Chapel Mortgage Mortgage Lending & HMDA Data, 2005
In 2005, Chapel Mortgage of Rancocas, NJ reported 23,774 mortgage applications totaling $3.8 billion, up 19% from 2004. The average application was for $160,225, and applicants reported an average income of $100,185. 43% of its applications resulted in an originated loan and 25% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (2,669), Riverside-San Bernardino-Ontario, CA (2,165) and San Diego-Carlsbad-San Marcos, CA (2,145) (applications in parentheses).
| Mortgage Company & Address | Chapel Mortgage 593 Rancocas Road Po Box 550 Rancocas, NJ 08073 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 2004 2003 |
| Total Number of Mortgage Applications | 23,774 |
| Total Mortgage Loan Application Amount | $3,809,207,000 |
| Average Mortgage Loan Application Amount | $160,225 |
| Highest Mortgage Loan Application Amount | $1,101,000 |
| Average Applicant Income | $100,185 |
| Highest Applicant Income | $6,816,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Chapel Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 2,669 | $ 478,648,000 | $ 179,336 | $ 116,000 |
| Riverside-San Bernardino-Ontario, CA | 2,165 | $ 330,757,000 | $ 152,774 | $ 124,000 |
| San Diego-Carlsbad-San Marcos, CA | 2,145 | $ 349,674,000 | $ 163,018 | $ 113,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1,066 | $ 137,346,000 | $ 128,842 | $ 86,000 |
| Oakland-Fremont-Hayward, CA | 1,012 | $ 201,476,000 | $ 199,086 | $ 116,000 |
| Santa Ana-Anaheim-Irvine, CA | 1,007 | $ 190,598,000 | $ 189,273 | $ 146,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 693 | $ 120,363,000 | $ 173,683 | $ 105,000 |
| Las Vegas-Paradise, NV | 606 | $ 92,704,000 | $ 152,976 | $ 89,000 |
| Santa Rosa-Petaluma, CA | 555 | $ 119,694,000 | $ 215,664 | $ 113,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 553 | $ 87,636,000 | $ 158,473 | $ 84,000 |
| Philadelphia, PA | 504 | $ 84,493,000 | $ 167,644 | $ 74,000 |
| Tampa-St. Petersburg-Clearwater, FL | 463 | $ 54,511,000 | $ 117,734 | $ 61,000 |
| Seattle-Bellevue-Everett, WA | 462 | $ 67,323,000 | $ 145,720 | $ 86,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 458 | $ 99,132,000 | $ 216,445 | $ 131,000 |
| Orlando, FL | 454 | $ 59,051,000 | $ 130,068 | $ 60,000 |
| Miami-Miami Beach-Kendall, FL | 405 | $ 63,586,000 | $ 157,002 | $ 85,000 |
| Vallejo-Fairfield, CA | 342 | $ 72,809,000 | $ 212,891 | $ 117,000 |
| Stockton, CA | 339 | $ 63,070,000 | $ 186,047 | $ 90,000 |
| Denver-Aurora, CO | 317 | $ 42,512,000 | $ 134,107 | $ 77,000 |
| Camden, NJ | 313 | $ 50,848,000 | $ 162,453 | $ 72,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 297 | $ 44,434,000 | $ 149,609 | $ 73,000 |
| Medford, OR | 254 | $ 32,731,000 | $ 128,862 | $ 84,000 |
| San Francisco-San Mateo-Redwood City, CA | 219 | $ 43,468,000 | $ 198,484 | $ 149,000 |
| Modesto, CA | 192 | $ 30,145,000 | $ 157,005 | $ 101,000 |
| Redding, CA | 185 | $ 24,289,000 | $ 131,291 | $ 77,000 |
| Tacoma, WA | 180 | $ 25,444,000 | $ 141,355 | $ 97,000 |
| Detroit-Livonia-Dearborn, MI | 166 | $ 18,485,000 | $ 111,355 | $ 67,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 164 | $ 25,849,000 | $ 157,615 | $ 138,000 |
| Cape Coral-Fort Myers, FL | 159 | $ 22,574,000 | $ 141,974 | $ 220,000 |
| Salinas, CA | 158 | $ 39,567,000 | $ 250,424 | $ 264,000 |
| Warren-Farmington Hills-Troy, MI | 143 | $ 20,899,000 | $ 146,146 | $ 83,000 |
| Bakersfield, CA | 139 | $ 16,865,000 | $ 121,330 | $ 87,000 |
| Portland-Vancouver-Beaverton, OR-WA | 120 | $ 13,755,000 | $ 114,625 | $ 68,000 |
| Atlanta-Sandy Springs-Marietta, GA | 116 | $ 14,811,000 | $ 127,681 | $ 79,000 |
| Port St. Lucie-Fort Pierce, FL | 104 | $ 14,662,000 | $ 140,980 | $ 79,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 98 | $ 17,515,000 | $ 178,724 | $ 86,000 |
| Sarasota-Bradenton-Venice, FL | 98 | $ 15,063,000 | $ 153,704 | $ 79,000 |
| Fresno, CA | 95 | $ 14,496,000 | $ 152,589 | $ 81,000 |
| Napa, CA | 95 | $ 21,461,000 | $ 225,905 | $ 109,000 |
| Bend, OR | 92 | $ 13,966,000 | $ 151,804 | $ 98,000 |
| Chicago-Naperville-Joliet, IL | 88 | $ 15,733,000 | $ 178,784 | $ 92,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 87 | $ 14,258,000 | $ 163,885 | $ 103,000 |
| Yuba City, CA | 80 | $ 10,431,000 | $ 130,387 | $ 85,000 |
| Jacksonville, FL | 79 | $ 8,199,000 | $ 103,784 | $ 65,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 78 | $ 10,388,000 | $ 133,179 | $ 61,000 |
| Naples-Marco Island, FL | 77 | $ 14,152,000 | $ 183,792 | $ 89,000 |
| Colorado Springs, CO | 75 | $ 7,945,000 | $ 105,933 | $ 77,000 |
| Merced, CA | 72 | $ 12,421,000 | $ 172,513 | $ 92,000 |
| Chico, CA | 68 | $ 9,275,000 | $ 136,397 | $ 71,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 64 | $ 7,975,000 | $ 124,609 | $ 70,000 |
| Fort Collins-Loveland, CO | 62 | $ 9,335,000 | $ 150,564 | $ 70,000 |
| Greeley, CO | 62 | $ 7,855,000 | $ 126,693 | $ 69,000 |
| Baltimore-Towson, MD | 61 | $ 10,603,000 | $ 173,819 | $ 87,000 |
| Visalia-Porterville, CA | 59 | $ 7,738,000 | $ 131,152 | $ 83,000 |
| Edison, NJ | 58 | $ 12,604,000 | $ 217,310 | $ 95,000 |
| Pittsburgh, PA | 58 | $ 5,139,000 | $ 88,603 | $ 65,000 |
| Salem, OR | 57 | $ 5,489,000 | $ 96,298 | $ 65,000 |
| Lakeland, FL | 53 | $ 5,996,000 | $ 113,132 | $ 49,000 |
| Reno-Sparks, NV | 53 | $ 6,754,000 | $ 127,433 | $ 79,000 |
| Houston-Baytown-Sugar Land, TX | 48 | $ 6,071,000 | $ 126,479 | $ 67,000 |
| Boston-Quincy, MA | 47 | $ 10,847,000 | $ 230,787 | $ 78,000 |
| Salt Lake City, UT | 47 | $ 5,342,000 | $ 113,659 | $ 73,000 |
| Wilmington, DE-MD-NJ | 44 | $ 7,203,000 | $ 163,704 | $ 64,000 |
| Santa Cruz-Watsonville, CA | 43 | $ 11,952,000 | $ 277,953 | $ 170,000 |
| Olympia, WA | 42 | $ 4,627,000 | $ 110,166 | $ 77,000 |
| Tucson, AZ | 42 | $ 4,145,000 | $ 98,690 | $ 65,000 |
| St. Louis, MO-IL | 41 | $ 4,807,000 | $ 117,243 | $ 73,000 |
| Ocean City, NJ | 40 | $ 8,206,000 | $ 205,150 | $ 75,000 |
| Newark-Union, NJ-PA | 39 | $ 9,397,000 | $ 240,948 | $ 82,000 |
| Palm Bay-Melbourne-Titusville, FL | 38 | $ 5,196,000 | $ 136,736 | $ 65,000 |
| San Luis Obispo-Paso Robles, CA | 38 | $ 6,175,000 | $ 162,500 | $ 118,000 |
| El Centro, CA | 37 | $ 4,719,000 | $ 127,540 | $ 84,000 |
| Eugene-Springfield, OR | 33 | $ 3,373,000 | $ 102,212 | $ 71,000 |
| Hanford-Corcoran, CA | 28 | $ 3,875,000 | $ 138,392 | $ 87,000 |
| Boulder, CO | 27 | $ 4,464,000 | $ 165,333 | $ 106,000 |
| Grand Rapids-Wyoming, MI | 27 | $ 2,317,000 | $ 85,814 | $ 51,000 |
| Punta Gorda, FL | 27 | $ 2,985,000 | $ 110,555 | $ 49,000 |
| Lansing-East Lansing, MI | 26 | $ 2,061,000 | $ 79,269 | $ 53,000 |
| Bethesda-Frederick-Gaithersburg, MD | 25 | $ 4,752,000 | $ 190,080 | $ 117,000 |
| Madera, CA | 25 | $ 3,702,000 | $ 148,080 | $ 142,000 |
| Ocala, FL | 25 | $ 2,392,000 | $ 95,680 | $ 58,000 |
| Ogden-Clearfield, UT | 25 | $ 2,202,000 | $ 88,080 | $ 71,000 |
| Reading, PA | 25 | $ 2,183,000 | $ 87,320 | $ 45,000 |
| Bridgeport-Stamford-Norwalk, CT | 24 | $ 4,861,000 | $ 202,541 | $ 93,000 |
| Hartford-West Hartford-East Hartford, CT | 24 | $ 3,673,000 | $ 153,041 | $ 66,000 |
| Albuquerque, NM | 23 | $ 2,126,000 | $ 92,434 | $ 48,000 |
| York-Hanover, PA | 22 | $ 3,023,000 | $ 137,409 | $ 48,000 |
| Milwaukee-Waukesha-West Allis, WI | 21 | $ 2,095,000 | $ 99,761 | $ 59,000 |
| Trenton-Ewing, NJ | 20 | $ 3,732,000 | $ 186,600 | $ 76,000 |
| Yuma, AZ | 20 | $ 2,815,000 | $ 140,750 | $ 98,000 |
| Atlantic City, NJ | 19 | $ 4,171,000 | $ 219,526 | $ 93,000 |
| Appleton, WI | 18 | $ 1,466,000 | $ 81,444 | $ 49,000 |
| Scranton--Wilkes-Barre, PA | 18 | $ 1,546,000 | $ 85,888 | $ 37,000 |
| Cambridge-Newton-Framingham, MA | 17 | $ 3,919,000 | $ 230,529 | $ 98,000 |
| Cleveland-Elyria-Mentor, OH | 17 | $ 1,643,000 | $ 96,647 | $ 41,000 |
| Prescott, AZ | 17 | $ 2,029,000 | $ 119,352 | $ 79,000 |
| Springfield, MA | 17 | $ 1,428,000 | $ 84,000 | $ 43,000 |
| Austin-Round Rock, TX | 16 | $ 1,845,000 | $ 115,312 | $ 55,000 |
| Dallas-Plano-Irving, TX | 16 | $ 2,513,000 | $ 157,062 | $ 89,000 |
| Flint, MI | 15 | $ 1,232,000 | $ 82,133 | $ 59,000 |
| Kennewick-Richland-Pasco, WA | 15 | $ 1,213,000 | $ 80,866 | $ 66,000 |
| Muskegon-Norton Shores, MI | 15 | $ 1,573,000 | $ 104,866 | $ 48,000 |
| Providence-New Bedford-Fall River, RI-MA | 15 | $ 1,763,000 | $ 117,533 | $ 96,000 |
| Pueblo, CO | 15 | $ 1,417,000 | $ 94,466 | $ 38,000 |
| Ann Arbor, MI | 14 | $ 2,427,000 | $ 173,357 | $ 76,000 |
| Boise City-Nampa, ID | 14 | $ 1,052,000 | $ 75,142 | $ 79,000 |
| Grand Junction, CO | 14 | $ 1,813,000 | $ 129,500 | $ 59,000 |
| New Haven-Milford, CT | 13 | $ 1,304,000 | $ 100,307 | $ 135,000 |
| Worcester, MA | 13 | $ 2,690,000 | $ 206,923 | $ 114,000 |
| Barnstable Town, MA | 12 | $ 3,195,000 | $ 266,250 | $ 111,000 |
| Mount Vernon-Anacortes, WA | 12 | $ 1,131,000 | $ 94,250 | $ 63,000 |
| Columbus, OH | 10 | $ 1,001,000 | $ 100,100 | $ 41,000 |
| Portland-South Portland-Biddeford, ME | 10 | $ 1,331,000 | $ 133,100 | $ 66,000 |
| Spokane, WA | 10 | $ 896,000 | $ 89,600 | $ 38,000 |
| Yakima, WA | 10 | $ 518,000 | $ 51,800 | $ 93,000 |
| Essex County, MA | 9 | $ 1,570,000 | $ 174,444 | $ 121,000 |
| Lewiston-Auburn, ME | 9 | $ 1,173,000 | $ 130,333 | $ 82,000 |
| Peoria, IL | 9 | $ 963,000 | $ 107,000 | $ 60,000 |
| Dayton, OH | 8 | $ 762,000 | $ 95,250 | $ 106,000 |
| Fort Worth-Arlington, TX | 8 | $ 908,000 | $ 113,500 | $ 57,000 |
| Kansas City, MO-KS | 8 | $ 1,201,000 | $ 150,125 | $ 73,000 |
| Lancaster, PA | 8 | $ 903,000 | $ 112,875 | $ 67,000 |
| Pensacola-Ferry Pass-Brent, FL | 8 | $ 783,000 | $ 97,875 | $ 55,000 |
| St. Joseph, MO-KS | 8 | $ 487,000 | $ 60,875 | $ 34,000 |
| Vineland-Millville-Bridgeton, NJ | 8 | $ 1,388,000 | $ 173,500 | $ 46,000 |
| Williamsport, PA | 8 | $ 671,000 | $ 83,875 | $ 60,000 |
| Battle Creek, MI | 7 | $ 550,000 | $ 78,571 | $ 43,000 |
| Charleston-North Charleston, SC | 7 | $ 1,271,000 | $ 181,571 | $ 48,000 |
| Erie, PA | 7 | $ 522,000 | $ 74,571 | $ 40,000 |
| Harrisburg-Carlisle, PA | 7 | $ 743,000 | $ 106,142 | $ 52,000 |
| Oklahoma City, OK | 7 | $ 1,057,000 | $ 151,000 | $ 86,000 |
| Saginaw-Saginaw Township North, MI | 7 | $ 789,000 | $ 112,714 | $ 70,000 |
| Santa Fe, NM | 7 | $ 863,000 | $ 123,285 | $ 56,000 |
| St. George, UT | 7 | $ 1,174,000 | $ 167,714 | $ 111,000 |
| Weirton-Steubenville, WV-OH | 7 | $ 640,000 | $ 91,428 | $ 39,000 |
| Bellingham, WA | 6 | $ 843,000 | $ 140,500 | $ 71,000 |
| Tallahassee, FL | 6 | $ 527,000 | $ 87,833 | $ 55,000 |
| Altoona, PA | 5 | $ 302,000 | $ 60,400 | $ 38,000 |
| Bremerton-Silverdale, WA | 5 | $ 879,000 | $ 175,800 | $ 79,000 |
| Charleston, WV | 5 | $ 373,000 | $ 74,600 | $ 34,000 |
| Charlotte-Gastonia-Concord, NC-SC | 5 | $ 418,000 | $ 83,600 | $ 53,000 |
| Fayetteville, NC | 5 | $ 607,000 | $ 121,400 | $ 44,000 |
| Flagstaff, AZ | 5 | $ 550,000 | $ 110,000 | $ 59,000 |
| Madison, WI | 5 | $ 423,000 | $ 84,600 | $ 67,000 |
| Norwich-New London, CT | 5 | $ 1,131,000 | $ 226,200 | $ 71,000 |
| Oshkosh-Neenah, WI | 5 | $ 382,000 | $ 76,400 | $ 41,000 |
| Provo-Orem, UT | 5 | $ 502,000 | $ 100,400 | $ 120,000 |
| Sheboygan, WI | 5 | $ 676,000 | $ 135,200 | $ 78,000 |
| Augusta-Richmond County, GA-SC | 4 | $ 299,000 | $ 74,750 | $ 95,000 |
| Bangor, ME | 4 | $ 613,000 | $ 153,250 | $ 55,000 |
| Coeur D'Alene, ID | 4 | $ 474,000 | $ 118,500 | $ 125,000 |
| Corvallis, OR | 4 | $ 750,000 | $ 187,500 | $ 65,000 |
| Des Moines, IA | 4 | $ 286,000 | $ 71,500 | $ 58,000 |
| El Paso, TX | 4 | $ 308,000 | $ 77,000 | $ 56,000 |
| Green Bay, WI | 4 | $ 508,000 | $ 127,000 | $ 36,000 |
| Hagerstown-Martinsburg, MD-WV | 4 | $ 482,000 | $ 120,500 | $ 71,000 |
| Holland-Grand Haven, MI | 4 | $ 426,000 | $ 106,500 | $ 33,000 |
| Huntington-Ashland, WV-KY-OH | 4 | $ 300,000 | $ 75,000 | $ 38,000 |
| Longview, WA | 4 | $ 374,000 | $ 93,500 | $ 77,000 |
| Monroe, MI | 4 | $ 420,000 | $ 105,000 | $ 28,000 |
| Niles-Benton Harbor, MI | 4 | $ 311,000 | $ 77,750 | $ 35,000 |
| San Antonio, TX | 4 | $ 470,000 | $ 117,500 | $ 49,000 |
| Wenatchee, WA | 4 | $ 290,000 | $ 72,500 | $ 83,000 |
| Bay City, MI | 3 | $ 195,000 | $ 65,000 | $ 62,000 |
| Champaign-Urbana, IL | 3 | $ 222,000 | $ 74,000 | $ 74,000 |
| Cincinnati-Middletown, OH-KY-IN | 3 | $ 290,000 | $ 96,666 | $ 43,000 |
| Columbia, SC | 3 | $ 176,000 | $ 58,666 | $ 37,000 |
| Dover, DE | 3 | $ 688,000 | $ 229,333 | $ 69,000 |
| Duluth, MN-WI | 3 | $ 395,000 | $ 131,666 | $ 50,000 |
| Greenville, SC | 3 | $ 561,000 | $ 187,000 | $ 51,000 |
| Janesville, WI | 3 | $ 216,000 | $ 72,000 | $ 49,000 |
| Lebanon, PA | 3 | $ 290,000 | $ 96,666 | $ 67,000 |
| McAllen-Edinburg-Pharr, TX | 3 | $ 347,000 | $ 115,666 | $ 48,000 |
| Salisbury, MD | 3 | $ 207,000 | $ 69,000 | $ 73,000 |
| Sioux City, IA-NE-SD | 3 | $ 208,000 | $ 69,333 | $ 85,000 |
| Toledo, OH | 3 | $ 547,000 | $ 182,333 | $ 63,000 |
| Vero Beach, FL | 3 | $ 537,000 | $ 179,000 | $ 50,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 3 | $ 910,000 | $ 303,333 | $ 100,000 |
| Wheeling, WV-OH | 3 | $ 134,000 | $ 44,666 | $ 26,000 |
| Winston-Salem, NC | 3 | $ 369,000 | $ 123,000 | $ 33,000 |
| Akron, OH | 2 | $ 304,000 | $ 152,000 | $ 79,000 |
| Anderson, SC | 2 | $ 108,000 | $ 54,000 | $ 42,000 |
| Athens-Clarke County, GA | 2 | $ 141,000 | $ 70,500 | $ 26,000 |
| Beaumont-Port Arthur, TX | 2 | $ 113,000 | $ 56,500 | $ 18,000 |
| Billings, MT | 2 | $ 541,000 | $ 270,500 | $ 91,000 |
| Canton-Massillon, OH | 2 | $ 175,000 | $ 87,500 | $ 43,000 |
| Carson City, NV | 2 | $ 285,000 | $ 142,500 | $ 62,000 |
| Cheyenne, WY | 2 | $ 248,000 | $ 124,000 | $ 42,000 |
| Davenport-Moline-Rock Island, IA-IL | 2 | $ 174,000 | $ 87,000 | $ 36,000 |
| Fort Walton Beach-Crestview-Destin, FL | 2 | $ 304,000 | $ 152,000 | $ 120,000 |
| Goldsboro, NC | 2 | $ 211,000 | $ 105,500 | $ 41,000 |
| Indianapolis, IN | 2 | $ 90,000 | $ 45,000 | $ 26,000 |
| Jackson, MI | 2 | $ 84,000 | $ 42,000 | $ 33,000 |
| Kalamazoo-Portage, MI | 2 | $ 245,000 | $ 122,500 | $ 51,000 |
| Las Cruces, NM | 2 | $ 256,000 | $ 128,000 | $ 51,000 |
| Louisville, KY-IN | 2 | $ 269,000 | $ 134,500 | $ 35,000 |
| Mansfield, OH | 2 | $ 137,000 | $ 68,500 | $ 18,000 |
| Memphis, TN-MS-AR | 2 | $ 272,000 | $ 136,000 | $ 89,000 |
| Missoula, MT | 2 | $ 219,000 | $ 109,500 | $ 50,000 |
| Nashville-Davidson--Murfreesboro, TN | 2 | $ 95,000 | $ 47,500 | $ 29,000 |
| Pittsfield, MA | 2 | $ 496,000 | $ 248,000 | $ 84,000 |
| Raleigh-Cary, NC | 2 | $ 333,000 | $ 166,500 | $ 180,000 |
| Richmond, VA | 2 | $ 240,000 | $ 120,000 | $ 92,000 |
| Spartanburg, SC | 2 | $ 162,000 | $ 81,000 | $ 30,000 |
| Springfield, MO | 2 | $ 267,000 | $ 133,500 | $ 143,000 |
| Tulsa, OK | 2 | $ 262,000 | $ 131,000 | $ 42,000 |
| Wausau, WI | 2 | $ 112,000 | $ 56,000 | $ 42,000 |
| Albany, GA | 1 | $ 123,000 | $ 123,000 | $ 45,000 |
| Anchorage, AK | 1 | $ 65,000 | $ 65,000 | $ 96,000 |
| Brownsville-Harlingen, TX | 1 | $ 110,000 | $ 110,000 | $ 57,000 |
| Brunswick, GA | 1 | $ 72,000 | $ 72,000 | $ 180,000 |
| Casper, WY | 1 | $ 118,000 | $ 118,000 | $ 38,000 |
| Cedar Rapids, IA | 1 | $ 41,000 | $ 41,000 | $ 69,000 |
| College Station-Bryan, TX | 1 | $ 89,000 | $ 89,000 | $ 47,000 |
| Durham, NC | 1 | $ 120,000 | $ 120,000 | $ 35,000 |
| Eau Claire, WI | 1 | $ 90,000 | $ 90,000 | $ 62,000 |
| Fond Du Lac, WI | 1 | $ 94,000 | $ 94,000 | $ 19,000 |
| Gainesville, FL | 1 | $ 234,000 | $ 234,000 | $ 50,000 |
| Gary, IN | 1 | $ 107,000 | $ 107,000 | $ 48,000 |
| Greensboro-High Point, NC | 1 | $ 50,000 | $ 50,000 | $ 19,000 |
| Honolulu, HI | 1 | $ 244,000 | $ 244,000 | $ 156,000 |
| Johnstown, PA | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 110,000 | $ 110,000 | $ 121,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 200,000 | $ 200,000 | $ 113,000 |
| Logan, UT-ID | 1 | $ 181,000 | $ 181,000 | $ 79,000 |
| Lubbock, TX | 1 | $ 71,000 | $ 71,000 | $ 23,000 |
| New York-Wayne-White Plains, NY-NJ | 1 | $ 25,000 | $ 25,000 | $ 28,000 |
| Panama City-Lynn Haven, FL | 1 | $ 131,000 | $ 131,000 | $ 316,000 |
| Racine, WI | 1 | $ 172,000 | $ 172,000 | $ 51,000 |
| Roanoke, VA | 1 | $ 219,000 | $ 219,000 | $ 59,000 |
| Rochester, MN | 1 | $ 91,000 | $ 91,000 | $ 85,000 |
| Rochester, NY | 1 | $ 244,000 | $ 244,000 | $ 154,000 |
| Rome, GA | 1 | $ 25,000 | $ 25,000 | $ 148,000 |
| Savannah, GA | 1 | $ 158,000 | $ 158,000 | $ 52,000 |
| Springfield, OH | 1 | $ 130,000 | $ 130,000 | $ 84,000 |
| State College, PA | 1 | $ 320,000 | $ 320,000 | $ 104,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 62,000 | $ 62,000 | $ 33,000 |
Mortgage Loan Application Detail Totals for Chapel Mortgage in 2005
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 12,877 | $2,096,121,000 | $122,358 | $1,101,000 | $75,256 | $5,400,000 |
| Refinancing | 10,897 | $1,713,086,000 | $144,400 | $1,085,000 | $76,200 | $6,816,000 |
| Home Improvement | 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 | 11,103 | $1,694,097,000 | $132,648 | $1,101,000 | $78,459 | $6,816,000 |
| Hispanic | 6,551 | $1,088,049,000 | $126,071 | $840,000 | $68,071 | $5,400,000 |
| Not Provided | 2,296 | $378,145,000 | $137,470 | $1,000,000 | $75,735 | $1,530,000 |
| Black or African American | 2,018 | $327,373,000 | $156,032 | $840,000 | $74,032 | $2,052,000 |
| Asian | 1,473 | $265,813,000 | $150,000 | $960,000 | $88,611 | $1,175,000 |
| Native Hawaiian or Other Pacific Islander | 261 | $44,891,000 | $147,083 | $750,000 | $87,083 | $270,000 |
| American Indian or Alaskan Native | 72 | $10,839,000 | $116,222 | $500,000 | $94,000 | $398,000 |
| 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) | 23,754 | $3,805,863,000 | $137,268 | $1,101,000 | $77,512 | $6,816,000 |
| FHA-insured (Federal Housing Administration) | 20 | $3,344,000 | $150,333 | $266,000 | $54,666 | $107,000 |
| 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 | 10,314 | $1,627,446,000 | $125,588 | $780,000 | $71,411 | $1,232,000 |
| Application Approved But Not Accepted | 6,553 | $1,066,351,000 | $133,558 | $849,000 | $74,647 | $2,052,000 |
| Application Denied By Financial Institution | 6,001 | $972,252,000 | $138,292 | $1,101,000 | $81,804 | $5,400,000 |
| Application Withdrawn By Applicant | 476 | $62,814,000 | $119,208 | $780,000 | $81,291 | $504,000 |
| File Closed For Incompleteness | 430 | $80,344,000 | $178,833 | $780,000 | $78,750 | $6,816,000 |
| 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 | 1,527 | $260,105,000 | $137,485 | $1,000,000 | $70,428 | $5,068,000 |
| Other | 1,295 | $259,247,000 | $147,806 | $1,101,000 | $86,129 | $780,000 |
| Collateral | 512 | $97,094,000 | $152,656 | $764,000 | $87,781 | $5,400,000 |
| Debt-To-Income Ratio | 504 | $89,490,000 | $138,961 | $1,085,000 | $52,076 | $431,000 |
| Unverifiable Information | 301 | $54,710,000 | $133,000 | $960,000 | $79,187 | $816,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 59 | $14,709,000 | $187,000 | $840,000 | $86,266 | $220,000 |
| Employment History | 40 | $5,600,000 | $135,181 | $400,000 | $66,000 | $164,000 |
| Credit Application Incomplete | 6 | $858,000 | $157,750 | $276,000 | $117,750 | $187,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Chapel Mortgage's 2005 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 Chapel Mortgage'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 New Jersey, download the full spreadsheet
with aggregated HMDA statistics today.
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