Bank of Internet USA Mortgage Lending & HMDA Data, 2009
In 2009, Bank of Internet USA of San Diego, CA reported 968 mortgage applications totaling $314.0 million, down 6% from 2008. The average application was for $324,417, and applicants reported an average income of $141,601. 48% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (123), San Diego-Carlsbad-San Marcos, CA (122) and Santa Ana-Anaheim-Irvine, CA (45) (applications in parentheses).
| 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 | 968 |
| Total Mortgage Loan Application Amount | $314,036,000 |
| Average Mortgage Loan Application Amount | $324,417 |
| Highest Mortgage Loan Application Amount | $4,483,000 |
| Average Applicant Income | $141,601 |
| Highest Applicant Income | $2,532,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bank of Internet USA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles, California | 123 | $ 39,859,000 | $ 324,056 | $ 54,000 |
| San Diego, California | 122 | $ 53,157,000 | $ 435,713 | $ 209,000 |
| Orange, California | 45 | $ 18,237,000 | $ 405,266 | $ 221,000 |
| King, Washington | 22 | $ 7,323,000 | $ 332,863 | $ 127,000 |
| Alameda, California | 19 | $ 8,398,000 | $ 442,000 | $ 105,000 |
| Maricopa, Arizona | 18 | $ 4,294,000 | $ 238,555 | $ 152,000 |
| Contra Costa, California | 14 | $ 4,716,000 | $ 336,857 | $ 171,000 |
| San Francisco, California | 14 | $ 9,688,000 | $ 692,000 | $ 55,000 |
| Fairfax, Virginia | 12 | $ 4,138,000 | $ 344,833 | $ 296,000 |
| San Bernardino, California | 11 | $ 2,840,000 | $ 258,181 | $ 433,000 |
| Santa Clara, California | 11 | $ 4,802,000 | $ 436,545 | $ 76,000 |
| Riverside, California | 9 | $ 2,538,000 | $ 282,000 | $ 102,000 |
| Placer, California | 8 | $ 2,206,000 | $ 275,750 | $ 131,000 |
| San Mateo, California | 8 | $ 1,999,000 | $ 249,875 | $ 151,000 |
| Arapahoe, Colorado | 8 | $ 1,972,000 | $ 246,500 | $ 129,000 |
| Cook, Illinois | 8 | $ 2,262,000 | $ 282,750 | $ 218,000 |
| Clark, Nevada | 8 | $ 2,341,000 | $ 292,625 | $ 105,000 |
| Clackamas, Oregon | 8 | $ 3,291,000 | $ 411,375 | $ 84,000 |
| Douglas, Colorado | 7 | $ 2,496,000 | $ 356,571 | $ 172,000 |
| Fairfield, Connecticut | 7 | $ 2,070,000 | $ 295,714 | $ 125,000 |
| Pima, Arizona | 6 | $ 1,302,000 | $ 217,000 | $ 74,000 |
| Ventura, California | 6 | $ 2,179,000 | $ 363,166 | $ 110,000 |
| Boulder, Colorado | 6 | $ 1,901,000 | $ 316,833 | $ 143,000 |
| Middlesex, Massachusetts | 6 | $ 1,282,000 | $ 213,666 | $ 175,000 |
| Oakland, Michigan | 6 | $ 1,689,000 | $ 281,500 | $ 395,000 |
| Queens, New York | 6 | $ 1,526,000 | $ 254,333 | $ 90,000 |
| Salt Lake, Utah | 6 | $ 1,477,000 | $ 246,166 | $ 126,000 |
| Sonoma, California | 5 | $ 2,048,000 | $ 409,600 | $ 159,000 |
| Yolo, California | 5 | $ 1,479,000 | $ 295,800 | $ 186,000 |
| Jefferson, Colorado | 5 | $ 1,322,000 | $ 264,400 | $ 366,000 |
| Essex, New Jersey | 5 | $ 1,801,000 | $ 360,200 | $ 172,000 |
| Nassau, New York | 5 | $ 1,833,000 | $ 366,600 | $ 172,000 |
| Wake, North Carolina | 5 | $ 1,315,000 | $ 263,000 | $ 122,000 |
| Clark, Washington | 5 | $ 1,557,000 | $ 311,400 | $ 457,000 |
| Yavapai, Arizona | 4 | $ 922,000 | $ 230,500 | $ 29,000 |
| Marin, California | 4 | $ 1,563,000 | $ 390,750 | $ 462,000 |
| Sacramento, California | 4 | $ 3,107,000 | $ 776,750 | $ 76,000 |
| Santa Barbara, California | 4 | $ 1,039,000 | $ 259,750 | $ 125,000 |
| El Paso, Colorado | 4 | $ 1,219,000 | $ 304,750 | $ 120,000 |
| District of Columbia, District Of Columbia | 4 | $ 1,215,000 | $ 303,750 | $ 281,000 |
| Cobb, Georgia | 4 | $ 716,000 | $ 179,000 | $ 72,000 |
| Honolulu, Hawaii | 4 | $ 1,275,000 | $ 318,750 | $ 163,000 |
| Ada, Idaho | 4 | $ 1,091,000 | $ 272,750 | $ 95,000 |
| Douglas, Nevada | 4 | $ 1,040,000 | $ 260,000 | $ 107,000 |
| Suffolk, New York | 4 | $ 1,902,000 | $ 475,500 | $ 107,000 |
| Multnomah, Oregon | 4 | $ 1,396,000 | $ 349,000 | $ 93,000 |
| Washington, Oregon | 4 | $ 1,064,000 | $ 266,000 | $ 103,000 |
| Montgomery, Pennsylvania | 4 | $ 873,000 | $ 218,250 | $ 101,000 |
| Summit, Utah | 4 | $ 1,221,000 | $ 305,250 | $ 124,000 |
| Snohomish, Washington | 4 | $ 1,042,000 | $ 260,500 | $ 129,000 |
| Anchorage, Alaska | 3 | $ 799,000 | $ 266,333 | $ 194,000 |
| Mohave, Arizona | 3 | $ 437,000 | $ 145,666 | $ 43,000 |
| Fresno, California | 3 | $ 894,000 | $ 298,000 | $ 85,000 |
| Larimer, Colorado | 3 | $ 858,000 | $ 286,000 | $ 63,000 |
| Broward, Florida | 3 | $ 582,000 | $ 194,000 | $ 126,000 |
| Hillsborough, Florida | 3 | $ 1,563,000 | $ 521,000 | $ 29,000 |
| Miami-Dade, Florida | 3 | $ 548,000 | $ 182,666 | $ 85,000 |
| Fulton, Georgia | 3 | $ 884,000 | $ 294,666 | $ 166,000 |
| Gwinnett, Georgia | 3 | $ 276,000 | $ 92,000 | $ 62,000 |
| Will, Illinois | 3 | $ 947,000 | $ 315,666 | $ 158,000 |
| Suffolk, Massachusetts | 3 | $ 764,000 | $ 254,666 | $ 108,000 |
| Hennepin, Minnesota | 3 | $ 1,119,000 | $ 373,000 | $ 223,000 |
| Washoe, Nevada | 3 | $ 969,000 | $ 323,000 | $ 215,000 |
| Monmouth, New Jersey | 3 | $ 607,000 | $ 202,333 | $ 316,000 |
| Westchester, New York | 3 | $ 1,044,000 | $ 348,000 | $ 148,000 |
| Durham, North Carolina | 3 | $ 538,000 | $ 179,333 | $ 99,000 |
| Mecklenburg, North Carolina | 3 | $ 574,000 | $ 191,333 | $ 265,000 |
| Davis, Utah | 3 | $ 809,000 | $ 269,666 | $ 107,000 |
| Loudoun, Virginia | 3 | $ 1,113,000 | $ 371,000 | $ 84,000 |
| Kenai Peninsula, Alaska | 2 | $ 547,000 | $ 273,500 | $ 100,000 |
| Amador, California | 2 | $ 594,000 | $ 297,000 | $ 40,000 |
| Mendocino, California | 2 | $ 560,000 | $ 280,000 | $ 1,023,000 |
| San Joaquin, California | 2 | $ 650,000 | $ 325,000 | $ 121,000 |
| Santa Cruz, California | 2 | $ 751,000 | $ 375,500 | $ 299,000 |
| Stanislaus, California | 2 | $ 790,000 | $ 395,000 | $ 67,000 |
| Yuba, California | 2 | $ 245,000 | $ 122,500 | $ 44,000 |
| Denver, Colorado | 2 | $ 556,000 | $ 278,000 | $ 173,000 |
| Grand, Colorado | 2 | $ 704,000 | $ 352,000 | $ 81,000 |
| Ouray, Colorado | 2 | $ 667,000 | $ 333,500 | $ 230,000 |
| Summit, Colorado | 2 | $ 655,000 | $ 327,500 | $ 184,000 |
| Weld, Colorado | 2 | $ 625,000 | $ 312,500 | $ 173,000 |
| New Haven, Connecticut | 2 | $ 177,000 | $ 88,500 | $ 30,000 |
| Windham, Connecticut | 2 | $ 433,000 | $ 216,500 | $ 79,000 |
| Indian River, Florida | 2 | $ 430,000 | $ 215,000 | $ 951,000 |
| Orange, Florida | 2 | $ 598,000 | $ 299,000 | $ 114,000 |
| Seminole, Florida | 2 | $ 575,000 | $ 287,500 | $ 119,000 |
| DeKalb, Georgia | 2 | $ 362,000 | $ 181,000 | $ 127,000 |
| Hall, Georgia | 2 | $ 405,000 | $ 202,500 | $ 99,000 |
| Henry, Georgia | 2 | $ 228,000 | $ 114,000 | $ 33,000 |
| Houston, Georgia | 2 | $ 180,000 | $ 90,000 | $ 23,000 |
| Maui, Hawaii | 2 | $ 958,000 | $ 479,000 | $ 79,000 |
| Kootenai, Idaho | 2 | $ 524,000 | $ 262,000 | $ 107,000 |
| Warren, Kentucky | 2 | $ 875,000 | $ 437,500 | $ 232,000 |
| York, Maine | 2 | $ 511,000 | $ 255,500 | $ 106,000 |
| Montgomery, Maryland | 2 | $ 775,000 | $ 387,500 | $ 111,000 |
| Essex, Massachusetts | 2 | $ 730,000 | $ 365,000 | $ 114,000 |
| Livingston, Michigan | 2 | $ 379,000 | $ 189,500 | $ 97,000 |
| Greene, Missouri | 2 | $ 88,000 | $ 44,000 | $ 37,000 |
| Strafford, New Hampshire | 2 | $ 454,000 | $ 227,000 | $ 94,000 |
| Bergen, New Jersey | 2 | $ 561,000 | $ 280,500 | $ 95,000 |
| Burlington, New Jersey | 2 | $ 476,000 | $ 238,000 | $ 109,000 |
| Hunterdon, New Jersey | 2 | $ 735,000 | $ 367,500 | $ 187,000 |
| Middlesex, New Jersey | 2 | $ 569,000 | $ 284,500 | $ 140,000 |
| Ocean, New Jersey | 2 | $ 658,000 | $ 329,000 | $ 122,000 |
| Richmond, New York | 2 | $ 208,000 | $ 104,000 | $ 25,000 |
| Schenectady, New York | 2 | $ 278,000 | $ 139,000 | $ 120,000 |
| Carteret, North Carolina | 2 | $ 572,000 | $ 286,000 | $ 65,000 |
| Moore, North Carolina | 2 | $ 600,000 | $ 300,000 | $ 99,000 |
| Cuyahoga, Ohio | 2 | $ 205,000 | $ 102,500 | $ 82,000 |
| Marion, Oregon | 2 | $ 447,000 | $ 223,500 | $ 133,000 |
| Bucks, Pennsylvania | 2 | $ 681,000 | $ 340,500 | $ 147,000 |
| Philadelphia, Pennsylvania | 2 | $ 170,000 | $ 85,000 | $ 41,000 |
| Shelby, Tennessee | 2 | $ 443,000 | $ 221,500 | $ 312,000 |
| Bowie, Texas | 2 | $ 48,000 | $ 24,000 | $ 0 |
| El Paso, Texas | 2 | $ 219,000 | $ 109,500 | $ 0 |
| Alexandria, Virginia | 2 | $ 453,000 | $ 226,500 | $ 142,000 |
| Arlington, Virginia | 2 | $ 737,000 | $ 368,500 | $ 207,000 |
| Norfolk, Virginia | 2 | $ 685,000 | $ 342,500 | $ 13,000 |
| Spotsylvania, Virginia | 2 | $ 386,000 | $ 193,000 | $ 597,000 |
| Virginia Beach, Virginia | 2 | $ 328,000 | $ 164,000 | $ 41,000 |
| Washington, Virginia | 2 | $ 834,000 | $ 417,000 | $ 76,000 |
| Pierce, Washington | 2 | $ 5,094,000 | $ 2,547,000 | $ 0 |
| Whatcom, Washington | 2 | $ 635,000 | $ 317,500 | $ 110,000 |
| Autauga, Alabama | 1 | $ 130,000 | $ 130,000 | $ 93,000 |
| Baldwin, Alabama | 1 | $ 228,000 | $ 228,000 | $ 97,000 |
| Lee, Alabama | 1 | $ 41,000 | $ 41,000 | $ 0 |
| Mobile, Alabama | 1 | $ 59,000 | $ 59,000 | $ 24,000 |
| Cochise, Arizona | 1 | $ 320,000 | $ 320,000 | $ 104,000 |
| Pulaski, Arkansas | 1 | $ 95,000 | $ 95,000 | $ 64,000 |
| Butte, California | 1 | $ 200,000 | $ 200,000 | $ 95,000 |
| Lake, California | 1 | $ 168,000 | $ 168,000 | $ 78,000 |
| Merced, California | 1 | $ 496,000 | $ 496,000 | $ 0 |
| Monterey, California | 1 | $ 172,000 | $ 172,000 | $ 0 |
| San Luis Obispo, California | 1 | $ 382,000 | $ 382,000 | $ 90,000 |
| Solano, California | 1 | $ 212,000 | $ 212,000 | $ 74,000 |
| Tehama, California | 1 | $ 390,000 | $ 390,000 | $ 58,000 |
| Trinity, California | 1 | $ 92,000 | $ 92,000 | $ 0 |
| Adams, Colorado | 1 | $ 355,000 | $ 355,000 | $ 100,000 |
| Broomfield, Colorado | 1 | $ 234,000 | $ 234,000 | $ 153,000 |
| Elbert, Colorado | 1 | $ 249,000 | $ 249,000 | $ 94,000 |
| La Plata, Colorado | 1 | $ 340,000 | $ 340,000 | $ 133,000 |
| Logan, Colorado | 1 | $ 291,000 | $ 291,000 | $ 0 |
| Pueblo, Colorado | 1 | $ 142,000 | $ 142,000 | $ 60,000 |
| Litchfield, Connecticut | 1 | $ 50,000 | $ 50,000 | $ 66,000 |
| New London, Connecticut | 1 | $ 402,000 | $ 402,000 | $ 811,000 |
| Duval, Florida | 1 | $ 315,000 | $ 315,000 | $ 240,000 |
| Gilchrist, Florida | 1 | $ 57,000 | $ 57,000 | $ 0 |
| Manatee, Florida | 1 | $ 399,000 | $ 399,000 | $ 300,000 |
| Okaloosa, Florida | 1 | $ 328,000 | $ 328,000 | $ 117,000 |
| Osceola, Florida | 1 | $ 285,000 | $ 285,000 | $ 66,000 |
| Palm Beach, Florida | 1 | $ 496,000 | $ 496,000 | $ 0 |
| Polk, Florida | 1 | $ 194,000 | $ 194,000 | $ 1,284,000 |
| Sarasota, Florida | 1 | $ 135,000 | $ 135,000 | $ 205,000 |
| St. Johns, Florida | 1 | $ 417,000 | $ 417,000 | $ 157,000 |
| St. Lucie, Florida | 1 | $ 78,000 | $ 78,000 | $ 112,000 |
| Clarke, Georgia | 1 | $ 105,000 | $ 105,000 | $ 15,000 |
| Forsyth, Georgia | 1 | $ 248,000 | $ 248,000 | $ 94,000 |
| Greene, Georgia | 1 | $ 243,000 | $ 243,000 | $ 109,000 |
| Newton, Georgia | 1 | $ 165,000 | $ 165,000 | $ 420,000 |
| Richmond, Georgia | 1 | $ 29,000 | $ 29,000 | $ 135,000 |
| Hawaii, Hawaii | 1 | $ 40,000 | $ 40,000 | $ 67,000 |
| Bannock, Idaho | 1 | $ 2,277,000 | $ 2,277,000 | $ 0 |
| Bonner, Idaho | 1 | $ 235,000 | $ 235,000 | $ 90,000 |
| DuPage, Illinois | 1 | $ 250,000 | $ 250,000 | $ 85,000 |
| Kane, Illinois | 1 | $ 275,000 | $ 275,000 | $ 83,000 |
| Kendall, Illinois | 1 | $ 114,000 | $ 114,000 | $ 141,000 |
| McHenry, Illinois | 1 | $ 200,000 | $ 200,000 | $ 126,000 |
| Allen, Indiana | 1 | $ 780,000 | $ 780,000 | $ 0 |
| Clark, Indiana | 1 | $ 115,000 | $ 115,000 | $ 46,000 |
| Hendricks, Indiana | 1 | $ 390,000 | $ 390,000 | $ 223,000 |
| Jasper, Indiana | 1 | $ 175,000 | $ 175,000 | $ 90,000 |
| Marion, Indiana | 1 | $ 551,000 | $ 551,000 | $ 0 |
| Monroe, Indiana | 1 | $ 542,000 | $ 542,000 | $ 0 |
| Polk, Iowa | 1 | $ 104,000 | $ 104,000 | $ 71,000 |
| Russell, Kentucky | 1 | $ 240,000 | $ 240,000 | $ 58,000 |
| Cumberland, Maine | 1 | $ 278,000 | $ 278,000 | $ 78,000 |
| Barnstable, Massachusetts | 1 | $ 403,000 | $ 403,000 | $ 122,000 |
| Berkshire, Massachusetts | 1 | $ 241,000 | $ 241,000 | $ 0 |
| Bristol, Massachusetts | 1 | $ 57,000 | $ 57,000 | $ 0 |
| Chippewa, Michigan | 1 | $ 360,000 | $ 360,000 | $ 74,000 |
| Dickinson, Michigan | 1 | $ 261,000 | $ 261,000 | $ 0 |
| Genesee, Michigan | 1 | $ 220,000 | $ 220,000 | $ 71,000 |
| Ingham, Michigan | 1 | $ 616,000 | $ 616,000 | $ 0 |
| Macomb, Michigan | 1 | $ 168,000 | $ 168,000 | $ 1,126,000 |
| Mecosta, Michigan | 1 | $ 335,000 | $ 335,000 | $ 336,000 |
| Muskegon, Michigan | 1 | $ 192,000 | $ 192,000 | $ 576,000 |
| St. Joseph, Michigan | 1 | $ 178,000 | $ 178,000 | $ 0 |
| Wayne, Michigan | 1 | $ 74,000 | $ 74,000 | $ 39,000 |
| Anoka, Minnesota | 1 | $ 128,000 | $ 128,000 | $ 33,000 |
| Brown, Minnesota | 1 | $ 100,000 | $ 100,000 | $ 60,000 |
| Carver, Minnesota | 1 | $ 181,000 | $ 181,000 | $ 195,000 |
| Mille Lacs, Minnesota | 1 | $ 265,000 | $ 265,000 | $ 98,000 |
| Ramsey, Minnesota | 1 | $ 390,000 | $ 390,000 | $ 250,000 |
| Redwood, Minnesota | 1 | $ 100,000 | $ 100,000 | $ 61,000 |
| Jackson, Mississippi | 1 | $ 229,000 | $ 229,000 | $ 145,000 |
| Clay, Missouri | 1 | $ 151,000 | $ 151,000 | $ 161,000 |
| Franklin, Missouri | 1 | $ 30,000 | $ 30,000 | $ 0 |
| Lincoln, Missouri | 1 | $ 100,000 | $ 100,000 | $ 64,000 |
| Platte, Missouri | 1 | $ 183,000 | $ 183,000 | $ 90,000 |
| St. Charles, Missouri | 1 | $ 42,000 | $ 42,000 | $ 0 |
| Cascade, Montana | 1 | $ 72,000 | $ 72,000 | $ 0 |
| Hillsborough, New Hampshire | 1 | $ 738,000 | $ 738,000 | $ 0 |
| Rockingham, New Hampshire | 1 | $ 275,000 | $ 275,000 | $ 60,000 |
| Camden, New Jersey | 1 | $ 79,000 | $ 79,000 | $ 0 |
| Hudson, New Jersey | 1 | $ 276,000 | $ 276,000 | $ 0 |
| Mercer, New Jersey | 1 | $ 354,000 | $ 354,000 | $ 178,000 |
| Morris, New Jersey | 1 | $ 328,000 | $ 328,000 | $ 166,000 |
| Somerset, New Jersey | 1 | $ 383,000 | $ 383,000 | $ 32,000 |
| Warren, New Jersey | 1 | $ 330,000 | $ 330,000 | $ 88,000 |
| Bernalillo, New Mexico | 1 | $ 225,000 | $ 225,000 | $ 67,000 |
| Lincoln, New Mexico | 1 | $ 117,000 | $ 117,000 | $ 68,000 |
| Sandoval, New Mexico | 1 | $ 104,000 | $ 104,000 | $ 127,000 |
| Santa Fe, New Mexico | 1 | $ 417,000 | $ 417,000 | $ 77,000 |
| Taos, New Mexico | 1 | $ 250,000 | $ 250,000 | $ 50,000 |
| Valencia, New Mexico | 1 | $ 202,000 | $ 202,000 | $ 56,000 |
| Albany, New York | 1 | $ 120,000 | $ 120,000 | $ 152,000 |
| Broome, New York | 1 | $ 22,000 | $ 22,000 | $ 0 |
| Essex, New York | 1 | $ 130,000 | $ 130,000 | $ 31,000 |
| Jefferson, New York | 1 | $ 343,000 | $ 343,000 | $ 0 |
| Monroe, New York | 1 | $ 271,000 | $ 271,000 | $ 0 |
| Onondaga, New York | 1 | $ 294,000 | $ 294,000 | $ 0 |
| Saratoga, New York | 1 | $ 243,000 | $ 243,000 | $ 147,000 |
| Steuben, New York | 1 | $ 149,000 | $ 149,000 | $ 53,000 |
| Avery, North Carolina | 1 | $ 142,000 | $ 142,000 | $ 52,000 |
| Brunswick, North Carolina | 1 | $ 290,000 | $ 290,000 | $ 162,000 |
| Buncombe, North Carolina | 1 | $ 100,000 | $ 100,000 | $ 38,000 |
| Caldwell, North Carolina | 1 | $ 100,000 | $ 100,000 | $ 65,000 |
| Cumberland, North Carolina | 1 | $ 359,000 | $ 359,000 | $ 167,000 |
| Guilford, North Carolina | 1 | $ 374,000 | $ 374,000 | $ 230,000 |
| Henderson, North Carolina | 1 | $ 100,000 | $ 100,000 | $ 88,000 |
| Lincoln, North Carolina | 1 | $ 389,000 | $ 389,000 | $ 300,000 |
| Nash, North Carolina | 1 | $ 306,000 | $ 306,000 | $ 235,000 |
| Orange, North Carolina | 1 | $ 355,000 | $ 355,000 | $ 123,000 |
| Rockingham, North Carolina | 1 | $ 100,000 | $ 100,000 | $ 39,000 |
| Union, North Carolina | 1 | $ 223,000 | $ 223,000 | $ 102,000 |
| Wayne, North Carolina | 1 | $ 116,000 | $ 116,000 | $ 59,000 |
| Clark, Ohio | 1 | $ 100,000 | $ 100,000 | $ 60,000 |
| Columbiana, Ohio | 1 | $ 134,000 | $ 134,000 | $ 52,000 |
| Delaware, Ohio | 1 | $ 298,000 | $ 298,000 | $ 120,000 |
| Fairfield, Ohio | 1 | $ 245,000 | $ 245,000 | $ 74,000 |
| Franklin, Ohio | 1 | $ 180,000 | $ 180,000 | $ 37,000 |
| Hamilton, Ohio | 1 | $ 274,000 | $ 274,000 | $ 206,000 |
| Licking, Ohio | 1 | $ 171,000 | $ 171,000 | $ 130,000 |
| Montgomery, Ohio | 1 | $ 417,000 | $ 417,000 | $ 154,000 |
| Richland, Ohio | 1 | $ 100,000 | $ 100,000 | $ 26,000 |
| Warren, Ohio | 1 | $ 360,000 | $ 360,000 | $ 125,000 |
| Benton, Oregon | 1 | $ 130,000 | $ 130,000 | $ 48,000 |
| Clatsop, Oregon | 1 | $ 160,000 | $ 160,000 | $ 52,000 |
| Coos, Oregon | 1 | $ 340,000 | $ 340,000 | $ 54,000 |
| Curry, Oregon | 1 | $ 409,000 | $ 409,000 | $ 59,000 |
| Deschutes, Oregon | 1 | $ 298,000 | $ 298,000 | $ 126,000 |
| Klamath, Oregon | 1 | $ 562,000 | $ 562,000 | $ 0 |
| Lane, Oregon | 1 | $ 125,000 | $ 125,000 | $ 93,000 |
| Allegheny, Pennsylvania | 1 | $ 100,000 | $ 100,000 | $ 240,000 |
| Delaware, Pennsylvania | 1 | $ 83,000 | $ 83,000 | $ 0 |
| Lancaster, Pennsylvania | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Lawrence, Pennsylvania | 1 | $ 318,000 | $ 318,000 | $ 176,000 |
| Luzerne, Pennsylvania | 1 | $ 57,000 | $ 57,000 | $ 0 |
| Washington, Pennsylvania | 1 | $ 169,000 | $ 169,000 | $ 164,000 |
| Kent, Rhode Island | 1 | $ 236,000 | $ 236,000 | $ 195,000 |
| Beaufort, South Carolina | 1 | $ 250,000 | $ 250,000 | $ 100,000 |
| Berkeley, South Carolina | 1 | $ 205,000 | $ 205,000 | $ 180,000 |
| Charleston, South Carolina | 1 | $ 253,000 | $ 253,000 | $ 244,000 |
| Dorchester, South Carolina | 1 | $ 303,000 | $ 303,000 | $ 126,000 |
| Greenville, South Carolina | 1 | $ 270,000 | $ 270,000 | $ 142,000 |
| Richland, South Carolina | 1 | $ 284,000 | $ 284,000 | $ 84,000 |
| York, South Carolina | 1 | $ 148,000 | $ 148,000 | $ 52,000 |
| Knox, Tennessee | 1 | $ 74,000 | $ 74,000 | $ 0 |
| Maury, Tennessee | 1 | $ 20,000 | $ 20,000 | $ 92,000 |
| Bexar, Texas | 1 | $ 109,000 | $ 109,000 | $ 0 |
| Brazos, Texas | 1 | $ 44,000 | $ 44,000 | $ 0 |
| Coryell, Texas | 1 | $ 37,000 | $ 37,000 | $ 0 |
| Fort Bend, Texas | 1 | $ 64,000 | $ 64,000 | $ 0 |
| Grayson, Texas | 1 | $ 57,000 | $ 57,000 | $ 0 |
| Harris, Texas | 1 | $ 110,000 | $ 110,000 | $ 37,000 |
| Lamar, Texas | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Limestone, Texas | 1 | $ 72,000 | $ 72,000 | $ 0 |
| Tarrant, Texas | 1 | $ 2,579,000 | $ 2,579,000 | $ 0 |
| Travis, Texas | 1 | $ 73,000 | $ 73,000 | $ 0 |
| Box Elder, Utah | 1 | $ 81,000 | $ 81,000 | $ 0 |
| Iron, Utah | 1 | $ 230,000 | $ 230,000 | $ 60,000 |
| Weber, Utah | 1 | $ 265,000 | $ 265,000 | $ 44,000 |
| Chesterfield, Virginia | 1 | $ 331,000 | $ 331,000 | $ 150,000 |
| Fauquier, Virginia | 1 | $ 347,000 | $ 347,000 | $ 175,000 |
| Franklin, Virginia | 1 | $ 294,000 | $ 294,000 | $ 116,000 |
| Greensville, Virginia | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Hampton, Virginia | 1 | $ 123,000 | $ 123,000 | $ 0 |
| Mecklenburg, Virginia | 1 | $ 74,000 | $ 74,000 | $ 0 |
| Orange, Virginia | 1 | $ 100,000 | $ 100,000 | $ 110,000 |
| Prince William, Virginia | 1 | $ 285,000 | $ 285,000 | $ 277,000 |
| Stafford, Virginia | 1 | $ 279,000 | $ 279,000 | $ 125,000 |
| Chelan, Washington | 1 | $ 325,000 | $ 325,000 | $ 68,000 |
| Thurston, Washington | 1 | $ 397,000 | $ 397,000 | $ 189,000 |
| Walla Walla, Washington | 1 | $ 417,000 | $ 417,000 | $ 55,000 |
| Berkeley, West Virginia | 1 | $ 260,000 | $ 260,000 | $ 222,000 |
| Jackson, West Virginia | 1 | $ 188,000 | $ 188,000 | $ 153,000 |
| Kanawha, West Virginia | 1 | $ 105,000 | $ 105,000 | $ 60,000 |
| Kenosha, Wisconsin | 1 | $ 108,000 | $ 108,000 | $ 88,000 |
| Milwaukee, Wisconsin | 1 | $ 273,000 | $ 273,000 | $ 124,000 |
| Rock, Wisconsin | 1 | $ 128,000 | $ 128,000 | $ 23,000 |
| St. Croix, Wisconsin | 1 | $ 369,000 | $ 369,000 | $ 109,000 |
| Waukesha, Wisconsin | 1 | $ 371,000 | $ 371,000 | $ 178,000 |
| Laramie, Wyoming | 1 | $ 80,000 | $ 80,000 | $ 123,000 |
Mortgage Loan Application Detail Totals for Bank of Internet USA in 2009
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 | 920 | $293,913,000 | $319,000 | $4,483,000 | $140,000 | $2,532,000 |
| Home Improvement | 25 | $4,745,000 | $189,000 | $450,000 | $133,000 | $292,000 |
| Home Purchase | 23 | $15,378,000 | $668,000 | $2,300,000 | $215,000 | $806,000 |
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 | 539 | $163,907,000 | $304,000 | $2,972,000 | $170,000 | $2,005,000 |
| Not Provided | 181 | $56,556,000 | $312,000 | $2,300,000 | $197,000 | $2,532,000 |
| Not applicable | 177 | $72,046,000 | $407,000 | $4,483,000 | $0 | $66,000 |
| Asian | 37 | $11,951,000 | $323,000 | $660,000 | $133,000 | $335,000 |
| Hispanic | 22 | $6,874,000 | $312,000 | $528,000 | $160,000 | $609,000 |
| Black or African American | 7 | $1,333,000 | $190,000 | $525,000 | $161,000 | $504,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $853,000 | $284,000 | $344,000 | $180,000 | $319,000 |
| American Indian or Alaskan Native | 2 | $516,000 | $258,000 | $416,000 | $83,000 | $141,000 |
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) | 968 | $314,036,000 | $324,000 | $4,483,000 | $142,000 | $2,532,000 |
| 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 | 463 | $145,462,000 | $314,000 | $2,972,000 | $172,000 | $2,005,000 |
| Loan Purchased By The Institution | 175 | $71,456,000 | $408,000 | $4,483,000 | $0 | $0 |
| Application Denied By Financial Institution | 168 | $49,629,000 | $295,000 | $730,000 | $145,000 | $1,848,000 |
| Application Withdrawn By Applicant | 124 | $38,005,000 | $306,000 | $1,750,000 | $208,000 | $2,532,000 |
| File Closed For Incompleteness | 38 | $9,484,000 | $249,000 | $730,000 | $201,000 | $1,140,000 |
| Application Approved But Not Accepted | 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 | 71 | $20,953,000 | $295,000 | $660,000 | $198,000 | $1,848,000 |
| Debt-To-Income Ratio | 46 | $14,772,000 | $321,000 | $730,000 | $77,000 | $445,000 |
| Credit History | 19 | $4,220,000 | $222,000 | $525,000 | $141,000 | $1,126,000 |
| Collateral | 12 | $3,423,000 | $285,000 | $417,000 | $186,000 | $340,000 |
| Credit Application Incomplete | 6 | $2,147,000 | $357,000 | $555,000 | $130,000 | $197,000 |
| Unverifiable Information | 6 | $1,907,000 | $317,000 | $417,000 | $110,000 | $186,000 |
| Employment History | 6 | $1,433,000 | $238,000 | $383,000 | $61,000 | $98,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $774,000 | $387,000 | $534,000 | $71,000 | $85,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank of Internet USA's 2009 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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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