LIST OF FINANCIAL INSTITUTIONS WHOSE DATA MAKE UP THE 2006 MSA/MD AGGREGATE REPORT

Transcription

1 LIST OF FINANCIAL INSTITUTIONS WHOSE DATA MAKE UP THE 2006 MSA/MD AREATE REPORT Page 1 of 5 INSTITUTIONS WHO HAVE A HOME OR BRANCH OFFICE IN THE MSA/MD AAMES FUNDIN CORPORATION ABE FCU ABN AMRO MORTAE ROUP, INC. ACCESS NATIONAL MORTAE CORP ACCREDITED HOME LENDERS, INC ACT LENDIN CORPORATION ADVANCED FINANCIAL SERVICES IN AEIS FUNDIN CORPORATION AEIS LENDIN CORPORATION AEIS WHOLESALE CORPORATION ALLIANCE BANCORP ALLIANCE MORTAE BANKIN CORP ALLIED MORTAE ROUP, INC AMERICAN COMMUNITY BANK AMERICAN DREAM MORTAE BANKER AMERICAN FEDERAL MORTAE CORP AMERICAN FINANCIAL RESOURCES,I AMERICAN ENERAL HOME EQU.(DE) AMERICAN HOME MORTAE CORP. AMERICAN MORTAE AMERICAN MORTAE EXPRESS CORP AMERIQUEST MORTAE COMPANY APPLE BANK FOR SAVINS APPROVED FUNDIN CORP. ARENT MORTAE COMPANY ARLINTON CAPITAL MORTAE ASTORIA FEDERAL MORTAE CORP. ASTORIA FEDERAL SAVINS & LOAN BANK LEUMI USA BANK OF AMERICA, N.A. BANK OF SMITHTOWN BAYROCK MORTAE CORPORATION BEAR STEARNS RESIDENTIAL MORT BENEFICIAL COMPANY LLC BETHPAE FEDERAL CREDIT UNION BNC MORTAE BNY MORTAE COMPANY BRDIEHAMPTON NATIONAL BANK BROOKLYN FEDERAL SAVIN BANK BUDET MORTAE BANKERS, LTD BUILDERS BANK CAMBRIDE HOME CAPITOL, LLC CAPITAL ONE HOME LOANS, LLC CASTLE POINT MORTAE, INC. CCO MORTAE CITIBANK, N.A. CITIFINANCIAL COMPANY(DE) CITIFINANCIAL MT CO, INC CITIMORTAE, INC CITY CAPITAL MORTAE BANKIN CITY NATIONAL BANK OF NJ CLIFFCO, INC. DBA CLIFFCO MORT COLUMBIA HOME LOANS, LLC COMMERCE BANK, NA COMMONWEALTH HOME MORTAE BAN COMMUNITY NATIONAL BANK COMMUNITY RESOURCE MORTAE CONCORD MORTAE CORP CONTINENTAL HOME LOANS INC CORINTHIAN MORTAE CORP COUNTRYWIDE HOME LOANS CREDIT SUISSE FINANCIAL CORP CTX MORTAE COMPANY, LLC CU FACTORY BUILT LENDIN, LP CUC MORTAE CORPORATION DECISION ONE MORTAE DELTA FUNDIN CORPORATION DOLLAR MORTAE CORPORATION DYNAMIC MORTAE BANKERS LTD. E-LOAN INC EHOMECREDIT CORP EMIRANT FUNDIN CORPORATION EMIRANT MORTAE COMPANY, INC ENCORE CREDIT CORP EQUIFIRST CORPORATION EQUIHOME MORTAE, CORP. EQUITY NOW INC. EQUITY ONE, INC. EQUITY SERVICES, INC. EVERHOME MORTAE COMPANY FAA EASTERN REION FCU FAIRFIELD FINANCIAL MORTAE FEDERAL MORTAE & INVESTMENT FIELDSTONE MORTAE COMPANY FIFTH THIRD MORTAE COMPANY FIRST ALTERNATIVE MORTAE COR FIRST CENTRAL SAVINS BANK FIRST HORIZON HOME LOAN CORP FIRST LINCOLN MORTAE CORP. FIRST MANUS FINANCIAL CORP FIRST MERIDIAN MORTAE FIRST NLC FINANCIAL SERVICES, FIRST RATE CAPITAL CORP. FIRST RESIDENTIAL MORTAE FIRST RESIDENTIAL MORTAE FIRST SUFFOLK MORTAE CORP FIRST TRADE UNION BANK FIRST UNITED MORTAE BANKIN FLUSHIN SAVINS BANK, FSB. FRANKLIN FIRST FINANCIAL FREEDOM MORTAE CORP. reentree Mortgage Co., L.P. ATEWAY FUNDIN DMS, L.P. B HOME EQUITY, LLC EICO FEDERAL CREDIT UNION FI MORTAE BANKERS, INC. MAC MORTAE LLC REENLIHT FINANCIAL SERVICES REENPOINT MORTAE FUNDIN RIFFIN MORTAE CORPORATION UARDIAN LOAN COMPANY UIDANCE RESIDENTIAL, LLC H&R BLOCK MORTAE CORPORATION HARTFORD FUNDIN HFC COMPANY LLC HOAR MORTAE & FINANCIAL SER HOME CONSULTANTS INC HOME LOAN CENTER, INC HOME TEAM FINANCIAL LLC HOMECOMIN FINANCIAL NETWORK HOMEOWNERS LOAN CORPORATION HOMESTEAD FUNDIN CORP HOME123 CORPORATION HSBC BANK USA, NA HSBC MORTAE CORPORATION HSBC MORTAE SERVICES, INC. HUDSON CITY SAVINS BANK HUDSON HOME LOANS IDEAL MORTAE BANKERS, LTD IFREEDOM DIRECT CORPORATION IMPAC FUNDIN CORP INTERSTATE HOME LOAN CENTER IN INTERVALE MORTAE IRWIN HOME EQUITY CORP IRWIN MORTAE CORPORATION ISLAND FEDERAL CREDIT UNION JPMORAN CHASE BANK KEYBANK NATIONAL ASSOCIATION

2 LIST OF FINANCIAL INSTITUTIONS WHOSE DATA MAKE UP THE 2006 MSA/MD AREATE REPORT Page 2 of 5 INSTITUTIONS WHO HAVE A HOME OR BRANCH OFFICE IN THE MSA/MD LANCASTER MORTAE BANKERS LEND-MOR MORTAE BANKERS CORP LON BEACH MORTAE CO. LUFTHANSA FEDERAL CREDIT UNION LUXURY MORTAE CORP. LYONS MORTAE SERVICES, INC. M&T MORTAE CORPORATION M&T REAL ESTATE TRUST M&T REALTY CAPITAL CORP Maspeth Federal Savings and Lo MACQUARIE MORTAES, USA MADISON HOME EQUITIES, INC. MANUFACTURERS AND TRADERS TRUS MCS MORTAE BANKERS, INC MERITAE MORTAE CORPORATION MERRILL LYNCH CREDIT CORP. MERRILL LYNCH MORTAE LENDIN METROCITIES MORTAE LLC MID-ISLAND MORTAE CORP. MILLENNIUM BCPBANK MILLENNIUM HYLAND MORTAE LLC MLD MORTAE INC. MONTOMERY MORTAE CAPITAL CO MOREQUITY,INC. (NV) MORAN STANLEY CREDIT CORPORAT MORTAE ENTERPRISE, LTD MORTAE LINE FINANCIAL CORP. MORTAE MASTER, INC. MORTAE NETWORK, INC. MORTAE SOURCE LLC MORTAE WAREHOUSE MORTAE WORLD BANKERS INC MORTAEIT MUNICIPAL CREDIT UNION NASSAU EDUCATORS F.C.U. NASSAU FINANCIAL FED CU NATIONSTAR MORTAE LLC NATIONWIDE ADVANTAE MORTAE NCPD FEDERAL CREDIT UNION NEW CENTURY MORTAE CORPORATI NEW DAY FINANCIAL LLC NEW YORK COMMUNITY BANK NEXSTAR FINANCIAL CORPORATION NJ LENDERS CORP NORTH FORK BANK NOVASTAR HOME MORTAE, INC. NOVASTAR MORTAE, INC. NSLIJ HEALTH SYSTEM FED CU OCEANFIRST BANK OCEANSIDE CHRISTOPHER FCU OCWEN LOAN SERVICIN LLC ODYSSEY FUNDIN LLC OPTEUM FINANCIAL SVCS LLC OPTION ONE MORTAE CORP Polish and Slavic Federal Cred PEOPLE'S ALLIANCE FCU PEOPLE'S CHOICE FINANCIAL CORP PHH HOME LOANS PHH MORTAE CORPORATION PINNACLE MORTAE ROUP PRECISION FINANCIAL INC. PREMIUM CAPITAL FUNDIN PRICELINE MORTAE COMPANY LLC PRIME LENDIN PRIME MORTAE FINANCIAL PROFESSIONAL MORTAE BANKERS QUICKEN LOANS REAL ESTATE MORTAE NETWORK REDIDENTIAL FUNDIN CORP. REFINANCE.COM REPUBLIC FEDERAL BANK, N.A. RESIDENTIAL FINANCE CORPORATIO RESIDENTIAL HOME FUNDIN RESMAE MORTAE CORPORATION RIDEWOOD SAVINS BANK Summit Mortgage Bankers, Inc SAFRA NATIONAL BANK OF NY SAXON MORTAE SECURITY ATLANTIC WHOLESALE SECURITY HOME MORTAE SELF RELIANCE (NY) FCU SHAMROCK FINANCIAL CORPORATION SHASTA FINANCIAL SERVICES, INC SIERRA PACIFIC MORTAE SINATURE BANK SIRVA MORTAE, INC. SOMERSET INVESTORS CORP. SOUTHERN STAR MORTAE CORP SOUTHSTAR FUNDIN, LLC SOVEREIN BANK SPERRY ASSOCIATES FCU STANLEY CAPITAL MORTAE CO STATE BANK OF LON ISLAND STERLIN NATIONAL MORTAE CO. SUFFOLK COUNTY NATIONAL BANK SUFFOLK FEDERAL CREDIT UNION SULLIVAN FINANCIAL SERVICES SUNSET DIRECT LENDIN SUNSET MORTAE COMPANY, L.P. SUNTRUST MORTAE, INC SUPERIOR MORTAE CORP TEACHERS FEDERAL CREDIT UNION THE BANK OF NEW YORK THE BERKSHIRE BANK THE CIT ROUP/CONSUMER FINANCE THE DIME SAVINS BANK OF WILLI THE FIRST NATIONAL BNK OF LI THE MONEY SOURCE THE MORTAE BANKERS CORP THE NEW YORK MORTAE COMPANY THORNBUR MORTAE HOME LOANS TOWN OF HEMPSTEAD EFCU TRIBECA LENDIN CORP. UBS MORTAE LLC ULSTER SAVINS BANK UNITED MORTAE CORP UNITED NORTHERN MORTAE BANK UNITED STATES TRUST COMPANY NA US MORTAE CORPORATION UVANTAE HOME LENDIN SERVICES WACHOVIA BANK WACHOVIA MORTAE WALL STREET FINANCIAL CORP. WALL STREET MORTAE BANKERS L WEICHERT FINANCIAL SERVICES WELLS FARO BANK, NA WELLS FARO FIN'L CRED SERV NY WELLS FARO FUNDIN, INC WHITMAN MORTAEE WILMINTON FINANCE, INC. WMC MORTAE COMPANY WORLD SAVINS BANK, FSB XPULTE MORTAE LLC 1ST REPUBLIC MORTAE BANKERS 21ST MORTAE CORPORATION

3 LIST OF FINANCIAL INSTITUTIONS WHOSE DATA MAKE UP THE 2006 MSA/MD AREATE REPORT Page 3 of 5 INSTITUTIONS WHO DO NOT HAVE A HOME OR BRANCH OFFICE IN THE MSA/MD American Heritage FCU ABACUS FEDERAL SAVINS BANK ACF PARTNERS ADP FEDERAL CREDIT UNION AFFINITY FEDERAL CREDIT UNION AI FEDERAL SAVINS BANK ALAMEDA MORTAE CORPORATION ALLIANT CREDIT UNION ALLIED FIRST BANK ALLSTATE FEDERAL SAVINS BANK ALPINE CAPITAL BANK AMALAMATED BANK AMC MORTAE SERVICES, INC. AMERA MORTAE CORPORATION AMERICAN AIRLINES FEDERAL CRED AMERICAN ENTERPRISE BANK OF FL AMERICAN EXPRESS BANK, FSB AMERICAN ENERAL FIN.SERV.(DE) AMERICAN HOME LOANS AMERICAN PARTNERS BANK AMERICAN UNIFIED MORTAE, INC AMERITRUST MORTAE COMPANY LL ANDREWS FEDERAL CREDIT UNION ANHEUSER-BUSCH EMPLOYEES CU ARK MORTAE, INC. ATLANTA POSTAL CREDIT UNION ATLAS SAVINS AND LOAN ASSOCIA AURORA FINANCIAL ROUP INC B. F. SAUL MORTAE COMPANY Berkshire Bank BALLSTON SPA NATIONAL BANK BANCO POPULAR NATIONAL ASSOC BANCO POPULAR NORTH AMERICA BANK OF BLUE VALLEY BANK OF CHINA BANK OF COMMERCE BANK OF ENLAND BANK OF INTERNET USA BANK OF THE WEST BANK-FUND STAFF FEDERAL CU BANKATLANTIC BANKERS MORTAE TRUST BANKFINANCIAL, F.S.B. BANKUNITED, FSB BAYER FEDERAL CREDIT UNION BEST RATE FUNDIN CORP Clearview Federal Credit Union CAPITAL ONE N.A. CAPITALONE CARVER FEDERAL SAVINS BANK CATHAY BANK CENTRAL PACFIC MORTAE CHARLES SCHWAB BANK CHARTER ONE BANK CHASE MANHATTAN BANK USA, NA CHEVY CHASE BANK, F.S.B. CHICAO BANCORP, INC. CHINATOWN FEDERAL SAVINS BANK CITICORP TRUST BANK, FSB CITIZENS BANK CITIZENS BANK NEW HAMPSHIRE CITIZENS BANK OF CONNECTICUT CITIZENS BANK OF MASSACHUSETTS CITIZENS BANK OF PENNSYLVANIA CITIZENS BANK OF RHODE ISLAND CITIZENS BANK, N.A. CITY NATIONAL BANK CITY NATIONAL BANK OF WV CITY 1ST MORTAE SERVICES, LC COLONIAL SAVINS, F.A. COLORADO FEDERAL SAVINS BANK COMMERCE BANK, NORTH COMMONFUND MORTAE CORP COMPASS BANK CONSUMERS FEDERAL CREDIT UNION CORNIN FEDERAL CREDIT UNION COUNTRYWIDE BANK, N.A. COUNTRYWIDE KB HOME LOANS CREVECOR MORTAE INC CROSS COUNTY FEDERAL S.B. DELTA COMMUNITY CU DEUTSCHE BANK TRUST COMPANY AM DEVERE MORTAE CORPORATION DEVON BANK DIITAL FEDERAL CREDIT UNION DISCOVER BANK DOMESTIC BANK DORAL BANK, FSB DOWNEY SAVINS AND LOAN DVA FEDERAL CREDIT UNION DYNAMIC CAPITAL MORTAE, INC E*TRADE BANK EASTERN SAVINS BANK EDS CREDIT UNION EMPIRE STATE BANK, NA ENT FEDERAL CREDIT UNION ESL FEDERAL CREDIT UNION EVERBANK FARM BUREAU BANK FEMBI MORTAE FIDELITY & TRUST MORTAE, INC FIDELITY BANK FIRST AMERICAN INT'L BANK FIRST BANK FIRST BK OF BRNSWCK DBA AMERIS FIRST UARANTY MORTAE CORP FIRST INDEPENDENT MORTAE FIRST INDIANA BANK FIRST INTERNET BANK OF INDIANA FIRST MUTUAL CORPORATION FIRST NATIONAL BANK OF ARIZONA FIRST NATIONAL BANK OF PA FIRST NIAARA BANK FIRST PRIORITY MORTAE, INC FIRST REPUBLIC BANK FIRST STATE BANK OF E. DETROIT FIRST TENNESSEE BANK NA FIRSTMERIT MORTAE CORP FLASTAR BANK FLATBUSH FED SAV AND LOAN ASSN FRANKLIN BANK SSB FRANKLIN FINANCIAL FREMONT INVESTMENT & LOAN reater Buffalo Savings Bank ARDEN STATE MORTAE CORP. ATEWAY BANK ATEWAY BUSINESS BANK E MONEY BANK EORIA BANKIN COMPANY IBRALTAR PRIVATE BANK & TRUST MAC BANK RAND BANK N.A. REENWOOD CREDIT UNION UARANTY BANK, FSB HANSCOM FEDERAL CREDIT UNION HARLEYSVILLE NATIONAL BANK HARRIS N.A. HEARTLAND BANK

4 LIST OF FINANCIAL INSTITUTIONS WHOSE DATA MAKE UP THE 2006 MSA/MD AREATE REPORT Page 4 of 5 INSTITUTIONS WHO DO NOT HAVE A HOME OR BRANCH OFFICE IN THE MSA/MD HOME CAPITAL, INC. HOME FUNDIN FINDERS, INC. HOMESERVICES FINANCIAL, LLC HOMESTONE MORTAE HUDSON VALLEY BANK IBM SOUTHEAST EMPLOYEES' FEDER INDUSTRIAL BANK OF KOREA INDYMAC BANK, F.S.B. IN BANK, FSB INTERVEST NATIONAL BANK INTRUST BANK, N. A. INVESTORS SAVINS BANK JAMES B. NUTTER & CO. JUSTICE FEDERAL CREDIT UNION K. HOVNANIAN AMERICAN MORTAE KEYSTONE NAZARETH BANK & TRUST KINECTA FEDERAL CREDIT UNION LASALLE BANK MIDWEST, NA LASALLE BANK NA LEACY BANKS LEHMAN BROTHERS BANK LIBERTY BANK LOCKHEED FEDERAL CREDIT UNION LON MORTAE COMPANY LYDIAN PRIVATE BANK M & M RESOURCES UNLIMITED INC. Melrose Credit Union Mercury, Inc. Mid-Hudson Valley Federal Cred MACKINAC SAVINS BANK, FSB MARATHON NATIONAL BANK OF NY MBNA AMERICA DELAWARE, N.A. MEASTAR FINANCIAL MELLON TRUST OF NEW ENLAND MERIDIAN BANK METLIFE BANK, N.A. METROPOLITAN NATIONAL BANK MN FUNDIN CORP MID PENN BANK MIDFIRST BANK MILLENNIUM HOME LOANS MOBILITY HOME LOANS MORTAE STRATEIES ROUP LLC MOUNTAIN MORTAE CORP. MUTUAL SECURITY CREDIT UNION I National City Bank Nationwide NATIONAL BANK OF ARKANSAS NATIONAL BANK OF KANSAS CITY NBANK, N.A. NCB, FSB NETBANK FUNDIN SERVICES NEW YORK TIMES EMPLOYEES FCU NEWALLIANCE BANK NFCU NFM, INC. NORDSTROM FSB NORTH AMERICAN SAVINS BANK NORTHEAST ALLIANCE FEDERAL CRE NORTHERN TRUST BANK, FSB NORTHERN TRUST, NA OCEAN BANK FSB OHIO SAVINS BANK ORIEN FINANCIAL PA STATE EMPLOYEES CU PARAMOUNT BANK PARKVALE SAVINS BANK PARTNERS 1ST FEDERAL C. U. PENTAON FEDERAL CREDIT UNION PEOPLE'S BANK PINNACLE FEDERAL CREDIT UNION PINNACLE FINANCIAL PLATINUM COMMUNITY BANK PNC BANK, NA PONCE DE LEON FEDERAL BANK PRINCIPAL BANK PRORESSIVE CREDIT UNION PROVIDENT BANK PULASKI BANK QSIDE FEDEERAL CREDIT UNION QUEENS POSTAL FCU QUORUM FEDERAL CREDIT UNION R- CROWN BANK RANDALL MORTAE SERVICES, INC RAYMOND JAMES BANK RBC CENTURA REAL ESTATE MORTAE CORP REIONS BANK RESOURCE BANK ROYAL CROWN BANCORP Spencer Savings Bank SAE CREDIT COMPANY, INC. SALISBURY BANK AND TRUST CO. SDFCU SECURITY SAVINS BANK, FSB SELECT MORTAE CORPORATION SHANHAI COMMERCIAL BANK, LTD. SHARE PLUS FEDERAL BANK SHINHAN BANK AMERICA SILVERATE BANK SKYLINE FINANCIAL CORP SLEEPY HOLLOW BANK SLM FINANCIAL CORPORATION STATE FARM BANK STATEWIDE BANK SUMA (YONKERS) FCU SUNMARK FEDERAL CREDIT UNION SUNTRUST BANKS, INC SUTTON BANK SYNERY MORTAE CORP. SYNOVUS MORTAE CORPORATION TAMMAC HOLDINS CORPORATION TAYLOR, BEAN & WHITAKER TBI MORTAE COMPANY TD BANKNORTH, N.A. THE BANK OF EAST ASIA (U.S.A.) THE CENTREVILLE NATIONAL BANK THE COCA-COLA FAMILY FCU THE HUNTINTON NATIONAL BANK THE LENDIN CONNECTION, INC THE LOAN CORPORATION THE MILFORD NATIONAL BANK AND THE MORTAE STORE FINANCIAL THE NORTHERN TRUST COMPANY THE PROVIDENT BANK THE WASHINTON SAVINS BANK THRIVENT FINANCIAL BANK TOYOTA FINANCIAL SAVINS BANK TWH MORTAE TWIN CITY CO-OPS FCU U.S. POSTAL SERVICE FCU UBS A, NEW YORK BRANCH UKRAINIAN NATIONAL FCU UNION FEDERAL C/O SKY BANK UNION FEDERAL SAVINS BANK UNION STATE BANK UNISTAR FEDERAL CREDIT UNION UNITED BANK INC

5 LIST OF FINANCIAL INSTITUTIONS WHOSE DATA MAKE UP THE 2006 MSA/MD AREATE REPORT Page 5 of 5 INSTITUTIONS WHO DO NOT HAVE A HOME OR BRANCH OFFICE IN THE MSA/MD UNITED COMMERCIAL BANK UNITED COMMUNITY MORTAE CORP UNITED FINANCIAL MORTAE CORP UNITED MEDICAL BANK UNITED NATIONS FEDERAL CU UNITED PACIFIC MORTAE UNITED SECURITY FINANCIAL UNITY MORTAE CORP. UNIVERSAL AMERICAN MT. CO.LLC US BANK NORTH DAKOTA US BANK, N.A. USA HOME LOANS USAlliance Federal Credit Unio USAA FEDERAL SAVINS BANK VALLEY BANK VALLEY NATIONAL BANK VARTAN NATIONAL BANK WASHINTON MUTUAL BANK WASHINTON MUTUAL BANK, FSB WEBSTER BANK, N.A. WELLS FARO FIN'L NEW MEXICO WELLS FARO FIN'L SYS FLORIDA WELLS FARO FINL NEW HAMPSHR 1 WESTAMERICA MORTAE CORP WESTERN FEDERAL CREDIT UNION WESTERN STATES MORTAE WILMINTON TRUST COMPANY WILMINTON TRUST FSB WOORI AMERICA BANK XCEL FEDERAL CREDIT UNION ZIONS FIRST NATIONAL BANK 1ST COLONIAL NATIONAL BANK 1ST CONSTITUTION BANK 1ST MARINER BANK 1199 SEIU FEDERAL CREDIT UNION 20TH CENTURY FOX FCU

6 AREATE TABLE 1: DISPOSITION OF LOAN APPLICATIONS, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 2006 Page 1 of 98 Home Purchase CENSUS TRACT OR COUNTY NAME AND DISPOSITION OF APPLICATION 1/ (STATE/COUNTY/TRACT NUMBER) FHA, FSA/RHS & VA Conventional on 1-to-4 Family and Manufactured Home Dwellings on Dwellings Nonoccupant From Columns A, B, C and D On Manufactured Home Dwelling From Columns A, B, C & D % Min Pop 4/ Income As PCT of MSA/MD NY/NASSAU COUNTY/ LOANS ORIINATED APPROVED, NOT ACCEPTED APP DENIED NY/NASSAU COUNTY/ LOANS ORIINATED APPROVED, NOT ACCEPTED APP DENIED NY/NASSAU COUNTY/ LOANS ORIINATED APPROVED, NOT ACCEPTED APP DENIED NY/NASSAU COUNTY/ LOANS ORIINATED APPROVED, NOT ACCEPTED APP DENIED NY/NASSAU COUNTY/ LOANS ORIINATED APPROVED, NOT ACCEPTED APP DENIED NY/NASSAU COUNTY/ LOANS ORIINATED APPROVED, NOT ACCEPTED APP DENIED

21 AREATE TABLE 1: DISPOSITION OF LOAN APPLICATIONS, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 2006 Page 16 of 98 Home Purchase CENSUS TRACT OR COUNTY NAME AND DISPOSITION OF APPLICATION 1/ (STATE/COUNTY/TRACT NUMBER) FHA, FSA/RHS & VA Conventional on 1-to-4 Family and Manufactured Home Dwellings on Dwellings Nonoccupant From Columns A, B, C and D On Manufactured Home Dwelling From Columns A, B, C & D % Min Pop 4/ Income As PCT of MSA/MD NY/NASSAU COUNTY/ LOANS ORIINATED APPROVED, NOT ACCEPTED APP DENIED NY/NASSAU COUNTY/ LOANS ORIINATED APPROVED, NOT ACCEPTED APP DENIED NY/NASSAU COUNTY/ LOANS ORIINATED APPROVED, NOT ACCEPTED APP DENIED NY/NASSAU COUNTY/ LOANS ORIINATED 1 11 APPROVED, NOT ACCEPTED APP DENIED NY/NASSAU COUNTY/ LOANS ORIINATED APPROVED, NOT ACCEPTED APP DENIED NY/NASSAU COUNTY/ LOANS ORIINATED APPROVED, NOT ACCEPTED APP DENIED

36 AREATE TABLE 1: DISPOSITION OF LOAN APPLICATIONS, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 2006 Page 31 of 98 Home Purchase CENSUS TRACT OR COUNTY NAME AND DISPOSITION OF APPLICATION 1/ (STATE/COUNTY/TRACT NUMBER) FHA, FSA/RHS & VA Conventional on 1-to-4 Family and Manufactured Home Dwellings on Dwellings Nonoccupant From Columns A, B, C and D NY/NASSAU COUNTY/ LOANS ORIINATED APPROVED, NOT ACCEPTED APP DENIED NY/NASSAU COUNTY/ LOANS ORIINATED APPROVED, NOT ACCEPTED APP DENIED NY/NASSAU COUNTY/ LOANS ORIINATED APPROVED, NOT ACCEPTED APP DENIED NY/NASSAU COUNTY/ LOANS ORIINATED APPROVED, NOT ACCEPTED APP DENIED NY/NASSAU COUNTY/ LOANS ORIINATED APPROVED, NOT ACCEPTED APP DENIED On Manufactured Home Dwelling From Columns A, B, C & D NY/NASSAU COUNTY/ LOANS ORIINATED APPROVED, NOT ACCEPTED APP DENIED % Min Pop 4/ Income As PCT of MSA/MD

49 AREATE TABLE 1: DISPOSITION OF LOAN APPLICATIONS, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 2006 Page 44 of 98 Home Purchase CENSUS TRACT OR COUNTY NAME AND DISPOSITION OF APPLICATION 1/ (STATE/COUNTY/TRACT NUMBER) FHA, FSA/RHS & VA Conventional on 1-to-4 Family and Manufactured Home Dwellings on Dwellings Nonoccupant From Columns A, B, C and D NY/NASSAU COUNTY/ LOANS ORIINATED APPROVED, NOT ACCEPTED APP DENIED NY/NASSAU COUNTY/ LOANS ORIINATED APPROVED, NOT ACCEPTED APP DENIED NY/NASSAU COUNTY/ LOANS ORIINATED APPROVED, NOT ACCEPTED APP DENIED NY/NASSAU COUNTY/ LOANS ORIINATED APPROVED, NOT ACCEPTED APP DENIED NY/NASSAU COUNTY/ LOANS ORIINATED APPROVED, NOT ACCEPTED APP DENIED NY/NASSAU COUNTY/ LOANS ORIINATED APPROVED, NOT ACCEPTED APP DENIED On Manufactured Home Dwelling From Columns A, B, C & D % Min Pop 4/ Income As PCT of MSA/MD

50 AREATE TABLE 1: DISPOSITION OF LOAN APPLICATIONS, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 2006 Page 45 of 98 Home Purchase CENSUS TRACT OR COUNTY NAME AND DISPOSITION OF APPLICATION 1/ (STATE/COUNTY/TRACT NUMBER) FHA, FSA/RHS & VA Conventional on 1-to-4 Family and Manufactured Home Dwellings on Dwellings Nonoccupant From Columns A, B, C and D On Manufactured Home Dwelling From Columns A, B, C & D % Min Pop 4/ Income As PCT of MSA/MD NY/NASSAU COUNTY/ LOANS ORIINATED APPROVED, NOT ACCEPTED APP DENIED NY/NASSAU COUNTY/ LOANS ORIINATED APPROVED, NOT ACCEPTED APP DENIED NY/NASSAU COUNTY/ LOANS ORIINATED APPROVED, NOT ACCEPTED APP DENIED NY/NASSAU COUNTY/ LOANS ORIINATED APPROVED, NOT ACCEPTED APP DENIED NY/NASSAU COUNTY/ LOANS ORIINATED APPROVED, NOT ACCEPTED APP DENIED NY/SUFFOLK COUNTY/ LOANS ORIINATED APPROVED, NOT ACCEPTED APP DENIED

51 AREATE TABLE 1: DISPOSITION OF LOAN APPLICATIONS, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 2006 Page 46 of 98 Home Purchase CENSUS TRACT OR COUNTY NAME AND DISPOSITION OF APPLICATION 1/ (STATE/COUNTY/TRACT NUMBER) FHA, FSA/RHS & VA Conventional on 1-to-4 Family and Manufactured Home Dwellings on Dwellings Nonoccupant From Columns A, B, C and D NY/SUFFOLK COUNTY/ LOANS ORIINATED APPROVED, NOT ACCEPTED APP DENIED NY/SUFFOLK COUNTY/ LOANS ORIINATED APPROVED, NOT ACCEPTED APP DENIED NY/SUFFOLK COUNTY/ LOANS ORIINATED APPROVED, NOT ACCEPTED APP DENIED NY/SUFFOLK COUNTY/ LOANS ORIINATED APPROVED, NOT ACCEPTED APP DENIED NY/SUFFOLK COUNTY/ LOANS ORIINATED APPROVED, NOT ACCEPTED APP DENIED NY/SUFFOLK COUNTY/ LOANS ORIINATED APPROVED, NOT ACCEPTED APP DENIED On Manufactured Home Dwelling From Columns A, B, C & D % Min Pop 4/ Income As PCT of MSA/MD

52 AREATE TABLE 1: DISPOSITION OF LOAN APPLICATIONS, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 2006 Page 47 of 98 Home Purchase CENSUS TRACT OR COUNTY NAME AND DISPOSITION OF APPLICATION 1/ (STATE/COUNTY/TRACT NUMBER) FHA, FSA/RHS & VA Conventional on 1-to-4 Family and Manufactured Home Dwellings on Dwellings Nonoccupant From Columns A, B, C and D On Manufactured Home Dwelling From Columns A, B, C & D % Min Pop 4/ Income As PCT of MSA/MD NY/SUFFOLK COUNTY/ LOANS ORIINATED APPROVED, NOT ACCEPTED APP DENIED NY/SUFFOLK COUNTY/ LOANS ORIINATED APPROVED, NOT ACCEPTED APP DENIED NY/SUFFOLK COUNTY/ LOANS ORIINATED APPROVED, NOT ACCEPTED APP DENIED NY/SUFFOLK COUNTY/ LOANS ORIINATED APPROVED, NOT ACCEPTED APP DENIED NY/SUFFOLK COUNTY/ LOANS ORIINATED APPROVED, NOT ACCEPTED APP DENIED NY/SUFFOLK COUNTY/ LOANS ORIINATED APPROVED, NOT ACCEPTED APP DENIED

102 AREATE TABLE 1: DISPOSITION OF LOAN APPLICATIONS, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 2006 Page 97 of 98 Home Purchase CENSUS TRACT OR COUNTY NAME AND DISPOSITION OF APPLICATION 1/ (STATE/COUNTY/TRACT NUMBER) FHA, FSA/RHS & VA Conventional on 1-to-4 Family and Manufactured Home Dwellings on Dwellings Nonoccupant From Columns A, B, C and D On Manufactured Home Dwelling From Columns A, B, C & D % Min Pop 4/ Income As PCT of MSA/MD NY/SUFFOLK COUNTY/ LOANS ORIINATED APPROVED, NOT ACCEPTED APP DENIED NY/SUFFOLK COUNTY/ LOANS ORIINATED APPROVED, NOT ACCEPTED APP DENIED NY/SUFFOLK COUNTY/ LOANS ORIINATED APPROVED, NOT ACCEPTED APP DENIED NY/SUFFOLK COUNTY/ LOANS ORIINATED APPROVED, NOT ACCEPTED APP DENIED NY/SUFFOLK COUNTY/ LOANS ORIINATED APPROVED, NOT ACCEPTED APP DENIED MSA/MD(TOTAL) LOANS ORIINATED APPROVED, NOT ACCEPTED APP DENIED

103 AREATE TABLE 1: DISPOSITION OF LOAN APPLICATIONS, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 2006 Page 98 of 98 Home Purchase CENSUS TRACT OR COUNTY NAME AND DISPOSITION OF APPLICATION 1/ (STATE/COUNTY/TRACT NUMBER) FHA, FSA/RHS & VA Conventional on 1-to-4 Family and Manufactured Home Dwellings on Dwellings Nonoccupant From Columns A, B, C and D On Manufactured Home Dwelling From Columns A, B, C & D % Min Pop 4/ Income As PCT of MSA/MD INVALID EORAPHIC IDENTIFIERS 2/ 0 0 LOANS ORIINATED APPROVED, NOT ACCEPTED APP DENIED

104 AREATE TABLE 2: LOANS PURCHASED, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 2006 Page 1 of 22 CENSUS TRACT OR COUNTY NAME 1/ (STATE/COUNTY/TRACT NUMBER) FHA, FSA/RHS & VA on 1-to-4 Family and Manufactured Home Dwellings Home Purchase Conventional on Dwellings Nonoccupant From Columns A, B, C & D on Manufactured Home Dwellings From Columns A,B,C & D NY/NASSAU COUNTY/ NY/NASSAU COUNTY/ NY/NASSAU COUNTY/ NY/NASSAU COUNTY/ NY/NASSAU COUNTY/ NY/NASSAU COUNTY/ NY/NASSAU COUNTY/ NY/NASSAU COUNTY/ NY/NASSAU COUNTY/ NY/NASSAU COUNTY/ NY/NASSAU COUNTY/ NY/NASSAU COUNTY/ NY/NASSAU COUNTY/ NY/NASSAU COUNTY/ NY/NASSAU COUNTY/ NY/NASSAU COUNTY/ NY/NASSAU COUNTY/ NY/NASSAU COUNTY/ NY/NASSAU COUNTY/ NY/NASSAU COUNTY/ NY/NASSAU COUNTY/ NY/NASSAU COUNTY/ NY/NASSAU COUNTY/ NY/NASSAU COUNTY/ NY/NASSAU COUNTY/ NY/NASSAU COUNTY/ NY/NASSAU COUNTY/

113 AREATE TABLE 2: LOANS PURCHASED, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 2006 Page 10 of 22 CENSUS TRACT OR COUNTY NAME 1/ (STATE/COUNTY/TRACT NUMBER) FHA, FSA/RHS & VA on 1-to-4 Family and Manufactured Home Dwellings Home Purchase Conventional on Dwellings Nonoccupant From Columns A, B, C & D on Manufactured Home Dwellings From Columns A,B,C & D NY/NASSAU COUNTY/ NY/NASSAU COUNTY/ NY/NASSAU COUNTY/ NY/NASSAU COUNTY/ NY/NASSAU COUNTY/ NY/NASSAU COUNTY/ NY/NASSAU COUNTY/ NY/NASSAU COUNTY/ NY/NASSAU COUNTY/ NY/NASSAU COUNTY/ NY/NASSAU COUNTY/ NY/NASSAU COUNTY/ NY/NASSAU COUNTY/ NY/NASSAU COUNTY/ NY/NASSAU COUNTY/ NY/NASSAU COUNTY/ NY/NASSAU COUNTY/ NY/NASSAU COUNTY/ NY/NASSAU COUNTY/ NY/NASSAU COUNTY/ NY/NASSAU COUNTY/ NY/NASSAU COUNTY/ NY/NASSAU COUNTY/ NY/NASSAU COUNTY/ NY/NASSAU COUNTY/ NY/SUFFOLK COUNTY/ NY/SUFFOLK COUNTY/

114 AREATE TABLE 2: LOANS PURCHASED, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 2006 Page 11 of 22 CENSUS TRACT OR COUNTY NAME 1/ (STATE/COUNTY/TRACT NUMBER) FHA, FSA/RHS & VA on 1-to-4 Family and Manufactured Home Dwellings Home Purchase Conventional on Dwellings Nonoccupant From Columns A, B, C & D on Manufactured Home Dwellings From Columns A,B,C & D NY/SUFFOLK COUNTY/ NY/SUFFOLK COUNTY/ NY/SUFFOLK COUNTY/ NY/SUFFOLK COUNTY/ NY/SUFFOLK COUNTY/ NY/SUFFOLK COUNTY/ NY/SUFFOLK COUNTY/ NY/SUFFOLK COUNTY/ NY/SUFFOLK COUNTY/ NY/SUFFOLK COUNTY/ NY/SUFFOLK COUNTY/ NY/SUFFOLK COUNTY/ NY/SUFFOLK COUNTY/ NY/SUFFOLK COUNTY/ NY/SUFFOLK COUNTY/ NY/SUFFOLK COUNTY/ NY/SUFFOLK COUNTY/ NY/SUFFOLK COUNTY/ NY/SUFFOLK COUNTY/ NY/SUFFOLK COUNTY/ NY/SUFFOLK COUNTY/ NY/SUFFOLK COUNTY/ NY/SUFFOLK COUNTY/ NY/SUFFOLK COUNTY/ NY/SUFFOLK COUNTY/ NY/SUFFOLK COUNTY/ NY/SUFFOLK COUNTY/

125 AREATE TABLE 2: LOANS PURCHASED, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 2006 Page 22 of 22 CENSUS TRACT OR COUNTY NAME 1/ (STATE/COUNTY/TRACT NUMBER) FHA, FSA/RHS & VA on 1-to-4 Family and Manufactured Home Dwellings Home Purchase Conventional on Dwellings Nonoccupant From Columns A, B, C & D on Manufactured Home Dwellings From Columns A,B,C & D NY/SUFFOLK COUNTY/ NY/SUFFOLK COUNTY/ NY/SUFFOLK COUNTY/ NY/SUFFOLK COUNTY/ NY/SUFFOLK COUNTY/ NY/SUFFOLK COUNTY/ NY/SUFFOLK COUNTY/ NY/SUFFOLK COUNTY/ NY/SUFFOLK COUNTY/ NY/SUFFOLK COUNTY/ NY/SUFFOLK COUNTY/ NY/SUFFOLK COUNTY/ MSA/MD (TOTAL) INVALID EORAPHIC IDENTIFIERS 2/

126 AREATE TABLE 3-1: LOANS SOLD, BY CHARACTERISTICS OF BORROWER AND OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED AND BY TYPE OF PURCHASER (INCLUDES ORIINATIONS AND PURCHASED LOANS), 2006 Page 1 of 1 BORROWER OR CENSUS TRACT CHARACTERISTICS FANNIE MAE INNIE MAE FREDDIE MAC FARMER MAC PRIVATE SECURITI- ZATION COMMERCIAL BANK, SAVINS BANK, OR SAVIN ASSOC INSURANCE CO, CREDIT UNION, MORTAE BK, OR FINANCE CO AFFILIATE OF INSTITUTION OTHER PURCHASER BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISLND WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCLUDIN HISPANIC INCOME 9/ LESS THAN 50% OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OR MORE OF MSA/MD MEDIAN INCOME NOT AVAILABLE 6/ CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10% MINORITY % MINORITY % MINORITY % MINORITY % MINORITY INCOME 12/ 13/ LOW INCOME MODERATE INCOME MIDDLE INCOME UPPER INCOME TOTAL 14/

127 AREATE TABLE 3-2: PRICIN INFORMATION FOR FIRST AND JUNIOR LIEN LOANS SOLD BY TYPE OF PURCHASER (INCLUDES ORIINATIONS ONLY), 2006 Page 1 of 2 PRICIN INFORMATION FANNIE MAE INNIE MAE FREDDIE MAC FARMER MAC PRIVATE SECURITI- ZATION COMMERCIAL BANK, SAVINS BANK, OR SAVIN ASSOC INSURANCE CO, CREDIT UNION, MORTAE BK, OR FINANCE CO AFFILIATE OF INSTITUTION OTHER PURCHASER FIRST LIEN # JUNIOR LIEN # FIRST LIEN # JUNIOR LIEN # FIRST LIEN # JUNIOR LIEN # FIRST LIEN # JUNIOR LIEN # FIRST LIEN # JUNIOR LIEN # FIRST LIEN # JUNIOR LIEN # FIRST LIEN # JUNIOR LIEN # FIRST LIEN # JUNIOR LIEN # FIRST LIEN # JUNIOR LIEN # NO REPORTED PRICIN DATA 15/ REPORTED PRICIN DATA PERCENTAE POINTS ABOVE TREASURY: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/ NA 17 NA 61 NA NA 1044 NA 358 NA 882 NA 684 NA 1232 NA NA 1 NA NA NA 704 NA 169 NA 655 NA 267 NA 590 NA OR MORE MEAN 30/ MEDIAN 31/ HOEPA LOANS 17/

128 AREATE TABLE 3-2: PRICIN INFORMATION FOR FIRST AND JUNIOR LIEN LOANS SOLD BY TYPE OF PURCHASER (INCLUDES ORIINATIONS ONLY), 2006 Page 2 of 2 PRICIN INFORMATION FANNIE MAE INNIE MAE FREDDIE MAC FARMER MAC PRIVATE SECURITI- ZATION COMMERCIAL BANK, SAVINS BANK, OR SAVIN ASSOC INSURANCE CO, CREDIT UNION, MORTAE BK, OR FINANCE CO AFFILIATE OF INSTITUTION OTHER PURCHASER FIRST LIEN $000'S JUNIOR LIEN $000'S FIRST LIEN $000'S JUNIOR LIEN $000'S FIRST LIEN $000'S JUNIOR LIEN $000'S FIRST LIEN $000'S JUNIOR LIEN $000'S FIRST LIEN $000'S JUNIOR LIEN $000'S FIRST LIEN $000'S JUNIOR LIEN $000'S FIRST LIEN $000'S JUNIOR LIEN $000'S FIRST LIEN $000'S JUNIOR LIEN $000'S FIRST LIEN $000'S JUNIOR LIEN $000'S NO REPORTED PRICIN DATA 15/ REPORTED PRICIN DATA PERCENTAE POINTS ABOVE TREASURY: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/ NA 5369 NA NA NA NA NA NA NA NA NA 315 NA NA NA NA NA NA NA NA OR MORE MEAN 30/ MEDIAN 31/ HOEPA LOANS 17/

129 AREATE TABLE 4-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINS, BY RACE, ETHNICITY, ENDER AND INCOME OF APPLICANT, 2006 Page 1 of 2 Race and ender 5/ 18/ 19/ Received 20/ Originated Apps. Approved But Not Accepted Denied Withdrawn Files Closed For Incompleteness AMERICAN INDIAN/ALASKA NATIVE (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) ASIAN (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) BLACK OR AFRICAN AMERICAN (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) NAT HAWAIIAN/OTHER PACIFIC ISL (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) WHITE (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) OR MORE MINORITY RACES (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) JOINT (WHITE/MINORITY RACE) (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) RACE NOT AVAILABLE (TOTAL) 6/ MALE FEMALE JOINT (MALE/FEMALE)

130 AREATE TABLE 4-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINS, BY RACE, ETHNICITY, ENDER AND INCOME OF APPLICANT, 2006 Page 2 of 2 Ethnicity, ender and Income 7/ 18/ 19/ Received 20/ Originated Apps. Approved But Not Accepted Denied Withdrawn Files Closed For Incompleteness HISPANIC OR LATINO (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) NOT HISPANIC OR LATINO (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) ETHNICITY NOT AVAILABLE (TOTAL) 6/ MALE FEMALE JOINT (MALE/FEMALE) MINORITY STATUS 8/ 18/ 19/ WHITE NON-HISPANIC (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) OTHERS, INCLUDIN HISPANIC (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) INCOME OF APPLICANTS 9/ LESS THAN 50% OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OR MORE OF MSA/MD MEDIAN INCOME NOT AVAILABLE 6/ TOTAL 14/

131 AREATE TABLE 4-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINS, BY RACE, ETHNICITY, ENDER AND INCOME OF APPLICANT, 2006 Page 1 of 2 Race and ender 5/ 18/ 19/ Received 20/ Originated Apps. Approved But Not Accepted Denied Withdrawn Files Closed For Incompleteness AMERICAN INDIAN/ALASKA NATIVE (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) ASIAN (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) BLACK OR AFRICAN AMERICAN (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) NAT HAWAIIAN/OTHER PACIFIC ISL (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) WHITE (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) OR MORE MINORITY RACES (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) JOINT (WHITE/MINORITY RACE) (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) RACE NOT AVAILABLE (TOTAL) 6/ MALE FEMALE JOINT (MALE/FEMALE)

132 AREATE TABLE 4-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINS, BY RACE, ETHNICITY, ENDER AND INCOME OF APPLICANT, 2006 Page 2 of 2 Ethnicity, ender and Income 7/ 18/ 19/ Received 20/ Originated Apps. Approved But Not Accepted Denied Withdrawn Files Closed For Incompleteness HISPANIC OR LATINO (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) NOT HISPANIC OR LATINO (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) ETHNICITY NOT AVAILABLE (TOTAL) 6/ MALE FEMALE JOINT (MALE/FEMALE) MINORITY STATUS 8/ 18/ 19/ WHITE NON-HISPANIC (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) OTHERS, INCLUDIN HISPANIC (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) INCOME OF APPLICANTS 9/ LESS THAN 50% OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OR MORE OF MSA/MD MEDIAN INCOME NOT AVAILABLE 6/ TOTAL 14/

133 AREATE TABLE 4-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINS, BY RACE, ETHNICITY, ENDER AND INCOME OF APPLICANT, 2006 Page 1 of 2 Race and ender 5/ 18/ 19/ Received 20/ Originated Apps. Approved But Not Accepted Denied Withdrawn Files Closed For Incompleteness AMERICAN INDIAN/ALASKA NATIVE (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) ASIAN (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) BLACK OR AFRICAN AMERICAN (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) NAT HAWAIIAN/OTHER PACIFIC ISL (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) WHITE (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) OR MORE MINORITY RACES (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) JOINT (WHITE/MINORITY RACE) (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) RACE NOT AVAILABLE (TOTAL) 6/ MALE FEMALE JOINT (MALE/FEMALE)

134 AREATE TABLE 4-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINS, BY RACE, ETHNICITY, ENDER AND INCOME OF APPLICANT, 2006 Page 2 of 2 Ethnicity, ender and Income 7/ 18/ 19/ Received 20/ Originated Apps. Approved But Not Accepted Denied Withdrawn Files Closed For Incompleteness HISPANIC OR LATINO (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) NOT HISPANIC OR LATINO (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) ETHNICITY NOT AVAILABLE (TOTAL) 6/ MALE FEMALE JOINT (MALE/FEMALE) MINORITY STATUS 8/ 18/ 19/ WHITE NON-HISPANIC (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) OTHERS, INCLUDIN HISPANIC (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) INCOME OF APPLICANTS 9/ LESS THAN 50% OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OR MORE OF MSA/MD MEDIAN INCOME NOT AVAILABLE 6/ TOTAL 14/

135 AREATE TABLE 4-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINS, BY RACE, ETHNICITY, ENDER AND INCOME OF APPLICANT, 2006 Page 1 of 2 Race and ender 5/ 18/ 19/ Received 20/ Originated Apps. Approved But Not Accepted Denied Withdrawn Files Closed For Incompleteness AMERICAN INDIAN/ALASKA NATIVE (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) ASIAN (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) BLACK OR AFRICAN AMERICAN (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) NAT HAWAIIAN/OTHER PACIFIC ISL (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) WHITE (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) OR MORE MINORITY RACES (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) JOINT (WHITE/MINORITY RACE) (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) RACE NOT AVAILABLE (TOTAL) 6/ MALE FEMALE JOINT (MALE/FEMALE)

136 AREATE TABLE 4-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINS, BY RACE, ETHNICITY, ENDER AND INCOME OF APPLICANT, 2006 Page 2 of 2 Ethnicity, ender and Income 7/ 18/ 19/ Received 20/ Originated Apps. Approved But Not Accepted Denied Withdrawn Files Closed For Incompleteness HISPANIC OR LATINO (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) NOT HISPANIC OR LATINO (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) ETHNICITY NOT AVAILABLE (TOTAL) 6/ MALE FEMALE JOINT (MALE/FEMALE) MINORITY STATUS 8/ 18/ 19/ WHITE NON-HISPANIC (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) OTHERS, INCLUDIN HISPANIC (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) INCOME OF APPLICANTS 9/ LESS THAN 50% OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OR MORE OF MSA/MD MEDIAN INCOME NOT AVAILABLE 6/ TOTAL 14/

137 AREATE TABLE 4-5: DISPOSITION OF APPLICATIONS FOR LOANS ON DWELLINS FOR 5 OR MORE FAMILIES, BY RACE, ETHNICITY, ENDER AND INCOME OF APPLICANT, 2006 Page 1 of 2 Race and ender 5/ 18/ 19/ Received 20/ Originated Apps. Approved But Not Accepted Denied Withdrawn Files Closed For Incompleteness AMERICAN INDIAN/ALASKA NATIVE (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) ASIAN (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) BLACK OR AFRICAN AMERICAN (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) NAT HAWAIIAN/OTHER PACIFIC ISL (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) WHITE (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) OR MORE MINORITY RACES (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) JOINT (WHITE/MINORITY RACE) (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) RACE NOT AVAILABLE (TOTAL) 6/ MALE FEMALE JOINT (MALE/FEMALE)

138 AREATE TABLE 4-5: DISPOSITION OF APPLICATIONS FOR LOANS ON DWELLINS FOR 5 OR MORE FAMILIES, BY RACE, ETHNICITY, ENDER AND INCOME OF APPLICANT, 2006 Page 2 of 2 Ethnicity, ender and Income 7/ 18/ 19/ Received 20/ Originated Apps. Approved But Not Accepted Denied Withdrawn Files Closed For Incompleteness HISPANIC OR LATINO (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) NOT HISPANIC OR LATINO (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) ETHNICITY NOT AVAILABLE (TOTAL) 6/ MALE FEMALE JOINT (MALE/FEMALE) MINORITY STATUS 8/ 18/ 19/ WHITE NON-HISPANIC (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) OTHERS, INCLUDIN HISPANIC (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) INCOME OF APPLICANTS 9/ LESS THAN 50% OF MSA/MD MEDIAN 50-79% OF MSA/MD MEDIAN 80-99% OF MSA/MD MEDIAN % OF MSA/MD MEDIAN 120% OR MORE OF MSA/MD MEDIAN INCOME NOT AVAILABLE 6/ TOTAL 14/

139 AREATE TABLE 4-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCIN LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINS, BY RACE, ETHNICITY, ENDER AND INCOME OF APPLICANT, 2006 Page 1 of 2 Race and ender 5/ 18/ 19/ Received 20/ Originated Apps. Approved But Not Accepted Denied Withdrawn Files Closed For Incompleteness AMERICAN INDIAN/ALASKA NATIVE (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) ASIAN (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) BLACK OR AFRICAN AMERICAN (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) NAT HAWAIIAN/OTHER PACIFIC ISL (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) WHITE (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) OR MORE MINORITY RACES (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) JOINT (WHITE/MINORITY RACE) (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) RACE NOT AVAILABLE (TOTAL) 6/ MALE FEMALE JOINT (MALE/FEMALE)

140 AREATE TABLE 4-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCIN LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINS, BY RACE, ETHNICITY, ENDER AND INCOME OF APPLICANT, 2006 Page 2 of 2 Ethnicity, ender and Income 7/ 18/ 19/ Received 20/ Originated Apps. Approved But Not Accepted Denied Withdrawn Files Closed For Incompleteness HISPANIC OR LATINO (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) NOT HISPANIC OR LATINO (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) ETHNICITY NOT AVAILABLE (TOTAL) 6/ MALE FEMALE JOINT (MALE/FEMALE) MINORITY STATUS 8/ 18/ 19/ WHITE NON-HISPANIC (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) OTHERS, INCLUDIN HISPANIC (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) INCOME OF APPLICANTS 9/ LESS THAN 50% OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OR MORE OF MSA/MD MEDIAN INCOME NOT AVAILABLE 6/ TOTAL 14/

141 AREATE TABLE 4-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCIN LOANS, MANUFACTURED HOME DWELLINS, BY RACE, ETHNICITY, ENDER AND INCOME OF APPLICANT, 2006 Page 1 of 2 Race and ender 5/ 18/ 19/ Received 20/ Originated Apps. Approved But Not Accepted Denied Withdrawn Files Closed For Incompleteness AMERICAN INDIAN/ALASKA NATIVE (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) ASIAN (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) BLACK OR AFRICAN AMERICAN (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) NAT HAWAIIAN/OTHER PACIFIC ISL (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) WHITE (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) OR MORE MINORITY RACES (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) JOINT (WHITE/MINORITY RACE) (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) RACE NOT AVAILABLE (TOTAL) 6/ MALE FEMALE JOINT (MALE/FEMALE)

142 AREATE TABLE 4-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCIN LOANS, MANUFACTURED HOME DWELLINS, BY RACE, ETHNICITY, ENDER AND INCOME OF APPLICANT, 2006 Page 2 of 2 Ethnicity, ender and Income 7/ 18/ 19/ Received 20/ Originated Apps. Approved But Not Accepted Denied Withdrawn Files Closed For Incompleteness HISPANIC OR LATINO (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) NOT HISPANIC OR LATINO (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) ETHNICITY NOT AVAILABLE (TOTAL) 6/ MALE FEMALE JOINT (MALE/FEMALE) MINORITY STATUS 8/ 18/ 19/ WHITE NON-HISPANIC (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) OTHERS, INCLUDIN HISPANIC (TOTAL) MALE FEMALE JOINT (MALE/FEMALE) INCOME OF APPLICANTS 9/ LESS THAN 50% OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OR MORE OF MSA/MD MEDIAN INCOME NOT AVAILABLE 6/ TOTAL 14/

143 AREATE TABLE 5-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2006 Page 1 of 3 Income, Race and Ethnicity Received 20/ Originated Apps. Approved But Not Accepted Denied Withdrawn Files Closed For Incompleteness LESS THAN 50% OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCLUDIN HISPANIC % OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCLUDIN HISPANIC

144 AREATE TABLE 5-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2006 Page 2 of 3 Income, Race and Ethnicity Continued Received 20/ Originated Apps. Approved But Not Accepted Denied Withdrawn Files Closed For Incompleteness 80-99% OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCLUDIN HISPANIC % OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCLUDIN HISPANIC

145 AREATE TABLE 5-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2006 Page 3 of 3 Income, Race and Ethnicity Continued Received 20/ Originated Apps. Approved But Not Accepted Denied Withdrawn Files Closed For Incompleteness 120% OR MORE OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCLUDIN HISPANIC TOTAL 14/

146 AREATE TABLE 5-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2006 Page 1 of 3 Income, Race and Ethnicity Received 20/ Originated Apps. Approved But Not Accepted Denied Withdrawn Files Closed For Incompleteness LESS THAN 50% OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCLUDIN HISPANIC % OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCLUDIN HISPANIC

147 AREATE TABLE 5-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2006 Page 2 of 3 Income, Race and Ethnicity Continued Received 20/ Originated Apps. Approved But Not Accepted Denied Withdrawn Files Closed For Incompleteness 80-99% OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCLUDIN HISPANIC % OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCLUDIN HISPANIC

148 AREATE TABLE 5-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2006 Page 3 of 3 Income, Race and Ethnicity Continued Received 20/ Originated Apps. Approved But Not Accepted Denied Withdrawn Files Closed For Incompleteness 120% OR MORE OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCLUDIN HISPANIC TOTAL 14/

149 AREATE TABLE 5-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2006 Page 1 of 3 Income, Race and Ethnicity Received 20/ Originated Apps. Approved But Not Accepted Denied Withdrawn Files Closed For Incompleteness LESS THAN 50% OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCLUDIN HISPANIC % OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCLUDIN HISPANIC

150 AREATE TABLE 5-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2006 Page 2 of 3 Income, Race and Ethnicity Continued Received 20/ Originated Apps. Approved But Not Accepted Denied Withdrawn Files Closed For Incompleteness 80-99% OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCLUDIN HISPANIC % OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCLUDIN HISPANIC

151 AREATE TABLE 5-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2006 Page 3 of 3 Income, Race and Ethnicity Continued Received 20/ Originated Apps. Approved But Not Accepted Denied Withdrawn Files Closed For Incompleteness 120% OR MORE OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCLUDIN HISPANIC TOTAL 14/

152 AREATE TABLE 5-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2006 Page 1 of 3 Income, Race and Ethnicity Received 20/ Originated Apps. Approved But Not Accepted Denied Withdrawn Files Closed For Incompleteness LESS THAN 50% OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCLUDIN HISPANIC % OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCLUDIN HISPANIC

153 AREATE TABLE 5-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2006 Page 2 of 3 Income, Race and Ethnicity Continued Received 20/ Originated Apps. Approved But Not Accepted Denied Withdrawn Files Closed For Incompleteness 80-99% OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCLUDIN HISPANIC % OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCLUDIN HISPANIC

154 AREATE TABLE 5-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2006 Page 3 of 3 Income, Race and Ethnicity Continued Received 20/ Originated Apps. Approved But Not Accepted Denied Withdrawn Files Closed For Incompleteness 120% OR MORE OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCLUDIN HISPANIC TOTAL 14/

155 AREATE TABLE 5-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCIN LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2006 Page 1 of 3 Income, Race and Ethnicity Received 20/ Originated Apps. Approved But Not Accepted Denied Withdrawn Files Closed For Incompleteness LESS THAN 50% OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCLUDIN HISPANIC % OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCLUDIN HISPANIC

156 AREATE TABLE 5-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCIN LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2006 Page 2 of 3 Income, Race and Ethnicity Continued Received 20/ Originated Apps. Approved But Not Accepted Denied Withdrawn Files Closed For Incompleteness 80-99% OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCLUDIN HISPANIC % OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCLUDIN HISPANIC

157 AREATE TABLE 5-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCIN LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2006 Page 3 of 3 Income, Race and Ethnicity Continued Received 20/ Originated Apps. Approved But Not Accepted Denied Withdrawn Files Closed For Incompleteness 120% OR MORE OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCLUDIN HISPANIC TOTAL 14/

158 AREATE TABLE 5-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCIN LOANS, MANUFACTURED HOME DWELLINS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2006 Page 1 of 3 Income, Race and Ethnicity Received 20/ Originated Apps. Approved But Not Accepted Denied Withdrawn Files Closed For Incompleteness LESS THAN 50% OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCLUDIN HISPANIC % OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCLUDIN HISPANIC

159 AREATE TABLE 5-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCIN LOANS, MANUFACTURED HOME DWELLINS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2006 Page 2 of 3 Income, Race and Ethnicity Continued Received 20/ Originated Apps. Approved But Not Accepted Denied Withdrawn Files Closed For Incompleteness 80-99% OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCLUDIN HISPANIC % OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCLUDIN HISPANIC

160 AREATE TABLE 5-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCIN LOANS, MANUFACTURED HOME DWELLINS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2006 Page 3 of 3 Income, Race and Ethnicity Continued Received 20/ Originated Apps. Approved But Not Accepted Denied Withdrawn Files Closed For Incompleteness 120% OR MORE OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCLUDIN HISPANIC TOTAL 14/

161 AREATE TABLE 7-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2006 Page 1 of 1 Type of Census Tract 10/ Received 20/ Originated Apps. Approved But Not Accepted Denied Withdrawn Files Closed For Incompleteness RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10% MINORITY % MINORITY % MINORITY % MINORITY % MINORITY INCOME CHARACTERISTICS 12/ 13/ LOW INCOME MODERATE INCOME MIDDLE INCOME UPPER INCOME INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/ LOW INCOME LESS THAN 10% MINORITY 10-19% MINORITY 20-49% MINORITY 50-79% MINORITY % MINORITY MODERATE INCOME LESS THAN 10% MINORITY % MINORITY % MINORITY % MINORITY % MINORITY MIDDLE INCOME LESS THAN 10% MINORITY % MINORITY % MINORITY % MINORITY % MINORITY UPPER INCOME LESS THAN 10% MINORITY % MINORITY % MINORITY 50-79% MINORITY % MINORITY SMALL COUNTY ALL OTHER TRACTS 21/ TOTAL 14/

162 AREATE TABLE 7-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2006 Page 1 of 1 Type of Census Tract 10/ Received 20/ Originated Apps. Approved But Not Accepted Denied Withdrawn Files Closed For Incompleteness RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10% MINORITY % MINORITY % MINORITY % MINORITY % MINORITY INCOME CHARACTERISTICS 12/ 13/ LOW INCOME MODERATE INCOME MIDDLE INCOME UPPER INCOME INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/ LOW INCOME LESS THAN 10% MINORITY 10-19% MINORITY 20-49% MINORITY % MINORITY % MINORITY MODERATE INCOME LESS THAN 10% MINORITY % MINORITY % MINORITY % MINORITY % MINORITY MIDDLE INCOME LESS THAN 10% MINORITY % MINORITY % MINORITY % MINORITY % MINORITY UPPER INCOME LESS THAN 10% MINORITY % MINORITY % MINORITY % MINORITY % MINORITY SMALL COUNTY ALL OTHER TRACTS 21/ TOTAL 14/

163 AREATE TABLE 7-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2006 Page 1 of 1 Type of Census Tract 10/ Received 20/ Originated Apps. Approved But Not Accepted Denied Withdrawn Files Closed For Incompleteness RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10% MINORITY % MINORITY % MINORITY % MINORITY % MINORITY INCOME CHARACTERISTICS 12/ 13/ LOW INCOME MODERATE INCOME MIDDLE INCOME UPPER INCOME INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/ LOW INCOME LESS THAN 10% MINORITY 10-19% MINORITY 20-49% MINORITY % MINORITY % MINORITY MODERATE INCOME LESS THAN 10% MINORITY % MINORITY % MINORITY % MINORITY % MINORITY MIDDLE INCOME LESS THAN 10% MINORITY % MINORITY % MINORITY % MINORITY % MINORITY UPPER INCOME LESS THAN 10% MINORITY % MINORITY % MINORITY % MINORITY % MINORITY SMALL COUNTY ALL OTHER TRACTS 21/ TOTAL 14/

164 AREATE TABLE 7-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2006 Page 1 of 1 Type of Census Tract 10/ Received 20/ Originated Apps. Approved But Not Accepted Denied Withdrawn Files Closed For Incompleteness RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10% MINORITY % MINORITY % MINORITY % MINORITY % MINORITY INCOME CHARACTERISTICS 12/ 13/ LOW INCOME MODERATE INCOME MIDDLE INCOME UPPER INCOME INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/ LOW INCOME LESS THAN 10% MINORITY 10-19% MINORITY 20-49% MINORITY % MINORITY % MINORITY MODERATE INCOME LESS THAN 10% MINORITY % MINORITY % MINORITY % MINORITY % MINORITY MIDDLE INCOME LESS THAN 10% MINORITY % MINORITY % MINORITY % MINORITY % MINORITY UPPER INCOME LESS THAN 10% MINORITY % MINORITY % MINORITY % MINORITY % MINORITY SMALL COUNTY ALL OTHER TRACTS 21/ TOTAL 14/

165 AREATE TABLE 7-5: DISPOSITION OF APPLICATIONS FOR LOANS ON DWELLINS FOR 5 OR MORE FAMILIES, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2006 Page 1 of 1 Type of Census Tract 10/ Received 20/ Originated Apps. Approved But Not Accepted Denied Withdrawn Files Closed For Incompleteness RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10% MINORITY % MINORITY % MINORITY % MINORITY % MINORITY INCOME CHARACTERISTICS 12/ 13/ LOW INCOME MODERATE INCOME MIDDLE INCOME UPPER INCOME INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/ LOW INCOME LESS THAN 10% MINORITY 10-19% MINORITY 20-49% MINORITY % MINORITY % MINORITY MODERATE INCOME LESS THAN 10% MINORITY % MINORITY % MINORITY % MINORITY % MINORITY MIDDLE INCOME LESS THAN 10% MINORITY % MINORITY % MINORITY % MINORITY % MINORITY UPPER INCOME LESS THAN 10% MINORITY % MINORITY % MINORITY 50-79% MINORITY % MINORITY SMALL COUNTY ALL OTHER TRACTS 21/ TOTAL 14/

166 AREATE TABLE 7-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCIN LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2006 Page 1 of 1 Type of Census Tract 10/ Received 20/ Originated Apps. Approved But Not Accepted Denied Withdrawn Files Closed For Incompleteness RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10% MINORITY % MINORITY % MINORITY % MINORITY % MINORITY INCOME CHARACTERISTICS 12/ 13/ LOW INCOME MODERATE INCOME MIDDLE INCOME UPPER INCOME INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/ LOW INCOME LESS THAN 10% MINORITY 10-19% MINORITY 20-49% MINORITY % MINORITY % MINORITY MODERATE INCOME LESS THAN 10% MINORITY % MINORITY % MINORITY % MINORITY % MINORITY MIDDLE INCOME LESS THAN 10% MINORITY % MINORITY % MINORITY % MINORITY % MINORITY UPPER INCOME LESS THAN 10% MINORITY % MINORITY % MINORITY % MINORITY % MINORITY SMALL COUNTY ALL OTHER TRACTS 21/ TOTAL 14/

167 AREATE TABLE 7-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCIN LOANS, MANUFACTURED HOME DWELLINS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2006 Page 1 of 1 Type of Census Tract 10/ Received 20/ Originated Apps. Approved But Not Accepted Denied Withdrawn Files Closed For Incompleteness RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10% MINORITY % MINORITY % MINORITY % MINORITY % MINORITY INCOME CHARACTERISTICS 12/ 13/ LOW INCOME MODERATE INCOME MIDDLE INCOME UPPER INCOME INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/ LOW INCOME LESS THAN 10% MINORITY 10-19% MINORITY 20-49% MINORITY 50-79% MINORITY % MINORITY MODERATE INCOME LESS THAN 10% MINORITY 10-19% MINORITY % MINORITY % MINORITY % MINORITY MIDDLE INCOME LESS THAN 10% MINORITY % MINORITY % MINORITY % MINORITY % MINORITY UPPER INCOME LESS THAN 10% MINORITY % MINORITY % MINORITY 50-79% MINORITY % MINORITY SMALL COUNTY ALL OTHER TRACTS 21/ TOTAL 14/

168 AREATE TABLE 8-1: REASONS FOR DENIAL OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINS, BY RACE, ETHNICITY, ENDER AND INCOME OF APPLICANT, 2006 Page 1 of 1 Applicant Characteristics Debt-to- Income Ratio Employment History Credit History Collateral Insufficient Cash Unverifiable Information Credit App. Incomplete Mortgage Insurance Denied Other Total /22 % % % % % % % % % % RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCL. HISPANIC ENDER 19/ MALE FEMALE JOINT (MALE/FEMALE) ENDER NOT AVAILABLE 6/ INCOME 9/ LESS THAN 50% OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OR MORE OF MSA/MD MEDIAN INCOME NOT AVAILABLE 6/

169 AREATE TABLE 8-2: REASONS FOR DENIAL OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINS, BY RACE, ETHNICITY, ENDER AND INCOME OF APPLICANT, 2006 Page 1 of 1 Applicant Characteristics Debt-to- Income Ratio Employment History Credit History Collateral Insufficient Cash Unverifiable Information Credit App. Incomplete Mortgage Insurance Denied Other Total /22 % % % % % % % % % % RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCL. HISPANIC ENDER 19/ MALE FEMALE JOINT (MALE/FEMALE) ENDER NOT AVAILABLE 6/ INCOME 9/ LESS THAN 50% OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OR MORE OF MSA/MD MEDIAN INCOME NOT AVAILABLE 6/

170 AREATE TABLE 8-3: REASONS FOR DENIAL OF APPLICATIONS TO REFINANCE LOANS ON 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINS, BY RACE, ETHNICITY, ENDER AND INCOME OF APPLICANT, 2006 Page 1 of 1 Applicant Characteristics Debt-to- Income Ratio Employment History Credit History Collateral Insufficient Cash Unverifiable Information Credit App. Incomplete Mortgage Insurance Denied Other Total /22 % % % % % % % % % % RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCL. HISPANIC ENDER 19/ MALE FEMALE JOINT (MALE/FEMALE) ENDER NOT AVAILABLE 6/ INCOME 9/ LESS THAN 50% OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OR MORE OF MSA/MD MEDIAN INCOME NOT AVAILABLE 6/

171 AREATE TABLE 8-4: REASONS FOR DENIAL OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINS, BY RACE, ETHNICITY, ENDER AND INCOME OF APPLICANT, 2006 Page 1 of 1 Applicant Characteristics Debt-to- Income Ratio Employment History Credit History Collateral Insufficient Cash Unverifiable Information Credit App. Incomplete Mortgage Insurance Denied Other Total /22 % % % % % % % % % % RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCL. HISPANIC ENDER 19/ MALE FEMALE JOINT (MALE/FEMALE) ENDER NOT AVAILABLE 6/ INCOME 9/ LESS THAN 50% OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OR MORE OF MSA/MD MEDIAN INCOME NOT AVAILABLE 6/

172 AREATE TABLE 8-5: REASONS FOR DENIAL OF APPLICATIONS FOR LOANS ON DWELLINS FOR 5 OR MORE FAMILIES, BY RACE, ETHNICITY, ENDER AND INCOME OF APPLICANT, 2006 Page 1 of 1 Applicant Characteristics Debt-to- Income Ratio Employment History Credit History Collateral Insufficient Cash Unverifiable Information Credit App. Incomplete Mortgage Insurance Denied Other Total /22 % % % % % % % % % % RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCL. HISPANIC ENDER 19/ MALE FEMALE JOINT (MALE/FEMALE) ENDER NOT AVAILABLE 6/ INCOME 9/ LESS THAN 50% OF MSA/MD MEDIAN 50-79% OF MSA/MD MEDIAN 80-99% OF MSA/MD MEDIAN % OF MSA/MD MEDIAN 120% OR MORE OF MSA/MD MEDIAN INCOME NOT AVAILABLE 6/

173 AREATE TABLE 8-6: REASONS FOR DENIAL OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCIN LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINS, BY RACE, ETHNICITY, ENDER AND INCOME OF APPLICANT, 2006 Page 1 of 1 Applicant Characteristics Debt-to- Income Ratio Employment History Credit History Collateral Insufficient Cash Unverifiable Information Credit App. Incomplete Mortgage Insurance Denied Other Total /22 % % % % % % % % % % RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCL. HISPANIC ENDER 19/ MALE FEMALE JOINT (MALE/FEMALE) ENDER NOT AVAILABLE 6/ INCOME 9/ LESS THAN 50% OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OR MORE OF MSA/MD MEDIAN INCOME NOT AVAILABLE 6/

174 AREATE TABLE 8-7: REASONS FOR DENIAL OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCIN LOANS, MANUFACTURED HOME DWELLINS, BY RACE, ETHNICITY, ENDER AND INCOME OF APPLICANT, 2006 Page 1 of 1 Applicant Characteristics Debt-to- Income Ratio Employment History Credit History Collateral Insufficient Cash Unverifiable Information Credit App. Incomplete Mortgage Insurance Denied Other Total /22 % % % % % % % % % % RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCL. HISPANIC ENDER 19/ MALE FEMALE JOINT (MALE/FEMALE) ENDER NOT AVAILABLE 6/ INCOME 9/ LESS THAN 50% OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OR MORE OF MSA/MD MEDIAN INCOME NOT AVAILABLE 6/

175 AREATE TABLE 9: DISPOSITION OF LOAN APPLICATIONS, BY MEDIAN AE OF HOMES IN CENSUS TRACT IN WHICH PROPERTY IS LOCATED AND TYPE OF LOAN, 2006 Page 1 of 1 Census Tracts by Age of Homes 23/ on 1-to-4 Family and Manufactured Home Dwellings Home Purchase on Dwellings Nonoccupant From Columns FHA, FSA/RHS & VA Conventional A, B, C & D On Manufactured Home Dwellings From Columns A,B,C & D 1990-MARCH 2000 LOANS ORIINATED APPLICAT'N APPROVED, NOT ACCEPTED APPLICATIONS DENIED APPLICATIONS WITHDRAWN LOANS ORIINATED APPLICAT'N APPROVED, NOT ACCEPTED APPLICATIONS DENIED APPLICATIONS WITHDRAWN LOANS ORIINATED APPLICAT'N APPROVED, NOT ACCEPTED APPLICATIONS DENIED APPLICATIONS WITHDRAWN LOANS ORIINATED APPLICAT'N APPROVED, NOT ACCEPTED APPLICATIONS DENIED APPLICATIONS WITHDRAWN OR EARLIER LOANS ORIINATED APPLICAT'N APPROVED, NOT ACCEPTED APPLICATIONS DENIED APPLICATIONS WITHDRAWN

176 AREATE TABLE 10: DISPOSITION OF LOAN APPLICATIONS, BY PRINCIPAL CITY VERSUS NON-PRINCIPAL CITY PROPERTY LOCATION AND TYPE OF LOAN, 2006 Page 1 of 1 on 1-to-4 Family and Manufactured Home Dwellings Home Purchase on Dwellings Nonoccupant From Columns Location Category FHA, FSA/RHS & VA Conventional A, B, C & D On Manufactured Home Dwellings From Columns A,B,C & D PRINCIPAL CITY 24/ LOANS ORIINATED APPLICAT'N APPROVED, NOT ACCEPTED APPLICATIONS DENIED APPLICATIONS WITHDRAWN MSA/MD LESS PRINCIPAL CITY 25/ LOANS ORIINATED APPLICAT'N APPROVED, NOT ACCEPTED APPLICATIONS DENIED APPLICATIONS WITHDRAWN

177 AREATE TABLE 11-1: PRICIN INFORMATION FOR FHA HOME-PURCHASE LOANS, FIRST LIEN, 1 TO 4-FAMILY OWNER-OCCUPIED DWELLIN (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2006 Page 1 of 2 BORROWER OR CENSUS TRACT CHARACTERISTICS 15/ NO REPORTED PRICIN DATA REPORTED PRICIN DATA # # # # # # PERCENTAE POINTS ABOVE TREASURY: ONLY INCL. LOANS WITH APR ABOVE THE THRESHOLD 16/ # 8 OR MORE # MEAN 30/ MEDIAN 31/ BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN 2 BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL 2 WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) 4 RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCLUDIN HISPANIC INCOME 9/ LESS THAN 50% OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OR MORE OF MSA/MD MEDIAN INCOME NOT AVAILABLE 6/ 3 ENDER 19/ MALE FEMALE JOINT (MALE/FEMALE) ENDER NOT AVAILABLE 6/ 3 CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10% MINORITY % MINORITY % MINORITY % MINORITY % MINORITY INCOME CHARACTERISTICS 12/ 13/ LOW INCOME 8 MODERATE INCOME MIDDLE INCOME UPPER INCOME 2

178 AREATE TABLE 11-1: PRICIN INFORMATION FOR FHA HOME-PURCHASE LOANS, FIRST LIEN, 1 TO 4-FAMILY OWNER-OCCUPIED DWELLIN (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2006 Page 2 of 2 BORROWER OR CENSUS TRACT CHARACTERISTICS 15/ NO REPORTED PRICIN DATA REPORTED PRICIN DATA $000'S $000'S $000'S $000'S $000'S $000'S PERCENTAE POINTS ABOVE TREASURY: ONLY INCL. LOANS WITH APR ABOVE THE THRESHOLD 16/ $000'S 8 OR MORE $000'S MEAN 30/ MEDIAN 31/ BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN 702 BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL 724 WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) 1214 RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCLUDIN HISPANIC INCOME 9/ LESS THAN 50% OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OR MORE OF MSA/MD MEDIAN INCOME NOT AVAILABLE 6/ 1039 ENDER 19/ MALE FEMALE JOINT (MALE/FEMALE) ENDER NOT AVAILABLE 6/ 1143 CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10% MINORITY % MINORITY % MINORITY % MINORITY % MINORITY INCOME CHARACTERISTICS 12/ 13/ LOW INCOME 2249 MODERATE INCOME MIDDLE INCOME UPPER INCOME 677

179 AREATE TABLE 11-2: PRICIN INFORMATION FOR VA HOME-PURCHASE LOANS, FIRST LIEN, 1 TO 4-FAMILY OWNER-OCCUPIED DWELLIN (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2006 Page 1 of 2 BORROWER OR CENSUS TRACT CHARACTERISTICS 15/ NO REPORTED PRICIN DATA REPORTED PRICIN DATA # # # # # # PERCENTAE POINTS ABOVE TREASURY: ONLY INCL. LOANS WITH APR ABOVE THE THRESHOLD 16/ # 8 OR MORE # MEAN 30/ MEDIAN 31/ BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN 4 NAT HAWAIIAN/OTHER PACIFIC ISL WHITE 21 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) 1 RACE NOT AVAILABLE 6/ 6 ETHNICITY 7/ HISPANIC OR LATINO 5 NOT HISPANIC OR LATINO 20 JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 6 MINORITY STATUS 8/ WHITE NON-HISPANIC 15 OTHERS, INCLUDIN HISPANIC 10 INCOME 9/ LESS THAN 50% OF MSA/MD MEDIAN 50-79% OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN 7 120% OR MORE OF MSA/MD MEDIAN 10 INCOME NOT AVAILABLE 6/ ENDER 19/ MALE 10 FEMALE JOINT (MALE/FEMALE) 20 ENDER NOT AVAILABLE 6/ 2 CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10% MINORITY % MINORITY % MINORITY % MINORITY % MINORITY 1 INCOME CHARACTERISTICS 12/ 13/ LOW INCOME MODERATE INCOME 16 MIDDLE INCOME 16 UPPER INCOME 1

180 AREATE TABLE 11-2: PRICIN INFORMATION FOR VA HOME-PURCHASE LOANS, FIRST LIEN, 1 TO 4-FAMILY OWNER-OCCUPIED DWELLIN (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2006 Page 2 of 2 BORROWER OR CENSUS TRACT CHARACTERISTICS 15/ NO REPORTED PRICIN DATA REPORTED PRICIN DATA $000'S $000'S $000'S $000'S $000'S $000'S PERCENTAE POINTS ABOVE TREASURY: ONLY INCL. LOANS WITH APR ABOVE THE THRESHOLD 16/ $000'S 8 OR MORE $000'S MEAN 30/ MEDIAN 31/ BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN 1455 NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) 343 RACE NOT AVAILABLE 6/ 2079 ETHNICITY 7/ HISPANIC OR LATINO 1572 NOT HISPANIC OR LATINO 6400 JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) 343 ETHNICITY NOT AVAILABLE 6/ 1999 MINORITY STATUS 8/ WHITE NON-HISPANIC 4575 OTHERS, INCLUDIN HISPANIC 3370 INCOME 9/ LESS THAN 50% OF MSA/MD MEDIAN 50-79% OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OR MORE OF MSA/MD MEDIAN 3537 INCOME NOT AVAILABLE 6/ ENDER 19/ MALE 2852 FEMALE JOINT (MALE/FEMALE) 6775 ENDER NOT AVAILABLE 6/ 687 CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10% MINORITY % MINORITY % MINORITY % MINORITY % MINORITY 337 INCOME CHARACTERISTICS 12/ 13/ LOW INCOME MODERATE INCOME 4785 MIDDLE INCOME 5529 UPPER INCOME

181 AREATE TABLE 11-3: PRICIN INFORMATION FOR CONVENTIONAL HOME-PURCHASE LOANS, FIRST LIEN, 1 TO 4-FAMILY OWNER-OCCUPIED DWELLIN (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2006 Page 1 of 2 BORROWER OR CENSUS TRACT CHARACTERISTICS 15/ NO REPORTED PRICIN DATA REPORTED PRICIN DATA # # # # # # PERCENTAE POINTS ABOVE TREASURY: ONLY INCL. LOANS WITH APR ABOVE THE THRESHOLD 16/ # 8 OR MORE # MEAN 30/ MEDIAN 31/ BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCLUDIN HISPANIC INCOME 9/ LESS THAN 50% OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OR MORE OF MSA/MD MEDIAN INCOME NOT AVAILABLE 6/ ENDER 19/ MALE FEMALE JOINT (MALE/FEMALE) ENDER NOT AVAILABLE 6/ CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10% MINORITY % MINORITY % MINORITY % MINORITY % MINORITY INCOME CHARACTERISTICS 12/ 13/ LOW INCOME MODERATE INCOME MIDDLE INCOME UPPER INCOME

182 AREATE TABLE 11-3: PRICIN INFORMATION FOR CONVENTIONAL HOME-PURCHASE LOANS, FIRST LIEN, 1 TO 4-FAMILY OWNER-OCCUPIED DWELLIN (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2006 Page 2 of 2 BORROWER OR CENSUS TRACT CHARACTERISTICS 15/ NO REPORTED PRICIN DATA REPORTED PRICIN DATA $000'S $000'S $000'S $000'S $000'S $000'S PERCENTAE POINTS ABOVE TREASURY: ONLY INCL. LOANS WITH APR ABOVE THE THRESHOLD 16/ $000'S 8 OR MORE $000'S MEAN 30/ MEDIAN 31/ BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCLUDIN HISPANIC INCOME 9/ LESS THAN 50% OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OR MORE OF MSA/MD MEDIAN INCOME NOT AVAILABLE 6/ ENDER 19/ MALE FEMALE JOINT (MALE/FEMALE) ENDER NOT AVAILABLE 6/ CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10% MINORITY % MINORITY % MINORITY % MINORITY % MINORITY INCOME CHARACTERISTICS 12/ 13/ LOW INCOME MODERATE INCOME MIDDLE INCOME UPPER INCOME

183 AREATE TABLE 11-4: PRICIN INFORMATION FOR CONVENTIONAL HOME-PURCHASE LOANS, JUNIOR LIEN, 1 TO 4-FAMILY OWNER-OCCUPIED DWELLIN (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2006 Page 1 of 2 BORROWER OR CENSUS TRACT CHARACTERISTICS 15/ NO REPORTED PRICIN DATA REPORTED PRICIN DATA # # # # # # PERCENTAE POINTS ABOVE TREASURY: ONLY INCL. LOANS WITH APR ABOVE THE THRESHOLD 16/ # 10 OR MORE # MEAN 30/ MEDIAN 31/ BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCLUDIN HISPANIC INCOME 9/ LESS THAN 50% OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OR MORE OF MSA/MD MEDIAN INCOME NOT AVAILABLE 6/ ENDER 19/ MALE FEMALE JOINT (MALE/FEMALE) ENDER NOT AVAILABLE 6/ CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10% MINORITY % MINORITY % MINORITY % MINORITY % MINORITY INCOME CHARACTERISTICS 12/ 13/ LOW INCOME MODERATE INCOME MIDDLE INCOME UPPER INCOME

184 AREATE TABLE 11-4: PRICIN INFORMATION FOR CONVENTIONAL HOME-PURCHASE LOANS, JUNIOR LIEN, 1 TO 4-FAMILY OWNER-OCCUPIED DWELLIN (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2006 Page 2 of 2 BORROWER OR CENSUS TRACT CHARACTERISTICS 15/ NO REPORTED PRICIN DATA REPORTED PRICIN DATA $000'S $000'S $000'S $000'S $000'S $000'S PERCENTAE POINTS ABOVE TREASURY: ONLY INCL. LOANS WITH APR ABOVE THE THRESHOLD 16/ $000'S 10 OR MORE $000'S MEAN 30/ MEDIAN 31/ BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCLUDIN HISPANIC INCOME 9/ LESS THAN 50% OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OR MORE OF MSA/MD MEDIAN INCOME NOT AVAILABLE 6/ ENDER 19/ MALE FEMALE JOINT (MALE/FEMALE) ENDER NOT AVAILABLE 6/ CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10% MINORITY % MINORITY % MINORITY % MINORITY % MINORITY INCOME CHARACTERISTICS 12/ 13/ LOW INCOME MODERATE INCOME MIDDLE INCOME UPPER INCOME

185 AREATE TABLE 11-5: PRICIN INFORMATION FOR FHA REFINANCIN LOANS, FIRST LIEN, 1 TO 4-FAMILY OWNER-OCCUPIED DWELLIN (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2006 Page 1 of 2 BORROWER OR CENSUS TRACT CHARACTERISTICS 15/ NO REPORTED PRICIN DATA REPORTED PRICIN DATA # # # # # # PERCENTAE POINTS ABOVE TREASURY: ONLY INCL. LOANS WITH APR ABOVE THE THRESHOLD 16/ # 8 OR MORE # MEAN 30/ MEDIAN 31/ HOEPA LOANS 17/ # BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE 2 ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES 1 JOINT (WHITE/MINORITY RACE) 4 RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 34 MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCLUDIN HISPANIC INCOME 9/ LESS THAN 50% OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OR MORE OF MSA/MD MEDIAN INCOME NOT AVAILABLE 6/ 89 ENDER 19/ MALE FEMALE JOINT (MALE/FEMALE) ENDER NOT AVAILABLE 6/ 9 CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10% MINORITY % MINORITY % MINORITY % MINORITY % MINORITY INCOME CHARACTERISTICS 12/ 13/ LOW INCOME MODERATE INCOME MIDDLE INCOME UPPER INCOME

186 AREATE TABLE 11-5: PRICIN INFORMATION FOR FHA REFINANCIN LOANS, FIRST LIEN, 1 TO 4-FAMILY OWNER-OCCUPIED DWELLIN (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2006 Page 2 of 2 BORROWER OR CENSUS TRACT CHARACTERISTICS 15/ NO REPORTED PRICIN DATA REPORTED PRICIN DATA $000'S $000'S $000'S $000'S $000'S $000'S PERCENTAE POINTS ABOVE TREASURY: ONLY INCL. LOANS WITH APR ABOVE THE THRESHOLD 16/ $000'S 8 OR MORE $000'S MEAN 30/ MEDIAN 31/ HOEPA LOANS 17/ $000'S BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE 726 ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES 207 JOINT (WHITE/MINORITY RACE) 1108 RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 9907 MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCLUDIN HISPANIC INCOME 9/ LESS THAN 50% OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OR MORE OF MSA/MD MEDIAN INCOME NOT AVAILABLE 6/ ENDER 19/ MALE FEMALE JOINT (MALE/FEMALE) ENDER NOT AVAILABLE 6/ 2178 CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10% MINORITY % MINORITY % MINORITY % MINORITY % MINORITY INCOME CHARACTERISTICS 12/ 13/ LOW INCOME MODERATE INCOME MIDDLE INCOME UPPER INCOME

187 AREATE TABLE 11-6: PRICIN INFORMATION FOR REFINANCIN LOANS, FIRST LIEN, 1 TO 4-FAMILY OWNER-OCCUPIED DWELLIN (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2006 Page 1 of 2 BORROWER OR CENSUS TRACT CHARACTERISTICS 15/ NO REPORTED PRICIN DATA REPORTED PRICIN DATA # # # # # # PERCENTAE POINTS ABOVE TREASURY: ONLY INCL. LOANS WITH APR ABOVE THE THRESHOLD 16/ # 8 OR MORE # MEAN 30/ MEDIAN 31/ HOEPA LOANS 17/ # BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN 2 NAT HAWAIIAN/OTHER PACIFIC ISL WHITE 5 2 OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 2 ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO 7 JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 2 MINORITY STATUS 8/ WHITE NON-HISPANIC 5 OTHERS, INCLUDIN HISPANIC 2 INCOME 9/ LESS THAN 50% OF MSA/MD MEDIAN 50-79% OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN 2 120% OR MORE OF MSA/MD MEDIAN INCOME NOT AVAILABLE 6/ 4 ENDER 19/ MALE 3 FEMALE JOINT (MALE/FEMALE) 5 ENDER NOT AVAILABLE 6/ 1 CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10% MINORITY % MINORITY % MINORITY % MINORITY % MINORITY INCOME CHARACTERISTICS 12/ 13/ LOW INCOME MODERATE INCOME 3 MIDDLE INCOME 5 UPPER INCOME 1

188 AREATE TABLE 11-6: PRICIN INFORMATION FOR REFINANCIN LOANS, FIRST LIEN, 1 TO 4-FAMILY OWNER-OCCUPIED DWELLIN (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2006 Page 2 of 2 BORROWER OR CENSUS TRACT CHARACTERISTICS 15/ NO REPORTED PRICIN DATA REPORTED PRICIN DATA $000'S $000'S $000'S $000'S $000'S $000'S PERCENTAE POINTS ABOVE TREASURY: ONLY INCL. LOANS WITH APR ABOVE THE THRESHOLD 16/ $000'S 8 OR MORE $000'S MEAN 30/ MEDIAN 31/ HOEPA LOANS 17/ $000'S BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN 185 NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 520 ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO 1118 JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 520 MINORITY STATUS 8/ WHITE NON-HISPANIC 933 OTHERS, INCLUDIN HISPANIC 185 INCOME 9/ LESS THAN 50% OF MSA/MD MEDIAN 50-79% OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OR MORE OF MSA/MD MEDIAN INCOME NOT AVAILABLE 6/ 449 ENDER 19/ MALE 534 FEMALE JOINT (MALE/FEMALE) 687 ENDER NOT AVAILABLE 6/ 417 CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10% MINORITY % MINORITY % MINORITY % MINORITY % MINORITY INCOME CHARACTERISTICS 12/ 13/ LOW INCOME MODERATE INCOME 305 MIDDLE INCOME 1128 UPPER INCOME 205

189 AREATE TABLE 11-7: PRICIN INFORMATION FOR CONVENTIONAL REFINANCIN LOANS, FIRST LIEN, 1 TO 4-FAMILY OWNER-OCCUPIED DWELLIN (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2006 Page 1 of 2 BORROWER OR CENSUS TRACT CHARACTERISTICS 15/ NO REPORTED PRICIN DATA REPORTED PRICIN DATA # # # # # # PERCENTAE POINTS ABOVE TREASURY: ONLY INCL. LOANS WITH APR ABOVE THE THRESHOLD 16/ # 8 OR MORE # MEAN 30/ MEDIAN 31/ HOEPA LOANS 17/ # BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCLUDIN HISPANIC INCOME 9/ LESS THAN 50% OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OR MORE OF MSA/MD MEDIAN INCOME NOT AVAILABLE 6/ ENDER 19/ MALE FEMALE JOINT (MALE/FEMALE) ENDER NOT AVAILABLE 6/ CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10% MINORITY % MINORITY % MINORITY % MINORITY % MINORITY INCOME CHARACTERISTICS 12/ 13/ LOW INCOME MODERATE INCOME MIDDLE INCOME UPPER INCOME

190 AREATE TABLE 11-7: PRICIN INFORMATION FOR CONVENTIONAL REFINANCIN LOANS, FIRST LIEN, 1 TO 4-FAMILY OWNER-OCCUPIED DWELLIN (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2006 Page 2 of 2 BORROWER OR CENSUS TRACT CHARACTERISTICS 15/ NO REPORTED PRICIN DATA REPORTED PRICIN DATA $000'S $000'S $000'S $000'S $000'S $000'S PERCENTAE POINTS ABOVE TREASURY: ONLY INCL. LOANS WITH APR ABOVE THE THRESHOLD 16/ $000'S 8 OR MORE $000'S MEAN 30/ MEDIAN 31/ HOEPA LOANS 17/ $000'S BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCLUDIN HISPANIC INCOME 9/ LESS THAN 50% OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OR MORE OF MSA/MD MEDIAN INCOME NOT AVAILABLE 6/ ENDER 19/ MALE FEMALE JOINT (MALE/FEMALE) ENDER NOT AVAILABLE 6/ CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10% MINORITY % MINORITY % MINORITY % MINORITY % MINORITY INCOME CHARACTERISTICS 12/ 13/ LOW INCOME MODERATE INCOME MIDDLE INCOME UPPER INCOME

191 AREATE TABLE 11-8: PRICIN INFORMATION FOR CONVENTIONAL REFINANCIN LOANS, JUNIOR LIEN, 1 TO 4-FAMILY OWNER-OCCUPIED DWELLIN (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2006 Page 1 of 2 BORROWER OR CENSUS TRACT CHARACTERISTICS 15/ NO REPORTED PRICIN DATA REPORTED PRICIN DATA # # # # # # PERCENTAE POINTS ABOVE TREASURY: ONLY INCL. LOANS WITH APR ABOVE THE THRESHOLD 16/ # 10 OR MORE # MEAN 30/ MEDIAN 31/ HOEPA LOANS 17/ # BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES 3 JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCLUDIN HISPANIC INCOME 9/ LESS THAN 50% OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OR MORE OF MSA/MD MEDIAN INCOME NOT AVAILABLE 6/ ENDER 19/ MALE FEMALE JOINT (MALE/FEMALE) ENDER NOT AVAILABLE 6/ CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10% MINORITY % MINORITY % MINORITY % MINORITY % MINORITY INCOME CHARACTERISTICS 12/ 13/ LOW INCOME MODERATE INCOME MIDDLE INCOME UPPER INCOME

192 AREATE TABLE 11-8: PRICIN INFORMATION FOR CONVENTIONAL REFINANCIN LOANS, JUNIOR LIEN, 1 TO 4-FAMILY OWNER-OCCUPIED DWELLIN (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2006 Page 2 of 2 BORROWER OR CENSUS TRACT CHARACTERISTICS 15/ NO REPORTED PRICIN DATA REPORTED PRICIN DATA $000'S $000'S $000'S $000'S $000'S $000'S PERCENTAE POINTS ABOVE TREASURY: ONLY INCL. LOANS WITH APR ABOVE THE THRESHOLD 16/ $000'S 10 OR MORE $000'S MEAN 30/ MEDIAN 31/ HOEPA LOANS 17/ $000'S BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES 410 JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCLUDIN HISPANIC INCOME 9/ LESS THAN 50% OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OR MORE OF MSA/MD MEDIAN INCOME NOT AVAILABLE 6/ ENDER 19/ MALE FEMALE JOINT (MALE/FEMALE) ENDER NOT AVAILABLE 6/ CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10% MINORITY % MINORITY % MINORITY % MINORITY % MINORITY INCOME CHARACTERISTICS 12/ 13/ LOW INCOME MODERATE INCOME MIDDLE INCOME UPPER INCOME

193 AREATE TABLE 11-9: PRICIN INFORMATION FOR CONVENTIONAL HOME IMPROVEMENT LOANS, FIRST LIEN, 1 TO 4-FAMILY OWNER-OCCUPIED DWELLIN (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2006 Page 1 of 2 BORROWER OR CENSUS TRACT CHARACTERISTICS 15/ NO REPORTED PRICIN DATA REPORTED PRICIN DATA # # # # # # PERCENTAE POINTS ABOVE TREASURY: ONLY INCL. LOANS WITH APR ABOVE THE THRESHOLD 16/ # 8 OR MORE # MEAN 30/ MEDIAN 31/ HOEPA LOANS 17/ # BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCLUDIN HISPANIC INCOME 9/ LESS THAN 50% OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OR MORE OF MSA/MD MEDIAN INCOME NOT AVAILABLE 6/ ENDER 19/ MALE FEMALE JOINT (MALE/FEMALE) ENDER NOT AVAILABLE 6/ CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10% MINORITY % MINORITY % MINORITY % MINORITY % MINORITY INCOME CHARACTERISTICS 12/ 13/ LOW INCOME MODERATE INCOME MIDDLE INCOME UPPER INCOME

194 AREATE TABLE 11-9: PRICIN INFORMATION FOR CONVENTIONAL HOME IMPROVEMENT LOANS, FIRST LIEN, 1 TO 4-FAMILY OWNER-OCCUPIED DWELLIN (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2006 Page 2 of 2 BORROWER OR CENSUS TRACT CHARACTERISTICS 15/ NO REPORTED PRICIN DATA REPORTED PRICIN DATA $000'S $000'S $000'S $000'S $000'S $000'S PERCENTAE POINTS ABOVE TREASURY: ONLY INCL. LOANS WITH APR ABOVE THE THRESHOLD 16/ $000'S 8 OR MORE $000'S MEAN 30/ MEDIAN 31/ HOEPA LOANS 17/ $000'S BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCLUDIN HISPANIC INCOME 9/ LESS THAN 50% OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OR MORE OF MSA/MD MEDIAN INCOME NOT AVAILABLE 6/ ENDER 19/ MALE FEMALE JOINT (MALE/FEMALE) ENDER NOT AVAILABLE 6/ CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10% MINORITY % MINORITY % MINORITY % MINORITY % MINORITY INCOME CHARACTERISTICS 12/ 13/ LOW INCOME MODERATE INCOME MIDDLE INCOME UPPER INCOME

195 AREATE TABLE 11-10: PRICIN INFORMATION FOR CONVENTIONAL HOME IMPROVEMENT LOANS, JUNIOR LIEN, 1 TO 4-FAMILY OWNER-OCCUPIED DWELLIN (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2006 Page 1 of 2 BORROWER OR CENSUS TRACT CHARACTERISTICS 15/ NO REPORTED PRICIN DATA REPORTED PRICIN DATA # # # # # # PERCENTAE POINTS ABOVE TREASURY: ONLY INCL. LOANS WITH APR ABOVE THE THRESHOLD 16/ # 10 OR MORE # MEAN 30/ MEDIAN 31/ HOEPA LOANS 17/ # BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCLUDIN HISPANIC INCOME 9/ LESS THAN 50% OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OR MORE OF MSA/MD MEDIAN INCOME NOT AVAILABLE 6/ ENDER 19/ MALE FEMALE JOINT (MALE/FEMALE) ENDER NOT AVAILABLE 6/ CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10% MINORITY % MINORITY % MINORITY % MINORITY % MINORITY INCOME CHARACTERISTICS 12/ 13/ LOW INCOME MODERATE INCOME MIDDLE INCOME UPPER INCOME

196 AREATE TABLE 11-10: PRICIN INFORMATION FOR CONVENTIONAL HOME IMPROVEMENT LOANS, JUNIOR LIEN, 1 TO 4-FAMILY OWNER-OCCUPIED DWELLIN (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2006 Page 2 of 2 BORROWER OR CENSUS TRACT CHARACTERISTICS 15/ NO REPORTED PRICIN DATA REPORTED PRICIN DATA $000'S $000'S $000'S $000'S $000'S $000'S PERCENTAE POINTS ABOVE TREASURY: ONLY INCL. LOANS WITH APR ABOVE THE THRESHOLD 16/ $000'S 10 OR MORE $000'S MEAN 30/ MEDIAN 31/ HOEPA LOANS 17/ $000'S BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCLUDIN HISPANIC INCOME 9/ LESS THAN 50% OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OR MORE OF MSA/MD MEDIAN INCOME NOT AVAILABLE 6/ ENDER 19/ MALE FEMALE JOINT (MALE/FEMALE) ENDER NOT AVAILABLE 6/ CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10% MINORITY % MINORITY % MINORITY % MINORITY % MINORITY INCOME CHARACTERISTICS 12/ 13/ LOW INCOME MODERATE INCOME MIDDLE INCOME UPPER INCOME

197 AREATE TABLE 12-1: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL MANUFACTURED HOME-PURCHASE LOANS, FIRST LIEN, OWNER OCCUPIED DWELLIN, BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2006 Page 1 of 1 Borrower or Census Tract Characteristics Received 20/ Originated Apps. Approved But Not Accepted Denied Withdrawn Files Closed For Incompleteness BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCLUDIN HISPANIC INCOME 9/ LESS THAN 50% OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OR MORE OF MSA/MD MEDIAN INCOME NOT AVAILABLE 6/ ENDER 19/ MALE FEMALE JOINT (MALE/FEMALE) ENDER NOT AVAILABLE 6/ CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10% MINORITY % MINORITY % MINORITY % MINORITY % MINORITY INCOME CHARACTERISTICS 12/ 13/ LOW INCOME # # # # # # MODERATE INCOME MIDDLE INCOME UPPER INCOME

198 AREATE TABLE 12-2: PRICIN INFORMATION FOR CONVENTIONAL MANUFACTURED HOME-PURCHASE LOANS, FIRST LIEN, OWNER OCCUPIED DWELLIN, BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2006 Page 1 of 2 BORROWER OR CENSUS TRACT CHARACTERISTICS 15/ NO REPORTED PRICIN DATA REPORTED PRICIN DATA # # # # # # PERCENTAE POINTS ABOVE TREASURY: ONLY INCL. LOANS WITH APR ABOVE THE THRESHOLD 16/ # # 10 OR MORE # MEAN 30/ MEDIAN 31/ BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCLUDIN HISPANIC INCOME 9/ LESS THAN 50% OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OR MORE OF MSA/MD MEDIAN INCOME NOT AVAILABLE 6/ ENDER 19/ MALE FEMALE JOINT (MALE/FEMALE) ENDER NOT AVAILABLE 6/ CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10% MINORITY % MINORITY % MINORITY % MINORITY % MINORITY INCOME CHARACTERISTICS 12/ 13/ LOW INCOME MODERATE INCOME MIDDLE INCOME UPPER INCOME 2

199 AREATE TABLE 12-2: PRICIN INFORMATION FOR CONVENTIONAL MANUFACTURED HOME-PURCHASE LOANS, FIRST LIEN, OWNER OCCUPIED DWELLIN, BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2006 Page 2 of 2 BORROWER OR CENSUS TRACT CHARACTERISTICS 15/ NO REPORTED PRICIN DATA REPORTED PRICIN DATA $000'S $000'S $000'S $000'S $000'S $000'S PERCENTAE POINTS ABOVE TREASURY: ONLY INCL. LOANS WITH APR ABOVE THE THRESHOLD 16/ $000'S $000'S 10 OR MORE $000'S MEAN 30/ MEDIAN 31/ BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NAT HAWAIIAN/OTHER PACIFIC ISL WHITE OR MORE MINORITY RACES JOINT (WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS, INCLUDIN HISPANIC INCOME 9/ LESS THAN 50% OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OF MSA/MD MEDIAN % OR MORE OF MSA/MD MEDIAN INCOME NOT AVAILABLE 6/ ENDER 19/ MALE FEMALE JOINT (MALE/FEMALE) ENDER NOT AVAILABLE 6/ CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10% MINORITY % MINORITY % MINORITY % MINORITY % MINORITY INCOME CHARACTERISTICS 12/ 13/ LOW INCOME MODERATE INCOME MIDDLE INCOME UPPER INCOME 635

200 SUMMARY TABLE A1: DISPOSITION OF APPLICATIONS AND LOAN SALES BY LOAN TYPE, 1- TO 4-FAMILIES (EXCLUDES MANUFACTURED HOMES), 2006 Page 1 of 1 LOAN TYPE HOME PURCHASE REFINANCE HOME IMPROVEMENT FIRST LIEN JUNIOR LIEN FIRST LIEN JUNIOR LIEN FIRST LIEN JUNIOR LIEN NO LIEN TOTAL APPLICATIONS 28/ CONVENTIONAL FHA VA FSA/RHS 3 LOANS ORIINATED CONVENTIONAL FHA VA 32 9 FSA/RHS 1 APPLICATIONS APPROVED BUT NOT ACCEPTED CONVENTIONAL FHA VA 2 1 FSA/RHS APPLICATIONS DENIED CONVENTIONAL FHA VA 8 5 FSA/RHS APPLICATIONS WITHDRAWN CONVENTIONAL FHA VA 8 4 FSA/RHS 2 CONVENTIONAL FHA 2 35 VA 1 1 FSA/RHS MEMO ITEM: SUBSET OF LOANS ORIINATED PREAPPROVALS RESULTIN IN ORIINATIONS CONVENTIONAL NA NA NA NA NA FHA 20 NA NA NA NA NA VA 2 NA NA NA NA NA FSA/RHS NA NA NA NA NA LOANS SOLD CONVENTIONAL FHA VA 30 9 FSA/RHS 1

201 SUMMARY TABLE A2: DISPOSITION OF APPLICATIONS AND LOAN SALES BY LOAN TYPE, MANUFACTURED HOME, 2006 Page 1 of 1 LOAN TYPE HOME PURCHASE REFINANCE HOME IMPROVEMENT FIRST LIEN JUNIOR LIEN FIRST LIEN JUNIOR LIEN FIRST LIEN JUNIOR LIEN NO LIEN TOTAL APPLICATIONS 28/ CONVENTIONAL FHA VA FSA/RHS LOANS ORIINATED CONVENTIONAL FHA VA FSA/RHS APPLICATIONS APPROVED BUT NOT ACCEPTED CONVENTIONAL FHA VA FSA/RHS APPLICATIONS DENIED CONVENTIONAL FHA VA FSA/RHS APPLICATIONS WITHDRAWN CONVENTIONAL FHA VA FSA/RHS CONVENTIONAL 2 5 FHA VA FSA/RHS MEMO ITEM: SUBSET OF LOANS ORIINATED PREAPPROVALS RESULTIN IN ORIINATIONS CONVENTIONAL NA NA NA NA NA FHA NA NA NA NA NA VA NA NA NA NA NA FSA/RHS NA NA NA NA NA LOANS SOLD CONVENTIONAL FHA VA FSA/RHS

202 SUMMARY TABLE A3: DISPOSITION OF APPLICATIONS AND LOAN SALES BY LOAN TYPE, MULTIFAMILY, 2006 Page 1 of 1 LOAN TYPE HOME PURCHASE REFINANCE HOME IMPROVEMENT FIRST LIEN JUNIOR LIEN FIRST LIEN JUNIOR LIEN FIRST LIEN JUNIOR LIEN NO LIEN TOTAL APPLICATIONS 28/ CONVENTIONAL FHA VA FSA/RHS LOANS ORIINATED CONVENTIONAL FHA VA FSA/RHS APPLICATIONS APPROVED BUT NOT ACCEPTED CONVENTIONAL FHA VA FSA/RHS APPLICATIONS DENIED CONVENTIONAL FHA VA FSA/RHS APPLICATIONS WITHDRAWN CONVENTIONAL FHA VA FSA/RHS CONVENTIONAL 2 1 FHA VA FSA/RHS MEMO ITEM: SUBSET OF LOANS ORIINATED LOANS SOLD CONVENTIONAL FHA VA FSA/RHS

203 SUMMARY TABLE A4: DISPOSITION OF PREAPPROVALS FOR CONVENTIONAL HOME-PURCHASE LOANS, FIRST LIEN, 1- TO 4-FAMILY DWELLINS (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2006 Page 1 of 1 BORROWER OR CENSUS TRACT CHARACTERISTICS PREAPPROVALS RESULTIN IN ORIINATIONS PREAPPROVALS APPROVED BUT NOT ACCEPTED 29/ PREAPPROVALS DENIED # $000'S # $000'S # $000'S BORROWER CHARACTERISTICS RACE 5/ AMERICAN IND/ALASKA NATIVE NA NA NA NA ASIAN NA NA NA NA BLACK OR AFRICAN AMERICAN NA NA NA NA NAT HAWAIIAN/OTHER PACIFIC ISL NA NA NA NA WHITE NA NA NA NA 2 OR MORE MINORITY RACES NA NA NA NA JOINT (WHITE/MINORITY RACE) NA NA NA NA RACE NOT AVAILABLE 6/ NA NA NA NA ETHNICITY 7/ HISPANIC OR LATINO NA NA NA NA NOT HISPANIC OR LATINO NA NA NA NA JOINT (HISPANIC OR LATINO/ NOT NA NA NA NA HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ NA NA NA NA MINORITY STATUS 8/ WHITE NON-HISPANIC NA NA NA NA OTHERS, INCLUDIN HISPANIC NA NA NA NA INCOME 9/ LESS THAN 50% OF MSA/MD MEDIAN NA NA NA NA 50-79% OF MSA/MD MEDIAN NA NA NA NA 80-99% OF MSA/MD MEDIAN NA NA NA NA % OF MSA/MD MEDIAN NA NA NA NA 120% OR MORE OF MSA/MD MEDIAN NA NA NA NA INCOME NOT AVAILABLE 6/ NA NA NA NA ENDER 19/ MALE NA NA NA NA FEMALE NA NA NA NA JOINT (MALE/FEMALE) NA NA NA NA ENDER NOT AVAILABLE 6/ NA NA NA NA CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10% MINORITY NA NA NA NA 10-19% MINORITY NA NA NA NA 20-49% MINORITY NA NA NA NA 50-79% MINORITY NA NA NA NA % MINORITY NA NA NA NA INCOME CHARACTERISTICS 12/ 13/ LOW INCOME NA NA NA NA MODERATE INCOME NA NA NA NA MIDDLE INCOME NA NA NA NA UPPER INCOME NA NA NA NA

204 SUMMARY TABLE B: LOAN PRICIN INFORMATION FOR CONVENTIONAL LOANS BY INCIDENCE AND LEVEL, 2006 Page 1 of 1 PRICIN INFORMATION HOME PURCHASE REFINANCE HOME IMPROVEMENT FIRST LIEN JUNIOR LIEN FIRST LIEN JUNIOR LIEN FIRST LIEN JUNIOR LIEN NO LIEN 1- TO 4-FAMILY OWNER OCCUPIED DWELLINS (EXCLUDES MANUFACTURED HOMES) INCIDENCE OF PRICIN NO PRICIN REPORTED 15/ NA PRICIN REPORTED NA MEAN 30/ (POINTS ABOVE TREASURY: ONLY INCLUDE LOANS WITH APR ABOVE THE THRESHOLD 16/) MEDIAN 31/ (POINTS ABOVE TREASURY: ONLY INCLUDE LOANS WITH APR ABOVE THE THRESHOLD 16/) HOEPA STATUS NA NA HOEPA LOAN 17/ NA NA 9 7 NOT HOEPA LOAN NA NA NA NA MANUFACTURED HOME OWNER OCCUPIED DWELLINS INCIDENCE OF PRICIN NO PRICIN REPORTED 15/ NA PRICIN REPORTED NA MEAN 30/ (POINTS ABOVE TREASURY: ONLY INCLUDE LOANS WITH APR ABOVE THE THRESHOLD 16/) MEDIAN 31/ (POINTS ABOVE TREASURY: ONLY INCLUDE LOANS WITH APR ABOVE THE THRESHOLD 16/) HOEPA STATUS NA NA HOEPA LOAN 17/ NA NA NOT HOEPA LOAN NA NA NA NA