All Fund Mortgage Mortgage Lending & HMDA Data, 2006

In 2006, All Fund Mortgage of Tacoma, WA reported 1,885 mortgage applications totaling $347.9 million, down 12% from 2005. The average application was for $184,577, and applicants reported an average income of $86,915. 22% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Richmond, VA (97), Essex County, MA (55) and Baltimore-Towson, MD (50) (applications in parentheses).

Mortgage Company & Address All Fund Mortgage
8808 Pacific Ave.
Tacoma, WA 98444
Tel #: available with data download
Federal Regulator * available with data download
Years 2006  2005  2004  2003  
Total Number of Mortgage Applications 1,885
Total Mortgage Loan Application Amount $347,928,000
Average Mortgage Loan Application Amount $184,577
Highest Mortgage Loan Application Amount $1,470,000
Average Applicant Income $86,915
Highest Applicant Income $1,920,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records All Fund Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for All Fund Mortgage by Metropolitan Area in 2006

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
Richmond, VA 97 $ 16,010,000 $ 165,051 $ 75,000
Essex County, MA 55 $ 14,600,000 $ 265,454 $ 89,000
Baltimore-Towson, MD 50 $ 7,117,000 $ 142,340 $ 72,000
Atlanta-Sandy Springs-Marietta, GA 49 $ 9,731,000 $ 198,591 $ 98,000
Nashville-Davidson--Murfreesboro, TN 49 $ 6,637,000 $ 135,448 $ 89,000
Rochester, NY 47 $ 5,023,000 $ 106,872 $ 54,000
Tacoma, WA 47 $ 9,642,000 $ 205,148 $ 89,000
Washington-Arlington-Alexandria, DC-VA-MD-WV 43 $ 10,020,000 $ 233,023 $ 80,441
Birmingham-Hoover, AL 41 $ 5,237,000 $ 127,731 $ 41,000
Warren-Troy-Farmington Hills, MI 41 $ 9,005,000 $ 219,634 $ 157,000
Phoenix-Mesa-Scottsdale, AZ 39 $ 9,003,000 $ 230,846 $ 118,000
Detroit-Livonia-Dearborn, MI 38 $ 4,408,000 $ 116,000 $ 46,000
Los Angeles-Long Beach-Glendale, CA 37 $ 11,695,000 $ 316,081 $ 121,000
Rockingham County-Strafford County, NH 37 $ 8,592,000 $ 232,216 $ 83,000
Seattle-Bellevue-Everett, WA 37 $ 10,341,000 $ 279,486 $ 120,000
Charleston-North Charleston, SC 35 $ 4,170,000 $ 119,142 $ 47,000
Houston-Sugar Land-Baytown, TX 34 $ 4,156,000 $ 122,235 $ 120,000
Riverside-San Bernardino-Ontario, CA 34 $ 7,958,000 $ 234,058 $ 145,000
Boston-Quincy, MA 30 $ 8,268,000 $ 275,600 $ 104,000
San Diego-Carlsbad-San Marcos, CA 29 $ 9,365,000 $ 322,931 $ 110,000
Baton Rouge, LA 28 $ 3,543,000 $ 126,535 $ 52,000
Manchester-Nashua, NH 28 $ 6,039,000 $ 215,678 $ 68,000
Cambridge-Newton-Framingham, MA 27 $ 7,520,000 $ 278,518 $ 111,000
Bethesda-Gaithersburg-Frederick, MD 23 $ 6,252,000 $ 271,826 $ 165,000
Albuquerque, NM 22 $ 2,927,000 $ 133,045 $ 54,000
Columbus, GA-AL 18 $ 1,678,000 $ 93,222 $ 37,555
Dallas-Plano-Irving, TX 18 $ 2,505,000 $ 139,166 $ 103,000
Sacramento--Arden-Arcade--Roseville, CA 17 $ 5,038,000 $ 296,352 $ 95,000
Virginia Beach-Norfolk-Newport News, VA-NC 16 $ 2,496,000 $ 156,000 $ 66,000
Kansas City, MO-KS 15 $ 1,902,000 $ 126,800 $ 78,266
Sarasota-Bradenton-Venice, FL 14 $ 2,464,000 $ 176,000 $ 57,000
Bakersfield, CA 13 $ 1,906,000 $ 146,615 $ 73,000
Chicago-Naperville-Joliet, IL 13 $ 1,801,000 $ 138,538 $ 58,000
Cleveland-Elyria-Mentor, OH 13 $ 3,041,000 $ 233,923 $ 146,000
Indianapolis-Carmel, IN 12 $ 1,828,000 $ 152,333 $ 57,000
Tampa-St. Petersburg-Clearwater, FL 12 $ 2,072,000 $ 172,666 $ 74,000
Albany-Schenectady-Troy, NY 11 $ 1,468,000 $ 133,454 $ 68,000
Oakland-Fremont-Hayward, CA 11 $ 4,061,000 $ 369,181 $ 168,000
St. Louis, MO-IL 11 $ 1,185,000 $ 107,727 $ 43,000
Louisville-Jefferson County, KY-IN 10 $ 1,234,000 $ 123,400 $ 48,400
Miami-Miami Beach-Kendall, FL 10 $ 2,387,000 $ 238,700 $ 130,000
New Haven-Milford, CT 10 $ 1,611,000 $ 161,100 $ 102,000
New Orleans-Metairie-Kenner, LA 10 $ 879,000 $ 87,900 $ 47,000
Akron, OH 9 $ 965,000 $ 107,222 $ 114,000
Honolulu, HI 9 $ 2,866,000 $ 318,444 $ 112,000
Huntsville, AL 9 $ 785,000 $ 87,222 $ 74,000
Portland-South Portland-Biddeford, ME 9 $ 1,210,000 $ 134,444 $ 74,000
Springfield, MA 9 $ 1,646,000 $ 182,888 $ 71,000
Fort Worth-Arlington, TX 8 $ 1,443,000 $ 180,375 $ 131,000
Providence-New Bedford-Fall River, RI-MA 8 $ 1,779,000 $ 222,375 $ 102,250
Auburn-Opelika, AL 7 $ 776,000 $ 110,857 $ 41,000
Hartford-West Hartford-East Hartford, CT 7 $ 1,519,000 $ 217,000 $ 102,000
San Antonio, TX 7 $ 938,000 $ 134,000 $ 97,000
Santa Rosa-Petaluma, CA 7 $ 2,688,000 $ 384,000 $ 139,000
Stockton, CA 7 $ 2,899,000 $ 414,142 $ 89,000
Fresno, CA 6 $ 1,046,000 $ 174,333 $ 103,000
Grand Rapids-Wyoming, MI 6 $ 711,000 $ 118,500 $ 42,000
Memphis, TN-MS-AR 6 $ 620,000 $ 103,333 $ 66,666
Minneapolis-St. Paul-Bloomington, MN-WI 6 $ 1,930,000 $ 321,666 $ 253,000
Oxnard-Thousand Oaks-Ventura, CA 6 $ 2,213,000 $ 368,833 $ 75,000
Pensacola-Ferry Pass-Brent, FL 6 $ 772,000 $ 128,666 $ 47,000
Portland-Vancouver-Beaverton, OR-WA 6 $ 1,503,000 $ 250,500 $ 97,666
Wilmington, NC 6 $ 992,000 $ 165,333 $ 279,000
Worcester, MA 6 $ 1,732,000 $ 288,666 $ 68,000
Columbus, OH 5 $ 827,000 $ 165,400 $ 65,000
Fort Lauderdale-Pompano Beach-Deerfield Beach, FL 5 $ 961,000 $ 192,200 $ 80,000
Orlando-Kissimmee, FL 5 $ 1,247,000 $ 249,400 $ 103,000
Santa Fe, NM 5 $ 1,252,000 $ 250,400 $ 87,000
Cape Coral-Fort Myers, FL 4 $ 480,000 $ 120,000 $ 47,000
Denver-Aurora, CO 4 $ 776,000 $ 194,000 $ 73,000
Farmington, NM 4 $ 417,000 $ 104,250 $ 44,000
Hagerstown-Martinsburg, MD-WV 4 $ 1,280,000 $ 320,000 $ 83,000
Mount Vernon-Anacortes, WA 4 $ 1,490,000 $ 372,500 $ 556,000
Olympia, WA 4 $ 722,000 $ 180,500 $ 116,000
Philadelphia, PA 4 $ 574,000 $ 143,500 $ 59,000
Salem, OR 4 $ 703,000 $ 175,750 $ 81,000
Salisbury, MD 4 $ 649,000 $ 162,250 $ 65,000
San Francisco-San Mateo-Redwood City, CA 4 $ 2,187,000 $ 546,750 $ 165,000
West Palm Beach-Boca Raton-Boynton Beach, FL 4 $ 2,197,000 $ 549,250 $ 577,000
Battle Creek, MI 3 $ 353,000 $ 117,666 $ 67,000
Charlotte-Gastonia-Concord, NC-SC 3 $ 377,000 $ 125,666 $ 78,000
Dayton, OH 3 $ 462,000 $ 154,000 $ 61,000
Fort Walton Beach-Crestview-Destin, FL 3 $ 708,000 $ 236,000 $ 117,000
Holland-Grand Haven, MI 3 $ 381,000 $ 127,000 $ 82,000
Jackson, MI 3 $ 255,000 $ 85,000 $ 75,000
Jacksonville, FL 3 $ 636,000 $ 212,000 $ 46,000
Laredo, TX 3 $ 314,000 $ 104,666 $ 46,000
Little Rock-North Little Rock, AR 3 $ 680,000 $ 226,666 $ 151,000
Omaha-Council Bluffs, NE-IA 3 $ 535,000 $ 178,333 $ 77,666
Palm Bay-Melbourne-Titusville, FL 3 $ 390,000 $ 130,000 $ 33,000
Port St. Lucie-Fort Pierce, FL 3 $ 435,000 $ 145,000 $ 36,000
Santa Ana-Anaheim-Irvine, CA 3 $ 1,231,000 $ 410,333 $ 126,000
Tallahassee, FL 3 $ 401,000 $ 133,666 $ 63,000
Tucson, AZ 3 $ 406,000 $ 135,333 $ 89,000
Abilene, TX 2 $ 138,000 $ 69,000 $ 35,000
Ann Arbor, MI 2 $ 323,000 $ 161,500 $ 114,000
Austin-Round Rock, TX 2 $ 925,000 $ 462,500 $ 225,000
Bellingham, WA 2 $ 506,000 $ 253,000 $ 141,000
Blacksburg-Christiansburg-Radford, VA 2 $ 168,000 $ 84,000 $ 28,000
Deltona-Daytona Beach-Ormond Beach, FL 2 $ 374,000 $ 187,000 $ 96,000
El Paso, TX 2 $ 202,000 $ 101,000 $ 38,000
Eugene-Springfield, OR 2 $ 327,000 $ 163,500 $ 50,000
Fort Wayne, IN 2 $ 296,000 $ 148,000 $ 44,000
Gary, IN 2 $ 246,000 $ 123,000 $ 51,000
Greenville, NC 2 $ 132,000 $ 66,000 $ 36,000
Johnson City, TN 2 $ 180,000 $ 90,000 $ 81,000
Kennewick-Richland-Pasco, WA 2 $ 268,000 $ 134,000 $ 80,000
Kingsport-Bristol-Bristol, TN-VA 2 $ 194,000 $ 97,000 $ 64,500
Knoxville, TN 2 $ 412,000 $ 206,000 $ 51,000
Kokomo, IN 2 $ 165,000 $ 82,500 $ 56,000
Lafayette, LA 2 $ 491,000 $ 245,500 $ 28,000
Lansing-East Lansing, MI 2 $ 259,000 $ 129,500 $ 47,000
Las Cruces, NM 2 $ 296,000 $ 148,000 $ 45,000
McAllen-Edinburg-Mission, TX 2 $ 123,000 $ 61,500 $ 31,000
Modesto, CA 2 $ 303,000 $ 151,500 $ 64,000
Norwich-New London, CT 2 $ 247,000 $ 123,500 $ 39,000
Pittsburgh, PA 2 $ 273,000 $ 136,500 $ 112,000
Redding, CA 2 $ 448,000 $ 224,000 $ 64,000
Salinas, CA 2 $ 608,000 $ 304,000 $ 76,000
South Bend-Mishawaka, IN-MI 2 $ 167,000 $ 83,500 $ 60,000
Tuscaloosa, AL 2 $ 284,000 $ 142,000 $ 65,000
Valdosta, GA 2 $ 373,000 $ 186,500 $ 128,000
Vallejo-Fairfield, CA 2 $ 647,000 $ 323,500 $ 81,000
Waco, TX 2 $ 95,000 $ 47,500 $ 62,000
Wilmington, DE-MD-NJ 2 $ 442,000 $ 221,000 $ 69,000
Yakima, WA 2 $ 138,000 $ 69,000 $ 25,000
Youngstown-Warren-Boardman, OH-PA 2 $ 70,000 $ 35,000 $ 20,000
Augusta-Richmond County, GA-SC 1 $ 132,000 $ 132,000 $ 55,000
Beaumont-Port Arthur, TX 1 $ 310,000 $ 310,000 $ 70,000
Boise City-Nampa, ID 1 $ 113,000 $ 113,000 $ 53,000
Canton-Massillon, OH 1 $ 170,000 $ 170,000 $ 203,000
Cincinnati-Middletown, OH-KY-IN 1 $ 104,000 $ 104,000 $ 65,000
Colorado Springs, CO 1 $ 178,000 $ 178,000 $ 108,000
Columbia, MO 1 $ 132,000 $ 132,000 $ 44,000
Columbia, SC 1 $ 85,000 $ 85,000 $ 36,000
Corpus Christi, TX 1 $ 67,000 $ 67,000 $ 44,000
Dalton, GA 1 $ 65,000 $ 65,000 $ 106,000
Davenport-Moline-Rock Island, IA-IL 1 $ 140,000 $ 140,000 $ 40,000
Dubuque, IA 1 $ 116,000 $ 116,000 $ 13,000
El Centro, CA 1 $ 150,000 $ 150,000 $ 184,000
Elkhart-Goshen, IN 1 $ 104,000 $ 104,000 $ 46,000
Gainesville, FL 1 $ 135,000 $ 135,000 $ 56,000
Gainesville, GA 1 $ 250,000 $ 250,000 $ 211,000
Harrisburg-Carlisle, PA 1 $ 85,000 $ 85,000 $ 43,000
Harrisonburg, VA 1 $ 195,000 $ 195,000 $ 41,000
Hinesville-Fort Stewart, GA 1 $ 125,000 $ 125,000 $ 39,000
Jackson, MS 1 $ 84,000 $ 84,000 $ 37,000
Jacksonville, NC 1 $ 106,000 $ 106,000 $ 62,000
Lancaster, PA 1 $ 137,000 $ 137,000 $ 162,000
Lexington-Fayette, KY 1 $ 120,000 $ 120,000 $ 40,000
Lincoln, NE 1 $ 128,000 $ 128,000 $ 42,000
Madera, CA 1 $ 240,000 $ 240,000 $ 113,000
Medford, OR 1 $ 157,000 $ 157,000 $ 34,000
Muskegon-Norton Shores, MI 1 $ 244,000 $ 244,000 $ 119,000
Ocala, FL 1 $ 176,000 $ 176,000 $ 54,000
Oklahoma City, OK 1 $ 250,000 $ 250,000 $ 207,000
Panama City-Lynn Haven, FL 1 $ 148,000 $ 148,000 $ 70,000
Provo-Orem, UT 1 $ 176,000 $ 176,000 $ 70,000
Pueblo, CO 1 $ 106,000 $ 106,000 $ 61,000
Punta Gorda, FL 1 $ 151,000 $ 151,000 $ 48,000
Raleigh-Cary, NC 1 $ 158,000 $ 158,000 $ 68,000
Rocky Mount, NC 1 $ 143,000 $ 143,000 $ 38,000
Saginaw-Saginaw Township North, MI 1 $ 128,000 $ 128,000 $ 54,000
Shreveport-Bossier City, LA 1 $ 78,000 $ 78,000 $ 19,000
Spokane, WA 1 $ 125,000 $ 125,000 $ 42,000
Springfield, MO 1 $ 239,000 $ 239,000 $ 84,000
Springfield, OH 1 $ 56,000 $ 56,000 $ 32,000
St. Joseph, MO-KS 1 $ 77,000 $ 77,000 $ 42,000
Terre Haute, IN 1 $ 51,000 $ 51,000 $ 26,000
Visalia-Porterville, CA 1 $ 276,000 $ 276,000 $ 71,000
York-Hanover, PA 1 $ 109,000 $ 109,000 $ 59,000

Mortgage Loan Application Detail Totals for All Fund Mortgage in 2006

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Refinancing 1,513 $289,491,000 $191,000 $1,470,000 $84,000 $1,620,000
Home Purchase 366 $57,521,000 $157,000 $800,000 $99,000 $1,920,000
Home Improvement 6 $916,000 $152,000 $423,000 $85,000 $135,000

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 846 $158,320,000 $187,000 $1,470,000 $99,000 $1,920,000
Black or African American 504 $76,071,000 $150,000 $1,040,000 $63,000 $288,000
Not Provided 275 $55,560,000 $202,000 $800,000 $84,000 $780,000
Hispanic 192 $41,612,000 $216,000 $620,000 $86,000 $600,000
Asian 52 $12,992,000 $249,000 $700,000 $131,000 $307,000
Native Hawaiian or Other Pacific Islander 10 $2,387,000 $238,000 $632,000 $79,000 $159,000
American Indian or Alaskan Native 6 $986,000 $164,000 $250,000 $77,000 $114,000
Not applicable 0 $0 $0 $0 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 1,794 $334,554,000 $186,000 $1,470,000 $88,000 $1,920,000
FHA-insured (Federal Housing Administration) 83 $11,689,000 $140,000 $320,000 $51,000 $145,000
VA-guaranteed (Veterans Administration) 5 $1,137,000 $227,000 $293,000 $79,000 $138,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 3 $548,000 $182,000 $252,000 $64,000 $90,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Application Withdrawn By Applicant 1,023 $191,404,000 $187,000 $1,400,000 $86,000 $1,920,000
Loan Originated 422 $81,271,000 $192,000 $1,256,000 $103,000 $1,045,000
Application Denied By Financial Institution 335 $58,458,000 $174,000 $1,470,000 $75,000 $872,000
File Closed For Incompleteness 72 $12,312,000 $171,000 $600,000 $70,000 $420,000
Application Approved But Not Accepted 33 $4,483,000 $135,000 $333,000 $56,000 $93,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Credit History 120 $17,703,000 $147,000 $620,000 $50,000 $224,000
Debt-To-Income Ratio 35 $6,635,000 $189,000 $1,000,000 $85,000 $624,000
Other 28 $5,789,000 $206,000 $530,000 $90,000 $387,000
Collateral 17 $2,219,000 $130,000 $241,000 $61,000 $120,000
Unverifiable Information 4 $690,000 $172,000 $360,000 $70,000 $96,000
Insufficient Cash (Downpayment, Closing Cost) 2 $207,000 $103,000 $139,000 $28,000 $29,000
Mortgage Insurance Denied 2 $365,000 $182,000 $292,000 $82,000 $82,000
Credit Application Incomplete 1 $157,000 $157,000 $157,000 $108,000 $108,000
Employment History 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into All Fund Mortgage's 2006 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess All Fund Mortgage's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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