Generations Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Generations Bank 2003 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Generations Bank Po Box 26467 Overland Park, KS 66225 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 588 |
| Total Mortgage Loan Application Amount | $94,953,000 |
| Average Mortgage Loan Application Amount | $165,985 |
| Highest Mortgage Loan Application Amount | $754,000 |
| Average Applicant Income | $116,432 |
| Highest Applicant Income | $900,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Generations Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Generations Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Generations Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Generations Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Generations Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Generations Bank's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Tulsa County Oklahoma | 41 | $ 5,274,000 | $ 128,000 | $ 107,000 |
| Brazos County Texas | 34 | $ 3,479,000 | $ 102,000 | $ 93,000 |
| Johnson County Kansas | 32 | $ 4,935,000 | $ 154,000 | $ 93,000 |
| Jackson County Missouri | 26 | $ 3,307,000 | $ 127,000 | $ 80,000 |
| Westchester County New York | 20 | $ 5,013,000 | $ 250,000 | $ 123,000 |
| Hartford County Connecticut | 17 | $ 3,718,000 | $ 218,000 | $ 115,000 |
| Adams County Colorado | 15 | $ 2,321,000 | $ 154,000 | $ 71,000 |
| San Diego County California | 10 | $ 2,356,000 | $ 235,000 | $ 146,000 |
| Oconee County South Carolina | 9 | $ 1,081,000 | $ 120,000 | $ 99,000 |
| Platte County Missouri | 8 | $ 977,000 | $ 122,000 | $ 116,000 |
| Dallas County Texas | 8 | $ 1,468,000 | $ 183,000 | $ 133,000 |
| Harris County Texas | 8 | $ 954,000 | $ 119,000 | $ 101,000 |
| Tarrant County Texas | 8 | $ 1,005,000 | $ 125,000 | $ 114,000 |
| New Haven County Connecticut | 7 | $ 934,000 | $ 133,000 | $ 108,000 |
| Clay County Missouri | 7 | $ 620,000 | $ 88,000 | $ 75,000 |
| St. Louis County Missouri | 6 | $ 1,143,000 | $ 190,000 | $ 108,000 |
| Suffolk County New York | 6 | $ 1,634,000 | $ 272,000 | $ 360,000 |
| Pickens County South Carolina | 6 | $ 1,063,000 | $ 177,000 | $ 100,000 |
| Fairfax County Virginia | 6 | $ 1,708,000 | $ 284,000 | $ 133,000 |
| Los Angeles County California | 5 | $ 900,000 | $ 180,000 | $ 76,000 |
| Windham County Connecticut | 5 | $ 634,000 | $ 126,000 | $ 93,000 |
| Erie County New York | 5 | $ 554,000 | $ 110,000 | $ 135,000 |
| Newport County Rhode Island | 5 | $ 706,000 | $ 141,000 | $ 102,000 |
| Douglas County Colorado | 4 | $ 604,000 | $ 151,000 | $ 86,000 |
| Wyandotte County Kansas | 4 | $ 326,000 | $ 81,000 | $ 69,000 |
| Nassau County New York | 4 | $ 825,000 | $ 206,000 | $ 100,000 |
| Anderson County South Carolina | 4 | $ 912,000 | $ 228,000 | $ 148,000 |
| Spartanburg County South Carolina | 4 | $ 497,000 | $ 124,000 | $ 48,000 |
| Shelby County Tennessee | 4 | $ 436,000 | $ 109,000 | $ 75,000 |
| Loudoun County Virginia | 4 | $ 855,000 | $ 213,000 | $ 95,000 |
| Maricopa County Arizona | 3 | $ 487,000 | $ 162,000 | $ 138,000 |
| Orange County California | 3 | $ 878,000 | $ 292,000 | $ 182,000 |
| Arapahoe County Colorado | 3 | $ 581,000 | $ 193,000 | $ 71,000 |
| Jefferson County Colorado | 3 | $ 566,000 | $ 188,000 | $ 82,000 |
| Fairfield County Connecticut | 3 | $ 1,190,000 | $ 396,000 | $ 147,000 |
| Litchfield County Connecticut | 3 | $ 350,000 | $ 116,000 | $ 64,000 |
| Middlesex County Connecticut | 3 | $ 426,000 | $ 142,000 | $ 99,000 |
| New London County Connecticut | 3 | $ 1,078,000 | $ 359,000 | $ 333,000 |
| Palm Beach County Florida | 3 | $ 623,000 | $ 207,000 | $ 136,000 |
| Montgomery County Maryland | 3 | $ 419,000 | $ 139,000 | $ 92,000 |
| Queens County New York | 3 | $ 700,000 | $ 233,000 | $ 67,000 |
| Cleveland County Oklahoma | 3 | $ 505,000 | $ 168,000 | $ 116,000 |
| Wagoner County Oklahoma | 3 | $ 617,000 | $ 205,000 | $ 115,000 |
| Washington County Rhode Island | 3 | $ 495,000 | $ 165,000 | $ 101,000 |
| Hamilton County Tennessee | 3 | $ 492,000 | $ 164,000 | $ 108,000 |
| Collin County Texas | 3 | $ 676,000 | $ 225,000 | $ 121,000 |
| Fort Bend County Texas | 3 | $ 229,000 | $ 76,000 | $ 80,000 |
| Contra Costa County California | 2 | $ 500,000 | $ 250,000 | $ 82,000 |
| Garfield County Colorado | 2 | $ 423,000 | $ 211,000 | $ 110,000 |
| Mesa County Colorado | 2 | $ 259,000 | $ 129,000 | $ 90,000 |
| Fayette County Georgia | 2 | $ 294,000 | $ 147,000 | $ 98,000 |
| Cook County Illinois | 2 | $ 647,000 | $ 323,000 | $ 102,000 |
| DuPage County Illinois | 2 | $ 217,000 | $ 108,000 | $ 56,000 |
| St. Clair County Illinois | 2 | $ 233,000 | $ 116,000 | $ 68,000 |
| Monroe County Indiana | 2 | $ 129,000 | $ 64,000 | $ 66,000 |
| Johnson County Iowa | 2 | $ 278,000 | $ 139,000 | $ 127,000 |
| Linn County Iowa | 2 | $ 359,000 | $ 179,000 | $ 169,000 |
| Bristol County Massachusetts | 2 | $ 649,000 | $ 324,000 | $ 107,000 |
| Hampden County Massachusetts | 2 | $ 275,000 | $ 137,000 | $ 108,000 |
| Middlesex County Massachusetts | 2 | $ 275,000 | $ 137,000 | $ 110,000 |
| Worcester County Massachusetts | 2 | $ 586,000 | $ 293,000 | $ 212,000 |
| Oakland County Michigan | 2 | $ 341,000 | $ 170,000 | $ 69,000 |
| Lowndes County Mississippi | 2 | $ 240,000 | $ 120,000 | $ 68,000 |
| St. Charles County Missouri | 2 | $ 505,000 | $ 252,000 | $ 116,000 |
| Burt County Nebraska | 2 | $ 112,000 | $ 56,000 | $ 55,000 |
| Essex County New Jersey | 2 | $ 422,000 | $ 211,000 | $ 80,000 |
| Dare County North Carolina | 2 | $ 665,000 | $ 332,000 | $ 131,000 |
| Iredell County North Carolina | 2 | $ 884,000 | $ 442,000 | $ 85,000 |
| Mecklenburg County North Carolina | 2 | $ 542,000 | $ 271,000 | $ 125,000 |
| Cuyahoga County Ohio | 2 | $ 168,000 | $ 84,000 | $ 33,000 |
| Oklahoma County Oklahoma | 2 | $ 148,000 | $ 74,000 | $ 30,000 |
| Bucks County Pennsylvania | 2 | $ 190,000 | $ 95,000 | $ 96,000 |
| Erie County Pennsylvania | 2 | $ 149,000 | $ 74,000 | $ 65,000 |
| Northumberland County Pennsylvania | 2 | $ 261,000 | $ 130,000 | $ 76,000 |
| Providence County Rhode Island | 2 | $ 167,000 | $ 83,000 | $ 38,000 |
| Aiken County South Carolina | 2 | $ 230,000 | $ 115,000 | $ 53,000 |
| Lexington County South Carolina | 2 | $ 105,000 | $ 52,000 | $ 33,000 |
| Bexar County Texas | 2 | $ 172,000 | $ 86,000 | $ 56,000 |
| Brazoria County Texas | 2 | $ 244,000 | $ 122,000 | $ 159,000 |
| Denton County Texas | 2 | $ 274,000 | $ 137,000 | $ 91,000 |
| Montgomery County Texas | 2 | $ 317,000 | $ 158,000 | $ 100,000 |
| Salt Lake County Utah | 2 | $ 227,000 | $ 113,000 | $ 141,000 |
| Portsmouth County Virginia | 2 | $ 390,000 | $ 195,000 | $ 219,000 |
| Prince William County Virginia | 2 | $ 360,000 | $ 180,000 | $ 132,000 |
| Kitsap County Washington | 2 | $ 602,000 | $ 301,000 | $ 256,000 |
| Houston County Alabama | 1 | $ 100,000 | $ 100,000 | $ 52,000 |
| Jefferson County Alabama | 1 | $ 20,000 | $ 20,000 | $ 18,000 |
| Mohave County Arizona | 1 | $ 126,000 | $ 126,000 | $ 100,000 |
| Benton County Arkansas | 1 | $ 375,000 | $ 375,000 | $ 188,000 |
| Boone County Arkansas | 1 | $ 30,000 | $ 30,000 | $ 176,000 |
| Columbia County Arkansas | 1 | $ 150,000 | $ 150,000 | $ 32,000 |
| Pope County Arkansas | 1 | $ 63,000 | $ 63,000 | $ 70,000 |
| Pulaski County Arkansas | 1 | $ 86,000 | $ 86,000 | $ 38,000 |
| Saline County Arkansas | 1 | $ 231,000 | $ 231,000 | $ 290,000 |
| Kern County California | 1 | $ 45,000 | $ 45,000 | $ 63,000 |
| San Francisco County California | 1 | $ 122,000 | $ 122,000 | $ 40,000 |
| San Mateo County California | 1 | $ 380,000 | $ 380,000 | $ 42,000 |
| Santa Barbara County California | 1 | $ 410,000 | $ 410,000 | $ 81,000 |
| Ventura County California | 1 | $ 197,000 | $ 197,000 | $ 66,000 |
| Boulder County Colorado | 1 | $ 192,000 | $ 192,000 | $ 33,000 |
| Montrose County Colorado | 1 | $ 141,000 | $ 141,000 | $ 80,000 |
| Weld County Colorado | 1 | $ 158,000 | $ 158,000 | $ 26,000 |
| Tolland County Connecticut | 1 | $ 83,000 | $ 83,000 | $ 32,000 |
| District of Columbia County District Of Columbia | 1 | $ 170,000 | $ 170,000 | $ 103,000 |
| Alachua County Florida | 1 | $ 152,000 | $ 152,000 | $ 99,000 |
| Brevard County Florida | 1 | $ 106,000 | $ 106,000 | $ 56,000 |
| Broward County Florida | 1 | $ 215,000 | $ 215,000 | $ 210,000 |
| Clay County Florida | 1 | $ 97,000 | $ 97,000 | $ 34,000 |
| Collier County Florida | 1 | $ 200,000 | $ 200,000 | $ 290,000 |
| Flagler County Florida | 1 | $ 146,000 | $ 146,000 | $ 80,000 |
| Hillsborough County Florida | 1 | $ 200,000 | $ 200,000 | $ 49,000 |
| Marion County Florida | 1 | $ 272,000 | $ 272,000 | $ 46,000 |
| Miami-Dade County Florida | 1 | $ 77,000 | $ 77,000 | $ 43,000 |
| Pinellas County Florida | 1 | $ 12,000 | $ 12,000 | $ 96,000 |
| Wakulla County Florida | 1 | $ 107,000 | $ 107,000 | $ 31,000 |
| Catoosa County Georgia | 1 | $ 218,000 | $ 218,000 | $ 176,000 |
| Chatham County Georgia | 1 | $ 14,000 | $ 14,000 | $ 48,000 |
| Cherokee County Georgia | 1 | $ 301,000 | $ 301,000 | $ 110,000 |
| Forsyth County Georgia | 1 | $ 215,000 | $ 215,000 | $ 64,000 |
| Fulton County Georgia | 1 | $ 547,000 | $ 547,000 | $ 170,000 |
| Thomas County Georgia | 1 | $ 90,000 | $ 90,000 | $ 35,000 |
| Champaign County Illinois | 1 | $ 163,000 | $ 163,000 | $ 104,000 |
| Henry County Illinois | 1 | $ 156,000 | $ 156,000 | $ 127,000 |
| Knox County Illinois | 1 | $ 210,000 | $ 210,000 | $ 132,000 |
| Hamilton County Indiana | 1 | $ 200,000 | $ 200,000 | $ 190,000 |
| Black Hawk County Iowa | 1 | $ 111,000 | $ 111,000 | $ 53,000 |
| Douglas County Kansas | 1 | $ 153,000 | $ 153,000 | $ 132,000 |
| Ellis County Kansas | 1 | $ 75,000 | $ 75,000 | $ 47,000 |
| Franklin County Kansas | 1 | $ 100,000 | $ 100,000 | $ 25,000 |
| Labette County Kansas | 1 | $ 100,000 | $ 100,000 | $ 36,000 |
| Leavenworth County Kansas | 1 | $ 320,000 | $ 320,000 | $ 182,000 |
| Marshall County Kansas | 1 | $ 75,000 | $ 75,000 | $ 34,000 |
| Riley County Kansas | 1 | $ 100,000 | $ 100,000 | $ 96,000 |
| Sedgwick County Kansas | 1 | $ 115,000 | $ 115,000 | $ 49,000 |
| Shawnee County Kansas | 1 | $ 77,000 | $ 77,000 | $ 21,000 |
| Caddo County Louisiana | 1 | $ 15,000 | $ 15,000 | $ 90,000 |
| Lincoln County Louisiana | 1 | $ 85,000 | $ 85,000 | $ 60,000 |
| Rapides County Louisiana | 1 | $ 103,000 | $ 103,000 | $ 73,000 |
| Cumberland County Maine | 1 | $ 158,000 | $ 158,000 | $ 110,000 |
| Frederick County Maryland | 1 | $ 288,000 | $ 288,000 | $ 127,000 |
| Wicomico County Maryland | 1 | $ 76,000 | $ 76,000 | $ 30,000 |
| Worcester County Maryland | 1 | $ 131,000 | $ 131,000 | $ 96,000 |
| Berkshire County Massachusetts | 1 | $ 220,000 | $ 220,000 | $ 204,000 |
| Kalamazoo County Michigan | 1 | $ 224,000 | $ 224,000 | $ 49,000 |
| Hennepin County Minnesota | 1 | $ 200,000 | $ 200,000 | $ 75,000 |
| Lafayette County Mississippi | 1 | $ 150,000 | $ 150,000 | $ 92,000 |
| Walthall County Mississippi | 1 | $ 75,000 | $ 75,000 | $ 51,000 |
| Boone County Missouri | 1 | $ 57,000 | $ 57,000 | $ 15,000 |
| Buchanan County Missouri | 1 | $ 100,000 | $ 100,000 | $ 38,000 |
| Cass County Missouri | 1 | $ 156,000 | $ 156,000 | $ 79,000 |
| Greene County Missouri | 1 | $ 52,000 | $ 52,000 | $ 64,000 |
| Madison County Missouri | 1 | $ 100,000 | $ 100,000 | $ 31,000 |
| Mercer County Missouri | 1 | $ 150,000 | $ 150,000 | $ 60,000 |
| Moniteau County Missouri | 1 | $ 20,000 | $ 20,000 | $ 27,000 |
| Taney County Missouri | 1 | $ 55,000 | $ 55,000 | $ 25,000 |
| Warren County Missouri | 1 | $ 100,000 | $ 100,000 | $ 36,000 |
| Sarpy County Nebraska | 1 | $ 284,000 | $ 284,000 | $ 118,000 |
| Belknap County New Hampshire | 1 | $ 159,000 | $ 159,000 | $ 75,000 |
| Cheshire County New Hampshire | 1 | $ 165,000 | $ 165,000 | $ 580,000 |
| Bergen County New Jersey | 1 | $ 215,000 | $ 215,000 | $ 175,000 |
| Burlington County New Jersey | 1 | $ 500,000 | $ 500,000 | $ 535,000 |
| Monmouth County New Jersey | 1 | $ 216,000 | $ 216,000 | $ 403,000 |
| Bernalillo County New Mexico | 1 | $ 192,000 | $ 192,000 | $ 78,000 |
| Dutchess County New York | 1 | $ 133,000 | $ 133,000 | $ 42,000 |
| Essex County New York | 1 | $ 122,000 | $ 122,000 | $ 155,000 |
| Herkimer County New York | 1 | $ 64,000 | $ 64,000 | $ 22,000 |
| Kings County New York | 1 | $ 216,000 | $ 216,000 | $ 151,000 |
| Orange County New York | 1 | $ 305,000 | $ 305,000 | $ 52,000 |
| Putnam County New York | 1 | $ 207,000 | $ 207,000 | $ 73,000 |
| Rockland County New York | 1 | $ 185,000 | $ 185,000 | $ 120,000 |
| St. Lawrence County New York | 1 | $ 70,000 | $ 70,000 | $ 18,000 |
| Durham County North Carolina | 1 | $ 217,000 | $ 217,000 | $ 100,000 |
| Guilford County North Carolina | 1 | $ 217,000 | $ 217,000 | $ 52,000 |
| Macon County North Carolina | 1 | $ 180,000 | $ 180,000 | $ 168,000 |
| Sampson County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 490,000 |
| Hamilton County Ohio | 1 | $ 101,000 | $ 101,000 | $ 47,000 |
| Montgomery County Ohio | 1 | $ 100,000 | $ 100,000 | $ 29,000 |
| Stark County Ohio | 1 | $ 323,000 | $ 323,000 | $ 91,000 |
| Warren County Ohio | 1 | $ 56,000 | $ 56,000 | $ 100,000 |
| Bryan County Oklahoma | 1 | $ 35,000 | $ 35,000 | $ 89,000 |
| Osage County Oklahoma | 1 | $ 424,000 | $ 424,000 | $ 144,000 |
| Payne County Oklahoma | 1 | $ 87,000 | $ 87,000 | $ 46,000 |
| Rogers County Oklahoma | 1 | $ 225,000 | $ 225,000 | $ 100,000 |
| Jackson County Oregon | 1 | $ 185,000 | $ 185,000 | $ 85,000 |
| Cambria County Pennsylvania | 1 | $ 28,000 | $ 28,000 | $ 115,000 |
| Bristol County Rhode Island | 1 | $ 101,000 | $ 101,000 | $ 275,000 |
| Kent County Rhode Island | 1 | $ 102,000 | $ 102,000 | $ 125,000 |
| Charleston County South Carolina | 1 | $ 250,000 | $ 250,000 | $ 71,000 |
| Clarendon County South Carolina | 1 | $ 100,000 | $ 100,000 | $ 18,000 |
| Greenville County South Carolina | 1 | $ 420,000 | $ 420,000 | $ 117,000 |
| Greenwood County South Carolina | 1 | $ 151,000 | $ 151,000 | $ 43,000 |
| Horry County South Carolina | 1 | $ 168,000 | $ 168,000 | $ 129,000 |
| Richland County South Carolina | 1 | $ 269,000 | $ 269,000 | $ 106,000 |
| York County South Carolina | 1 | $ 154,000 | $ 154,000 | $ 120,000 |
| Jackson County Tennessee | 1 | $ 49,000 | $ 49,000 | $ 46,000 |
| Robertson County Tennessee | 1 | $ 175,000 | $ 175,000 | $ 85,000 |
| Sumner County Tennessee | 1 | $ 211,000 | $ 211,000 | $ 69,000 |
| El Paso County Texas | 1 | $ 70,000 | $ 70,000 | $ 60,000 |
| Harrison County Texas | 1 | $ 74,000 | $ 74,000 | $ 58,000 |
| Hays County Texas | 1 | $ 185,000 | $ 185,000 | $ 122,000 |
| Hidalgo County Texas | 1 | $ 107,000 | $ 107,000 | $ 59,000 |
| Hill County Texas | 1 | $ 120,000 | $ 120,000 | $ 39,000 |
| Jefferson County Texas | 1 | $ 130,000 | $ 130,000 | $ 97,000 |
| Johnson County Texas | 1 | $ 75,000 | $ 75,000 | $ 144,000 |
| Kaufman County Texas | 1 | $ 136,000 | $ 136,000 | $ 112,000 |
| McLennan County Texas | 1 | $ 130,000 | $ 130,000 | $ 36,000 |
| Mitchell County Texas | 1 | $ 59,000 | $ 59,000 | $ 10,000 |
| Nueces County Texas | 1 | $ 20,000 | $ 20,000 | $ 27,000 |
| Stephens County Texas | 1 | $ 47,000 | $ 47,000 | $ 900,000 |
| Travis County Texas | 1 | $ 125,000 | $ 125,000 | $ 130,000 |
| Waller County Texas | 1 | $ 320,000 | $ 320,000 | $ 186,000 |
| Williamson County Texas | 1 | $ 107,000 | $ 107,000 | $ 97,000 |
| Chittenden County Vermont | 1 | $ 156,000 | $ 156,000 | $ 47,000 |
| Rutland County Vermont | 1 | $ 215,000 | $ 215,000 | $ 288,000 |
| Washington County Vermont | 1 | $ 90,000 | $ 90,000 | $ 25,000 |
| Augusta County Virginia | 1 | $ 98,000 | $ 98,000 | $ 29,000 |
| Chesapeake County Virginia | 1 | $ 161,000 | $ 161,000 | $ 93,000 |
| Chesterfield County Virginia | 1 | $ 183,000 | $ 183,000 | $ 54,000 |
| Greene County Virginia | 1 | $ 131,000 | $ 131,000 | $ 130,000 |
| Virginia Beach County Virginia | 1 | $ 90,000 | $ 90,000 | $ 34,000 |
| Grant County Washington | 1 | $ 95,000 | $ 95,000 | $ 41,000 |
| King County Washington | 1 | $ 200,000 | $ 200,000 | $ 117,000 |
| Jefferson County West Virginia | 1 | $ 60,000 | $ 60,000 | $ 54,000 |
| Mineral County West Virginia | 1 | $ 400,000 | $ 400,000 | $ 750,000 |
Mortgage Loan Application Detail Totals for Generations Bank 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) | 451 | $73,233,000 | $161,897 | $754,000 | $108,230 | $848,000 |
| Home Purchase (one-to-four family) | 136 | $21,584,000 | $173,000 | $547,000 | $132,592 | $900,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 1 | $136,000 | $136,000 | $136,000 | $0 | $0 |
| Home Improvement (one-to-four family) | 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 | 455 | $75,369,000 | $177,589 | $754,000 | $140,820 | $848,000 |
| Information not provided by applicant in mail or telephone application | 103 | $15,311,000 | $134,714 | $504,000 | $92,071 | $403,000 |
| Asian or Pacific Islander | 12 | $2,120,000 | $182,333 | $368,000 | $113,500 | $295,000 |
| Black | 8 | $963,000 | $121,400 | $260,000 | $126,200 | $900,000 |
| Hispanic | 7 | $800,000 | $128,800 | $200,000 | $72,200 | $117,000 |
| Other | 2 | $291,000 | $145,500 | $192,000 | $52,500 | $72,000 |
| American Indian or Alaskan Native | 1 | $99,000 | $99,000 | $99,000 | $86,000 | $86,000 |
| 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) | 588 | $94,953,000 | $164,225 | $754,000 | $118,175 | $900,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 344 | $60,916,000 | $193,388 | $754,000 | $134,194 | $848,000 |
| Application Denied By Financial Institution | 146 | $19,551,000 | $133,687 | $547,000 | $93,281 | $900,000 |
| Application Withdrawn By Applicant | 88 | $13,192,000 | $180,080 | $547,000 | $127,680 | $750,000 |
| File Closed For Incompleteness | 10 | $1,294,000 | $119,800 | $255,000 | $84,200 | $158,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit Application Incomplete | 85 | $11,787,000 | $148,125 | $547,000 | $95,666 | $725,000 |
| Credit History | 39 | $4,388,000 | $113,333 | $396,000 | $70,190 | $900,000 |
| Debt-To-Income Ratio | 15 | $2,128,000 | $139,000 | $270,000 | $96,384 | $490,000 |
| Other | 3 | $483,000 | $161,000 | $234,000 | $62,333 | $87,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $511,000 | $255,500 | $410,000 | $64,000 | $81,000 |
| Unverifiable Information | 1 | $129,000 | $129,000 | $129,000 | $46,000 | $46,000 |
| Collateral | 1 | $125,000 | $125,000 | $125,000 | $150,000 | $150,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Generations Bank'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 Generations Bank'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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