Arlington Capital Mortgage Mortgage Lending & HMDA Data, 2007
In 2007, Arlington Capital Mortgage of Bensalem, PA reported 6,303 mortgage applications totaling $1.8 billion, down 13% from 2006. The average application was for $288,163, and applicants reported an average income of $61,926. 43% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Philadelphia, PA (1,669), Edison, NJ (550) and Lancaster, PA (485) (applications in parentheses).
| Mortgage Company & Address | Arlington Capital Mortgage 3260 Tillman Drive, Suite 90 Bensalem, PA 19020 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 6,303 |
| Total Mortgage Loan Application Amount | $1,816,293,000 |
| Average Mortgage Loan Application Amount | $288,163 |
| Highest Mortgage Loan Application Amount | $14,000,000 |
| Average Applicant Income | $61,926 |
| Highest Applicant Income | $6,986,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Arlington Capital Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Philadelphia, PA | 1,669 | $ 467,233,000 | $ 279,947 | $ 72,000 |
| Edison, NJ | 550 | $ 205,522,000 | $ 373,676 | $ 88,000 |
| Lancaster, PA | 485 | $ 79,499,000 | $ 163,915 | $ 39,000 |
| Camden, NJ | 314 | $ 67,246,000 | $ 214,159 | $ 65,000 |
| Trenton-Ewing, NJ | 225 | $ 89,923,000 | $ 399,657 | $ 133,000 |
| New York-White Plains-Wayne, NY-NJ | 202 | $ 117,199,000 | $ 580,193 | $ 151,772 |
| Newark-Union, NJ-PA | 159 | $ 57,075,000 | $ 358,962 | $ 79,735 |
| Ocean City, NJ | 101 | $ 66,773,000 | $ 661,118 | $ 183,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 82 | $ 26,983,000 | $ 329,060 | $ 70,219 |
| Erie, PA | 71 | $ 6,782,000 | $ 95,521 | $ 22,000 |
| Atlantic City, NJ | 61 | $ 22,281,000 | $ 365,262 | $ 178,000 |
| Baltimore-Towson, MD | 60 | $ 15,960,000 | $ 266,000 | $ 160,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 53 | $ 10,769,000 | $ 203,188 | $ 75,924 |
| Wilmington, DE-MD-NJ | 45 | $ 10,901,000 | $ 242,244 | $ 19,466 |
| Nassau-Suffolk, NY | 29 | $ 19,101,000 | $ 658,655 | $ 87,000 |
| Pittsburgh, PA | 27 | $ 4,246,000 | $ 157,259 | $ 51,000 |
| Reading, PA | 27 | $ 4,994,000 | $ 184,962 | $ 49,000 |
| Los Angeles-Long Beach-Glendale, CA | 23 | $ 8,974,000 | $ 390,173 | $ 21,000 |
| Vineland-Millville-Bridgeton, NJ | 22 | $ 3,521,000 | $ 160,045 | $ 20,000 |
| Boston-Quincy, MA | 21 | $ 8,763,000 | $ 417,285 | $ 28,000 |
| York-Hanover, PA | 21 | $ 2,743,000 | $ 130,619 | $ 30,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 18 | $ 3,477,000 | $ 193,166 | $ 32,000 |
| Altoona, PA | 17 | $ 2,079,000 | $ 122,294 | $ 31,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 16 | $ 8,409,000 | $ 525,562 | $ 125,000 |
| Tampa-St. Petersburg-Clearwater, FL | 16 | $ 8,150,000 | $ 509,375 | $ 40,000 |
| Lebanon, PA | 15 | $ 3,073,000 | $ 204,866 | $ 32,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 14 | $ 10,679,000 | $ 762,785 | $ 278,000 |
| San Diego-Carlsbad-San Marcos, CA | 13 | $ 5,677,000 | $ 436,692 | $ 150,000 |
| Bridgeport-Stamford-Norwalk, CT | 12 | $ 6,683,000 | $ 556,916 | $ 124,000 |
| Harrisburg-Carlisle, PA | 12 | $ 2,664,000 | $ 222,000 | $ 65,000 |
| Peabody, MA | 11 | $ 5,000,000 | $ 454,545 | $ 99,000 |
| Richmond, VA | 11 | $ 2,141,000 | $ 194,636 | $ 57,000 |
| Riverside-San Bernardino-Ontario, CA | 11 | $ 2,972,000 | $ 270,181 | $ 37,000 |
| Scranton--Wilkes-Barre, PA | 11 | $ 2,048,000 | $ 186,181 | $ 440,000 |
| Worcester, MA | 11 | $ 2,958,000 | $ 268,909 | $ 27,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 10 | $ 2,735,000 | $ 273,500 | $ 20,000 |
| Albany-Schenectady-Troy, NY | 9 | $ 1,394,000 | $ 154,888 | $ 0 |
| Cape Coral-Fort Myers, FL | 9 | $ 2,739,000 | $ 304,333 | $ 84,000 |
| Hartford-West Hartford-East Hartford, CT | 9 | $ 2,172,000 | $ 241,333 | $ 90,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 9 | $ 2,543,000 | $ 282,555 | $ 0 |
| Atlanta-Sandy Springs-Marietta, GA | 8 | $ 3,502,000 | $ 437,750 | $ 192,000 |
| Charlotte-Gastonia-Concord, NC-SC | 8 | $ 2,301,000 | $ 287,625 | $ 74,000 |
| Bethesda-Gaithersburg-Frederick, MD | 7 | $ 2,324,000 | $ 332,000 | $ 26,000 |
| Miami-Miami Beach-Kendall, FL | 7 | $ 6,086,000 | $ 869,428 | $ 0 |
| Orlando-Kissimmee, FL | 7 | $ 3,455,000 | $ 493,571 | $ 65,000 |
| Springfield, MA | 7 | $ 1,289,000 | $ 184,142 | $ 14,000 |
| Johnstown, PA | 6 | $ 539,000 | $ 89,833 | $ 49,000 |
| Naples-Marco Island, FL | 6 | $ 2,148,000 | $ 358,000 | $ 137,000 |
| Santa Ana-Anaheim-Irvine, CA | 6 | $ 7,233,000 | $ 1,205,500 | $ 541,000 |
| Cambridge-Newton-Framingham, MA | 5 | $ 1,730,000 | $ 346,000 | $ 68,000 |
| Pittsfield, MA | 5 | $ 593,000 | $ 118,600 | $ 0 |
| Raleigh-Cary, NC | 5 | $ 1,138,000 | $ 227,600 | $ 44,000 |
| Sarasota-Bradenton-Venice, FL | 5 | $ 2,911,000 | $ 582,200 | $ 0 |
| Dover, DE | 4 | $ 720,000 | $ 180,000 | $ 22,000 |
| New Haven-Milford, CT | 4 | $ 1,460,000 | $ 365,000 | $ 99,000 |
| Port St. Lucie, FL | 4 | $ 1,491,000 | $ 372,750 | $ 165,000 |
| Providence-New Bedford-Fall River, RI-MA | 4 | $ 680,000 | $ 170,000 | $ 29,000 |
| Rochester, NY | 4 | $ 768,000 | $ 192,000 | $ 59,000 |
| San Francisco-San Mateo-Redwood City, CA | 4 | $ 4,151,000 | $ 1,037,750 | $ 90,000 |
| Asheville, NC | 3 | $ 1,020,000 | $ 340,000 | $ 126,000 |
| Buffalo-Niagara Falls, NY | 3 | $ 314,000 | $ 104,666 | $ 12,000 |
| Glens Falls, NY | 3 | $ 702,000 | $ 234,000 | $ 70,000 |
| Ithaca, NY | 3 | $ 410,000 | $ 136,666 | $ 82,000 |
| Jacksonville, FL | 3 | $ 487,000 | $ 162,333 | $ 0 |
| Modesto, CA | 3 | $ 898,000 | $ 299,333 | $ 113,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 632,000 | $ 210,666 | $ 19,000 |
| Sebastian-Vero Beach, FL | 3 | $ 1,090,000 | $ 363,333 | $ 152,000 |
| Utica-Rome, NY | 3 | $ 356,000 | $ 118,666 | $ 25,000 |
| Williamsport, PA | 3 | $ 284,000 | $ 94,666 | $ 0 |
| Bakersfield, CA | 2 | $ 505,000 | $ 252,500 | $ 0 |
| Barnstable Town, MA | 2 | $ 1,960,000 | $ 980,000 | $ 37,000 |
| Durham, NC | 2 | $ 677,000 | $ 338,500 | $ 56,000 |
| Greensboro-High Point, NC | 2 | $ 380,000 | $ 190,000 | $ 50,000 |
| Punta Gorda, FL | 2 | $ 939,000 | $ 469,500 | $ 0 |
| Rocky Mount, NC | 2 | $ 540,000 | $ 270,000 | $ 70,000 |
| Santa Rosa-Petaluma, CA | 2 | $ 840,000 | $ 420,000 | $ 0 |
| State College, PA | 2 | $ 453,000 | $ 226,500 | $ 42,000 |
| Syracuse, NY | 2 | $ 185,000 | $ 92,500 | $ 45,000 |
| Athens-Clarke County, GA | 1 | $ 100,000 | $ 100,000 | $ 68,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 177,000 | $ 177,000 | $ 62,000 |
| Charlottesville, VA | 1 | $ 102,000 | $ 102,000 | $ 55,000 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 1,250,000 | $ 1,250,000 | $ 0 |
| Gainesville, FL | 1 | $ 166,000 | $ 166,000 | $ 56,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Kingston, NY | 1 | $ 206,000 | $ 206,000 | $ 0 |
| Las Vegas-Paradise, NV | 1 | $ 417,000 | $ 417,000 | $ 0 |
| Lynchburg, VA | 1 | $ 40,000 | $ 40,000 | $ 0 |
| Oakland-Fremont-Hayward, CA | 1 | $ 527,000 | $ 527,000 | $ 0 |
| Panama City-Lynn Haven, FL | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 147,000 | $ 147,000 | $ 80,000 |
| Roanoke, VA | 1 | $ 167,000 | $ 167,000 | $ 45,000 |
| Salisbury, MD | 1 | $ 169,000 | $ 169,000 | $ 32,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 250,000 | $ 250,000 | $ 0 |
| San Luis Obispo-Paso Robles, CA | 1 | $ 320,000 | $ 320,000 | $ 0 |
| Santa Barbara-Santa Maria-Goleta, CA | 1 | $ 493,000 | $ 493,000 | $ 0 |
| Stockton, CA | 1 | $ 369,000 | $ 369,000 | $ 147,000 |
| Tallahassee, FL | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Wilmington, NC | 1 | $ 850,000 | $ 850,000 | $ 0 |
| Winston-Salem, NC | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 94,000 | $ 94,000 | $ 0 |
Mortgage Loan Application Detail Totals for Arlington Capital Mortgage in 2007
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 4,212 | $1,104,914,000 | $262,000 | $5,000,000 | $54,000 | $6,986,000 |
| Refinancing | 2,083 | $710,301,000 | $340,000 | $14,000,000 | $78,000 | $5,750,000 |
| Home Improvement | 8 | $1,078,000 | $134,000 | $630,000 | $50,000 | $350,000 |
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 | 4,627 | $1,387,568,000 | $299,000 | $6,800,000 | $67,000 | $5,750,000 |
| Not Provided | 731 | $222,977,000 | $305,000 | $14,000,000 | $73,000 | $6,986,000 |
| Black or African American | 435 | $86,505,000 | $198,000 | $3,165,000 | $26,000 | $850,000 |
| Hispanic | 317 | $67,753,000 | $213,000 | $2,373,000 | $25,000 | $780,000 |
| Asian | 159 | $42,122,000 | $264,000 | $1,000,000 | $38,000 | $791,000 |
| American Indian or Alaskan Native | 27 | $8,164,000 | $302,000 | $2,224,000 | $50,000 | $900,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $1,204,000 | $172,000 | $240,000 | $19,000 | $51,000 |
| 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) | 5,807 | $1,730,435,000 | $297,000 | $14,000,000 | $66,000 | $6,986,000 |
| FHA-insured (Federal Housing Administration) | 460 | $77,886,000 | $169,000 | $533,000 | $20,000 | $120,000 |
| VA-guaranteed (Veterans Administration) | 36 | $7,972,000 | $221,000 | $417,000 | $20,000 | $91,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 2,972 | $855,819,000 | $287,000 | $14,000,000 | $3,000 | $700,000 |
| Loan Originated | 2,700 | $817,872,000 | $302,000 | $4,370,000 | $141,000 | $6,986,000 |
| Preapproval Denied by Financial Institution | 338 | $60,207,000 | $178,000 | $1,065,000 | $0 | $59,000 |
| Application Denied By Financial Institution | 288 | $80,433,000 | $279,000 | $6,800,000 | $2,000 | $200,000 |
| Preapproval Approved but not Accepted | 5 | $1,962,000 | $392,000 | $600,000 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 Application Incomplete | 103 | $32,245,000 | $313,000 | $6,800,000 | $2,000 | $200,000 |
| Other | 58 | $16,954,000 | $292,000 | $2,500,000 | $2,000 | $90,000 |
| Credit History | 49 | $9,387,000 | $191,000 | $1,500,000 | $0 | $46,000 |
| Debt-To-Income Ratio | 34 | $7,379,000 | $217,000 | $528,000 | $6,000 | $128,000 |
| Employment History | 5 | $1,316,000 | $263,000 | $359,000 | $0 | $0 |
| Unverifiable Information | 4 | $1,329,000 | $332,000 | $450,000 | $0 | $0 |
| Collateral | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Arlington Capital Mortgage's 2007 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 Arlington Capital 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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