Bear Stearns Residential Mortg Mortgage Lending & HMDA Data, 2007

In 2007, Bear Stearns Residential Mortg of Scottsdale, AZ reported 67,908 mortgage applications totaling $18.2 billion, up 95% from 2006. The average application was for $268,318, and applicants reported an average income of $96,430. 36% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (6,333), Riverside-San Bernardino-Ontario, CA (4,489) and Washington-Arlington-Alexandria, DC-VA-MD-WV (2,707) (applications in parentheses).

Mortgage Company & Address Bear Stearns Residential Mortg
9201 E. Mountain View Rd, Ste 210
Scottsdale, AZ 85258
Tel #: available with data download
Federal Regulator * available with data download
Years 2007  2006  
Total Number of Mortgage Applications 67,908
Total Mortgage Loan Application Amount $18,220,956,000
Average Mortgage Loan Application Amount $268,318
Highest Mortgage Loan Application Amount $3,880,000
Average Applicant Income $96,430
Highest Applicant Income $7,200,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bear Stearns Residential Mortg filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Bear Stearns Residential Mortg by County in 2007

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 6,333 $ 2,292,837,000 $ 362,045 $ 107,000
Riverside, California 2,528 $ 793,503,000 $ 313,885 $ 105,000
Maricopa, Arizona 2,398 $ 589,832,000 $ 245,968 $ 99,000
Cook, Illinois 2,073 $ 487,073,000 $ 234,960 $ 90,000
San Diego, California 2,043 $ 717,800,000 $ 351,346 $ 92,000
San Bernardino, California 1,961 $ 534,015,000 $ 272,317 $ 87,000
Orange, California 1,935 $ 820,830,000 $ 424,201 $ 132,000
Santa Clara, California 1,244 $ 663,917,000 $ 533,695 $ 172,000
Miami-Dade, Florida 1,121 $ 277,691,000 $ 247,717 $ 86,000
Broward, Florida 1,084 $ 272,469,000 $ 251,355 $ 106,000
Clark, Nevada 1,054 $ 256,806,000 $ 243,648 $ 97,000
Alameda, California 951 $ 423,597,000 $ 445,422 $ 142,000
Prince George's, Maryland 927 $ 256,483,000 $ 276,680 $ 82,000
Orange, Florida 734 $ 142,029,000 $ 193,500 $ 91,000
Contra Costa, California 724 $ 275,689,000 $ 380,785 $ 127,000
Palm Beach, Florida 709 $ 172,911,000 $ 243,880 $ 92,000
Sacramento, California 637 $ 164,727,000 $ 258,598 $ 91,000
Hennepin, Minnesota 558 $ 137,827,000 $ 247,001 $ 97,000
Hillsborough, Florida 536 $ 109,941,000 $ 205,113 $ 92,000
Kern, California 501 $ 99,776,000 $ 199,153 $ 72,000
King, Washington 456 $ 143,820,000 $ 315,394 $ 103,000
Fairfax, Virginia 450 $ 149,550,000 $ 332,333 $ 109,000
Harris, Texas 423 $ 68,721,000 $ 162,460 $ 99,000
Baltimore City, Maryland 422 $ 56,311,000 $ 133,438 $ 76,000
San Mateo, California 413 $ 210,222,000 $ 509,012 $ 134,000
San Joaquin, California 397 $ 114,855,000 $ 289,307 $ 96,000
Fresno, California 390 $ 80,878,000 $ 207,379 $ 77,000
Lee, Florida 384 $ 85,082,000 $ 221,567 $ 93,000
Prince William, Virginia 360 $ 107,916,000 $ 299,766 $ 87,000
Sonoma, California 354 $ 129,917,000 $ 366,997 $ 97,000
Fulton, Georgia 353 $ 82,600,000 $ 233,994 $ 102,000
Ventura, California 347 $ 139,486,000 $ 401,976 $ 129,000
Philadelphia, Pennsylvania 343 $ 41,197,000 $ 120,107 $ 57,000
Baltimore, Maryland 335 $ 77,986,000 $ 232,794 $ 96,000
Milwaukee, Wisconsin 335 $ 38,793,000 $ 115,800 $ 58,000
Solano, California 325 $ 103,857,000 $ 319,560 $ 94,000
Pinellas, Florida 313 $ 61,159,000 $ 195,396 $ 102,000
District of Columbia, District Of Columbia 299 $ 84,701,000 $ 283,280 $ 79,000
Pima, Arizona 296 $ 56,711,000 $ 191,591 $ 77,000
Polk, Florida 289 $ 45,432,000 $ 157,204 $ 61,000
Queens, New York 289 $ 115,615,000 $ 400,051 $ 112,000
Stanislaus, California 286 $ 78,284,000 $ 273,720 $ 106,000
Duval, Florida 285 $ 43,736,000 $ 153,459 $ 78,000
Essex, New Jersey 277 $ 74,259,000 $ 268,083 $ 91,000
Montgomery, Maryland 275 $ 83,257,000 $ 302,752 $ 87,000
Kings, New York 261 $ 123,813,000 $ 474,379 $ 122,000
Osceola, Florida 254 $ 50,592,000 $ 199,181 $ 75,000
Collier, Florida 249 $ 76,015,000 $ 305,281 $ 121,000
DeKalb, Georgia 247 $ 44,869,000 $ 181,655 $ 82,000
St. Louis, Missouri 244 $ 39,851,000 $ 163,323 $ 79,000
Snohomish, Washington 242 $ 61,465,000 $ 253,987 $ 102,000
Tulare, California 235 $ 45,314,000 $ 192,825 $ 58,000
Pierce, Washington 234 $ 57,445,000 $ 245,491 $ 89,000
Suffolk, New York 230 $ 82,762,000 $ 359,834 $ 108,000
Volusia, Florida 217 $ 34,631,000 $ 159,589 $ 59,000
Will, Illinois 212 $ 48,433,000 $ 228,457 $ 86,000
Nassau, New York 211 $ 79,096,000 $ 374,862 $ 134,000
Ramsey, Minnesota 204 $ 34,997,000 $ 171,553 $ 75,000
Jackson, Missouri 201 $ 22,141,000 $ 110,154 $ 95,000
Bernalillo, New Mexico 198 $ 37,552,000 $ 189,656 $ 80,000
Fairfield, Connecticut 196 $ 66,102,000 $ 337,255 $ 107,000
DuPage, Illinois 196 $ 56,856,000 $ 290,081 $ 125,000
Pasco, Florida 191 $ 35,894,000 $ 187,926 $ 69,000
Loudoun, Virginia 191 $ 62,956,000 $ 329,612 $ 83,000
Salt Lake, Utah 190 $ 42,521,000 $ 223,794 $ 99,000
Dallas, Texas 188 $ 35,149,000 $ 186,962 $ 149,000
Cumberland, Maine 186 $ 45,318,000 $ 243,645 $ 82,000
Placer, California 181 $ 70,059,000 $ 387,066 $ 168,000
Pinal, Arizona 177 $ 34,085,000 $ 192,570 $ 92,000
St. Lucie, Florida 177 $ 30,971,000 $ 174,977 $ 69,000
Brevard, Florida 176 $ 34,267,000 $ 194,698 $ 81,000
Gwinnett, Georgia 176 $ 35,169,000 $ 199,823 $ 87,000
Anne Arundel, Maryland 172 $ 55,944,000 $ 325,255 $ 105,000
New Haven, Connecticut 171 $ 35,806,000 $ 209,391 $ 76,000
Seminole, Florida 169 $ 35,596,000 $ 210,627 $ 129,000
Lake, Illinois 165 $ 58,450,000 $ 354,242 $ 169,000
San Francisco, California 163 $ 81,280,000 $ 498,650 $ 108,000
Ocean, New Jersey 163 $ 38,387,000 $ 235,503 $ 74,000
Denver, Colorado 159 $ 38,033,000 $ 239,201 $ 138,000
Middlesex, New Jersey 159 $ 41,740,000 $ 262,515 $ 70,000
Marion, Florida 157 $ 28,209,000 $ 179,675 $ 76,000
Marion, Indiana 156 $ 17,349,000 $ 111,211 $ 66,000
Monmouth, New Jersey 156 $ 59,969,000 $ 384,416 $ 130,000
Horry, South Carolina 154 $ 48,673,000 $ 316,058 $ 88,000
Bronx, New York 151 $ 55,232,000 $ 365,774 $ 107,000
Chesterfield, Virginia 151 $ 27,266,000 $ 180,569 $ 62,000
Union, New Jersey 144 $ 41,996,000 $ 291,638 $ 106,000
Monterey, California 142 $ 58,255,000 $ 410,246 $ 89,000
Bergen, New Jersey 141 $ 54,445,000 $ 386,134 $ 117,000
Allegheny, Pennsylvania 141 $ 13,796,000 $ 97,843 $ 53,000
Bexar, Texas 140 $ 21,991,000 $ 157,078 $ 98,000
Cobb, Georgia 139 $ 25,520,000 $ 183,597 $ 86,000
Multnomah, Oregon 139 $ 29,698,000 $ 213,654 $ 60,000
Hudson, New Jersey 138 $ 43,236,000 $ 313,304 $ 82,000
Hidalgo, Texas 137 $ 18,248,000 $ 133,197 $ 90,000
Anoka, Minnesota 135 $ 27,049,000 $ 200,362 $ 83,000
Shelby, Tennessee 135 $ 14,158,000 $ 104,874 $ 55,000
Henrico, Virginia 134 $ 24,546,000 $ 183,179 $ 65,000
Westchester, New York 129 $ 56,567,000 $ 438,503 $ 133,000
St. Louis City, Missouri 127 $ 14,245,000 $ 112,165 $ 72,000
Mecklenburg, North Carolina 126 $ 21,062,000 $ 167,158 $ 86,000
Richmond City, Virginia 126 $ 16,323,000 $ 129,547 $ 57,000
Virginia Beach, Virginia 125 $ 24,834,000 $ 198,672 $ 69,000
Lake, Florida 123 $ 23,802,000 $ 193,512 $ 67,000
Middlesex, Massachusetts 122 $ 37,641,000 $ 308,532 $ 96,000
Passaic, New Jersey 121 $ 37,039,000 $ 306,107 $ 102,000
Essex, Massachusetts 117 $ 33,668,000 $ 287,760 $ 86,000
Arapahoe, Colorado 116 $ 32,569,000 $ 280,767 $ 147,000
Manatee, Florida 116 $ 28,488,000 $ 245,586 $ 102,000
Sarasota, Florida 115 $ 28,192,000 $ 245,147 $ 80,000
Travis, Texas 115 $ 20,881,000 $ 181,573 $ 92,000
Worcester, Massachusetts 112 $ 26,729,000 $ 238,651 $ 88,000
Merced, California 111 $ 28,113,000 $ 253,270 $ 84,000
Washington, Minnesota 110 $ 29,237,000 $ 265,790 $ 81,000
Burlington, New Jersey 110 $ 22,320,000 $ 202,909 $ 100,000
Camden, New Jersey 110 $ 19,164,000 $ 174,218 $ 67,000
Dakota, Minnesota 109 $ 23,365,000 $ 214,357 $ 85,000
Utah, Utah 109 $ 25,265,000 $ 231,788 $ 106,000
Hartford, Connecticut 108 $ 20,227,000 $ 187,287 $ 71,000
Suffolk, Massachusetts 107 $ 32,712,000 $ 305,719 $ 80,000
Tarrant, Texas 107 $ 14,513,000 $ 135,635 $ 79,000
Kane, Illinois 102 $ 22,888,000 $ 224,392 $ 97,000
Hernando, Florida 101 $ 14,996,000 $ 148,475 $ 88,000
New Castle, Delaware 100 $ 16,701,000 $ 167,010 $ 69,000
Plymouth, Massachusetts 100 $ 28,821,000 $ 288,210 $ 100,000
Yavapai, Arizona 99 $ 24,218,000 $ 244,626 $ 121,000
Charleston, South Carolina 99 $ 26,784,000 $ 270,545 $ 79,000
Charles, Maryland 97 $ 30,351,000 $ 312,896 $ 116,000
Richmond, New York 97 $ 31,433,000 $ 324,051 $ 98,000
Montgomery, Pennsylvania 97 $ 23,930,000 $ 246,701 $ 102,000
Imperial, California 93 $ 16,233,000 $ 174,548 $ 419,000
Clark, Washington 90 $ 19,321,000 $ 214,677 $ 64,000
San Luis Obispo, California 89 $ 31,385,000 $ 352,640 $ 90,000
Fort Bend, Texas 89 $ 16,158,000 $ 181,550 $ 88,000
Lake, Indiana 88 $ 8,939,000 $ 101,579 $ 66,000
Howard, Maryland 88 $ 31,555,000 $ 358,579 $ 125,000
Gloucester, New Jersey 88 $ 15,284,000 $ 173,681 $ 70,000
Norfolk, Virginia 87 $ 13,518,000 $ 155,379 $ 71,000
Santa Barbara, California 86 $ 37,000,000 $ 430,232 $ 104,000
Morris, New Jersey 86 $ 30,416,000 $ 353,674 $ 122,000
Hampden, Massachusetts 84 $ 14,116,000 $ 168,047 $ 63,000
Washington, Oregon 84 $ 16,343,000 $ 194,559 $ 59,000
Atlantic, New Jersey 82 $ 19,329,000 $ 235,719 $ 84,000
Chesapeake, Virginia 82 $ 16,315,000 $ 198,963 $ 91,000
Frederick, Maryland 81 $ 20,396,000 $ 251,802 $ 92,000
Monroe, New York 81 $ 10,600,000 $ 130,864 $ 64,000
Jefferson, Colorado 80 $ 19,439,000 $ 242,987 $ 136,000
Greene, Missouri 80 $ 12,967,000 $ 162,087 $ 89,000
Wake, North Carolina 79 $ 16,434,000 $ 208,025 $ 97,000
Washoe, Nevada 78 $ 21,803,000 $ 279,525 $ 95,000
Webb, Texas 78 $ 9,641,000 $ 123,602 $ 55,000
Spotsylvania, Virginia 78 $ 16,471,000 $ 211,166 $ 96,000
El Paso, Colorado 77 $ 15,408,000 $ 200,103 $ 105,000
Scott, Minnesota 77 $ 18,233,000 $ 236,792 $ 155,000
Erie, New York 76 $ 11,361,000 $ 149,486 $ 77,000
Delaware, Pennsylvania 75 $ 10,184,000 $ 135,786 $ 70,000
McHenry, Illinois 73 $ 18,758,000 $ 256,958 $ 94,000
York, Maine 73 $ 18,082,000 $ 247,698 $ 99,000
Oklahoma, Oklahoma 73 $ 9,360,000 $ 128,219 $ 60,000
Marin, California 71 $ 50,415,000 $ 710,070 $ 194,000
Wright, Minnesota 71 $ 15,784,000 $ 222,309 $ 158,000
Adams, Colorado 70 $ 13,398,000 $ 191,400 $ 91,000
Henry, Georgia 70 $ 11,864,000 $ 169,485 $ 67,000
Mercer, New Jersey 70 $ 13,983,000 $ 199,757 $ 99,000
Hampton, Virginia 70 $ 11,502,000 $ 164,314 $ 75,000
Mohave, Arizona 69 $ 18,228,000 $ 264,173 $ 146,000
Charlotte, Florida 69 $ 16,493,000 $ 239,028 $ 122,000
Yolo, California 68 $ 18,421,000 $ 270,897 $ 71,000
Napa, California 67 $ 29,063,000 $ 433,776 $ 107,000
Clayton, Georgia 67 $ 7,486,000 $ 111,731 $ 59,000
Collin, Texas 67 $ 17,171,000 $ 256,283 $ 136,000
El Dorado, California 66 $ 23,628,000 $ 358,000 $ 103,000
Douglas, Colorado 66 $ 26,454,000 $ 400,818 $ 122,000
Wayne, Michigan 64 $ 7,723,000 $ 120,671 $ 74,000
Butte, California 63 $ 15,284,000 $ 242,603 $ 74,000
Lake, California 63 $ 15,789,000 $ 250,619 $ 139,000
Escambia, Florida 63 $ 9,440,000 $ 149,841 $ 48,000
Honolulu, Hawaii 63 $ 25,013,000 $ 397,031 $ 105,000
Newport News, Virginia 63 $ 8,386,000 $ 133,111 $ 75,000
Spokane, Washington 63 $ 10,822,000 $ 171,777 $ 68,000
Bay, Florida 62 $ 11,514,000 $ 185,709 $ 158,000
Harford, Maryland 62 $ 15,072,000 $ 243,096 $ 80,000
Norfolk, Massachusetts 62 $ 19,184,000 $ 309,419 $ 111,000
Hillsborough, New Hampshire 61 $ 14,059,000 $ 230,475 $ 72,000
York, Pennsylvania 60 $ 11,062,000 $ 184,366 $ 91,000
Somerset, New Jersey 59 $ 18,444,000 $ 312,610 $ 99,000
Montgomery, Texas 59 $ 15,670,000 $ 265,593 $ 183,000
Madera, California 58 $ 16,148,000 $ 278,413 $ 90,000
Chester, Pennsylvania 58 $ 12,350,000 $ 212,931 $ 91,000
Stafford, Virginia 58 $ 16,301,000 $ 281,051 $ 79,000
Bucks, Pennsylvania 57 $ 15,752,000 $ 276,350 $ 104,000
St. Charles, Missouri 55 $ 14,093,000 $ 256,236 $ 74,000
New Hanover, North Carolina 55 $ 10,117,000 $ 183,945 $ 67,000
Jefferson, Alabama 54 $ 7,525,000 $ 139,351 $ 65,000
Cameron, Texas 54 $ 7,512,000 $ 139,111 $ 56,000
Clay, Florida 52 $ 10,452,000 $ 201,000 $ 81,000
Jefferson, Missouri 52 $ 8,026,000 $ 154,346 $ 52,000
Kitsap, Washington 52 $ 13,107,000 $ 252,057 $ 96,000
Kings, California 51 $ 7,966,000 $ 156,196 $ 71,000
Citrus, Florida 51 $ 9,157,000 $ 179,549 $ 118,000
Bristol, Massachusetts 50 $ 12,034,000 $ 240,680 $ 54,000
Dutchess, New York 50 $ 16,288,000 $ 325,760 $ 86,000
Tulsa, Oklahoma 50 $ 5,731,000 $ 114,620 $ 55,000
Suffolk, Virginia 50 $ 7,471,000 $ 149,420 $ 83,000
Flagler, Florida 49 $ 11,196,000 $ 228,489 $ 91,000
Rockland, New York 49 $ 15,402,000 $ 314,326 $ 101,000
Humboldt, California 48 $ 14,303,000 $ 297,979 $ 83,000
St. Johns, Florida 48 $ 12,853,000 $ 267,770 $ 98,000
Winnebago, Illinois 48 $ 5,287,000 $ 110,145 $ 65,000
Orange, New York 48 $ 12,318,000 $ 256,625 $ 92,000
Denton, Texas 48 $ 9,121,000 $ 190,020 $ 98,000
Johnson, Kansas 47 $ 12,847,000 $ 273,340 $ 146,000
Marion, Oregon 47 $ 7,318,000 $ 155,702 $ 50,000
Monroe, Pennsylvania 47 $ 9,096,000 $ 193,531 $ 78,000
Portsmouth, Virginia 47 $ 6,394,000 $ 136,042 $ 66,000
Berkeley, West Virginia 47 $ 8,402,000 $ 178,765 $ 82,000
Calvert, Maryland 46 $ 12,931,000 $ 281,108 $ 78,000
Santa Cruz, California 44 $ 20,405,000 $ 463,750 $ 79,000
Alachua, Florida 44 $ 6,371,000 $ 144,795 $ 73,000
Leon, Florida 44 $ 8,431,000 $ 191,613 $ 50,000
Chatham, Georgia 44 $ 7,638,000 $ 173,590 $ 81,000
Sherburne, Minnesota 44 $ 11,942,000 $ 271,409 $ 132,000
Dona Ana, New Mexico 43 $ 7,772,000 $ 180,744 $ 97,000
Alexandria, Virginia 43 $ 10,593,000 $ 246,348 $ 104,000
Newton, Georgia 42 $ 6,132,000 $ 146,000 $ 169,000
Albany, New York 42 $ 5,710,000 $ 135,952 $ 71,000
Clackamas, Oregon 42 $ 12,306,000 $ 293,000 $ 77,000
Williamson, Texas 42 $ 6,018,000 $ 143,285 $ 140,000
Mendocino, California 41 $ 13,601,000 $ 331,731 $ 83,000
El Paso, Texas 41 $ 4,644,000 $ 113,268 $ 62,000
Whatcom, Washington 41 $ 11,006,000 $ 268,439 $ 77,000
Shasta, California 40 $ 9,797,000 $ 244,925 $ 111,000
Washington, Maryland 40 $ 8,798,000 $ 219,950 $ 88,000
Dane, Wisconsin 40 $ 8,379,000 $ 209,475 $ 97,000
Boulder, Colorado 39 $ 13,174,000 $ 337,794 $ 154,000
Cherokee, Georgia 39 $ 7,649,000 $ 196,128 $ 100,000
Douglas, Georgia 39 $ 6,318,000 $ 162,000 $ 60,000
Paulding, Georgia 39 $ 5,840,000 $ 149,743 $ 76,000
Wicomico, Maryland 39 $ 6,167,000 $ 158,128 $ 71,000
Berks, Pennsylvania 39 $ 5,786,000 $ 148,358 $ 83,000
New London, Connecticut 38 $ 9,343,000 $ 245,868 $ 78,000
Carroll, Maryland 38 $ 10,122,000 $ 266,368 $ 76,000
Rockingham, New Hampshire 38 $ 11,811,000 $ 310,815 $ 108,000
Manassas, Virginia 38 $ 7,325,000 $ 192,763 $ 63,000
Coconino, Arizona 37 $ 10,149,000 $ 274,297 $ 53,000
Indian River, Florida 37 $ 7,543,000 $ 203,864 $ 61,000
St. Louis, Minnesota 37 $ 4,553,000 $ 123,054 $ 57,000
New York, New York 37 $ 22,237,000 $ 601,000 $ 204,000
Durham, North Carolina 37 $ 4,819,000 $ 130,243 $ 63,000
Northampton, Pennsylvania 37 $ 5,395,000 $ 145,810 $ 68,000
Martin, Florida 36 $ 10,944,000 $ 304,000 $ 114,000
Okaloosa, Florida 36 $ 11,599,000 $ 322,194 $ 85,000
Cumberland, New Jersey 36 $ 5,252,000 $ 145,888 $ 56,000
Sandoval, New Mexico 36 $ 6,773,000 $ 188,138 $ 95,000
Greenville, South Carolina 36 $ 5,051,000 $ 140,305 $ 66,000
Richland, South Carolina 36 $ 4,977,000 $ 138,250 $ 64,000
Lane, Oregon 35 $ 6,390,000 $ 182,571 $ 53,000
Galveston, Texas 35 $ 6,567,000 $ 187,628 $ 126,000
Madison, Illinois 34 $ 3,224,000 $ 94,823 $ 64,000
St. Clair, Illinois 34 $ 3,779,000 $ 111,147 $ 50,000
Worcester, Maryland 34 $ 8,366,000 $ 246,058 $ 74,000
Brazoria, Texas 34 $ 4,748,000 $ 139,647 $ 79,000
Thurston, Washington 34 $ 7,126,000 $ 209,588 $ 93,000
Mobile, Alabama 33 $ 6,045,000 $ 183,181 $ 94,000
Carroll, Georgia 33 $ 3,889,000 $ 117,848 $ 74,000
Hawaii, Hawaii 33 $ 12,135,000 $ 367,727 $ 150,000
Wyandotte, Kansas 33 $ 3,294,000 $ 99,818 $ 66,000
Beaufort, South Carolina 33 $ 8,994,000 $ 272,545 $ 146,000
Yuma, Arizona 32 $ 5,589,000 $ 174,656 $ 94,000
Nevada, California 32 $ 12,481,000 $ 390,031 $ 135,000
Yuba, California 32 $ 5,139,000 $ 160,593 $ 70,000
Litchfield, Connecticut 32 $ 9,582,000 $ 299,437 $ 139,000
Androscoggin, Maine 32 $ 4,707,000 $ 147,093 $ 67,000
Kennebec, Maine 32 $ 3,671,000 $ 114,718 $ 75,000
Douglas, Nevada 32 $ 8,823,000 $ 275,718 $ 174,000
Lehigh, Pennsylvania 32 $ 5,188,000 $ 162,125 $ 60,000
Providence, Rhode Island 32 $ 6,910,000 $ 215,937 $ 57,000
Davis, Utah 32 $ 7,109,000 $ 222,156 $ 85,000
Kenosha, Wisconsin 32 $ 4,985,000 $ 155,781 $ 63,000
Waukesha, Wisconsin 32 $ 11,437,000 $ 357,406 $ 130,000
Kent, Delaware 31 $ 5,293,000 $ 170,741 $ 58,000
Christian, Missouri 31 $ 5,396,000 $ 174,064 $ 81,000
Clay, Missouri 31 $ 4,887,000 $ 157,645 $ 86,000
Cape May, New Jersey 31 $ 10,319,000 $ 332,870 $ 119,000
Luzerne, Pennsylvania 31 $ 3,056,000 $ 98,580 $ 50,000
Arlington, Virginia 31 $ 9,685,000 $ 312,419 $ 118,000
Calaveras, California 30 $ 9,042,000 $ 301,400 $ 112,000
Tehama, California 30 $ 6,622,000 $ 220,733 $ 75,000
Monroe, Florida 30 $ 15,814,000 $ 527,133 $ 130,000
Penobscot, Maine 30 $ 4,842,000 $ 161,400 $ 47,000
Cecil, Maryland 30 $ 6,213,000 $ 207,100 $ 66,000
Ulster, New York 30 $ 5,550,000 $ 185,000 $ 89,000
Deschutes, Oregon 30 $ 9,067,000 $ 302,233 $ 129,000
Fauquier, Virginia 30 $ 9,975,000 $ 332,500 $ 115,000
Hanover, Virginia 30 $ 7,340,000 $ 244,666 $ 92,000
Petersburg, Virginia 30 $ 3,028,000 $ 100,933 $ 71,000
Roanoke City, Virginia 30 $ 2,536,000 $ 84,533 $ 48,000
Skagit, Washington 30 $ 7,613,000 $ 253,766 $ 81,000
Forsyth, Georgia 29 $ 10,668,000 $ 367,862 $ 178,000
Cass, Missouri 29 $ 6,720,000 $ 231,724 $ 110,000
Taney, Missouri 29 $ 4,014,000 $ 138,413 $ 26,000
Strafford, New Hampshire 29 $ 6,188,000 $ 213,379 $ 74,000
Racine, Wisconsin 29 $ 6,285,000 $ 216,724 $ 91,000
San Benito, California 28 $ 11,269,000 $ 402,464 $ 72,000
Sussex, Delaware 28 $ 7,092,000 $ 253,285 $ 82,000
Salem, New Jersey 28 $ 5,511,000 $ 196,821 $ 56,000
Guilford, North Carolina 28 $ 4,339,000 $ 154,964 $ 53,000
Weber, Utah 28 $ 5,281,000 $ 188,607 $ 62,000
Winnebago, Wisconsin 28 $ 2,925,000 $ 104,464 $ 147,000
Fayette, Georgia 27 $ 9,267,000 $ 343,222 $ 111,000
St. Joseph, Indiana 27 $ 2,852,000 $ 105,629 $ 55,000
East Baton Rouge, Louisiana 27 $ 4,008,000 $ 148,444 $ 80,000
Rensselaer, New York 27 $ 3,629,000 $ 134,407 $ 90,000
Lackawanna, Pennsylvania 27 $ 2,457,000 $ 91,000 $ 47,000
Berkeley, South Carolina 27 $ 4,412,000 $ 163,407 $ 42,000
Knox, Tennessee 27 $ 2,940,000 $ 108,888 $ 50,000
Middlesex, Connecticut 26 $ 6,909,000 $ 265,730 $ 82,000
Polk, Iowa 26 $ 2,913,000 $ 112,038 $ 70,000
Pike, Pennsylvania 26 $ 4,677,000 $ 179,884 $ 62,000
Culpeper, Virginia 26 $ 5,884,000 $ 226,307 $ 90,000
Highlands, Florida 25 $ 3,897,000 $ 155,880 $ 59,000
Muscogee, Georgia 25 $ 3,543,000 $ 141,720 $ 99,000
Barnstable, Massachusetts 25 $ 9,933,000 $ 397,320 $ 83,000
Oakland, Michigan 25 $ 5,463,000 $ 218,520 $ 85,000
Carver, Minnesota 25 $ 9,386,000 $ 375,440 $ 167,000
Dauphin, Pennsylvania 25 $ 2,473,000 $ 98,920 $ 85,000
Lancaster, Pennsylvania 25 $ 4,174,000 $ 166,960 $ 60,000
Westmoreland, Pennsylvania 25 $ 3,298,000 $ 131,920 $ 80,000
Georgetown, South Carolina 25 $ 3,627,000 $ 145,080 $ 62,000
Frederick, Virginia 25 $ 6,220,000 $ 248,800 $ 76,000
Navajo, Arizona 24 $ 5,069,000 $ 211,208 $ 132,000
Kendall, Illinois 24 $ 5,699,000 $ 237,458 $ 106,000
St. Mary's, Maryland 24 $ 7,927,000 $ 330,291 $ 96,000
Warren, New Jersey 24 $ 4,859,000 $ 202,458 $ 72,000
Buncombe, North Carolina 24 $ 5,683,000 $ 236,791 $ 73,000
Davidson, Tennessee 24 $ 3,549,000 $ 147,875 $ 68,000
Island, Washington 24 $ 11,149,000 $ 464,541 $ 126,000
Sutter, California 23 $ 5,668,000 $ 246,434 $ 82,000
Larimer, Colorado 23 $ 5,859,000 $ 254,739 $ 49,000
Santa Rosa, Florida 23 $ 4,101,000 $ 178,304 $ 90,000
Hall, Georgia 23 $ 5,021,000 $ 218,304 $ 71,000
Allen, Indiana 23 $ 2,064,000 $ 89,739 $ 87,000
Oxford, Maine 23 $ 3,041,000 $ 132,217 $ 84,000
Crow Wing, Minnesota 23 $ 4,255,000 $ 185,000 $ 76,000
Sussex, New Jersey 23 $ 5,747,000 $ 249,869 $ 82,000
Niagara, New York 23 $ 2,272,000 $ 98,782 $ 55,000
Florence, South Carolina 23 $ 2,899,000 $ 126,043 $ 67,000
Cochise, Arizona 22 $ 2,667,000 $ 121,227 $ 56,000
Mesa, Colorado 22 $ 4,041,000 $ 183,681 $ 63,000
Knox, Maine 22 $ 5,057,000 $ 229,863 $ 58,000
Nye, Nevada 22 $ 5,608,000 $ 254,909 $ 140,000
Umatilla, Oregon 22 $ 1,853,000 $ 84,227 $ 3,000
Washington, Pennsylvania 22 $ 3,728,000 $ 169,454 $ 53,000
Dorchester, South Carolina 22 $ 3,640,000 $ 165,454 $ 46,000
Nueces, Texas 22 $ 2,967,000 $ 134,863 $ 185,000
Tuolumne, California 21 $ 5,352,000 $ 254,857 $ 53,000
Walton, Florida 21 $ 7,309,000 $ 348,047 $ 148,000
Kankakee, Illinois 21 $ 2,998,000 $ 142,761 $ 71,000
Schenectady, New York 21 $ 2,837,000 $ 135,095 $ 69,000
Cumberland, North Carolina 21 $ 2,551,000 $ 121,476 $ 48,000
Jackson, Oregon 21 $ 7,725,000 $ 367,857 $ 149,000
Yakima, Washington 21 $ 2,617,000 $ 124,619 $ 44,000
Madison, Alabama 20 $ 2,360,000 $ 118,000 $ 44,000
Canyon, Idaho 20 $ 3,457,000 $ 172,850 $ 74,000
Lyon, Nevada 20 $ 3,944,000 $ 197,200 $ 60,000
Saratoga, New York 20 $ 4,166,000 $ 208,300 $ 115,000
Chelan, Washington 20 $ 4,272,000 $ 213,600 $ 92,000
Santa Cruz, Arizona 19 $ 3,088,000 $ 162,526 $ 132,000
Bartow, Georgia 19 $ 2,366,000 $ 124,526 $ 50,000
Richmond, Georgia 19 $ 2,771,000 $ 145,842 $ 55,000
St. Tammany, Louisiana 19 $ 3,138,000 $ 165,157 $ 103,000
Macomb, Michigan 19 $ 2,093,000 $ 110,157 $ 101,000
Olmsted, Minnesota 19 $ 3,414,000 $ 179,684 $ 118,000
Carson City, Nevada 19 $ 4,632,000 $ 243,789 $ 32,000
Lexington, South Carolina 19 $ 2,891,000 $ 152,157 $ 69,000
Manassas Park, Virginia 19 $ 4,413,000 $ 232,263 $ 109,000
Pueblo, Colorado 18 $ 2,883,000 $ 160,166 $ 46,000
Weld, Colorado 18 $ 3,695,000 $ 205,277 $ 84,000
Nassau, Florida 18 $ 4,223,000 $ 234,611 $ 91,000
Coweta, Georgia 18 $ 3,059,000 $ 169,944 $ 84,000
Walton, Georgia 18 $ 2,843,000 $ 157,944 $ 39,000
Grafton, New Hampshire 18 $ 3,441,000 $ 191,166 $ 66,000
Valencia, New Mexico 18 $ 2,415,000 $ 134,166 $ 52,000
Johnston, North Carolina 18 $ 2,647,000 $ 147,055 $ 82,000
Caroline, Virginia 18 $ 3,923,000 $ 217,944 $ 57,000
Orange, Virginia 18 $ 5,016,000 $ 278,666 $ 93,000
Jefferson, West Virginia 18 $ 3,757,000 $ 208,722 $ 71,000
Brown, Wisconsin 18 $ 3,345,000 $ 185,833 $ 64,000
Windham, Connecticut 17 $ 4,376,000 $ 257,411 $ 79,000
Spalding, Georgia 17 $ 2,368,000 $ 139,294 $ 99,000
Hampshire, Massachusetts 17 $ 3,897,000 $ 229,235 $ 70,000
Chisago, Minnesota 17 $ 3,721,000 $ 218,882 $ 75,000
Isanti, Minnesota 17 $ 3,179,000 $ 187,000 $ 76,000
Santa Fe, New Mexico 17 $ 7,583,000 $ 446,058 $ 143,000
Sullivan, New York 17 $ 3,148,000 $ 185,176 $ 84,000
Josephine, Oregon 17 $ 4,243,000 $ 249,588 $ 110,000
Sevier, Tennessee 17 $ 3,642,000 $ 214,235 $ 58,000
Jackson, Georgia 16 $ 3,054,000 $ 190,875 $ 43,000
Ada, Idaho 16 $ 4,138,000 $ 258,625 $ 82,000
Johnson, Indiana 16 $ 3,155,000 $ 197,187 $ 99,000
Hancock, Maine 16 $ 5,466,000 $ 341,625 $ 118,000
Queen Anne's, Maryland 16 $ 5,630,000 $ 351,875 $ 171,000
Le Sueur, Minnesota 16 $ 3,062,000 $ 191,375 $ 84,000
Hinds, Mississippi 16 $ 2,208,000 $ 138,000 $ 81,000
Putnam, New York 16 $ 4,606,000 $ 287,875 $ 97,000
Johnson, Texas 16 $ 2,290,000 $ 143,125 $ 124,000
New Kent, Virginia 16 $ 2,372,000 $ 148,250 $ 107,000
DeSoto, Mississippi 15 $ 2,122,000 $ 141,466 $ 97,000
Jefferson, New York 15 $ 1,511,000 $ 100,733 $ 59,000
Brunswick, North Carolina 15 $ 4,196,000 $ 279,733 $ 120,000
Forsyth, North Carolina 15 $ 1,410,000 $ 94,000 $ 42,000
Iredell, North Carolina 15 $ 2,243,000 $ 149,533 $ 63,000
Union, North Carolina 15 $ 3,554,000 $ 236,933 $ 68,000
Linn, Oregon 15 $ 3,873,000 $ 258,200 $ 93,000
Mercer, Pennsylvania 15 $ 1,405,000 $ 93,666 $ 57,000
Hamilton, Tennessee 15 $ 2,677,000 $ 178,466 $ 61,000
Jefferson, Texas 15 $ 1,238,000 $ 82,533 $ 50,000
Roanoke, Virginia 15 $ 2,803,000 $ 186,866 $ 124,000
Grant, Washington 15 $ 3,194,000 $ 212,933 $ 119,000
Grays Harbor, Washington 15 $ 2,506,000 $ 167,066 $ 79,000
Baldwin, Alabama 14 $ 2,066,000 $ 147,571 $ 63,000
Tolland, Connecticut 14 $ 2,211,000 $ 157,928 $ 55,000
Clarke, Georgia 14 $ 1,437,000 $ 102,642 $ 81,000
Rockdale, Georgia 14 $ 4,653,000 $ 332,357 $ 143,000
DeKalb, Illinois 14 $ 2,674,000 $ 191,000 $ 67,000
Hamilton, Indiana 14 $ 5,043,000 $ 360,214 $ 213,000
Sedgwick, Kansas 14 $ 1,698,000 $ 121,285 $ 63,000
Stearns, Minnesota 14 $ 1,843,000 $ 131,642 $ 69,000
Cheshire, New Hampshire 14 $ 3,144,000 $ 224,571 $ 84,000
Montgomery, New York 14 $ 1,290,000 $ 92,142 $ 51,000
Onondaga, New York 14 $ 1,531,000 $ 109,357 $ 86,000
Oconee, South Carolina 14 $ 1,236,000 $ 88,285 $ 43,000
James City, Virginia 14 $ 4,125,000 $ 294,642 $ 100,000
Winchester, Virginia 14 $ 2,425,000 $ 173,214 $ 61,000
Benton, Washington 14 $ 1,837,000 $ 131,214 $ 234,000
St. Croix, Wisconsin 14 $ 3,245,000 $ 231,785 $ 303,000
Montgomery, Alabama 13 $ 2,338,000 $ 179,846 $ 137,000
Gila, Arizona 13 $ 2,368,000 $ 182,153 $ 84,000
Amador, California 13 $ 4,276,000 $ 328,923 $ 104,000
Park, Colorado 13 $ 2,756,000 $ 212,000 $ 92,000
Putnam, Florida 13 $ 2,202,000 $ 169,384 $ 42,000
Kootenai, Idaho 13 $ 2,703,000 $ 207,923 $ 79,000
LaSalle, Illinois 13 $ 1,929,000 $ 148,384 $ 73,000
Lincoln, Maine 13 $ 2,255,000 $ 173,461 $ 84,000
Pine, Minnesota 13 $ 1,824,000 $ 140,307 $ 42,000
Buchanan, Missouri 13 $ 1,835,000 $ 141,153 $ 105,000
Merrimack, New Hampshire 13 $ 2,907,000 $ 223,615 $ 63,000
Yamhill, Oregon 13 $ 2,333,000 $ 179,461 $ 33,000
Spartanburg, South Carolina 13 $ 1,643,000 $ 126,384 $ 69,000
Sumter, South Carolina 13 $ 1,465,000 $ 112,692 $ 49,000
Comal, Texas 13 $ 5,208,000 $ 400,615 $ 104,000
San Patricio, Texas 13 $ 1,435,000 $ 110,384 $ 115,000
Shenandoah, Virginia 13 $ 2,265,000 $ 174,230 $ 40,000
Lewis, Washington 13 $ 2,333,000 $ 179,461 $ 80,000
Pulaski, Arkansas 12 $ 1,540,000 $ 128,333 $ 58,000
Suwannee, Florida 12 $ 1,779,000 $ 148,250 $ 54,000
Bibb, Georgia 12 $ 1,604,000 $ 133,666 $ 53,000
Champaign, Illinois 12 $ 865,000 $ 72,083 $ 55,000
Vanderburgh, Indiana 12 $ 1,467,000 $ 122,250 $ 62,000
Linn, Iowa 12 $ 1,192,000 $ 99,333 $ 47,000
Caroline, Maryland 12 $ 2,380,000 $ 198,333 $ 95,000
Harrison, Mississippi 12 $ 1,609,000 $ 134,083 $ 60,000
Jackson, Mississippi 12 $ 1,333,000 $ 111,083 $ 80,000
Cape Girardeau, Missouri 12 $ 1,448,000 $ 120,666 $ 86,000
Platte, Missouri 12 $ 1,995,000 $ 166,250 $ 74,000
Warren, Missouri 12 $ 1,787,000 $ 148,916 $ 40,000
Broome, New York 12 $ 1,349,000 $ 112,416 $ 68,000
Oneida, New York 12 $ 1,413,000 $ 117,750 $ 66,000
Columbus, North Carolina 12 $ 1,306,000 $ 108,833 $ 53,000
Craven, North Carolina 12 $ 3,311,000 $ 275,916 $ 121,000
Dare, North Carolina 12 $ 4,283,000 $ 356,916 $ 198,000
Onslow, North Carolina 12 $ 1,553,000 $ 129,416 $ 61,000
Sequoyah, Oklahoma 12 $ 960,000 $ 80,000 $ 44,000
Lebanon, Pennsylvania 12 $ 1,608,000 $ 134,000 $ 54,000
Aiken, South Carolina 12 $ 2,399,000 $ 199,916 $ 53,000
Rutherford, Tennessee 12 $ 1,872,000 $ 156,000 $ 53,000
Sullivan, Tennessee 12 $ 2,946,000 $ 245,500 $ 55,000
Bell, Texas 12 $ 1,503,000 $ 125,250 $ 80,000
Dinwiddie, Virginia 12 $ 1,751,000 $ 145,916 $ 37,000
Louisa, Virginia 12 $ 1,912,000 $ 159,333 $ 49,000
Cowlitz, Washington 12 $ 1,473,000 $ 122,750 $ 34,000
Mason, Washington 12 $ 2,160,000 $ 180,000 $ 64,000
Rock, Wisconsin 12 $ 1,899,000 $ 158,250 $ 78,000
Walworth, Wisconsin 12 $ 2,240,000 $ 186,666 $ 72,000
Glenn, California 11 $ 2,754,000 $ 250,363 $ 94,000
Eagle, Colorado 11 $ 4,329,000 $ 393,545 $ 214,000
Morgan, Colorado 11 $ 994,000 $ 90,363 $ 82,000
Effingham, Georgia 11 $ 1,563,000 $ 142,090 $ 38,000
Gilmer, Georgia 11 $ 1,780,000 $ 161,818 $ 42,000
Houston, Georgia 11 $ 2,033,000 $ 184,818 $ 64,000
Madison, Indiana 11 $ 949,000 $ 86,272 $ 40,000
Geary, Kansas 11 $ 859,000 $ 78,090 $ 7,000
Leavenworth, Kansas 11 $ 1,704,000 $ 154,909 $ 39,000
Allegany, Maryland 11 $ 1,317,000 $ 119,727 $ 75,000
Talbot, Maryland 11 $ 2,492,000 $ 226,545 $ 75,000
Franklin, Missouri 11 $ 1,992,000 $ 181,090 $ 73,000
Douglas, Nebraska 11 $ 1,440,000 $ 130,909 $ 38,000
Carroll, New Hampshire 11 $ 1,914,000 $ 174,000 $ 52,000
Currituck, North Carolina 11 $ 2,439,000 $ 221,727 $ 58,000
Coos, Oregon 11 $ 2,624,000 $ 238,545 $ 48,000
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Mortgage Loan Application Detail Totals for Bear Stearns Residential Mortg 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
Refinancing 52,375 $14,390,255,000 $274,000 $3,880,000 $93,000 $6,240,000
Home Purchase 15,532 $3,830,650,000 $246,000 $2,625,000 $108,000 $7,200,000
Home Improvement 1 $51,000 $51,000 $51,000 $96,000 $96,000

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 25,256 $6,806,492,000 $269,000 $3,880,000 $109,000 $6,000,000
Hispanic 14,986 $3,994,080,000 $266,000 $2,000,000 $80,000 $3,740,000
Not Provided 12,484 $3,316,516,000 $265,000 $2,625,000 $89,000 $6,240,000
Black or African American 10,608 $2,342,279,000 $220,000 $1,985,000 $83,000 $3,817,000
Asian 3,861 $1,538,259,000 $398,000 $2,240,000 $135,000 $7,200,000
Native Hawaiian or Other Pacific Islander 567 $184,016,000 $324,000 $1,388,000 $109,000 $1,204,000
American Indian or Alaskan Native 146 $39,314,000 $269,000 $860,000 $107,000 $1,200,000
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) 67,905 $18,220,409,000 $268,000 $3,880,000 $97,000 $7,200,000
FHA-insured (Federal Housing Administration) 3 $547,000 $182,000 $312,000 $71,000 $140,000
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 24,191 $6,345,534,000 $262,000 $3,880,000 $87,000 $2,102,000
Application Withdrawn By Applicant 23,154 $6,244,402,000 $269,000 $2,400,000 $99,000 $7,200,000
Application Denied By Financial Institution 10,312 $2,899,675,000 $281,000 $2,625,000 $118,000 $2,400,000
Application Approved But Not Accepted 8,327 $2,177,461,000 $261,000 $2,240,000 $91,000 $6,000,000
Loan Purchased By The Institution 1,924 $553,884,000 $287,000 $2,500,000 $108,000 $6,000,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 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
Other 2,953 $803,094,000 $271,000 $1,720,000 $105,000 $2,400,000
Collateral 689 $224,301,000 $325,000 $1,755,000 $123,000 $1,819,000
Credit History 671 $151,515,000 $225,000 $1,463,000 $84,000 $567,000
Debt-To-Income Ratio 575 $160,068,000 $278,000 $2,625,000 $91,000 $1,083,000
Unverifiable Information 280 $102,509,000 $366,000 $1,897,000 $155,000 $1,683,000
Employment History 99 $26,953,000 $272,000 $1,185,000 $111,000 $690,000
Credit Application Incomplete 62 $26,991,000 $435,000 $2,000,000 $155,000 $887,000
Insufficient Cash (Downpayment, Closing Cost) 50 $13,328,000 $266,000 $1,125,000 $69,000 $201,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Bear Stearns Residential Mortg'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 Bear Stearns Residential Mortg'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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