All State Home Mortgage Mortgage Lending & HMDA Data, 2008
In 2008, All State Home Mortgage of Euclid, OH reported 676 mortgage applications totaling $118.3 million, down 6% from 2007. The average application was for $175,025, and applicants reported an average income of $66,454. 89% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Cleveland-Elyria-Mentor, OH (86), Atlanta-Sandy Springs-Marietta, GA (63) and Baltimore-Towson, MD (40) (applications in parentheses).
| Mortgage Company & Address | All State Home Mortgage 26250 Euclid Ave #901 Euclid, OH 44132 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2008 2007 2006 2005 |
| Total Number of Mortgage Applications | 676 |
| Total Mortgage Loan Application Amount | $118,317,000 |
| Average Mortgage Loan Application Amount | $175,025 |
| Highest Mortgage Loan Application Amount | $440,000 |
| Average Applicant Income | $66,454 |
| Highest Applicant Income | $323,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records All State Home Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cleveland-Elyria-Mentor, OH | 86 | $ 10,992,000 | $ 127,813 | $ 68,000 |
| Atlanta-Sandy Springs-Marietta, GA | 63 | $ 10,985,000 | $ 174,365 | $ 63,000 |
| Baltimore-Towson, MD | 40 | $ 7,937,000 | $ 198,425 | $ 64,000 |
| Philadelphia, PA | 30 | $ 6,740,000 | $ 224,666 | $ 76,000 |
| Richmond, VA | 27 | $ 5,141,000 | $ 190,407 | $ 68,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 27 | $ 6,569,000 | $ 243,296 | $ 85,777 |
| Columbia, SC | 20 | $ 3,355,000 | $ 167,750 | $ 60,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 20 | $ 4,459,000 | $ 222,950 | $ 68,000 |
| Harrisburg-Carlisle, PA | 18 | $ 3,254,000 | $ 180,777 | $ 84,000 |
| Pittsburgh, PA | 17 | $ 2,550,000 | $ 150,000 | $ 70,000 |
| Charleston-North Charleston-Summerville, SC | 13 | $ 2,391,000 | $ 183,923 | $ 62,000 |
| Greenville-Mauldin-Easley, SC | 12 | $ 2,161,000 | $ 180,083 | $ 61,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 12 | $ 1,964,000 | $ 163,666 | $ 65,000 |
| Youngstown-Warren-Boardman, OH-PA | 10 | $ 1,386,000 | $ 138,600 | $ 64,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 8 | $ 1,380,000 | $ 172,500 | $ 55,000 |
| Spartanburg, SC | 7 | $ 1,213,000 | $ 173,285 | $ 72,000 |
| York-Hanover, PA | 7 | $ 1,399,000 | $ 199,857 | $ 81,000 |
| Augusta-Richmond County, GA-SC | 6 | $ 1,145,000 | $ 190,833 | $ 98,000 |
| Reading, PA | 6 | $ 1,029,000 | $ 171,500 | $ 61,000 |
| Akron, OH | 5 | $ 762,000 | $ 152,400 | $ 61,000 |
| Dover, DE | 5 | $ 807,000 | $ 161,400 | $ 60,000 |
| Gainesville, GA | 5 | $ 766,000 | $ 153,200 | $ 54,000 |
| Memphis, TN-MS-AR | 5 | $ 1,188,000 | $ 237,600 | $ 158,000 |
| Morristown, TN | 5 | $ 855,000 | $ 171,000 | $ 48,000 |
| Wilmington, DE-MD-NJ | 5 | $ 1,051,000 | $ 210,200 | $ 63,200 |
| Florence, SC | 4 | $ 686,000 | $ 171,500 | $ 61,000 |
| Kingsport-Bristol-Bristol, TN-VA | 4 | $ 529,000 | $ 132,250 | $ 48,500 |
| Knoxville, TN | 4 | $ 667,000 | $ 166,750 | $ 55,000 |
| Lancaster, PA | 4 | $ 796,000 | $ 199,000 | $ 61,000 |
| Lynchburg, VA | 4 | $ 672,000 | $ 168,000 | $ 63,000 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 1,118,000 | $ 279,500 | $ 113,000 |
| Savannah, GA | 4 | $ 672,000 | $ 168,000 | $ 65,000 |
| Scranton--Wilkes-Barre, PA | 4 | $ 745,000 | $ 186,250 | $ 56,000 |
| Albuquerque, NM | 3 | $ 527,000 | $ 175,666 | $ 68,000 |
| Anderson, SC | 3 | $ 506,000 | $ 168,666 | $ 105,000 |
| Athens-Clarke County, GA | 3 | $ 413,000 | $ 137,666 | $ 40,000 |
| Chattanooga, TN-GA | 3 | $ 377,000 | $ 125,666 | $ 46,333 |
| Clarksville, TN-KY | 3 | $ 414,000 | $ 138,000 | $ 57,000 |
| Columbus, GA-AL | 3 | $ 334,000 | $ 111,333 | $ 44,000 |
| Hinesville-Fort Stewart, GA | 3 | $ 325,000 | $ 108,333 | $ 47,000 |
| Lebanon, PA | 3 | $ 489,000 | $ 163,000 | $ 65,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3 | $ 658,000 | $ 219,333 | $ 75,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 3 | $ 448,000 | $ 149,333 | $ 38,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 484,000 | $ 161,333 | $ 64,000 |
| Salisbury, MD | 3 | $ 576,000 | $ 192,000 | $ 59,000 |
| Bethesda-Frederick-Gaithersburg, MD | 2 | $ 374,000 | $ 187,000 | $ 61,000 |
| Canton-Massillon, OH | 2 | $ 238,000 | $ 119,000 | $ 50,000 |
| Corvallis, OR | 2 | $ 388,000 | $ 194,000 | $ 49,000 |
| Detroit-Livonia-Dearborn, MI | 2 | $ 133,000 | $ 66,500 | $ 49,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 458,000 | $ 229,000 | $ 73,000 |
| Gainesville, FL | 2 | $ 418,000 | $ 209,000 | $ 49,000 |
| Grand Rapids-Wyoming, MI | 2 | $ 310,000 | $ 155,000 | $ 56,000 |
| Jackson, TN | 2 | $ 290,000 | $ 145,000 | $ 37,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 692,000 | $ 346,000 | $ 117,000 |
| Rome, GA | 2 | $ 308,000 | $ 154,000 | $ 62,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 289,000 | $ 144,500 | $ 47,000 |
| Winchester, VA-WV | 2 | $ 535,000 | $ 267,500 | $ 106,000 |
| Albany, GA | 1 | $ 170,000 | $ 170,000 | $ 97,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 145,000 | $ 145,000 | $ 55,000 |
| Brunswick, GA | 1 | $ 188,000 | $ 188,000 | $ 63,000 |
| Cleveland, TN | 1 | $ 183,000 | $ 183,000 | $ 89,000 |
| Columbus, OH | 1 | $ 209,000 | $ 209,000 | $ 62,000 |
| Cumberland, MD-WV | 1 | $ 140,000 | $ 140,000 | $ 29,000 |
| Dalton, GA | 1 | $ 150,000 | $ 150,000 | $ 44,000 |
| Erie, PA | 1 | $ 169,000 | $ 169,000 | $ 61,000 |
| Fargo, ND-MN | 1 | $ 155,000 | $ 155,000 | $ 40,000 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 134,000 | $ 134,000 | $ 70,000 |
| Jackson, MI | 1 | $ 87,000 | $ 87,000 | $ 85,000 |
| Jacksonville, FL | 1 | $ 207,000 | $ 207,000 | $ 67,000 |
| Johnson City, TN | 1 | $ 163,000 | $ 163,000 | $ 79,000 |
| Kalamazoo-Portage, MI | 1 | $ 263,000 | $ 263,000 | $ 79,000 |
| Lansing-East Lansing, MI | 1 | $ 93,000 | $ 93,000 | $ 78,000 |
| Lima, OH | 1 | $ 61,000 | $ 61,000 | $ 57,000 |
| Louisville-Jefferson County, KY-IN | 1 | $ 151,000 | $ 151,000 | $ 31,000 |
| Macon, GA | 1 | $ 267,000 | $ 267,000 | $ 130,000 |
| Muskegon-Norton Shores, MI | 1 | $ 150,000 | $ 150,000 | $ 48,000 |
| Naples-Marco Island, FL | 1 | $ 111,000 | $ 111,000 | $ 59,000 |
| Newark-Union, NJ-PA | 1 | $ 280,000 | $ 280,000 | $ 60,000 |
| Orlando-Kissimmee, FL | 1 | $ 60,000 | $ 60,000 | $ 35,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 248,000 | $ 248,000 | $ 61,000 |
| Panama City-Lynn Haven, FL | 1 | $ 174,000 | $ 174,000 | $ 65,000 |
| Portland-Vancouver-Beaverton, OR-WA | 1 | $ 227,000 | $ 227,000 | $ 89,000 |
| Roanoke, VA | 1 | $ 153,000 | $ 153,000 | $ 39,000 |
| Rochester, MN | 1 | $ 164,000 | $ 164,000 | $ 90,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1 | $ 417,000 | $ 417,000 | $ 93,000 |
| Salem, OR | 1 | $ 260,000 | $ 260,000 | $ 77,000 |
| Sebastian-Vero Beach, FL | 1 | $ 216,000 | $ 216,000 | $ 49,000 |
| Tallahassee, FL | 1 | $ 199,000 | $ 199,000 | $ 63,000 |
| Toledo, OH | 1 | $ 121,000 | $ 121,000 | $ 87,000 |
| Valdosta, GA | 1 | $ 111,000 | $ 111,000 | $ 38,000 |
| Warner Robins, GA | 1 | $ 193,000 | $ 193,000 | $ 74,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 148,000 | $ 148,000 | $ 82,000 |
| Weirton-Steubenville, WV-OH | 1 | $ 129,000 | $ 129,000 | $ 41,000 |
| Williamsport, PA | 1 | $ 130,000 | $ 130,000 | $ 36,000 |
Mortgage Loan Application Detail Totals for All State Home Mortgage in 2008
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 | 581 | $105,844,000 | $182,000 | $440,000 | $68,000 | $323,000 |
| Home Purchase | 95 | $12,473,000 | $131,000 | $335,000 | $57,000 | $297,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 375 | $67,855,000 | $180,000 | $440,000 | $71,000 | $323,000 |
| Black or African American | 201 | $32,825,000 | $163,000 | $424,000 | $59,000 | $201,000 |
| Not Provided | 78 | $14,216,000 | $182,000 | $399,000 | $71,000 | $278,000 |
| Hispanic | 16 | $2,740,000 | $171,000 | $335,000 | $53,000 | $101,000 |
| Asian | 5 | $566,000 | $113,000 | $182,000 | $41,000 | $49,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $115,000 | $115,000 | $115,000 | $30,000 | $30,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 510 | $89,065,000 | $174,000 | $440,000 | $63,000 | $297,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 163 | $28,847,000 | $176,000 | $417,000 | $78,000 | $323,000 |
| VA-guaranteed (Veterans Administration) | 3 | $405,000 | $135,000 | $153,000 | $62,000 | $77,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Loan Originated | 600 | $105,784,000 | $176,000 | $440,000 | $67,000 | $323,000 |
| Application Withdrawn By Applicant | 61 | $10,025,000 | $164,000 | $404,000 | $60,000 | $121,000 |
| Application Denied By Financial Institution | 13 | $2,167,000 | $166,000 | $275,000 | $64,000 | $112,000 |
| Application Approved But Not Accepted | 2 | $341,000 | $170,000 | $211,000 | $74,000 | $119,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 10 | $1,733,000 | $173,000 | $275,000 | $62,000 | $90,000 |
| Debt-To-Income Ratio | 2 | $275,000 | $137,000 | $154,000 | $86,000 | $112,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into All State Home Mortgage's 2008 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 State Home 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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