 290673 177822 111715 75843 94200 73692 0 0 112486 53874 123747 76275 66645
Mean 106508 78988 112658 292515 155059 127752 101052 82723 81027 0 0 122070 156350 131506 86928 107959
Other properties 2569 490 317 56 44 210 990 15 99 7 6 104 47 99 41 45

Value

Less than $20,000
120 25 8 0 0 6 43 0 18 0 0 0 0 13 9 0
$20,000 to $39,999 322 111 31 7 6 0 125 0 12 0 0 6 0 13 4 6
$40,000 to $59,999 510 112 47 16 6 12 185 21 25 0 0 34 22 17 7 6
$60,000 to $79,999 633 167 68 14 13 38 229 7 16 0 0 16 22 7 28 7
$80,000 to $99,999 542 124 36 16 14 27 230 0 14 0 0 13 25 22 14 7
$100,000 to $124,999 469 105 60 6 0 38 176 8 6 7 6 18 0 18 15 6
$125,000 to $149,999 284 21 38 0 6 23 141 16 6 0 0 0 0 27 0 5
$150,000 to $174,999 268 37 50 0 7 17 113 0 25 0 0 5 5 0 0 9
$175,000 to $199,999 196 19 17 8 4 31 88 0 8 0 0 14 0 8 0 0
$200,000 to $249,999 286 43 45 6 11 14 94 0 9 0 0 11 5 40 0 8
$250,000 to $299,999 147 22 15 0 0 0 79 0 13 0 0 0 0 6 8 5
$300,000 to $499,999 248 23 44 6 8 58 91 0 0 0 0 7 0 5 0 6
$500,000 or more 106 10 2 19 0 15 41 0 8 0 0 0 6 3 0 0
Median 97746 79355 116735 95854 98496 145301 100700 74122 93192 112500 112500 88425 78419 125476 76183 125879
Mean 133045 103071 139278 200246 141512 204292 134215 86867 136078 103300 100000 114217 122395 139590 88288 148625

Value of Capital Improvements

Properties with capital
improvements between 1998
and 2000
1829 368 205 56 40 123 730 10 78 7 6 50 30 63 29 34
Less than $500 40 22 4 0 0 0 7 0 0 0 0 0 0 7 0 0
$500 to $999 70 9 18 0 0 0 22 0 0 0 0 6 0 0 6 9
$1,000 to $2,499 335 94 34 6 7 25 92 0 17 0 6 6 12 20 8 8
$2,500 to $4,999 399 47 47 0 14 18 191 0 29 0 0 13 13 8 7 12
$5,000 to $7,499 428 81 41 22 0 32 199 0 16 7 0 0 6 10 7 6
$7,500 to $9,999 106 40 0 6 0 16 32 10 0 0 0 0 0 3 0 0
$10,000 to $14,999 121 19 17 10 7 9 51 0 8 0 0 0 0 0 0 0
$15,000 to $19,999 93 6 9 0 0 7 55 0 0 0 0 14 0 0 0 0
$20,000 to $29,999 106 27 12 6 0 6 44 0 0 0 0 0 0 11 0 0
$30,000 or more 130 22 23 6 13 10 35 0 7 0 0 11 0 3 0 0
Median 5411 5358 5015 7471 4967 6442 5646 8750 4370 6250 1750 4999 3172 3873 2468 2667
Mean 9814 9584 10327 13482 28261 9406 7993 8000 22874 5300 2000 14243 3045 8729 2736 2436
Properties with no capital
improvements between 1998 and 2000
1750 347 187 42 12 117 728 42 42 0 0 40 45 87 47 12
Capital improvements not
reported
550 104 68 0 25 37 177 0 41 0 0 34 10 28 9 17

Monthly Rental Receipts

Acquired before 2000
3528 665 406 79 63 248 1427 45 137 7 6 102 80 136 76 52
Less than $100 86 15 8 0 0 0 50 0 6 0 0 0 0 7 0 0
$100 to $199 112 35 12 6 0 0 40 0 0 0 0 6 7 7 0 0
$200 to $299 122 30 6 7 0 0 62 0 11 0 0 0 0 0 0 6
$300 to $399 295 96 16 0 6 9 92 5 13 0 0 20 6 8 15 9
$400 to $499 364 101 40 22 7 19 96 10 22 0 0 16 17 4 6 5
$500 to $599 365 72 36 18 7 19 124 7 12 0 0 10 22 20 11 6
$600 to $799 624 99 80 6 13 26 294 0 18 0 6 10 11 22 23 15
$800 to $999 360 60 46 0 7 21 190 8 0 7 0 6 0 0 7 6
$1000 or more 928 98 119 14 16 137 392 8 38 0 0 28 10 54 9 6
No rental receipts 272 59 42 7 6 16 88 6 16 0 0 6 7 15 4 0
Median 691 537 758 505 727 1572926 741 557 565 900 700 561 532 737 630 607
Mean 1708 803 1741 900 810 1425 1003 606 18013 938 600 842 617 997 986 644
Acquired 2000 and 2001 (part) 602 154 54 18 14 30 208 8 24 0 0 22 6 41 9 11

Rental Receipts as Percent of Value@8

Acquired before 2000
3528 665 406 79 63 248 1427 45 137 7 6 102 80 136 76 52
Less than 5 percent 304 56 39 23 0 25 104 0 0 0 0 13 7 9 7 22
5 to 9 percent 1161 201 129 29 21 77 506 14 46 0 6 13 25 46 29 19
10 to 14 percent 1489 278 151 14 35 124 604 25 49 7 0 70 42 56 22 12
15 to 19 percent 98 27 21 0 0 0 47 0 0 0 0 0 0 3 0 0
20 to 24 percent 49 23 2 7 0 0 8 0 5 0 0 0 0 0 4 0
25 to 29 percent 23 0 2 0 0 6 0 0 6 0 0 0 0 0 9 0
30 to 39 percent 5 5 0 0 0 0 0 0 0 0 0 0 0 0 0 0
40 percent or more 41 0 13 0 0 0 20 0 7 0 0 0 0 0 1 0
Median 10 11 10 7 11 11 10 11 11 13 8 12 11 10 10 6
Acquired 2000 and 2001 (part) 602 154 54 18 14 30 208 8 24 0 0 22 6 41 9 11

Rental Vacancy Losses as Percent of
Potential Receipts

Acquired before 2000
3528 665 406 79 63 248 1427 45 137 7 6 102 80 136 76 52
Less than 1.0 percent 1291 240 159 58 20 72 523 26 30 0 0 25 40 36 29 32
1.0 to 2.9 percent 12 5 0 0 0 0 7 0 0 0 0 0 0 0 0 0
3.0 to 4.9 percent 15 0 0 0 0 0 11 0 0 0 0 0 0 3 0 0
5.0 to 6.9 percent 24 6 0 0 0 0 18 0 0 0 0 0 0 0 0 0
7.0 to 8.9 percent 96 0 6 0 0 16 58 0 14 0 0 0 0 3 0 0
9.0 to 10.9 percent 26 7 0 0 0 0 10 0 8 0 0 0 0 0 1 0
11.0 to 12.9 percent 34 6 0 0 0 6 22 0 0 0 0 0 0 0 0 0
13.0 to 14.9 percent 25 0 1 0 0 0 18 0 0 0 6 0 0 0 0 0
15.0 percent or more 282 71 41 0 6 12 87 5 6 0 0 19 7 10 13 6
Not reported or not computed 1723 330 198 21 37 142 673 13 79 7 0 59 33 83 32 15
Median 0.7 0.7 0.7 0.5 0.6 0.7 0.7 0.6 1.0 0.0 14.0 0.9 0.6 0.7 0.7 0.6
Acquired 2000 and 2001 (part) 602 154 54 18 14 30 208 8 24 0 0 22 6 41 9 11

Age Restrictions

Property restricted to people
age 55 or older
403 93 48 12 0 36 148 0 13 0 0 0 10 30 8 5
Property not restricted to people
age 55 or older
3559 687 401 86 64 235 1426 52 142 0 6 113 66 148 76 58
Not reported 168 39 11 0 13 7 61 0 6 7 0 12 10 0 0 0

OWNER CHARACTERISTICS


Type of Owner

Individual investor(s)
3491 671 375 92 58 241 1400 52 136 7 6 106 71 147 73 57
Limited partnership 236 40 32 0 6 14 100 0 7 0 0 15 6 14 1 0
Joint venture 30 0 17 0 0 0 13 0 0 0 0 0 0 0 0 0
General partnership 50 0 12 0 0 0 33 0 5 0 0 0 0 0 0 0
Life insurance company 14 0 0 0 0 0 6 0 0 0 0 0 5 3 0 0
Depository institution 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Public real estate investment trust 11 0 0 0 0 0 11 0 0 0 0 0 0 0 0 0
Private real estate investment trust 5 0 0 0 0 0 0 0 0 0 0 0 5 0 0 0
Corporation - other than real estate
investment trust
177 77 8 6 8 5 41 0 13 0 0 0 0 14 7 0
Housing cooperative organization 5 0 0 0 0 0 0 0 0 0 0 5 0 0 0 0
Non-profit or church-related institution 54 29 3 0 0 0 12 0 0 0 0 0 0 0 4 6
Pension fund 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Fraternal organization 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other 57 3 12 0 5 18 19 0 0 0 0 0 0 0 0 0

MORTGAGE CHARACTERISTICS


Number of Mortgages

1 mortgage
3696 743 432 90 62 247 1444 44 143 7 0 109 74 166 80 55
2 mortgages 369 63 20 7 13 31 168 8 18 0 0 12 12 12 4 0
3 or more mortgages 64 13 8 0 2 0 22 0 0 0 6 4 0 0 0 9

Form of Debt of First Mortgage

Mortgage or deed of trust
4129 819 460 97 77 278 1635 52 161 7 6 125 86 178 84 64
Contract to purchase 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Some other loan secured by this property 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Type of First Mortgage Instrument

Fixed-rate, level-payment mortgage
2965 489 285 62 34 242 1315 26 114 0 0 92 67 144 70 24
Short-term with balloon payment mortgage 277 83 35 6 20 0 68 0 21 0 6 5 12 0 7 13
Reverse mortgage 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Adjustable rate mortgage (ARM) 808 211 140 29 24 36 220 26 21 7 0 27 0 34 7 26
Other 80 36 0 0 0 0 33 0 5 0 0 0 6 0 0 0

Method of Loan Application

By computer over the Internet or
by e-mail
31 0 12 0 0 7 12 0 0 0 0 0 0 0 0 0
By telephone or FAX 466 106 49 8 12 45 183 0 13 7 0 20 0 16 0 6
By regular mail 114 8 21 0 0 18 53 8 7 0 0 0 0 0 0 0
By personal visit 2390 540 269 55 47 108 933 45 89 0 0 49 34 110 73 38
Through third party (such as real
estate agent or builder)
557 54 57 19 4 65 242 0 23 0 6 26 17 19 11 14
Some other way 55 10 0 0 0 7 29 0 0 0 0 0 0 9 0 0
Not reported 309 72 12 0 13 24 102 0 23 0 0 18 30 8 0 5
Not available 207 28 39 14 0 6 81 0 6 0 0 11 5 15 0 0

Origin of First Mortgage

Mortgage made at time property acquired
3032 653 315 62 65 172 1158 42 134 0 0 92 68 144 84 43
Mortgage assumed at the time property
acquired
292 38 47 14 0 11 143 0 6 0 0 11 5 15 0 0
Mortgage placed later than acquisition of
property
805 128 98 21 12 95 334 10 21 7 6 22 12 19 0 21
Refinanced mortgage 696 108 62 21 12 87 297 10 12 7 6 22 12 19 0 21
Same lender 184 31 20 0 0 16 96 0 0 7 0 0 6 7 0 0
Different lender 512 77 41 21 12 71 201 10 12 0 6 22 6 12 0 21
Mortgage placed on property
owned free and clear of debt
109 19 37 0 0 7 37 0 8 0 0 0 0 0 0 0
Not available 0 0 0 0 0 0 0 0 0 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
805 128 98 21 12 95 334 10 21 7 6 22 12 19 0 21
Obtain lower interest rate 428 54 42 6 6 65 229 0 0 0 6 7 6 0 0 6
Increase payment period for mortgage 13 7 0 0 0 0 6 0 0 0 0 0 0 0 0 0
Reduce payment period for mortgage 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Renew or extend loan that had fallen
due, without increasing outstanding
balance
10 3 0 7 0 0 0 0 0 0 0 0 0 0 0 0
Receive cash or increase outstanding
balance of loan
230 45 31 0 6 14 69 10 8 7 0 15 6 12 0 6
Other reason 89 11 19 8 0 16 17 0 12 0 0 0 0 7 0 0
Not reported 35 6 7 0 0 0 13 0 0 0 0 0 0 0 0 9
Other properties 3324 692 362 76 65 183 1301 42 140 0 0 103 74 159 84 43
Not available 0 0 0 0 0 0 0 0 0 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
325 64 51 15 12 33 99 10 5 7 0 4 6 12 0 6
Less than $20,000 135 28 12 7 6 13 43 10 5 0 0 0 0 12 0 0
$20,000 to $39,999 76 20 7 0 6 0 27 0 0 0 0 4 6 0 0 6
$40,000 to $59,999 49 5 14 8 0 7 14 0 0 0 0 0 0 0 0 0
$60,000 to $79,999 34 6 6 0 0 13 9 0 0 0 0 0 0 0 0 0
$80,000 to $99,999 11 5 6 0 0 0 0 0 0 0 0 0 0 0 0 0
$100,000 to $124,999 20 0 6 0 0 0 6 0 0 7 0 0 0 0 0 0
$125,000 to $149,999 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
$150,000 to $174,999 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
$175,000 to $199,999 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
$200,000 to $249,999 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
$250,000 to $299,999 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
$300,000 or more 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Median 27203 24379 49711 41517 19845 49667 25062 10000 10000 112500 0 30000 30000 10000 0 30000
Mean 32949 30967 48774 23936 14907 38136 30142 8000 10000 100000 0 30000 39000 7086 0 23000
Properties that refinanced
and did not receive cash back
362 53 41 6 0 30 200 0 7 0 6 7 6 0 0 6
Properties that refinanced
and did not report if received
cash back
118 11 6 0 0 32 35 0 9 0 0 10 0 7 0 9
Properties that did not
refinance
3324 692 362 76 65 183 1301 42 140 0 0 103 74 159 84 43
Not available 0 0 0 0 0 0 0 0 0 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
325 64 51 15 12 33 99 10 5 7 0 4 6 12 0 6
For additions, improvements or repairs
to this property
91 13 33 7 0 6 5 10 0 0 0 4 0 12 0 0
To consolidate debts 88 15 13 0 12 13 22 0 0 0 0 4 0 8 0 0
For investment in other real estate 91 14 6 0 0 7 45 0 5 7 0 0 6 0 0 0
For other types of investments 31 5 14 0 0 0 6 0 0 0 0 0 0 0 0 6
For educational or medical expenses 7 0 0 0 0 0 7 0 0 0 0 0 0 0 0 0
To start a business 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
To settle a divorce 8 0 0 0 0 0 8 0 0 0 0 0 0 0 0 0
To pay taxes 6 0 0 0 6 0 0 0 0 0 0 0 0 0 0 0
To purchase an automobile, truck, or
other vehicle
8 0 0 0 0 0 8 0 0 0 0 0 0 0 0 0
To purchase consumer product other than
automobile, truck, or other vehicle
6 0 0 0 0 0 6 0 0 0 0 0 0 0 0 0
Other 54 28 6 8 0 6 6 0 0 0 0 0 0 0 0 0
Not reported 5 5 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Properties that refinanced
and did not receive cash back
362 53 41 6 0 30 200 0 7 0 6 7 6 0 0 6
Properties that refinanced
and did not report if received
cash back
118 11 6 0 0 32 35 0 9 0 0 10 0 7 0 9
Properties that did not
refinance
3324 692 362 76 65 183 1301 42 140 0 0 103 74 159 84 43
Not available 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Year First Mortgage Made or
Assumed

1999 to 2001 (part)
1527 314 187 46 28 104 579 23 51 0 0 33 34 93 17 18
1997 and 1998 758 171 34 8 12 70 334 23 31 0 6 0 17 12 32 7
1995 and 1996 515 97 58 7 18 42 213 0 11 0 0 18 6 25 11 9
1990 to 1994 669 88 99 12 7 49 266 0 33 0 0 59 4 29 6 17
1985 to 1989 352 84 57 15 7 7 106 5 15 7 0 6 5 18 13 6
1980 to 1984 118 19 12 9 0 0 70 0 0 0 0 0 0 0 1 8
1979 or earlier 189 46 13 0 6 6 67 0 19 0 0 10 18 0 4 0

Traditional First Mortgage Loan

Less than $20,000
353 87 38 0 0 6 151 0 25 0 0 0 6 22 13 6
$20,000 to $29,999 361 88 23 27 6 0 120 5 26 0 0 16 11 13 4 20
$30,000 to $39,999 416 92 34 0 0 12 167 10 20 0 0 25 29 6 12 7
$40,000 to $49,999 374 79 49 24 14 21 122 13 15 0 0 8 17 7 0 6
$50,000 to $59,999 432 82 49 6 19 34 178 0 12 0 0 11 0 18 22 0
$60,000 to $79,999 560 121 70 5 0 43 272 8 4 0 6 13 0 7 10 0
$80,000 to $99,999 396 83 51 0 0 44 147 8 6 0 0 15 0 35 0 6
$100,000 to $149,999 624 91 55 8 30 63 266 8 32 0 0 20 5 17 15 14
$150,000 to $199,999 307 60 53 6 0 37 93 0 14 0 0 0 5 27 7 5
$200,000 to $249,999 120 9 29 12 2 6 37 0 0 7 0 7 0 10 0 0
$250,000 to $299,999 39 0 0 8 0 7 8 0 5 0 0 0 0 11 0 0
$300,000 or more 54 10 0 0 0 6 29 0 0 0 0 0 6 3 0 0
Not reported 94 18 9 0 6 0 46 0 0 0 0 9 6 0 0 0
Median 62896 56745 69175 48877 58043 90345 64170 48348 45627 225000 70000 58257 37801 88718 55574 38667
Mean 80652 71783 85283 96338 81733 106920 78875 61837 71746 225000 62000 73868 75357 101490 63834 70493

Traditional First Mortgage Outstanding
Debt

Less than $10,000
212 37 13 0 0 6 108 0 12 0 0 4 6 12 4 11
$10,000 to $19,999 353 98 44 14 0 0 113 5 18 0 0 12 19 11 19 0
$20,000 to $29,999 428 116 25 22 12 0 166 0 31 0 0 19 10 13 0 15
$30,000 to $39,999 424 79 40 6 14 23 149 16 27 0 0 21 16 6 14 13
$40,000 to $49,999 421 87 68 16 6 27 149 7 12 0 0 4 13 25 6 0
$50,000 to $59,999 322 42 35 0 7 41 166 0 0 0 6 0 0 0 25 0
$60,000 to $79,999 527 120 57 13 0 35 227 8 10 0 0 29 0 28 0 0
$80,000 to $99,999 464 89 60 0 0 56 191 8 8 0 0 13 0 27 8 6
$100,000 to $149,999 485 69 52 0 30 53 193 8 31 0 0 7 10 17 0 14
$150,000 to $199,999 257 55 34 12 2 20 78 0 7 7 0 0 0 30 7 5
$200,000 to $249,999 66 0 22 6 0 6 20 0 0 0 0 7 0 5 0 0
$250,000 to $299,999 39 4 0 8 0 7 15 0 5 0 0 0 0 0 0 0
$300,000 or more 43 6 0 0 0 6 22 0 0 0 0 0 6 3 0 0
Not reported 88 18 9 0 6 0 40 0 0 0 0 9 6 0 0 0
Median 55683 48141 59920 44344 54748 82571 56830 47061 37487 175000 55000 45300 33368 75800 48227 34599
Mean 72296 64273 76172 87351 73873 95478 70889 58594 65142 173342 55242 63031 70507 92243 54130 62063

Total Mortgage Outstanding Debt

Less than $10,000
197 37 8 0 0 6 103 0 12 0 0 0 6 12 4 11
$10,000 to $19,999 346 103 44 14 0 0 101 5 18 0 0 12 19 11 19 0
$20,000 to $29,999 435 108 30 22 18 0 177 0 31 0 0 19 10 13 0 6
$30,000 to $39,999 415 87 40 6 14 23 132 16 27 0 0 21 16 6 14 13
$40,000 to $49,999 410 73 62 16 6 21 159 7 12 0 0 8 13 25 6 0
$50,000 to $59,999 328 42 41 0 7 41 172 0 0 0 0 0 0 0 25 0
$60,000 to $79,999 513 129 49 13 0 41 212 8 10 0 0 24 0 28 0 0
$80,000 to $99,999 472 81 69 0 0 56 195 0 8 0 6 17 0 27 8 6
$100,000 to $149,999 524 81 52 0 30 53 203 16 31 0 0 7 10 17 0 23
$150,000 to $199,999 262 55 34 12 0 20 85 0 7 7 0 0 0 30 7 5
$200,000 to $249,999 51 0 14 6 0 6 20 0 0 0 0 0 0 5 0 0
$250,000 to $299,999 30 4 6 8 0 0 7 0 5 0 0 0 0 0 0 0
$300,000 or more 69 6 2 0 2 12 30 0 0 0 0 7 6 3 0 0
Not reported 76 12 9 0 0 0 40 0 0 0 0 9 6 0 0 0
Median 56822 49330 59931 44344 50607 82571 57289 47061 37487 175000 90000 47630 33368 75800 48227 85311
Mean 74793 64702 77601 87351 80798 99823 74176 65099 65142 173342 81748 74599 65459 92336 54130 76405

Current Interest Rate on First Mortgage

Less than 6.0 percent
1606 336 166 21 57 13 666 0 90 0 6 57 51 81 22 40
6.0 percent 27 0 0 0 0 0 14 0 0 0 0 7 0 0 6 0
6.1 to 6.4 percent 54 0 12 8 0 0 23 0 0 0 0 4 0 0 6 0
6.5 to 6.9 percent 165 45 8 5 7 40 44 5 0 0 0 11 0 0 0 0
7.0 percent 282 76 36 0 0 38 110 0 0 0 0 0 0 7 15 0
7.1 to 7.4 percent 221 38 28 0 0 37 91 0 0 0 0 19 0 0 9 0
7.5 to 7.9 percent 262 42 4 6 0 46 151 0 0 0 0 0 0 6 0 6
8.0 percent 132 14 0 0 0 31 55 10 12 0 0 0 0 0 10 0
8.1 to 8.4 percent 119 30 30 10 0 13 30 0 0 0 0 0 7 0 0 0
8.5 to 8.9 percent 176 34 10 7 0 34 55 8 0 7 0 0 5 0 4 12
9.0 percent 70 9 7 0 0 6 20 8 6 0 0 14 0 0 0 0
9.1 to 9.4 percent 86 45 7 0 0 7 21 0 6 0 0 0 0 0 0 0
9.5 to 9.9 percent 51 24 0 0 0 0 17 0 6 0 0 0 0 4 0 0
10.0 percent 22 6 0 0 0 0 7 0 0 0 0 0 0 0 9 0
10.1 to 10.4 percent 27 6 6 0 0 0 7 0 0 0 0 0 0 8 0 0
10.5 to 10.9 percent 23 6 0 0 0 0 4 7 0 0 0 5 0 0 0 0
11.0 percent 81 22 6 12 0 0 16 6 12 0 0 0 0 7 0 0
11.1 to 12.9 percent 78 5 36 9 0 7 13 8 0 0 0 0 0 0 0 0
13.0 percent 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
13.1 percent or more 648 80 104 20 13 6 292 0 29 0 0 7 23 64 4 6
Not reported 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Median 7.1 7.0 7.2 8.5 4.1 7.6 7.1 9.0 5.4 8.8 3.0 6.1 5.0 7.5 7.1 4.8

Points Paid as Interest on First
Mortgage

With mortgage placed
3888 791 413 83 77 267 1532 52 155 7 6 114 80 162 84 64
No points 752 225 68 43 0 108 183 8 22 0 0 35 7 6 47 0
Less than 1 point 41 10 0 0 0 10 22 0 0 0 0 0 0 0 0 0
1 point 32 13 8 0 0 0 5 0 0 0 0 0 0 0 0 7
1.1 to 1.9 points 47 4 3 0 0 33 6 0 0 0 0 0 0 0 0 0
2 points 15 0 0 0 0 7 8 0 0 0 0 0 0 0 0 0
2.1 to 2.9 points 26 0 6 0 0 14 5 0 0 0 0 0 0 0 0 0
3 points 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
3.1 to 3.9 points 15 0 0 0 0 15 0 0 0 0 0 0 0 0 0 0
4 points 7 0 0 0 0 0 7 0 0 0 0 0 0 0 0 0
4.1 to 4.9 points 17 0 0 0 0 7 10 0 0 0 0 0 0 0 0 0
5 points 5 5 0 0 0 0 0 0 0 0 0 0 0 0 0 0
5.1 to 5.9 points 7 0 0 0 0 7 0 0 0 0 0 0 0 0 0 0
6 points or more 33 0 0 0 0 26 0 0 0 0 0 0 0 6 0 0
Not reported or don't know 2891 534 327 40 77 39 1287 44 133 7 6 79 74 150 37 57
With mortgage assumed 242 28 47 14 0 11 103 0 6 0 0 11 5 15 0 0

Type of Interest Rate Buydown

Properties with interest rate
buydown
41 0 0 0 0 0 41 0 0 0 0 0 0 0 0 0
Constant payment 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
3-2-1 buydown 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other 5 0 0 0 0 0 5 0 0 0 0 0 0 0 0 0
Not reported 35 0 0 0 0 0 35 0 0 0 0 0 0 0 0 0
Properties without interest
rate buydown
1489 319 160 63 7 247 474 52 34 7 0 44 12 12 41 18
Not reported 2599 500 300 34 70 32 1120 0 128 0 6 81 74 166 43 46

Term of First Mortgage

Less than 5 years
37 23 0 0 0 0 0 0 0 0 0 0 0 6 9 0
5 years 49 27 22 0 0 0 0 0 0 0 0 0 0 0 0 0
6 to 9 years 22 22 0 0 0 0 0 0 0 0 0 0 0 0 0 0
10 years 69 45 3 0 0 0 0 0 0 0 0 14 0 0 6 0
11 to 14 years 18 12 0 0 0 0 0 0 0 0 0 0 0 0 6 0
15 years 314 67 27 23 0 29 122 0 0 0 0 11 7 0 16 12
16 to 19 years 4 4 0 0 0 0 0 0 0 0 0 0 0 0 0 0
20 years 89 48 6 5 0 12 0 0 0 0 0 13 0 0 0 6
21 to 24 years 5 0 0 0 0 0 5 0 0 0 0 0 0 0 0 0
25 years 27 4 9 8 0 0 0 0 0 0 0 5 0 0 0 0
26 to 29 years 9 0 0 0 0 0 9 0 0 0 0 0 0 0 0 0
30 years 1301 133 156 34 7 237 575 52 43 7 0 22 10 18 7 0
More than 30 years 25 8 0 0 0 0 7 0 6 0 0 0 0 0 4 0
No stated term 2161 425 237 27 70 0 918 0 111 0 6 60 69 154 37 46
Median 30 16 30 26 31 30 30 31 31 31 0 21 30 30 15 16

Unexpired Term of First Mortgage

Less than 5 years
117 63 15 0 0 6 7 0 6 0 0 6 0 6 9 0
5 to 9 years 193 69 23 9 0 4 61 0 0 0 0 0 0 0 16 11
10 to 14 years 305 86 45 31 0 25 73 5 0 0 0 31 7 0 3 0
15 to 19 years 226 52 10 25 7 19 68 0 0 7 0 13 0 0 19 7
20 to 24 years 232 19 44 0 0 51 88 0 10 0 0 15 0 4 0 0
25 to 29 years 747 73 79 6 0 156 346 47 15 0 0 0 10 14 0 0
30 or more years 149 31 6 0 0 18 75 0 19 0 0 0 0 0 0 0
No stated term or not computed 2161 425 237 27 70 0 918 0 111 0 6 60 69 154 37 46
Median 23 14 22 14 18 26 26 27 28 18 0 14 26 26 10 9

Servicer of First Mortgage

Commercial bank or trust company
932 784 0 0 0 0 109 33 0 0 0 0 0 0 0 6
Savings and loan association, federal
savings bank
461 0 438 0 0 0 16 0 0 7 0 0 0 0 0 0
Mutual savings bank 77 0 0 77 0 0 0 0 0 0 0 0 0 0 0 0
Life insurance company 77 0 0 0 77 0 0 0 0 0 0 0 0 0 0 0
Mortgage banker or mortgage company 1907 35 22 21 0 278 1505 19 16 0 0 0 5 6 0 0
Federally-sponsored secondary market
agency or pool
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Conventional mortgage pool 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other federal agency 145 0 0 0 0 0 0 0 145 0 0 0 0 0 0 0
Real estate investment trust 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Pension or retirement fund 6 0 0 0 0 0 0 0 0 0 6 0 0 0 0 0
Credit union 130 0 0 0 0 0 5 0 0 0 0 125 0 0 0 0
Finance company 81 0 0 0 0 0 0 0 0 0 0 0 81 0 0 0
State or municipal government or
housing finance agency
171 0 0 0 0 0 0 0 0 0 0 0 0 171 0 0
Individual or individual's estate 84 0 0 0 0 0 0 0 0 0 0 0 0 0 84 0
Other 58 0 0 0 0 0 0 0 0 0 0 0 0 0 0 58

Holder's Acquisition of First Mortgage

Originated directly from borrower
2107 564 292 70 50 58 700 10 76 0 6 71 53 79 52 27
Purchased from present servicer 1060 164 77 0 14 140 460 8 49 7 0 35 20 54 10 21
Purchased from someone else 962 92 91 27 13 81 476 34 36 0 0 18 12 44 22 16
Not reported 0 0 0 0 0 0 0 0 0 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
3056 631 303 76 60 167 1238 42 123 0 0 85 67 148 78 38
Less than 40 percent 72 7 6 11 6 0 24 0 14 0 0 0 0 0 4 0
40 to 49 percent 84 7 2 0 0 6 60 0 0 0 0 0 0 9 0 0
50 to 59 percent 112 15 12 7 0 0 54 5 5 0 0 0 0 10 3 0
60 to 69 percent 314 99 23 0 16 4 139 0 7 0 0 5 22 0 0 0
70 to 79 percent 357 50 46 13 11 29 159 0 6 0 0 14 0 20 0 8
80 to 89 percent 562 123 39 27 7 37 185 24 31 0 0 12 0 38 22 18
90 to 94 percent 209 6 46 6 6 25 73 0 8 0 0 15 17 0 7 0
95 to 99 percent 248 47 23 0 6 25 88 0 18 0 0 6 4 18 7 6
100 percent or more 1026 264 105 12 7 41 409 13 35 0 0 29 18 52 34 7
Not reported 70 13 0 0 0 0 46 0 0 0 0 5 6 0 0 0
Median 90 95 93 82 77 92 89 87 90 0 0 93 93 89 97 86
Other properties 1074 188 157 21 17 112 397 10 38 7 6 40 19 30 6 26
Not available 0 0 0 0 0 0 0 0 0 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
3056 631 303 76 60 167 1238 42 123 0 0 85 67 148 78 38
Less than 40 percent 60 7 18 11 6 0 18 0 0 0 0 0 0 0 0 0
40 to 49 percent 108 11 7 0 0 6 62 0 0 0 0 6 7 9 0 0
50 to 59 percent 111 13 12 7 0 8 52 0 5 0 0 0 0 10 3 0
60 to 69 percent 547 159 43 0 16 30 201 11 15 0 0 18 15 0 31 8
70 to 79 percent 518 84 60 22 4 48 207 15 12 0 0 30 0 20 14 0
80 to 89 percent 553 132 54 18 14 27 193 16 31 0 0 6 0 38 0 23
90 to 94 percent 154 5 25 0 6 25 53 0 8 0 0 7 17 0 7 0
95 to 99 percent 228 38 21 0 6 21 95 0 18 0 0 6 4 18 0 0
100 percent or more 707 168 63 18 7 0 311 0 35 0 0 6 18 52 23 7
Not reported 70 13 0 0 0 0 46 0 0 0 0 5 6 0 0 0
Median 83 83 82 79 83 78 83 77 90 0 0 75 93 89 74 85
Other properties 1074 188 157 21 17 112 397 10 38 7 6 40 19 30 6 26
Not available 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

First Mortgage Risk

Subprime loan
301 16 31 0 8 13 150 15 0 0 6 4 25 28 6 0
Not subprime loan 3828 804 429 97 69 265 1485 37 161 7 0 120 61 149 79 64
Not reported 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Total Outstanding Debt as a Percent
of Value

Less than 20 percent
260 69 20 5 0 22 95 0 22 0 0 7 6 6 4 5
20 to 29 percent 276 42 34 7 6 20 99 5 6 0 0 13 19 6 0 18
30 to 39 percent 314 41 45 12 12 21 152 0 0 0 0 9 0 17 6 0
40 to 49 percent 526 88 57 30 13 37 216 0 20 0 0 0 11 25 14 15
50 to 59 percent 758 115 93 24 20 47 327 0 56 0 0 42 27 6 0 0
60 to 69 percent 416 95 34 0 7 21 156 10 7 0 0 18 12 34 21 0
70 to 79 percent 621 135 56 19 16 59 209 28 14 0 0 7 0 41 25 11
80 to 89 percent 387 73 71 0 0 33 151 0 11 0 6 6 5 8 15 9
90 to 99 percent 211 36 25 0 0 7 100 8 12 0 0 0 0 22 0 0
100 percent or more 269 113 14 0 2 11 76 0 13 7 0 14 0 13 0 7
Not reported or not computed 90 12 9 0 0 0 54 0 0 0 0 9 6 0 0 0
Median 58 65 57 48 54 58 57 74 56 50050 85 57 52 68 69 46

Index Used to Adjust Interest Rate
on ARM

Properties with adjustable
rate first mortgage
888 247 140 29 24 36 253 26 26 7 0 27 6 34 7 26
Treasury security 222 102 43 8 0 10 29 6 0 7 0 4 0 0 0 12
Average cost of funds in bank district 56 7 43 0 0 0 6 0 0 0 0 0 0 0 0 0
National average cost of funds 15 10 0 0 0 0 0 5 0 0 0 0 0 0 0 0
OTS contract mortgage rate 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other method 124 41 13 0 0 6 30 15 0 0 0 7 0 6 0 5
No index used 18 5 0 0 0 14 0 0 0 0 0 0 0 0 0 0
Not reported 452 82 40 21 24 5 188 0 26 0 0 16 6 28 7 9
Other properties 3241 572 320 68 53 242 1382 26 135 0 6 97 80 144 77 37
Not reported 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Frequency With Which Rate Can Be
Adjusted

Properties with adjustable
rate first mortgage
888 247 140 29 24 36 253 26 26 7 0 27 6 34 7 26
Monthly 93 13 49 0 0 6 19 0 0 0 0 0 0 6 0 0
Every 3 months 13 0 0 0 0 0 0 0 0 0 0 7 0 0 0 5
Every 6 months 45 7 0 0 0 0 17 21 0 0 0 0 0 0 0 0
Yearly 198 88 44 8 0 10 25 5 0 7 0 4 0 0 0 6
Every 3 years 50 36 14 0 0 0 0 0 0 0 0 0 0 0 0 0
Every 5 years 33 18 0 0 0 0 9 0 0 0 0 0 0 0 0 7
Other 8 8 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Not reported 449 77 33 21 24 19 183 0 26 0 0 16 6 28 7 9
Other properties 3241 572 320 68 53 242 1382 26 135 0 6 97 80 144 77 37
Not reported 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Interest Rate Changed Since
Mortgage Made

Properties with adjustable
rate first mortgage
888 247 140 29 24 36 253 26 26 7 0 27 6 34 7 26
Yes, rate has changed 305 99 90 8 0 12 50 11 0 7 0 11 0 6 0 11
No change since mortgage made 127 71 10 0 0 5 20 15 0 0 0 0 0 0 0 7
Not reported 456 77 40 21 24 19 183 0 26 0 0 16 6 28 7 9
Other properties 3241 572 320 68 53 242 1382 26 135 0 6 97 80 144 77 37
Not reported 0 0 0 0 0 0 0 0 0 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
31 17 14 0 0 0 0 0 0 0 0 0 0 0 0 0
Payments can change monthly 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Payments can change every three months 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Payments can change every six months 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Payments can change yearly 31 17 14 0 0 0 0 0 0 0 0 0 0 0 0 0
Payments can change every 3 years 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Payments can change every 5 years 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Not reported 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Monthly payments cannot
change
3651 725 406 76 53 259 1461 52 135 7 6 109 80 149 77 55
Not reported 447 77 40 21 24 19 174 0 26 0 0 16 6 28 7 9

First Mortgage Allows for Negative
Amortization

Monthly payments can change
(other than change in interest
rate)
31 17 14 0 0 0 0 0 0 0 0 0 0 0 0 0
Yes, unrestricted negative amortization 2 0 2 0 0 0 0 0 0 0 0 0 0 0 0 0
Yes, restricted negative amortization 15 8 7 0 0 0 0 0 0 0 0 0 0 0 0 0
No negative amortization allowed 14 9 5 0 0 0 0 0 0 0 0 0 0 0 0 0
Not reported 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Monthly payments cannot change 3651 725 406 76 53 259 1461 52 135 7 6 109 80 149 77 55
Not reported 447 77 40 21 24 19 174 0 26 0 0 16 6 28 7 9

MORTGAGE PAYMENTS AND OTHER EXPENSES


Method of Payment of First Mortgage

Regular payments of interest
and/or principal
3883 742 445 97 69 276 1564 52 140 7 6 108 63 172 77 64
Interest and principal 3870 742 437 97 69 276 1564 52 140 7 6 108 63 166 77 64
Fully amortized 3547 655 394 91 50 276 1477 52 118 7 0 102 51 153 70 51
Not fully amortized 323 87 43 6 20 0 87 0 22 0 6 6 12 13 7 13
Interest only 13 0 7 0 0 0 0 0 0 0 0 0 0 6 0 0
No regular payments required 13 4 0 0 0 2 8 0 0 0 0 0 0 0 0 0
Not reported 233 73 15 0 8 0 64 0 21 0 0 17 23 6 7 0

Items Included in First Mortgage
Payment@1

Regular monthly payments of
both interest and principal
3870 742 437 97 69 276 1564 52 140 7 6 108 63 166 77 64
Real estate taxes 943 63 84 35 7 200 472 19 22 7 0 10 5 6 7 6
Property insurance 901 55 84 21 7 194 465 19 22 0 0 10 5 6 7 6
Mortgage insurance 190 7 4 0 0 37 137 0 0 0 0 0 5 0 0 0
Other 320 10 25 21 0 75 159 13 0 7 0 10 0 0 0 0
No items included or not reported 2860 676 344 62 63 58 1064 26 118 0 6 97 58 160 70 58
No regular payments of interest
and principal
259 77 23 0 8 2 71 0 21 0 0 17 23 12 7 0

Monthly Interest and Principal Payments
on First Mortgage

Monthly payments of interest
and/or principal
3883 742 445 97 69 276 1564 52 140 7 6 108 63 172 77 64
Less than $100 113 9 0 0 0 87 17 0 0 0 0 0 0 0 0 0
$100 to $199 211 40 12 0 6 6 100 5 15 0 0 7 0 10 5 6
$200 to $299 441 93 62 13 7 13 155 10 27 0 0 12 12 31 0 5
$300 to $399 478 86 37 7 0 8 247 6 7 0 0 17 27 20 13 6
$400 to $499 519 92 59 37 25 38 190 7 17 0 6 12 6 7 0 22
$500 to $599 379 94 45 5 0 23 153 8 0 0 0 10 7 14 15 6
$600 to $699 288 72 34 0 0 20 131 0 13 0 0 5 0 3 10 0
$700 to $799 277 42 53 0 0 11 130 8 7 0 0 17 0 0 8 0
$800 to $899 202 50 19 8 7 0 79 0 8 0 0 7 0 23 0 0
$900 to $999 172 16 18 0 0 13 102 0 4 0 0 6 0 12 0 0
$1,000 to $1,249 298 41 36 0 17 12 111 8 31 0 0 7 5 20 10 0
$1,250 to $1,499 184 33 23 0 5 19 65 0 0 0 0 0 0 21 7 11
$1,500 or more 322 75 46 26 2 27 84 0 13 7 0 7 6 12 9 8
Median 547 555 621 476 488 466 547 471 638 500750 450 561 372 807 659 467
Mean 1402 800 2370 20689 746 615 669 526 730 1620 426 653 889 798 858 694
No regular payments required 13 4 0 0 0 2 8 0 0 0 0 0 0 0 0 0
Not reported 233 73 15 0 8 0 64 0 21 0 0 17 23 6 7 0

Current First Mortgage Payment Status

Regular monthly payments of
principal and/or interest
4116 815 460 97 77 276 1627 52 161 7 6 125 86 178 84 64
Up-to-date, ahead of schedule, or
less than 90 days past due
1684 323 199 63 7 276 587 52 25 7 0 54 12 12 47 18
Delinquent by 90 days or more 26 0 0 0 0 0 13 0 12 0 0 0 0 0 0 0
Legal proceedings have begun 12 0 0 0 0 0 0 0 12 0 0 0 0 0 0 0
Legal proceedings have not begun 5 0 0 0 0 0 5 0 0 0 0 0 0 0 0 0
Not reported 8 0 0 0 0 0 8 0 0 0 0 0 0 0 0 0
Not reported 2407 492 261 34 70 0 1027 0 124 0 6 70 74 166 37 46
Other properties 13 4 0 0 0 2 8 0 0 0 0 0 0 0 0 0

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

Acquired before 2000 and
regular payments of interest
and/or princi
3316 594 390 79 55 246 1371 45 116 7 6 93 57 136 69 52
Less than 20 percent 138 10 13 5 0 75 18 0 16 0 0 0 0 0 1 0
20 to 29 percent 108 11 17 0 0 18 43 0 0 0 0 7 0 10 0 0
30 to 39 percent 158 15 0 0 6 30 79 0 0 0 0 4 0 14 4 6
40 to 49 percent 308 50 17 0 0 56 137 5 11 0 0 9 6 5 0 12
50 to 59 percent 279 42 61 6 7 6 124 10 12 0 0 0 5 0 0 6
60 to 69 percent 374 32 52 6 10 7 197 16 4 0 0 15 4 16 7 7
70 to 79 percent 309 35 40 7 6 13 140 7 6 0 6 12 11 5 20 0
80 to 89 percent 285 74 23 0 6 0 127 0 13 0 0 17 5 13 0 6
90 to 99 percent 226 26 51 18 7 0 99 0 0 0 0 4 12 8 0 0
100 percent or more 786 229 64 30 7 25 276 0 30 7 0 19 7 43 33 16
Not reported or not computed 345 69 50 7 6 16 130 6 23 0 0 6 7 22 4 0
Median 74 89 72 97 73 37 72 63 75 50050 75 77 78 85 960 65
Other properties 813 226 70 18 22 32 264 8 45 0 0 32 29 41 15 11

Real Estate Tax Per $1,000 Value

Acquired before 2000
3528 665 406 79 63 248 1427 45 137 7 6 102 80 136 76 52
Less than $5 297 60 34 0 0 29 139 0 5 0 0 9 0 11 4 6
$5 to $9 1545 284 179 35 44 121 599 8 68 0 6 46 39 76 7 33
$10 to $14 646 88 55 15 5 24 312 5 17 0 0 27 20 28 41 8
$15 to $19 415 99 43 7 7 54 143 17 5 0 0 10 10 9 10 0
$20 to $24 217 37 34 6 6 6 83 6 14 0 0 0 5 9 4 6
$25 to $29 143 44 19 10 0 6 45 8 0 0 0 0 0 3 9 0
$30 to $39 214 40 32 7 0 8 87 0 27 7 0 6 0 0 1 0
$40 to $49 5 0 0 0 0 0 5 0 0 0 0 0 0 0 0 0
$50 to $59 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
$60 or more 6 6 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Not reported or not computed 40 7 9 0 0 0 14 0 0 0 0 5 6 0 0 0
Median 10 10 10 11 9 9 10 17 10 35 8 9 10 9 13 8
Acquired 2000 and 2001 (part) 602 154 54 18 14 30 208 8 24 0 0 22 6 41 9 11

Real Estate Tax as Percent of Rental
Receipts

Acquired before 2000
3528 665 406 79 63 248 1427 45 137 7 6 102 80 136 76 52
Less than 5 percent 206 24 35 0 0 31 94 0 13 0 0 9 0 0 1 0
5 to 9 percent 1038 211 89 5 24 81 449 0 39 0 0 33 20 54 7 25
10 to 14 percent 708 115 74 22 12 25 288 18 19 0 6 26 30 25 47 0
15 to 19 percent 474 88 53 8 13 47 187 13 23 0 0 12 10 12 7 0
20 to 24 percent 294 34 44 14 0 34 113 0 21 0 0 6 0 14 3 11
25 to 29 percent 181 58 33 0 0 0 60 8 0 7 0 6 0 0 0 9
30 to 34 percent 88 23 12 0 7 13 26 0 0 0 0 0 0 0 7 0
35 to 39 percent 44 14 0 17 0 0 6 0 0 0 0 0 0 0 0 8
40 percent or more 96 16 7 6 0 0 52 0 0 0 0 0 7 9 0 0
Not reported or not computed 399 82 58 7 6 16 151 6 23 0 0 10 13 22 4 0
Median 12 12 13 20 12 11 12 15 12 28 13 11 12 11 13 21
Acquired 2000 and 2001 (part) 602 154 54 18 14 30 208 8 24 0 0 22 6 41 9 11

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