Homethinking shows you transactional histories of real estate agents and mortgage lenders.
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US

Homethinking Mortgage

    1. What is Homethinking Mortgage?
    1. Homethinking Mortgage allows you to browse through actual mortgage application data. The data is derived from the Home Mortgage Disclosure Act, which requires lenders to maintain and annually disclose data about home purchases, home purchase pre-approvals, home improvement, and refinance applications involving 1 to 4 unit and multifamily dwellings to the Federal reserve board.
    2. How is it useful?
    1. If you are considering buying or refinancing your mortgage, the data can show you who the top lenders by market share are in a particular area. Also, you can see things like the percentage of subprime loans taken out in the area and the loan amount to income ratio. These two statistics can act as a forward signal that predicts the threat (or non-threat) of foreclosures in the area.
 
2006 Mortgage Research US
Total Applications 33,304,682
Average Loan $184.9k
Loan to Income Ratio 1.83
Subprime Loans 11.98%
Refinancing Loans 50.05%
Principal Dwellings 88.97%
Rejected Applications 12.36%
Top Ten Lenders
# Name Share Apps
1 Countrywide Home Loans 7.27% 2,420,539
2 Wells Fargo Bank, Na 3.78% 1,257,530
3 Washington Mutual Bank 2.63% 875,006
4 Bank Of America, N.A. 2.50% 833,691
5 Countrywide Bank, N.A. 2.33% 775,217
6 Jpmorgan Chase Bank 2.27% 756,551
7 Citimortgage, Inc 2.19% 729,835
8 Beneficial Company Llc 2.02% 672,170
9 National City Bank 1.89% 628,613
10 Gmac Mortgage Llc 1.68% 558,192