Americap Financial Inc
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Americap Financial Inc 2005 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Americap Financial Inc 614 Haddonfield Road Cherry Hill, NJ 08002 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,491 |
| Total Mortgage Loan Application Amount | $261,679,000 |
| Average Mortgage Loan Application Amount | $168,800 |
| Highest Mortgage Loan Application Amount | $881,000 |
| Average Applicant Income | $67,400 |
| Highest Applicant Income | $438,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with Americap Financial Inc. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Americap Financial Inc's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down Americap Financial Inc's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Americap Financial Inc serves its applicants.
Each category highlights the total number of mortgage applications processed by Americap Financial Inc, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Americap Financial Inc's mortgage activity for 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Ocean County New Jersey | 144 | $ 26,614,000 | $ 184,000 | $ 52,000 |
| Burlington County New Jersey | 127 | $ 20,373,000 | $ 160,000 | $ 75,000 |
| Broward County Florida | 117 | $ 21,045,000 | $ 179,000 | $ 62,000 |
| Gloucester County New Jersey | 90 | $ 10,918,000 | $ 121,000 | $ 51,000 |
| Middlesex County New Jersey | 81 | $ 16,895,000 | $ 208,000 | $ 85,000 |
| Camden County New Jersey | 76 | $ 9,914,000 | $ 130,000 | $ 58,000 |
| Palm Beach County Florida | 64 | $ 10,024,000 | $ 156,000 | $ 52,000 |
| Essex County New Jersey | 63 | $ 11,547,000 | $ 183,000 | $ 53,000 |
| Union County New Jersey | 63 | $ 11,908,000 | $ 189,000 | $ 62,000 |
| Monmouth County New Jersey | 62 | $ 12,996,000 | $ 209,000 | $ 105,000 |
| Atlantic County New Jersey | 51 | $ 8,506,000 | $ 166,000 | $ 75,000 |
| Passaic County New Jersey | 46 | $ 9,410,000 | $ 204,000 | $ 72,000 |
| Lee County Florida | 43 | $ 7,198,000 | $ 167,000 | $ 48,000 |
| Mercer County New Jersey | 42 | $ 7,019,000 | $ 167,000 | $ 66,000 |
| Hudson County New Jersey | 34 | $ 6,731,000 | $ 197,000 | $ 59,000 |
| Sussex County New Jersey | 34 | $ 6,634,000 | $ 195,000 | $ 63,000 |
| Morris County New Jersey | 30 | $ 7,336,000 | $ 244,000 | $ 85,000 |
| Bucks County Pennsylvania | 30 | $ 5,865,000 | $ 195,000 | $ 103,000 |
| Montgomery County Pennsylvania | 29 | $ 4,655,000 | $ 160,000 | $ 74,000 |
| Delaware County Pennsylvania | 28 | $ 4,471,000 | $ 159,000 | $ 69,000 |
| Cape May County New Jersey | 25 | $ 3,664,000 | $ 146,000 | $ 61,000 |
| Collier County Florida | 24 | $ 5,253,000 | $ 218,000 | $ 52,000 |
| Bergen County New Jersey | 23 | $ 5,667,000 | $ 246,000 | $ 81,000 |
| Cumberland County New Jersey | 23 | $ 2,349,000 | $ 102,000 | $ 63,000 |
| Somerset County New Jersey | 20 | $ 4,124,000 | $ 206,000 | $ 97,000 |
| Chester County Pennsylvania | 20 | $ 4,032,000 | $ 201,000 | $ 80,000 |
| Miami-Dade County Florida | 18 | $ 2,910,000 | $ 161,000 | $ 48,000 |
| Salem County New Jersey | 18 | $ 2,209,000 | $ 122,000 | $ 73,000 |
| Hunterdon County New Jersey | 11 | $ 2,440,000 | $ 221,000 | $ 129,000 |
| Warren County New Jersey | 11 | $ 2,040,000 | $ 185,000 | $ 51,000 |
| Philadelphia County Pennsylvania | 9 | $ 1,320,000 | $ 146,000 | $ 88,000 |
| Charlotte County Florida | 6 | $ 1,123,000 | $ 187,000 | $ 53,000 |
| Brevard County Florida | 4 | $ 569,000 | $ 142,000 | $ 42,000 |
| Martin County Florida | 4 | $ 650,000 | $ 162,000 | $ 52,000 |
| St. Lucie County Florida | 4 | $ 633,000 | $ 158,000 | $ 38,000 |
| New Castle County Delaware | 3 | $ 349,000 | $ 116,000 | $ 58,000 |
| Hendry County Florida | 3 | $ 469,000 | $ 156,000 | $ 63,000 |
| Manatee County Florida | 2 | $ 296,000 | $ 148,000 | $ 58,000 |
| Kent County Delaware | 1 | $ 40,000 | $ 40,000 | $ 129,000 |
| Highlands County Florida | 1 | $ 156,000 | $ 156,000 | $ 35,000 |
| Hillsborough County Florida | 1 | $ 180,000 | $ 180,000 | $ 66,000 |
| Indian River County Florida | 1 | $ 221,000 | $ 221,000 | $ 59,000 |
| Orange County Florida | 1 | $ 150,000 | $ 150,000 | $ 25,000 |
| Volusia County Florida | 1 | $ 234,000 | $ 234,000 | $ 60,000 |
| Cambria County Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 32,000 |
| Luzerne County Pennsylvania | 1 | $ 127,000 | $ 127,000 | $ 102,000 |
| York County Pennsylvania | 1 | $ 300,000 | $ 300,000 | $ 0 |
Mortgage Loan Application Detail Totals for Americap Financial Inc in 2005
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 | 1,490 | $261,456,000 | $155,250 | $881,000 | $73,500 | $438,000 |
| Home Purchase | 1 | $223,000 | $223,000 | $223,000 | $43,000 | $43,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not Provided | 1,483 | $259,722,000 | $155,000 | $881,000 | $72,750 | $438,000 |
| White | 5 | $1,240,000 | $233,000 | $443,000 | $79,500 | $173,000 |
| Hispanic | 3 | $717,000 | $239,000 | $317,000 | $105,000 | $140,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 1,491 | $261,679,000 | $155,250 | $881,000 | $73,500 | $438,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 978 | $170,494,000 | $151,750 | $680,000 | $73,000 | $438,000 |
| Application Withdrawn By Applicant | 446 | $79,290,000 | $179,666 | $881,000 | $65,333 | $328,000 |
| Application Denied By Financial Institution | 66 | $11,883,000 | $222,000 | $449,000 | $75,666 | $234,000 |
| Application Approved But Not Accepted | 1 | $12,000 | $12,000 | $12,000 | $48,000 | $48,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 23 | $4,996,000 | $250,666 | $449,000 | $77,333 | $234,000 |
| Other | 23 | $3,907,000 | $169,000 | $400,000 | $62,000 | $152,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $1,429,000 | $158,500 | $312,000 | $47,000 | $105,000 |
| Unverifiable Information | 4 | $581,000 | $145,000 | $267,000 | $47,000 | $68,000 |
| Credit History | 3 | $579,000 | $210,000 | $261,000 | $49,000 | $58,000 |
| Debt-To-Income Ratio | 2 | $100,000 | $50,000 | $50,000 | $57,500 | $65,000 |
| Employment History | 1 | $123,000 | $123,000 | $123,000 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Americap Financial Inc's 2005 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 Americap Financial Inc'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.
For a list of all lenders in New Jersey, download the full spreadsheet
with aggregated HMDA statistics today.