Beneficial Mortgage Lending & HMDA Data, 2003

In 2003, Beneficial of Elmhurst, IL reported 435,915 mortgage applications totaling $42.5 billion. The average application was for $97,533, and applicants reported an average income of $56,482. 13% of its applications resulted in an originated loan and 46% were denied. Its largest markets were Los Angeles-Long Beach, CA (8,376), Pittsburgh, PA (8,366) and Riverside-San Bernardino, CA (7,381) (applications in parentheses).

Mortgage Company & Address Beneficial
140 Industrial Drive
Elmhurst, IL 60126
Tel #: available with data download
Federal Regulator * available with data download
Years 2004  2003  
Total Number of Mortgage Applications 435,915
Total Mortgage Loan Application Amount $42,516,162,000
Average Mortgage Loan Application Amount $97,533
Highest Mortgage Loan Application Amount $3,900,000
Average Applicant Income $56,482
Highest Applicant Income $1,400,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Beneficial filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Beneficial by County in 2003

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 8,376 $ 1,187,061,000 $ 141,721 $ 76,000
San Bernardino, California 4,173 $ 479,819,000 $ 114,981 $ 74,000
Sacramento, California 3,862 $ 533,456,000 $ 138,129 $ 64,000
Harris, Texas 3,713 $ 179,556,000 $ 48,358 $ 65,000
Allegheny, Pennsylvania 3,671 $ 261,457,000 $ 71,222 $ 49,000
Cuyahoga, Ohio 3,334 $ 278,523,000 $ 83,540 $ 48,000
Riverside, California 3,208 $ 402,484,000 $ 125,462 $ 73,000
San Diego, California 3,195 $ 598,513,000 $ 187,328 $ 73,000
Cook, Illinois 3,155 $ 364,523,000 $ 115,538 $ 65,000
Maricopa, Arizona 3,088 $ 328,779,000 $ 106,469 $ 59,000
Suffolk, New York 3,081 $ 349,802,000 $ 113,535 $ 71,000
Erie, New York 2,786 $ 209,492,000 $ 75,194 $ 53,000
Franklin, Ohio 2,653 $ 259,250,000 $ 97,719 $ 60,000
Monroe, New York 2,426 $ 181,283,000 $ 74,725 $ 56,000
Philadelphia, Pennsylvania 2,396 $ 135,363,000 $ 56,495 $ 41,000
Bexar, Texas 2,383 $ 80,133,000 $ 33,626 $ 51,000
Tulsa, Oklahoma 2,312 $ 206,149,000 $ 89,164 $ 56,000
Queens, New York 2,274 $ 284,278,000 $ 125,012 $ 68,000
Marion, Indiana 2,217 $ 200,278,000 $ 90,337 $ 51,000
Dallas, Texas 2,184 $ 122,062,000 $ 55,889 $ 54,000
Wayne, Michigan 2,172 $ 155,649,000 $ 71,661 $ 51,000
Clark, Nevada 2,055 $ 198,742,000 $ 96,711 $ 64,000
El Paso, Texas 2,034 $ 78,361,000 $ 38,525 $ 53,000
Orange, California 2,024 $ 341,692,000 $ 168,820 $ 98,000
Hamilton, Ohio 1,877 $ 176,098,000 $ 93,818 $ 47,000
Jackson, Missouri 1,838 $ 162,114,000 $ 88,201 $ 52,000
King, Washington 1,809 $ 318,967,000 $ 176,322 $ 73,000
St. Louis, Missouri 1,709 $ 173,177,000 $ 101,332 $ 54,000
Erie, Pennsylvania 1,676 $ 129,499,000 $ 77,266 $ 45,000
Solano, California 1,674 $ 314,795,000 $ 188,049 $ 72,000
Honolulu, Hawaii 1,664 $ 379,099,000 $ 227,823 $ 86,000
Oklahoma, Oklahoma 1,559 $ 121,319,000 $ 77,818 $ 57,000
Stark, Ohio 1,525 $ 130,372,000 $ 85,489 $ 46,000
Lancaster, Pennsylvania 1,490 $ 162,667,000 $ 109,172 $ 47,000
Summit, Ohio 1,482 $ 126,009,000 $ 85,026 $ 48,000
San Joaquin, California 1,479 $ 214,510,000 $ 145,037 $ 66,000
Montgomery, Ohio 1,474 $ 128,171,000 $ 86,954 $ 49,000
Westmoreland, Pennsylvania 1,445 $ 104,680,000 $ 72,442 $ 52,000
Sedgwick, Kansas 1,396 $ 99,051,000 $ 70,953 $ 51,000
Tarrant, Texas 1,393 $ 69,323,000 $ 49,765 $ 54,000
New Castle, Delaware 1,380 $ 167,511,000 $ 121,384 $ 55,000
Miami-Dade, Florida 1,380 $ 117,286,000 $ 84,989 $ 61,000
Kings, New York 1,371 $ 213,656,000 $ 155,839 $ 67,000
Contra Costa, California 1,360 $ 233,070,000 $ 171,375 $ 78,000
Duval, Florida 1,351 $ 116,444,000 $ 86,190 $ 51,000
Salt Lake, Utah 1,344 $ 171,537,000 $ 127,631 $ 57,000
Fayette, Pennsylvania 1,339 $ 87,610,000 $ 65,429 $ 39,000
Onondaga, New York 1,294 $ 91,987,000 $ 71,087 $ 50,000
Prince George's, Maryland 1,266 $ 193,296,000 $ 152,682 $ 75,000
Bernalillo, New Mexico 1,225 $ 108,399,000 $ 88,488 $ 55,000
Butler, Ohio 1,209 $ 135,302,000 $ 111,912 $ 58,000
New Haven, Connecticut 1,207 $ 128,606,000 $ 106,550 $ 58,000
Berks, Pennsylvania 1,203 $ 121,747,000 $ 101,202 $ 61,000
Ventura, California 1,201 $ 220,903,000 $ 183,932 $ 83,000
Nassau, New York 1,181 $ 181,114,000 $ 153,356 $ 86,000
Hillsborough, Florida 1,160 $ 98,097,000 $ 84,566 $ 56,000
Hennepin, Minnesota 1,159 $ 164,370,000 $ 141,820 $ 54,000
Alameda, California 1,156 $ 211,822,000 $ 183,237 $ 81,000
Lucas, Ohio 1,138 $ 81,582,000 $ 71,688 $ 53,000
Washoe, Nevada 1,134 $ 156,591,000 $ 138,087 $ 59,000
Kern, California 1,126 $ 89,885,000 $ 79,826 $ 56,000
Howard, Indiana 1,120 $ 43,055,000 $ 38,441 $ 58,000
Dauphin, Pennsylvania 1,100 $ 100,679,000 $ 91,526 $ 47,000
Northumberland, Pennsylvania 1,081 $ 69,203,000 $ 64,017 $ 50,000
Shelby, Tennessee 1,059 $ 94,582,000 $ 89,312 $ 56,000
Allen, Indiana 1,043 $ 92,500,000 $ 88,686 $ 47,000
Prince William, Virginia 1,026 $ 155,501,000 $ 151,560 $ 72,000
Broward, Florida 1,009 $ 99,866,000 $ 98,975 $ 62,000
Pierce, Washington 1,007 $ 143,768,000 $ 142,768 $ 63,000
Essex, New Jersey 994 $ 83,896,000 $ 84,402 $ 65,000
Pima, Arizona 991 $ 90,773,000 $ 91,597 $ 49,000
Baltimore City, Maryland 987 $ 75,094,000 $ 76,083 $ 46,000
DeKalb, Georgia 978 $ 98,269,000 $ 100,479 $ 56,000
Richland, Ohio 976 $ 79,383,000 $ 81,335 $ 56,000
Montgomery, Pennsylvania 976 $ 133,643,000 $ 136,929 $ 63,000
Schuylkill, Pennsylvania 973 $ 70,047,000 $ 71,990 $ 46,000
Fresno, California 969 $ 99,036,000 $ 102,204 $ 50,000
Polk, Florida 959 $ 84,922,000 $ 88,552 $ 53,000
Clark, Ohio 955 $ 84,511,000 $ 88,493 $ 45,000
Baltimore, Maryland 953 $ 122,692,000 $ 128,742 $ 58,000
Camden, New Jersey 948 $ 71,037,000 $ 74,933 $ 65,000
Milwaukee, Wisconsin 936 $ 69,312,000 $ 74,051 $ 52,000
Oneida, New York 933 $ 60,603,000 $ 64,954 $ 51,000
Westchester, New York 933 $ 151,754,000 $ 162,651 $ 78,000
Essex, Massachusetts 923 $ 109,803,000 $ 118,963 $ 68,000
Luzerne, Pennsylvania 919 $ 78,816,000 $ 85,762 $ 45,000
Hillsborough, New Hampshire 918 $ 104,557,000 $ 113,896 $ 68,000
Washington, Pennsylvania 915 $ 65,987,000 $ 72,116 $ 51,000
Worcester, Massachusetts 896 $ 133,833,000 $ 149,367 $ 61,000
Travis, Texas 893 $ 39,472,000 $ 44,201 $ 59,000
Licking, Ohio 860 $ 97,440,000 $ 113,302 $ 68,000
Jefferson, Louisiana 855 $ 79,368,000 $ 92,828 $ 53,000
Jefferson, Missouri 855 $ 87,105,000 $ 101,877 $ 55,000
Hartford, Connecticut 846 $ 82,719,000 $ 97,776 $ 55,000
Hudson, New Jersey 839 $ 108,358,000 $ 129,151 $ 72,000
Snohomish, Washington 832 $ 144,399,000 $ 173,556 $ 78,000
York, Pennsylvania 815 $ 84,555,000 $ 103,748 $ 59,000
Orleans, Louisiana 808 $ 70,455,000 $ 87,196 $ 62,000
Jefferson, Kentucky 807 $ 85,861,000 $ 106,395 $ 54,000
Fort Bend, Texas 803 $ 30,992,000 $ 38,595 $ 67,000
Oakland, Michigan 802 $ 89,482,000 $ 111,573 $ 63,000
Placer, California 799 $ 121,037,000 $ 151,485 $ 78,000
Cumberland, North Carolina 798 $ 61,037,000 $ 76,487 $ 53,000
Stanislaus, California 796 $ 86,084,000 $ 108,145 $ 58,000
Union, New Jersey 796 $ 96,936,000 $ 121,778 $ 76,000
Spokane, Washington 796 $ 82,216,000 $ 103,286 $ 53,000
Pinal, Arizona 794 $ 69,333,000 $ 87,321 $ 50,000
Middlesex, Massachusetts 791 $ 122,157,000 $ 154,433 $ 75,000
Bronx, New York 785 $ 114,265,000 $ 145,560 $ 65,000
Virginia Beach, Virginia 783 $ 84,482,000 $ 107,895 $ 60,000
Tulare, California 777 $ 74,825,000 $ 96,299 $ 52,000
Orange, New York 777 $ 97,173,000 $ 125,061 $ 70,000
Pinellas, Florida 776 $ 75,767,000 $ 97,637 $ 56,000
Imperial, California 775 $ 62,124,000 $ 80,160 $ 58,000
Rockingham, New Hampshire 774 $ 93,011,000 $ 120,169 $ 71,000
Sussex, Delaware 767 $ 85,589,000 $ 111,589 $ 53,000
Multnomah, Oregon 767 $ 111,445,000 $ 145,299 $ 72,000
Delaware, Pennsylvania 752 $ 66,134,000 $ 87,944 $ 60,000
Dutchess, New York 743 $ 92,768,000 $ 124,855 $ 65,000
Trumbull, Ohio 743 $ 56,134,000 $ 75,550 $ 46,000
Kanawha, West Virginia 742 $ 52,387,000 $ 70,602 $ 49,000
Cameron, Texas 737 $ 26,979,000 $ 36,606 $ 53,000
Providence, Rhode Island 730 $ 70,088,000 $ 96,010 $ 60,000
Fairfax, Virginia 728 $ 140,940,000 $ 193,598 $ 74,000
Lebanon, Pennsylvania 716 $ 71,291,000 $ 99,568 $ 59,000
Oswego, New York 702 $ 41,234,000 $ 58,737 $ 52,000
Lubbock, Texas 701 $ 23,362,000 $ 33,326 $ 52,000
Comanche, Oklahoma 696 $ 51,092,000 $ 73,408 $ 53,000
Orange, Florida 695 $ 71,226,000 $ 102,483 $ 56,000
Cumberland, Pennsylvania 695 $ 70,268,000 $ 101,105 $ 49,000
Fairfield, Connecticut 691 $ 82,200,000 $ 118,958 $ 65,000
Santa Barbara, California 685 $ 116,029,000 $ 169,385 $ 71,000
San Juan, New Mexico 685 $ 63,128,000 $ 92,157 $ 52,000
Guilford, North Carolina 685 $ 70,601,000 $ 103,067 $ 57,000
Vanderburgh, Indiana 682 $ 53,383,000 $ 78,274 $ 47,000
Washington, Maryland 680 $ 72,346,000 $ 106,391 $ 53,000
Chester, Pennsylvania 680 $ 95,048,000 $ 139,776 $ 64,000
Douglas, Nebraska 679 $ 57,838,000 $ 85,181 $ 48,000
Middlesex, New Jersey 677 $ 90,773,000 $ 134,081 $ 75,000
Hidalgo, Texas 673 $ 21,008,000 $ 31,215 $ 56,000
Nueces, Texas 661 $ 21,352,000 $ 32,302 $ 48,000
York, Maine 659 $ 71,828,000 $ 108,995 $ 56,000
Cayuga, New York 659 $ 42,989,000 $ 65,233 $ 45,000
Greene, Missouri 654 $ 52,740,000 $ 80,642 $ 44,000
Northampton, Pennsylvania 653 $ 76,495,000 $ 117,143 $ 59,000
Genesee, Michigan 648 $ 52,910,000 $ 81,651 $ 54,000
St. Louis City, Missouri 644 $ 50,835,000 $ 78,936 $ 47,000
Washington, Oregon 638 $ 114,052,000 $ 178,764 $ 70,000
Scioto, Ohio 631 $ 36,472,000 $ 57,800 $ 42,000
Steuben, New York 630 $ 37,381,000 $ 59,334 $ 46,000
Clinton, New York 627 $ 42,141,000 $ 67,210 $ 57,000
Fairfield, Ohio 626 $ 76,297,000 $ 121,880 $ 65,000
Ocean, New Jersey 619 $ 75,991,000 $ 122,764 $ 60,000
Shasta, California 617 $ 54,283,000 $ 87,978 $ 55,000
Pueblo, Colorado 612 $ 36,244,000 $ 59,222 $ 54,000
Centre, Pennsylvania 609 $ 61,495,000 $ 100,977 $ 54,000
Niagara, New York 606 $ 44,132,000 $ 72,825 $ 56,000
Chautauqua, New York 605 $ 38,634,000 $ 63,857 $ 45,000
Cambria, Pennsylvania 603 $ 39,243,000 $ 65,079 $ 41,000
Franklin, Pennsylvania 603 $ 62,414,000 $ 103,505 $ 48,000
Utah, Utah 602 $ 82,600,000 $ 137,209 $ 53,000
Wyandotte, Kansas 601 $ 41,494,000 $ 69,041 $ 49,000
Minnehaha, South Dakota 600 $ 66,356,000 $ 110,593 $ 42,000
Lake, Illinois 597 $ 60,450,000 $ 101,256 $ 58,000
Lehigh, Pennsylvania 597 $ 60,945,000 $ 102,085 $ 60,000
St. Lawrence, New York 596 $ 28,338,000 $ 47,546 $ 58,000
Butte, California 593 $ 65,979,000 $ 111,263 $ 58,000
Chesterfield, Virginia 592 $ 62,542,000 $ 105,645 $ 61,000
Somerset, New Jersey 588 $ 79,406,000 $ 135,044 $ 74,000
Allen, Ohio 585 $ 43,304,000 $ 74,023 $ 45,000
Kent, Delaware 582 $ 63,001,000 $ 108,249 $ 58,000
Mecklenburg, North Carolina 582 $ 69,208,000 $ 118,914 $ 61,000
Davidson, Tennessee 578 $ 60,880,000 $ 105,328 $ 60,000
Montgomery, Maryland 575 $ 83,349,000 $ 144,954 $ 77,000
Crawford, Pennsylvania 575 $ 45,480,000 $ 79,095 $ 48,000
Clearfield, Pennsylvania 573 $ 34,165,000 $ 59,624 $ 46,000
Indiana, Pennsylvania 572 $ 36,646,000 $ 64,066 $ 45,000
Bucks, Pennsylvania 567 $ 86,465,000 $ 152,495 $ 63,000
Merced, California 564 $ 81,496,000 $ 144,496 $ 55,000
Lorain, Ohio 564 $ 47,197,000 $ 83,682 $ 53,000
El Paso, Colorado 561 $ 71,746,000 $ 127,889 $ 57,000
Santa Clara, California 560 $ 112,968,000 $ 201,728 $ 89,000
Clayton, Georgia 560 $ 50,975,000 $ 91,026 $ 53,000
Monterey, California 555 $ 97,749,000 $ 176,124 $ 74,000
Ashtabula, Ohio 553 $ 38,558,000 $ 69,725 $ 46,000
Ulster, New York 550 $ 62,705,000 $ 114,009 $ 63,000
Armstrong, Pennsylvania 550 $ 38,361,000 $ 69,747 $ 47,000
Lake, Ohio 547 $ 57,530,000 $ 105,173 $ 53,000
Rockingham, North Carolina 546 $ 41,713,000 $ 76,397 $ 44,000
Elkhart, Indiana 542 $ 37,045,000 $ 68,348 $ 47,000
Merrimack, New Hampshire 542 $ 59,199,000 $ 109,223 $ 65,000
Portage, Ohio 541 $ 61,651,000 $ 113,957 $ 56,000
Frederick, Virginia 541 $ 68,643,000 $ 126,881 $ 69,000
Wayne, New York 537 $ 40,050,000 $ 74,581 $ 50,000
Randolph, North Carolina 537 $ 41,321,000 $ 76,947 $ 48,000
Dona Ana, New Mexico 536 $ 44,325,000 $ 82,695 $ 50,000
Warren, Ohio 535 $ 73,887,000 $ 138,106 $ 70,000
Henrico, Virginia 534 $ 61,566,000 $ 115,292 $ 54,000
Burlington, New Jersey 531 $ 57,955,000 $ 109,143 $ 82,000
Volusia, Florida 530 $ 44,278,000 $ 83,543 $ 53,000
Shawnee, Kansas 525 $ 37,432,000 $ 71,299 $ 47,000
Columbiana, Ohio 524 $ 39,843,000 $ 76,036 $ 45,000
Hampden, Massachusetts 523 $ 49,598,000 $ 94,833 $ 52,000
Chatham, Georgia 522 $ 40,767,000 $ 78,097 $ 61,000
Richmond, Georgia 521 $ 35,367,000 $ 67,882 $ 48,000
Denton, Texas 520 $ 34,508,000 $ 66,361 $ 74,000
El Dorado, California 519 $ 81,381,000 $ 156,803 $ 79,000
Cumberland, New Jersey 518 $ 36,316,000 $ 70,108 $ 56,000
Monmouth, New Jersey 517 $ 74,342,000 $ 143,794 $ 90,000
Weld, Colorado 516 $ 64,220,000 $ 124,457 $ 55,000
Johnson, Kansas 513 $ 70,955,000 $ 138,313 $ 69,000
Atlantic, New Jersey 513 $ 45,604,000 $ 88,896 $ 54,000
Maui, Hawaii 508 $ 116,583,000 $ 229,494 $ 73,000
Jackson, Ohio 507 $ 37,270,000 $ 73,510 $ 43,000
Bristol, Massachusetts 506 $ 72,640,000 $ 143,557 $ 55,000
Ross, Ohio 505 $ 47,657,000 $ 94,370 $ 51,000
Butler, Pennsylvania 505 $ 48,583,000 $ 96,203 $ 90,000
San Luis Obispo, California 504 $ 100,552,000 $ 199,507 $ 82,000
Muskingum, Ohio 502 $ 44,117,000 $ 87,882 $ 44,000
Chemung, New York 501 $ 34,351,000 $ 68,564 $ 46,000
Adams, Colorado 499 $ 67,097,000 $ 134,462 $ 61,000
Bell, Texas 498 $ 23,392,000 $ 46,971 $ 56,000
Yavapai, Arizona 496 $ 57,041,000 $ 115,002 $ 49,000
Fulton, Georgia 496 $ 52,046,000 $ 104,931 $ 65,000
Beaver, Pennsylvania 491 $ 37,108,000 $ 75,576 $ 45,000
Mahoning, Ohio 490 $ 30,105,000 $ 61,438 $ 47,000
Palm Beach, Florida 489 $ 45,724,000 $ 93,505 $ 61,000
Weber, Utah 489 $ 58,283,000 $ 119,188 $ 50,000
Cobb, Georgia 488 $ 51,284,000 $ 105,090 $ 75,000
Buchanan, Missouri 487 $ 33,125,000 $ 68,018 $ 43,000
Warren, Virginia 484 $ 42,963,000 $ 88,766 $ 56,000
Wood, West Virginia 483 $ 35,547,000 $ 73,596 $ 42,000
Kenton, Kentucky 481 $ 44,213,000 $ 91,918 $ 52,000
Clark, Washington 478 $ 75,131,000 $ 157,177 $ 63,000
Wayne, Ohio 477 $ 45,312,000 $ 94,993 $ 46,000
Richmond, New York 476 $ 53,995,000 $ 113,434 $ 76,000
St. Lucie, Florida 473 $ 32,964,000 $ 69,691 $ 56,000
Mercer, Pennsylvania 471 $ 33,987,000 $ 72,159 $ 44,000
Yellowstone, Montana 470 $ 44,529,000 $ 94,742 $ 55,000
Strafford, New Hampshire 469 $ 54,141,000 $ 115,439 $ 52,000
Macomb, Michigan 467 $ 52,394,000 $ 112,192 $ 56,000
Cattaraugus, New York 467 $ 25,825,000 $ 55,299 $ 47,000
Denver, Colorado 466 $ 61,559,000 $ 132,100 $ 63,000
Will, Illinois 465 $ 56,321,000 $ 121,120 $ 65,000
Boone, Missouri 460 $ 43,152,000 $ 93,808 $ 52,000
Chesapeake, Virginia 456 $ 47,711,000 $ 104,629 $ 57,000
Jefferson, Colorado 453 $ 73,235,000 $ 161,666 $ 71,000
Broome, New York 453 $ 31,281,000 $ 69,052 $ 45,000
Brevard, Florida 447 $ 39,860,000 $ 89,172 $ 54,000
Frederick, Maryland 446 $ 58,379,000 $ 130,894 $ 63,000
Medina, Ohio 445 $ 53,746,000 $ 120,777 $ 69,000
Blair, Pennsylvania 444 $ 26,756,000 $ 60,261 $ 43,000
Washington, Ohio 442 $ 30,867,000 $ 69,834 $ 51,000
Wake, North Carolina 438 $ 57,997,000 $ 132,413 $ 61,000
Coshocton, Ohio 438 $ 37,405,000 $ 85,399 $ 41,000
Gwinnett, Georgia 433 $ 47,835,000 $ 110,473 $ 73,000
Madison, Indiana 433 $ 34,470,000 $ 79,607 $ 45,000
St. Joseph, Indiana 433 $ 33,093,000 $ 76,427 $ 54,000
Clackamas, Oregon 433 $ 77,071,000 $ 177,993 $ 73,000
Cumberland, Maine 430 $ 54,574,000 $ 126,916 $ 53,000
Bedford, Pennsylvania 430 $ 32,609,000 $ 75,834 $ 47,000
Lycoming, Pennsylvania 428 $ 36,463,000 $ 85,193 $ 55,000
Pasco, Florida 427 $ 30,555,000 $ 71,557 $ 51,000
Nevada, California 426 $ 65,282,000 $ 153,244 $ 60,000
Hawaii, Hawaii 426 $ 56,202,000 $ 131,929 $ 55,000
Rogers, Oklahoma 423 $ 40,799,000 $ 96,451 $ 53,000
St. Charles, Missouri 421 $ 57,072,000 $ 135,562 $ 65,000
New London, Connecticut 420 $ 39,022,000 $ 92,909 $ 61,000
Bergen, New Jersey 420 $ 68,892,000 $ 164,028 $ 86,000
Knox, Ohio 419 $ 40,617,000 $ 96,937 $ 65,000
Gloucester, New Jersey 418 $ 36,893,000 $ 88,260 $ 58,000
Lee, Florida 416 $ 37,916,000 $ 91,144 $ 56,000
Caddo, Louisiana 415 $ 28,625,000 $ 68,975 $ 65,000
Clermont, Ohio 415 $ 49,967,000 $ 120,402 $ 69,000
Allegany, Maryland 410 $ 33,026,000 $ 80,551 $ 49,000
Clay, Missouri 410 $ 41,893,000 $ 102,178 $ 68,000
Jasper, Missouri 405 $ 26,022,000 $ 64,251 $ 43,000
Valencia, New Mexico 401 $ 36,514,000 $ 91,057 $ 54,000
Ontario, New York 401 $ 36,179,000 $ 90,221 $ 52,000
Cascade, Montana 400 $ 38,902,000 $ 97,255 $ 51,000
Sandoval, New Mexico 400 $ 42,469,000 $ 106,172 $ 62,000
St. Louis, Minnesota 398 $ 34,272,000 $ 86,110 $ 60,000
Miami, Ohio 398 $ 38,259,000 $ 96,128 $ 58,000
East Baton Rouge, Louisiana 395 $ 32,284,000 $ 81,731 $ 60,000
Jefferson, New York 395 $ 16,750,000 $ 42,405 $ 49,000
Creek, Oklahoma 394 $ 27,159,000 $ 68,931 $ 56,000
Davis, Utah 394 $ 57,699,000 $ 146,444 $ 56,000
Norfolk, Virginia 394 $ 31,828,000 $ 80,781 $ 49,000
Santa Fe, New Mexico 391 $ 51,195,000 $ 130,933 $ 57,000
Henry, Virginia 390 $ 29,736,000 $ 76,246 $ 43,000
Fayette, Kentucky 389 $ 39,581,000 $ 101,750 $ 51,000
Kootenai, Idaho 388 $ 46,071,000 $ 118,739 $ 53,000
Madison, New York 386 $ 28,091,000 $ 72,774 $ 76,000
Deschutes, Oregon 384 $ 58,625,000 $ 152,669 $ 75,000
Cleveland, Oklahoma 383 $ 33,474,000 $ 87,399 $ 54,000
Roanoke City, Virginia 381 $ 32,232,000 $ 84,598 $ 39,000
Passaic, New Jersey 380 $ 46,513,000 $ 122,402 $ 64,000
Ashland, Ohio 380 $ 35,021,000 $ 92,160 $ 47,000
Tuscarawas, Ohio 380 $ 29,894,000 $ 78,668 $ 46,000
Seminole, Florida 379 $ 42,655,000 $ 112,546 $ 58,000
Delaware, Indiana 377 $ 29,065,000 $ 77,095 $ 46,000
Anne Arundel, Maryland 377 $ 55,676,000 $ 147,681 $ 68,000
Onslow, North Carolina 376 $ 26,351,000 $ 70,082 $ 52,000
Arapahoe, Colorado 374 $ 48,693,000 $ 130,195 $ 69,000
Ada, Idaho 374 $ 42,317,000 $ 113,147 $ 70,000
Winnebago, Illinois 374 $ 30,585,000 $ 81,778 $ 50,000
Madison, Illinois 372 $ 27,453,000 $ 73,798 $ 51,000
Polk, Iowa 370 $ 26,714,000 $ 72,200 $ 53,000
Anoka, Minnesota 368 $ 56,384,000 $ 153,217 $ 63,000
Augusta, Virginia 365 $ 36,605,000 $ 100,287 $ 45,000
Crawford, Ohio 364 $ 31,216,000 $ 85,758 $ 43,000
Kitsap, Washington 364 $ 43,610,000 $ 119,807 $ 62,000
Mercer, New Jersey 362 $ 32,393,000 $ 89,483 $ 58,000
Clarion, Pennsylvania 362 $ 21,993,000 $ 60,754 $ 48,000
Somerset, Pennsylvania 362 $ 27,151,000 $ 75,002 $ 45,000
Spotsylvania, Virginia 362 $ 42,776,000 $ 118,165 $ 65,000
Lake, Indiana 358 $ 23,935,000 $ 66,857 $ 54,000
Franklin, Massachusetts 358 $ 38,835,000 $ 108,477 $ 55,000
Durham, North Carolina 354 $ 39,283,000 $ 110,968 $ 61,000
Webb, Texas 354 $ 21,897,000 $ 61,855 $ 46,000
Humboldt, California 353 $ 44,466,000 $ 125,966 $ 83,000
Washington, Oklahoma 353 $ 20,898,000 $ 59,201 $ 46,000
Peoria, Illinois 352 $ 27,815,000 $ 79,019 $ 50,000
Pittsylvania, Virginia 352 $ 29,857,000 $ 84,821 $ 43,000
Franklin, New York 350 $ 17,627,000 $ 50,362 $ 42,000
Livingston, New York 350 $ 21,341,000 $ 60,974 $ 48,000
Knox, Tennessee 350 $ 33,619,000 $ 96,054 $ 51,000
Ramsey, Minnesota 348 $ 47,654,000 $ 136,936 $ 50,000
Belknap, New Hampshire 347 $ 36,989,000 $ 106,596 $ 55,000
Pennington, South Dakota 344 $ 30,817,000 $ 89,584 $ 52,000
Bedford, Virginia 344 $ 35,943,000 $ 104,485 $ 50,000
Fulton, New York 342 $ 16,840,000 $ 49,239 $ 42,000
Laramie, Wyoming 341 $ 39,044,000 $ 114,498 $ 59,000
Allegany, New York 339 $ 15,079,000 $ 44,480 $ 42,000
Penobscot, Maine 337 $ 32,323,000 $ 95,913 $ 55,000
Suffolk, Virginia 335 $ 30,491,000 $ 91,017 $ 51,000
Muskogee, Oklahoma 334 $ 20,752,000 $ 62,131 $ 42,000
Portsmouth, Virginia 334 $ 25,947,000 $ 77,685 $ 58,000
Gaston, North Carolina 333 $ 31,524,000 $ 94,666 $ 49,000
Sampson, North Carolina 333 $ 24,244,000 $ 72,804 $ 50,000
Collin, Texas 333 $ 25,089,000 $ 75,342 $ 76,000
Sumter, South Carolina 331 $ 26,257,000 $ 79,326 $ 53,000
San Mateo, California 329 $ 73,867,000 $ 224,519 $ 81,000
Linn, Oregon 329 $ 38,921,000 $ 118,300 $ 56,000
Montgomery, Texas 329 $ 15,115,000 $ 45,942 $ 55,000
Cowlitz, Washington 329 $ 39,534,000 $ 120,164 $ 53,000
Charleston, South Carolina 325 $ 32,650,000 $ 100,461 $ 53,000
Monroe, Pennsylvania 324 $ 49,043,000 $ 151,367 $ 74,000
Lawrence, Ohio 323 $ 23,887,000 $ 73,953 $ 50,000
Venango, Pennsylvania 323 $ 18,260,000 $ 56,532 $ 45,000
Marion, Florida 322 $ 24,240,000 $ 75,279 $ 50,000
Warren, Pennsylvania 320 $ 21,017,000 $ 65,678 $ 42,000
Kauai, Hawaii 319 $ 63,415,000 $ 198,793 $ 71,000
Calcasieu, Louisiana 318 $ 25,488,000 $ 80,150 $ 57,000
Campbell, Kentucky 312 $ 33,126,000 $ 106,173 $ 56,000
Montgomery, Tennessee 312 $ 28,407,000 $ 91,048 $ 62,000
Pulaski, Missouri 309 $ 25,780,000 $ 83,430 $ 58,000
Rockland, New York 309 $ 47,736,000 $ 154,485 $ 95,000
Seneca, New York 309 $ 20,121,000 $ 65,116 $ 45,000
Huron, Ohio 309 $ 26,430,000 $ 85,533 $ 46,000
Racine, Wisconsin 308 $ 27,512,000 $ 89,324 $ 51,000
Larimer, Colorado 307 $ 38,947,000 $ 126,863 $ 60,000
Lancaster, Nebraska 307 $ 27,460,000 $ 89,446 $ 54,000
Saratoga, New York 307 $ 22,419,000 $ 73,026 $ 71,000
Hocking, Ohio 305 $ 26,589,000 $ 87,177 $ 50,000
Berkshire, Massachusetts 304 $ 28,370,000 $ 93,322 $ 48,000
Culpeper, Virginia 303 $ 39,768,000 $ 131,247 $ 63,000
McHenry, Illinois 302 $ 43,823,000 $ 145,109 $ 83,000
Delaware, Ohio 302 $ 35,471,000 $ 117,453 $ 62,000
Marion, Ohio 302 $ 22,481,000 $ 74,440 $ 50,000
Newport News, Virginia 302 $ 24,856,000 $ 82,304 $ 53,000
Tioga, New York 300 $ 21,312,000 $ 71,040 $ 49,000
Muscogee, Georgia 295 $ 24,599,000 $ 83,386 $ 49,000
McLean, Illinois 295 $ 32,440,000 $ 109,966 $ 58,000
Missoula, Montana 295 $ 37,549,000 $ 127,284 $ 59,000
Leavenworth, Kansas 294 $ 30,139,000 $ 102,513 $ 57,000
St. Tammany, Louisiana 294 $ 27,640,000 $ 94,013 $ 54,000
Reno, Kansas 293 $ 20,403,000 $ 69,634 $ 43,000
Harford, Maryland 293 $ 39,858,000 $ 136,034 $ 70,000
St. Francois, Missouri 292 $ 24,295,000 $ 83,202 $ 47,000
Berkeley, West Virginia 291 $ 21,454,000 $ 73,725 $ 46,000
DuPage, Illinois 290 $ 43,198,000 $ 148,958 $ 68,000
Wicomico, Maryland 290 $ 28,650,000 $ 98,793 $ 50,000
Champaign, Ohio 290 $ 30,295,000 $ 104,465 $ 51,000
Kings, California 287 $ 25,412,000 $ 88,543 $ 52,000
Morris, New Jersey 287 $ 49,511,000 $ 172,512 $ 89,000
Yolo, California 285 $ 45,619,000 $ 160,066 $ 69,000
Dearborn, Indiana 285 $ 28,196,000 $ 98,933 $ 48,000
Buncombe, North Carolina 285 $ 26,075,000 $ 91,491 $ 43,000
Warren, Kentucky 284 $ 23,304,000 $ 82,056 $ 42,000
Gallia, Ohio 283 $ 21,460,000 $ 75,830 $ 45,000
Perry, Ohio 283 $ 23,034,000 $ 81,392 $ 42,000
Jefferson, Pennsylvania 283 $ 16,753,000 $ 59,197 $ 46,000
Grant, Indiana 280 $ 19,430,000 $ 69,392 $ 43,000
Albany, New York 280 $ 21,508,000 $ 76,814 $ 52,000
Athens, Ohio 280 $ 21,231,000 $ 75,825 $ 48,000
Lackawanna, Pennsylvania 279 $ 23,988,000 $ 85,978 $ 46,000
Rock, Wisconsin 278 $ 26,584,000 $ 95,625 $ 54,000
Kane, Illinois 277 $ 30,536,000 $ 110,238 $ 59,000
Okaloosa, Florida 276 $ 22,319,000 $ 80,865 $ 53,000
Canadian, Oklahoma 276 $ 23,157,000 $ 83,902 $ 50,000
Thurston, Washington 276 $ 33,115,000 $ 119,981 $ 71,000
Taylor, Texas 275 $ 9,427,000 $ 34,280 $ 40,000
Richmond City, Virginia 275 $ 19,348,000 $ 70,356 $ 43,000
Forsyth, North Carolina 274 $ 26,398,000 $ 96,343 $ 50,000
Hampton, Virginia 274 $ 25,462,000 $ 92,927 $ 52,000
Hamilton, Indiana 273 $ 38,157,000 $ 139,769 $ 71,000
Sarasota, Florida 272 $ 29,191,000 $ 107,319 $ 67,000
McKean, Pennsylvania 272 $ 15,341,000 $ 56,400 $ 49,000
Aiken, South Carolina 272 $ 23,093,000 $ 84,900 $ 58,000
Stafford, Virginia 272 $ 36,904,000 $ 135,676 $ 80,000
Boulder, Colorado 271 $ 47,446,000 $ 175,077 $ 70,000
Sweetwater, Wyoming 270 $ 28,011,000 $ 103,744 $ 59,000
Wayne, Indiana 269 $ 18,583,000 $ 69,081 $ 44,000
Kent, Rhode Island 269 $ 28,784,000 $ 107,003 $ 58,000
Monongalia, West Virginia 269 $ 15,731,000 $ 58,479 $ 46,000
Clay, Florida 268 $ 25,068,000 $ 93,537 $ 54,000
Carbon, Pennsylvania 268 $ 23,379,000 $ 87,235 $ 46,000
Yakima, Washington 268 $ 28,275,000 $ 105,503 $ 69,000
Alamance, North Carolina 266 $ 24,543,000 $ 92,266 $ 49,000
Rockingham, Virginia 266 $ 29,110,000 $ 109,436 $ 48,000
Clinton, Indiana 264 $ 13,755,000 $ 52,102 $ 53,000
Danville, Virginia 264 $ 22,522,000 $ 85,310 $ 46,000
Coconino, Arizona 263 $ 34,312,000 $ 130,463 $ 59,000
Plymouth, Massachusetts 262 $ 41,467,000 $ 158,270 $ 66,000
Gallatin, Montana 262 $ 35,432,000 $ 135,236 $ 72,000
Adams, Pennsylvania 262 $ 29,935,000 $ 114,255 $ 54,000
Tippecanoe, Indiana 261 $ 26,698,000 $ 102,291 $ 50,000
Mifflin, Pennsylvania 261 $ 18,489,000 $ 70,839 $ 45,000
Campbell, Virginia 261 $ 22,045,000 $ 84,463 $ 47,000
Boone, Kentucky 260 $ 32,442,000 $ 124,776 $ 72,000
Lynchburg, Virginia 260 $ 19,795,000 $ 76,134 $ 39,000
Dakota, Minnesota 259 $ 43,008,000 $ 166,054 $ 70,000
Lake, California 258 $ 24,388,000 $ 94,527 $ 55,000
Williams, Ohio 258 $ 22,924,000 $ 88,852 $ 46,000
Greene, Ohio 256 $ 27,280,000 $ 106,562 $ 66,000
Marion, Oregon 256 $ 34,807,000 $ 135,964 $ 56,000
Genesee, New York 255 $ 21,659,000 $ 84,937 $ 47,000
Orleans, New York 255 $ 18,981,000 $ 74,435 $ 47,000
Greenville, South Carolina 254 $ 27,410,000 $ 107,913 $ 49,000
Leon, Florida 253 $ 16,878,000 $ 66,711 $ 48,000
Sangamon, Illinois 253 $ 19,935,000 $ 78,794 $ 57,000
Perry, Pennsylvania 253 $ 24,567,000 $ 97,102 $ 48,000
Kosciusko, Indiana 252 $ 21,885,000 $ 86,845 $ 58,000
Meigs, Ohio 252 $ 17,040,000 $ 67,619 $ 45,000
Escambia, Florida 251 $ 19,225,000 $ 76,593 $ 50,000
Henry, Georgia 251 $ 24,567,000 $ 97,876 $ 58,000
Bay, Florida 249 $ 21,734,000 $ 87,285 $ 48,000
Clark, Indiana 249 $ 26,812,000 $ 107,678 $ 54,000
Windham, Connecticut 247 $ 20,548,000 $ 83,190 $ 53,000
Rock Island, Illinois 247 $ 18,749,000 $ 75,906 $ 40,000
Montgomery, New York 246 $ 13,207,000 $ 53,686 $ 46,000
Bradford, Pennsylvania 246 $ 20,022,000 $ 81,390 $ 41,000
Columbia, Pennsylvania 246 $ 22,636,000 $ 92,016 $ 47,000
Bonneville, Idaho 245 $ 22,334,000 $ 91,159 $ 51,000
Canyon, Idaho 245 $ 22,096,000 $ 90,187 $ 48,000
Douglas, Kansas 245 $ 26,128,000 $ 106,644 $ 59,000
Jefferson, Ohio 245 $ 16,536,000 $ 67,493 $ 41,000
Cabell, West Virginia 244 $ 16,626,000 $ 68,139 $ 45,000
Iredell, North Carolina 243 $ 17,646,000 $ 72,617 $ 42,000
Lawrence, Pennsylvania 243 $ 19,332,000 $ 79,555 $ 53,000
Wagoner, Oklahoma 242 $ 21,302,000 $ 88,024 $ 62,000
Salem, New Jersey 241 $ 18,642,000 $ 77,352 $ 56,000
McLennan, Texas 241 $ 12,289,000 $ 50,991 $ 43,000
Tompkins, New York 240 $ 19,697,000 $ 82,070 $ 53,000
Brazoria, Texas 240 $ 10,859,000 $ 45,245 $ 61,000
Vigo, Indiana 239 $ 19,271,000 $ 80,631 $ 51,000
Richland, South Carolina 238 $ 20,304,000 $ 85,310 $ 53,000
Carter, Oklahoma 237 $ 15,225,000 $ 64,240 $ 45,000
Madison, Tennessee 236 $ 20,852,000 $ 88,355 $ 71,000
Wichita, Texas 236 $ 6,092,000 $ 25,813 $ 51,000
Mesa, Colorado 234 $ 25,144,000 $ 107,452 $ 51,000
Manatee, Florida 234 $ 25,139,000 $ 107,431 $ 50,000
Macon, Illinois 234 $ 13,484,000 $ 57,623 $ 45,000
Horry, South Carolina 233 $ 17,285,000 $ 74,184 $ 48,000
Kennebec, Maine 232 $ 19,439,000 $ 83,788 $ 56,000
Spartanburg, South Carolina 232 $ 18,960,000 $ 81,724 $ 51,000
Galveston, Texas 232 $ 12,426,000 $ 53,560 $ 58,000
Montgomery, Virginia 232 $ 24,021,000 $ 103,538 $ 49,000
Sonoma, California 231 $ 44,872,000 $ 194,251 $ 79,000
Cass, Missouri 231 $ 22,380,000 $ 96,883 $ 65,000
Morgan, Indiana 230 $ 25,565,000 $ 111,152 $ 47,000
Franklin, Missouri 230 $ 24,005,000 $ 104,369 $ 52,000
Darke, Ohio 230 $ 21,846,000 $ 94,982 $ 41,000
Shelby, Ohio 230 $ 21,789,000 $ 94,734 $ 70,000
Berkeley, South Carolina 230 $ 18,417,000 $ 80,073 $ 55,000
Hamblen, Tennessee 229 $ 21,905,000 $ 95,655 $ 57,000
Rutherford, Tennessee 228 $ 24,571,000 $ 107,767 $ 53,000
Litchfield, Connecticut 227 $ 24,700,000 $ 108,810 $ 62,000
Herkimer, New York 227 $ 13,438,000 $ 59,198 $ 52,000
Hale, Texas 227 $ 6,593,000 $ 29,044 $ 53,000
McCracken, Kentucky 226 $ 17,151,000 $ 75,889 $ 48,000
Lewis and Clark, Montana 226 $ 28,017,000 $ 123,969 $ 56,000
Belmont, Ohio 226 $ 15,208,000 $ 67,292 $ 44,000
St. Mary's, Maryland 225 $ 29,941,000 $ 133,071 $ 64,000
Logan, Ohio 225 $ 20,436,000 $ 90,826 $ 52,000
Osage, Oklahoma 224 $ 16,079,000 $ 71,781 $ 49,000
Cole, Missouri 223 $ 20,028,000 $ 89,811 $ 41,000
Roanoke, Virginia 222 $ 26,185,000 $ 117,950 $ 55,000
Carroll, Maryland 221 $ 32,674,000 $ 147,846 $ 70,000
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Mortgage Loan Application Detail Totals for Beneficial 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) 337,265 $40,629,312,000 $123,130 $3,900,000 $56,826 $1,150,000
Home Improvement (one-to-four family) 98,311 $1,857,688,000 $17,255 $590,000 $51,808 $1,400,000
Home Purchase (one-to-four family) 339 $29,162,000 $93,647 $700,000 $59,352 $912,000
Multifamily dwelling (home purchase, home improvement, and refinancings) 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
White 177,725 $16,808,637,000 $100,934 $3,900,000 $56,152 $1,400,000
Information not provided by applicant in mail or telephone application 166,750 $17,139,386,000 $100,553 $2,660,000 $54,957 $1,164,000
Black 42,809 $3,848,707,000 $98,695 $1,250,000 $55,152 $1,200,000
Hispanic 34,142 $2,942,673,000 $89,311 $1,400,000 $53,488 $960,000
Other 8,468 $997,649,000 $104,630 $3,100,000 $63,500 $1,080,000
Asian or Pacific Islander 4,260 $648,040,000 $108,021 $700,000 $60,956 $951,000
American Indian or Alaskan Native 1,761 $131,070,000 $69,568 $560,000 $51,045 $1,305,000
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) 435,915 $42,516,162,000 $98,319 $3,900,000 $54,382 $1,400,000
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
Application Denied By Financial Institution 202,669 $18,245,845,000 $92,914 $2,100,000 $50,978 $1,305,000
Application Withdrawn By Applicant 168,991 $18,927,926,000 $109,212 $3,900,000 $56,446 $1,400,000
Loan Originated 57,531 $4,994,675,000 $89,239 $764,000 $56,869 $1,164,000
Application Approved But Not Accepted 4,949 $145,895,000 $29,608 $525,000 $54,934 $780,000
File Closed For Incompleteness 1,775 $201,821,000 $125,608 $580,000 $64,195 $516,000
Loan Purchased By The 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 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Credit History 0 $0 $0 $0 $0 $0
Debt-To-Income Ratio 0 $0 $0 $0 $0 $0
Employment History 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
Other 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Beneficial'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 Beneficial'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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