Emmco, LLC Mortgage Lending & HMDA Data, 2003
In 2003, Emmco, LLC of Lexington, SC reported 13,984 mortgage applications totaling $1.4 billion. The average application was for $101,045, and applicants reported an average income of $42,890. 5% of its applications resulted in an originated loan and 75% were denied. Its largest markets were Atlanta, GA (484), Baltimore, MD (390) and Philadelphia, PA-NJ (350) (applications in parentheses).
| Mortgage Company & Address | Emmco, LLC 113 Reed Avenue Lexington, SC 29072 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2003 |
| Total Number of Mortgage Applications | 13,984 |
| Total Mortgage Loan Application Amount | $1,413,023,000 |
| Average Mortgage Loan Application Amount | $101,045 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $42,890 |
| Highest Applicant Income | $2,182,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Emmco, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Atlanta, GA | 484 | $ 59,409,000 | $ 122,745 | $ 54,000 |
| Baltimore, MD | 390 | $ 43,927,000 | $ 112,633 | $ 44,000 |
| Philadelphia, PA-NJ | 350 | $ 35,112,000 | $ 100,320 | $ 47,000 |
| Columbia, SC | 301 | $ 27,657,000 | $ 91,883 | $ 43,000 |
| Birmingham, AL | 291 | $ 26,656,000 | $ 91,601 | $ 46,000 |
| Tampa-St. Petersburg-Clearwater, FL | 287 | $ 26,601,000 | $ 92,686 | $ 39,000 |
| Memphis, TN-AR-MS | 278 | $ 25,662,000 | $ 92,309 | $ 37,000 |
| Orlando, FL | 263 | $ 27,818,000 | $ 105,771 | $ 42,000 |
| Greenville-Spartanburg-Anderson, SC | 202 | $ 16,662,000 | $ 82,485 | $ 36,000 |
| Minneapolis-St. Paul, MN-WI | 190 | $ 27,713,000 | $ 145,857 | $ 45,000 |
| Nashville, TN | 178 | $ 17,446,000 | $ 98,011 | $ 38,000 |
| Jacksonville, FL | 164 | $ 15,146,000 | $ 92,353 | $ 40,000 |
| Mobile, AL | 154 | $ 14,883,000 | $ 96,642 | $ 44,000 |
| Charleston-North Charleston, SC | 151 | $ 15,516,000 | $ 102,754 | $ 50,000 |
| Riverside-San Bernardino, CA | 148 | $ 20,268,000 | $ 136,945 | $ 46,000 |
| Pittsburgh, PA | 144 | $ 11,683,000 | $ 81,131 | $ 36,000 |
| Pensacola, FL | 139 | $ 11,393,000 | $ 81,964 | $ 44,000 |
| Huntsville, AL | 113 | $ 9,481,000 | $ 83,902 | $ 42,000 |
| Daytona Beach, FL | 108 | $ 10,348,000 | $ 95,814 | $ 41,000 |
| Knoxville, TN | 108 | $ 9,100,000 | $ 84,259 | $ 36,000 |
| Los Angeles-Long Beach, CA | 103 | $ 19,019,000 | $ 184,650 | $ 53,000 |
| West Palm Beach-Boca Raton, FL | 97 | $ 10,199,000 | $ 105,144 | $ 42,000 |
| Lakeland-Winter Haven, FL | 93 | $ 7,194,000 | $ 77,354 | $ 36,000 |
| Johnson City-Kingsport-Bristol, TN-VA | 91 | $ 7,616,000 | $ 83,692 | $ 41,000 |
| Sumter, SC | 91 | $ 5,703,000 | $ 62,670 | $ 31,000 |
| Montgomery, AL | 89 | $ 6,460,000 | $ 72,584 | $ 35,000 |
| Detroit, MI | 85 | $ 7,307,000 | $ 85,964 | $ 43,000 |
| Melbourne-Titusville-Palm Bay, FL | 85 | $ 8,145,000 | $ 95,823 | $ 38,000 |
| Florence, SC | 82 | $ 6,232,000 | $ 76,000 | $ 33,000 |
| Omaha, NE-IA | 81 | $ 8,150,000 | $ 100,617 | $ 43,000 |
| Allentown-Bethlehem-Easton, PA | 75 | $ 7,609,000 | $ 101,453 | $ 42,000 |
| Harrisburg-Lebanon-Carlisle, PA | 75 | $ 7,014,000 | $ 93,520 | $ 33,000 |
| Fort Lauderdale, FL | 69 | $ 7,933,000 | $ 114,971 | $ 47,000 |
| Ocala, FL | 69 | $ 5,450,000 | $ 78,985 | $ 37,000 |
| Sarasota-Bradenton, FL | 68 | $ 7,609,000 | $ 111,897 | $ 62,000 |
| Fort Pierce-Port St. Lucie, FL | 64 | $ 6,041,000 | $ 94,390 | $ 37,000 |
| Portland, ME | 63 | $ 8,383,000 | $ 133,063 | $ 45,000 |
| Myrtle Beach, SC | 61 | $ 6,082,000 | $ 99,704 | $ 51,000 |
| Miami, FL | 58 | $ 6,411,000 | $ 110,534 | $ 41,000 |
| Denver, CO | 57 | $ 9,615,000 | $ 168,684 | $ 44,000 |
| Fort Myers-Cape Coral, FL | 57 | $ 6,372,000 | $ 111,789 | $ 37,000 |
| Chattanooga, TN-GA | 53 | $ 5,256,000 | $ 99,169 | $ 43,000 |
| York, PA | 52 | $ 6,229,000 | $ 119,788 | $ 59,000 |
| Decatur, AL | 51 | $ 4,051,000 | $ 79,431 | $ 39,000 |
| Sacramento, CA | 50 | $ 8,788,000 | $ 175,760 | $ 58,000 |
| Oklahoma City, OK | 49 | $ 4,071,000 | $ 83,081 | $ 41,000 |
| Fresno, CA | 48 | $ 5,988,000 | $ 124,750 | $ 49,000 |
| Anniston, AL | 47 | $ 3,576,000 | $ 76,085 | $ 51,000 |
| Hartford, CT | 47 | $ 5,331,000 | $ 113,425 | $ 36,000 |
| Newark, NJ | 47 | $ 8,435,000 | $ 179,468 | $ 60,000 |
| Wichita, KS | 45 | $ 3,094,000 | $ 68,755 | $ 45,000 |
| Cumberland, MD-WV | 44 | $ 2,982,000 | $ 67,772 | $ 35,000 |
| Macon, GA | 44 | $ 3,710,000 | $ 84,318 | $ 40,000 |
| Fort Walton Beach, FL | 43 | $ 3,799,000 | $ 88,348 | $ 36,000 |
| Tuscaloosa, AL | 43 | $ 3,425,000 | $ 79,651 | $ 36,000 |
| Florence, AL | 42 | $ 3,167,000 | $ 75,404 | $ 35,000 |
| Gadsden, AL | 42 | $ 3,099,000 | $ 73,785 | $ 51,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 42 | $ 3,644,000 | $ 86,761 | $ 50,000 |
| Hagerstown, MD | 39 | $ 4,110,000 | $ 105,384 | $ 42,000 |
| Oakland, CA | 39 | $ 9,716,000 | $ 249,128 | $ 58,000 |
| Bakersfield, CA | 38 | $ 3,380,000 | $ 88,947 | $ 42,000 |
| Augusta-Aiken, GA-SC | 36 | $ 3,027,000 | $ 84,083 | $ 47,000 |
| Bergen-Passaic, NJ | 36 | $ 7,196,000 | $ 199,888 | $ 62,000 |
| Indianapolis, IN | 35 | $ 3,933,000 | $ 112,371 | $ 32,000 |
| Savannah, GA | 35 | $ 3,460,000 | $ 98,857 | $ 43,000 |
| Tallahassee, FL | 35 | $ 2,796,000 | $ 79,885 | $ 38,000 |
| Tulsa, OK | 35 | $ 2,968,000 | $ 84,800 | $ 36,000 |
| Reading, PA | 33 | $ 3,494,000 | $ 105,878 | $ 45,000 |
| Albuquerque, NM | 32 | $ 3,464,000 | $ 108,250 | $ 48,000 |
| Lancaster, PA | 31 | $ 3,325,000 | $ 107,258 | $ 44,000 |
| Lewiston-Auburn, ME | 31 | $ 3,164,000 | $ 102,064 | $ 40,000 |
| Monmouth-Ocean, NJ | 31 | $ 4,462,000 | $ 143,935 | $ 54,000 |
| San Diego, CA | 31 | $ 6,838,000 | $ 220,580 | $ 57,000 |
| St. Louis, MO-IL | 31 | $ 2,708,000 | $ 87,354 | $ 33,000 |
| Jackson, TN | 30 | $ 2,233,000 | $ 74,433 | $ 41,000 |
| Athens, GA | 27 | $ 2,782,000 | $ 103,037 | $ 30,000 |
| Gainesville, FL | 26 | $ 2,366,000 | $ 91,000 | $ 43,000 |
| Seattle-Bellevue-Everett, WA | 26 | $ 5,203,000 | $ 200,115 | $ 60,000 |
| Visalia-Tulare-Porterville, CA | 26 | $ 3,182,000 | $ 122,384 | $ 58,000 |
| Clarksville-Hopkinsville, TN-KY | 25 | $ 2,277,000 | $ 91,080 | $ 44,000 |
| Middlesex-Somerset-Hunterdon, NJ | 24 | $ 4,166,000 | $ 173,583 | $ 68,000 |
| Stockton-Lodi, CA | 24 | $ 3,848,000 | $ 160,333 | $ 49,000 |
| Milwaukee-Waukesha, WI | 23 | $ 1,980,000 | $ 86,086 | $ 43,000 |
| Atlantic-Cape May, NJ | 22 | $ 2,780,000 | $ 126,363 | $ 110,000 |
| Jackson, MS | 21 | $ 1,729,000 | $ 82,333 | $ 36,000 |
| Lincoln, NE | 21 | $ 2,180,000 | $ 103,809 | $ 27,000 |
| Columbus, GA-AL | 20 | $ 1,596,000 | $ 79,800 | $ 48,000 |
| Duluth-Superior, MN-WI | 20 | $ 1,662,000 | $ 83,100 | $ 42,000 |
| Punta Gorda, FL | 20 | $ 1,992,000 | $ 99,600 | $ 33,000 |
| Topeka, KS | 20 | $ 1,566,000 | $ 78,300 | $ 30,000 |
| Kansas City, MO-KS | 19 | $ 1,657,000 | $ 87,210 | $ 34,000 |
| Biloxi-Gulfport-Pascagoula, MS | 18 | $ 1,439,000 | $ 79,944 | $ 25,000 |
| Johnstown, PA | 18 | $ 1,297,000 | $ 72,055 | $ 34,000 |
| Modesto, CA | 18 | $ 2,764,000 | $ 153,555 | $ 50,000 |
| Panama City, FL | 18 | $ 1,633,000 | $ 90,722 | $ 53,000 |
| Redding, CA | 18 | $ 2,230,000 | $ 123,888 | $ 51,000 |
| Little Rock-North Little Rock, AR | 17 | $ 1,275,000 | $ 75,000 | $ 40,000 |
| Merced, CA | 17 | $ 2,233,000 | $ 131,352 | $ 58,000 |
| Naples, FL | 17 | $ 2,973,000 | $ 174,882 | $ 44,000 |
| Sharon, PA | 17 | $ 1,589,000 | $ 93,470 | $ 45,000 |
| Dothan, AL | 16 | $ 1,070,000 | $ 66,875 | $ 51,000 |
| Erie, PA | 16 | $ 1,553,000 | $ 97,062 | $ 51,000 |
| New Haven-Meriden, CT | 16 | $ 2,714,000 | $ 169,625 | $ 29,000 |
| Bridgeport, CT | 15 | $ 2,218,000 | $ 147,866 | $ 31,000 |
| Louisville, KY-IN | 15 | $ 1,802,000 | $ 120,133 | $ 13,000 |
| Orange County, CA | 15 | $ 2,931,000 | $ 195,400 | $ 47,000 |
| San Jose, CA | 15 | $ 4,513,000 | $ 300,866 | $ 60,000 |
| St. Cloud, MN | 15 | $ 1,655,000 | $ 110,333 | $ 43,000 |
| Bangor, ME | 14 | $ 1,356,000 | $ 96,857 | $ 30,000 |
| Colorado Springs, CO | 14 | $ 1,920,000 | $ 137,142 | $ 27,000 |
| Ventura, CA | 14 | $ 3,440,000 | $ 245,714 | $ 72,000 |
| Charleston, WV | 13 | $ 1,159,000 | $ 89,153 | $ 30,000 |
| Flint, MI | 13 | $ 954,000 | $ 73,384 | $ 30,000 |
| Las Cruces, NM | 13 | $ 1,113,000 | $ 85,615 | $ 38,000 |
| Saginaw-Bay City-Midland, MI | 13 | $ 1,017,000 | $ 78,230 | $ 40,000 |
| Fort Wayne, IN | 12 | $ 877,000 | $ 73,083 | $ 25,000 |
| Jersey City, NJ | 12 | $ 1,422,000 | $ 118,500 | $ 37,000 |
| Grand Rapids-Muskegon-Holland, MI | 11 | $ 947,000 | $ 86,090 | $ 30,000 |
| Trenton, NJ | 11 | $ 1,072,000 | $ 97,454 | $ 32,000 |
| Vallejo-Fairfield-Napa, CA | 11 | $ 2,877,000 | $ 261,545 | $ 75,000 |
| Altoona, PA | 10 | $ 664,000 | $ 66,400 | $ 34,000 |
| Kalamazoo-Battle Creek, MI | 10 | $ 1,120,000 | $ 112,000 | $ 26,000 |
| Rochester, MN | 10 | $ 929,000 | $ 92,900 | $ 33,000 |
| Salinas, CA | 10 | $ 2,525,000 | $ 252,500 | $ 72,000 |
| South Bend, IN | 10 | $ 874,000 | $ 87,400 | $ 28,000 |
| Ann Arbor, MI | 9 | $ 983,000 | $ 109,222 | $ 36,000 |
| Auburn-Opelika, AL | 9 | $ 1,022,000 | $ 113,555 | $ 25,000 |
| Gary, IN | 9 | $ 1,103,000 | $ 122,555 | $ 42,000 |
| Olympia, WA | 9 | $ 1,682,000 | $ 186,888 | $ 76,000 |
| Salt Lake City-Ogden, UT | 9 | $ 1,248,000 | $ 138,666 | $ 45,000 |
| San Francisco, CA | 9 | $ 2,458,000 | $ 273,111 | $ 80,000 |
| Stamford-Norwalk, CT | 9 | $ 2,422,000 | $ 269,111 | $ 84,000 |
| Hattiesburg, MS | 8 | $ 534,000 | $ 66,750 | $ 25,000 |
| Lexington, KY | 8 | $ 760,000 | $ 95,000 | $ 21,000 |
| Rapid City, SD | 8 | $ 678,000 | $ 84,750 | $ 17,000 |
| Santa Barbara-Santa Maria-Lompoc, CA | 8 | $ 2,946,000 | $ 368,250 | $ 164,000 |
| Spokane, WA | 8 | $ 588,000 | $ 73,500 | $ 37,000 |
| State College, PA | 8 | $ 1,045,000 | $ 130,625 | $ 28,000 |
| Vineland-Millville-Bridgeton, NJ | 8 | $ 602,000 | $ 75,250 | $ 21,000 |
| Albany, GA | 7 | $ 461,000 | $ 65,857 | $ 40,000 |
| Benton Harbor, MI | 7 | $ 438,000 | $ 62,571 | $ 30,000 |
| Boise City, ID | 7 | $ 775,000 | $ 110,714 | $ 47,000 |
| Boulder-Longmont, CO | 7 | $ 1,197,000 | $ 171,000 | $ 39,000 |
| Lansing-East Lansing, MI | 7 | $ 859,000 | $ 122,714 | $ 55,000 |
| Lawton, OK | 7 | $ 570,000 | $ 81,428 | $ 31,000 |
| Parkersburg-Marietta, WV-OH | 7 | $ 448,000 | $ 64,000 | $ 27,000 |
| Santa Rosa, CA | 7 | $ 1,197,000 | $ 171,000 | $ 85,000 |
| Waterbury, CT | 7 | $ 665,000 | $ 95,000 | $ 50,000 |
| Williamsport, PA | 7 | $ 462,000 | $ 66,000 | $ 35,000 |
| Yuba City, CA | 7 | $ 767,000 | $ 109,571 | $ 55,000 |
| Chico-Paradise, CA | 6 | $ 687,000 | $ 114,500 | $ 33,000 |
| Enid, OK | 6 | $ 358,000 | $ 59,666 | $ 24,000 |
| Fargo-Moorhead, ND-MN | 6 | $ 490,000 | $ 81,666 | $ 41,000 |
| Joplin, MO | 6 | $ 280,000 | $ 46,666 | $ 29,000 |
| Madison, WI | 6 | $ 1,017,000 | $ 169,500 | $ 298,000 |
| San Luis Obispo-Atascadero-Paso Robles, CA | 6 | $ 1,582,000 | $ 263,666 | $ 60,000 |
| Santa Cruz-Watsonville, CA | 6 | $ 2,319,000 | $ 386,500 | $ 76,000 |
| Tacoma, WA | 6 | $ 744,000 | $ 124,000 | $ 58,000 |
| Wilmington-Newark, DE-MD | 6 | $ 920,000 | $ 153,333 | $ 69,000 |
| Appleton-Oshkosh-Neenah, WI | 5 | $ 475,000 | $ 95,000 | $ 41,000 |
| Billings, MT | 5 | $ 484,000 | $ 96,800 | $ 31,000 |
| Bismarck, ND | 5 | $ 343,000 | $ 68,600 | $ 41,000 |
| Lawrence, KS | 5 | $ 579,000 | $ 115,800 | $ 34,000 |
| New London-Norwich, CT-RI | 5 | $ 595,000 | $ 119,000 | $ 46,000 |
| Richland-Kennewick-Pasco, WA | 5 | $ 434,000 | $ 86,800 | $ 47,000 |
| Springfield, MO | 5 | $ 497,000 | $ 99,400 | $ 42,000 |
| Yakima, WA | 5 | $ 548,000 | $ 109,600 | $ 26,000 |
| Cleveland-Lorain-Elyria, OH | 4 | $ 203,000 | $ 50,750 | $ 182,000 |
| Columbia, MO | 4 | $ 481,000 | $ 120,250 | $ 48,000 |
| Eau Claire, WI | 4 | $ 302,000 | $ 75,500 | $ 36,000 |
| Elkhart-Goshen, IN | 4 | $ 377,000 | $ 94,250 | $ 26,000 |
| Fayetteville-Springdale-Rogers, AR | 4 | $ 556,000 | $ 139,000 | $ 51,000 |
| Grand Junction, CO | 4 | $ 350,000 | $ 87,500 | $ 62,000 |
| Greeley, CO | 4 | $ 357,000 | $ 89,250 | $ 33,000 |
| Huntington-Ashland, WV-KY-OH | 4 | $ 250,000 | $ 62,500 | $ 22,000 |
| Jonesboro, AR | 4 | $ 256,000 | $ 64,000 | $ 16,000 |
| Kenosha, WI | 4 | $ 421,000 | $ 105,250 | $ 40,000 |
| Kokomo, IN | 4 | $ 438,000 | $ 109,500 | $ 58,000 |
| Racine, WI | 4 | $ 339,000 | $ 84,750 | $ 14,000 |
| Santa Fe, NM | 4 | $ 1,182,000 | $ 295,500 | $ 74,000 |
| St. Joseph, MO | 4 | $ 288,000 | $ 72,000 | $ 48,000 |
| Bellingham, WA | 3 | $ 261,000 | $ 87,000 | $ 55,000 |
| Bloomington, IN | 3 | $ 383,000 | $ 127,666 | $ 0 |
| Danbury, CT | 3 | $ 655,000 | $ 218,333 | $ 80,000 |
| Des Moines, IA | 3 | $ 329,000 | $ 109,666 | $ 11,000 |
| Evansville-Henderson, IN-KY | 3 | $ 316,000 | $ 105,333 | $ 42,000 |
| Fort Smith, AR-OK | 3 | $ 199,000 | $ 66,333 | $ 34,000 |
| Great Falls, MT | 3 | $ 428,000 | $ 142,666 | $ 74,000 |
| Missoula, MT | 3 | $ 351,000 | $ 117,000 | $ 34,000 |
| Sioux Falls, SD | 3 | $ 180,000 | $ 60,000 | $ 14,000 |
| Cedar Rapids, IA | 2 | $ 192,000 | $ 96,000 | $ 20,000 |
| Fort Collins-Loveland, CO | 2 | $ 185,000 | $ 92,500 | $ 0 |
| Jackson, MI | 2 | $ 178,000 | $ 89,000 | $ 51,000 |
| La Crosse, WI-MN | 2 | $ 177,000 | $ 88,500 | $ 16,000 |
| Lafayette, IN | 2 | $ 74,000 | $ 37,000 | $ 21,000 |
| Muncie, IN | 2 | $ 152,000 | $ 76,000 | $ 0 |
| Phoenix-Mesa, AZ | 2 | $ 292,000 | $ 146,000 | $ 0 |
| Pine Bluff, AR | 2 | $ 34,000 | $ 17,000 | $ 26,000 |
| Portland-Vancouver, OR-WA | 2 | $ 130,000 | $ 65,000 | $ 37,000 |
| Pueblo, CO | 2 | $ 215,000 | $ 107,500 | $ 50,000 |
| Sioux City, IA-NE | 2 | $ 117,000 | $ 58,500 | $ 45,000 |
| Wheeling, WV-OH | 2 | $ 185,000 | $ 92,500 | $ 51,000 |
| Yolo, CA | 2 | $ 493,000 | $ 246,500 | $ 60,000 |
| Akron, OH | 1 | $ 40,000 | $ 40,000 | $ 14,000 |
| Casper, WY | 1 | $ 108,000 | $ 108,000 | $ 38,000 |
| Columbus, OH | 1 | $ 209,000 | $ 209,000 | $ 75,000 |
| Dayton-Springfield, OH | 1 | $ 56,000 | $ 56,000 | $ 21,000 |
| Dover, DE | 1 | $ 55,000 | $ 55,000 | $ 36,000 |
| Grand Forks, ND-MN | 1 | $ 62,000 | $ 62,000 | $ 31,000 |
| Iowa City, IA | 1 | $ 125,000 | $ 125,000 | $ 74,000 |
| Lawrence, MA-NH | 1 | $ 270,000 | $ 270,000 | $ 72,000 |
| New Orleans, LA | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Norfolk-Virginia Beach-Newport News, VA-NC | 1 | $ 120,000 | $ 120,000 | $ 60,000 |
| Richmond-Petersburg, VA | 1 | $ 75,000 | $ 75,000 | $ 71,000 |
| Roanoke, VA | 1 | $ 95,000 | $ 95,000 | $ 48,000 |
| Sheboygan, WI | 1 | $ 108,000 | $ 108,000 | $ 32,000 |
| Terre Haute, IN | 1 | $ 101,000 | $ 101,000 | $ 0 |
| Youngstown-Warren, OH | 1 | $ 128,000 | $ 128,000 | $ 42,000 |
Mortgage Loan Application Detail Totals for Emmco, LLC in 2003
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 (home purchase or home improvement, one-to-four family) | 13,975 | $1,412,235,000 | $113,295 | $2,000,000 | $44,522 | $2,182,000 |
| Home Purchase (one-to-four family) | 9 | $788,000 | $87,800 | $130,000 | $74,600 | $180,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement (one-to-four family) | 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 | 5,809 | $585,861,000 | $103,710 | $900,000 | $50,789 | $2,182,000 |
| Information not provided by applicant in mail or telephone application | 4,759 | $505,061,000 | $121,790 | $1,430,000 | $39,186 | $1,224,000 |
| Black | 2,419 | $202,168,000 | $94,444 | $2,000,000 | $60,037 | $996,000 |
| Hispanic | 475 | $54,556,000 | $106,666 | $588,000 | $46,875 | $1,140,000 |
| Asian or Pacific Islander | 195 | $28,842,000 | $138,150 | $765,000 | $54,650 | $360,000 |
| Other | 186 | $22,341,000 | $108,950 | $1,170,000 | $47,450 | $480,000 |
| American Indian or Alaskan Native | 139 | $13,828,000 | $92,454 | $640,000 | $39,727 | $350,000 |
| Not applicable | 2 | $366,000 | $183,000 | $290,000 | $51,000 | $73,000 |
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) | 13,984 | $1,413,023,000 | $113,318 | $2,000,000 | $44,522 | $2,182,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 10,524 | $1,044,746,000 | $110,195 | $2,000,000 | $41,365 | $2,182,000 |
| Application Withdrawn By Applicant | 1,486 | $154,664,000 | $107,500 | $900,000 | $41,789 | $840,000 |
| File Closed For Incompleteness | 982 | $102,400,000 | $101,666 | $1,170,000 | $47,972 | $1,224,000 |
| Loan Originated | 763 | $84,175,000 | $110,812 | $588,000 | $52,343 | $633,000 |
| Application Approved But Not Accepted | 229 | $27,038,000 | $124,818 | $450,000 | $49,818 | $360,000 |
| 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 Application Incomplete | 8,237 | $822,464,000 | $109,974 | $2,000,000 | $41,230 | $1,140,000 |
| Credit History | 585 | $47,262,000 | $84,517 | $504,000 | $36,000 | $2,182,000 |
| Debt-To-Income Ratio | 381 | $41,498,000 | $110,357 | $640,000 | $43,500 | $480,000 |
| Other | 319 | $28,658,000 | $109,444 | $365,000 | $50,962 | $1,061,000 |
| Collateral | 115 | $10,142,000 | $95,476 | $459,000 | $45,047 | $768,000 |
| Unverifiable Information | 23 | $2,284,000 | $107,538 | $200,000 | $30,000 | $89,000 |
| Employment History | 10 | $803,000 | $83,142 | $167,000 | $21,142 | $70,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $102,000 | $102,000 | $102,000 | $43,000 | $43,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Emmco, LLC's 2003 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 Emmco, 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.
For a list of all lenders in South Carolina, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
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