Lending Landscape

Top Lenders

Small loans (< $90,000)

Lender	Loans	Average loan amount	Median borrower income	Median DTI	Median LTV	Share of loans to black borrowers
PNC BANK NA	307	$46,336	$58,000	33	59	11.4%
Republic Bank & Trust Company	273	$46,429	$53,000	33	90	12.8%
Commonwealth Bank and Trust Company	271	$25,406	$50,000	33	80	18.1%
Park Community Credit Union	171	$49,503	$70,000	25	74	7.6%
River City Bank	168	$48,810	$74,500	NA	NA	4.2%
US BANK, N.A.	145	$48,172	$54,000	25	74	7.6%
Century Mortgage Company DBA Century Lending Company	117	$66,709	$3,000	33	80	2.6%
Quicken Loans	115	$64,391	$36,000	33	74	8.7%
Stockton Mortgage Corporation	99	$27,222	$39,000	37	101	52.5%
FAIRWAY INDEPENDENT MORT CORP	97	$29,845	$44,000	39	100	18.6%

All loans

Lender	Loans	Average loan amount	Median borrower income	Median DTI	Median LTV	Share of loans to black borrowers
Century Mortgage Company DBA Century Lending Company	1688	$174,775	$5,000	37	95	1.5%
Commonwealth Bank and Trust Company	1258	$164,356	$63,000	36	90	9.9%
Republic Bank & Trust Company	1180	$168,042	$65,000	33	100	9.5%
Quicken Loans	984	$158,404	$63,000	36	80	7.1%
United Shore Financial Services LLC	950	$204,884	$65,000	37	90	4.7%
PNC BANK NA	776	$137,139	$70,000	33	74	7.5%
US BANK, N.A.	628	$134,459	$45,000	36	90	4.0%
JPMorgan Chase Bank, NA	596	$214,732	$77,000	33	80	5.5%
Platinum Mortgage Inc	521	$175,038	$63,000	37	89	4.2%
Fifth Third Mortgage Company	513	$175,936	$64,000	33	80	5.8%

Lending by Neighborhood

Loan Amount by Neighborhood

Borrower Income by Neighborhood

Credit Characteristics

Credit by loan amount

All loans

Loan amount	Loans	Conventional share	Median DTI	Median LTV	Median income
<= $80,000	3,182	89.4%	33	80.0	$44,000
$80,000 - $150,000	7,834	70.0%	36	89.7	$46,000
$150,000 - $300,000	8,392	70.6%	37	90.0	$73,000
> $300,000	2,253	87.7%	33	80.0	$147,000

Purchase loans

Loan amount	Loans	Conventional share	Median DTI	Median LTV	Median income
<= $80,000	1,975	88.6%	33	94.62	$42,000
$80,000 - $150,000	5,467	67.8%	36	96.50	$42,000
$150,000 - $300,000	6,533	69.5%	37	95.00	$70,000
> $300,000	1,768	87.7%	33	85.00	$146,000

Refi loans

Loan amount	Loans	Conventional share	Median DTI	Median LTV	Median income
<= $80,000	1,207	90.7%	33	60.484	$47,000
$80,000 - $150,000	2,367	75.0%	33	75.000	$55,000
$150,000 - $300,000	1,859	74.7%	36	78.130	$84,000
> $300,000	485	88.0%	36	77.965	$150,000

LTV

Purchase loans only

DTI

Loan characteristics

Loan costs

Conventional loans

Loan amount	Loans	Interest rate	Rate spread	Total loan costs	Origination charges
<= $80,000	2844	5.17	0.79	1622.51	695.85
$80,000 - $150,000	5483	4.93	0.71	2467.54	1118.25
$150,000 - $300,000	5927	4.75	0.50	2777.63	1221.89
> $300,000	1977	4.59	0.33	3566.06	1398.48

FHA loans

Loan amount	Loans	Interest rate	Rate spread	Total loan costs	Origination charges
<= $80,000	290	4.92	1.60	3509.74	1106.25
$80,000 - $150,000	1854	4.81	1.38	4517.22	1164.87
$150,000 - $300,000	1579	4.72	1.23	6043.74	1156.96
> $300,000	58	4.66	1.11	8606.14	1372.79

VA loans

Loan amount	Loans	Interest rate	Rate spread	Total loan costs	Origination charges
<= $80,000	43	4.64	0.71	2552.56	877.55
$80,000 - $150,000	401	4.70	0.48	3852.84	1228.39
$150,000 - $300,000	805	4.60	0.29	5381.55	1245.22
> $300,000	217	4.44	0.09	7738.10	1331.93

Loan features

Loan Performance

Delinquency rate by county

Foreclosure rate by county