Beneficial Mortgage Lending & HMDA Data, 2004
In 2004, Beneficial of Elmhurst, IL reported 624,937 mortgage applications totaling $64.5 billion, up 43% from 2003. The average application was for $103,199, and applicants reported an average income of $57,011. 13% of its applications resulted in an originated loan and 51% were denied. Its largest markets were Pittsburgh, PA (11,036), Los Angeles-Long Beach-Glendale, CA (10,902) and Houston-Baytown-Sugar Land, TX (10,721) (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 | 624,937 |
| Total Mortgage Loan Application Amount | $64,493,389,000 |
| Average Mortgage Loan Application Amount | $103,199 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $57,011 |
| Highest Applicant Income | $1,572,000 |
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Act (HMDA) records Beneficial filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Pittsburgh, PA | 11,036 | $ 878,243,000 | $ 79,579 | $ 52,000 |
| Los Angeles-Long Beach-Glendale, CA | 10,902 | $ 1,919,779,000 | $ 176,094 | $ 78,000 |
| Houston-Baytown-Sugar Land, TX | 10,721 | $ 669,295,000 | $ 62,428 | $ 60,000 |
| Riverside-San Bernardino-Ontario, CA | 10,267 | $ 1,559,490,000 | $ 151,893 | $ 72,000 |
| Atlanta-Sandy Springs-Marietta, GA | 8,153 | $ 805,792,000 | $ 98,833 | $ 62,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 7,713 | $ 1,394,902,000 | $ 180,850 | $ 73,000 |
| Columbus, OH | 7,643 | $ 849,700,000 | $ 111,173 | $ 59,000 |
| New York-Wayne-White Plains, NY-NJ | 7,547 | $ 1,189,520,000 | $ 157,614 | $ 77,000 |
| Philadelphia, PA | 6,280 | $ 623,903,000 | $ 99,347 | $ 60,000 |
| Chicago-Naperville-Joliet, IL | 6,227 | $ 858,570,000 | $ 137,878 | $ 69,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 6,155 | $ 642,645,000 | $ 104,410 | $ 57,000 |
| Rochester, NY | 5,919 | $ 454,853,000 | $ 76,846 | $ 50,000 |
| Dallas-Plano-Irving, TX | 5,864 | $ 431,307,000 | $ 73,551 | $ 62,000 |
| Cleveland-Elyria-Mentor, OH | 5,645 | $ 530,070,000 | $ 93,900 | $ 54,000 |
| Phoenix-Mesa-Scottsdale, AZ | 5,569 | $ 598,607,000 | $ 107,489 | $ 60,000 |
| Baltimore-Towson, MD | 5,300 | $ 655,576,000 | $ 123,693 | $ 66,000 |
| Tulsa, OK | 5,192 | $ 450,479,000 | $ 86,764 | $ 51,000 |
| Indianapolis, IN | 5,082 | $ 547,731,000 | $ 107,778 | $ 59,000 |
| St. Louis, MO-IL | 4,914 | $ 494,351,000 | $ 100,600 | $ 55,000 |
| Nassau-Suffolk, NY | 4,630 | $ 689,857,000 | $ 148,997 | $ 84,000 |
| Buffalo-Niagara Falls, NY | 4,502 | $ 314,978,000 | $ 69,964 | $ 51,000 |
| Seattle-Bellevue-Everett, WA | 4,371 | $ 690,689,000 | $ 158,016 | $ 75,000 |
| Cincinnati-Middletown, OH-KY-IN | 4,131 | $ 408,709,000 | $ 98,937 | $ 59,000 |
| San Antonio, TX | 3,999 | $ 167,313,000 | $ 41,838 | $ 53,000 |
| Richmond, VA | 3,970 | $ 403,223,000 | $ 101,567 | $ 52,000 |
| Oakland-Fremont-Hayward, CA | 3,920 | $ 926,208,000 | $ 236,277 | $ 87,000 |
| Denver-Aurora, CO | 3,890 | $ 559,619,000 | $ 143,860 | $ 70,000 |
| Kansas City, MO-KS | 3,664 | $ 320,833,000 | $ 87,563 | $ 54,000 |
| San Diego-Carlsbad-San Marcos, CA | 3,664 | $ 758,271,000 | $ 206,951 | $ 82,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3,598 | $ 349,502,000 | $ 97,137 | $ 55,000 |
| Edison, NJ | 3,581 | $ 553,172,000 | $ 154,474 | $ 81,000 |
| Oklahoma City, OK | 3,550 | $ 303,959,000 | $ 85,622 | $ 52,000 |
| New Orleans-Metairie-Kenner, LA | 3,416 | $ 314,631,000 | $ 92,105 | $ 54,000 |
| Newark-Union, NJ-PA | 3,385 | $ 430,135,000 | $ 127,070 | $ 80,000 |
| El Paso, TX | 3,384 | $ 148,958,000 | $ 44,018 | $ 52,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3,360 | $ 577,641,000 | $ 171,916 | $ 67,000 |
| Portland-Vancouver-Beaverton, OR-WA | 3,224 | $ 477,109,000 | $ 147,986 | $ 70,000 |
| Albuquerque, NM | 3,107 | $ 297,671,000 | $ 95,806 | $ 57,000 |
| Fort Worth-Arlington, TX | 3,081 | $ 187,959,000 | $ 61,005 | $ 56,000 |
| Detroit-Livonia-Dearborn, MI | 3,074 | $ 224,627,000 | $ 73,073 | $ 51,000 |
| Syracuse, NY | 2,960 | $ 201,767,000 | $ 68,164 | $ 54,000 |
| Jacksonville, FL | 2,924 | $ 297,571,000 | $ 101,768 | $ 56,000 |
| Camden, NJ | 2,838 | $ 269,206,000 | $ 94,857 | $ 63,000 |
| Nashville-Davidson--Murfreesboro, TN | 2,728 | $ 301,111,000 | $ 110,377 | $ 57,000 |
| Wichita, KS | 2,682 | $ 197,556,000 | $ 73,659 | $ 52,000 |
| Las Vegas-Paradise, NV | 2,658 | $ 328,958,000 | $ 123,761 | $ 60,000 |
| Santa Ana-Anaheim-Irvine, CA | 2,653 | $ 562,631,000 | $ 212,073 | $ 94,000 |
| Charlotte-Gastonia-Concord, NC-SC | 2,613 | $ 253,179,000 | $ 96,892 | $ 55,000 |
| Dayton, OH | 2,597 | $ 238,055,000 | $ 91,665 | $ 52,000 |
| Stockton, CA | 2,552 | $ 471,418,000 | $ 184,724 | $ 70,000 |
| Harrisburg-Carlisle, PA | 2,435 | $ 231,922,000 | $ 95,245 | $ 53,000 |
| Erie, PA | 2,415 | $ 183,568,000 | $ 76,011 | $ 47,000 |
| Bakersfield, CA | 2,345 | $ 237,377,000 | $ 101,226 | $ 65,000 |
| Warren-Farmington Hills-Troy, MI | 2,293 | $ 280,027,000 | $ 122,122 | $ 65,000 |
| Greensboro-High Point, NC | 2,280 | $ 208,322,000 | $ 91,369 | $ 51,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 2,276 | $ 289,526,000 | $ 127,208 | $ 71,000 |
| Honolulu, HI | 2,197 | $ 443,747,000 | $ 201,978 | $ 70,000 |
| Toledo, OH | 2,192 | $ 187,042,000 | $ 85,329 | $ 55,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2,128 | $ 224,500,000 | $ 105,498 | $ 54,000 |
| Corpus Christi, TX | 2,112 | $ 115,757,000 | $ 54,809 | $ 54,000 |
| Orlando, FL | 2,072 | $ 210,824,000 | $ 101,749 | $ 55,000 |
| Austin-Round Rock, TX | 2,059 | $ 172,553,000 | $ 83,804 | $ 62,000 |
| Memphis, TN-MS-AR | 2,042 | $ 178,418,000 | $ 87,374 | $ 59,000 |
| Akron, OH | 2,025 | $ 190,164,000 | $ 93,908 | $ 52,000 |
| Salt Lake City, UT | 2,012 | $ 240,147,000 | $ 119,357 | $ 57,000 |
| Albany-Schenectady-Troy, NY | 1,970 | $ 143,774,000 | $ 72,981 | $ 54,000 |
| Canton-Massillon, OH | 1,955 | $ 179,284,000 | $ 91,705 | $ 49,000 |
| Fort Wayne, IN | 1,936 | $ 172,201,000 | $ 88,946 | $ 48,000 |
| Tacoma, WA | 1,935 | $ 276,029,000 | $ 142,650 | $ 70,000 |
| Louisville, KY-IN | 1,931 | $ 202,554,000 | $ 104,895 | $ 52,000 |
| Vallejo-Fairfield, CA | 1,874 | $ 406,677,000 | $ 217,010 | $ 77,000 |
| Wilmington, DE-MD-NJ | 1,854 | $ 221,235,000 | $ 119,328 | $ 62,000 |
| Miami-Miami Beach-Kendall, FL | 1,834 | $ 191,841,000 | $ 104,602 | $ 64,000 |
| Scranton--Wilkes-Barre, PA | 1,741 | $ 145,665,000 | $ 83,667 | $ 48,000 |
| New Haven-Milford, CT | 1,693 | $ 183,886,000 | $ 108,615 | $ 59,000 |
| Fresno, CA | 1,669 | $ 203,793,000 | $ 122,104 | $ 60,000 |
| Youngstown-Warren-Boardman, OH-PA | 1,569 | $ 117,803,000 | $ 75,081 | $ 46,000 |
| Omaha-Council Bluffs, NE-IA | 1,554 | $ 147,530,000 | $ 94,935 | $ 53,000 |
| Lynchburg, VA | 1,551 | $ 127,155,000 | $ 81,982 | $ 45,000 |
| Lakeland, FL | 1,532 | $ 122,456,000 | $ 79,932 | $ 49,000 |
| Bethesda-Frederick-Gaithersburg, MD | 1,501 | $ 239,735,000 | $ 159,716 | $ 77,000 |
| Portland-South Portland-Biddeford, ME | 1,437 | $ 181,379,000 | $ 126,220 | $ 56,000 |
| Utica-Rome, NY | 1,437 | $ 87,530,000 | $ 60,911 | $ 46,000 |
| Roanoke, VA | 1,428 | $ 149,016,000 | $ 104,352 | $ 52,000 |
| Fayetteville, NC | 1,422 | $ 104,961,000 | $ 73,812 | $ 52,000 |
| Lancaster, PA | 1,411 | $ 153,802,000 | $ 109,002 | $ 51,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1,406 | $ 307,460,000 | $ 218,677 | $ 85,000 |
| Raleigh-Cary, NC | 1,399 | $ 159,715,000 | $ 114,163 | $ 57,000 |
| Reading, PA | 1,383 | $ 134,346,000 | $ 97,140 | $ 47,000 |
| Hartford-West Hartford-East Hartford, CT | 1,379 | $ 152,757,000 | $ 110,773 | $ 62,000 |
| Modesto, CA | 1,373 | $ 210,677,000 | $ 153,442 | $ 62,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1,347 | $ 170,619,000 | $ 126,665 | $ 63,000 |
| Visalia-Porterville, CA | 1,338 | $ 127,069,000 | $ 94,969 | $ 56,000 |
| Springfield, MA | 1,298 | $ 130,405,000 | $ 100,466 | $ 55,000 |
| Hickory-Lenoir-Morganton, NC | 1,277 | $ 120,566,000 | $ 94,413 | $ 47,000 |
| Boise City-Nampa, ID | 1,258 | $ 115,531,000 | $ 91,837 | $ 50,000 |
| Durham, NC | 1,242 | $ 131,768,000 | $ 106,093 | $ 55,000 |
| Rockingham County-Strafford County, NH | 1,210 | $ 144,262,000 | $ 119,224 | $ 68,000 |
| Milwaukee-Waukesha-West Allis, WI | 1,192 | $ 107,781,000 | $ 90,420 | $ 61,000 |
| Springfield, MO | 1,186 | $ 98,465,000 | $ 83,022 | $ 50,000 |
| Baton Rouge, LA | 1,180 | $ 113,797,000 | $ 96,438 | $ 55,000 |
| Providence-New Bedford-Fall River, RI-MA | 1,163 | $ 139,069,000 | $ 119,577 | $ 59,000 |
| Charleston-North Charleston, SC | 1,150 | $ 93,051,000 | $ 80,913 | $ 52,000 |
| San Francisco-San Mateo-Redwood City, CA | 1,131 | $ 327,048,000 | $ 289,167 | $ 97,000 |
| Tucson, AZ | 1,128 | $ 100,027,000 | $ 88,676 | $ 51,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1,121 | $ 288,553,000 | $ 257,406 | $ 95,000 |
| Charleston, WV | 1,119 | $ 81,842,000 | $ 73,138 | $ 55,000 |
| Colorado Springs, CO | 1,119 | $ 119,879,000 | $ 107,130 | $ 58,000 |
| Augusta-Richmond County, GA-SC | 1,117 | $ 91,797,000 | $ 82,181 | $ 57,000 |
| Evansville, IN-KY | 1,113 | $ 87,719,000 | $ 78,813 | $ 52,000 |
| York-Hanover, PA | 1,112 | $ 118,480,000 | $ 106,546 | $ 52,000 |
| Boston-Quincy, MA | 1,110 | $ 195,135,000 | $ 175,797 | $ 74,000 |
| Brownsville-Harlingen, TX | 1,098 | $ 41,961,000 | $ 38,215 | $ 55,000 |
| Worcester, MA | 1,097 | $ 171,672,000 | $ 156,492 | $ 63,000 |
| Salisbury, MD | 1,092 | $ 106,228,000 | $ 97,278 | $ 45,000 |
| Spokane, WA | 1,085 | $ 108,583,000 | $ 100,076 | $ 60,000 |
| Knoxville, TN | 1,079 | $ 95,925,000 | $ 88,901 | $ 49,000 |
| Killeen-Temple-Fort Hood, TX | 1,075 | $ 59,269,000 | $ 55,133 | $ 53,000 |
| Savannah, GA | 1,069 | $ 101,418,000 | $ 94,871 | $ 55,000 |
| El Centro, CA | 1,046 | $ 111,074,000 | $ 106,189 | $ 60,000 |
| Kokomo, IN | 1,046 | $ 56,318,000 | $ 53,841 | $ 58,000 |
| Binghamton, NY | 1,012 | $ 63,956,000 | $ 63,197 | $ 59,000 |
| Gary, IN | 1,010 | $ 80,020,000 | $ 79,227 | $ 60,000 |
| Sioux Falls, SD | 1,006 | $ 110,400,000 | $ 109,741 | $ 55,000 |
| Cambridge-Newton-Framingham, MA | 994 | $ 177,848,000 | $ 178,921 | $ 78,000 |
| Lexington-Fayette, KY | 970 | $ 99,807,000 | $ 102,893 | $ 52,000 |
| McAllen-Edinburg-Pharr, TX | 969 | $ 37,085,000 | $ 38,271 | $ 46,000 |
| Shreveport-Bossier City, LA | 943 | $ 73,942,000 | $ 78,411 | $ 50,000 |
| Essex County, MA | 940 | $ 174,150,000 | $ 185,265 | $ 71,000 |
| Ogden-Clearfield, UT | 924 | $ 114,056,000 | $ 123,437 | $ 59,000 |
| Hagerstown-Martinsburg, MD-WV | 923 | $ 106,881,000 | $ 115,797 | $ 57,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 909 | $ 78,972,000 | $ 86,877 | $ 59,000 |
| Manchester-Nashua, NH | 897 | $ 112,029,000 | $ 124,892 | $ 63,000 |
| Springfield, OH | 880 | $ 78,414,000 | $ 89,106 | $ 47,000 |
| Johnstown, PA | 877 | $ 59,360,000 | $ 67,685 | $ 43,000 |
| Winchester, VA-WV | 870 | $ 117,329,000 | $ 134,860 | $ 64,000 |
| Lubbock, TX | 865 | $ 29,699,000 | $ 34,334 | $ 46,000 |
| Kingston, NY | 860 | $ 99,078,000 | $ 115,206 | $ 54,000 |
| Asheville, NC | 842 | $ 80,450,000 | $ 95,546 | $ 50,000 |
| Mansfield, OH | 838 | $ 65,620,000 | $ 78,305 | $ 54,000 |
| Farmington, NM | 837 | $ 75,359,000 | $ 90,034 | $ 56,000 |
| Blacksburg-Christiansburg-Radford, VA | 829 | $ 75,754,000 | $ 91,379 | $ 53,000 |
| Flint, MI | 820 | $ 73,148,000 | $ 89,204 | $ 52,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 816 | $ 177,965,000 | $ 218,094 | $ 73,000 |
| Las Cruces, NM | 813 | $ 68,676,000 | $ 84,472 | $ 50,000 |
| Lawton, OK | 806 | $ 59,942,000 | $ 74,369 | $ 54,000 |
| Reno-Sparks, NV | 806 | $ 135,766,000 | $ 168,444 | $ 61,000 |
| Williamsport, PA | 804 | $ 68,901,000 | $ 85,697 | $ 48,000 |
| Winston-Salem, NC | 801 | $ 74,213,000 | $ 92,650 | $ 53,000 |
| Chico, CA | 798 | $ 86,176,000 | $ 107,989 | $ 63,000 |
| Atlantic City, NJ | 786 | $ 66,563,000 | $ 84,685 | $ 55,000 |
| Joplin, MO | 773 | $ 51,152,000 | $ 66,173 | $ 41,000 |
| Des Moines, IA | 769 | $ 65,657,000 | $ 85,379 | $ 53,000 |
| Redding, CA | 769 | $ 94,741,000 | $ 123,200 | $ 53,000 |
| Danville, VA | 764 | $ 56,119,000 | $ 73,454 | $ 44,000 |
| Greeley, CO | 744 | $ 86,963,000 | $ 116,885 | $ 56,000 |
| Trenton-Ewing, NJ | 740 | $ 77,848,000 | $ 105,200 | $ 63,000 |
| Yakima, WA | 740 | $ 71,982,000 | $ 97,272 | $ 51,000 |
| Tallahassee, FL | 739 | $ 57,603,000 | $ 77,947 | $ 55,000 |
| Peoria, IL | 738 | $ 61,918,000 | $ 83,899 | $ 51,000 |
| Merced, CA | 735 | $ 113,364,000 | $ 154,236 | $ 82,000 |
| Rockford, IL | 735 | $ 73,153,000 | $ 99,527 | $ 54,000 |
| Provo-Orem, UT | 732 | $ 79,475,000 | $ 108,572 | $ 55,000 |
| South Bend-Mishawaka, IN-MI | 727 | $ 55,944,000 | $ 76,951 | $ 49,000 |
| St. Joseph, MO-KS | 722 | $ 49,976,000 | $ 69,218 | $ 48,000 |
| Santa Rosa-Petaluma, CA | 717 | $ 168,678,000 | $ 235,255 | $ 85,000 |
| Charlottesville, VA | 708 | $ 78,668,000 | $ 111,112 | $ 48,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 707 | $ 69,865,000 | $ 98,818 | $ 53,000 |
| Pueblo, CO | 702 | $ 69,606,000 | $ 99,153 | $ 52,000 |
| Bridgeport-Stamford-Norwalk, CT | 687 | $ 71,570,000 | $ 104,177 | $ 78,000 |
| Altoona, PA | 686 | $ 43,736,000 | $ 63,755 | $ 45,000 |
| Salem, OR | 686 | $ 81,991,000 | $ 119,520 | $ 60,000 |
| Greenville, SC | 684 | $ 61,211,000 | $ 89,489 | $ 48,000 |
| Prescott, AZ | 673 | $ 65,095,000 | $ 96,723 | $ 51,000 |
| Topeka, KS | 670 | $ 52,272,000 | $ 78,017 | $ 52,000 |
| Palm Bay-Melbourne-Titusville, FL | 662 | $ 58,623,000 | $ 88,554 | $ 50,000 |
| Harrisonburg, VA | 659 | $ 73,291,000 | $ 111,215 | $ 53,000 |
| Lebanon, PA | 659 | $ 61,815,000 | $ 93,801 | $ 51,000 |
| Parkersburg-Marietta, WV-OH | 654 | $ 49,586,000 | $ 75,819 | $ 45,000 |
| Jefferson City, MO | 653 | $ 54,860,000 | $ 84,012 | $ 53,000 |
| Columbia, SC | 650 | $ 48,290,000 | $ 74,292 | $ 48,000 |
| San Luis Obispo-Paso Robles, CA | 648 | $ 143,168,000 | $ 220,938 | $ 75,000 |
| Columbia, MO | 644 | $ 55,174,000 | $ 85,673 | $ 51,000 |
| Glens Falls, NY | 640 | $ 42,000,000 | $ 65,625 | $ 54,000 |
| Lake County-Kenosha County, IL-WI | 636 | $ 79,277,000 | $ 124,649 | $ 65,000 |
| Elmira, NY | 633 | $ 35,911,000 | $ 56,731 | $ 48,000 |
| Lima, OH | 628 | $ 47,656,000 | $ 75,885 | $ 44,000 |
| Yuba City, CA | 624 | $ 86,316,000 | $ 138,326 | $ 65,000 |
| Dover, DE | 622 | $ 65,515,000 | $ 105,329 | $ 56,000 |
| Hanford-Corcoran, CA | 611 | $ 66,962,000 | $ 109,594 | $ 56,000 |
| Birmingham-Hoover, AL | 603 | $ 38,219,000 | $ 63,381 | $ 50,000 |
| Wilmington, NC | 599 | $ 46,014,000 | $ 76,818 | $ 55,000 |
| Sarasota-Bradenton-Venice, FL | 594 | $ 68,957,000 | $ 116,089 | $ 57,000 |
| Bloomington-Normal, IL | 591 | $ 67,109,000 | $ 113,551 | $ 59,000 |
| Anderson, IN | 590 | $ 50,152,000 | $ 85,003 | $ 48,000 |
| Burlington, NC | 586 | $ 61,286,000 | $ 104,583 | $ 53,000 |
| Salinas, CA | 585 | $ 105,306,000 | $ 180,010 | $ 79,000 |
| Grand Rapids-Wyoming, MI | 582 | $ 54,200,000 | $ 93,127 | $ 47,000 |
| Huntington-Ashland, WV-KY-OH | 577 | $ 42,636,000 | $ 73,892 | $ 46,000 |
| Lake Charles, LA | 557 | $ 43,211,000 | $ 77,578 | $ 53,000 |
| Owensboro, KY | 555 | $ 46,417,000 | $ 83,634 | $ 44,000 |
| Cumberland, MD-WV | 552 | $ 44,184,000 | $ 80,043 | $ 43,000 |
| Chattanooga, TN-GA | 548 | $ 47,888,000 | $ 87,386 | $ 49,000 |
| Vineland-Millville-Bridgeton, NJ | 548 | $ 37,584,000 | $ 68,583 | $ 53,000 |
| Elkhart-Goshen, IN | 547 | $ 47,128,000 | $ 86,157 | $ 50,000 |
| Cape Coral-Fort Myers, FL | 537 | $ 49,881,000 | $ 92,888 | $ 54,000 |
| Lafayette, IN | 529 | $ 49,985,000 | $ 94,489 | $ 54,000 |
| Mobile, AL | 523 | $ 46,590,000 | $ 89,082 | $ 62,000 |
| Waco, TX | 522 | $ 27,479,000 | $ 52,641 | $ 46,000 |
| Columbus, GA-AL | 520 | $ 43,948,000 | $ 84,515 | $ 56,000 |
| Clarksville, TN-KY | 516 | $ 45,095,000 | $ 87,393 | $ 64,000 |
| Laredo, TX | 512 | $ 32,150,000 | $ 62,792 | $ 50,000 |
| Ocala, FL | 512 | $ 37,802,000 | $ 73,832 | $ 52,000 |
| Johnson City, TN | 497 | $ 41,384,000 | $ 83,267 | $ 46,000 |
| Kingsport-Bristol-Bristol, TN-VA | 496 | $ 42,923,000 | $ 86,538 | $ 46,000 |
| Lansing-East Lansing, MI | 493 | $ 43,709,000 | $ 88,659 | $ 55,000 |
| Jackson, TN | 492 | $ 42,880,000 | $ 87,154 | $ 44,000 |
| Norwich-New London, CT | 489 | $ 47,710,000 | $ 97,566 | $ 61,000 |
| Longview, WA | 487 | $ 57,532,000 | $ 118,135 | $ 55,000 |
| Bremerton-Silverdale, WA | 484 | $ 58,965,000 | $ 121,828 | $ 70,000 |
| Rapid City, SD | 479 | $ 45,594,000 | $ 95,185 | $ 56,000 |
| Morgantown, WV | 474 | $ 36,214,000 | $ 76,400 | $ 44,000 |
| Fort Collins-Loveland, CO | 471 | $ 72,151,000 | $ 153,186 | $ 67,000 |
| Bend, OR | 469 | $ 70,680,000 | $ 150,703 | $ 71,000 |
| Muncie, IN | 467 | $ 39,024,000 | $ 83,563 | $ 46,000 |
| Duluth, MN-WI | 464 | $ 46,029,000 | $ 99,200 | $ 52,000 |
| Lafayette, LA | 461 | $ 39,663,000 | $ 86,036 | $ 54,000 |
| Montgomery, AL | 460 | $ 33,832,000 | $ 73,547 | $ 49,000 |
| Goldsboro, NC | 459 | $ 37,181,000 | $ 81,004 | $ 52,000 |
| Olympia, WA | 457 | $ 53,745,000 | $ 117,603 | $ 58,000 |
| Abilene, TX | 456 | $ 15,049,000 | $ 33,002 | $ 45,000 |
| Coeur D'Alene, ID | 456 | $ 42,144,000 | $ 92,421 | $ 55,000 |
| State College, PA | 448 | $ 44,412,000 | $ 99,133 | $ 51,000 |
| Houma-Bayou Cane-Thibodaux, LA | 446 | $ 36,351,000 | $ 81,504 | $ 49,000 |
| Amarillo, TX | 444 | $ 22,973,000 | $ 51,740 | $ 47,000 |
| Kennewick-Richland-Pasco, WA | 443 | $ 47,353,000 | $ 106,891 | $ 58,000 |
| Beaumont-Port Arthur, TX | 442 | $ 21,990,000 | $ 49,751 | $ 56,000 |
| Muskegon-Norton Shores, MI | 441 | $ 34,883,000 | $ 79,099 | $ 48,000 |
| Flagstaff, AZ | 436 | $ 59,904,000 | $ 137,394 | $ 73,000 |
| Great Falls, MT | 436 | $ 40,401,000 | $ 92,662 | $ 58,000 |
| Port St. Lucie-Fort Pierce, FL | 431 | $ 40,112,000 | $ 93,067 | $ 54,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 422 | $ 39,203,000 | $ 92,898 | $ 45,000 |
| Spartanburg, SC | 422 | $ 30,644,000 | $ 72,616 | $ 48,000 |
| Bangor, ME | 421 | $ 37,556,000 | $ 89,206 | $ 53,000 |
| Bloomington, IN | 418 | $ 43,032,000 | $ 102,947 | $ 47,000 |
| Lincoln, NE | 418 | $ 37,970,000 | $ 90,837 | $ 51,000 |
| Green Bay, WI | 414 | $ 44,797,000 | $ 108,205 | $ 53,000 |
| Morristown, TN | 412 | $ 38,134,000 | $ 92,558 | $ 47,000 |
| Boulder, CO | 411 | $ 78,283,000 | $ 190,469 | $ 74,000 |
| Rocky Mount, NC | 409 | $ 33,959,000 | $ 83,029 | $ 47,000 |
| Jacksonville, NC | 403 | $ 28,065,000 | $ 69,640 | $ 48,000 |
| Springfield, IL | 401 | $ 32,001,000 | $ 79,802 | $ 50,000 |
| Racine, WI | 399 | $ 38,819,000 | $ 97,290 | $ 54,000 |
| Billings, MT | 397 | $ 38,095,000 | $ 95,957 | $ 67,000 |
| Pittsfield, MA | 391 | $ 32,799,000 | $ 83,884 | $ 49,000 |
| Macon, GA | 389 | $ 35,156,000 | $ 90,375 | $ 54,000 |
| Wichita Falls, TX | 386 | $ 15,022,000 | $ 38,917 | $ 49,000 |
| Greenville, NC | 384 | $ 32,883,000 | $ 85,632 | $ 45,000 |
| Janesville, WI | 379 | $ 35,332,000 | $ 93,224 | $ 54,000 |
| Champaign-Urbana, IL | 378 | $ 35,974,000 | $ 95,169 | $ 63,000 |
| Pensacola-Ferry Pass-Brent, FL | 377 | $ 29,483,000 | $ 78,204 | $ 50,000 |
| Anderson, SC | 375 | $ 32,181,000 | $ 85,816 | $ 53,000 |
| Mount Vernon-Anacortes, WA | 371 | $ 49,359,000 | $ 133,043 | $ 57,000 |
| Santa Fe, NM | 370 | $ 51,758,000 | $ 139,886 | $ 54,000 |
| Elizabethtown, KY | 361 | $ 31,294,000 | $ 86,686 | $ 60,000 |
| Appleton, WI | 360 | $ 37,942,000 | $ 105,394 | $ 54,000 |
| Ithaca, NY | 355 | $ 28,086,000 | $ 79,115 | $ 56,000 |
| Decatur, IL | 350 | $ 21,578,000 | $ 61,651 | $ 48,000 |
| Lewiston-Auburn, ME | 350 | $ 34,587,000 | $ 98,820 | $ 48,000 |
| Grand Junction, CO | 349 | $ 38,996,000 | $ 111,736 | $ 47,000 |
| Panama City-Lynn Haven, FL | 349 | $ 33,274,000 | $ 95,340 | $ 45,000 |
| Rochester, MN | 346 | $ 45,746,000 | $ 132,213 | $ 64,000 |
| College Station-Bryan, TX | 342 | $ 20,557,000 | $ 60,108 | $ 52,000 |
| Wheeling, WV-OH | 336 | $ 18,202,000 | $ 54,172 | $ 43,000 |
| Auburn-Opelika, AL | 331 | $ 23,429,000 | $ 70,782 | $ 48,000 |
| Eau Claire, WI | 331 | $ 36,025,000 | $ 108,836 | $ 51,000 |
| Missoula, MT | 317 | $ 40,577,000 | $ 128,003 | $ 58,000 |
| Wenatchee, WA | 313 | $ 32,340,000 | $ 103,322 | $ 49,000 |
| Barnstable Town, MA | 312 | $ 43,432,000 | $ 139,205 | $ 59,000 |
| Fort Walton Beach-Crestview-Destin, FL | 308 | $ 28,845,000 | $ 93,652 | $ 51,000 |
| Idaho Falls, ID | 308 | $ 27,301,000 | $ 88,639 | $ 58,000 |
| Terre Haute, IN | 302 | $ 23,578,000 | $ 78,072 | $ 45,000 |
| Longview, TX | 301 | $ 16,759,000 | $ 55,677 | $ 52,000 |
| Bowling Green, KY | 300 | $ 23,613,000 | $ 78,710 | $ 47,000 |
| Florence, SC | 296 | $ 21,668,000 | $ 73,202 | $ 45,000 |
| Cedar Rapids, IA | 294 | $ 26,550,000 | $ 90,306 | $ 51,000 |
| Madera, CA | 293 | $ 36,278,000 | $ 123,815 | $ 64,000 |
| Sumter, SC | 293 | $ 20,645,000 | $ 70,460 | $ 46,000 |
| Waterloo-Cedar Falls, IA | 285 | $ 25,991,000 | $ 91,196 | $ 50,000 |
| Casper, WY | 280 | $ 26,023,000 | $ 92,939 | $ 48,000 |
| Tyler, TX | 274 | $ 15,176,000 | $ 55,386 | $ 54,000 |
| Lawrence, KS | 268 | $ 29,679,000 | $ 110,742 | $ 57,000 |
| Albany, GA | 266 | $ 17,180,000 | $ 64,586 | $ 49,000 |
| Sherman-Denison, TX | 265 | $ 17,028,000 | $ 64,256 | $ 58,000 |
| Madison, WI | 263 | $ 35,279,000 | $ 134,140 | $ 65,000 |
| Michigan City-La Porte, IN | 260 | $ 22,338,000 | $ 85,915 | $ 48,000 |
| Valdosta, GA | 260 | $ 20,501,000 | $ 78,850 | $ 48,000 |
| Weirton-Steubenville, WV-OH | 253 | $ 15,318,000 | $ 60,545 | $ 49,000 |
| Oshkosh-Neenah, WI | 251 | $ 26,203,000 | $ 104,394 | $ 49,000 |
| Sandusky, OH | 251 | $ 25,174,000 | $ 100,294 | $ 54,000 |
| Lewiston, ID-WA | 250 | $ 24,743,000 | $ 98,972 | $ 56,000 |
| Monroe, LA | 248 | $ 20,121,000 | $ 81,133 | $ 47,000 |
| Athens-Clarke County, GA | 242 | $ 23,363,000 | $ 96,541 | $ 52,000 |
| Hinesville-Fort Stewart, GA | 236 | $ 19,171,000 | $ 81,233 | $ 52,000 |
| Cheyenne, WY | 234 | $ 27,211,000 | $ 116,286 | $ 54,000 |
| Midland, TX | 232 | $ 8,173,000 | $ 35,228 | $ 43,000 |
| Bellingham, WA | 222 | $ 28,023,000 | $ 126,229 | $ 52,000 |
| Gainesville, FL | 216 | $ 17,028,000 | $ 78,833 | $ 48,000 |
| Punta Gorda, FL | 215 | $ 19,351,000 | $ 90,004 | $ 62,000 |
| Rome, GA | 215 | $ 10,639,000 | $ 49,483 | $ 47,000 |
| Odessa, TX | 213 | $ 6,895,000 | $ 32,370 | $ 46,000 |
| Danville, IL | 212 | $ 13,960,000 | $ 65,849 | $ 62,000 |
| St. Cloud, MN | 203 | $ 26,020,000 | $ 128,177 | $ 55,000 |
| Cleveland, TN | 194 | $ 14,418,000 | $ 74,319 | $ 45,000 |
| Warner Robins, GA | 194 | $ 15,989,000 | $ 82,417 | $ 54,000 |
| Brunswick, GA | 177 | $ 15,186,000 | $ 85,796 | $ 50,000 |
| Holland-Grand Haven, MI | 177 | $ 16,757,000 | $ 94,672 | $ 49,000 |
| Gainesville, GA | 175 | $ 17,458,000 | $ 99,760 | $ 59,000 |
| Wausau, WI | 175 | $ 17,276,000 | $ 98,720 | $ 51,000 |
| San Angelo, TX | 174 | $ 7,773,000 | $ 44,672 | $ 52,000 |
| Ocean City, NJ | 173 | $ 17,720,000 | $ 102,427 | $ 52,000 |
| Naples-Marco Island, FL | 172 | $ 21,211,000 | $ 123,319 | $ 59,000 |
| Fond Du Lac, WI | 164 | $ 20,357,000 | $ 124,128 | $ 59,000 |
| Niles-Benton Harbor, MI | 158 | $ 11,881,000 | $ 75,196 | $ 49,000 |
| Columbus, IN | 155 | $ 18,464,000 | $ 119,122 | $ 51,000 |
| Medford, OR | 155 | $ 19,137,000 | $ 123,464 | $ 53,000 |
| Saginaw-Saginaw Township North, MI | 155 | $ 12,484,000 | $ 80,541 | $ 56,000 |
| Carson City, NV | 152 | $ 17,436,000 | $ 114,710 | $ 63,000 |
| Victoria, TX | 150 | $ 8,251,000 | $ 55,006 | $ 61,000 |
| Santa Cruz-Watsonville, CA | 146 | $ 26,682,000 | $ 182,753 | $ 76,000 |
| Yuma, AZ | 146 | $ 13,228,000 | $ 90,602 | $ 51,000 |
| Sheboygan, WI | 141 | $ 15,928,000 | $ 112,964 | $ 54,000 |
| Monroe, MI | 140 | $ 15,412,000 | $ 110,085 | $ 62,000 |
| Napa, CA | 129 | $ 28,105,000 | $ 217,868 | $ 91,000 |
| Alexandria, LA | 123 | $ 10,109,000 | $ 82,186 | $ 53,000 |
| Eugene-Springfield, OR | 122 | $ 15,922,000 | $ 130,508 | $ 66,000 |
| La Crosse, WI-MN | 122 | $ 13,479,000 | $ 110,483 | $ 56,000 |
| Jackson, MI | 118 | $ 10,777,000 | $ 91,330 | $ 50,000 |
| Logan, UT-ID | 115 | $ 14,388,000 | $ 125,113 | $ 48,000 |
| Ann Arbor, MI | 114 | $ 12,763,000 | $ 111,956 | $ 57,000 |
| Corvallis, OR | 113 | $ 16,690,000 | $ 147,699 | $ 74,000 |
| Iowa City, IA | 109 | $ 11,863,000 | $ 108,834 | $ 59,000 |
| Vero Beach, FL | 106 | $ 8,872,000 | $ 83,698 | $ 60,000 |
| Texarkana, Tx-Texarkana, AR | 100 | $ 5,830,000 | $ 58,300 | $ 58,000 |
| Dalton, GA | 91 | $ 5,491,000 | $ 60,340 | $ 49,000 |
| Gadsden, AL | 89 | $ 5,187,000 | $ 58,280 | $ 48,000 |
| St. George, UT | 89 | $ 10,375,000 | $ 116,573 | $ 54,000 |
| Anniston-Oxford, AL | 86 | $ 5,236,000 | $ 60,883 | $ 52,000 |
| Burlington-South Burlington, VT | 81 | $ 8,305,000 | $ 102,530 | $ 70,000 |
| Ames, IA | 73 | $ 6,780,000 | $ 92,876 | $ 46,000 |
| Kankakee-Bradley, IL | 72 | $ 7,015,000 | $ 97,430 | $ 51,000 |
| Kalamazoo-Portage, MI | 67 | $ 5,049,000 | $ 75,358 | $ 51,000 |
| Davenport-Moline-Rock Island, IA-IL | 55 | $ 4,819,000 | $ 87,618 | $ 51,000 |
| Pocatello, ID | 46 | $ 4,048,000 | $ 88,000 | $ 53,000 |
| Battle Creek, MI | 44 | $ 3,175,000 | $ 72,159 | $ 55,000 |
| Bay City, MI | 27 | $ 2,165,000 | $ 80,185 | $ 116,000 |
| Huntsville, AL | 17 | $ 322,000 | $ 18,941 | $ 66,000 |
| Sioux City, IA-NE-SD | 14 | $ 718,000 | $ 51,285 | $ 40,000 |
| Florence-Muscle Shoals, AL | 13 | $ 270,000 | $ 20,769 | $ 49,000 |
| Tuscaloosa, AL | 13 | $ 543,000 | $ 41,769 | $ 64,000 |
| Dubuque, IA | 12 | $ 1,278,000 | $ 106,500 | $ 62,000 |
| Dothan, AL | 9 | $ 324,000 | $ 36,000 | $ 53,000 |
| Decatur, AL | 7 | $ 193,000 | $ 27,571 | $ 77,000 |
| Pascagoula, MS | 2 | $ 15,000 | $ 7,500 | $ 57,000 |
| Anchorage, AK | 1 | $ 3,000 | $ 3,000 | $ 4,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 301,000 | $ 301,000 | $ 61,000 |
Mortgage Loan Application Detail Totals for Beneficial in 2004
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 | 482,446 | $58,252,109,000 | $125,479 | $1,000,000 | $57,312 | $1,560,000 |
| Home Improvement | 142,189 | $6,214,663,000 | $36,200 | $1,000,000 | $51,540 | $1,572,000 |
| Home Purchase | 302 | $26,617,000 | $112,114 | $610,000 | $62,085 | $1,043,000 |
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 | 382,716 | $38,947,737,000 | $100,489 | $1,000,000 | $54,795 | $1,560,000 |
| Black or African American | 93,751 | $9,109,123,000 | $98,260 | $970,000 | $55,065 | $1,102,000 |
| Hispanic | 66,692 | $6,809,882,000 | $100,595 | $1,000,000 | $54,638 | $1,100,000 |
| Not Provided | 64,943 | $7,239,002,000 | $103,448 | $1,000,000 | $56,265 | $1,572,000 |
| Asian | 7,856 | $1,324,301,000 | $119,195 | $1,000,000 | $62,804 | $1,055,000 |
| American Indian or Alaskan Native | 4,495 | $349,836,000 | $73,212 | $756,000 | $53,851 | $1,164,000 |
| Native Hawaiian or Other Pacific Islander | 3,997 | $672,688,000 | $113,276 | $1,000,000 | $60,531 | $900,000 |
| Not applicable | 487 | $40,820,000 | $74,046 | $620,000 | $66,116 | $267,000 |
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) | 624,937 | $64,493,389,000 | $100,392 | $1,000,000 | $54,411 | $1,572,000 |
| 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 | 317,167 | $30,470,857,000 | $91,020 | $1,000,000 | $52,160 | $1,335,000 |
| Application Withdrawn By Applicant | 216,243 | $25,650,863,000 | $116,021 | $1,000,000 | $60,872 | $1,572,000 |
| Loan Originated | 81,252 | $7,729,003,000 | $95,437 | $846,000 | $58,604 | $970,000 |
| Application Approved But Not Accepted | 7,656 | $346,226,000 | $44,191 | $735,000 | $56,148 | $1,164,000 |
| File Closed For Incompleteness | 2,619 | $296,440,000 | $117,244 | $750,000 | $60,800 | $1,122,000 |
| Loan Purchased By The Institution | 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 |
|---|---|---|---|---|---|---|
| Credit History | 99,961 | $8,002,878,000 | $85,553 | $999,000 | $52,702 | $1,335,000 |
| Other | 96,132 | $10,277,532,000 | $100,244 | $1,000,000 | $54,469 | $1,200,000 |
| Credit Application Incomplete | 57,672 | $6,062,601,000 | $97,085 | $1,000,000 | $58,148 | $1,164,000 |
| Debt-To-Income Ratio | 35,034 | $3,474,286,000 | $96,875 | $900,000 | $36,750 | $720,000 |
| Collateral | 22,075 | $2,215,730,000 | $107,510 | $850,000 | $61,510 | $997,000 |
| Employment History | 1,438 | $119,146,000 | $86,170 | $650,000 | $61,617 | $620,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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 2004 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.
For a list of all lenders in Illinois, download the full spreadsheet
with aggregated HMDA statistics today.
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