Decision One Mortgage Mortgage Lending & HMDA Data, 2008
In 2008, Decision One Mortgage of Mettawa, IL reported 71 mortgage applications totaling $14.3 million, down 100% from 2007. The average application was for $201,774, and applicants reported an average income of $0. 0% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (4), Cape Coral-Fort Myers, FL (3) and New York-White Plains-Wayne, NY-NJ (3) (applications in parentheses).
| Mortgage Company & Address | Decision One Mortgage 26525 N. Riverwoods Blvd. Mettawa, IL 60045 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2008 2007 2006 2005 |
| Total Number of Mortgage Applications | 71 |
| Total Mortgage Loan Application Amount | $14,326,000 |
| Average Mortgage Loan Application Amount | $201,774 |
| Highest Mortgage Loan Application Amount | $732,000 |
| Average Applicant Income | $0 |
| Highest Applicant Income | $0 |
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(HMDA) records Decision One Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Chicago-Naperville-Joliet, IL | 4 | $ 1,387,000 | $ 346,750 | $ 0 |
| Cape Coral-Fort Myers, FL | 3 | $ 765,000 | $ 255,000 | $ 0 |
| New York-White Plains-Wayne, NY-NJ | 3 | $ 363,000 | $ 121,000 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 467,000 | $ 155,666 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 3 | $ 1,181,000 | $ 393,666 | $ 0 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 3 | $ 676,000 | $ 225,333 | $ 0 |
| Houston-Sugar Land-Baytown, TX | 2 | $ 228,000 | $ 114,000 | $ 0 |
| Lakeland-Winter Haven, FL | 2 | $ 399,000 | $ 199,500 | $ 0 |
| Las Vegas-Paradise, NV | 2 | $ 177,000 | $ 88,500 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 344,000 | $ 172,000 | $ 0 |
| Newark-Union, NJ-PA | 2 | $ 781,000 | $ 390,500 | $ 0 |
| Port St. Lucie, FL | 2 | $ 165,000 | $ 82,500 | $ 0 |
| Providence-New Bedford-Fall River, RI-MA | 2 | $ 392,000 | $ 196,000 | $ 0 |
| Sacramento--Arden-Arcade--Roseville, CA | 2 | $ 274,000 | $ 137,000 | $ 0 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Baltimore-Towson, MD | 1 | $ 221,000 | $ 221,000 | $ 0 |
| Binghamton, NY | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 287,000 | $ 287,000 | $ 0 |
| Cambridge-Newton-Framingham, MA | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 122,000 | $ 122,000 | $ 0 |
| Evansville, IN-KY | 1 | $ 52,000 | $ 52,000 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 318,000 | $ 318,000 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Hattiesburg, MS | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Indianapolis-Carmel, IN | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 212,000 | $ 212,000 | $ 0 |
| Merced, CA | 1 | $ 202,000 | $ 202,000 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 222,000 | $ 222,000 | $ 0 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 66,000 | $ 66,000 | $ 0 |
| Naples-Marco Island, FL | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Oakland-Fremont-Hayward, CA | 1 | $ 318,000 | $ 318,000 | $ 0 |
| Ocala, FL | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Orlando-Kissimmee, FL | 1 | $ 131,000 | $ 131,000 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 189,000 | $ 189,000 | $ 0 |
| Pittsburgh, PA | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Reno-Sparks, NV | 1 | $ 386,000 | $ 386,000 | $ 0 |
| Salinas, CA | 1 | $ 384,000 | $ 384,000 | $ 0 |
| Savannah, GA | 1 | $ 119,000 | $ 119,000 | $ 0 |
| Springfield, OH | 1 | $ 72,000 | $ 72,000 | $ 0 |
| Stockton, CA | 1 | $ 311,000 | $ 311,000 | $ 0 |
| Vallejo-Fairfield, CA | 1 | $ 81,000 | $ 81,000 | $ 0 |
| Visalia-Porterville, CA | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 444,000 | $ 444,000 | $ 0 |
| Wheeling, WV-OH | 1 | $ 104,000 | $ 104,000 | $ 0 |
Mortgage Loan Application Detail Totals for Decision One Mortgage 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 37 | $7,363,000 | $199,000 | $732,000 | $0 | $0 |
| Refinancing | 34 | $6,963,000 | $204,000 | $516,000 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 71 | $14,326,000 | $201,000 | $732,000 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| White | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 71 | $14,326,000 | $201,000 | $732,000 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 Purchased By The Institution | 71 | $14,326,000 | $201,000 | $732,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Denied By Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Originated | 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Decision One Mortgage'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 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.
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with aggregated HMDA statistics today.
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