Columbia Home Loans, Llc. Mortgage Lending & HMDA Data, 2004
In 2004, Columbia Home Loans, Llc. of Toms River, NJ reported 2,918 mortgage applications totaling $672.3 million. The average application was for $230,389, and applicants reported an average income of $95,724. 82% of its applications resulted in an originated loan and 3% were denied. Its largest markets were New York-Wayne-White Plains, NY-NJ (795), Nassau-Suffolk, NY (679) and Poughkeepsie-Newburgh-Middletown, NY (157) (applications in parentheses).
| Mortgage Company & Address | Columbia Home Loans, Llc. C/O Ocean First Bank, 975 Hooper Avenue Toms River, NJ 08753 |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 2,918 |
| Total Mortgage Loan Application Amount | $672,276,000 |
| Average Mortgage Loan Application Amount | $230,389 |
| Highest Mortgage Loan Application Amount | $3,624,000 |
| Average Applicant Income | $95,724 |
| Highest Applicant Income | $2,220,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Columbia Home Loans, Llc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| New York-Wayne-White Plains, NY-NJ | 795 | $ 220,128,000 | $ 276,890 | $ 99,000 |
| Nassau-Suffolk, NY | 679 | $ 162,313,000 | $ 239,047 | $ 97,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 157 | $ 29,371,000 | $ 187,076 | $ 80,000 |
| Edison, NJ | 156 | $ 35,031,000 | $ 224,557 | $ 106,000 |
| Newark-Union, NJ-PA | 121 | $ 27,812,000 | $ 229,851 | $ 95,000 |
| Bridgeport-Stamford-Norwalk, CT | 101 | $ 30,020,000 | $ 297,227 | $ 123,000 |
| New Haven-Milford, CT | 42 | $ 5,686,000 | $ 135,380 | $ 70,000 |
| Camden, NJ | 29 | $ 4,175,000 | $ 143,965 | $ 72,000 |
| Boston-Quincy, MA | 22 | $ 5,768,000 | $ 262,181 | $ 141,000 |
| Philadelphia, PA | 21 | $ 4,265,000 | $ 203,095 | $ 122,000 |
| Baltimore-Towson, MD | 13 | $ 2,260,000 | $ 173,846 | $ 73,000 |
| Miami-Miami Beach-Kendall, FL | 13 | $ 4,677,000 | $ 359,769 | $ 160,000 |
| Chicago-Naperville-Joliet, IL | 12 | $ 1,592,000 | $ 132,666 | $ 87,000 |
| Kingston, NY | 12 | $ 1,596,000 | $ 133,000 | $ 70,000 |
| Atlanta-Sandy Springs-Marietta, GA | 11 | $ 2,107,000 | $ 191,545 | $ 195,000 |
| Providence-New Bedford-Fall River, RI-MA | 11 | $ 1,836,000 | $ 166,909 | $ 75,000 |
| Burlington-South Burlington, VT | 10 | $ 1,683,000 | $ 168,300 | $ 83,000 |
| Atlantic City, NJ | 9 | $ 1,234,000 | $ 137,111 | $ 56,000 |
| Barnstable Town, MA | 9 | $ 1,706,000 | $ 189,555 | $ 103,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 9 | $ 1,322,000 | $ 146,888 | $ 106,000 |
| Phoenix-Mesa-Scottsdale, AZ | 9 | $ 1,124,000 | $ 124,888 | $ 89,000 |
| Springfield, MA | 9 | $ 1,148,000 | $ 127,555 | $ 56,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 9 | $ 1,501,000 | $ 166,777 | $ 98,000 |
| Worcester, MA | 9 | $ 1,863,000 | $ 207,000 | $ 97,000 |
| Albany-Schenectady-Troy, NY | 8 | $ 1,545,000 | $ 193,125 | $ 82,000 |
| Cambridge-Newton-Framingham, MA | 8 | $ 2,584,000 | $ 323,000 | $ 79,000 |
| Buffalo-Niagara Falls, NY | 7 | $ 647,000 | $ 92,428 | $ 33,000 |
| Charlotte-Gastonia-Concord, NC-SC | 7 | $ 890,000 | $ 127,142 | $ 102,000 |
| Ocean City, NJ | 7 | $ 1,602,000 | $ 228,857 | $ 163,000 |
| Riverside-San Bernardino-Ontario, CA | 7 | $ 1,226,000 | $ 175,142 | $ 54,000 |
| Syracuse, NY | 7 | $ 573,000 | $ 81,857 | $ 59,000 |
| Trenton-Ewing, NJ | 7 | $ 1,300,000 | $ 185,714 | $ 61,000 |
| Hartford-West Hartford-East Hartford, CT | 6 | $ 1,188,000 | $ 198,000 | $ 98,000 |
| Tampa-St. Petersburg-Clearwater, FL | 6 | $ 1,051,000 | $ 175,166 | $ 58,000 |
| Bethesda-Frederick-Gaithersburg, MD | 5 | $ 1,202,000 | $ 240,400 | $ 90,000 |
| Essex County, MA | 5 | $ 1,187,000 | $ 237,400 | $ 103,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 5 | $ 1,176,000 | $ 235,200 | $ 77,000 |
| Los Angeles-Long Beach-Glendale, CA | 4 | $ 1,279,000 | $ 319,750 | $ 73,000 |
| Norwich-New London, CT | 4 | $ 630,000 | $ 157,500 | $ 51,000 |
| Portland-South Portland-Biddeford, ME | 4 | $ 867,000 | $ 216,750 | $ 126,000 |
| Richmond, VA | 4 | $ 503,000 | $ 125,750 | $ 44,000 |
| Sarasota-Bradenton-Venice, FL | 4 | $ 430,000 | $ 107,500 | $ 112,000 |
| St. Louis, MO-IL | 4 | $ 451,000 | $ 112,750 | $ 53,000 |
| Akron, OH | 3 | $ 203,000 | $ 67,666 | $ 55,000 |
| Bellingham, WA | 3 | $ 579,000 | $ 193,000 | $ 135,000 |
| Charleston-North Charleston, SC | 3 | $ 808,000 | $ 269,333 | $ 125,000 |
| Glens Falls, NY | 3 | $ 533,000 | $ 177,666 | $ 33,000 |
| Jacksonville, FL | 3 | $ 401,000 | $ 133,666 | $ 101,000 |
| Manchester-Nashua, NH | 3 | $ 373,000 | $ 124,333 | $ 116,000 |
| Raleigh-Cary, NC | 3 | $ 242,000 | $ 80,666 | $ 68,000 |
| Rochester, NY | 3 | $ 268,000 | $ 89,333 | $ 47,000 |
| Rockingham County-Strafford County, NH | 3 | $ 616,000 | $ 205,333 | $ 68,000 |
| Salt Lake City, UT | 3 | $ 324,000 | $ 108,000 | $ 17,000 |
| Utica-Rome, NY | 3 | $ 288,000 | $ 96,000 | $ 94,000 |
| Vineland-Millville-Bridgeton, NJ | 3 | $ 296,000 | $ 98,666 | $ 73,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 3 | $ 537,000 | $ 179,000 | $ 70,000 |
| Cleveland-Elyria-Mentor, OH | 2 | $ 199,000 | $ 99,500 | $ 22,000 |
| Colorado Springs, CO | 2 | $ 158,000 | $ 79,000 | $ 55,000 |
| Columbia, SC | 2 | $ 329,000 | $ 164,500 | $ 152,000 |
| Columbus, OH | 2 | $ 122,000 | $ 61,000 | $ 80,000 |
| Dover, DE | 2 | $ 256,000 | $ 128,000 | $ 48,000 |
| Jackson, MS | 2 | $ 191,000 | $ 95,500 | $ 84,000 |
| Lakeland, FL | 2 | $ 216,000 | $ 108,000 | $ 146,000 |
| Las Vegas-Paradise, NV | 2 | $ 449,000 | $ 224,500 | $ 69,000 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 275,000 | $ 137,500 | $ 83,000 |
| Morristown, TN | 2 | $ 185,000 | $ 92,500 | $ 246,000 |
| Mount Vernon-Anacortes, WA | 2 | $ 425,000 | $ 212,500 | $ 198,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 2 | $ 446,000 | $ 223,000 | $ 52,000 |
| Naples-Marco Island, FL | 2 | $ 137,000 | $ 68,500 | $ 104,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 217,000 | $ 108,500 | $ 47,000 |
| Orlando, FL | 2 | $ 159,000 | $ 79,500 | $ 46,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 170,000 | $ 85,000 | $ 30,000 |
| Portland-Vancouver-Beaverton, OR-WA | 2 | $ 207,000 | $ 103,500 | $ 109,000 |
| Punta Gorda, FL | 2 | $ 218,000 | $ 109,000 | $ 53,000 |
| Reading, PA | 2 | $ 385,000 | $ 192,500 | $ 56,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 2 | $ 396,000 | $ 198,000 | $ 87,000 |
| Salem, OR | 2 | $ 219,000 | $ 109,500 | $ 53,000 |
| Tulsa, OK | 2 | $ 138,000 | $ 69,000 | $ 88,000 |
| Vero Beach, FL | 2 | $ 194,000 | $ 97,000 | $ 69,000 |
| Warren-Farmington Hills-Troy, MI | 2 | $ 265,000 | $ 132,500 | $ 56,000 |
| Wilmington, NC | 2 | $ 314,000 | $ 157,000 | $ 62,000 |
| Albuquerque, NM | 1 | $ 139,000 | $ 139,000 | $ 102,000 |
| Anchorage, AK | 1 | $ 220,000 | $ 220,000 | $ 80,000 |
| Bangor, ME | 1 | $ 88,000 | $ 88,000 | $ 28,000 |
| Binghamton, NY | 1 | $ 54,000 | $ 54,000 | $ 123,000 |
| Bremerton-Silverdale, WA | 1 | $ 128,000 | $ 128,000 | $ 79,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 342,000 | $ 342,000 | $ 187,000 |
| Chico, CA | 1 | $ 195,000 | $ 195,000 | $ 46,000 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 128,000 | $ 128,000 | $ 53,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 101,000 | $ 101,000 | $ 60,000 |
| Gainesville, GA | 1 | $ 137,000 | $ 137,000 | $ 32,000 |
| Goldsboro, NC | 1 | $ 131,000 | $ 131,000 | $ 52,000 |
| Green Bay, WI | 1 | $ 76,000 | $ 76,000 | $ 0 |
| Greensboro-High Point, NC | 1 | $ 126,000 | $ 126,000 | $ 68,000 |
| Greenville, SC | 1 | $ 95,000 | $ 95,000 | $ 38,000 |
| Harrisburg-Carlisle, PA | 1 | $ 160,000 | $ 160,000 | $ 75,000 |
| Harrisonburg, VA | 1 | $ 151,000 | $ 151,000 | $ 35,000 |
| Houston-Baytown-Sugar Land, TX | 1 | $ 148,000 | $ 148,000 | $ 150,000 |
| Huntsville, AL | 1 | $ 59,000 | $ 59,000 | $ 84,000 |
| Indianapolis, IN | 1 | $ 90,000 | $ 90,000 | $ 61,000 |
| Jacksonville, NC | 1 | $ 162,000 | $ 162,000 | $ 80,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 83,000 | $ 83,000 | $ 42,000 |
| Knoxville, TN | 1 | $ 94,000 | $ 94,000 | $ 90,000 |
| Lansing-East Lansing, MI | 1 | $ 171,000 | $ 171,000 | $ 150,000 |
| Lexington-Fayette, KY | 1 | $ 106,000 | $ 106,000 | $ 45,000 |
| Madera, CA | 1 | $ 100,000 | $ 100,000 | $ 43,000 |
| Merced, CA | 1 | $ 80,000 | $ 80,000 | $ 83,000 |
| Muskegon-Norton Shores, MI | 1 | $ 126,000 | $ 126,000 | $ 69,000 |
| Nashville-Davidson--Murfreesboro, TN | 1 | $ 130,000 | $ 130,000 | $ 73,000 |
| Oakland-Fremont-Hayward, CA | 1 | $ 187,000 | $ 187,000 | $ 64,000 |
| Pittsfield, MA | 1 | $ 80,000 | $ 80,000 | $ 212,000 |
| Port St. Lucie-Fort Pierce, FL | 1 | $ 203,000 | $ 203,000 | $ 98,000 |
| Redding, CA | 1 | $ 105,000 | $ 105,000 | $ 127,000 |
| San Antonio, TX | 1 | $ 126,000 | $ 126,000 | $ 34,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 276,000 | $ 276,000 | $ 105,000 |
| Santa Ana-Anaheim-Irvine, CA | 1 | $ 450,000 | $ 450,000 | $ 157,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 119,000 | $ 119,000 | $ 47,000 |
| State College, PA | 1 | $ 120,000 | $ 120,000 | $ 49,000 |
| Stockton, CA | 1 | $ 352,000 | $ 352,000 | $ 1,886,000 |
| Wausau, WI | 1 | $ 102,000 | $ 102,000 | $ 93,000 |
| Wilmington, DE-MD-NJ | 1 | $ 140,000 | $ 140,000 | $ 51,000 |
Mortgage Loan Application Detail Totals for Columbia Home Loans, Llc. 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 | 1,709 | $342,345,000 | $162,675 | $3,624,000 | $92,800 | $2,220,000 |
| Home Purchase | 1,209 | $329,931,000 | $194,540 | $1,700,000 | $104,108 | $2,096,000 |
| 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 | 2,162 | $510,295,000 | $190,926 | $3,624,000 | $103,000 | $2,096,000 |
| Hispanic | 276 | $62,367,000 | $189,076 | $1,218,000 | $80,153 | $743,000 |
| Black or African American | 243 | $51,071,000 | $156,066 | $650,000 | $71,200 | $324,000 |
| Not Provided | 170 | $32,471,000 | $155,192 | $891,000 | $87,807 | $2,220,000 |
| Asian | 55 | $14,157,000 | $226,400 | $1,000,000 | $79,100 | $281,000 |
| American Indian or Alaskan Native | 6 | $800,000 | $135,800 | $296,000 | $77,800 | $93,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $926,000 | $175,500 | $351,000 | $126,500 | $145,000 |
| Not applicable | 1 | $189,000 | $189,000 | $189,000 | $80,000 | $80,000 |
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) | 2,826 | $653,214,000 | $179,348 | $3,624,000 | $98,976 | $2,220,000 |
| FHA-insured (Federal Housing Administration) | 92 | $19,062,000 | $191,000 | $411,000 | $60,000 | $151,000 |
| 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 | 2,386 | $539,436,000 | $150,380 | $1,700,000 | $91,571 | $2,220,000 |
| Application Withdrawn By Applicant | 407 | $104,849,000 | $320,416 | $3,624,000 | $139,458 | $1,886,000 |
| Application Denied By Financial Institution | 100 | $21,720,000 | $206,454 | $1,000,000 | $66,363 | $324,000 |
| File Closed For Incompleteness | 18 | $4,640,000 | $310,000 | $450,000 | $112,333 | $202,000 |
| Application Approved But Not Accepted | 7 | $1,631,000 | $281,500 | $350,000 | $117,000 | $138,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 23 | $4,754,000 | $159,833 | $828,000 | $72,333 | $281,000 |
| Credit History | 17 | $3,643,000 | $196,000 | $675,000 | $69,666 | $180,000 |
| Collateral | 16 | $3,417,000 | $272,000 | $650,000 | $63,000 | $144,000 |
| Debt-To-Income Ratio | 13 | $2,131,000 | $168,000 | $535,000 | $63,000 | $110,000 |
| Credit Application Incomplete | 4 | $1,716,000 | $619,000 | $1,000,000 | $166,500 | $293,000 |
| Employment History | 3 | $659,000 | $221,000 | $231,000 | $77,000 | $102,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $663,000 | $331,000 | $520,000 | $27,000 | $54,000 |
| Unverifiable Information | 2 | $312,000 | $156,000 | $238,000 | $82,500 | $86,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Columbia Home Loans, Llc.'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 Columbia Home Loans, Llc.'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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