U.S. Department of Commerce

Residential Finance Survey

Skip top of page navigation
You are here: Census.govPeople and HouseholdsResidential Finance Survey MainData › ›

Residential Finance Survey: 2001 - Midwest
Table 6-3c. Mortgage Insurance Status, Rental and Vacant 5- to 49-Housing-Unit Mortgaged Properties
^Number of mortgaged properties.
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.
@5Includes first mortgages that are guaranteed by the VA or Rural Housing Service/Rural Development or 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
rental market during all of year preceding survey and cooperatively owned apartments^^
or guaranteed first mortgage
Total mortgaged
properties
FHA
first mortgage
Other
insured or guaranteed
first mortgage@5
Properties with
privately-insured
first mortgage
Not insured

5- to 49-housing-unit properties
with traditional first mortgage
76303 6000 7847 6997 55459

PROPERTY CHARACTERISTICS


Property Location by Geographic Area

Inside MAs
56445 5176 3506 6222 41540
In central cities 29302 3164 1276 2171 22692
Not in central cities 27142 2012 2230 4052 18848
Outside MAs 19858 824 4340 775 13919

Number of Housing Units

5 to 9 housing units
41190 2238 3214 4411 31328
10 to 19 housing units 19507 2169 1448 1380 14510
20 to 29 housing units 8635 741 1882 574 5439
30 to 39 housing units 3565 398 928 139 2101
40 to 49 housing units 3406 454 375 494 2082

Manner of Acquisition

By purchase
71815 5812 7501 6374 52129
Placed one new mortgage 58761 4650 6050 5239 42823
Placed two or more new mortgages 5883 667 422 603 4190
Assumed mortgage(s) already on property 2572 495 933 251 894
Assumed mortgage(s) already on property
and placed new mortgage
282 0 59 145 79
Borrowed using assets other than this
property as collateral
1989 0 0 135 1854
Paid all cash-no borrowing 1387 0 37 0 1350
Other manner 939 0 0 0 939
By inheritance or gift 646 0 44 0 602
By divorce 0 0 0 0 0
By tax free exchange of
other property
252 57 0 0 195
By foreclosure or assignment 0 0 0 0 0
By some other manner 821 34 78 0 709
Not reported 2769 97 224 624 1825

Source of Downpayment@1

Properties purchased
1995 to 2001 (part)
38849 2576 2342 3469 30461
Sale of stock or other partnership
shares for this project
1966 129 0 0 1837
Sale of previously owned stocks,
shares, or other securities
644 0 0 365 280
Sale of land or other real estate 2826 296 0 38 2492
Owner's cash, bank deposits,
share accounts, or bonds
17043 1246 1014 1644 13139
Borrowing from a retirement plan 180 0 0 0 180
Borrowing using assets other than this
property as collateral
5233 0 218 494 4521
Proceeds from an insurance policy 210 0 210 0 0
From a state or local government source 177 0 107 0 70
From a non-profit organization 0 0 0 0 0
Proceeds from sale of tax credits 1059 455 128 0 475
From parents or relatives 1727 52 57 0 1618
Other cash source 1257 0 282 57 918
Non-cash source 29 0 0 0 29
No downpayment required 4169 36 395 363 3374
Not reported 5166 362 183 508 4112
Other properties 36091 3386 5504 3323 23877
Not reported 1364 37 0 205 1121

Year Property Acquired

1999 to 2001 (part)
19187 584 1668 1772 15164
1997 and 1998 13647 1413 377 1414 10442
1995 and 1996 7607 651 298 488 6171
1990 to 1994 13883 1782 1490 1048 9564
1985 to 1989 8393 653 1272 1951 4517
1980 to 1984 5624 387 1346 61 3830
1975 to 1979 4571 470 1044 199 2859
1970 to 1974 2308 60 205 65 1978
1969 or earlier 1083 0 148 0 935

Building and Land Acquisition

Acquired at same time
60193 5032 5028 5642 44492
Not acquired at same time 12150 621 2312 558 8660
Land not owned by building owner 832 129 0 171 531
Not reported 3129 219 507 627 1776

Property New or Previously Owned When
Acquired

Acquired by purchase
71815 5812 7501 6374 52129
New 16575 1502 3937 621 10514
Previously owned 53035 4159 3360 5400 40116
As residential property 49523 3800 3291 5400 37032
Converted from nonresidential use 3512 359 68 0 3085
Other 484 0 0 0 484
Not reported 1721 151 204 352 1014
Other properties 1719 91 122 0 1506
Not reported 2769 97 224 624 1825

Year Structure Built

1999 to March 2000
2587 70 238 0 2279
1997 and 1998 3705 0 43 569 3092
1995 and 1996 1958 395 198 0 1365
1990 to 1994 6463 652 1213 609 3989
1980 to 1989 8800 1545 2430 724 4101
1970 to 1979 18476 1119 2220 2494 12643
1960 to 1969 11357 1165 402 886 8903
1950 to 1959 4250 0 457 301 3491
1940 to 1949 4081 140 461 582 2898
1939 or earlier 14627 914 184 831 12698

Purchase Price Per Housing Unit@8

Properties acquired by
purchase 1997 to 2001 (part)
31822 1925 2045 2981 24870
Less than $20,000 6931 31 354 77 6469
$20,000 to $39,999 14539 1615 1240 1329 10355
$40,000 to $59,999 5722 73 85 948 4617
$60,000 to $79,999 1496 77 285 57 1078
$80,000 to $99,999 1081 0 0 11 1070
$100,000 to $124,999 435 0 0 0 435
$125,000 to $149,999 699 0 81 561 57
$150,000 to $174,999 0 0 0 0 0
$175,000 to $199,999 220 0 0 0 220
$200,000 to $249,999 453 129 0 0 324
$250,000 to $299,999 130 0 0 0 130
$300,000 to $499,999 115 0 0 0 115
$500,000 or more 0 0 0 0 0
Median 32353 31532 30781 41798 31523
Mean 42707 42978 36667 56886 41483
Other properties 44481 4075 5802 4016 30589

Value

Less than $100,000
2898 0 502 0 2397
$100,000 to $199,999 12031 375 743 1299 9615
$200,000 to $299,999 12455 836 706 1354 9559
$300,000 to $399,999 10599 508 1229 1261 7600
$400,000 to $499,999 6889 797 809 391 4893
$500,000 to $749,999 8965 1141 1285 845 5695
$750,000 to $999,999 7470 525 550 744 5652
$1,000,000 to $1,499,999 7644 363 1327 581 5373
$1,500,000 to $1,999,999 1873 322 190 326 1034
$2,000,000 to $2,999,999 2143 468 43 186 1446
$3,000,000 to $3,999,999 1754 297 360 11 1087
$4,000,000 to $4,999,999 108 0 0 0 108
$5,000,000 or more 1474 368 103 0 1002
Median 402446 606122 491988 367074 381035
Mean 733538 1201235 821503 558823 692536

Value Per Housing Unit@8

Less than $20,000
8681 344 1720 400 6217
$20,000 to $39,999 34414 1758 3022 3670 25963
$40,000 to $59,999 13667 1547 1323 1147 9650
$60,000 to $79,999 7237 1169 964 685 4418
$80,000 to $99,999 1762 120 0 150 1493
$100,000 to $124,999 2273 0 8 11 2255
$125,000 to $149,999 2530 182 62 582 1704
$150,000 to $174,999 1372 0 0 0 1372
$175,000 to $199,999 1100 0 118 0 982
$200,000 to $249,999 1519 446 392 352 329
$250,000 to $299,999 827 269 179 0 380
$300,000 to $499,999 58 0 58 0 0
$500,000 or more 862 165 0 0 697
Median 37127 51612 34581 36884 36572
Mean 61278 90136 54216 54739 59980

Purchase Price as Percent of Value@8

Acquired by purchase
71815 5812 7501 6374 52129
Purchased 1997 to 2001 (part) 31822 1925 2045 2981 24870
Less than 60 percent 4233 558 608 384 2683
60 to 69 percent 1846 0 0 0 1846
70 to 79 percent 3879 0 432 281 3166
80 to 99 percent 13655 706 480 1480 10988
100 percent or more 8209 661 525 835 6187
Median 89 91 80 91 89
Purchased 1990 to 1996 (part) 19574 2376 1625 1182 14391
Less than 40 percent 2252 42 134 119 1955
40 to 59 percent 1731 436 0 93 1202
60 to 79 percent 5596 360 333 310 4593
80 to 99 percent 5640 1073 284 252 4030
100 percent or more 4288 464 806 408 2610
Median 81 87 435 85 78
Purchased 1989 or earlier 20419 1511 3831 2210 12867
Less than 20 percent 1679 0 161 0 1519
20 to 39 percent 2921 75 85 862 1899
40 to 59 percent 4422 336 322 1075 2690
60 to 79 percent 4234 478 773 221 2762
80 to 99 percent 2040 0 923 0 1117
100 percent or more 5044 573 1566 52 2852
Median 65 73 92 45 62
Not acquired by purchase 4488 188 346 624 3330

Value of Capital Improvements

Properties with capital
improvements between 1998
and 2000
41021 4597 5836 2567 28021
Less than $5,000 8491 460 588 412 7031
$5,000 to $9,999 8671 948 1533 341 5848
$10,000 to $24,999 11846 2141 1125 1070 7510
$25,000 to $49,999 6003 351 633 418 4602
$50,000 to $74,999 1747 129 298 0 1319
$75,000 to $99,999 836 0 475 90 271
$100,000 to $149,999 1444 185 508 0 750
$150,000 to $199,999 381 71 0 0 310
$200,000 to $299,999 755 0 453 0 302
$300,000 or more 848 312 222 238 76
Median 14241 16239 20611 17455 12258
Mean 334617 2708398 74223 40510 26352
Properties with no capital
improvements between 1998 and 2000
20514 643 881 2782 16208
Capital improvements not
reported
14768 760 1130 1648 11230

Value of Capital Improvements Per Unit

Properties with capital
improvements between 1998
and 2000
41021 4597 5836 2567 28021
Less than $500 9113 731 1142 596 6644
$500 to $999 7935 876 1142 430 5487
$1,000 to $2,499 15009 2293 1460 839 10416
$2,500 to $4,999 4269 71 463 90 3644
$5,000 to $7,499 1106 129 137 374 465
$7,500 to $9,999 1021 185 210 45 580
$10,000 to $14,999 300 43 75 0 182
$15,000 to $19,999 743 0 743 0 0
$20,000 to $29,999 850 0 284 0 566
$30,000 or more 677 269 179 193 36
Median 1346 1453 1651 1460 1271
Mean 40509 337301 6475 4950 2163
Properties with no capital
improvements between 1998 and 2000
20514 643 881 2782 16208
Capital improvements not
reported
14768 760 1130 1648 11230

Monthly Rental Receipts Per Housing Unit

Acquired before 2000
63378 5644 7163 5906 44665
Less than $100 4247 121 653 759 2715
$100 to $199 6811 521 692 1495 4103
$200 to $299 9076 347 1482 568 6679
$300 to $399 13498 931 1404 2076 9087
$400 to $499 9994 880 880 108 8127
$500 to $599 6194 670 321 123 5080
$600 to $799 4592 568 257 466 3300
$800 to $999 3820 438 722 236 2423
$1000 or more 4968 1168 751 76 2973
No rental receipts 178 0 0 0 178
Median 385 503 354 306 396
Mean 655 952 1252 346 563
Acquired 2000 and 2001 (part) 12925 356 684 1091 10794

Rental Receipts as Percent of Value@8

Acquired before 2000
63378 5644 7163 5906 44665
Less than 5 percent 1726 71 39 91 1526
5 to 9 percent 20896 1652 1927 2912 14406
10 to 14 percent 18511 1563 2657 1502 12790
15 to 19 percent 13272 1557 1250 1026 9438
20 to 24 percent 4295 525 220 271 3279
25 to 29 percent 1463 0 365 30 1068
30 to 39 percent 1209 0 199 11 1000
40 percent or more 1710 277 507 65 861
Median 12 14 13 10 12
Acquired 2000 and 2001 (part) 12925 356 684 1091 10794

Rental Vacancy Losses as Percent of
Potential Receipts

Acquired before 2000
63378 5644 7163 5906 44665
Less than 1.0 percent 9235 949 1267 624 6394
1.0 to 2.9 percent 7458 956 1161 1099 4242
3.0 to 4.9 percent 6078 391 796 208 4683
5.0 to 6.9 percent 6523 861 773 824 4065
7.0 to 8.9 percent 3872 82 640 57 3093
9.0 to 10.9 percent 2238 381 404 0 1453
11.0 to 12.9 percent 1991 505 119 147 1221
13.0 to 14.9 percent 1344 0 100 425 818
15.0 percent or more 8485 987 572 357 6569
Not reported or not computed 16154 531 1331 2166 12126
Median 5.3 5.6 4.2 4.4 5.5
Acquired 2000 and 2001 (part) 12925 356 684 1091 10794

Age Restrictions

Property restricted to people
age 55 or older
23323 2260 3158 1276 16628
Property not restricted to people
age 55 or older
49737 3470 4401 5367 36499
Not reported 3243 269 288 354 2332

Age Composition

Over one-half the residents of the
building age 55 or older
5115 106 409 914 3685
Over one-half the residents of the
building not age 55 or older
42982 2826 3775 4347 32034
Not reported 28206 3068 3662 1736 19740

Meal Service Provided by Properties
Exclusively or Predominantly Occupied by
People Age 55 or Older

Property provides meal service
12909 1090 1620 537 9661
Charge included in rent 10009 698 1127 349 7835
Charge not included in rent 79 0 0 0 79
Not reported 2821 392 493 188 1748
Property does not provide meal
service
8260 907 1726 1428 4199
Not reported 55134 4003 4500 5031 41599

Type of Property Benefits@1

Government-sponsored below-market
interest rate mortgage loan
4521 37 2719 0 1765
Government rental subsidy 8967 1321 2333 1166 4147
Government grant 299 77 0 57 165
Property tax relief 1722 272 200 0 1250
Federal income tax credit for
low-income, old or historic properties
1752 119 874 65 693
Accelerated federal income tax
depreciation for low- and
moderate-income properties
66 0 0 0 66
Subsidy from a non-profit corporation 112 34 78 0 0
None of the above benefits 57126 4188 3337 5114 44487
Not reported 5689 269 393 718 4309

Source of Property Benefits@1

With property benefits
13488 1543 4117 1166 6663
Federal government 9344 799 3632 849 4063
State government 2095 174 420 619 882
Local government 2698 753 165 0 1781
Non-profit corporation 112 34 78 0 0
Not reported 179 0 0 0 179
With no property benefits 57126 4188 3337 5114 44487
Not reported 5689 269 393 718 4309

Reason for Benefits@1

With property benefits
13488 1543 4117 1166 6663
Occupied by low- or moderate-income
individuals
11198 1543 4001 849 4804
Occupied by elderly or disabled
individuals
4633 341 2246 403 1643
A historic structure 314 43 0 0 271
Located in a community development or
economic development area
1128 0 0 0 1128
Covered by a Homestead Exemption 0 0 0 0 0
Covered by a Community Land Trust 0 0 0 0 0
Covered by disaster relief 0 0 0 0 0
Other reason 40 0 0 0 40
Not reported 1006 0 0 0 1006
With no property benefits 57126 4188 3337 5114 44487
Not reported 5689 269 393 718 4309

Section 8 Rental Housing Certificates
and Vouchers

Property did or does have tenants
receiving Section 8 assistance
19682 2200 2693 2228 12560
Property has never had tenants
receiving Section 8 assistance
48649 3091 4852 3402 37305
Not reported 7972 709 302 1367 5594

OWNER CHARACTERISTICS


Type of Owner

Individual investor(s)
40886 2726 2200 3689 32270
Limited partnership 13934 1995 3213 1555 7171
Joint venture 1725 84 0 0 1642
General partnership 3976 269 651 327 2729
Life insurance company 0 0 0 0 0
Depository institution 165 165 0 0 0
Public real estate investment trust 127 0 0 0 127
Private real estate investment trust 120 0 0 0 120
Corporation - other than real estate
investment trust
9187 494 1090 436 7167
Housing cooperative organization 34 0 0 0 34
Non-profit or church-related institution 2659 34 610 517 1498
Pension fund 0 0 0 0 0
Fraternal organization 0 0 0 0 0
Other 3488 233 82 473 2701

MORTGAGE CHARACTERISTICS


Number of Mortgages

1 mortgage
67205 4941 6245 6354 49665
2 mortgages 8261 1016 1251 643 5351
3 or more mortgages 837 43 351 0 443

Form of Debt of First Mortgage

Mortgage or deed of trust
76303 6000 7847 6997 55459
Contract to purchase 0 0 0 0 0
Some other loan secured by this property 0 0 0 0 0

Method of Loan Application

By computer over the Internet or
by e-mail
0 0 0 0 0
By telephone or FAX 7684 356 316 812 6200
By regular mail 4955 595 1609 57 2694
By personal visit 49322 3121 3883 5156 37163
Through third party (such as real
estate agent or builder)
4984 826 666 148 3345
Some other way 1895 152 164 199 1380
Not reported 6560 890 801 416 4453
Not available 902 60 408 210 225

Origin of First Mortgage

Mortgage made at time property acquired
57274 4556 5911 4835 41972
Mortgage assumed at the time property
acquired
2744 554 1050 262 877
Mortgage placed later than acquisition of
property
16286 889 885 1900 12610
Refinanced mortgage 14947 889 885 1702 11470
Same lender 4498 140 262 0 4097
Different lender 10449 750 623 1702 7374
Mortgage placed on property
owned free and clear of debt
1339 0 0 199 1140
Not available 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
16286 889 885 1900 12610
Obtain lower interest rate 7681 813 442 1175 5251
Increase payment period for mortgage 84 26 0 0 58
Reduce payment period for mortgage 834 0 0 0 834
Renew or extend loan that had fallen
due, without increasing outstanding
balance
1395 0 0 0 1395
Receive cash or increase outstanding
balance of loan
3026 0 407 40 2579
Other reason 1929 50 37 686 1157
Not reported 1337 0 0 0 1337
Other properties 60017 5111 6961 5097 42849
Not available 0 0 0 0 0

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

Properties on which cash
received
4772 50 407 527 3790
Less than $100,000 2381 50 0 61 2271
$100,000 to $199,999 728 0 228 40 460
$200,000 to $299,999 253 0 0 0 253
$300,000 to $399,999 276 0 0 0 276
$400,000 to $499,999 886 0 0 426 460
$500,000 to $749,999 0 0 0 0 0
$750,000 to $999,999 0 0 0 0 0
$1,000,000 to $1,499,999 71 0 0 0 71
$1,500,000 to $1,999,999 0 0 0 0 0
$2,000,000 to $2,999,999 0 0 0 0 0
$3,000,000 to $3,999,999 0 0 0 0 0
$4,000,000 to $4,999,999 0 0 0 0 0
$5,000,000 or more 179 0 179 0 0
Not reported 0 0 0 0 0
Median 100702 50000 189229 438218 83446
Mean 357069 50000 2296283 385427 149109
Properties that refinanced
and did not receive cash back
9200 840 479 917 6964
Properties that refinanced
and did not report if received
cash back
2313 0 0 457 1857
Properties that did not
refinance
60017 5111 6961 5097 42849
Not available 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
4772 50 407 527 3790
For additions, improvements or repairs
to this property
2447 50 407 100 1891
To consolidate debts 1487 0 407 0 1081
For investment in other real estate 1368 0 228 61 1079
For other types of investments 232 0 0 0 232
For educational or medical expenses 396 0 228 0 168
To start a business 0 0 0 0 0
To settle a divorce 0 0 0 0 0
To pay taxes 34 0 0 0 34
To purchase an automobile, truck, or
other vehicle
0 0 0 0 0
To purchase consumer product other than
automobile, truck, or other vehicle
0 0 0 0 0
Other 647 0 0 426 221
Not reported 189 0 0 0 189
Properties that refinanced
and did not receive cash back
9200 840 479 917 6964
Properties that refinanced
and did not report if received
cash back
2313 0 0 457 1857
Properties that did not
refinance
60017 5111 6961 5097 42849
Not available 0 0 0 0 0

Purpose of Second Mortgage

Properties with second
mortgage
7305 676 1275 643 4711
Provide funds for the purchase of this
property
2919 195 335 302 2086
Provide funds for additions,
improvements or repairs to this
property
2345 43 371 341 1590
Provide funds for consolidation of debts 0 0 0 0 0
Provide funds for investment in other
real estate
61 0 0 0 61
Provide funds for other types of
investments
0 0 0 0 0
Provide funds for educational or
medical expenses
0 0 0 0 0
Provide funds for starting a business 0 0 0 0 0
Provide funds to settle a divorce 0 0 0 0 0
Provide funds to pay taxes 0 0 0 0 0
Provide funds to purchase automobile,
truck, or vehicle
44 0 0 0 44
Provide funds to purchase another type
of consumer product
0 0 0 0 0
Other reasons 852 122 359 0 372
Not reported 1084 316 210 0 558
Other properties 68998 5324 6571 6354 50748

Purpose of Line of Credit

Properties with second
mortgage or line of credit
1993 426 326 0 1241
Provide funds for additions,
improvements or repairs to this
property
506 198 0 0 307
Provide funds for consolidation of debts 0 0 0 0 0
Provide funds for investment in other
real estate
200 192 0 0 8
Provide funds for other types of
investments
0 0 0 0 0
Provide funds for educational or
medical expenses
0 0 0 0 0
Provide funds for starting a business 0 0 0 0 0
Provide funds to settle a divorce 0 0 0 0 0
Provide funds to pay taxes 0 0 0 0 0
Provide funds to purchase automobile,
truck, or vehicle
0 0 0 0 0
Provide funds to purchase another type
of consumer product
0 0 0 0 0
Other reasons 532 0 282 0 249
Not reported 756 36 44 0 677
Other properties 74310 5574 7520 6997 54218

Year First Mortgage Made or
Assumed

1999 to 2001 (part)
31669 745 2067 2399 26459
1997 and 1998 14474 1804 662 1768 10240
1995 and 1996 6783 836 599 312 5036
1990 to 1994 11803 1563 1854 1571 6815
1985 to 1989 4043 421 577 882 2164
1980 to 1984 2678 205 1003 0 1470
1979 or earlier 4853 427 1085 65 3276

Traditional First Mortgage Loan

Less than $50,000
2794 0 61 0 2733
$50,000 to $99,999 9065 205 385 1290 7186
$100,000 to $149,999 9752 341 1227 879 7305
$150,000 to $199,999 9923 503 676 1061 7683
$200,000 to $249,999 5076 464 695 699 3218
$250,000 to $299,999 5401 1079 401 829 3093
$300,000 to $399,999 5594 0 171 473 4950
$400,000 to $499,999 6610 513 1054 334 4710
$500,000 to $749,999 8195 739 1479 341 5636
$750,000 to $999,999 4171 461 430 870 2410
$1,000,000 to $1,499,999 3740 466 581 82 2611
$1,500,000 to $1,999,999 1497 165 55 129 1148
$2,000,000 or more 1676 533 216 11 916
Not reported 2808 532 415 0 1862
Median 243972 411779 406816 214561 220483
Mean 426598 728258 504694 339589 396352

Total Mortgage Loan

Less than $50,000
2794 0 61 0 2733
$50,000 to $99,999 7171 205 175 1290 5501
$100,000 to $149,999 10424 341 986 879 8218
$150,000 to $199,999 9480 503 887 759 7331
$200,000 to $249,999 5146 464 218 701 3764
$250,000 to $299,999 4852 763 401 829 2859
$300,000 to $399,999 5883 0 125 473 5285
$400,000 to $499,999 7308 634 1248 634 4792
$500,000 to $749,999 8218 739 1476 341 5663
$750,000 to $999,999 4552 656 536 870 2491
$1,000,000 to $1,499,999 3947 466 639 82 2760
$1,500,000 to $1,999,999 1619 165 98 129 1226
$2,000,000 or more 2101 533 583 11 974
Not reported 2808 532 415 0 1862
Median 259514 459416 465256 236104 231912
Mean 477856 754834 890731 352429 408724

Traditional First Mortgage Outstanding
Debt

Less than $50,000
7054 375 389 199 6091
$50,000 to $99,999 10665 231 673 1376 8385
$100,000 to $149,999 10403 539 1410 897 7556
$150,000 to $199,999 7217 652 506 1244 4815
$200,000 to $249,999 6361 979 612 947 3822
$250,000 to $299,999 3924 0 170 193 3561
$300,000 to $399,999 6506 560 462 588 4896
$400,000 to $499,999 6771 419 1182 226 4944
$500,000 to $749,999 5868 514 945 500 3908
$750,000 to $999,999 2976 149 454 606 1768
$1,000,000 to $1,499,999 3340 353 411 154 2422
$1,500,000 to $1,999,999 1303 280 0 57 967
$2,000,000 or more 1109 418 216 11 464
Not reported 2808 532 415 0 1862
Median 205957 240734 286588 190126 194483
Mean 366972 614846 431524 300496 341412

Total Mortgage Outstanding Debt

Less than $50,000
6461 375 321 199 5566
$50,000 to $99,999 9877 231 463 1376 7808
$100,000 to $149,999 10443 496 1380 897 7670
$150,000 to $199,999 6597 336 216 641 5405
$200,000 to $249,999 6774 1295 495 1249 3735
$250,000 to $299,999 3928 0 170 193 3565
$300,000 to $399,999 6612 365 416 889 4943
$400,000 to $499,999 7340 657 1376 226 5081
$500,000 to $749,999 5794 514 942 500 3838
$750,000 to $999,999 3334 149 618 606 1961
$1,000,000 to $1,499,999 3536 353 454 154 2575
$1,500,000 to $1,999,999 1364 280 0 57 1028
$2,000,000 or more 1520 418 583 11 509
Not reported 2722 532 415 0 1775
Median 220153 244657 418626 214313 198880
Mean 399418 569108 727605 309627 345955

Current Interest Rate on First Mortgage

Less than 6.0 percent
27093 1594 2209 3724 19565
6.0 percent 47 0 0 0 47
6.1 to 6.4 percent 653 195 193 86 179
6.5 to 6.9 percent 2370 155 363 255 1597
7.0 percent 5342 0 0 1408 3934
7.1 to 7.4 percent 5078 112 1198 0 3768
7.5 to 7.9 percent 7022 376 402 0 6244
8.0 percent 3690 0 182 0 3508
8.1 to 8.4 percent 2709 252 249 0 2209
8.5 to 8.9 percent 5594 84 626 0 4884
9.0 percent 2313 158 458 0 1698
9.1 to 9.4 percent 692 220 113 0 360
9.5 to 9.9 percent 906 115 245 0 546
10.0 percent 536 240 135 40 121
10.1 to 10.4 percent 859 781 0 0 78
10.5 to 10.9 percent 751 175 334 0 242
11.0 percent 200 71 81 0 49
11.1 to 12.9 percent 645 342 303 0 0
13.0 percent 230 0 0 0 230
13.1 percent or more 9571 1132 755 1485 6200
Not reported 0 0 0 0 0
Median 7.3 9.2 7.5 5.6 7.4

Type of Interest Rate Buydown

Properties with interest rate
buydown
47 0 0 0 47
Constant payment 0 0 0 0 0
3-2-1 buydown 0 0 0 0 0
Other 0 0 0 0 0
Not reported 47 0 0 0 47
Properties without interest
rate buydown
35596 680 5097 1394 28425
Not reported 40660 5320 2749 5603 26987

Term of First Mortgage

Less than 5 years
3221 0 0 11 3211
5 years 2670 0 0 32 2638
6 to 9 years 1687 0 0 0 1687
10 years 3830 32 0 86 3713
11 to 14 years 682 0 0 0 682
15 years 3668 155 57 40 3416
16 to 19 years 1162 0 59 0 1103
20 years 4792 0 249 0 4543
21 to 24 years 515 0 118 0 397
25 years 1920 0 0 0 1920
26 to 29 years 717 182 0 0 535
30 years 11253 5631 237 1226 4159
More than 30 years 4464 0 4377 0 87
No stated term 35722 0 2749 5603 27369
Median 21 30 59 30 16

Unexpired Term of First Mortgage

Less than 5 years
6159 215 0 42 5902
5 to 9 years 7162 473 59 125 6505
10 to 14 years 5046 131 137 0 4778
15 to 19 years 5923 508 509 0 4906
20 to 24 years 6647 1731 391 1226 3300
25 to 29 years 5287 2679 610 0 1998
30 or more years 4356 264 3392 0 701
No stated term or not computed 35722 0 2749 5603 27369
Median 17 25 47 22 12

Holder of First Mortgage

Commercial bank or trust company
23758 1795 681 1367 19916
Savings and loan association, federal
savings bank
9282 599 156 1203 7323
Mutual savings bank 1801 0 211 208 1382
Life insurance company 1587 220 0 40 1327
Mortgage banker or mortgage company 1756 0 0 618 1138
Federally-sponsored secondary market
agency or pool
21734 2765 1236 2959 14774
Conventional mortgage pool 491 0 0 0 491
Other federal agency 5183 0 4450 47 687
Real estate investment trust 0 0 0 0 0
Pension or retirement fund 28 0 0 0 28
Credit union 2860 269 37 0 2553
Finance company 417 0 0 93 324
State or municipal government or
housing finance agency
2609 192 1076 339 1002
Individual or individual's estate 2645 0 0 0 2645
Other 2153 160 0 124 1870

Servicer of First Mortgage

Commercial bank or trust company
24016 1768 681 1367 20200
Savings and loan association, federal
savings bank
9760 599 156 1203 7802
Mutual savings bank 1801 0 211 208 1382
Life insurance company 909 220 0 40 649
Mortgage banker or mortgage company 23740 2834 1244 3576 16086
Federally-sponsored secondary market
agency or pool
0 0 0 0 0
Conventional mortgage pool 450 0 0 0 450
Other federal agency 5183 0 4450 47 687
Real estate investment trust 0 0 0 0 0
Pension or retirement fund 0 0 0 0 0
Credit union 2860 269 37 0 2553
Finance company 417 0 0 93 324
State or municipal government or
housing finance agency
2601 192 1068 339 1002
Individual or individual's estate 2645 0 0 0 2645
Other 1921 117 0 124 1680

Holder's Acquisition of First Mortgage

Originated directly from borrower
48677 3000 1790 3088 40800
Purchased from present servicer 17052 989 5576 2673 7814
Purchased from someone else 10574 2011 480 1237 6845
Not reported 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
56391 4979 6615 4473 40323
Less than 40 percent 2498 353 742 77 1325
40 to 49 percent 688 0 91 158 439
50 to 59 percent 2408 598 482 86 1242
60 to 69 percent 6700 486 419 711 5085
70 to 79 percent 5288 64 387 776 4062
80 to 89 percent 10503 692 194 503 9115
90 to 94 percent 2090 455 226 215 1195
95 to 99 percent 4033 0 950 83 3001
100 percent or more 19358 1788 2642 1865 13064
Not reported 2823 543 483 0 1797
Median 89 90 98 89 88
Other properties 19912 1021 1231 2524 15136
Not available 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
56391 4979 6615 4473 40323
Less than 40 percent 2405 122 917 163 1204
40 to 49 percent 1121 0 0 158 963
50 to 59 percent 1699 161 106 0 1432
60 to 69 percent 15155 1464 2358 1175 10159
70 to 79 percent 6967 333 118 776 5740
80 to 89 percent 10651 692 0 472 9488
90 to 94 percent 1628 0 676 215 737
95 to 99 percent 3393 0 1127 83 2184
100 percent or more 10695 1714 898 1433 6651
Not reported 2676 495 415 0 1767
Median 79 82 69 80 80
Other properties 19912 1021 1231 2524 15136
Not available 0 0 0 0 0

First Mortgage Risk

Subprime loan
2539 295 505 483 1257
Not subprime loan 73764 5705 7342 6514 54202
Not reported 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
56391 4979 6615 4473 40323
Less than 40 percent 1763 232 425 77 1029
40 to 49 percent 765 122 91 158 394
50 to 59 percent 2840 598 833 86 1323
60 to 69 percent 5018 290 209 408 4110
70 to 79 percent 5380 64 395 776 4145
80 to 89 percent 10070 692 378 503 8497
90 to 94 percent 3000 455 183 517 1844
95 to 99 percent 4734 0 1136 83 3515
100 percent or more 19998 1984 2481 1865 13668
Not reported 2823 543 483 0 1797
Median 92 92 97 92 90
Other properties 19912 1021 1231 2524 15136
Not available 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
56391 4979 6615 4473 40323
Less than 40 percent 6757 528 839 918 4472
40 to 49 percent 3923 71 367 241 3244
50 to 59 percent 6256 1041 985 545 3684
60 to 69 percent 10318 748 218 906 8446
70 to 79 percent 7099 806 416 336 5540
80 to 89 percent 8077 120 1162 1053 5743
90 to 94 percent 4442 771 149 302 3219
95 to 99 percent 1225 36 577 0 612
100 percent or more 5616 364 1487 172 3594
Not reported 2676 495 415 0 1767
Median 70 68 82 66 69
Other properties 19912 1021 1231 2524 15136
Not available 0 0 0 0 0

Total Outstanding Debt as a Percent
of Value

Less than 20 percent
6018 60 271 246 5441
20 to 29 percent 4559 546 427 519 3067
30 to 39 percent 7665 547 1010 1251 4858
40 to 49 percent 10083 1290 554 158 8080
50 to 59 percent 8636 1022 923 1668 5022
60 to 69 percent 12210 627 546 1354 9684
70 to 79 percent 6438 645 194 553 5046
80 to 89 percent 7669 455 1288 753 5173
90 to 99 percent 4457 276 851 339 2991
100 percent or more 5846 0 1368 156 4322
Not reported or not computed 2722 532 415 0 1775
Median 60 53 70 58 60

Index Used to Adjust Interest Rate
on ARM

Properties with adjustable
rate first mortgage
20108 809 534 1390 17376
Treasury security 6102 0 0 340 5762
Average cost of funds in bank district 1225 0 0 0 1225
National average cost of funds 475 0 0 0 475
OTS contract mortgage rate 0 0 0 0 0
Other method 2990 0 0 11 2980
No index used 365 0 0 0 365
Not reported 8951 809 534 1039 6570
Other properties 56195 5191 7313 5608 38083
Not reported 0 0 0 0 0

Frequency With Which Rate Can Be
Adjusted

Properties with adjustable
rate first mortgage
20108 809 534 1390 17376
Monthly 1499 0 0 0 1499
Every 3 months 0 0 0 0 0
Every 6 months 548 0 0 0 548
Yearly 4829 0 0 340 4488
Every 3 years 2172 0 0 0 2172
Every 5 years 1552 0 0 0 1552
Other 1904 0 0 11 1894
Not reported 7604 809 534 1039 5222
Other properties 56195 5191 7313 5608 38083
Not reported 0 0 0 0 0

Caps on Interest Rate Per Adjustment
Period

Properties with adjustable
rate first mortgage
20108 809 534 1390 17376
Less than 1 percent 0 0 0 0 0
1 percent 0 0 0 0 0
1.1 to 1.9 percent 46 0 0 0 46
2 percent 3401 0 0 0 3401
2.1 to 2.9 percent 163 0 0 0 163
3 percent 1142 0 0 0 1142
3.1 to 3.9 percent 0 0 0 0 0
4.0 percent or more 647 0 0 255 393
No caps 5418 0 0 96 5321
Not reported 9291 809 534 1039 6910
Other properties 56195 5191 7313 5608 38083
Not reported 0 0 0 0 0

Caps on Interest Rate Over Life of ARM

Properties with adjustable
rate first mortgage
20108 809 534 1390 17376
Less than 1 percent 0 0 0 0 0
1 percent 0 0 0 0 0
1.1 to 1.9 percent 0 0 0 0 0
2 percent 0 0 0 0 0
2.1 to 2.9 percent 0 0 0 0 0
3 percent 0 0 0 0 0
3.1 to 3.9 percent 204 0 0 0 204
4.0 percent or more 5245 0 0 255 4990
No caps 5543 0 0 96 5446
Not reported 9117 809 534 1039 6735
Other properties 56195 5191 7313 5608 38083
Not reported 0 0 0 0 0

Interest Rate Changed Since
Mortgage Made

Properties with adjustable
rate first mortgage
20108 809 534 1390 17376
Yes, rate has changed 6182 0 0 351 5831
No change since mortgage made 5889 0 0 0 5889
Not reported 8038 809 534 1039 5656
Other properties 56195 5191 7313 5608 38083
Not reported 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
149 0 0 0 149
Payments can change monthly 0 0 0 0 0
Payments can change every three months 0 0 0 0 0
Payments can change every six months 0 0 0 0 0
Payments can change yearly 0 0 0 0 0
Payments can change every 3 years 0 0 0 0 0
Payments can change every 5 years 0 0 0 0 0
Other 149 0 0 0 149
Not reported 0 0 0 0 0
Monthly payments cannot
change
68160 5191 7313 5959 49698
Not reported 7993 809 534 1039 5612

First Mortgage Allows for Negative
Amortization

Monthly payments can change
(other than change in interest
rate)
149 0 0 0 149
Yes, unrestricted negative amortization 0 0 0 0 0
Yes, restricted negative amortization 0 0 0 0 0
No negative amortization allowed 149 0 0 0 149
Not reported 0 0 0 0 0
Monthly payments cannot change 68160 5191 7313 5959 49698
Not reported 7993 809 534 1039 5612

MORTGAGE PAYMENTS AND OTHER EXPENSES


Method of Payment of First Mortgage

Regular payments of interest
and/or principal
71417 5214 7432 6888 51882
Interest and principal 70981 5214 7432 6888 51447
Fully amortized 53561 5155 3035 6171 39201
Not fully amortized 17420 60 4396 717 12246
Interest only 435 0 0 0 435
No regular payments required 1242 0 0 0 1242
Not reported 3645 786 415 109 2335

Items Included in First Mortgage
Payment@1

Regular monthly payments of
both interest and principal
70981 5214 7432 6888 51447
Real estate taxes 10906 894 523 1266 8224
Property insurance 6072 894 282 1226 3670
Mortgage insurance 1117 738 0 354 25
Other 2530 707 582 354 887
No items included or not reported 60016 4321 6850 5622 43223
No regular payments of interest
and principal
5322 786 415 109 4012

Monthly Interest and Principal
Payments on First Mortgage Per
Housing Unit

Regular monthly payments of
interest and/or principal
75061 6000 7847 6997 54218
Less than $100 13263 314 3070 1125 8754
$100 to $199 23100 1490 1663 1858 18089
$200 to $299 12340 1673 1048 1377 8242
$300 to $399 6637 397 256 411 5573
$400 to $499 3184 36 726 691 1731
$500 to $599 3360 115 0 208 3037
$600 to $699 2034 120 0 0 1914
$700 to $799 1306 0 392 374 540
$800 to $899 556 0 0 352 203
$900 to $999 234 72 0 0 162
$1,000 to $1,249 1192 182 37 426 547
$1,250 to $1,499 1437 129 0 0 1307
$1,500 or more 2775 688 239 65 1783
Not reported 3645 786 415 109 2335
Median 197 248 139 233 195
Mean 585 2419 326 353 468
No regular payments required 1242 0 0 0 1242

Current First Mortgage Payment Status

Regular monthly payments of
principal and/or interest
75061 6000 7847 6997 54218
Up-to-date, ahead of schedule, or
less than 90 days past due
35549 894 5097 1394 28164
Delinquent by 90 days or more 0 0 0 0 0
Legal proceedings have begun 0 0 0 0 0
Legal proceedings have not begun 0 0 0 0 0
Not reported 0 0 0 0 0
Not reported 39513 5106 2749 5603 26054
Other properties 1242 0 0 0 1242

Monthly Interest and Principal Payments
on Total Mortgages Per Housing Unit

Regular monthly payments of
interest and/or principal
75061 6000 7847 6997 54218
Less than $100 16285 1100 3430 1234 10520
$100 to $199 21555 1490 1417 1858 16791
$200 to $299 13117 1673 1349 1074 9021
$300 to $399 7785 397 256 713 6420
$400 to $499 3067 36 367 691 1973
$500 to $599 3301 115 0 208 2978
$600 to $699 1859 120 0 0 1739
$700 to $799 1540 0 392 374 773
$800 to $899 556 0 0 352 203
$900 to $999 234 72 0 0 162
$1,000 to $1,249 1192 182 37 426 547
$1,250 to $1,499 1437 129 0 0 1307
$1,500 or more 3134 688 598 65 1783
Not reported 0 0 0 0 0
Median 199 225 135 238 199
Mean 604 2108 715 351 455
No regular payments required 1242 0 0 0 1242

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

Acquired before 2000 and
regular payments of interest
and/or princi
59455 4858 6748 5797 42051
Less than 20 percent 5082 385 1151 209 3337
20 to 29 percent 5397 189 1164 145 3898
30 to 39 percent 6214 1053 659 496 4006
40 to 49 percent 9492 1436 625 608 6823
50 to 59 percent 7918 413 1427 718 5360
60 to 69 percent 4635 276 493 576 3291
70 to 79 percent 3947 357 321 618 2651
80 to 89 percent 2221 0 240 0 1981
90 to 99 percent 1178 0 144 107 927
100 percent or more 13073 748 524 2320 9481
Not reported or not computed 296 0 0 0 296
Median 54 46 46 72 55
Other properties 16848 1142 1099 1200 13408

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

Acquired before 2000 and regular
payments of interest and/or
principal
59455 4858 6748 5797 42051
Less than 20 percent 4594 385 1143 209 2857
20 to 29 percent 4705 189 1164 106 3245
30 to 39 percent 5833 931 621 536 3745
40 to 49 percent 10319 1557 625 608 7529
50 to 59 percent 7688 413 1068 718 5489
60 to 69 percent 4923 276 493 576 3579
70 to 79 percent 3919 357 321 618 2623
80 to 89 percent 2267 0 286 0 1981
90 to 99 percent 936 0 85 107 744
100 percent or more 13974 748 943 2320 9963
Not reported or not computed 296 0 0 0 296
Median 55 46 47 72 56
Other properties 16848 1142 1099 1200 13408

Real Estate Tax Per Housing Unit

Acquired before 2000
63378 5644 7163 5906 44665
Less than $100 5682 199 638 537 4308
$100 to $199 3886 50 137 906 2793
$200 to $299 7980 579 1065 1456 4881
$300 to $399 7012 298 1118 783 4813
$400 to $499 6571 523 675 348 5025
$500 to $599 4742 60 618 268 3796
$600 to $699 3754 647 500 55 2551
$700 to $799 3726 402 302 145 2878
$800 to $899 3899 258 347 257 3037
$900 to $999 2270 403 122 151 1594
$1,000 to $1,249 4614 340 211 80 3984
$1,250 to $1,499 2401 262 0 80 2060
$1,500 to $1,999 2763 938 444 457 925
$2,000 to $2,499 601 115 0 11 476
$2,500 or more 2486 523 571 374 1018
Not reported 990 50 415 0 525
Median 501 816 462 307 507
Mean 775 1360 889 605 707
Acquired 2000 and 2001 (part) 12925 356 684 1091 10794

Real Estate Tax Per $1,000 Value

Acquired before 2000
63378 5644 7163 5906 44665
Less than $5 11677 199 687 1676 9115
$5 to $9 8392 709 891 432 6359
$10 to $14 11717 601 1694 1834 7588
$15 to $19 8773 1306 943 473 6050
$20 to $24 11662 1557 1018 863 8224
$25 to $29 3531 441 18 168 2904
$30 to $39 6635 780 1497 459 3899
$40 to $49 0 0 0 0 0
$50 to $59 0 0 0 0 0
$60 or more 0 0 0 0 0
Not reported or not computed 990 50 415 0 525
Median 15 20 16 12 14
Acquired 2000 and 2001 (part) 12925 356 684 1091 10794

Real Estate Tax as Percent of Rental
Receipts

Acquired before 2000
63378 5644 7163 5906 44665
Less than 5 percent 8087 445 684 837 6121
5 to 9 percent 17623 1345 2116 2514 11648
10 to 14 percent 14553 1407 1775 414 10956
15 to 19 percent 11488 1108 1409 1349 7622
20 to 24 percent 3782 633 449 255 2445
25 to 29 percent 1889 0 59 0 1829
30 to 34 percent 1592 0 51 80 1461
35 to 39 percent 248 0 122 93 33
40 percent or more 2830 656 82 365 1728
Not reported or not computed 1287 50 415 0 822
Median 12 14 12 9 12
Acquired 2000 and 2001 (part) 12925 356 684 1091 10794

Property Management

Property managed by paid property
management company
29903 3479 5232 2273 18919
Property not managed by paid property
management company
40101 1997 2326 3498 32279
Not reported 6299 524 288 1226 4261

Property Management and Administration
Expenses Per Housing Unit

Acquired before 2000
63378 5644 7163 5906 44665
Less than $100 1313 118 78 0 1117
$100 to $199 2251 151 91 34 1975
$200 to $299 4564 423 219 545 3376
$300 to $399 4455 632 853 178 2792
$400 to $499 2085 186 164 52 1683
$500 to $599 1962 323 773 155 710
$600 to $699 1590 43 758 0 789
$700 to $799 1241 58 683 135 365
$800 to $899 523 120 48 0 356
$900 to $999 649 152 182 0 314
$1,000 to $1,249 814 316 261 57 180
$1,250 to $1,499 841 416 18 0 408
$1,500 to $1,999 967 455 0 0 511
$2,000 to $2,499 332 0 0 0 332
$2,500 or more 1915 696 571 76 572
No expenses 26369 1247 1329 2983 20810
Not reported or not computed 11507 307 1134 1691 8375
Median 408 893 623 321 346
Acquired 2000 and 2001 (part) 12925 356 684 1091 10794

Maintenance and Repair Expenses
Per Housing Unit

Acquired before 2000
63378 5644 7163 5906 44665
Less than $100 1698 71 0 0 1626
$100 to $199 4656 316 155 117 4068
$200 to $299 4955 484 146 257 4068
$300 to $399 5206 216 768 413 3809
$400 to $499 3583 487 882 617 1597
$500 to $599 3623 428 446 255 2493
$600 to $699 2233 32 192 57 1952
$700 to $799 2001 62 527 86 1326
$800 to $899 2770 0 593 374 1803
$900 to $999 1516 0 404 0 1112
$1,000 to $1,249 3932 622 339 885 2086
$1,250 to $1,499 2713 789 260 0 1665
$1,500 to $1,999 2936 328 417 410 1781
$2,000 to $2,499 1001 72 165 0 764
$2,500 or more 4344 1207 656 0 2482
No expenses 1955 0 8 395 1552
Not reported or not computed 14257 529 1206 2041 10481
Median 596 1185 773 723 546
Acquired 2000 and 2001 (part) 12925 356 684 1091 10794

Utility and Fuel Expenses Per Housing Unit

Acquired before 2000
63378 5644 7163 5906 44665
Less than $250 8639 554 291 467 7327
$250 to $499 13677 1136 1856 715 9970
$500 to $749 10489 782 1935 946 6827
$750 to $999 6338 1026 411 446 4456
$1,000 to $1,249 3306 372 649 86 2200
$1,250 to $1,499 1210 512 57 44 597
$1,500 to $1,749 267 0 0 0 267
$1,750 to $1,999 1042 0 0 385 657
$2,000 to $2,499 392 0 392 0 0
$2,500 or more 1678 329 264 65 1020
No expenses 2985 405 8 0 2572
Not reported or not computed 13354 529 1301 2753 8772
Median 529 713 601 604 484
Acquired 2000 and 2001 (part) 12925 356 684 1091 10794

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