dba Homepoint Lending Mortgage Lending & HMDA Data, 2008
In 2008, dba Homepoint Lending of Costa Mesa, CA reported 891 mortgage applications totaling $222.3 million. The average application was for $249,514, and applicants reported an average income of $4,997. 0% of its applications resulted in an originated loan and 49% were denied. Its largest markets were Seattle-Bellevue-Everett, WA (36), Tampa-St. Petersburg-Clearwater, FL (32) and Los Angeles-Long Beach-Glendale, CA (31) (applications in parentheses).
| Mortgage Company & Address | dba Homepoint Lending 959 South Coast Drive #490 Costa Mesa, CA 92626 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2008 |
| Total Number of Mortgage Applications | 891 |
| Total Mortgage Loan Application Amount | $222,317,000 |
| Average Mortgage Loan Application Amount | $249,514 |
| Highest Mortgage Loan Application Amount | $975,000 |
| Average Applicant Income | $4,997 |
| Highest Applicant Income | $180,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records dba Homepoint Lending filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Seattle-Bellevue-Everett, WA | 36 | $ 11,062,000 | $ 307,277 | $ 7,000 |
| Tampa-St. Petersburg-Clearwater, FL | 32 | $ 6,635,000 | $ 207,343 | $ 5,000 |
| Los Angeles-Long Beach-Glendale, CA | 31 | $ 11,259,000 | $ 363,193 | $ 6,000 |
| Boston-Quincy, MA | 27 | $ 7,356,000 | $ 272,444 | $ 5,000 |
| Boise City-Nampa, ID | 24 | $ 5,137,000 | $ 214,041 | $ 6,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 23 | $ 7,669,000 | $ 333,434 | $ 7,347 |
| Jacksonville, FL | 22 | $ 5,136,000 | $ 233,454 | $ 6,000 |
| Miami-Miami Beach-Kendall, FL | 19 | $ 4,242,000 | $ 223,263 | $ 3,000 |
| Orlando-Kissimmee, FL | 19 | $ 4,347,000 | $ 228,789 | $ 13,000 |
| Atlanta-Sandy Springs-Marietta, GA | 17 | $ 3,956,000 | $ 232,705 | $ 7,000 |
| Richmond, VA | 17 | $ 3,297,000 | $ 193,941 | $ 5,000 |
| Worcester, MA | 16 | $ 3,719,000 | $ 232,437 | $ 5,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 15 | $ 3,040,000 | $ 202,666 | $ 4,000 |
| Little Rock-North Little Rock-Conway, AR | 13 | $ 2,586,000 | $ 198,923 | $ 4,000 |
| Riverside-San Bernardino-Ontario, CA | 13 | $ 3,096,000 | $ 238,153 | $ 5,000 |
| Baltimore-Towson, MD | 12 | $ 2,617,000 | $ 218,083 | $ 4,000 |
| Cambridge-Newton-Framingham, MA | 12 | $ 3,624,000 | $ 302,000 | $ 5,000 |
| Santa Ana-Anaheim-Irvine, CA | 12 | $ 4,850,000 | $ 404,166 | $ 7,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 11 | $ 2,860,000 | $ 260,000 | $ 5,000 |
| Bradenton-Sarasota-Venice, FL | 10 | $ 2,000,000 | $ 200,000 | $ 5,000 |
| Rockingham County-Strafford County, NH | 10 | $ 2,542,000 | $ 254,200 | $ 5,000 |
| Tacoma, WA | 10 | $ 2,724,000 | $ 272,400 | $ 5,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 10 | $ 2,677,000 | $ 267,700 | $ 5,000 |
| Hartford-West Hartford-East Hartford, CT | 9 | $ 2,136,000 | $ 237,333 | $ 5,000 |
| Portland-Vancouver-Beaverton, OR-WA | 9 | $ 1,826,000 | $ 202,888 | $ 7,000 |
| Providence-New Bedford-Fall River, RI-MA | 9 | $ 2,524,000 | $ 280,444 | $ 11,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 9 | $ 4,309,000 | $ 478,777 | $ 7,000 |
| St. Louis, MO-IL | 9 | $ 1,858,000 | $ 206,444 | $ 3,000 |
| Albuquerque, NM | 8 | $ 1,674,000 | $ 209,250 | $ 5,000 |
| Lakeland-Winter Haven, FL | 8 | $ 1,335,000 | $ 166,875 | $ 3,000 |
| Oakland-Fremont-Hayward, CA | 8 | $ 3,110,000 | $ 388,750 | $ 11,000 |
| Barnstable Town, MA | 7 | $ 2,240,000 | $ 320,000 | $ 6,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 7 | $ 2,745,000 | $ 392,142 | $ 7,000 |
| Bakersfield, CA | 6 | $ 1,494,000 | $ 249,000 | $ 5,000 |
| Cape Coral-Fort Myers, FL | 6 | $ 1,312,000 | $ 218,666 | $ 8,000 |
| Columbia, SC | 6 | $ 1,347,000 | $ 224,500 | $ 6,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 6 | $ 1,229,000 | $ 204,833 | $ 5,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 6 | $ 1,556,000 | $ 259,333 | $ 7,000 |
| San Diego-Carlsbad-San Marcos, CA | 6 | $ 2,534,000 | $ 422,333 | $ 10,000 |
| Wilmington, DE-MD-NJ | 6 | $ 1,375,000 | $ 229,166 | $ 6,000 |
| Bethesda-Frederick-Gaithersburg, MD | 5 | $ 1,791,000 | $ 358,200 | $ 8,000 |
| Chicago-Naperville-Joliet, IL | 5 | $ 1,216,000 | $ 243,200 | $ 0 |
| Dover, DE | 5 | $ 951,000 | $ 190,200 | $ 4,000 |
| Fresno, CA | 5 | $ 1,232,000 | $ 246,400 | $ 3,000 |
| Indianapolis-Carmel, IN | 5 | $ 852,000 | $ 170,400 | $ 5,000 |
| Panama City-Lynn Haven, FL | 5 | $ 951,000 | $ 190,200 | $ 5,000 |
| Peabody, MA | 5 | $ 1,499,000 | $ 299,800 | $ 5,000 |
| Portland-South Portland-Biddeford, ME | 5 | $ 798,000 | $ 159,600 | $ 5,000 |
| Spokane, WA | 5 | $ 1,320,000 | $ 264,000 | $ 6,000 |
| Charleston-North Charleston-Summerville, SC | 4 | $ 803,000 | $ 200,750 | $ 4,000 |
| Charlotte-Gastonia-Concord, NC-SC | 4 | $ 1,337,000 | $ 334,250 | $ 11,000 |
| Coeur D'Alene, ID | 4 | $ 1,464,000 | $ 366,000 | $ 7,000 |
| Gary, IN | 4 | $ 737,000 | $ 184,250 | $ 8,000 |
| Huntsville, AL | 4 | $ 989,000 | $ 247,250 | $ 8,000 |
| Kansas City, MO-KS | 4 | $ 739,000 | $ 184,750 | $ 6,000 |
| Mount Vernon-Anacortes, WA | 4 | $ 727,000 | $ 181,750 | $ 4,000 |
| Pensacola-Ferry Pass-Brent, FL | 4 | $ 652,000 | $ 163,000 | $ 4,000 |
| Punta Gorda, FL | 4 | $ 969,000 | $ 242,250 | $ 4,000 |
| San Francisco-San Mateo-Redwood City, CA | 4 | $ 1,979,000 | $ 494,750 | $ 9,000 |
| Springfield, MA | 4 | $ 888,000 | $ 222,000 | $ 5,000 |
| Vallejo-Fairfield, CA | 4 | $ 1,372,000 | $ 343,000 | $ 6,000 |
| Visalia-Porterville, CA | 4 | $ 1,269,000 | $ 317,250 | $ 7,000 |
| Birmingham-Hoover, AL | 3 | $ 610,000 | $ 203,333 | $ 4,000 |
| Bremerton-Silverdale, WA | 3 | $ 413,000 | $ 137,666 | $ 3,000 |
| Fort Smith, AR-OK | 3 | $ 388,000 | $ 129,333 | $ 19,000 |
| Manchester-Nashua, NH | 3 | $ 777,000 | $ 259,000 | $ 6,000 |
| Naples-Marco Island, FL | 3 | $ 554,000 | $ 184,666 | $ 3,000 |
| Ocala, FL | 3 | $ 740,000 | $ 246,666 | $ 6,000 |
| Oklahoma City, OK | 3 | $ 516,000 | $ 172,000 | $ 7,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 3 | $ 882,000 | $ 294,000 | $ 2,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 1,230,000 | $ 410,000 | $ 10,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 3 | $ 1,382,000 | $ 460,666 | $ 6,000 |
| Santa Fe, NM | 3 | $ 663,000 | $ 221,000 | $ 2,000 |
| Tallahassee, FL | 3 | $ 503,000 | $ 167,666 | $ 3,000 |
| Tulsa, OK | 3 | $ 521,000 | $ 173,666 | $ 3,000 |
| Chico, CA | 2 | $ 697,000 | $ 348,500 | $ 5,000 |
| Hanford-Corcoran, CA | 2 | $ 352,000 | $ 176,000 | $ 8,000 |
| Hot Springs, AR | 2 | $ 431,000 | $ 215,500 | $ 9,000 |
| Idaho Falls, ID | 2 | $ 343,000 | $ 171,500 | $ 7,000 |
| Jefferson City, MO | 2 | $ 393,000 | $ 196,500 | $ 2,000 |
| Las Cruces, NM | 2 | $ 440,000 | $ 220,000 | $ 0 |
| Lynchburg, VA | 2 | $ 373,000 | $ 186,500 | $ 5,000 |
| Merced, CA | 2 | $ 522,000 | $ 261,000 | $ 5,000 |
| Montgomery, AL | 2 | $ 423,000 | $ 211,500 | $ 4,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 2 | $ 414,000 | $ 207,000 | $ 5,000 |
| New Haven-Milford, CT | 2 | $ 524,000 | $ 262,000 | $ 6,000 |
| Olympia, WA | 2 | $ 510,000 | $ 255,000 | $ 5,000 |
| Palm Coast, FL | 2 | $ 361,000 | $ 180,500 | $ 4,000 |
| Pittsfield, MA | 2 | $ 347,000 | $ 173,500 | $ 4,000 |
| Pocatello, ID | 2 | $ 226,000 | $ 113,000 | $ 6,000 |
| Port St. Lucie, FL | 2 | $ 477,000 | $ 238,500 | $ 9,000 |
| Savannah, GA | 2 | $ 463,000 | $ 231,500 | $ 4,000 |
| Sebastian-Vero Beach, FL | 2 | $ 580,000 | $ 290,000 | $ 7,000 |
| Anniston-Oxford, AL | 1 | $ 370,000 | $ 370,000 | $ 5,000 |
| Auburn-Opelika, AL | 1 | $ 193,000 | $ 193,000 | $ 6,000 |
| Bangor, ME | 1 | $ 212,000 | $ 212,000 | $ 5,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 189,000 | $ 189,000 | $ 6,000 |
| Columbia, MO | 1 | $ 190,000 | $ 190,000 | $ 0 |
| Dalton, GA | 1 | $ 228,000 | $ 228,000 | $ 3,000 |
| Des Moines-West Des Moines, IA | 1 | $ 230,000 | $ 230,000 | $ 0 |
| Dubuque, IA | 1 | $ 252,000 | $ 252,000 | $ 5,000 |
| Elkhart-Goshen, IN | 1 | $ 138,000 | $ 138,000 | $ 5,000 |
| Evansville, IN-KY | 1 | $ 94,000 | $ 94,000 | $ 3,000 |
| Farmington, NM | 1 | $ 137,000 | $ 137,000 | $ 6,000 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 104,000 | $ 104,000 | $ 6,000 |
| Fort Wayne, IN | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Gainesville, FL | 1 | $ 196,000 | $ 196,000 | $ 8,000 |
| Greensboro-High Point, NC | 1 | $ 193,000 | $ 193,000 | $ 0 |
| Greenville-Mauldin-Easley, SC | 1 | $ 173,000 | $ 173,000 | $ 4,000 |
| Las Vegas-Paradise, NV | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Longview, WA | 1 | $ 251,000 | $ 251,000 | $ 8,000 |
| Memphis, TN-MS-AR | 1 | $ 178,000 | $ 178,000 | $ 9,000 |
| Mobile, AL | 1 | $ 134,000 | $ 134,000 | $ 4,000 |
| Modesto, CA | 1 | $ 413,000 | $ 413,000 | $ 7,000 |
| Napa, CA | 1 | $ 485,000 | $ 485,000 | $ 10,000 |
| Norwich-New London, CT | 1 | $ 209,000 | $ 209,000 | $ 5,000 |
| Ogden-Clearfield, UT | 1 | $ 200,000 | $ 200,000 | $ 10,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 183,000 | $ 183,000 | $ 7,000 |
| Philadelphia, PA | 1 | $ 122,000 | $ 122,000 | $ 8,000 |
| Redding, CA | 1 | $ 220,000 | $ 220,000 | $ 6,000 |
| Roanoke, VA | 1 | $ 179,000 | $ 179,000 | $ 4,000 |
| San Luis Obispo-Paso Robles, CA | 1 | $ 630,000 | $ 630,000 | $ 7,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 452,000 | $ 452,000 | $ 0 |
| Spartanburg, SC | 1 | $ 310,000 | $ 310,000 | $ 8,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 204,000 | $ 204,000 | $ 7,000 |
| Wenatchee, WA | 1 | $ 143,000 | $ 143,000 | $ 4,000 |
| Yakima, WA | 1 | $ 175,000 | $ 175,000 | $ 5,000 |
Mortgage Loan Application Detail Totals for dba Homepoint Lending in 2008
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 | 883 | $220,742,000 | $249,000 | $975,000 | $5,000 | $180,000 |
| Home Purchase | 6 | $807,000 | $134,000 | $280,000 | $4,000 | $7,000 |
| Home Improvement | 2 | $768,000 | $384,000 | $597,000 | $7,000 | $10,000 |
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 |
|---|---|---|---|---|---|---|
| Not Provided | 450 | $111,877,000 | $248,000 | $975,000 | $6,000 | $180,000 |
| White | 348 | $86,365,000 | $248,000 | $837,000 | $5,000 | $49,000 |
| Hispanic | 55 | $13,778,000 | $250,000 | $651,000 | $5,000 | $14,000 |
| Black or African American | 24 | $5,884,000 | $245,000 | $478,000 | $5,000 | $10,000 |
| Asian | 12 | $3,251,000 | $270,000 | $397,000 | $4,000 | $12,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $1,162,000 | $581,000 | $585,000 | $11,000 | $13,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 450 | $108,659,000 | $241,000 | $690,000 | $5,000 | $34,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 441 | $113,658,000 | $257,000 | $975,000 | $6,000 | $180,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 441 | $109,350,000 | $247,000 | $837,000 | $5,000 | $180,000 |
| Application Withdrawn By Applicant | 327 | $82,286,000 | $251,000 | $975,000 | $5,000 | $40,000 |
| Application Approved But Not Accepted | 87 | $22,114,000 | $254,000 | $654,000 | $7,000 | $18,000 |
| File Closed For Incompleteness | 36 | $8,567,000 | $237,000 | $550,000 | $5,000 | $18,000 |
| Loan Originated | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 235 | $51,821,000 | $220,000 | $774,000 | $6,000 | $180,000 |
| Collateral | 101 | $26,924,000 | $266,000 | $723,000 | $4,000 | $16,000 |
| Debt-To-Income Ratio | 75 | $23,156,000 | $308,000 | $837,000 | $5,000 | $17,000 |
| Other | 14 | $3,846,000 | $274,000 | $540,000 | $7,000 | $18,000 |
| Unverifiable Information | 9 | $2,375,000 | $263,000 | $415,000 | $7,000 | $10,000 |
| Employment History | 7 | $1,228,000 | $175,000 | $260,000 | $4,000 | $9,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into dba Homepoint Lending's 2008 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 dba Homepoint Lending'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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