Decision One Mortgage Mortgage Lending & HMDA Data, 2004
In 2004, Decision One Mortgage of Charlotte, NC reported 157,350 mortgage applications totaling $21.1 billion, up 46% from 2003. The average application was for $134,122, and applicants reported an average income of $57,221. 45% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (5,950), Chicago-Naperville-Joliet, IL (4,742) and Minneapolis-St. Paul-Bloomington, MN-WI (3,973) (applications in parentheses).
| Mortgage Company & Address | Decision One Mortgage 6060 J.A. Jones Drive Charlotte, NC 28287 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2004 2003 |
| Total Number of Mortgage Applications | 157,350 |
| Total Mortgage Loan Application Amount | $21,104,154,000 |
| Average Mortgage Loan Application Amount | $134,122 |
| Highest Mortgage Loan Application Amount | $960,000 |
| Average Applicant Income | $57,221 |
| Highest Applicant Income | $1,300,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Decision One Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Phoenix-Mesa-Scottsdale, AZ | 5,950 | $ 688,109,000 | $ 115,648 | $ 61,000 |
| Chicago-Naperville-Joliet, IL | 4,742 | $ 714,293,000 | $ 150,631 | $ 61,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3,973 | $ 578,620,000 | $ 145,638 | $ 54,000 |
| Atlanta-Sandy Springs-Marietta, GA | 3,694 | $ 474,901,000 | $ 128,560 | $ 62,000 |
| Los Angeles-Long Beach-Glendale, CA | 2,999 | $ 680,532,000 | $ 226,919 | $ 88,000 |
| Riverside-San Bernardino-Ontario, CA | 2,813 | $ 556,342,000 | $ 197,775 | $ 76,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1,849 | $ 223,188,000 | $ 120,707 | $ 50,000 |
| Indianapolis, IN | 1,838 | $ 202,152,000 | $ 109,984 | $ 58,000 |
| Houston-Baytown-Sugar Land, TX | 1,836 | $ 181,229,000 | $ 98,708 | $ 66,000 |
| Orlando, FL | 1,785 | $ 213,379,000 | $ 119,540 | $ 57,000 |
| Seattle-Bellevue-Everett, WA | 1,746 | $ 272,637,000 | $ 156,149 | $ 77,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1,559 | $ 173,034,000 | $ 110,990 | $ 55,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1,544 | $ 312,017,000 | $ 202,083 | $ 79,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1,522 | $ 226,067,000 | $ 148,532 | $ 67,000 |
| Miami-Miami Beach-Kendall, FL | 1,511 | $ 224,558,000 | $ 148,615 | $ 72,000 |
| Modesto, CA | 1,482 | $ 252,470,000 | $ 170,357 | $ 73,000 |
| Denver-Aurora, CO | 1,468 | $ 207,388,000 | $ 141,272 | $ 69,000 |
| Las Vegas-Paradise, NV | 1,454 | $ 235,984,000 | $ 162,299 | $ 67,000 |
| Milwaukee-Waukesha-West Allis, WI | 1,426 | $ 150,369,000 | $ 105,448 | $ 49,000 |
| Philadelphia, PA | 1,401 | $ 241,882,000 | $ 172,649 | $ 72,000 |
| Detroit-Livonia-Dearborn, MI | 1,379 | $ 134,287,000 | $ 97,379 | $ 54,000 |
| Cleveland-Elyria-Mentor, OH | 1,365 | $ 140,643,000 | $ 103,035 | $ 46,000 |
| Charlotte-Gastonia-Concord, NC-SC | 1,357 | $ 150,575,000 | $ 110,961 | $ 65,000 |
| Fresno, CA | 1,354 | $ 191,123,000 | $ 141,154 | $ 65,000 |
| Pittsburgh, PA | 1,318 | $ 132,907,000 | $ 100,839 | $ 52,000 |
| Cincinnati-Middletown, OH-KY-IN | 1,317 | $ 135,294,000 | $ 102,728 | $ 44,000 |
| St. Louis, MO-IL | 1,251 | $ 135,963,000 | $ 108,683 | $ 29,000 |
| Stockton, CA | 1,245 | $ 239,112,000 | $ 192,057 | $ 73,000 |
| Warren-Farmington Hills-Troy, MI | 1,235 | $ 176,617,000 | $ 143,009 | $ 58,000 |
| Portland-Vancouver-Beaverton, OR-WA | 1,217 | $ 147,531,000 | $ 121,225 | $ 61,000 |
| Nashville-Davidson--Murfreesboro, TN | 1,204 | $ 127,290,000 | $ 105,722 | $ 57,000 |
| San Diego-Carlsbad-San Marcos, CA | 1,151 | $ 335,536,000 | $ 291,516 | $ 84,000 |
| Oakland-Fremont-Hayward, CA | 1,144 | $ 306,010,000 | $ 267,491 | $ 89,000 |
| Baltimore-Towson, MD | 1,072 | $ 179,883,000 | $ 167,801 | $ 52,000 |
| Memphis, TN-MS-AR | 1,065 | $ 109,951,000 | $ 103,240 | $ 56,000 |
| Richmond, VA | 1,061 | $ 126,667,000 | $ 119,384 | $ 46,000 |
| Tacoma, WA | 1,038 | $ 134,706,000 | $ 129,774 | $ 58,000 |
| Dallas-Plano-Irving, TX | 950 | $ 103,873,000 | $ 109,340 | $ 74,000 |
| Kansas City, MO-KS | 922 | $ 87,932,000 | $ 95,370 | $ 39,000 |
| Columbus, OH | 919 | $ 108,510,000 | $ 118,073 | $ 43,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 809 | $ 131,207,000 | $ 162,184 | $ 64,000 |
| Providence-New Bedford-Fall River, RI-MA | 773 | $ 133,138,000 | $ 172,235 | $ 66,000 |
| Knoxville, TN | 765 | $ 68,233,000 | $ 89,193 | $ 45,000 |
| Cape Coral-Fort Myers, FL | 724 | $ 84,773,000 | $ 117,089 | $ 55,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 680 | $ 81,079,000 | $ 119,233 | $ 54,000 |
| Camden, NJ | 656 | $ 102,250,000 | $ 155,868 | $ 72,000 |
| Jacksonville, FL | 651 | $ 75,768,000 | $ 116,387 | $ 58,000 |
| Edison, NJ | 639 | $ 141,173,000 | $ 220,928 | $ 86,000 |
| Tucson, AZ | 629 | $ 68,311,000 | $ 108,602 | $ 50,000 |
| Scranton--Wilkes-Barre, PA | 622 | $ 59,305,000 | $ 95,345 | $ 50,000 |
| Bethesda-Frederick-Gaithersburg, MD | 611 | $ 120,057,000 | $ 196,492 | $ 55,000 |
| Toledo, OH | 607 | $ 60,814,000 | $ 100,187 | $ 37,000 |
| Merced, CA | 586 | $ 94,581,000 | $ 161,401 | $ 65,000 |
| Wilmington, DE-MD-NJ | 566 | $ 77,038,000 | $ 136,109 | $ 63,000 |
| Newark-Union, NJ-PA | 565 | $ 128,449,000 | $ 227,343 | $ 88,000 |
| Charleston-North Charleston, SC | 536 | $ 61,895,000 | $ 115,475 | $ 57,000 |
| Grand Rapids-Wyoming, MI | 532 | $ 55,738,000 | $ 104,770 | $ 48,000 |
| New York-Wayne-White Plains, NY-NJ | 531 | $ 139,455,000 | $ 262,627 | $ 79,000 |
| Akron, OH | 524 | $ 50,996,000 | $ 97,320 | $ 46,000 |
| Omaha-Council Bluffs, NE-IA | 522 | $ 46,456,000 | $ 88,996 | $ 56,000 |
| Boston-Quincy, MA | 504 | $ 112,918,000 | $ 224,043 | $ 73,000 |
| Columbia, SC | 481 | $ 48,937,000 | $ 101,740 | $ 54,000 |
| Louisville, KY-IN | 472 | $ 45,577,000 | $ 96,561 | $ 52,000 |
| Santa Ana-Anaheim-Irvine, CA | 471 | $ 133,666,000 | $ 283,791 | $ 95,000 |
| Nassau-Suffolk, NY | 460 | $ 110,439,000 | $ 240,084 | $ 78,000 |
| Chattanooga, TN-GA | 434 | $ 41,610,000 | $ 95,875 | $ 43,000 |
| Raleigh-Cary, NC | 427 | $ 48,888,000 | $ 114,491 | $ 61,000 |
| Salt Lake City, UT | 421 | $ 49,012,000 | $ 116,418 | $ 54,000 |
| Salem, OR | 417 | $ 42,266,000 | $ 101,357 | $ 55,000 |
| Greensboro-High Point, NC | 413 | $ 39,620,000 | $ 95,932 | $ 52,000 |
| Boise City-Nampa, ID | 409 | $ 36,645,000 | $ 89,596 | $ 51,000 |
| Flint, MI | 408 | $ 41,941,000 | $ 102,796 | $ 52,000 |
| Hartford-West Hartford-East Hartford, CT | 399 | $ 55,411,000 | $ 138,874 | $ 59,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 391 | $ 126,255,000 | $ 322,902 | $ 94,000 |
| Fort Worth-Arlington, TX | 382 | $ 34,233,000 | $ 89,615 | $ 64,000 |
| Wichita, KS | 375 | $ 30,407,000 | $ 81,085 | $ 40,000 |
| Greenville, SC | 365 | $ 34,728,000 | $ 95,145 | $ 47,000 |
| Colorado Springs, CO | 363 | $ 47,616,000 | $ 131,173 | $ 64,000 |
| Dayton, OH | 362 | $ 36,148,000 | $ 99,856 | $ 38,000 |
| Oklahoma City, OK | 358 | $ 29,705,000 | $ 82,974 | $ 49,000 |
| Des Moines, IA | 354 | $ 32,175,000 | $ 90,889 | $ 17,000 |
| Fort Wayne, IN | 346 | $ 32,931,000 | $ 95,176 | $ 55,000 |
| Asheville, NC | 345 | $ 36,925,000 | $ 107,028 | $ 52,000 |
| Albuquerque, NM | 338 | $ 38,174,000 | $ 112,940 | $ 57,000 |
| Gary, IN | 338 | $ 34,447,000 | $ 101,914 | $ 49,000 |
| Eugene-Springfield, OR | 325 | $ 36,095,000 | $ 111,061 | $ 63,000 |
| Harrisburg-Carlisle, PA | 313 | $ 34,495,000 | $ 110,207 | $ 55,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 311 | $ 88,589,000 | $ 284,852 | $ 98,000 |
| Bakersfield, CA | 301 | $ 38,281,000 | $ 127,179 | $ 64,000 |
| Worcester, MA | 295 | $ 50,434,000 | $ 170,962 | $ 57,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 290 | $ 32,988,000 | $ 113,751 | $ 56,000 |
| Lake County-Kenosha County, IL-WI | 287 | $ 42,087,000 | $ 146,644 | $ 67,000 |
| Lansing-East Lansing, MI | 283 | $ 29,106,000 | $ 102,848 | $ 46,000 |
| New Haven-Milford, CT | 282 | $ 43,956,000 | $ 155,872 | $ 67,000 |
| Tulsa, OK | 279 | $ 26,349,000 | $ 94,440 | $ 49,000 |
| Winston-Salem, NC | 276 | $ 24,937,000 | $ 90,351 | $ 53,000 |
| Hickory-Lenoir-Morganton, NC | 274 | $ 22,972,000 | $ 83,839 | $ 46,000 |
| Lexington-Fayette, KY | 270 | $ 23,762,000 | $ 88,007 | $ 47,000 |
| Palm Bay-Melbourne-Titusville, FL | 267 | $ 32,652,000 | $ 122,292 | $ 53,000 |
| Terre Haute, IN | 260 | $ 20,139,000 | $ 77,457 | $ 42,000 |
| Canton-Massillon, OH | 256 | $ 24,958,000 | $ 97,492 | $ 34,000 |
| Vallejo-Fairfield, CA | 244 | $ 57,857,000 | $ 237,118 | $ 79,000 |
| Essex County, MA | 241 | $ 48,765,000 | $ 202,344 | $ 63,000 |
| Roanoke, VA | 240 | $ 23,488,000 | $ 97,866 | $ 41,000 |
| Lakeland, FL | 237 | $ 22,052,000 | $ 93,046 | $ 50,000 |
| Durham, NC | 231 | $ 26,558,000 | $ 114,969 | $ 65,000 |
| Visalia-Porterville, CA | 230 | $ 29,778,000 | $ 129,469 | $ 71,000 |
| York-Hanover, PA | 224 | $ 27,556,000 | $ 123,017 | $ 58,000 |
| Ogden-Clearfield, UT | 223 | $ 23,469,000 | $ 105,242 | $ 62,000 |
| Lancaster, PA | 222 | $ 26,269,000 | $ 118,328 | $ 54,000 |
| New Orleans-Metairie-Kenner, LA | 222 | $ 22,703,000 | $ 102,265 | $ 51,000 |
| Pensacola-Ferry Pass-Brent, FL | 220 | $ 22,900,000 | $ 104,090 | $ 61,000 |
| Yuba City, CA | 219 | $ 31,582,000 | $ 144,210 | $ 58,000 |
| Port St. Lucie-Fort Pierce, FL | 217 | $ 29,799,000 | $ 137,322 | $ 58,000 |
| Cambridge-Newton-Framingham, MA | 216 | $ 49,825,000 | $ 230,671 | $ 71,000 |
| Bloomington, IN | 214 | $ 21,416,000 | $ 100,074 | $ 54,000 |
| Buffalo-Niagara Falls, NY | 213 | $ 16,471,000 | $ 77,328 | $ 47,000 |
| Madera, CA | 202 | $ 32,773,000 | $ 162,242 | $ 74,000 |
| Madison, WI | 202 | $ 25,093,000 | $ 124,222 | $ 44,000 |
| Cleveland, TN | 201 | $ 17,926,000 | $ 89,184 | $ 49,000 |
| Naples-Marco Island, FL | 201 | $ 32,067,000 | $ 159,537 | $ 67,000 |
| Provo-Orem, UT | 198 | $ 22,446,000 | $ 113,363 | $ 58,000 |
| Evansville, IN-KY | 196 | $ 16,435,000 | $ 83,852 | $ 42,000 |
| Kalamazoo-Portage, MI | 195 | $ 20,951,000 | $ 107,441 | $ 37,000 |
| San Francisco-San Mateo-Redwood City, CA | 195 | $ 70,669,000 | $ 362,405 | $ 112,000 |
| Davenport-Moline-Rock Island, IA-IL | 194 | $ 14,993,000 | $ 77,283 | $ 27,000 |
| Shreveport-Bossier City, LA | 194 | $ 16,107,000 | $ 83,025 | $ 52,000 |
| Sarasota-Bradenton-Venice, FL | 193 | $ 29,430,000 | $ 152,487 | $ 59,000 |
| Bremerton-Silverdale, WA | 191 | $ 24,731,000 | $ 129,481 | $ 64,000 |
| Youngstown-Warren-Boardman, OH-PA | 188 | $ 16,446,000 | $ 87,478 | $ 36,000 |
| Kokomo, IN | 186 | $ 17,718,000 | $ 95,258 | $ 53,000 |
| Olympia, WA | 185 | $ 23,087,000 | $ 124,794 | $ 60,000 |
| San Antonio, TX | 184 | $ 17,605,000 | $ 95,679 | $ 59,000 |
| Cedar Rapids, IA | 180 | $ 15,664,000 | $ 87,022 | $ 17,000 |
| Portland-South Portland-Biddeford, ME | 174 | $ 24,845,000 | $ 142,787 | $ 61,000 |
| Austin-Round Rock, TX | 172 | $ 18,979,000 | $ 110,343 | $ 78,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 164 | $ 19,038,000 | $ 116,085 | $ 69,000 |
| Bridgeport-Stamford-Norwalk, CT | 160 | $ 36,739,000 | $ 229,618 | $ 73,000 |
| Reading, PA | 160 | $ 20,656,000 | $ 129,100 | $ 60,000 |
| Elkhart-Goshen, IN | 157 | $ 14,751,000 | $ 93,955 | $ 42,000 |
| Holland-Grand Haven, MI | 157 | $ 17,542,000 | $ 111,732 | $ 52,000 |
| Rochester, NY | 157 | $ 15,897,000 | $ 101,254 | $ 39,000 |
| Greeley, CO | 156 | $ 21,331,000 | $ 136,737 | $ 60,000 |
| Fayetteville, NC | 152 | $ 12,042,000 | $ 79,223 | $ 51,000 |
| Spartanburg, SC | 147 | $ 12,064,000 | $ 82,068 | $ 48,000 |
| Springfield, MA | 147 | $ 17,701,000 | $ 120,414 | $ 41,000 |
| Tallahassee, FL | 147 | $ 15,751,000 | $ 107,149 | $ 60,000 |
| St. Cloud, MN | 145 | $ 15,840,000 | $ 109,241 | $ 40,000 |
| Lincoln, NE | 144 | $ 13,899,000 | $ 96,520 | $ 54,000 |
| Lynchburg, VA | 144 | $ 14,038,000 | $ 97,486 | $ 42,000 |
| Ocala, FL | 144 | $ 12,272,000 | $ 85,222 | $ 42,000 |
| Dover, DE | 141 | $ 16,904,000 | $ 119,886 | $ 53,000 |
| South Bend-Mishawaka, IN-MI | 141 | $ 12,350,000 | $ 87,588 | $ 45,000 |
| Duluth, MN-WI | 140 | $ 14,956,000 | $ 106,828 | $ 41,000 |
| Binghamton, NY | 138 | $ 11,052,000 | $ 80,086 | $ 36,000 |
| Chico, CA | 138 | $ 23,348,000 | $ 169,188 | $ 72,000 |
| Fargo, ND-MN | 137 | $ 12,546,000 | $ 91,576 | $ 64,000 |
| Wilmington, NC | 137 | $ 16,160,000 | $ 117,956 | $ 70,000 |
| Atlantic City, NJ | 135 | $ 22,958,000 | $ 170,059 | $ 74,000 |
| Redding, CA | 130 | $ 18,422,000 | $ 141,707 | $ 64,000 |
| Racine, WI | 127 | $ 14,287,000 | $ 112,496 | $ 38,000 |
| Springfield, MO | 125 | $ 10,961,000 | $ 87,688 | $ 26,000 |
| Birmingham-Hoover, AL | 124 | $ 12,424,000 | $ 100,193 | $ 58,000 |
| Ann Arbor, MI | 123 | $ 18,235,000 | $ 148,252 | $ 58,000 |
| Macon, GA | 123 | $ 11,289,000 | $ 91,780 | $ 51,000 |
| Manchester-Nashua, NH | 122 | $ 19,564,000 | $ 160,360 | $ 75,000 |
| Anderson, IN | 121 | $ 10,233,000 | $ 84,570 | $ 46,000 |
| Norwich-New London, CT | 120 | $ 17,876,000 | $ 148,966 | $ 79,000 |
| Prescott, AZ | 120 | $ 15,804,000 | $ 131,700 | $ 64,000 |
| Altoona, PA | 119 | $ 10,015,000 | $ 84,159 | $ 39,000 |
| Baton Rouge, LA | 119 | $ 11,004,000 | $ 92,470 | $ 53,000 |
| Fort Collins-Loveland, CO | 119 | $ 15,764,000 | $ 132,470 | $ 56,000 |
| Little Rock-North Little Rock, AR | 117 | $ 13,198,000 | $ 112,803 | $ 54,000 |
| Muskegon-Norton Shores, MI | 115 | $ 9,168,000 | $ 79,721 | $ 32,000 |
| Battle Creek, MI | 113 | $ 9,713,000 | $ 85,955 | $ 40,000 |
| Clarksville, TN-KY | 112 | $ 9,201,000 | $ 82,151 | $ 45,000 |
| Jackson, MS | 111 | $ 10,058,000 | $ 90,612 | $ 50,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 111 | $ 20,708,000 | $ 186,558 | $ 69,000 |
| Savannah, GA | 109 | $ 12,689,000 | $ 116,412 | $ 57,000 |
| Albany-Schenectady-Troy, NY | 108 | $ 13,346,000 | $ 123,574 | $ 57,000 |
| Charlottesville, VA | 108 | $ 15,918,000 | $ 147,388 | $ 44,000 |
| Rochester, MN | 108 | $ 12,264,000 | $ 113,555 | $ 44,000 |
| Salinas, CA | 108 | $ 34,163,000 | $ 316,324 | $ 88,000 |
| Green Bay, WI | 105 | $ 9,744,000 | $ 92,800 | $ 37,000 |
| Monroe, MI | 103 | $ 13,333,000 | $ 129,446 | $ 55,000 |
| Rockingham County-Strafford County, NH | 102 | $ 16,921,000 | $ 165,892 | $ 68,000 |
| Sioux Falls, SD | 100 | $ 8,653,000 | $ 86,530 | $ 54,000 |
| Charleston, WV | 98 | $ 8,756,000 | $ 89,346 | $ 45,000 |
| Janesville, WI | 95 | $ 8,840,000 | $ 93,052 | $ 31,000 |
| Lafayette, IN | 95 | $ 10,691,000 | $ 112,536 | $ 52,000 |
| Morristown, TN | 94 | $ 9,076,000 | $ 96,553 | $ 49,000 |
| Jackson, MI | 93 | $ 10,219,000 | $ 109,881 | $ 42,000 |
| Bend, OR | 92 | $ 10,825,000 | $ 117,663 | $ 74,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 92 | $ 12,106,000 | $ 131,586 | $ 60,000 |
| Saginaw-Saginaw Township North, MI | 92 | $ 7,898,000 | $ 85,847 | $ 41,000 |
| Trenton-Ewing, NJ | 92 | $ 15,386,000 | $ 167,239 | $ 70,000 |
| Columbus, IN | 90 | $ 9,270,000 | $ 103,000 | $ 48,000 |
| Muncie, IN | 90 | $ 8,399,000 | $ 93,322 | $ 47,000 |
| Appleton, WI | 89 | $ 8,280,000 | $ 93,033 | $ 35,000 |
| Fort Walton Beach-Crestview-Destin, FL | 88 | $ 10,117,000 | $ 114,965 | $ 67,000 |
| State College, PA | 88 | $ 11,072,000 | $ 125,818 | $ 57,000 |
| Columbus, GA-AL | 85 | $ 7,807,000 | $ 91,847 | $ 50,000 |
| Florence, SC | 85 | $ 8,717,000 | $ 102,552 | $ 52,000 |
| Medford, OR | 85 | $ 11,334,000 | $ 133,341 | $ 64,000 |
| Casper, WY | 83 | $ 7,897,000 | $ 95,144 | $ 39,000 |
| Kingsport-Bristol-Bristol, TN-VA | 82 | $ 6,137,000 | $ 74,841 | $ 42,000 |
| Niles-Benton Harbor, MI | 81 | $ 9,271,000 | $ 114,456 | $ 45,000 |
| Anderson, SC | 79 | $ 8,018,000 | $ 101,493 | $ 48,000 |
| Springfield, OH | 79 | $ 7,642,000 | $ 96,734 | $ 31,000 |
| Waterloo-Cedar Falls, IA | 79 | $ 5,756,000 | $ 72,860 | $ 10,000 |
| Winchester, VA-WV | 79 | $ 11,403,000 | $ 144,341 | $ 51,000 |
| Johnson City, TN | 77 | $ 6,718,000 | $ 87,246 | $ 54,000 |
| Williamsport, PA | 77 | $ 6,289,000 | $ 81,675 | $ 40,000 |
| Hanford-Corcoran, CA | 74 | $ 8,212,000 | $ 110,972 | $ 59,000 |
| Oshkosh-Neenah, WI | 73 | $ 6,829,000 | $ 93,547 | $ 34,000 |
| Pueblo, CO | 73 | $ 6,887,000 | $ 94,342 | $ 45,000 |
| Athens-Clarke County, GA | 72 | $ 8,216,000 | $ 114,111 | $ 59,000 |
| Jackson, TN | 72 | $ 5,916,000 | $ 82,166 | $ 44,000 |
| Peoria, IL | 72 | $ 6,605,000 | $ 91,736 | $ 38,000 |
| Reno-Sparks, NV | 72 | $ 12,130,000 | $ 168,472 | $ 70,000 |
| Topeka, KS | 72 | $ 5,977,000 | $ 83,013 | $ 26,000 |
| Spokane, WA | 71 | $ 7,541,000 | $ 106,211 | $ 54,000 |
| Eau Claire, WI | 70 | $ 5,509,000 | $ 78,700 | $ 28,000 |
| Gainesville, GA | 70 | $ 9,290,000 | $ 132,714 | $ 56,000 |
| Cheyenne, WY | 68 | $ 7,772,000 | $ 114,294 | $ 43,000 |
| Erie, PA | 68 | $ 6,475,000 | $ 95,220 | $ 55,000 |
| Mount Vernon-Anacortes, WA | 68 | $ 9,210,000 | $ 135,441 | $ 59,000 |
| Rapid City, SD | 68 | $ 6,249,000 | $ 91,897 | $ 50,000 |
| Rockford, IL | 68 | $ 6,989,000 | $ 102,779 | $ 42,000 |
| Burlington, NC | 64 | $ 5,516,000 | $ 86,187 | $ 49,000 |
| St. Joseph, MO-KS | 62 | $ 5,563,000 | $ 89,725 | $ 35,000 |
| Punta Gorda, FL | 61 | $ 6,697,000 | $ 109,786 | $ 45,000 |
| Lima, OH | 58 | $ 4,736,000 | $ 81,655 | $ 32,000 |
| Billings, MT | 57 | $ 5,076,000 | $ 89,052 | $ 54,000 |
| Gainesville, FL | 57 | $ 4,813,000 | $ 84,438 | $ 44,000 |
| Augusta-Richmond County, GA-SC | 56 | $ 5,521,000 | $ 98,589 | $ 50,000 |
| Boulder, CO | 56 | $ 9,176,000 | $ 163,857 | $ 71,000 |
| Panama City-Lynn Haven, FL | 55 | $ 8,775,000 | $ 159,545 | $ 78,000 |
| Greenville, NC | 54 | $ 5,463,000 | $ 101,166 | $ 56,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 52 | $ 13,937,000 | $ 268,019 | $ 76,000 |
| Corvallis, OR | 51 | $ 6,489,000 | $ 127,235 | $ 68,000 |
| Joplin, MO | 51 | $ 3,849,000 | $ 75,470 | $ 16,000 |
| McAllen-Edinburg-Pharr, TX | 51 | $ 4,199,000 | $ 82,333 | $ 52,000 |
| Sheboygan, WI | 50 | $ 5,275,000 | $ 105,500 | $ 29,000 |
| Danville, VA | 49 | $ 4,141,000 | $ 84,510 | $ 44,000 |
| Owensboro, KY | 49 | $ 3,862,000 | $ 78,816 | $ 47,000 |
| Fond Du Lac, WI | 48 | $ 4,441,000 | $ 92,520 | $ 41,000 |
| Kennewick-Richland-Pasco, WA | 48 | $ 4,771,000 | $ 99,395 | $ 58,000 |
| Parkersburg-Marietta, WV-OH | 47 | $ 3,577,000 | $ 76,106 | $ 40,000 |
| El Centro, CA | 46 | $ 6,717,000 | $ 146,021 | $ 67,000 |
| Champaign-Urbana, IL | 45 | $ 3,740,000 | $ 83,111 | $ 58,000 |
| Elizabethtown, KY | 45 | $ 4,290,000 | $ 95,333 | $ 50,000 |
| Hagerstown-Martinsburg, MD-WV | 45 | $ 6,330,000 | $ 140,666 | $ 31,000 |
| Vineland-Millville-Bridgeton, NJ | 45 | $ 5,543,000 | $ 123,177 | $ 70,000 |
| Lebanon, PA | 44 | $ 4,338,000 | $ 98,590 | $ 48,000 |
| Longview, WA | 44 | $ 4,137,000 | $ 94,022 | $ 57,000 |
| Rocky Mount, NC | 44 | $ 3,439,000 | $ 78,159 | $ 48,000 |
| Sioux City, IA-NE-SD | 44 | $ 2,996,000 | $ 68,090 | $ 29,000 |
| Warner Robins, GA | 44 | $ 4,343,000 | $ 98,704 | $ 52,000 |
| Johnstown, PA | 43 | $ 3,473,000 | $ 80,767 | $ 41,000 |
| Michigan City-La Porte, IN | 43 | $ 4,807,000 | $ 111,790 | $ 61,000 |
| Ocean City, NJ | 43 | $ 7,934,000 | $ 184,511 | $ 82,000 |
| Sandusky, OH | 43 | $ 4,636,000 | $ 107,813 | $ 40,000 |
| Santa Rosa-Petaluma, CA | 43 | $ 12,003,000 | $ 279,139 | $ 93,000 |
| Waco, TX | 43 | $ 3,488,000 | $ 81,116 | $ 46,000 |
| Wausau, WI | 43 | $ 3,626,000 | $ 84,325 | $ 24,000 |
| Beaumont-Port Arthur, TX | 42 | $ 3,405,000 | $ 81,071 | $ 56,000 |
| Iowa City, IA | 42 | $ 4,387,000 | $ 104,452 | $ 24,000 |
| Lake Charles, LA | 41 | $ 4,288,000 | $ 104,585 | $ 50,000 |
| Corpus Christi, TX | 40 | $ 2,908,000 | $ 72,700 | $ 50,000 |
| Elmira, NY | 40 | $ 3,101,000 | $ 77,525 | $ 36,000 |
| Mansfield, OH | 40 | $ 3,906,000 | $ 97,650 | $ 27,000 |
| Bellingham, WA | 39 | $ 5,095,000 | $ 130,641 | $ 53,000 |
| Bowling Green, KY | 39 | $ 3,827,000 | $ 98,128 | $ 45,000 |
| Salisbury, MD | 39 | $ 5,286,000 | $ 135,538 | $ 17,000 |
| Syracuse, NY | 38 | $ 3,119,000 | $ 82,078 | $ 47,000 |
| Yuma, AZ | 38 | $ 4,002,000 | $ 105,315 | $ 45,000 |
| St. George, UT | 36 | $ 4,505,000 | $ 125,138 | $ 67,000 |
| Barnstable Town, MA | 35 | $ 7,420,000 | $ 212,000 | $ 56,000 |
| Dalton, GA | 35 | $ 3,403,000 | $ 97,228 | $ 48,000 |
| Hattiesburg, MS | 35 | $ 3,076,000 | $ 87,885 | $ 57,000 |
| Jacksonville, NC | 35 | $ 2,776,000 | $ 79,314 | $ 56,000 |
| Santa Cruz-Watsonville, CA | 35 | $ 12,476,000 | $ 356,457 | $ 91,000 |
| Brownsville-Harlingen, TX | 34 | $ 3,438,000 | $ 101,117 | $ 67,000 |
| Harrisonburg, VA | 34 | $ 3,488,000 | $ 102,588 | $ 40,000 |
| Morgantown, WV | 34 | $ 3,663,000 | $ 107,735 | $ 44,000 |
| Bismarck, ND | 33 | $ 2,703,000 | $ 81,909 | $ 53,000 |
| Fort Smith, AR-OK | 33 | $ 3,339,000 | $ 101,181 | $ 56,000 |
| Jonesboro, AR | 33 | $ 3,731,000 | $ 113,060 | $ 52,000 |
| Kankakee-Bradley, IL | 33 | $ 3,462,000 | $ 104,909 | $ 51,000 |
| Lawrence, KS | 33 | $ 4,403,000 | $ 133,424 | $ 42,000 |
| Vero Beach, FL | 33 | $ 3,605,000 | $ 109,242 | $ 65,000 |
| Columbia, MO | 32 | $ 3,421,000 | $ 106,906 | $ 27,000 |
| Dubuque, IA | 32 | $ 2,433,000 | $ 76,031 | $ 9,000 |
| Flagstaff, AZ | 32 | $ 4,890,000 | $ 152,812 | $ 67,000 |
| Mobile, AL | 32 | $ 2,739,000 | $ 85,593 | $ 56,000 |
| Montgomery, AL | 32 | $ 3,307,000 | $ 103,343 | $ 54,000 |
| Yakima, WA | 31 | $ 2,782,000 | $ 89,741 | $ 45,000 |
| Bay City, MI | 30 | $ 2,742,000 | $ 91,400 | $ 49,000 |
| Ames, IA | 29 | $ 2,699,000 | $ 93,068 | $ 4,000 |
| Brunswick, GA | 29 | $ 4,510,000 | $ 155,517 | $ 56,000 |
| Dothan, AL | 29 | $ 2,217,000 | $ 76,448 | $ 50,000 |
| Huntington-Ashland, WV-KY-OH | 29 | $ 2,278,000 | $ 78,551 | $ 37,000 |
| Glens Falls, NY | 28 | $ 2,766,000 | $ 98,785 | $ 50,000 |
| Huntsville, AL | 28 | $ 3,688,000 | $ 131,714 | $ 62,000 |
| Hinesville-Fort Stewart, GA | 27 | $ 2,154,000 | $ 79,777 | $ 46,000 |
| Napa, CA | 27 | $ 9,072,000 | $ 336,000 | $ 105,000 |
| Blacksburg-Christiansburg-Radford, VA | 26 | $ 2,699,000 | $ 103,807 | $ 47,000 |
| Kingston, NY | 26 | $ 4,418,000 | $ 169,923 | $ 65,000 |
| Santa Fe, NM | 25 | $ 5,244,000 | $ 209,760 | $ 71,000 |
| Weirton-Steubenville, WV-OH | 25 | $ 1,833,000 | $ 73,320 | $ 34,000 |
| Albany, GA | 24 | $ 2,146,000 | $ 89,416 | $ 51,000 |
| Alexandria, LA | 24 | $ 2,605,000 | $ 108,541 | $ 64,000 |
| Lafayette, LA | 24 | $ 2,293,000 | $ 95,541 | $ 42,000 |
| Coeur D'Alene, ID | 23 | $ 2,997,000 | $ 130,304 | $ 63,000 |
| Goldsboro, NC | 23 | $ 1,915,000 | $ 83,260 | $ 56,000 |
| Grand Junction, CO | 23 | $ 3,119,000 | $ 135,608 | $ 41,000 |
| Wenatchee, WA | 23 | $ 2,435,000 | $ 105,869 | $ 52,000 |
| Idaho Falls, ID | 22 | $ 1,748,000 | $ 79,454 | $ 54,000 |
| Danville, IL | 21 | $ 1,346,000 | $ 64,095 | $ 42,000 |
| Lewiston-Auburn, ME | 21 | $ 1,838,000 | $ 87,523 | $ 34,000 |
| Wheeling, WV-OH | 21 | $ 1,683,000 | $ 80,142 | $ 51,000 |
| Auburn-Opelika, AL | 20 | $ 1,723,000 | $ 86,150 | $ 51,000 |
| Bangor, ME | 20 | $ 2,428,000 | $ 121,400 | $ 40,000 |
| College Station-Bryan, TX | 20 | $ 2,127,000 | $ 106,350 | $ 71,000 |
| Cumberland, MD-WV | 20 | $ 1,858,000 | $ 92,900 | $ 21,000 |
| Decatur, AL | 20 | $ 1,473,000 | $ 73,650 | $ 44,000 |
| Hot Springs, AR | 19 | $ 2,383,000 | $ 125,421 | $ 55,000 |
| Jefferson City, MO | 19 | $ 1,585,000 | $ 83,421 | $ 0 |
| Killeen-Temple-Fort Hood, TX | 19 | $ 1,374,000 | $ 72,315 | $ 52,000 |
| Pocatello, ID | 19 | $ 1,332,000 | $ 70,105 | $ 35,000 |
| Sumter, SC | 19 | $ 1,710,000 | $ 90,000 | $ 57,000 |
| Utica-Rome, NY | 19 | $ 2,173,000 | $ 114,368 | $ 40,000 |
| Las Cruces, NM | 18 | $ 2,287,000 | $ 127,055 | $ 70,000 |
| Tyler, TX | 18 | $ 1,399,000 | $ 77,722 | $ 49,000 |
| Houma-Bayou Cane-Thibodaux, LA | 17 | $ 1,484,000 | $ 87,294 | $ 52,000 |
| San Luis Obispo-Paso Robles, CA | 17 | $ 4,867,000 | $ 286,294 | $ 125,000 |
| Amarillo, TX | 16 | $ 938,000 | $ 58,625 | $ 42,000 |
| El Paso, TX | 16 | $ 1,735,000 | $ 108,437 | $ 46,000 |
| Rome, GA | 16 | $ 1,789,000 | $ 111,812 | $ 53,000 |
| San Angelo, TX | 16 | $ 1,035,000 | $ 64,687 | $ 61,000 |
| Decatur, IL | 15 | $ 1,355,000 | $ 90,333 | $ 39,000 |
| Pascagoula, MS | 14 | $ 923,000 | $ 65,928 | $ 42,000 |
| Bloomington-Normal, IL | 13 | $ 1,683,000 | $ 129,461 | $ 64,000 |
| Lubbock, TX | 13 | $ 1,230,000 | $ 94,615 | $ 35,000 |
| Monroe, LA | 13 | $ 1,388,000 | $ 106,769 | $ 61,000 |
| Sherman-Denison, TX | 13 | $ 1,026,000 | $ 78,923 | $ 69,000 |
| Tuscaloosa, AL | 13 | $ 1,493,000 | $ 114,846 | $ 65,000 |
| Grand Forks, ND-MN | 12 | $ 1,067,000 | $ 88,916 | $ 52,000 |
| La Crosse, WI-MN | 12 | $ 1,080,000 | $ 90,000 | $ 42,000 |
| Springfield, IL | 12 | $ 1,292,000 | $ 107,666 | $ 35,000 |
| Valdosta, GA | 12 | $ 1,112,000 | $ 92,666 | $ 36,000 |
| Longview, TX | 11 | $ 1,225,000 | $ 111,363 | $ 71,000 |
| Pittsfield, MA | 11 | $ 1,180,000 | $ 107,272 | $ 44,000 |
| Victoria, TX | 11 | $ 881,000 | $ 80,090 | $ 55,000 |
| Gulfport-Biloxi, MS | 10 | $ 1,094,000 | $ 109,400 | $ 62,000 |
| Lawton, OK | 10 | $ 711,000 | $ 71,100 | $ 39,000 |
| Logan, UT-ID | 10 | $ 1,427,000 | $ 142,700 | $ 65,000 |
| Missoula, MT | 10 | $ 1,298,000 | $ 129,800 | $ 50,000 |
| Pine Bluff, AR | 10 | $ 1,050,000 | $ 105,000 | $ 55,000 |
| Anniston-Oxford, AL | 9 | $ 790,000 | $ 87,777 | $ 40,000 |
| Gadsden, AL | 9 | $ 907,000 | $ 100,777 | $ 56,000 |
| Farmington, NM | 7 | $ 909,000 | $ 129,857 | $ 116,000 |
| Laredo, TX | 7 | $ 554,000 | $ 79,142 | $ 63,000 |
| Lewiston, ID-WA | 7 | $ 498,000 | $ 71,142 | $ 75,000 |
| Midland, TX | 6 | $ 360,000 | $ 60,000 | $ 61,000 |
| Carson City, NV | 5 | $ 720,000 | $ 144,000 | $ 72,000 |
| Florence-Muscle Shoals, AL | 5 | $ 482,000 | $ 96,400 | $ 51,000 |
| Great Falls, MT | 4 | $ 245,000 | $ 61,250 | $ 51,000 |
| Burlington-South Burlington, VT | 3 | $ 724,000 | $ 241,333 | $ 64,000 |
| Ithaca, NY | 3 | $ 213,000 | $ 71,000 | $ 29,000 |
| Texarkana, Tx-Texarkana, AR | 2 | $ 141,000 | $ 70,500 | $ 58,000 |
| Odessa, TX | 1 | $ 53,000 | $ 53,000 | $ 36,000 |
| Wichita Falls, TX | 1 | $ 109,000 | $ 109,000 | $ 49,000 |
Mortgage Loan Application Detail Totals for Decision One Mortgage 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 79,376 | $9,499,610,000 | $105,583 | $960,000 | $51,541 | $1,300,000 |
| Refinancing | 77,959 | $11,602,758,000 | $135,687 | $850,000 | $54,812 | $1,196,000 |
| Home Improvement | 15 | $1,786,000 | $137,400 | $251,000 | $34,100 | $82,000 |
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 |
|---|---|---|---|---|---|---|
| White | 73,287 | $9,511,440,000 | $123,122 | $850,000 | $59,183 | $1,300,000 |
| Not Provided | 21,453 | $3,235,535,000 | $133,224 | $750,000 | $61,591 | $1,008,000 |
| Not applicable | 20,257 | $2,292,558,000 | $123,723 | $681,000 | $33,893 | $264,000 |
| Hispanic | 19,395 | $2,942,977,000 | $117,425 | $750,000 | $52,595 | $1,176,000 |
| Black or African American | 18,547 | $2,310,078,000 | $122,979 | $960,000 | $57,916 | $1,044,000 |
| Asian | 3,174 | $610,156,000 | $138,782 | $750,000 | $63,978 | $900,000 |
| Native Hawaiian or Other Pacific Islander | 755 | $135,766,000 | $140,810 | $750,000 | $65,054 | $360,000 |
| American Indian or Alaskan Native | 482 | $65,644,000 | $117,209 | $563,000 | $53,930 | $263,000 |
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) | 157,347 | $21,103,766,000 | $122,530 | $960,000 | $53,346 | $1,300,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $271,000 | $135,500 | $217,000 | $48,000 | $64,000 |
| VA-guaranteed (Veterans Administration) | 1 | $117,000 | $117,000 | $117,000 | $50,000 | $50,000 |
| FHA-insured (Federal Housing 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 | 70,852 | $9,124,911,000 | $116,297 | $785,000 | $56,765 | $1,196,000 |
| Loan Purchased By The Institution | 26,848 | $3,169,946,000 | $119,895 | $750,000 | $43,562 | $882,000 |
| Application Denied By Financial Institution | 20,810 | $3,238,687,000 | $138,312 | $850,000 | $61,145 | $1,008,000 |
| Application Approved But Not Accepted | 17,281 | $2,486,115,000 | $136,531 | $750,000 | $59,680 | $1,093,000 |
| Preapproval Approved but not Accepted | 11,308 | $1,430,757,000 | $126,000 | $960,000 | $63,000 | $1,300,000 |
| Application Withdrawn By Applicant | 6,413 | $1,001,517,000 | $135,437 | $800,000 | $61,083 | $996,000 |
| Preapproval Denied by Financial Institution | 3,838 | $652,221,000 | $169,000 | $780,000 | $71,000 | $1,176,000 |
| File Closed For Incompleteness | 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 | 19,516 | $2,971,653,000 | $135,291 | $850,000 | $62,125 | $1,176,000 |
| Credit Application Incomplete | 2,298 | $500,005,000 | $159,042 | $780,000 | $71,063 | $906,000 |
| Credit History | 1,211 | $181,867,000 | $143,441 | $780,000 | $56,395 | $608,000 |
| Collateral | 674 | $96,267,000 | $150,756 | $682,000 | $63,292 | $456,000 |
| Debt-To-Income Ratio | 474 | $66,259,000 | $134,000 | $660,000 | $45,513 | $241,000 |
| Employment History | 253 | $41,385,000 | $160,166 | $720,000 | $66,500 | $360,000 |
| Unverifiable Information | 217 | $32,550,000 | $134,645 | $563,000 | $62,645 | $868,000 |
| Mortgage Insurance Denied | 3 | $377,000 | $125,000 | $300,000 | $324,000 | $588,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $545,000 | $272,000 | $324,000 | $79,000 | $89,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Decision One Mortgage'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 Decision One 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 North Carolina, download the full spreadsheet
with aggregated HMDA statistics today.
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