Classic Home Lending, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Classic Home Lending, Inc. 2005 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 | Classic Home Lending, Inc. 10850 Richmond Ave., #175 Houston, TX 77042 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 |
| Total Number of Mortgage Applications | 1,300 |
| Total Mortgage Loan Application Amount | $122,122,000 |
| Average Mortgage Loan Application Amount | $109,804 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $76,878 |
| Highest Applicant Income | $900,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with Classic Home Lending, Inc.. 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 Classic Home Lending, Inc.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down Classic Home Lending, Inc.'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 Classic Home Lending, Inc. serves its applicants.
Each category highlights the total number of mortgage applications processed by Classic Home Lending, Inc., 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 Classic Home Lending, Inc.'s mortgage activity for 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Bexar County Texas | 190 | $ 14,395,000 | $ 75,000 | $ 85,000 |
| Harris County Texas | 73 | $ 6,344,000 | $ 86,000 | $ 52,000 |
| Dallas County Texas | 64 | $ 5,517,000 | $ 86,000 | $ 71,000 |
| Maricopa County Arizona | 31 | $ 5,226,000 | $ 168,000 | $ 101,000 |
| Cook County Illinois | 25 | $ 2,786,000 | $ 111,000 | $ 27,000 |
| St. Louis County Missouri | 23 | $ 2,087,000 | $ 90,000 | $ 61,000 |
| St. Louis City County Missouri | 23 | $ 1,836,000 | $ 79,000 | $ 22,000 |
| Santa Rosa County Florida | 21 | $ 2,794,000 | $ 133,000 | $ 36,000 |
| Volusia County Florida | 21 | $ 1,936,000 | $ 92,000 | $ 16,000 |
| Tarrant County Texas | 21 | $ 1,674,000 | $ 79,000 | $ 93,000 |
| Webb County Texas | 20 | $ 1,629,000 | $ 81,000 | $ 46,000 |
| Milwaukee County Wisconsin | 20 | $ 1,112,000 | $ 55,000 | $ 30,000 |
| Jackson County Missouri | 19 | $ 1,349,000 | $ 71,000 | $ 79,000 |
| Brazoria County Texas | 19 | $ 1,379,000 | $ 72,000 | $ 36,000 |
| Marion County Florida | 17 | $ 1,116,000 | $ 65,000 | $ 83,000 |
| Okaloosa County Florida | 16 | $ 1,994,000 | $ 124,000 | $ 28,000 |
| Leon County Florida | 15 | $ 913,000 | $ 60,000 | $ 92,000 |
| East Baton Rouge County Louisiana | 15 | $ 1,266,000 | $ 84,000 | $ 105,000 |
| Bay County Florida | 14 | $ 3,888,000 | $ 277,000 | $ 210,000 |
| Wyandotte County Kansas | 14 | $ 638,000 | $ 45,000 | $ 61,000 |
| Clay County Missouri | 14 | $ 1,095,000 | $ 78,000 | $ 23,000 |
| Wayne County Michigan | 13 | $ 742,000 | $ 57,000 | $ 46,000 |
| Travis County Texas | 12 | $ 1,005,000 | $ 83,000 | $ 64,000 |
| St. Charles County Missouri | 11 | $ 902,000 | $ 82,000 | $ 13,000 |
| Brevard County Florida | 10 | $ 988,000 | $ 98,000 | $ 112,000 |
| Comal County Texas | 10 | $ 863,000 | $ 86,000 | $ 35,000 |
| Nueces County Texas | 10 | $ 600,000 | $ 60,000 | $ 41,000 |
| Denton County Texas | 9 | $ 1,076,000 | $ 119,000 | $ 56,000 |
| Pinellas County Florida | 8 | $ 641,000 | $ 80,000 | $ 108,000 |
| Fulton County Georgia | 8 | $ 1,424,000 | $ 178,000 | $ 16,000 |
| Will County Illinois | 8 | $ 1,087,000 | $ 135,000 | $ 0 |
| Johnson County Kansas | 8 | $ 505,000 | $ 63,000 | $ 90,000 |
| Escambia County Florida | 7 | $ 505,000 | $ 72,000 | $ 44,000 |
| Hillsborough County Florida | 7 | $ 1,058,000 | $ 151,000 | $ 74,000 |
| Bell County Texas | 7 | $ 563,000 | $ 80,000 | $ 12,000 |
| Fort Bend County Texas | 7 | $ 639,000 | $ 91,000 | $ 76,000 |
| Navajo County Arizona | 6 | $ 903,000 | $ 150,000 | $ 0 |
| Adams County Colorado | 6 | $ 684,000 | $ 114,000 | $ 54,000 |
| Galveston County Texas | 6 | $ 494,000 | $ 82,000 | $ 151,000 |
| Montgomery County Texas | 6 | $ 607,000 | $ 101,000 | $ 39,000 |
| Rockwall County Texas | 6 | $ 391,000 | $ 65,000 | $ 82,000 |
| Pinal County Arizona | 5 | $ 769,000 | $ 153,000 | $ 38,000 |
| Collin County Texas | 5 | $ 419,000 | $ 83,000 | $ 8,000 |
| Kendall County Texas | 5 | $ 701,000 | $ 140,000 | $ 73,000 |
| Arapahoe County Colorado | 4 | $ 397,000 | $ 99,000 | $ 100,000 |
| Seminole County Florida | 4 | $ 367,000 | $ 91,000 | $ 143,000 |
| Lake County Illinois | 4 | $ 193,000 | $ 48,000 | $ 35,000 |
| Jackson County Michigan | 4 | $ 198,000 | $ 49,000 | $ 25,000 |
| Wake County North Carolina | 4 | $ 739,000 | $ 184,000 | $ 123,000 |
| Duval County Florida | 3 | $ 315,000 | $ 105,000 | $ 108,000 |
| Geary County Kansas | 3 | $ 96,000 | $ 32,000 | $ 29,000 |
| Christian County Missouri | 3 | $ 171,000 | $ 57,000 | $ 16,000 |
| Clark County Nevada | 3 | $ 644,000 | $ 214,000 | $ 159,000 |
| Cameron County Texas | 3 | $ 398,000 | $ 132,000 | $ 121,000 |
| Chambers County Texas | 3 | $ 249,000 | $ 83,000 | $ 54,000 |
| Hidalgo County Texas | 3 | $ 192,000 | $ 64,000 | $ 36,000 |
| Coconino County Arizona | 2 | $ 600,000 | $ 300,000 | $ 40,000 |
| Denver County Colorado | 2 | $ 356,000 | $ 178,000 | $ 49,000 |
| Lake County Florida | 2 | $ 523,000 | $ 261,000 | $ 0 |
| Lee County Florida | 2 | $ 299,000 | $ 149,000 | $ 0 |
| Orange County Florida | 2 | $ 166,000 | $ 83,000 | $ 92,000 |
| Osceola County Florida | 2 | $ 152,000 | $ 76,000 | $ 0 |
| Pasco County Florida | 2 | $ 131,000 | $ 65,000 | $ 69,000 |
| Polk County Florida | 2 | $ 100,000 | $ 50,000 | $ 0 |
| Cobb County Georgia | 2 | $ 171,000 | $ 85,000 | $ 42,000 |
| DeKalb County Georgia | 2 | $ 163,000 | $ 81,000 | $ 52,000 |
| Boone County Illinois | 2 | $ 170,000 | $ 85,000 | $ 0 |
| DeKalb County Illinois | 2 | $ 104,000 | $ 52,000 | $ 89,000 |
| DuPage County Illinois | 2 | $ 210,000 | $ 105,000 | $ 78,000 |
| Macoupin County Illinois | 2 | $ 89,000 | $ 44,000 | $ 0 |
| Sedgwick County Kansas | 2 | $ 67,000 | $ 33,000 | $ 47,000 |
| Livingston County Louisiana | 2 | $ 108,000 | $ 54,000 | $ 240,000 |
| Monroe County Michigan | 2 | $ 116,000 | $ 58,000 | $ 0 |
| Goodhue County Minnesota | 2 | $ 220,000 | $ 110,000 | $ 0 |
| DeSoto County Mississippi | 2 | $ 78,000 | $ 39,000 | $ 33,000 |
| Johnson County Missouri | 2 | $ 80,000 | $ 40,000 | $ 0 |
| Durham County North Carolina | 2 | $ 94,000 | $ 47,000 | $ 210,000 |
| Forsyth County North Carolina | 2 | $ 136,000 | $ 68,000 | $ 30,000 |
| Franklin County Ohio | 2 | $ 149,000 | $ 74,000 | $ 0 |
| Davidson County Tennessee | 2 | $ 140,000 | $ 70,000 | $ 0 |
| Atascosa County Texas | 2 | $ 170,000 | $ 85,000 | $ 73,000 |
| Bandera County Texas | 2 | $ 212,000 | $ 106,000 | $ 115,000 |
| Guadalupe County Texas | 2 | $ 131,000 | $ 65,000 | $ 69,000 |
| Hays County Texas | 2 | $ 94,000 | $ 47,000 | $ 29,000 |
| McLennan County Texas | 2 | $ 113,000 | $ 56,000 | $ 88,000 |
| Smith County Texas | 2 | $ 120,000 | $ 60,000 | $ 73,000 |
| Taylor County Texas | 2 | $ 400,000 | $ 200,000 | $ 237,000 |
| Williamson County Texas | 2 | $ 96,000 | $ 48,000 | $ 38,000 |
| King County Washington | 2 | $ 481,000 | $ 240,000 | $ 519,000 |
| Pierce County Washington | 2 | $ 125,000 | $ 62,000 | $ 72,000 |
| Jefferson County Wisconsin | 2 | $ 251,000 | $ 125,000 | $ 0 |
| Kenosha County Wisconsin | 2 | $ 135,000 | $ 67,000 | $ 0 |
| Faulkner County Arkansas | 1 | $ 69,000 | $ 69,000 | $ 40,000 |
| Jefferson County Colorado | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Larimer County Colorado | 1 | $ 48,000 | $ 48,000 | $ 132,000 |
| Shoshone County Idaho | 1 | $ 116,000 | $ 116,000 | $ 0 |
| Kane County Illinois | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Ellis County Kansas | 1 | $ 66,000 | $ 66,000 | $ 40,000 |
| Bossier County Louisiana | 1 | $ 70,000 | $ 70,000 | $ 15,000 |
| Callaway County Missouri | 1 | $ 130,000 | $ 130,000 | $ 150,000 |
| Greene County Missouri | 1 | $ 120,000 | $ 120,000 | $ 64,000 |
| Platte County Missouri | 1 | $ 128,000 | $ 128,000 | $ 57,000 |
| Lake County Ohio | 1 | $ 99,000 | $ 99,000 | $ 0 |
| Lorain County Ohio | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Scioto County Ohio | 1 | $ 50,000 | $ 50,000 | $ 48,000 |
| Oklahoma County Oklahoma | 1 | $ 78,000 | $ 78,000 | $ 23,000 |
| Richland County South Carolina | 1 | $ 141,000 | $ 141,000 | $ 44,000 |
| Robertson County Tennessee | 1 | $ 188,000 | $ 188,000 | $ 0 |
| Bosque County Texas | 1 | $ 91,000 | $ 91,000 | $ 61,000 |
| Burnet County Texas | 1 | $ 75,000 | $ 75,000 | $ 49,000 |
| Ector County Texas | 1 | $ 62,000 | $ 62,000 | $ 87,000 |
| Gregg County Texas | 1 | $ 87,000 | $ 87,000 | $ 72,000 |
| Harrison County Texas | 1 | $ 56,000 | $ 56,000 | $ 74,000 |
| Jefferson County Texas | 1 | $ 44,000 | $ 44,000 | $ 20,000 |
| Live Oak County Texas | 1 | $ 68,000 | $ 68,000 | $ 46,000 |
| Montague County Texas | 1 | $ 67,000 | $ 67,000 | $ 31,000 |
| Reeves County Texas | 1 | $ 43,000 | $ 43,000 | $ 38,000 |
| Uvalde County Texas | 1 | $ 160,000 | $ 160,000 | $ 56,000 |
| Val Verde County Texas | 1 | $ 119,000 | $ 119,000 | $ 48,000 |
| Waukesha County Wisconsin | 1 | $ 102,000 | $ 102,000 | $ 34,000 |
Mortgage Loan Application Detail Totals for Classic Home Lending, Inc. 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 | 1,168 | $106,658,000 | $101,320 | $640,000 | $86,040 | $900,000 |
| Refinancing | 132 | $15,464,000 | $123,062 | $1,000,000 | $62,562 | $349,000 |
| 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 | 664 | $67,739,000 | $106,280 | $1,000,000 | $85,400 | $900,000 |
| Hispanic | 353 | $28,224,000 | $90,615 | $560,000 | $46,615 | $241,000 |
| Black or African American | 172 | $14,535,000 | $97,571 | $374,000 | $67,214 | $516,000 |
| Not Provided | 83 | $9,155,000 | $152,545 | $423,000 | $72,636 | $397,000 |
| Asian | 23 | $2,129,000 | $133,142 | $413,000 | $50,857 | $348,000 |
| American Indian or Alaskan Native | 3 | $245,000 | $78,000 | $115,000 | $41,500 | $83,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $95,000 | $47,000 | $62,000 | $0 | $0 |
| 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) | 1,284 | $120,197,000 | $106,678 | $1,000,000 | $83,178 | $900,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,125,000 | $129,400 | $158,000 | $40,400 | $70,000 |
| FHA-insured (Federal Housing Administration) | 7 | $800,000 | $112,000 | $140,000 | $38,000 | $53,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 882 | $77,977,000 | $99,818 | $1,000,000 | $80,136 | $900,000 |
| Application Denied By Financial Institution | 179 | $19,355,000 | $121,812 | $599,000 | $85,750 | $414,000 |
| Application Withdrawn By Applicant | 166 | $17,301,000 | $107,529 | $560,000 | $59,176 | $348,000 |
| Application Approved But Not Accepted | 72 | $7,394,000 | $111,636 | $494,000 | $67,909 | $301,000 |
| Preapproval Approved but not Accepted | 1 | $95,000 | $95,000 | $95,000 | $43,000 | $43,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 74 | $6,205,000 | $99,900 | $238,000 | $42,900 | $243,000 |
| Other | 35 | $4,008,000 | $126,857 | $423,000 | $82,000 | $180,000 |
| Debt-To-Income Ratio | 26 | $2,034,000 | $78,833 | $150,000 | $68,833 | $397,000 |
| Collateral | 23 | $4,719,000 | $131,571 | $599,000 | $65,857 | $414,000 |
| Unverifiable Information | 5 | $392,000 | $66,750 | $200,000 | $96,000 | $120,000 |
| Credit Application Incomplete | 3 | $632,000 | $195,500 | $386,000 | $184,500 | $282,000 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Classic Home Lending, Inc.'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 Classic Home Lending, Inc.'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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