ÿþ<html><!-- #BeginTemplate "Templates/mAD.dwt" --> <!-- DW6 --> <head> <!-- #BeginEditable "doctitle" --> <title>About PMIC Aggregate and Disclosure Reports</title> <!-- #EndEditable --> <meta http-equiv="Content-Type" content="text/html; charset=iso-8859-1"> <link rel="stylesheet" href="crastyles.css"> <script language="JavaScript" src="exit.js"> </script> </head> <body bgcolor="#FFFFFF"> <table border="0" cellspacing="0" cellpadding="0" width="644"> <tr colspan="2"> <td width="145" valign="bottom" bgcolor="#ffffff" nowrap><nobr><img alt="" border=0 height=1 src="images/spacer.gif" width=12><a href="/hmda/mica.htm"><img alt="Home - Link to HMDA main page" border=0 height=30 src="images/headerhome2G.gif"></a></nobr></td> <td valign="center" height="40" width="519"><img src="images/MICAheader.gif" width="500" height="40"></td> </tr> <tr> <!--- Start of Global Nav TD ---> <td width="145" bgcolor="#336699" valign="top" rowspan="2"> <table bgcolor="#336699" cellpadding="0" cellspacing="0" border="0" width="147"> <tr> <td width="12" rowspan="9" bgcolor="#336699"><img alt="" border=0 height=1 src="images/spacer.gif" width=12></td> <td width="3" rowspan="9" bgcolor="#666666"><img alt="" border=0 height=1 src="images/spacer.gif" width=3></td> <td width="2" rowspan="9" bgcolor="#CCCCCC"><img alt="" border=0 height=1 src="images/spacer.gif" width=1></td> <td width="5" bgcolor="#CCCCCC"><img alt="" border=0 height=1 src="images/spacer.gif" width=1></td> <td width="122" bgcolor="#CCCCCC"><img alt="" border=0 height=1 src="images/spacer.gif" width=1></td> <td width="5" rowspan="9" bgcolor="#cccccc"><img alt="" border=0 height=1 src="images/spacer.gif" width=1></td> <td width="1" rowspan="9" bgcolor="#336699"><img alt="" border=0 height=1 src="images/spacer.gif" width=1></td> </tr> <tr> <td width="5" bgcolor="#CCCCCC"><img alt="" border=0 height=1 src="images/spacer.gif" width=1></td> <td bgcolor="#CCCCCC"><span class="nav-main"><a href="/default.htm"><img alt="FFIEC Logo - Link to FFIEC Web site" border=0 height=19 src="images/ffieclogosmall.gif" width=70></a> </span> <br> <br> </td> </tr> <tr> <td width="5" bgcolor="#CCCCCC"><img alt="" border=0 height=1 src="images/spacer.gif" width=1></td> <td bgcolor="#CCCCCC"><a href="aboutmica.htm" class="nav-sub">ABOUT CONTENT</a><br> <a href="mica_reporthelp.htm" class="nav-sub">REPORT HELP</a><br> <a href="footnote_mica.htm" class="nav-sub">NOTES</a><br> <br> </td> </tr> <tr> <td colspan="2" bgcolor="#CCCCCC"><img alt="" border=0 height=1 src="images/spacer.gif" width=1></td> </tr> <tr> <td colspan="2" bgcolor="#999999"><img alt="" border=0 height=2 src="images/spacer.gif" width=1></td> </tr> <tr> <td colspan="2" bgcolor="#CCCCCC"><img alt="" border=0 height=1 src="images/spacer.gif" width=1></td> </tr> <tr> <td width="5" bgcolor="#CCCCCC"><img alt="" border=0 height=1 src="images/spacer.gif" width=1></td> <td bgcolor="#CCCCCC"> <span class="nav-main"> <a class=nav-sub href="/hmda/mica_pdf.htm"> PDF HELP</a><br> <a class=nav-sub href="/hmda/contactmica.htm">CONTACT US</a><br> <a class=nav-sub href="/privacy.htm">PRIVACY POLICY</a><br> <br> </span> </td> </tr> <tr> <td colspan="2" bgcolor="#CCCCCC"><img alt="" border=0 height=1 src="images/spacer.gif" width=1></td> </tr> <tr> <td colspan="2" width="115" bgcolor="#CCCCCC"> <table cellpadding="0" cellspacing="0" border="0" width="115" bgcolor="#336699"> <tr> <td width="6"><img alt="" border=0 height=1 src="images/spacer.gif" width=1></td> <td width="109"><img alt="" border=0 height=1 src="images/spacer.gif" width=1></td> </tr> <tr> <td width="6"><img alt="" border=0 height=1 src="images/spacer.gif" width=1></td> <td width="109" bgcolor="#336699"> <span class="nav-link">QUICK LINKS</span> <br> <img alt="" border=0 height=1 src="images/spacer.gif" width=1><br> <A class=nav-quick href="aggwelcome_mica.aspx">Aggregate Report</A><br> <A class=nav-quick href="diswelcome_mica.aspx">Disclosure Report</A><br> <A class=nav-quick href="nataggwelcome_mica.aspx">National Aggregate</A><br> <br> </td> </tr> <tr> <td width="6"><img alt="" border=0 height=1 src="images/spacer.gif" width=1></td> <td width="109"><img alt="" border=0 height=1 src="images/spacer.gif" width=1></td> </tr> </table> </td> </tr> <tr> <td width="10" bgcolor="#336699"><img alt="" border=0 height=1 src="images/spacer.gif" width=1></td> <td width="10" colspan="3" bgcolor="#CCCCCC"><img alt="" border=0 height=11 src="images/bottomcurveG.gif" width=11></td> <td width="122" bgcolor="#CCCCCC"><img alt="" border=0 height=1 src="mages/spacer.gif" width=1></td> <td width="5" bgcolor="#cccccc"><img alt="" border=0 height=1 src="images/spacer.gif" width=1></td> <td width="1" bgcolor="#336699"><img alt="" border=0 height=1 src="images/spacer.gif" width=1></td> </tr> </table> <!--- End of Global Nav TD ---> </td> <!--- Start of Main Content TD ---> <td width="519" bgcolor="#ffffff" valign="top"> <table width="100%" cellpadding="0" cellspacing="0" border="0"> <tr> <td colspan="3" bgcolor="#336699"><img alt="" border=0 height=1 src="images/spacer.gif" width=1></td> </tr> </table> <table width="497" height="204" cellpadding="0" cellspacing="0"> <tr> <td width="10" valign="top" rowspan="10"> <img alt="" border=0 height=1 src="images/spacer.gif" width=10></td> <td valign="top"> <!-- #BeginEditable "content" --> <p class="title"><b>PRIVATE MORTGAGE INSURANCE AGGREGATE AND DISCLOSURE INFORMATION SHEET </b></p> <p class="main-body"><font size="-1" face="Arial, Helvetica, sans-serif"> PRIVATE MORTGAGE INSURANCE (PMI) COMPANIES HAVE ARRANGED THROUGH THE FEDERAL FINANCIAL INSTITUTIONS EXAMINATION COUNCIL (FFIEC) TO DISCLOSE INFORMATION TO THE PUBLIC ON THE DISPOSITION OF MORTGAGE INSURANCE APPLICATIONS. DISCLOSURES ARE PUBLICLY AVAILABLE AT THE COMPANIES' OWN OFFICES, AS WELL AS ON THE WEB (<a href="http://www.ffiec.gov/REPORTS.HTM">HTTP://WWW.FFIEC.GOV/REPORTS.HTM)</a> IN ADDITION TO EACH PRIVATE MORTGAGE INSURANCE COMPANY'S INDIVIDUAL DISCLOSURE STATEMENT, AGGREGATE DATA TABLES COVERING THE MORTGAGE INSURANCE ACTIVITY OF ALL ACTIVE PMI COMPANIES IN A PARTICULAR MSA/MD ARE MADE AVAILABLE ON THE INTERNET. </font></p> <p class="main-body"><font size="-1" face="Arial, Helvetica, sans-serif">THE PMI DATA ON THE WEB INCLUDES DATA FROM THE UNIVERSE OF REPORTERS; THEREFORE, USERS WILL HAVE ACCESS TO THE INDIVIDUAL DISCLOSURE STATEMENT FOR EACH PMI COMPANY REPORTING DATA AND AGGREGATE TABLES FOR EACH MSA/MD NATIONWIDE. </font></p> <p class="main-body"> <font size="-1" face="Arial, Helvetica, sans-serif">AS IN THE PAST, TO CATEGORIZE CENSUS TRACTS BY INCOME WE RELY ON THE 2000 CENSUS TO DETERMINE THE MEDIAN FAMILY INCOME FOR EACH MSA/MD. FOR CATEGORIZING APPLICANTS OR BORROWERS, WE RELY ON INFORMATION OBTAINED FROM THE DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT (HUD) FOR AN UPDATED ESTIMATE OF THE MEDIAN FAMILY INCOME FOR EACH MSA/MD.</font></p> <p class="glossary-itemsunderline"><span class="glossary-itemsunderline"><b><u> CHANGE FOR 2010 DATA</u></b></span> </p> <p class="main-body"> <font size="-1" face="Arial, Helvetica, sans-serif">A NEW CATEGORY, &#8220;AGE UNKNOWN,&#8221; WAS ADDED FOR TABLE 9; IT CONTAINS THE CENSUS TRACTS WHERE THE MEDIAN AGE IS UNKNOWN. (PREVIOUSLY, THOSE CENSUS TRACTS WHERE THE MEDIAN AGE WAS UNKNOWN WERE INCLUDED IN THE MOST RECENT CATEGORY.) </font></p> <p class="glossary-itemsunderline"><span class="glossary-itemsunderline"><b><u> QUESTIONS OR COMMENTS</u></b></span> </p> <p class="main-body"><font size="-1" face="Arial, Helvetica, sans-serif">ANY QUESTIONS OR COMMENTS ABOUT THE HMDA DATA MAY BE DIRECTED IN WRITING TO THE EXECUTIVE SECRETARY, FEDERAL FINANCIAL INSTITUTIONS EXAMINATION COUNCIL, 3501 FAIRFAX DRIVE, ROOM B-7081a, ARLINGTON, VA 22226. </font></p> <p class="glossary-itemsunderline"><b><u>CONTENT OF 2010 AGGREGATE AND DISCLOSURE STATEMENT TABLES</u></b></p> <p class="main-body"><font size="-1" face="Arial, Helvetica, sans-serif">A DISCLOSURE STATEMENT MAY CONTAIN UP TO 20 TABLES FOR EACH MSA/MD. IN ADDITION, A DISCLOSURE STATEMENT MAY CONTAIN ONE SUPPLEMENTAL TABLE, AND SUMMARY TABLES A-1 AND A-2 (SUMMARIZED AT THE NATIONWIDE LEVEL OF THE PMI COMPANY). ALSO, IT WILL CONTAIN AN INSTITUTION REGISTER SUMMARY (IRS) REPORT, WHICH REFLECTS ALL THE DATA REPORTED BY A PMI INSTITUTION FOR SPECIFIC LOAN/APPLICATION REGISTER (LAR) FIELDS IN A SUMMARY REPORT. </font> </p> <p class="main-body"><font size="-1" face="Arial, Helvetica, sans-serif"> THE INCLUSION OF A TABLE IN THE DISCLOSURE DATA FOR A PARTICULAR PMI COMPANY DEPENDS ON THE INSTITUTION'S MORTGAGE INSURANCE ACTIVITY. FOR EXAMPLE, IF DURING 2010 THE INSTITUTION DID NOT REPORT REASONS FOR DENIALS ON APPLICATIONS FOR INSURANCE, ITS DISCLOSURE STATEMENT WILL NOT INCLUDE TABLES 8-2, 8-3, 8-6 OR 8-7. </font></p> <p class="main-body"><font size="-1" face="Arial, Helvetica, sans-serif">AGGREGATE TABLES SHOW THE AGGREGATE LENDING ACTVITY FOR ALL PMI COMPANIES COVERED BY HMDA FOR EACH MSA/MD FOR THE ENTIRE NATION. ONE MSA/MD AGGREGATE TABLE DOCUMENT MAY CONTAIN UP TO 23 TABLES.</font></p> <p class="main-body"><font size="-1" face="Arial, Helvetica, sans-serif">THE FOLLOWING IS A LIST OF THE AGGREGATE AND DISCLOSURE TABLES THAT HAVE BEEN PREPARED COVERING THE PMI DATA FOR CALENDAR YEAR 2010. TABLES INCLUDED IN THE AGGREGATE DATA ONLY OR DISCLOSURE DATA ONLY ARE IDENTIFIED.</font></p> <TABLE BORDER WIDTH="100%" COLS=2> <TR class="main-body"> <TH WIDTH="102" Scope="col" valign="top"><font size="-1" face="Arial, Helvetica, sans-serif"> TABLE NUMBER</font></TH> <TH width="367" valign="top" scope="col"><font size="-1" face="Arial, Helvetica, sans-serif"> DESCRIPTION</font></TH> <TR class="main-body"> <TD valign="top"><font size="-1" face="Arial, Helvetica, sans-serif"> TABLE i </font></TD> <TD colspan="2"><font size="-1" face="Arial, Helvetica, sans-serif"> REPORTING INSTITUTIONS WHO HAVE A HOME OR BRANCH OFFICE IN THE MSA/MD (AGGREGATE DATA ONLY) </font></TD> </TR> <TR class="main-body"> <TD valign="top"><font size="-1" face="Arial, Helvetica, sans-serif"> TABLE 1 </font></TD> <TD colspan="2"><font size="-1" face="Arial, Helvetica, sans-serif"> DISPOSITION OF APPLICATIONS FOR MORTGAGE INSURANCE, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 2010</font></TD> </TR> <TR class="main-body"> <TD valign="top"><font size="-1" face="Arial, Helvetica, sans-serif"> TABLES 4-2, 4-3, 4-6 AND 4-7 </font></TD> <TD colspan="2"><font size="-1" face="Arial, Helvetica, sans-serif">DISPOSITION OF APPLICATIONS LOANS FOR MORTGAGE INSURANCE FOR LOANS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2010 (ONE FOR EACH TYPE OF LOAN: CONVENTIONAL HOME PURCHASE; REFINANCING; NONOCCUPANT; AND MANUFACTURED HOME DWELLINGS)</font></TD> </TR> <TR class="main-body"> <TD width="102" valign="top"><font size="-1" face="Arial, Helvetica, sans-serif"> TABLES 5-2, 5-3, 5-6 AND 5-7 </font></TD> <TD colspan="2" width="367"><font size="-1" face="Arial, Helvetica, sans-serif"> DISPOSITION OF APPLICATIONS FOR MORTGAGE INSURANCE FOR LOANS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2010 (ONE FOR EACH TYPE OF LOAN) </font></TD> </TR> <TR class="main-body"> <TD width="102" valign="top"><font size="-1" face="Arial, Helvetica, sans-serif"> TABLES 7-2, 7-3, 7-6 AND 7-7 </font></TD> <TD colspan="2" width="367"><font size="-1" face="Arial, Helvetica, sans-serif"> DISPOSITION OF APPLICATIONS FOR MORTGAGE INSURANCE FOR LOANS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2010 (ONE FOR EACH TYPE OF LOAN) </font></TD> </TR> <TR class="main-body"> <TD width="102" valign="top"><font size="-1" face="Arial, Helvetica, sans-serif"> TABLES 8-2, 8-3, 8-6 AND 8-7 </font></TD> <TD colspan="2" width="367"><font size="-1" face="Arial, Helvetica, sans-serif"> REASONS FOR DENIAL OF MORTGAGE INSURANCE OF APPLICATIONS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2010 (ONE FOR EACH TYPE OF LOAN) </font></TD> </TR> <TR class="main-body"> <TD width="102" valign="top"><font size="-1" face="Arial, Helvetica, sans-serif"> TABLE 9 </font></TD> <TD colspan="2" width="367"><font size="-1" face="Arial, Helvetica, sans-serif"> DISPOSITION OF APPLICATIONS FOR MORTGAGE INSURANCE FOR LOANS, BY MEDIAN AGE OF HOMES IN CENSUS TRACT IN WHICH PROPERTY IS LOCATED AND TYPE OF LOAN, 2010 (AGGREGATE DATA ONLY) </font></TD> </TR> <TR class="main-body"> <TD valign="top"><font size="-1" face="Arial, Helvetica, sans-serif"> TABLE 10 </font></TD> <TD colspan="2"><font size="-1" face="Arial, Helvetica, sans-serif"> DISPOSITION OF APPLICATIONS FOR MORTGAGE INSURANCE FOR LOANS, BY PRINCIPAL CITY VERSUS NON-PRINCIPAL CITY PROPERTY LOCATION AND TYPE OF LOAN, 2010 (AGGREGATE DATA ONLY) </font></TD> </TR> <TR class="main-body"> <TD width="102" valign="top"><font size="-1" face="Arial, Helvetica, sans-serif"> TABLES 12-1 </font></TD> <TD colspan="2" width="367"><font size="-1" face="Arial, Helvetica, sans-serif"> DISPOSITION OF APPLICATIONS FOR MORTGAGE INSURANCE FOR CONVENTIONAL MANUFACTURED HOME-PURCHASE LOANS, FIRST LIEN, OWNER-OCCUPIED DWELLING, BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2010</font></TD> </TR> <TR class="main-body"> <TD valign="top"><font size="-1" face="Arial, Helvetica, sans-serif"> SUMMARY TABLE A1</font></TD> <TD colspan="2"><font size="-1" face="Arial, Helvetica, sans-serif">DISPOSITION OF APPLICATIONS FOR MORTGAGE INSURANCE FOR LOANS BY LOAN TYPE, 1- TO 4-FAMILY DWELLINGS (EXCLUDES MANUFACTURED HOMES), 2010 </font></TD> </TR> <TR class="main-body"> <TD valign="top"><font size="-1" face="Arial, Helvetica, sans-serif">SUMMARY TABLE A2</font></TD> <TD colspan="2"><font size="-1" face="Arial, Helvetica, sans-serif">DISPOSITION OF APPLICATIONS FOR MORTGAGE INSURANCE BY LOAN TYPE, MANUFACTURED HOMES, 2010 </font></TD> </TR> </TABLE> <P align="center"><font size="-1" face="Arial, Helvetica, sans-serif"><B><U> INSTITUTION LEVEL REPORTS </u> </b></font> <TABLE BORDER WIDTH="100%" COLS=2> <TR> <TH WIDTH="102" Scope="col" valign="top"><font size="-1" face="Arial, Helvetica, sans-serif"> TABLE NUMBER</font></TH> <TH width="367" valign="top" scope="col"><font size="-1" face="Arial, Helvetica, sans-serif"> DESCRIPTION</font></TH> </TR> <TD valign="top"><font size="-1" face="Arial, Helvetica, sans-serif">SUPPLEMENTAL TABLE 1</font></TD> <TD colspan="2"><font size="-1" face="Arial, Helvetica, sans-serif">DISPOSITION OF APPLICATIONS FOR MORTGAGE INSURANCE, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 2010 (FOR PROPERTY NOT LOCATED IN MSA/MDS WHERE INSTITUTION HAS HOME OR BRANCH OFFICES) (DISCLOSURE DATA ONLY) </font></TD> </TR> <TR> <TD valign="top"><font size="-1" face="Arial, Helvetica, sans-serif">SUMMARY TABLE A1W</font></TD> <TD colspan="2"><font size="-1" face="Arial, Helvetica, sans-serif">DISPOSITION OF APPLICATIONS FOR MORTGAGE INSURANCE BY LOAN TYPE, 1- TO 4-FAMILY DWELLINGS (EXCLUDES MANUFACTURED HOMES), 2010 (REFLECTS INSTITUTION'S TOTAL ACTIVITY NATIONWIDE) (DISCLOSURE DATA ONLY)</font></TD> </TR> <TR> <TD valign="top"><font size="-1" face="Arial, Helvetica, sans-serif">SUMMARY TABLE A2W</font></TD> <TD colspan="2"><font size="-1" face="Arial, Helvetica, sans-serif">DISPOSITION OF APPLICATIONS FOR MORTGAGE INSURANCE BY LOAN TYPE, MANUFACTURED HOMES, 2010 (REFLECTS INSTITUTION'S TOTAL ACTIVITY NATIONWIDE) (DISCLOSURE DATA ONLY)</font></TD> </TR> <TR> <TD valign="top"><font size="-1" face="Arial, Helvetica, sans-serif"> IRS REPORT </font></TD> <TD colspan="2"><font size="-1" face="Arial, Helvetica, sans-serif">INSTITUTION REGISTER SUMMARY REPORT (INCLUDES ALL DATA) (DISCLOSURE DATA ONLY) </font></TD> </TR> </TABLE> <!-- #EndEditable --> </td> </tr> </table> </td> </tr> </table> <table cellpadding="0" cellspacing="0" border="0"> <tr> <td width="147" height="15" bgcolor="#336699" valign="bottom"> <img alt="" border=0 src="images/spacer.gif"> </td> <td width="5" height="15" bgcolor="#ffffff" valign="bottom"> <img alt="" border=0 src="images/frame_curve.gif"></td> <td width="475" height="15" bgcolor="#ffffff" valign="bottom"> <img alt="" border=0 src="images/spacer.gif"> </td> </tr> <tr> <td width="147" height="15" bgcolor="#336699"><img alt="" border=0 src="images/spacer.gif"></td> <td width="5" height="15" bgcolor="#336699"><img alt="" border=0 src="images/spacer.gif"></td> <td width="475" height="15" bgcolor="#336699"><img alt="" border=0 src="images/spacer.gif"></td> </tr> </table> </body> <!-- #EndTemplate --></html>