Residential Finance Survey

Residential Finance Survey: 2001 - United States
Table 7-4. Holder of First Mortgage, Rental and Vacant 50-or-More-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.
Value Per Housing Unit, Rental Receipts as Percent of Value, Rental Vacancy Losses as Percent of Potential Receipts, Monthly Rental Receipts Per Housing Unit, 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 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
50-or-more housing-unit properties with a traditional first mortgage	61105	10924	6694	964	2892	579	23583	541	3646	911	567	1522	750	4262	1287	1984
PROPERTY CHARACTERISTICS Property Location by Geographic Area Inside MAs	56593	10037	6299	915	2772	559	22132	514	2936	875	470	1443	690	3914	1232	1804
In central cities	31475	5782	3558	559	1364	358	11502	320	1616	644	198	992	457	2348	832	946
Not in central cities	25118	4255	2741	356	1408	201	10630	193	1321	231	272	451	233	1566	400	858
Outside MAs	4513	887	395	49	120	20	1451	27	710	36	97	79	60	347	55	179
Number of Housing Units 50 to 74 housing units	17736	3849	2515	344	427	202	5571	124	1577	412	181	283	200	1104	379	568
75 to 99 housing units	9285	1652	1226	179	469	165	2975	87	635	206	92	185	154	771	212	278
100 to 149 housing units	12855	2505	1256	181	693	82	4873	128	654	171	85	318	140	991	405	373
150 to 199 housing units	7963	1078	521	80	471	45	4125	62	278	58	85	99	79	636	134	213
200 to 299 housing units	7604	1112	678	122	453	51	3450	82	332	47	96	191	89	476	89	335
300 to 499 housing units	4542	581	401	39	308	28	2055	38	135	15	15	410	71	205	57	183
500 to 999 housing units	979	134	78	19	64	6	471	18	30	0	12	35	13	62	9	29
1,000 or more housing units	142	15	19	1	6	1	63	1	5	1	1	2	2	16	3	5
Year Structure Built 1999 to March 2000	1873	460	195	28	62	28	847	6	45	38	16	31	31	32	10	42
1997 and 1998	3191	515	327	50	179	26	1396	8	72	12	48	76	33	359	8	79
1995 and 1996	2276	437	128	45	194	6	996	16	107	23	48	18	14	140	30	74
1990 to 1994	3355	488	370	53	240	37	1187	43	382	23	43	62	28	174	113	111
1980 to 1989	14864	2453	1411	173	841	146	5463	150	1327	77	76	341	220	1277	268	642
1970 to 1979	18739	3188	1898	269	742	183	7830	123	1094	146	244	721	203	1265	324	511
1960 to 1969	8445	1588	1234	126	368	77	3158	77	382	169	38	134	116	485	252	240
1950 to 1959	2539	555	227	96	110	28	1070	43	45	70	21	26	14	139	74	21
1940 to 1949	1280	219	172	32	63	7	412	21	71	72	0	28	45	53	8	77
1939 or earlier	4543	1021	732	92	92	41	1223	55	121	281	33	85	45	337	200	187
Purchase Price Per Housing Unit@8 Properties acquired by purchase 1997 to 2001 (part)	17882	3562	2236	268	779	144	7023	131	561	243	88	480	281	1117	409	561
Less than $20,000	4160	800	474	15	96	30	1821	31	122	61	12	200	61	235	82	119
$20,000 to $39,999	6550	1315	894	164	323	51	2314	61	250	89	32	119	122	379	209	227
$40,000 to $59,999	3868	727	472	41	199	40	1612	27	101	33	27	83	52	266	78	110
$60,000 to $79,999	1860	352	272	28	90	7	736	11	59	49	12	50	12	112	20	52
$80,000 to $99,999	735	184	54	6	28	4	297	2	10	9	0	20	21	73	13	14
$100,000 to $124,999	324	60	27	8	24	12	114	0	11	1	0	1	12	37	0	18
$125,000 to $149,999	179	42	27	7	3	0	65	0	0	0	5	7	0	4	7	13
$150,000 to $174,999	50	7	4	0	0	0	26	0	5	0	0	0	0	4	0	4
$175,000 to $199,999	42	4	10	0	8	0	14	0	0	0	0	0	1	5	0	0
$200,000 to $249,999	69	58	0	0	2	0	5	0	0	0	0	0	0	1	0	3
$250,000 to $299,999	13	4	1	0	0	0	5	0	2	0	0	0	0	0	0	0
$300,000 to $499,999	10	0	0	0	0	0	9	0	0	0	0	0	0	1	0	0
$500,000 or more	9	6	3	0	0	0	0	0	0	0	0	0	0	0	0	0
Median	34579	34897	34419	34522	37977	36434	34593	31378	32635	33475	39957	26719	32935	37049	31733	34200
Mean	40690	43143	39203	42939	44334	43531	40118	34657	38864	39544	43268	33951	40033	42349	37271	39986
Other properties	43224	7363	4459	696	2113	435	16560	410	3085	668	479	1042	469	3144	878	1423
Value Less than $1,000,000	2667	625	297	59	47	13	919	2	267	20	21	61	62	150	47	78
$1,000,000 to $1,999,999	7938	1649	1043	118	258	46	2452	73	958	119	82	102	51	326	286	376
$2,000,000 to $2,999,999	8583	1571	1085	199	305	70	3087	96	557	178	139	159	124	594	223	197
$3,000,000 to $3,999,999	7819	1470	901	170	196	129	2999	77	500	159	48	202	123	502	126	218
$4,000,000 to $4,999,999	5102	1196	652	32	226	47	1612	37	214	110	27	107	44	546	60	191
$5,000,000 to $7,499,999	10845	1671	1086	157	702	126	4187	104	508	141	96	542	127	782	291	327
$7,500,000 to $9,999,999	4599	687	425	53	346	65	1806	65	169	51	59	99	63	428	102	179
$10,000,000 to $14,999,999	7167	1035	643	104	325	51	3714	27	231	86	32	75	70	487	82	204
$15,000,000 to $19,999,999	2564	413	286	42	177	12	1078	28	106	16	18	62	31	176	19	99
$20,000,000 to $29,999,999	2211	385	143	12	126	12	1032	19	81	23	29	72	21	158	29	68
$30,000,000 to $39,999,999	678	88	65	9	78	3	293	2	17	4	6	20	15	52	12	16
$40,000,000 to $49,999,999	346	42	15	1	36	6	158	6	23	0	8	5	7	14	5	21
$50,000,000 or more	586	93	53	8	71	1	246	4	16	3	2	14	12	48	6	10
Median	4695105	4123579	4033596	3624670	6476850	4667866	5432000	4597583	3081981	3870565	3858128	5597643	4337936	5040957	3704493	4644015
Mean	7358174	6567677	6399538	6190673	10282040	6594359	8075775	6895394	5230600	5443681	6795336	7758020	8133326	8010164	5539236	7200114
Value Per Housing Unit@8 Less than $20,000	8571	1724	786	139	231	33	3405	58	826	53	63	185	91	386	239	353
$20,000 to $39,999	22371	4089	2755	492	1029	226	7676	310	1344	311	280	821	268	1469	552	748
$40,000 to $59,999	16078	2376	1550	162	827	135	7425	83	757	280	133	245	228	1174	293	412
$60,000 to $79,999	6789	1273	805	28	399	96	2510	31	461	144	39	124	91	481	72	235
$80,000 to $99,999	3106	643	318	74	139	20	1118	27	134	42	10	75	19	338	43	105
$100,000 to $124,999	1840	312	197	20	101	48	625	28	45	34	23	34	13	264	25	70
$125,000 to $149,999	955	182	119	15	52	5	371	2	18	22	0	14	14	62	48	30
$150,000 to $174,999	405	48	69	31	20	6	135	1	27	13	7	1	6	24	6	10
$175,000 to $199,999	228	18	43	0	18	0	96	0	6	0	4	2	2	26	5	8
$200,000 to $249,999	326	123	30	3	20	5	94	0	9	7	0	7	11	10	0	7
$250,000 to $299,999	166	36	8	0	11	0	61	0	7	5	0	15	3	14	5	1
$300,000 to $499,999	164	72	7	0	10	0	49	0	4	0	9	0	3	10	0	0
$500,000 or more	106	29	6	0	36	5	17	0	7	0	0	0	0	4	0	2
Median	39652	38283	38595	33950	44489	44587	41914	33714	34831	46531	35772	34025	41386	44699	34671	37074
Mean	48827	51005	48159	45426	59615	57372	47928	41978	41833	53939	45594	41965	48750	53331	43867	45357
Value of Capital Improvements Properties with capital improvements between 1998 and 2000	39178	6715	4289	561	2082	321	15037	358	2455	555	371	1055	550	2712	780	1337
Less than $50,000	10021	2012	1201	172	498	99	3414	73	976	156	59	75	94	686	237	270
$50,000 to $99,999	6856	1135	847	76	422	65	2280	119	484	150	46	170	142	443	200	276
$100,000 to $249,999	11297	1920	1000	170	485	96	5166	70	559	160	89	188	160	686	194	355
$250,000 to $499,999	5299	731	676	62	340	40	2034	40	240	56	125	146	54	452	54	249
$500,000 to $749,999	2472	391	212	51	139	4	807	18	84	9	24	366	38	215	22	90
$750,000 to $999,999	815	103	56	13	48	2	376	6	49	6	7	13	19	68	20	30
$1,000,000 to $1,499,999	910	113	167	6	56	8	360	29	19	9	8	32	10	56	7	30
$1,500,000 to $1,999,999	388	94	31	4	29	0	145	2	11	2	4	14	2	15	18	18
$2,000,000 to $2,999,999	398	104	36	1	24	3	139	0	16	6	4	10	8	23	15	9
$3,000,000 or more	721	113	63	5	41	3	316	2	17	2	6	41	21	68	13	11
Median	136001	116473	114501	128479	137432	96473	152970	94749	76010	90695	234978	410829	135755	149693	88335	151689
Mean	387961	344907	348823	275579	564747	245857	426591	265189	289813	173152	364833	605772	428271	369761	313811	301744
Properties with no capital improvements between 1998 and 2000	12224	2195	1426	251	474	140	5268	75	512	197	74	215	104	709	264	319
Capital improvements not reported	9704	2014	979	152	335	119	3278	108	679	159	122	253	96	840	243	327
Value of Capital Improvements Per Unit Properties with capital improvements between 1998 and 2000	39178	6715	4289	561	2082	321	15037	358	2455	555	371	1055	550	2712	780	1337
Less than $500	11216	1959	1159	180	547	92	4334	135	844	169	114	141	127	796	255	364
$500 to $999	8506	1530	758	120	627	93	3180	87	633	154	66	179	160	447	202	273
$1,000 to $2,499	12556	2050	1502	170	579	88	4963	58	728	124	55	556	144	880	223	435
$2,500 to $4,999	4144	598	595	46	204	29	1543	45	171	80	77	105	63	352	43	196
$5,000 to $7,499	1132	216	138	40	50	9	403	3	34	17	40	13	23	117	8	22
$7,500 to $9,999	424	101	57	1	23	4	122	3	11	5	10	12	10	26	13	26
$10,000 to $14,999	370	79	16	2	20	0	149	25	11	0	5	2	1	29	17	13
$15,000 to $19,999	195	34	18	0	10	4	76	1	5	2	0	9	18	10	2	7
$20,000 to $29,999	192	36	6	0	5	1	81	0	1	5	4	1	2	38	10	2
$30,000 or more	442	113	40	1	18	0	186	0	17	0	2	38	3	18	8	0
Median	992	957	1227	918	894	868	1001	753	803	852	1157	1562	962	1193	834	1110
Mean	2551	2931	2468	1573	3979	1721	2475	1817	1643	1667	2705	3885	2399	2475	2148	1728
Properties with no capital improvements between 1998 and 2000	12224	2195	1426	251	474	140	5268	75	512	197	74	215	104	709	264	319
Capital improvements not reported	9704	2014	979	152	335	119	3278	108	679	159	122	253	96	840	243	327
Monthly Rental Receipts Per Housing Unit Acquired before 2000	54526	9531	5912	882	2645	495	20763	499	3448	820	540	1429	666	3962	1101	1832
Less than $100	1463	334	66	8	73	25	530	6	148	53	0	27	37	110	5	41
$100 to $199	1765	361	112	15	51	1	759	7	235	0	4	31	15	66	88	19
$200 to $299	2887	710	238	8	102	28	800	42	485	7	15	20	19	203	108	103
$300 to $399	6626	1318	781	105	310	33	1843	47	589	85	137	490	94	367	148	279
$400 to $499	8908	1569	1191	144	346	100	3209	188	452	101	139	326	148	593	175	228
$500 to $599	10033	1688	1310	337	461	108	3847	67	442	156	64	177	103	636	229	408
$600 to $799	7253	1265	731	91	356	59	2901	26	467	165	53	114	129	591	112	192
$800 to $999	9959	1336	823	90	571	96	4711	76	444	161	61	150	53	913	151	323
$1000 or more	5474	907	647	85	368	40	2089	40	181	89	66	95	68	481	86	232
No rental receipts	157	43	13	0	7	4	74	0	4	4	0	0	0	1	0	6
Median	555	527	543	548	595	554	583	479	458	608	481	445	519	602	512	560
Mean	644	615	668	615	705	599	643	572	635	698	636	536	588	694	593	717
Acquired 2000 and 2001 (part)	6579	1393	782	82	246	85	2820	42	198	91	27	93	83	300	186	152
Rental Receipts as Percent of Value@8 Acquired before 2000	54526	9531	5912	882	2645	495	20763	499	3448	820	540	1429	666	3962	1101	1832
Less than 5 percent	1424	297	122	18	109	35	451	7	78	57	3	41	42	119	7	40
5 to 9 percent	3407	808	377	36	165	35	1096	31	260	52	10	25	53	342	63	52
10 to 14 percent	16334	3154	1720	245	863	183	5684	120	1207	244	169	423	217	1231	398	475
15 to 19 percent	14811	2241	1423	284	689	107	6432	207	878	178	158	239	161	1022	308	484
20 to 24 percent	7989	1362	1111	122	422	90	2633	45	440	144	121	516	89	488	164	241
25 to 29 percent	4315	624	383	47	149	20	2036	23	244	66	40	72	21	307	42	242
30 to 39 percent	3034	539	478	45	118	12	1181	17	154	39	12	25	19	204	36	156
40 percent or more	3082	469	285	86	127	10	1187	50	187	35	27	88	65	246	83	136
Median	17	16	18	18	16	15	17	17	16	17	18	20	16	16	16	19
Acquired 2000 and 2001 (part)	6579	1393	782	82	246	85	2820	42	198	91	27	93	83	300	186	152
Rental Vacancy Losses as Percent of Potential Receipts Acquired before 2000	54526	9531	5912	882	2645	495	20763	499	3448	820	540	1429	666	3962	1101	1832
Less than 1.0 percent	7279	1242	612	146	259	102	2605	74	627	154	94	138	55	888	86	198
1.0 to 2.9 percent	9854	1720	1048	140	447	66	3604	101	713	159	70	233	71	927	220	334
3.0 to 4.9 percent	8330	1379	1074	113	437	125	3106	88	465	87	100	167	182	539	156	313
5.0 to 6.9 percent	5126	867	587	129	291	30	2079	42	326	58	22	94	59	237	151	155
7.0 to 8.9 percent	5096	667	404	35	177	38	3064	34	219	31	31	63	32	111	65	127
9.0 to 10.9 percent	2468	477	476	22	203	12	830	36	45	25	13	15	22	91	71	131
11.0 to 12.9 percent	1453	186	242	4	121	14	573	23	52	7	18	47	38	81	21	26
13.0 to 14.9 percent	731	182	109	7	28	5	241	1	36	3	9	7	11	21	25	47
15.0 percent or more	3730	670	419	55	169	33	1287	33	138	58	65	433	58	134	79	99
Not reported or not computed	10459	2142	942	232	515	70	3374	66	826	239	117	233	139	934	229	402
Median	4.2	4.1	4.5	3.7	4.6	3.7	4.6	3.9	2.9	2.7	4.0	6.3	4.5	2.4	4.7	4.2
Acquired 2000 and 2001 (part)	6579	1393	782	82	246	85	2820	42	198	91	27	93	83	300	186	152
Age Restrictions Property restricted to people age 55 or older	10468	1765	1039	123	476	161	3672	95	1124	59	76	190	133	1116	142	297
Property not restricted to people age 55 or older	48401	8591	5496	774	2317	376	19301	413	2344	825	440	1301	588	2881	1108	1644
Not reported	2236	568	160	67	98	42	609	32	178	27	51	31	29	264	38	42
Age Composition Over one-half the residents of the building age 55 or older	3452	685	449	34	138	12	1154	15	307	64	37	22	39	349	69	77
Over one-half the residents of the building not age 55 or older	43396	7634	4858	713	2115	328	17545	394	1959	704	397	1242	524	2424	1016	1543
Not reported	14258	2605	1387	217	639	240	4884	132	1379	142	133	258	187	1489	202	364
Meal Service Provided by Properties Exclusively or Predominantly Occupied by People Age 55 or Older Property provides meal service	5664	1030	675	77	306	88	2087	39	309	31	42	110	76	510	84	201
Charge included in rent	3546	772	532	40	253	75	1052	27	133	26	37	95	56	235	46	169
Charge not included in rent	694	125	37	0	16	0	295	2	73	5	0	1	4	126	4	6
Not reported	1424	133	107	38	37	14	740	10	103	0	6	14	16	149	34	26
Property does not provide meal service	7803	1282	723	88	245	51	2626	57	1134	112	52	87	118	962	133	135
Not reported	47639	8613	5297	799	2340	441	18870	445	2203	769	473	1326	556	2790	1071	1648
OWNER CHARACTERISTICS Type of Owner Individual investor(s)	7408	1761	1273	161	353	116	2188	32	438	63	113	123	117	280	115	275
Limited partnership	26622	4458	2580	399	1231	241	10314	314	1604	292	256	521	377	2557	611	866
Joint venture	661	98	71	8	24	5	316	1	25	7	1	21	14	14	12	43
General partnership	4472	932	483	104	326	31	1677	16	175	60	70	93	35	219	49	201
Life insurance company	108	33	3	0	4	0	19	0	5	5	15	6	0	15	3	0
Depository institution	5	0	4	0	0	0	1	0	0	0	0	0	0	0	0	0
Public real estate investment trust	1006	118	66	8	108	3	441	13	41	9	5	16	3	79	62	32
Private real estate investment trust	225	11	1	8	30	0	136	0	7	0	2	0	0	27	2	2
Corporation - other than real estate investment trust	12605	2090	1419	154	522	119	5417	106	424	365	79	606	113	511	311	369
Housing cooperative organization	2222	411	203	36	70	46	1007	33	53	91	2	17	29	187	20	18
Non-profit or church-related institution	3912	671	323	41	149	10	1299	5	832	3	16	79	48	271	35	131
Pension fund	84	4	6	0	4	0	38	0	1	1	1	10	0	19	1	0
Fraternal organization	11	0	0	0	0	0	9	0	2	0	0	0	0	0	0	0
Other	1765	338	263	44	71	8	719	21	40	15	6	31	14	82	68	46
MORTGAGE CHARACTERISTICS Number of Mortgages 1 mortgage	53963	9171	6174	834	2618	490	21070	504	3177	810	534	1387	677	3527	1169	1820
2 mortgages	5745	1314	401	126	259	61	2130	35	358	95	31	115	62	553	97	105
3 or more mortgages	1398	439	119	5	15	28	382	1	110	5	2	21	10	181	21	58
Form of Debt of First Mortgage Mortgage or deed of trust	61103	10924	6694	964	2892	579	23583	541	3646	911	567	1522	750	4262	1287	1981
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	3	0	0	0	0	0	0	0	0	0	0	0	0	0	0	3
Type of First Mortgage Instrument Fixed-rate, level-payment mortgage	46487	7284	4018	578	2429	327	19032	428	3273	237	414	1297	536	3832	1129	1675
Short-term with balloon payment mortgage	4759	1148	528	103	286	35	1608	85	126	517	38	29	21	94	47	94
Reverse mortgage	3	3	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Adjustable rate mortgage (ARM)	8835	2239	2100	280	153	213	2492	23	193	141	114	188	183	270	87	158
Other	1022	250	49	4	24	4	452	4	54	16	1	8	10	66	24	57
Method of Loan Application By computer over the Internet or by e-mail	111	41	7	4	4	0	35	0	1	0	0	8	0	6	4	0
By telephone or FAX	6929	1191	765	175	325	67	3039	47	195	94	58	102	65	282	309	216
By regular mail	6759	1064	722	123	248	74	2477	47	722	142	110	100	52	546	100	233
By personal visit	19750	4176	2417	335	866	139	6730	186	1280	190	170	454	230	1593	413	571
Through third party (such as real estate agent or builder)	14847	2060	1529	118	886	169	6815	95	478	350	125	546	254	722	201	498
Some other way	3528	735	270	50	173	59	1161	41	346	58	27	47	57	286	76	142
Not reported	6304	1266	585	132	241	50	2163	103	474	67	64	173	51	577	129	228
Not available	2877	392	400	27	149	22	1162	21	150	9	12	91	40	249	56	95
Origin of First Mortgage Mortgage made at time property acquired	36496	6896	3934	593	1521	360	12818	355	2801	343	344	1091	472	3127	663	1178
Mortgage assumed at the time property acquired	5272	742	646	48	290	72	2281	31	260	48	25	126	59	356	148	140
Mortgage placed later than acquisition of property	19337	3286	2115	323	1081	148	8484	154	585	519	198	305	218	778	477	666
Refinanced mortgage	18234	3091	2024	310	1037	148	7979	151	536	501	196	288	218	732	397	626
Same lender	4495	987	583	103	271	47	1575	23	119	158	28	85	90	261	37	126
Different lender	13740	2104	1441	207	766	101	6404	128	417	343	169	202	128	471	360	500
Mortgage placed on property owned free and clear of debt	1102	196	91	13	44	0	505	4	50	18	1	17	0	46	80	39
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	19337	3286	2115	323	1081	148	8484	154	585	519	198	305	218	778	477	666
Obtain lower interest rate	9955	1504	1143	121	485	74	4762	77	301	339	14	164	112	357	226	276
Increase payment period for mortgage	529	87	82	3	47	4	107	2	11	11	14	2	2	62	37	58
Reduce payment period for mortgage	42	5	4	3	0	0	17	0	6	0	0	0	0	6	0	0
Renew or extend loan that had fallen due, without increasing outstanding balance	2251	461	358	68	175	12	743	17	64	46	39	19	37	66	73	74
Receive cash or increase outstanding balance of loan	3944	551	387	80	167	24	1896	33	100	90	90	57	32	151	98	189
Other reason	1779	441	74	19	150	27	672	20	84	7	38	59	21	88	31	47
Not reported	836	238	67	28	58	7	286	4	20	26	3	4	14	47	12	21
Other properties	41769	7638	4580	641	1811	432	15099	386	3060	392	369	1218	532	3484	811	1318
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	8972	1205	911	135	394	56	4573	99	220	244	79	140	90	322	193	311
Less than $1,000,000	4100	616	576	64	226	27	1607	63	133	177	56	53	15	209	96	181
$1,000,000 to $1,999,999	2984	366	172	43	63	18	2042	29	22	37	8	39	49	20	11	65
$2,000,000 to $2,999,999	566	76	44	13	43	7	286	2	4	21	0	22	8	29	2	9
$3,000,000 to $3,999,999	346	63	55	2	17	0	145	1	11	1	11	1	0	13	0	25
$4,000,000 to $4,999,999	272	19	20	10	5	4	109	2	13	7	0	3	11	16	48	4
$5,000,000 to $7,499,999	175	11	14	1	12	0	84	0	8	1	0	13	2	2	19	8
$7,500,000 to $9,999,999	129	27	6	0	1	0	64	0	13	0	2	1	4	2	3	5
$10,000,000 to $14,999,999	232	13	6	1	6	0	175	1	0	0	0	1	1	11	9	8
$15,000,000 to $19,999,999	68	2	1	0	4	0	29	0	15	0	1	1	0	14	0	0
$20,000,000 to $29,999,999	48	5	15	0	2	0	11	1	0	0	0	2	0	3	4	4
$30,000,000 to $39,999,999	14	3	1	0	0	0	6	0	1	0	0	2	0	0	0	1
$40,000,000 to $49,999,999	5	0	0	0	0	0	3	0	0	0	0	2	0	0	0	0
$50,000,000 or more	34	2	0	0	15	0	11	0	0	0	0	1	0	3	0	1
Not reported	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Median	1129499	978284	790617	1082427	871658	1075065	1332631	792066	825423	689725	700872	1442159	1613111	769425	998084	859458
Mean	2430523	1877573	1512967	1328441	4365496	1120544	2520819	1144657	2815655	739457	1666031	4857860	2311394	3746455	3298981	2894627
Properties that refinanced and did not receive cash back	7859	1658	925	121	468	48	3013	43	291	164	90	126	104	341	230	237
Properties that refinanced and did not report if received cash back	2505	423	279	67	219	43	898	12	74	111	28	39	24	115	54	118
Properties that did not refinance	41769	7638	4580	641	1811	432	15099	386	3060	392	369	1218	532	3484	811	1318
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	8972	1205	911	135	394	56	4573	99	220	244	79	140	90	322	193	311
For additions, improvements or repairs to this property	5820	793	510	77	255	26	3104	78	150	165	69	77	56	191	44	224
To consolidate debts	635	152	38	16	34	8	237	8	22	33	0	10	0	44	11	20
For investment in other real estate	4237	444	372	32	99	14	2672	19	96	47	68	72	35	111	82	73
For other types of investments	1077	160	93	22	35	9	474	5	28	63	1	42	23	33	62	28
For educational or medical expenses	17	1	0	0	0	0	5	0	0	0	0	0	0	7	3	1
To start a business	6	3	0	0	0	0	3	0	0	0	0	0	0	0	0	0
To settle a divorce	7	0	2	0	0	0	4	0	0	0	0	0	0	0	0	0
To pay taxes	113	47	8	6	11	0	24	0	0	2	0	8	7	0	0	0
To purchase an automobile, truck, or other vehicle	20	2	6	0	0	0	3	1	5	0	0	0	0	0	3	0
To purchase consumer product other than automobile, truck, or other vehicle	76	3	8	0	3	0	58	0	0	0	0	0	0	2	0	3
Other	1024	94	102	9	52	7	542	4	30	31	8	14	11	10	30	80
Not reported	249	20	18	9	2	0	125	0	8	1	0	1	0	51	0	15
Properties that refinanced and did not receive cash back	7859	1658	925	121	468	48	3013	43	291	164	90	126	104	341	230	237
Properties that refinanced and did not report if received cash back	2505	423	279	67	219	43	898	12	74	111	28	39	24	115	54	118
Properties that did not refinance	41769	7638	4580	641	1811	432	15099	386	3060	392	369	1218	532	3484	811	1318
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)	18076	3819	2305	275	650	191	6975	118	541	430	111	451	278	826	446	660
1997 and 1998	15738	2583	1647	174	713	114	7099	207	438	276	193	324	203	976	329	464
1995 and 1996	6907	1243	704	128	656	80	2776	41	204	99	86	96	48	360	112	275
1990 to 1994	6937	1166	795	83	526	92	2430	26	697	101	62	104	82	502	106	166
1985 to 1989	4158	745	399	104	144	33	1296	5	518	3	14	391	55	306	80	65
1980 to 1984	4319	598	380	121	47	18	1167	107	709	3	50	62	48	737	92	179
1979 or earlier	4970	770	463	80	156	52	1840	36	539	0	51	95	36	556	123	174
Traditional First Mortgage Loan Less than $500,000	2852	645	344	86	81	7	961	0	385	9	0	18	50	107	78	82
$500,000 to $999,999	4903	1146	744	86	137	19	1390	22	347	68	102	124	64	327	227	101
$1,000,000 to $1,499,999	7033	1369	1020	115	220	34	2302	78	768	170	93	108	60	340	102	254
$1,500,000 to $1,999,999	6496	1483	754	162	225	143	2229	47	336	133	41	91	96	396	179	181
$2,000,000 to $2,499,999	5389	954	588	147	167	61	2038	31	264	172	15	102	80	389	126	255
$2,500,000 to $2,999,999	4451	726	483	40	237	65	1947	65	206	48	66	74	20	285	70	117
$3,000,000 to $3,999,999	6980	1205	688	45	369	95	2344	71	399	147	71	448	101	682	125	189
$4,000,000 to $4,999,999	4759	691	443	41	339	44	1968	91	240	33	27	65	70	418	99	189
$5,000,000 to $7,499,999	7711	1023	579	91	514	79	3748	55	337	46	65	139	94	568	148	226
$7,500,000 to $9,999,999	3236	547	344	24	167	19	1443	16	132	51	23	104	20	213	41	93
$10,000,000 to $12,499,999	2091	322	166	46	153	1	983	26	72	10	8	24	22	140	23	97
$12,500,000 to $14,999,999	1083	133	106	8	66	3	443	12	46	17	25	42	16	102	12	52
$15,000,000 to $19,999,999	1097	182	105	7	83	4	498	14	29	1	4	20	13	87	13	37
$20,000,000 or more	1214	176	92	14	84	5	558	14	35	8	24	37	25	77	15	50
Not reported	1811	321	239	53	49	0	730	0	50	0	5	128	18	129	29	60
Median	2834191	2345339	2311015	2021961	3961680	2693626	3238617	3392392	1944037	2221881	2734205	3404352	2872872	3324860	2171603	2878017
Mean	4472478	3875463	3823160	3537408	5504024	3437346	5015135	5068551	3273379	3187484	4690456	4793153	4695467	4904946	3388399	4808310
Total Mortgage Loan Less than $500,000	2530	500	335	86	77	0	897	0	304	9	0	18	43	107	73	82
$500,000 to $999,999	4632	1113	695	81	120	14	1385	21	307	41	91	108	50	288	221	99
$1,000,000 to $1,499,999	6751	1309	976	114	232	30	2208	79	777	145	95	118	61	279	98	231
$1,500,000 to $1,999,999	6206	1417	740	142	206	154	2022	47	385	138	47	96	96	371	171	174
$2,000,000 to $2,499,999	5227	945	628	147	181	60	1881	31	253	189	10	92	81	359	126	244
$2,500,000 to $2,999,999	4444	617	468	29	228	64	1956	63	233	62	70	73	39	348	75	119
$3,000,000 to $3,999,999	7118	1359	708	81	371	88	2359	74	401	142	74	444	95	635	118	170
$4,000,000 to $4,999,999	4613	697	426	37	315	43	1787	90	247	47	27	77	67	447	110	196
$5,000,000 to $7,499,999	8455	1172	601	91	521	94	4262	46	334	52	63	143	94	571	156	256
$7,500,000 to $9,999,999	3405	565	385	27	164	19	1476	25	154	51	25	97	25	257	39	94
$10,000,000 to $12,499,999	2138	345	171	25	159	0	992	21	82	10	8	23	24	150	25	104
$12,500,000 to $14,999,999	1186	178	109	25	69	3	470	12	50	16	25	38	15	108	15	54
$15,000,000 to $19,999,999	1185	184	110	12	95	3	536	19	29	2	5	31	14	85	16	44
$20,000,000 or more	1407	202	103	15	103	7	622	15	41	8	24	38	26	128	17	57
Not reported	1810	321	239	52	49	0	730	0	50	0	5	128	18	129	29	60
Median	2984052	2514884	2383449	2109887	4020951	2744220	3456618	3413164	2050125	2324875	2776127	3437279	2934305	3495934	2266974	3079113
Mean	4775329	4145460	3963850	3741506	5799722	3895743	5304213	5281337	3499429	3314797	4761666	5086862	5017591	5809050	3556316	5126771
Traditional First Mortgage Outstanding Debt Less than $500,000	5445	1175	557	132	133	29	1872	13	676	18	70	78	77	215	260	139
$500,000 to $999,999	6689	1423	991	74	247	18	2214	47	469	82	80	151	49	432	134	278
$1,000,000 to $1,499,999	7502	1655	1081	204	259	87	2160	88	724	216	81	85	109	464	96	192
$1,500,000 to $1,999,999	6390	1277	701	180	334	146	2138	19	288	150	33	131	86	539	154	216
$2,000,000 to $2,499,999	5381	803	567	56	188	50	2472	51	244	102	68	85	64	326	132	172
$2,500,000 to $2,999,999	4003	686	477	19	182	53	1592	49	211	73	28	20	33	427	41	114
$3,000,000 to $3,999,999	6243	1003	577	30	321	72	2144	108	360	118	52	463	98	546	132	219
$4,000,000 to $4,999,999	3606	586	303	52	324	39	1329	51	159	39	31	90	54	301	130	118
$5,000,000 to $7,499,999	6763	840	491	68	374	62	3690	38	220	41	61	127	73	394	96	189
$7,500,000 to $9,999,999	2761	509	341	37	160	7	1162	22	99	37	8	51	28	163	34	101
$10,000,000 to $12,499,999	1717	263	127	35	130	1	769	22	74	17	8	25	15	129	20	83
$12,500,000 to $14,999,999	928	89	103	10	60	5	442	8	20	13	23	40	12	70	6	26
$15,000,000 to $19,999,999	938	180	64	8	74	2	418	12	26	4	7	21	15	59	9	38
$20,000,000 or more	937	115	75	7	61	8	449	12	27	1	16	25	18	68	14	40
Not reported	1802	321	239	52	46	0	730	0	50	0	0	128	18	129	29	60
Median	2336807	1910537	1926927	1626356	3248658	2095854	2678994	3030803	1451456	1965446	2142892	3314687	2351119	2605996	1953408	2398831
Mean	3911668	3367221	3359635	3046739	4796760	3286927	4445593	4601511	2667861	2995899	4023531	4192037	4169072	4083801	2964226	4192670
Total Mortgage Outstanding Debt Less than $500,000	4883	963	524	131	112	14	1768	9	555	18	67	62	70	206	249	136
$500,000 to $999,999	6272	1356	933	73	232	18	2111	48	448	46	80	153	35	374	127	239
$1,000,000 to $1,499,999	7277	1626	1069	200	276	91	1995	89	773	179	75	94	110	412	94	193
$1,500,000 to $1,999,999	6176	1181	726	156	321	154	2001	19	299	178	39	118	91	520	161	211
$2,000,000 to $2,499,999	5417	810	575	55	196	38	2411	51	281	133	72	95	79	339	126	157
$2,500,000 to $2,999,999	3756	704	485	15	181	60	1341	47	212	70	26	24	31	395	42	122
$3,000,000 to $3,999,999	6767	1146	582	61	320	65	2481	105	348	130	52	462	92	588	122	212
$4,000,000 to $4,999,999	3977	638	286	49	312	46	1595	50	173	39	31	106	52	328	140	132
$5,000,000 to $7,499,999	7035	936	527	69	375	68	3769	39	229	47	58	127	75	398	105	212
$7,500,000 to $9,999,999	2904	554	360	38	181	7	1181	26	108	37	11	44	33	186	37	101
$10,000,000 to $12,499,999	1772	263	142	17	113	0	803	16	89	16	8	28	16	153	22	87
$12,500,000 to $14,999,999	1015	122	98	29	67	4	460	10	23	14	25	33	12	86	5	28
$15,000,000 to $19,999,999	1025	183	69	13	100	3	454	19	27	4	7	34	13	40	13	47
$20,000,000 or more	1084	135	87	7	63	11	503	12	32	1	16	25	23	108	15	44
Not reported	1744	307	232	52	42	0	708	0	50	0	0	117	18	129	29	60
Median	2468121	2112674	1986062	1669184	3332601	2160091	2928642	3060335	1538478	2128269	2159932	3340657	2379517	2772726	1994127	2598700
Mean	4040496	3515234	3367529	3083540	4994688	3489585	4567592	4804440	2841566	3111836	4084740	4113006	4362784	4364325	3039371	4358670
Current Interest Rate on First Mortgage Less than 6.0 percent	23595	4765	2534	368	681	79	10327	17	1062	42	28	857	362	1375	500	598
6.0 percent	373	220	28	1	2	1	51	2	16	0	0	0	0	35	12	5
6.1 to 6.4 percent	792	86	102	0	16	37	361	7	22	38	0	13	2	77	3	29
6.5 to 6.9 percent	2523	320	198	49	142	56	1026	30	159	209	20	0	25	209	30	52
7.0 percent	5126	895	603	69	128	39	2226	10	202	86	40	125	62	418	106	117
7.1 to 7.4 percent	2574	229	337	56	167	63	838	125	119	133	42	2	8	238	121	97
7.5 to 7.9 percent	6142	937	662	35	344	166	2493	167	241	221	182	15	16	269	71	321
8.0 percent	1121	237	109	39	167	4	250	13	60	44	36	33	2	76	14	38
8.1 to 8.4 percent	2405	328	239	51	320	60	670	37	238	58	130	10	10	166	2	84
8.5 to 8.9 percent	2000	448	238	47	320	21	259	36	207	61	32	8	14	173	42	94
9.0 percent	1201	88	19	1	28	9	413	35	294	0	15	0	2	101	125	71
9.1 to 9.4 percent	800	85	38	25	61	1	147	45	292	6	9	5	2	63	16	5
9.5 to 9.9 percent	639	128	83	1	111	3	94	12	54	0	10	7	13	95	13	15
10.0 percent	300	47	7	1	31	0	22	2	71	2	0	0	0	83	20	12
10.1 to 10.4 percent	288	48	41	10	25	4	68	3	0	6	9	0	11	55	0	7
10.5 to 10.9 percent	433	54	12	0	21	0	95	0	132	2	3	5	10	78	4	17
11.0 percent	482	126	71	4	49	3	112	0	15	0	0	7	30	39	3	24
11.1 to 12.9 percent	876	104	91	61	24	8	281	0	46	0	11	17	10	186	16	22
13.0 percent	166	38	26	2	2	0	53	0	12	0	0	12	3	10	8	0
13.1 percent or more	9269	1741	1257	145	252	24	3798	0	403	3	0	405	169	517	181	376
Not reported	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Median	7.1	7.0	7.1	7.1	8.0	7.5	7.0	7.7	8.0	7.3	7.9	5.3	6.7	7.1	7.1	7.6
Points Paid as Interest on First Mortgage With mortgage placed	56596	10314	6124	929	2652	542	21640	514	3410	869	542	1413	698	3935	1150	1863
No points	12736	1508	793	113	896	143	4298	121	1834	417	347	42	109	1499	317	299
Less than 1 point	21	7	0	4	9	2	0	0	0	0	0	0	0	0	0	0
1 point	472	144	175	73	59	0	5	5	0	10	2	0	0	0	0	0
1.1 to 1.9 points	18	5	8	0	0	0	2	0	0	0	0	0	0	0	0	2
2 points	40	36	0	0	0	4	0	0	0	0	0	0	0	0	0	0
2.1 to 2.9 points	16	6	0	5	0	0	5	0	0	0	0	0	0	0	0	0
3 points	4	0	4	0	0	0	0	0	0	0	0	0	0	0	0	0
3.1 to 3.9 points	6	3	2	0	0	1	0	0	0	0	0	0	0	0	0	0
4 points	12	0	0	0	0	0	0	0	0	0	7	0	0	3	0	2
4.1 to 4.9 points	6	6	0	0	0	0	0	0	0	0	0	0	0	0	0	0
5 points	142	67	61	6	0	0	0	0	0	9	0	0	0	0	0	0
5.1 to 5.9 points	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
6 points or more	146	35	23	0	11	10	47	0	0	5	15	0	0	0	0	0
Not reported or don't know	42977	8498	5058	730	1678	382	17283	388	1576	428	170	1371	589	2433	834	1560
With mortgage assumed	4509	610	571	35	240	38	1943	26	236	42	25	109	52	326	137	120
Type of Interest Rate Buydown Properties with interest rate buydown	107	5	0	0	3	0	0	0	9	0	0	0	20	71	0	0
Constant payment	21	0	0	0	0	0	0	0	9	0	0	0	0	12	0	0
3-2-1 buydown	5	0	0	0	0	0	0	0	0	0	0	0	5	0	0	0
Other	22	4	0	0	3	0	0	0	0	0	0	0	15	0	0	0
Not reported	59	1	0	0	0	0	0	0	0	0	0	0	0	58	0	0
Properties without interest rate buydown	19686	3115	2097	288	1579	467	5683	461	2092	834	465	42	93	1651	292	527
Not reported	41312	7805	4597	676	1310	113	17899	79	1545	77	101	1480	637	2540	995	1456
Term of First Mortgage Less than 5 years	466	261	60	5	13	26	15	1	0	29	6	0	15	2	15	18
5 years	956	505	69	10	70	6	25	2	0	138	9	0	1	0	14	106
6 to 9 years	820	204	65	2	144	3	175	14	0	149	5	17	7	8	8	21
10 years	6748	598	647	72	548	78	3422	172	0	378	216	20	12	81	179	327
11 to 14 years	469	64	165	11	76	17	36	41	0	19	16	0	0	5	11	9
15 years	1667	504	255	54	236	37	306	23	0	67	50	0	32	8	58	38
16 to 19 years	669	99	94	0	52	10	370	4	3	0	11	0	0	19	7	1
20 years	983	179	156	3	342	1	144	11	5	22	18	5	0	35	15	47
21 to 24 years	244	56	0	0	57	4	46	0	12	0	15	0	0	43	0	9
25 years	989	289	67	74	105	28	204	14	12	15	8	0	7	124	24	19
26 to 29 years	153	18	0	0	3	2	83	2	5	0	0	0	0	34	0	6
30 years	8755	1383	1067	152	251	322	2776	195	383	83	171	186	93	1205	191	297
More than 30 years	3037	129	42	23	22	3	94	43	1818	7	25	1	5	722	45	59
No stated term	35148	6635	4006	561	972	42	15886	19	1409	4	16	1293	578	1977	722	1027
Median	24	16	19	26	15	30	16	20	57	10	15	30	30	31	16	14
Unexpired Term of First Mortgage Less than 5 years	2926	896	288	65	444	57	402	33	49	190	60	22	28	89	72	230
5 to 9 years	8375	939	773	117	640	139	3646	218	134	499	285	38	48	338	194	365
10 to 14 years	3357	664	372	36	338	40	791	146	179	90	61	5	12	445	54	124
15 to 19 years	2335	564	329	54	226	56	365	20	160	32	37	14	0	423	32	23
20 to 24 years	2671	356	270	80	121	73	681	23	511	65	12	34	15	351	21	58
25 to 29 years	4832	683	609	49	140	105	1614	75	627	27	83	103	56	416	144	102
30 or more years	1471	186	47	1	11	67	207	6	577	4	12	13	14	223	49	55
No stated term or not computed	35138	6635	4006	561	972	42	15876	19	1409	4	16	1293	578	1977	722	1027
Median	13	12	14	13	9	18	10	10	26	8	9	25	14	18	12	8
Servicer of First Mortgage Commercial bank or trust company	11525	10072	8	0	84	23	347	103	16	655	113	0	0	44	4	55
Savings and loan association, federal savings bank	6822	42	6517	0	23	1	102	31	0	63	0	0	4	14	9	17
Mutual savings bank	899	0	0	899	0	0	0	0	0	0	0	0	0	0	0	0
Life insurance company	1711	6	0	0	1670	3	20	6	0	5	0	0	1	0	0	0
Mortgage banker or mortgage company	26484	422	140	65	960	549	22859	341	291	149	380	0	19	23	28	255
Federally-sponsored secondary market agency or pool	57	0	0	0	0	3	50	3	0	0	0	0	0	0	0	0
Conventional mortgage pool	295	125	0	0	0	0	125	45	0	0	0	0	0	0	0	0
Other federal agency	3231	0	0	0	0	0	0	0	3231	0	0	0	0	0	0	0
Real estate investment trust	53	0	0	0	8	0	5	1	0	36	0	0	0	3	0	0
Pension or retirement fund	46	0	0	0	0	0	0	0	0	0	39	0	0	0	6	0
Credit union	1522	0	0	0	0	0	0	0	0	0	0	1522	0	0	0	0
Finance company	975	57	7	0	104	0	53	0	0	0	32	0	720	0	0	2
State or municipal government or housing finance agency	4311	108	2	0	0	1	6	0	0	3	2	0	5	4175	0	9
Individual or individual's estate	1116	0	0	0	31	0	0	0	0	0	0	0	0	0	1085	0
Other	2059	92	20	0	11	0	16	10	107	0	0	0	1	1	155	1645
Holder's Acquisition of First Mortgage Originated directly from borrower	33613	6293	4356	652	2183	389	11217	158	1791	57	265	975	353	3259	678	989
Purchased from present servicer	15749	2187	1034	165	360	51	7724	175	1439	776	154	283	227	542	278	353
Purchased from someone else	11743	2444	1305	147	349	140	4642	208	416	78	148	264	171	460	332	642
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	37110	6665	4102	546	1629	388	13439	306	2812	345	268	1097	457	3175	688	1193
Less than 40 percent	2519	459	407	50	142	19	644	6	297	24	22	14	29	294	47	65
40 to 49 percent	1251	277	131	5	79	14	381	5	192	18	2	17	5	93	11	24
50 to 59 percent	2288	485	168	38	159	4	789	41	98	24	27	40	44	232	60	79
60 to 69 percent	3785	730	341	47	201	62	1546	20	202	29	14	111	23	300	57	103
70 to 79 percent	5010	815	649	146	266	76	1936	72	223	106	20	90	116	367	72	56
80 to 89 percent	5169	1162	655	56	197	94	1823	42	292	21	27	67	80	308	110	234
90 to 94 percent	2084	288	258	35	107	25	774	7	126	8	27	45	14	295	17	59
95 to 99 percent	1854	293	119	10	100	1	728	2	249	13	11	38	38	176	33	44
100 percent or more	11822	1900	1232	119	339	93	4296	111	1096	102	112	587	92	991	272	480
Not reported	1326	256	142	42	38	0	523	0	38	0	5	88	17	119	10	49
Median	86	84	84	78	78	82	86	82	93	77	93	14092	80	88	88	91
Other properties	23996	4260	2592	418	1263	191	10143	235	834	566	299	426	293	1087	599	790
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	37110	6665	4102	546	1629	388	13439	306	2812	345	268	1097	457	3175	688	1193
Less than 40 percent	1863	368	387	25	135	6	562	5	132	31	8	14	61	74	18	37
40 to 49 percent	1016	270	173	10	80	5	332	0	18	22	2	17	5	31	27	25
50 to 59 percent	1467	343	146	40	158	27	477	8	52	7	8	24	22	80	29	46
60 to 69 percent	10626	1767	733	87	429	163	2805	227	1576	115	161	139	64	1672	165	521
70 to 79 percent	5689	990	773	177	391	72	2168	42	207	148	36	92	89	300	90	114
80 to 89 percent	4566	1062	601	49	133	91	1733	20	217	18	17	67	77	202	164	114
90 to 94 percent	1747	273	170	6	32	3	750	0	121	0	28	48	20	253	14	29
95 to 99 percent	1262	220	75	8	40	3	550	1	218	0	1	36	32	41	13	24
100 percent or more	7645	1134	902	102	199	18	3585	3	235	4	2	572	71	424	157	236
Not reported	1229	236	142	42	32	0	477	0	34	0	5	88	17	98	10	48
Median	75	75	77	75	70	70	81	66	68	70	67	1275	78	68	81	69
Other properties	23996	4260	2592	418	1263	191	10143	235	834	566	299	426	293	1087	599	790
Not available	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
First Mortgage Risk Subprime loan	4040	506	218	73	44	39	1857	18	737	2	18	57	59	261	43	109
Not subprime loan	57065	10419	6476	891	2848	541	21726	522	2908	909	549	1465	691	4001	1245	1875
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	4579	889	545	166	238	37	1562	15	227	65	44	82	61	314	200	134
20 to 29 percent	3251	461	456	45	123	24	1123	6	349	36	54	62	29	304	109	69
30 to 39 percent	4919	865	739	89	400	61	1523	42	411	60	6	90	33	362	131	108
40 to 49 percent	7373	1682	640	124	340	99	2783	64	378	98	45	129	94	504	161	231
50 to 59 percent	9585	1591	1074	78	442	70	3646	88	505	154	95	474	202	777	78	311
60 to 69 percent	10228	1527	841	124	474	71	5075	89	437	159	152	146	97	539	201	295
70 to 79 percent	7574	1261	1205	159	348	108	2946	104	267	108	45	151	102	480	83	207
80 to 89 percent	4551	974	322	37	230	48	1726	66	329	69	30	103	26	283	105	203
90 to 99 percent	3179	529	285	52	84	28	1191	15	333	51	40	55	16	229	102	169
100 percent or more	4120	838	352	39	170	33	1297	52	360	111	56	112	72	340	90	197
Not reported or not computed	1746	307	232	52	42	0	710	0	50	0	0	117	18	129	29	60
Median	60	59	58	54	57	60	62	66	59	63	63	57	57	57	54	64
Index Used to Adjust Interest Rate on ARM Properties with adjustable rate first mortgage	9857	2489	2148	284	178	217	2943	28	247	157	115	196	192	335	111	215
Treasury security	1430	461	561	138	6	71	6	0	0	108	66	0	0	0	0	12
Average cost of funds in bank district	898	212	527	0	0	74	31	8	0	0	0	0	12	27	8	0
National average cost of funds	45	22	0	0	0	3	17	0	0	0	0	0	0	0	0	4
OTS contract mortgage rate	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other method	1262	671	286	16	9	52	15	16	0	33	42	0	61	14	10	39
No index used	144	22	21	0	0	8	29	0	10	7	0	0	0	19	11	18
Not reported	6078	1102	753	131	163	10	2845	4	237	9	7	196	119	276	82	143
Other properties	51249	8435	4546	680	2714	362	20639	513	3399	754	452	1326	557	3926	1176	1768
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	9857	2489	2148	284	178	217	2943	28	247	157	115	196	192	335	111	215
Monthly	1073	408	347	6	5	157	63	1	0	29	6	0	6	30	3	12
Every 3 months	111	15	74	0	3	0	3	0	0	0	0	0	6	0	8	1
Every 6 months	473	169	220	0	0	8	0	8	0	0	0	0	58	7	3	0
Yearly	694	350	219	62	3	27	6	9	0	3	0	0	0	0	0	16
Every 3 years	165	105	53	5	0	3	0	0	0	0	0	0	0	0	0	0
Every 5 years	910	203	404	80	3	9	0	4	0	108	92	0	0	0	8	0
Other	271	101	82	10	3	4	28	0	0	4	0	0	0	9	3	27
Not reported	6159	1138	750	121	160	10	2843	6	247	13	17	196	122	289	86	160
Other properties	51249	8435	4546	680	2714	362	20639	513	3399	754	452	1326	557	3926	1176	1768
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	9857	2489	2148	284	178	217	2943	28	247	157	115	196	192	335	111	215
Yes, rate has changed	2474	1036	842	66	10	126	101	9	0	98	41	0	62	40	11	33
No change since mortgage made	1287	380	536	97	6	85	0	12	10	45	67	0	2	7	17	23
Not reported	6096	1074	770	121	162	6	2843	7	237	13	7	196	129	289	84	159
Other properties	51249	8435	4546	680	2714	362	20639	513	3399	754	452	1326	557	3926	1176	1768
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	310	153	120	0	0	3	14	0	0	0	0	0	3	9	2	6
Payments can change monthly	22	9	4	0	0	0	0	0	0	0	0	0	0	7	0	1
Payments can change every three months	1	0	0	0	0	0	1	0	0	0	0	0	0	0	0	0
Payments can change every six months	21	5	12	0	0	3	0	0	0	0	0	0	0	0	2	0
Payments can change yearly	142	41	82	0	0	0	13	0	0	0	0	0	3	0	0	4
Payments can change every 3 years	38	38	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Payments can change every 5 years	54	47	7	0	0	0	0	0	0	0	0	0	0	0	0	0
Other	31	13	14	0	0	0	0	0	0	0	0	0	0	2	0	1
Not reported	1	1	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Monthly payments cannot change	54468	9538	5735	843	2732	571	20712	535	3409	895	560	1326	617	3972	1199	1825
Not reported	6327	1233	840	121	160	5	2857	5	237	16	7	196	130	280	86	152
First Mortgage Allows for Negative Amortization Monthly payments can change (other than change in interest rate)	310	153	120	0	0	3	14	0	0	0	0	0	3	9	2	6
Yes, unrestricted negative amortization	17	9	6	0	0	0	0	0	0	0	0	0	0	0	2	0
Yes, restricted negative amortization	88	5	66	0	0	0	13	0	0	0	0	0	0	4	0	0
No negative amortization allowed	204	139	47	0	0	3	1	0	0	0	0	0	3	5	0	6
Not reported	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Monthly payments cannot change	54468	9538	5735	843	2732	571	20712	535	3409	895	560	1326	617	3972	1199	1825
Not reported	6327	1233	840	121	160	5	2857	5	237	16	7	196	130	280	86	152
MORTGAGE PAYMENTS AND OTHER EXPENSES Method of Payment of First Mortgage Regular payments of interest and/or principal	57701	9992	6401	881	2786	555	22453	539	3580	855	559	1415	712	3951	1226	1797
Interest and principal	57200	9878	6386	880	2756	523	22316	531	3580	831	549	1415	698	3899	1201	1755
Fully amortized	44160	7533	4785	673	1545	364	18129	293	2588	67	275	1365	651	3719	972	1200
Not fully amortized	13040	2344	1601	207	1211	160	4187	238	992	764	274	50	47	179	229	556
Interest only	501	115	14	1	30	31	137	7	0	24	9	0	13	52	25	41
No regular payments required	554	132	27	0	21	17	110	2	16	56	7	0	4	76	11	74
Not reported	2850	800	267	83	84	7	1020	0	50	0	1	107	34	234	50	113
Items Included in First Mortgage Payment@1 Regular monthly payments of both interest and principal	57200	9878	6386	880	2756	523	22316	531	3580	831	549	1415	698	3899	1201	1755
Real estate taxes	14694	1452	1428	254	1024	336	5611	433	436	754	466	0	48	1690	226	538
Property insurance	10761	1015	380	116	414	243	5150	407	399	130	294	0	30	1544	169	470
Mortgage insurance	4644	410	62	52	57	103	2334	179	290	14	219	0	20	445	126	333
Other	8849	594	218	53	104	167	4405	378	154	470	312	0	27	1717	22	229
No items included or not reported	42191	8392	4949	626	1711	188	16636	95	3121	71	76	1415	651	2084	967	1208
No regular payments of interest and principal	3906	1047	308	84	136	56	1267	9	66	79	18	107	51	363	87	228
Monthly Interest and Principal Payments on First Mortgage Per Housing Unit Regular monthly payments of interest and/or principal	60551	10792	6667	964	2870	562	23473	539	3630	855	560	1522	746	4185	1276	1910
Less than $100	9338	1761	988	166	190	89	3040	68	1253	71	46	454	127	507	339	239
$100 to $199	18480	3615	2382	320	905	258	6355	260	961	455	320	412	203	1152	264	618
$200 to $299	16475	2333	1496	275	971	103	7806	122	716	198	103	252	207	1089	290	515
$300 to $399	6807	1107	797	49	412	49	2768	44	348	70	19	151	84	573	138	197
$400 to $499	3065	568	255	47	130	13	1220	16	145	31	35	55	20	340	109	80
$500 to $599	1326	244	196	5	58	6	411	4	114	6	4	14	23	127	24	89
$600 to $699	629	119	70	9	14	22	245	11	11	5	1	29	5	43	23	22
$700 to $799	369	45	38	0	27	3	142	8	14	0	6	22	3	44	10	7
$800 to $899	225	50	17	1	20	0	99	0	0	15	5	3	3	3	0	9
$900 to $999	134	33	16	2	4	1	34	2	7	0	2	0	1	28	3	1
$1,000 to $1,249	263	54	41	0	11	0	81	0	10	0	12	14	10	10	8	13
$1,250 to $1,499	143	24	14	0	12	2	61	1	0	1	0	9	1	13	0	4
$1,500 or more	449	38	91	7	33	8	193	2	0	2	6	0	25	23	18	3
Not reported	2850	800	267	83	84	7	1020	0	50	0	1	107	34	234	50	113
Median	206	189	193	186	231	173	223	177	156	178	173	161	213	229	204	208
Mean	257	242	254	217	280	263	267	221	188	220	235	213	397	297	287	250
No regular payments required	554	132	27	0	21	17	110	2	16	56	7	0	4	76	11	74
Current First Mortgage Payment Status Regular monthly payments of principal and/or interest	60551	10792	6667	964	2870	562	23473	539	3630	855	560	1522	746	4185	1276	1910
Up-to-date, ahead of schedule, or less than 90 days past due	21279	3353	2181	290	1764	472	5803	512	2075	850	530	42	116	2039	505	747
Delinquent by 90 days or more	140	47	11	0	0	4	1	1	22	2	3	0	6	34	4	5
Legal proceedings have begun	18	2	4	0	0	0	0	0	4	0	0	0	0	2	3	3
Legal proceedings have not begun	115	45	6	0	0	4	1	1	18	2	3	0	0	31	1	2
Not reported	7	0	0	0	0	0	0	0	0	0	0	0	6	1	0	0
Not reported	39132	7392	4476	674	1107	86	17668	25	1533	3	27	1480	624	2113	767	1158
Other properties	554	132	27	0	21	17	110	2	16	56	7	0	4	76	11	74
Interest and Principal Payment on First Mortgage as Percent of Rental Receipts Acquired before 2000 and regular payments of interest and/or princi	51555	8750	5643	799	2554	478	19784	497	3387	796	531	1326	639	3676	1045	1650
Less than 20 percent	7092	1247	808	186	285	90	1972	50	805	121	47	450	73	519	235	205
20 to 29 percent	9847	1463	1259	130	426	123	4123	96	630	293	116	136	121	572	82	276
30 to 39 percent	13281	2099	1366	256	735	121	5748	160	499	146	206	209	158	869	193	518
40 to 49 percent	9671	1600	932	103	577	51	3634	138	606	118	90	262	138	810	303	311
50 to 59 percent	5508	983	640	69	241	36	2201	14	346	34	11	94	75	460	94	211
60 to 69 percent	2371	548	240	24	102	13	760	1	223	11	6	89	15	213	89	36
70 to 79 percent	953	232	105	13	28	0	295	6	69	10	37	17	9	80	9	44
80 to 89 percent	380	73	24	0	9	0	143	5	83	0	1	0	7	21	0	14
90 to 99 percent	286	65	20	3	7	0	133	7	0	0	0	19	0	13	1	18
100 percent or more	2044	403	237	16	140	40	717	21	127	58	17	51	42	118	39	16
Not reported or not computed	123	37	13	0	4	4	59	0	0	4	0	0	0	1	0	1
Median	37	38	35	33	38	32	37	36	35	29	35	34	38	39	40	37
Other properties	9550	2175	1051	165	338	101	3798	44	259	115	35	197	111	585	243	333
Real Estate Tax Per $1,000 Value Acquired before 2000	54526	9531	5912	882	2645	495	20763	499	3448	820	540	1429	666	3962	1101	1832
Less than $5	7448	1327	780	83	324	59	2733	62	769	93	46	127	119	626	85	215
$5 to $9	10417	2111	1133	155	510	146	3708	121	662	84	58	215	173	802	305	235
$10 to $14	13407	2380	1484	252	735	120	4644	97	811	115	250	577	107	1146	299	389
$15 to $19	9253	1235	866	125	416	52	4586	101	459	74	104	164	122	488	161	300
$20 to $24	4458	846	507	57	268	45	1659	42	229	84	42	112	56	228	109	173
$25 to $29	2951	500	376	78	96	25	1072	16	145	106	15	55	26	141	77	224
$30 to $39	5941	998	702	115	275	48	2117	60	362	264	25	103	53	492	47	279
$40 to $49	11	0	0	0	6	0	5	0	0	0	0	0	0	0	0	0
$50 to $59	4	0	0	0	0	0	0	0	0	0	0	4	0	0	0	0
$60 or more	45	0	9	7	9	0	10	0	0	0	0	5	0	0	0	5
Not reported or not computed	591	134	55	10	7	0	230	0	10	0	0	66	11	40	17	11
Median	13	13	13	14	13	12	14	13	12	23	13	13	12	12	13	16
Acquired 2000 and 2001 (part)	6579	1393	782	82	246	85	2820	42	198	91	27	93	83	300	186	152
Real Estate Tax as Percent of Rental Receipts Acquired before 2000	54526	9531	5912	882	2645	495	20763	499	3448	820	540	1429	666	3962	1101	1832
Less than 5 percent	12701	2252	1347	192	475	92	4806	113	1025	181	88	199	200	1103	262	369
5 to 9 percent	25285	4282	2689	382	1377	248	9841	230	1437	157	324	855	274	1872	548	768
10 to 14 percent	10830	1741	1290	191	575	84	4175	136	694	244	109	222	95	508	205	562
15 to 19 percent	2602	458	306	72	102	12	873	9	151	125	9	42	40	275	62	65
20 to 24 percent	1172	342	83	26	24	8	419	7	84	32	6	14	9	81	1	35
25 to 29 percent	330	76	30	1	17	17	78	0	30	14	4	11	3	50	0	0
30 to 34 percent	128	4	27	1	13	4	58	0	2	7	0	0	7	1	0	2
35 to 39 percent	62	20	2	0	1	0	5	0	0	3	0	0	24	8	0	0
40 percent or more	696	185	71	7	51	25	215	4	15	53	0	22	4	24	5	15
Not reported or not computed	721	171	68	10	11	4	292	0	10	4	0	66	11	41	17	16
Median	8	8	8	8	8	8	8	8	7	11	8	8	7	7	8	9
Acquired 2000 and 2001 (part)	6579	1393	782	82	246	85	2820	42	198	91	27	93	83	300	186	152
Property Management Property managed by paid property management company	53642	9367	5878	798	2464	550	20947	478	3226	730	445	1426	697	3739	1085	1813
Property not managed by paid property management company	4980	1027	573	107	311	18	1891	26	166	140	66	62	46	253	170	125
Not reported	2483	530	244	59	117	12	744	36	254	41	56	34	7	269	33	46
Property Management and Administration Expenses Per Housing Unit Acquired before 2000	54526	9531	5912	882	2645	495	20763	499	3448	820	540	1429	666	3962	1101	1832
Less than $100	880	70	27	38	38	2	551	21	4	7	0	10	11	24	36	41
$100 to $199	2610	577	326	40	158	17	926	16	133	32	10	51	39	123	94	69
$200 to $299	5643	1002	764	158	374	61	1938	56	232	127	79	180	112	318	103	139
$300 to $399	7425	1271	911	102	310	83	2709	51	411	106	70	441	148	444	160	208
$400 to $499	6691	925	541	70	223	21	3449	69	474	72	28	121	82	337	158	120
$500 to $599	3733	650	525	54	179	30	1361	6	172	104	50	43	31	271	44	213
$600 to $699	2661	480	275	18	84	34	1073	14	208	35	15	54	10	188	110	62
$700 to $799	2445	463	336	30	184	74	818	23	182	23	8	29	19	137	27	94
$800 to $899	1905	325	172	54	147	4	762	26	147	24	12	36	13	134	11	36
$900 to $999	1718	259	172	13	61	14	612	30	123	36	5	84	8	227	26	46
$1,000 to $1,249	4002	621	319	53	217	48	1479	46	390	42	59	81	40	413	49	145
$1,250 to $1,499	2668	443	296	33	137	29	915	17	256	10	58	63	28	251	18	114
$1,500 to $1,999	2146	292	195	25	79	25	954	8	165	27	14	37	10	235	32	48
$2,000 to $2,499	668	122	61	14	26	0	199	6	60	6	24	0	8	93	5	43
$2,500 or more	1315	172	117	7	68	2	676	25	39	5	4	18	2	107	20	53
No expenses	2649	618	419	76	124	18	663	27	136	72	7	33	29	167	43	217
Not reported or not computed	5367	1241	457	98	235	31	1679	57	316	91	96	146	76	494	165	184
Median	500	499	491	423	522	626	490	492	635	478	561	387	381	671	434	565
Acquired 2000 and 2001 (part)	6579	1393	782	82	246	85	2820	42	198	91	27	93	83	300	186	152
Maintenance and Repair Expenses Per Housing Unit Acquired before 2000	54526	9531	5912	882	2645	495	20763	499	3448	820	540	1429	666	3962	1101	1832
Less than $100	1701	275	170	24	80	12	890	5	66	7	2	4	9	39	42	75
$100 to $199	2336	425	234	32	138	18	911	35	119	31	16	39	24	136	16	162
$200 to $299	3035	625	377	86	158	19	1025	11	137	47	49	53	58	211	97	82
$300 to $399	3625	699	416	114	183	28	1208	33	361	39	64	71	36	140	136	98
$400 to $499	3956	587	575	31	219	56	1513	61	201	68	71	50	108	268	46	103
$500 to $599	3809	644	300	64	224	69	1610	30	228	54	18	120	44	142	85	176
$600 to $699	3894	642	453	27	126	38	1246	29	301	46	28	402	80	253	68	155
$700 to $799	3267	645	381	19	171	14	1144	28	253	56	28	46	55	220	124	81
$800 to $899	4348	517	354	64	152	27	2447	32	174	127	17	70	20	205	51	93
$900 to $999	2276	332	277	19	155	4	818	56	131	15	21	52	21	242	29	103
$1,000 to $1,249	5489	806	694	60	164	69	2370	22	296	82	62	122	22	419	105	196
$1,250 to $1,499	3390	643	391	112	171	26	1187	32	242	40	9	42	46	279	39	132
$1,500 to $1,999	3603	600	343	75	224	24	1175	44	365	46	22	134	41	360	53	96
$2,000 to $2,499	1419	186	100	12	138	34	448	15	110	19	19	27	29	220	18	42
$2,500 or more	1918	344	235	45	105	30	668	5	93	48	16	41	15	202	25	48
No expenses	382	201	14	9	8	0	117	1	0	0	0	3	0	14	4	11
Not reported or not computed	6079	1361	599	92	230	26	1987	59	370	94	96	152	58	610	164	181
Median	751	714	733	776	744	686	781	754	749	812	606	675	630	922	667	681
Acquired 2000 and 2001 (part)	6579	1393	782	82	246	85	2820	42	198	91	27	93	83	300	186	152
Utility and Fuel Expenses Per Housing Unit Acquired before 2000	54526	9531	5912	882	2645	495	20763	499	3448	820	540	1429	666	3962	1101	1832
Less than $250	4141	816	415	43	252	22	1592	12	326	18	21	98	53	212	116	144
$250 to $499	13717	2250	1511	189	693	195	5327	195	923	55	239	270	248	773	277	572
$500 to $749	13807	1957	1425	242	729	148	6038	112	903	174	85	218	139	991	240	405
$750 to $999	7962	1457	873	108	388	42	2752	35	447	238	44	524	63	660	117	214
$1,000 to $1,249	4215	777	526	92	143	27	1464	25	280	109	16	98	60	432	67	99
$1,250 to $1,499	1887	314	238	31	54	8	612	44	126	91	8	31	20	176	20	116
$1,500 to $1,749	1046	166	149	50	23	7	399	1	55	13	2	8	22	72	48	30
$1,750 to $1,999	464	84	65	12	45	0	142	1	21	10	6	10	4	29	2	32
$2,000 to $2,499	336	54	52	5	20	7	102	10	8	15	0	1	6	39	4	10
$2,500 or more	506	93	47	12	36	1	211	0	7	5	16	19	0	36	6	17
No expenses	572	169	60	5	33	0	252	1	1	0	7	13	0	10	0	22
Not reported or not computed	5874	1393	551	94	230	39	1872	63	349	92	96	139	52	532	204	171
Median	612	617	627	665	585	519	599	524	583	872	457	775	512	683	558	564
Acquired 2000 and 2001 (part)	6579	1393	782	82	246	85	2820	42	198	91	27	93	83	300	186	152