Bank Of Internet Usa
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Bank Of Internet Usa 2003 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 | Bank Of Internet Usa 12777 High Bluff Drive, Suite 100 San Diego, CA 92130 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 | 835 |
| Total Mortgage Loan Application Amount | $303,765,000 |
| Average Mortgage Loan Application Amount | $285,774 |
| Highest Mortgage Loan Application Amount | $2,979,000 |
| Average Applicant Income | $70,435 |
| Highest Applicant Income | $714,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Bank Of Internet Usa. 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 Bank Of Internet Usa's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Bank Of Internet Usa'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 Bank Of Internet Usa serves its applicants.
Each category highlights the total number of mortgage applications processed by Bank Of Internet Usa, 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 Bank Of Internet Usa's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| San Diego County California | 118 | $ 40,471,000 | $ 342,000 | $ 104,000 |
| Los Angeles County California | 112 | $ 65,891,000 | $ 588,000 | $ 63,000 |
| Orange County California | 90 | $ 33,106,000 | $ 367,000 | $ 109,000 |
| Riverside County California | 27 | $ 9,416,000 | $ 348,000 | $ 102,000 |
| Maricopa County Arizona | 24 | $ 10,720,000 | $ 446,000 | $ 53,000 |
| King County Washington | 22 | $ 8,239,000 | $ 374,000 | $ 75,000 |
| Clark County Nevada | 21 | $ 3,227,000 | $ 153,000 | $ 73,000 |
| Santa Clara County California | 17 | $ 7,521,000 | $ 442,000 | $ 137,000 |
| Middlesex County Massachusetts | 14 | $ 3,395,000 | $ 242,000 | $ 133,000 |
| Alameda County California | 13 | $ 5,583,000 | $ 429,000 | $ 112,000 |
| San Bernardino County California | 13 | $ 3,902,000 | $ 300,000 | $ 122,000 |
| Fairfax County Virginia | 13 | $ 2,720,000 | $ 209,000 | $ 114,000 |
| Snohomish County Washington | 11 | $ 3,384,000 | $ 307,000 | $ 48,000 |
| Marin County California | 10 | $ 6,362,000 | $ 636,000 | $ 62,000 |
| Somerset County New Jersey | 10 | $ 2,853,000 | $ 285,000 | $ 115,000 |
| Denver County Colorado | 9 | $ 9,047,000 | $ 1,005,000 | $ 0 |
| Contra Costa County California | 8 | $ 3,116,000 | $ 389,000 | $ 102,000 |
| San Mateo County California | 8 | $ 3,048,000 | $ 381,000 | $ 51,000 |
| Pima County Arizona | 7 | $ 1,206,000 | $ 172,000 | $ 121,000 |
| San Francisco County California | 7 | $ 2,410,000 | $ 344,000 | $ 65,000 |
| Dallas County Texas | 7 | $ 2,830,000 | $ 404,000 | $ 90,000 |
| Sonoma County California | 6 | $ 2,431,000 | $ 405,000 | $ 21,000 |
| Cook County Illinois | 6 | $ 3,176,000 | $ 529,000 | $ 104,000 |
| Bristol County Massachusetts | 6 | $ 1,219,000 | $ 203,000 | $ 121,000 |
| Morris County New Jersey | 6 | $ 1,606,000 | $ 267,000 | $ 104,000 |
| Wake County North Carolina | 6 | $ 1,105,000 | $ 184,000 | $ 113,000 |
| Multnomah County Oregon | 6 | $ 2,641,000 | $ 440,000 | $ 16,000 |
| Washington County Oregon | 6 | $ 3,385,000 | $ 564,000 | $ 49,000 |
| Clark County Washington | 6 | $ 2,619,000 | $ 436,000 | $ 85,000 |
| Jefferson County Colorado | 5 | $ 981,000 | $ 196,000 | $ 40,000 |
| Bergen County New Jersey | 5 | $ 807,000 | $ 161,000 | $ 83,000 |
| Napa County California | 4 | $ 2,181,000 | $ 545,000 | $ 45,000 |
| Hillsborough County New Hampshire | 4 | $ 715,000 | $ 178,000 | $ 70,000 |
| Middlesex County New Jersey | 4 | $ 946,000 | $ 236,000 | $ 90,000 |
| Berks County Pennsylvania | 4 | $ 673,000 | $ 168,000 | $ 101,000 |
| Pierce County Washington | 4 | $ 927,000 | $ 231,000 | $ 115,000 |
| Fresno County California | 3 | $ 1,454,000 | $ 484,000 | $ 97,000 |
| Monterey County California | 3 | $ 1,101,000 | $ 367,000 | $ 81,000 |
| Placer County California | 3 | $ 848,000 | $ 282,000 | $ 110,000 |
| Sacramento County California | 3 | $ 819,000 | $ 273,000 | $ 48,000 |
| Santa Cruz County California | 3 | $ 1,118,000 | $ 372,000 | $ 98,000 |
| Ventura County California | 3 | $ 836,000 | $ 278,000 | $ 118,000 |
| Arapahoe County Colorado | 3 | $ 4,740,000 | $ 1,580,000 | $ 0 |
| Boulder County Colorado | 3 | $ 1,249,000 | $ 416,000 | $ 38,000 |
| Miami-Dade County Florida | 3 | $ 2,135,000 | $ 711,000 | $ 0 |
| Norfolk County Massachusetts | 3 | $ 978,000 | $ 326,000 | $ 92,000 |
| Worcester County Massachusetts | 3 | $ 701,000 | $ 233,000 | $ 160,000 |
| Washoe County Nevada | 3 | $ 194,000 | $ 64,000 | $ 54,000 |
| Essex County New Jersey | 3 | $ 891,000 | $ 297,000 | $ 262,000 |
| Gloucester County New Jersey | 3 | $ 454,000 | $ 151,000 | $ 163,000 |
| Ocean County New Jersey | 3 | $ 400,000 | $ 133,000 | $ 85,000 |
| Kings County New York | 3 | $ 591,000 | $ 197,000 | $ 70,000 |
| Lane County Oregon | 3 | $ 688,000 | $ 229,000 | $ 18,000 |
| Montgomery County Pennsylvania | 3 | $ 556,000 | $ 185,000 | $ 90,000 |
| Salt Lake County Utah | 3 | $ 1,215,000 | $ 405,000 | $ 37,000 |
| Kitsap County Washington | 3 | $ 671,000 | $ 223,000 | $ 139,000 |
| Coconino County Arizona | 2 | $ 186,000 | $ 93,000 | $ 116,000 |
| Yavapai County Arizona | 2 | $ 236,000 | $ 118,000 | $ 35,000 |
| Kern County California | 2 | $ 228,000 | $ 114,000 | $ 105,000 |
| San Joaquin County California | 2 | $ 328,000 | $ 164,000 | $ 98,000 |
| Yolo County California | 2 | $ 232,000 | $ 116,000 | $ 54,000 |
| Adams County Colorado | 2 | $ 804,000 | $ 402,000 | $ 55,000 |
| Fairfield County Connecticut | 2 | $ 616,000 | $ 308,000 | $ 228,000 |
| Hartford County Connecticut | 2 | $ 400,000 | $ 200,000 | $ 113,000 |
| Maui County Hawaii | 2 | $ 375,000 | $ 187,000 | $ 42,000 |
| DuPage County Illinois | 2 | $ 289,000 | $ 144,000 | $ 69,000 |
| East Baton Rouge County Louisiana | 2 | $ 150,000 | $ 75,000 | $ 40,000 |
| Montgomery County Maryland | 2 | $ 459,000 | $ 229,000 | $ 103,000 |
| Essex County Massachusetts | 2 | $ 439,000 | $ 219,000 | $ 56,000 |
| Plymouth County Massachusetts | 2 | $ 658,000 | $ 329,000 | $ 85,000 |
| Macomb County Michigan | 2 | $ 714,000 | $ 357,000 | $ 23,000 |
| Burlington County New Jersey | 2 | $ 519,000 | $ 259,000 | $ 144,000 |
| Monmouth County New Jersey | 2 | $ 405,000 | $ 202,000 | $ 97,000 |
| Union County New Jersey | 2 | $ 490,000 | $ 245,000 | $ 126,000 |
| Queens County New York | 2 | $ 201,000 | $ 100,000 | $ 91,000 |
| Richmond County New York | 2 | $ 246,000 | $ 123,000 | $ 91,000 |
| Hanover County Virginia | 2 | $ 290,000 | $ 145,000 | $ 78,000 |
| Spotsylvania County Virginia | 2 | $ 531,000 | $ 265,000 | $ 198,000 |
| Whatcom County Washington | 2 | $ 1,230,000 | $ 615,000 | $ 0 |
| Baldwin County Alabama | 1 | $ 119,000 | $ 119,000 | $ 75,000 |
| Mohave County Arizona | 1 | $ 304,000 | $ 304,000 | $ 147,000 |
| El Dorado County California | 1 | $ 150,000 | $ 150,000 | $ 124,000 |
| Mariposa County California | 1 | $ 60,000 | $ 60,000 | $ 26,000 |
| San Luis Obispo County California | 1 | $ 217,000 | $ 217,000 | $ 63,000 |
| Santa Barbara County California | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Shasta County California | 1 | $ 119,000 | $ 119,000 | $ 67,000 |
| Middlesex County Connecticut | 1 | $ 256,000 | $ 256,000 | $ 70,000 |
| New Haven County Connecticut | 1 | $ 180,000 | $ 180,000 | $ 99,000 |
| New London County Connecticut | 1 | $ 118,000 | $ 118,000 | $ 62,000 |
| District of Columbia County District Of Columbia | 1 | $ 127,000 | $ 127,000 | $ 70,000 |
| Alachua County Florida | 1 | $ 92,000 | $ 92,000 | $ 46,000 |
| Broward County Florida | 1 | $ 1,660,000 | $ 1,660,000 | $ 0 |
| Hillsborough County Florida | 1 | $ 148,000 | $ 148,000 | $ 116,000 |
| Pinellas County Florida | 1 | $ 123,000 | $ 123,000 | $ 206,000 |
| St. Lucie County Florida | 1 | $ 81,000 | $ 81,000 | $ 63,000 |
| Henry County Georgia | 1 | $ 258,000 | $ 258,000 | $ 128,000 |
| Hawaii County Hawaii | 1 | $ 133,000 | $ 133,000 | $ 108,000 |
| Honolulu County Hawaii | 1 | $ 282,000 | $ 282,000 | $ 148,000 |
| Bonneville County Idaho | 1 | $ 50,000 | $ 50,000 | $ 22,000 |
| Kane County Illinois | 1 | $ 150,000 | $ 150,000 | $ 66,000 |
| Lake County Illinois | 1 | $ 195,000 | $ 195,000 | $ 135,000 |
| Ogle County Illinois | 1 | $ 116,000 | $ 116,000 | $ 91,000 |
| St. Clair County Illinois | 1 | $ 167,000 | $ 167,000 | $ 62,000 |
| Winnebago County Illinois | 1 | $ 109,000 | $ 109,000 | $ 41,000 |
| Cumberland County Maine | 1 | $ 168,000 | $ 168,000 | $ 113,000 |
| Anne Arundel County Maryland | 1 | $ 228,000 | $ 228,000 | $ 164,000 |
| Charles County Maryland | 1 | $ 244,000 | $ 244,000 | $ 142,000 |
| Howard County Maryland | 1 | $ 148,000 | $ 148,000 | $ 94,000 |
| Barnstable County Massachusetts | 1 | $ 225,000 | $ 225,000 | $ 108,000 |
| Franklin County Massachusetts | 1 | $ 293,000 | $ 293,000 | $ 45,000 |
| Hampden County Massachusetts | 1 | $ 130,000 | $ 130,000 | $ 67,000 |
| Hampshire County Massachusetts | 1 | $ 260,000 | $ 260,000 | $ 85,000 |
| Gladwin County Michigan | 1 | $ 81,000 | $ 81,000 | $ 46,000 |
| Oakland County Michigan | 1 | $ 247,000 | $ 247,000 | $ 78,000 |
| Wayne County Michigan | 1 | $ 73,000 | $ 73,000 | $ 38,000 |
| Meeker County Minnesota | 1 | $ 240,000 | $ 240,000 | $ 34,000 |
| Camden County New Jersey | 1 | $ 150,000 | $ 150,000 | $ 85,000 |
| Hudson County New Jersey | 1 | $ 193,000 | $ 193,000 | $ 236,000 |
| Passaic County New Jersey | 1 | $ 165,000 | $ 165,000 | $ 65,000 |
| Warren County New Jersey | 1 | $ 270,000 | $ 270,000 | $ 63,000 |
| Bernalillo County New Mexico | 1 | $ 108,000 | $ 108,000 | $ 93,000 |
| Nassau County New York | 1 | $ 245,000 | $ 245,000 | $ 47,000 |
| Suffolk County New York | 1 | $ 158,000 | $ 158,000 | $ 139,000 |
| Westchester County New York | 1 | $ 425,000 | $ 425,000 | $ 100,000 |
| Currituck County North Carolina | 1 | $ 236,000 | $ 236,000 | $ 186,000 |
| Mecklenburg County North Carolina | 1 | $ 113,000 | $ 113,000 | $ 54,000 |
| Nash County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 45,000 |
| Butler County Ohio | 1 | $ 1,200,000 | $ 1,200,000 | $ 0 |
| Hamilton County Ohio | 1 | $ 120,000 | $ 120,000 | $ 27,000 |
| Benton County Oregon | 1 | $ 106,000 | $ 106,000 | $ 0 |
| Deschutes County Oregon | 1 | $ 185,000 | $ 185,000 | $ 73,000 |
| Marion County Oregon | 1 | $ 362,000 | $ 362,000 | $ 0 |
| Cumberland County Pennsylvania | 1 | $ 160,000 | $ 160,000 | $ 113,000 |
| Providence County Rhode Island | 1 | $ 101,000 | $ 101,000 | $ 75,000 |
| Carroll County Tennessee | 1 | $ 68,000 | $ 68,000 | $ 39,000 |
| Knox County Tennessee | 1 | $ 96,000 | $ 96,000 | $ 97,000 |
| Maury County Tennessee | 1 | $ 58,000 | $ 58,000 | $ 33,000 |
| Sumner County Tennessee | 1 | $ 97,000 | $ 97,000 | $ 78,000 |
| Bexar County Texas | 1 | $ 103,000 | $ 103,000 | $ 158,000 |
| Collin County Texas | 1 | $ 194,000 | $ 194,000 | $ 104,000 |
| Comal County Texas | 1 | $ 88,000 | $ 88,000 | $ 52,000 |
| Denton County Texas | 1 | $ 242,000 | $ 242,000 | $ 60,000 |
| Galveston County Texas | 1 | $ 125,000 | $ 125,000 | $ 86,000 |
| Harris County Texas | 1 | $ 90,000 | $ 90,000 | $ 65,000 |
| Hays County Texas | 1 | $ 108,000 | $ 108,000 | $ 100,000 |
| Montgomery County Texas | 1 | $ 605,000 | $ 605,000 | $ 413,000 |
| Rockwall County Texas | 1 | $ 160,000 | $ 160,000 | $ 103,000 |
| Tarrant County Texas | 1 | $ 68,000 | $ 68,000 | $ 94,000 |
| Travis County Texas | 1 | $ 155,000 | $ 155,000 | $ 71,000 |
| Williamson County Texas | 1 | $ 57,000 | $ 57,000 | $ 44,000 |
| Washington County Utah | 1 | $ 212,000 | $ 212,000 | $ 60,000 |
| Caledonia County Vermont | 1 | $ 41,000 | $ 41,000 | $ 72,000 |
| Arlington County Virginia | 1 | $ 322,000 | $ 322,000 | $ 138,000 |
| Chesterfield County Virginia | 1 | $ 100,000 | $ 100,000 | $ 77,000 |
| Fauquier County Virginia | 1 | $ 242,000 | $ 242,000 | $ 152,000 |
| Pittsylvania County Virginia | 1 | $ 231,000 | $ 231,000 | $ 167,000 |
| Poquoson County Virginia | 1 | $ 140,000 | $ 140,000 | $ 85,000 |
| Virginia Beach County Virginia | 1 | $ 105,000 | $ 105,000 | $ 98,000 |
| Washington County Virginia | 1 | $ 192,000 | $ 192,000 | $ 94,000 |
| Benton County Washington | 1 | $ 178,000 | $ 178,000 | $ 119,000 |
| Chelan County Washington | 1 | $ 45,000 | $ 45,000 | $ 12,000 |
| Grays Harbor County Washington | 1 | $ 100,000 | $ 100,000 | $ 35,000 |
| Thurston County Washington | 1 | $ 176,000 | $ 176,000 | $ 80,000 |
| Wood County West Virginia | 1 | $ 161,000 | $ 161,000 | $ 98,000 |
| Dane County Wisconsin | 1 | $ 390,000 | $ 390,000 | $ 62,000 |
| Forest County Wisconsin | 1 | $ 79,000 | $ 79,000 | $ 21,000 |
| Milwaukee County Wisconsin | 1 | $ 133,000 | $ 133,000 | $ 92,000 |
| Pierce County Wisconsin | 1 | $ 90,000 | $ 90,000 | $ 73,000 |
Mortgage Loan Application Detail Totals for Bank Of Internet Usa in 2003
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 (home purchase or home improvement, one-to-four family) | 590 | $149,172,000 | $167,718 | $994,000 | $86,906 | $714,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 180 | $139,083,000 | $767,000 | $2,979,000 | $0 | $0 |
| Home Purchase (one-to-four family) | 64 | $15,360,000 | $176,294 | $900,000 | $88,529 | $550,000 |
| Home Improvement (one-to-four family) | 1 | $150,000 | $150,000 | $150,000 | $81,000 | $81,000 |
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 | 370 | $94,305,000 | $167,000 | $1,700,000 | $85,258 | $714,000 |
| Information not provided by applicant in mail or telephone application | 190 | $49,105,000 | $247,166 | $1,600,000 | $87,625 | $320,000 |
| Not applicable | 175 | $131,292,000 | $746,000 | $2,979,000 | $0 | $0 |
| Asian or Pacific Islander | 59 | $18,414,000 | $226,846 | $1,970,000 | $92,000 | $537,000 |
| Hispanic | 20 | $5,014,000 | $261,285 | $490,000 | $85,000 | $357,000 |
| Other | 13 | $4,047,000 | $250,800 | $985,000 | $81,800 | $563,000 |
| Black | 6 | $1,241,000 | $204,000 | $268,000 | $115,000 | $145,000 |
| American Indian or Alaskan Native | 2 | $347,000 | $173,500 | $270,000 | $115,500 | $168,000 |
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) | 835 | $303,765,000 | $255,833 | $2,979,000 | $75,527 | $714,000 |
| 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 | 559 | $163,382,000 | $206,093 | $2,600,000 | $88,218 | $714,000 |
| Loan Purchased By The Institution | 139 | $103,416,000 | $745,545 | $2,979,000 | $4,454 | $537,000 |
| Application Denied By Financial Institution | 67 | $17,589,000 | $175,470 | $1,200,000 | $70,117 | $424,000 |
| Application Withdrawn By Applicant | 59 | $16,792,000 | $184,785 | $2,000,000 | $96,000 | $550,000 |
| File Closed For Incompleteness | 11 | $2,586,000 | $244,166 | $1,100,000 | $88,333 | $209,000 |
| Application Approved But Not Accepted | 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 | 30 | $8,875,000 | $191,307 | $1,200,000 | $109,846 | $394,000 |
| Debt-To-Income Ratio | 19 | $4,955,000 | $228,333 | $596,000 | $44,500 | $119,000 |
| Credit History | 8 | $1,497,000 | $176,428 | $355,000 | $69,000 | $123,000 |
| Other | 4 | $725,000 | $174,000 | $245,000 | $76,666 | $122,000 |
| Unverifiable Information | 3 | $827,000 | $275,000 | $322,000 | $166,000 | $424,000 |
| Employment History | 2 | $333,000 | $166,500 | $198,000 | $25,000 | $50,000 |
| Credit Application Incomplete | 1 | $377,000 | $377,000 | $377,000 | $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 Bank Of Internet Usa's 2003 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 Bank Of Internet Usa'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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