Finance America, LLC Mortgage Lending & HMDA Data, 2004

In 2004, Finance America, LLC of Irvine, CA reported 119,816 mortgage applications totaling $20.7 billion, up 78% from 2003. The average application was for $173,090, and applicants reported an average income of $78,858. 37% of its applications resulted in an originated loan and 61% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (7,090), Phoenix-Mesa-Scottsdale, AZ (6,072) and Los Angeles-Long Beach-Glendale, CA (4,228) (applications in parentheses).

Mortgage Company & Address Finance America, LLC
16802 Aston St.
Irvine, CA 92606
Tel #: available with data download
Federal Regulator * available with data download
Years 2004  2003  
Total Number of Mortgage Applications 119,816
Total Mortgage Loan Application Amount $20,739,019,000
Average Mortgage Loan Application Amount $173,090
Highest Mortgage Loan Application Amount $5,800,000
Average Applicant Income $78,858
Highest Applicant Income $9,600,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Finance America, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Finance America, LLC by County in 2004

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Maricopa, Arizona 5,859 $ 782,919,000 $ 133,626 $ 68,000
Cook, Illinois 5,117 $ 928,727,000 $ 181,498 $ 74,000
Los Angeles, California 4,228 $ 1,187,124,000 $ 280,776 $ 111,000
Harris, Texas 2,356 $ 273,857,000 $ 116,238 $ 79,000
Wayne, Michigan 2,032 $ 189,621,000 $ 93,317 $ 59,000
Riverside, California 1,860 $ 431,850,000 $ 232,177 $ 101,000
Santa Clara, California 1,753 $ 605,704,000 $ 345,524 $ 129,000
Sacramento, California 1,670 $ 340,799,000 $ 204,071 $ 94,000
San Diego, California 1,622 $ 526,419,000 $ 324,549 $ 126,000
San Bernardino, California 1,583 $ 293,421,000 $ 185,357 $ 83,000
Broward, Florida 1,523 $ 240,607,000 $ 157,982 $ 71,000
Clark, Nevada 1,521 $ 319,781,000 $ 210,243 $ 87,000
Miami-Dade, Florida 1,467 $ 237,003,000 $ 161,556 $ 99,000
Alameda, California 1,443 $ 484,230,000 $ 335,571 $ 128,000
Dallas, Texas 1,397 $ 167,706,000 $ 120,047 $ 84,000
Philadelphia, Pennsylvania 1,254 $ 103,937,000 $ 82,884 $ 52,000
Contra Costa, California 1,220 $ 356,924,000 $ 292,560 $ 121,000
Orange, California 1,217 $ 441,533,000 $ 362,804 $ 137,000
Salt Lake, Utah 982 $ 132,310,000 $ 134,735 $ 77,000
San Joaquin, California 880 $ 198,695,000 $ 225,789 $ 92,000
Tarrant, Texas 861 $ 101,494,000 $ 117,879 $ 82,000
Prince George's, Maryland 829 $ 161,725,000 $ 195,084 $ 84,000
Denver, Colorado 816 $ 124,986,000 $ 153,169 $ 90,000
San Mateo, California 810 $ 327,501,000 $ 404,322 $ 156,000
Cuyahoga, Ohio 782 $ 85,922,000 $ 109,874 $ 62,000
Arapahoe, Colorado 762 $ 127,857,000 $ 167,791 $ 77,000
Palm Beach, Florida 748 $ 132,963,000 $ 177,758 $ 85,000
Stanislaus, California 744 $ 143,691,000 $ 193,133 $ 91,000
Allegheny, Pennsylvania 744 $ 69,289,000 $ 93,130 $ 55,000
Bexar, Texas 678 $ 68,841,000 $ 101,535 $ 81,000
Essex, New Jersey 643 $ 124,928,000 $ 194,289 $ 88,000
District of Columbia, District Of Columbia 635 $ 142,554,000 $ 224,494 $ 101,000
DuPage, Illinois 620 $ 127,258,000 $ 205,254 $ 79,000
Shelby, Tennessee 608 $ 64,702,000 $ 106,417 $ 47,000
Honolulu, Hawaii 605 $ 162,165,000 $ 268,041 $ 110,000
Fulton, Georgia 597 $ 101,551,000 $ 170,102 $ 102,000
DeKalb, Georgia 586 $ 78,965,000 $ 134,752 $ 76,000
Jackson, Missouri 586 $ 47,546,000 $ 81,136 $ 54,000
Will, Illinois 567 $ 98,033,000 $ 172,897 $ 81,000
Adams, Colorado 555 $ 84,509,000 $ 152,268 $ 72,000
Oakland, Michigan 546 $ 122,648,000 $ 224,630 $ 97,000
Pima, Arizona 541 $ 71,571,000 $ 132,293 $ 67,000
Lake, Illinois 515 $ 111,989,000 $ 217,454 $ 109,000
Solano, California 513 $ 135,520,000 $ 264,171 $ 137,000
King, Washington 505 $ 111,639,000 $ 221,067 $ 89,000
Multnomah, Oregon 499 $ 71,632,000 $ 143,551 $ 68,000
Middlesex, New Jersey 467 $ 94,876,000 $ 203,160 $ 72,000
Ocean, New Jersey 461 $ 91,811,000 $ 199,156 $ 81,000
Marion, Indiana 460 $ 45,155,000 $ 98,163 $ 48,000
Fairfield, Connecticut 457 $ 122,909,000 $ 268,947 $ 93,000
Camden, New Jersey 450 $ 59,412,000 $ 132,026 $ 80,000
Fort Bend, Texas 447 $ 61,779,000 $ 138,208 $ 80,000
Jefferson, Colorado 444 $ 82,836,000 $ 186,567 $ 89,000
New Haven, Connecticut 442 $ 67,167,000 $ 151,961 $ 72,000
Orange, Florida 436 $ 64,556,000 $ 148,064 $ 74,000
Travis, Texas 432 $ 71,703,000 $ 165,979 $ 110,000
Macomb, Michigan 415 $ 62,139,000 $ 149,732 $ 73,000
Monmouth, New Jersey 409 $ 99,461,000 $ 243,180 $ 95,000
Franklin, Ohio 408 $ 47,808,000 $ 117,176 $ 72,000
Union, New Jersey 407 $ 86,569,000 $ 212,700 $ 84,000
Hartford, Connecticut 381 $ 54,624,000 $ 143,370 $ 60,000
Bergen, New Jersey 379 $ 109,049,000 $ 287,728 $ 111,000
Pierce, Washington 377 $ 56,381,000 $ 149,551 $ 79,000
St. Louis, Missouri 371 $ 35,823,000 $ 96,557 $ 60,000
Gwinnett, Georgia 369 $ 62,329,000 $ 168,913 $ 71,000
Burlington, New Jersey 363 $ 61,044,000 $ 168,165 $ 70,000
Kane, Illinois 361 $ 59,978,000 $ 166,144 $ 72,000
El Paso, Colorado 351 $ 49,521,000 $ 141,085 $ 73,000
Atlantic, New Jersey 349 $ 53,421,000 $ 153,068 $ 67,000
Suffolk, Massachusetts 347 $ 110,338,000 $ 317,976 $ 112,000
Monterey, California 343 $ 108,258,000 $ 315,620 $ 156,000
Middlesex, Massachusetts 342 $ 95,241,000 $ 278,482 $ 87,000
San Francisco, California 339 $ 138,168,000 $ 407,575 $ 153,000
Merced, California 319 $ 57,014,000 $ 178,727 $ 86,000
Utah, Utah 316 $ 49,851,000 $ 157,756 $ 77,000
Montgomery, Pennsylvania 314 $ 58,561,000 $ 186,500 $ 91,000
Collin, Texas 311 $ 50,596,000 $ 162,688 $ 103,000
Duval, Florida 305 $ 34,256,000 $ 112,314 $ 54,000
Passaic, New Jersey 305 $ 67,679,000 $ 221,898 $ 82,000
Hillsborough, Florida 302 $ 40,108,000 $ 132,807 $ 67,000
Fresno, California 300 $ 46,497,000 $ 154,990 $ 70,000
Winnebago, Illinois 300 $ 27,835,000 $ 92,783 $ 52,000
Hennepin, Minnesota 299 $ 61,510,000 $ 205,719 $ 82,000
Genesee, Michigan 295 $ 26,666,000 $ 90,393 $ 52,000
St. Louis City, Missouri 295 $ 23,770,000 $ 80,576 $ 53,000
Snohomish, Washington 288 $ 56,057,000 $ 194,642 $ 91,000
Worcester, Massachusetts 287 $ 52,726,000 $ 183,714 $ 83,000
Weld, Colorado 281 $ 41,522,000 $ 147,765 $ 77,000
Hudson, New Jersey 280 $ 63,924,000 $ 228,300 $ 96,000
Kern, California 276 $ 38,664,000 $ 140,086 $ 68,000
Cobb, Georgia 274 $ 41,487,000 $ 151,412 $ 64,000
Baltimore City, Maryland 270 $ 22,654,000 $ 83,903 $ 66,000
Fairfax, Virginia 269 $ 75,381,000 $ 280,226 $ 100,000
Milwaukee, Wisconsin 269 $ 21,920,000 $ 81,486 $ 60,000
Gloucester, New Jersey 268 $ 40,816,000 $ 152,298 $ 81,000
Jefferson, Alabama 265 $ 20,178,000 $ 76,143 $ 55,000
Hamilton, Ohio 260 $ 28,943,000 $ 111,319 $ 64,000
St. Lucie, Florida 254 $ 32,061,000 $ 126,224 $ 63,000
Hinds, Mississippi 253 $ 15,915,000 $ 62,905 $ 64,000
Montgomery, Texas 252 $ 34,706,000 $ 137,722 $ 96,000
Douglas, Colorado 250 $ 60,764,000 $ 243,056 $ 101,000
Mercer, New Jersey 250 $ 38,998,000 $ 155,992 $ 73,000
Denton, Texas 250 $ 37,972,000 $ 151,888 $ 91,000
Montgomery, Maryland 248 $ 68,340,000 $ 275,564 $ 100,000
McHenry, Illinois 246 $ 47,523,000 $ 193,182 $ 80,000
Bucks, Pennsylvania 246 $ 46,447,000 $ 188,808 $ 97,000
Delaware, Pennsylvania 242 $ 35,781,000 $ 147,855 $ 86,000
Lee, Florida 238 $ 31,437,000 $ 132,088 $ 61,000
Prince William, Virginia 237 $ 53,837,000 $ 227,160 $ 97,000
Clayton, Georgia 235 $ 29,423,000 $ 125,204 $ 60,000
Pinellas, Florida 231 $ 36,676,000 $ 158,770 $ 75,000
Clackamas, Oregon 230 $ 40,534,000 $ 176,234 $ 279,000
Washington, Oregon 228 $ 38,781,000 $ 170,092 $ 78,000
Webb, Texas 225 $ 21,817,000 $ 96,964 $ 68,000
Sonoma, California 223 $ 74,276,000 $ 333,076 $ 122,000
Plymouth, Massachusetts 219 $ 46,420,000 $ 211,963 $ 73,000
Mecklenburg, North Carolina 214 $ 27,331,000 $ 127,714 $ 72,000
Pinal, Arizona 213 $ 22,247,000 $ 104,446 $ 55,000
Tulsa, Oklahoma 213 $ 19,347,000 $ 90,830 $ 57,000
Clark, Washington 211 $ 30,662,000 $ 145,317 $ 67,000
El Paso, Texas 210 $ 24,268,000 $ 115,561 $ 61,000
Placer, California 208 $ 61,290,000 $ 294,663 $ 112,000
Essex, Massachusetts 204 $ 49,858,000 $ 244,401 $ 90,000
York, Pennsylvania 201 $ 24,712,000 $ 122,945 $ 64,000
Oklahoma, Oklahoma 197 $ 16,127,000 $ 81,862 $ 57,000
Lehigh, Pennsylvania 197 $ 20,910,000 $ 106,142 $ 60,000
Berks, Pennsylvania 195 $ 24,935,000 $ 127,871 $ 56,000
Monroe, Pennsylvania 195 $ 33,475,000 $ 171,666 $ 72,000
Lake, Indiana 192 $ 20,466,000 $ 106,593 $ 56,000
Montgomery, Ohio 189 $ 18,357,000 $ 97,126 $ 61,000
Ventura, California 188 $ 64,026,000 $ 340,563 $ 127,000
Davidson, Tennessee 187 $ 21,542,000 $ 115,197 $ 72,000
Williamson, Texas 187 $ 25,232,000 $ 134,930 $ 77,000
Bristol, Massachusetts 185 $ 37,978,000 $ 205,286 $ 76,000
Queens, New York 185 $ 75,920,000 $ 410,378 $ 116,000
Galveston, Texas 185 $ 23,297,000 $ 125,929 $ 87,000
Tulare, California 182 $ 23,549,000 $ 129,390 $ 79,000
Weber, Utah 180 $ 20,022,000 $ 111,233 $ 64,000
Morris, New Jersey 179 $ 44,718,000 $ 249,821 $ 103,000
Volusia, Florida 176 $ 22,344,000 $ 126,954 $ 89,000
Virginia Beach, Virginia 176 $ 23,766,000 $ 135,034 $ 69,000
Dauphin, Pennsylvania 174 $ 16,306,000 $ 93,712 $ 45,000
Brazoria, Texas 169 $ 19,174,000 $ 113,455 $ 77,000
Lancaster, Pennsylvania 168 $ 21,157,000 $ 125,934 $ 56,000
Westmoreland, Pennsylvania 167 $ 18,635,000 $ 111,586 $ 42,000
Hidalgo, Texas 165 $ 18,187,000 $ 110,224 $ 65,000
Somerset, New Jersey 161 $ 37,455,000 $ 232,639 $ 100,000
Chester, Pennsylvania 160 $ 30,278,000 $ 189,237 $ 87,000
Yavapai, Arizona 158 $ 27,383,000 $ 173,310 $ 67,000
Northampton, Pennsylvania 158 $ 22,535,000 $ 142,626 $ 83,000
Boulder, Colorado 156 $ 35,979,000 $ 230,634 $ 77,000
Henry, Georgia 155 $ 26,861,000 $ 173,296 $ 71,000
St. Clair, Illinois 154 $ 13,548,000 $ 87,974 $ 42,000
Hampden, Massachusetts 154 $ 21,004,000 $ 136,389 $ 60,000
Marion, Oregon 154 $ 18,144,000 $ 117,818 $ 64,000
Luzerne, Pennsylvania 154 $ 15,885,000 $ 103,149 $ 61,000
Davis, Utah 154 $ 20,645,000 $ 134,058 $ 69,000
Kings, New York 153 $ 64,280,000 $ 420,130 $ 124,000
Knox, Tennessee 151 $ 15,578,000 $ 103,165 $ 54,000
Brevard, Florida 150 $ 17,957,000 $ 119,713 $ 57,000
Madison, Illinois 150 $ 13,399,000 $ 89,326 $ 57,000
Kent, Michigan 149 $ 15,969,000 $ 107,174 $ 56,000
Pueblo, Colorado 145 $ 13,522,000 $ 93,255 $ 46,000
Chesterfield, Virginia 145 $ 21,577,000 $ 148,806 $ 60,000
Baltimore, Maryland 143 $ 23,599,000 $ 165,027 $ 74,000
Thurston, Washington 142 $ 19,945,000 $ 140,457 $ 68,000
El Dorado, California 141 $ 39,065,000 $ 277,056 $ 146,000
Allen, Indiana 141 $ 12,367,000 $ 87,709 $ 47,000
Erie, Pennsylvania 140 $ 11,954,000 $ 85,385 $ 42,000
Summit, Ohio 138 $ 15,332,000 $ 111,101 $ 52,000
St. Joseph, Indiana 137 $ 11,105,000 $ 81,058 $ 57,000
Hamilton, Tennessee 137 $ 13,575,000 $ 99,087 $ 54,000
Mohave, Arizona 133 $ 16,674,000 $ 125,368 $ 70,000
Norfolk, Massachusetts 133 $ 38,464,000 $ 289,203 $ 107,000
Collier, Florida 131 $ 23,467,000 $ 179,137 $ 89,000
Polk, Florida 129 $ 14,644,000 $ 113,519 $ 52,000
Sarasota, Florida 128 $ 26,033,000 $ 203,382 $ 83,000
Sussex, New Jersey 128 $ 23,508,000 $ 183,656 $ 77,000
Seminole, Florida 127 $ 18,473,000 $ 145,456 $ 65,000
Pulaski, Arkansas 124 $ 10,903,000 $ 87,927 $ 105,000
Santa Cruz, California 123 $ 42,811,000 $ 348,056 $ 130,000
Marin, California 121 $ 54,038,000 $ 446,595 $ 185,000
Larimer, Colorado 121 $ 19,999,000 $ 165,280 $ 102,000
Osceola, Florida 119 $ 15,178,000 $ 127,546 $ 54,000
Sangamon, Illinois 119 $ 9,645,000 $ 81,050 $ 51,000
Lorain, Ohio 118 $ 15,415,000 $ 130,635 $ 52,000
Lackawanna, Pennsylvania 118 $ 11,828,000 $ 100,237 $ 71,000
Muscogee, Georgia 117 $ 11,451,000 $ 97,871 $ 57,000
Chesapeake, Virginia 117 $ 17,800,000 $ 152,136 $ 66,000
Spokane, Washington 116 $ 14,840,000 $ 127,931 $ 59,000
New London, Connecticut 115 $ 18,150,000 $ 157,826 $ 76,000
Pasco, Florida 115 $ 12,894,000 $ 112,121 $ 56,000
Anne Arundel, Maryland 115 $ 24,553,000 $ 213,504 $ 98,000
Washoe, Nevada 114 $ 22,680,000 $ 198,947 $ 78,000
Stark, Ohio 114 $ 11,670,000 $ 102,368 $ 45,000
Suffolk, New York 113 $ 37,575,000 $ 332,522 $ 146,000
Yolo, California 111 $ 24,218,000 $ 218,180 $ 103,000
Polk, Iowa 111 $ 9,949,000 $ 89,630 $ 47,000
Vanderburgh, Indiana 110 $ 9,139,000 $ 83,081 $ 49,000
St. Clair, Michigan 110 $ 12,825,000 $ 116,590 $ 52,000
Butler, Ohio 108 $ 15,425,000 $ 142,824 $ 79,000
Maui, Hawaii 106 $ 39,437,000 $ 372,047 $ 141,000
Bernalillo, New Mexico 106 $ 15,493,000 $ 146,160 $ 81,000
Lucas, Ohio 106 $ 10,705,000 $ 100,990 $ 65,000
Ramsey, Minnesota 105 $ 16,214,000 $ 154,419 $ 64,000
Henrico, Virginia 104 $ 13,054,000 $ 125,519 $ 53,000
Bibb, Georgia 101 $ 8,003,000 $ 79,237 $ 59,000
Peoria, Illinois 101 $ 11,073,000 $ 109,633 $ 45,000
Cameron, Texas 101 $ 9,562,000 $ 94,673 $ 69,000
Norfolk, Virginia 101 $ 12,500,000 $ 123,762 $ 58,000
Jefferson, Kentucky 100 $ 9,538,000 $ 95,380 $ 58,000
Ada, Idaho 99 $ 13,928,000 $ 140,686 $ 76,000
Wyandotte, Kansas 98 $ 7,025,000 $ 71,683 $ 50,000
Litchfield, Connecticut 97 $ 17,669,000 $ 182,154 $ 63,000
Canyon, Idaho 96 $ 9,460,000 $ 98,541 $ 58,000
Newton, Georgia 94 $ 11,641,000 $ 123,840 $ 56,000
Montgomery, Alabama 92 $ 7,686,000 $ 83,543 $ 52,000
Dakota, Minnesota 92 $ 19,247,000 $ 209,206 $ 80,000
Rutherford, Tennessee 92 $ 10,688,000 $ 116,173 $ 47,000
Loudoun, Virginia 92 $ 29,696,000 $ 322,782 $ 125,000
Spotsylvania, Virginia 91 $ 14,959,000 $ 164,384 $ 69,000
Calhoun, Michigan 89 $ 8,072,000 $ 90,696 $ 42,000
Lane, Oregon 89 $ 11,886,000 $ 133,550 $ 58,000
Madera, California 88 $ 15,448,000 $ 175,545 $ 86,000
San Benito, California 88 $ 29,675,000 $ 337,215 $ 114,000
Marion, Florida 88 $ 12,465,000 $ 141,647 $ 57,000
Nassau, New York 88 $ 32,897,000 $ 373,829 $ 122,000
Kitsap, Washington 88 $ 12,895,000 $ 146,534 $ 67,000
Ingham, Michigan 87 $ 9,290,000 $ 106,781 $ 58,000
Escambia, Florida 86 $ 7,653,000 $ 88,988 $ 48,000
Bronx, New York 85 $ 28,917,000 $ 340,200 $ 117,000
Cumberland, Pennsylvania 85 $ 11,034,000 $ 129,811 $ 53,000
Providence, Rhode Island 85 $ 15,760,000 $ 185,411 $ 84,000
Jefferson, Texas 85 $ 8,101,000 $ 95,305 $ 78,000
Butte, California 84 $ 14,151,000 $ 168,464 $ 73,000
Douglas, Georgia 84 $ 12,187,000 $ 145,083 $ 73,000
Saginaw, Michigan 84 $ 7,336,000 $ 87,333 $ 88,000
Mahoning, Ohio 84 $ 7,972,000 $ 94,904 $ 48,000
Hawaii, Hawaii 82 $ 20,111,000 $ 245,256 $ 142,000
Kankakee, Illinois 82 $ 8,921,000 $ 108,792 $ 52,000
Cumberland, New Jersey 81 $ 9,160,000 $ 113,086 $ 59,000
Washington, Pennsylvania 81 $ 11,515,000 $ 142,160 $ 85,000
Santa Barbara, California 80 $ 27,016,000 $ 337,700 $ 122,000
Anoka, Minnesota 80 $ 16,021,000 $ 200,262 $ 81,000
Cape May, New Jersey 80 $ 14,856,000 $ 185,700 $ 79,000
Paulding, Georgia 79 $ 10,664,000 $ 134,987 $ 55,000
Leon, Florida 77 $ 9,111,000 $ 118,324 $ 68,000
Manatee, Florida 77 $ 10,571,000 $ 137,285 $ 57,000
Washtenaw, Michigan 77 $ 18,749,000 $ 243,493 $ 76,000
Mesa, Colorado 76 $ 11,766,000 $ 154,815 $ 104,000
Newport News, Virginia 76 $ 7,242,000 $ 95,289 $ 59,000
Stafford, Virginia 76 $ 16,195,000 $ 213,092 $ 95,000
Napa, California 75 $ 25,673,000 $ 342,306 $ 143,000
Lake, Florida 75 $ 9,292,000 $ 123,893 $ 77,000
Nueces, Texas 75 $ 7,423,000 $ 98,973 $ 92,000
Shasta, California 73 $ 15,318,000 $ 209,835 $ 102,000
Kendall, Illinois 73 $ 12,235,000 $ 167,602 $ 79,000
Windham, Connecticut 72 $ 9,405,000 $ 130,625 $ 61,000
Butler, Pennsylvania 72 $ 9,538,000 $ 132,472 $ 66,000
Richmond, Georgia 71 $ 6,949,000 $ 97,873 $ 58,000
Tazewell, Illinois 71 $ 5,396,000 $ 76,000 $ 40,000
St. Tammany, Louisiana 71 $ 10,512,000 $ 148,056 $ 68,000
Barnstable, Massachusetts 71 $ 16,594,000 $ 233,718 $ 84,000
Trumbull, Ohio 71 $ 7,531,000 $ 106,070 $ 50,000
Richmond City, Virginia 70 $ 7,402,000 $ 105,742 $ 46,000
Hays, Texas 69 $ 8,910,000 $ 129,130 $ 87,000
Cowlitz, Washington 69 $ 6,908,000 $ 100,115 $ 88,000
Cherokee, Georgia 68 $ 15,456,000 $ 227,294 $ 97,000
Johnson, Kansas 68 $ 14,735,000 $ 216,691 $ 96,000
Muskegon, Michigan 68 $ 6,499,000 $ 95,573 $ 56,000
Washington, Utah 68 $ 9,841,000 $ 144,720 $ 64,000
Warren, New Jersey 67 $ 12,255,000 $ 182,910 $ 96,000
Lycoming, Pennsylvania 66 $ 7,082,000 $ 107,303 $ 48,000
Mobile, Alabama 65 $ 4,687,000 $ 72,107 $ 45,000
Champaign, Illinois 65 $ 6,545,000 $ 100,692 $ 66,000
Clay, Missouri 65 $ 6,392,000 $ 98,338 $ 54,000
Rock Island, Illinois 64 $ 5,194,000 $ 81,156 $ 42,000
Westchester, New York 64 $ 28,058,000 $ 438,406 $ 136,000
Martin, Florida 62 $ 11,813,000 $ 190,532 $ 84,000
Portage, Ohio 62 $ 7,518,000 $ 121,258 $ 45,000
Kalamazoo, Michigan 61 $ 6,624,000 $ 108,590 $ 54,000
Ellis, Texas 61 $ 6,853,000 $ 112,344 $ 74,000
San Luis Obispo, California 60 $ 21,012,000 $ 350,200 $ 119,000
Flagler, Florida 60 $ 8,009,000 $ 133,483 $ 55,000
Buchanan, Missouri 60 $ 4,683,000 $ 78,050 $ 64,000
Wake, North Carolina 60 $ 8,306,000 $ 138,433 $ 105,000
Beaver, Pennsylvania 60 $ 5,578,000 $ 92,966 $ 45,000
Johnson, Texas 60 $ 5,919,000 $ 98,650 $ 67,000
Parker, Texas 60 $ 8,228,000 $ 137,133 $ 86,000
Suffolk, Virginia 60 $ 8,699,000 $ 144,983 $ 63,000
Imperial, California 59 $ 7,375,000 $ 125,000 $ 63,000
Chatham, Georgia 59 $ 9,012,000 $ 152,745 $ 65,000
DeKalb, Illinois 59 $ 8,428,000 $ 142,847 $ 65,000
Alachua, Florida 58 $ 7,933,000 $ 136,775 $ 93,000
LaSalle, Illinois 58 $ 6,112,000 $ 105,379 $ 62,000
Howard, Maryland 58 $ 16,478,000 $ 284,103 $ 95,000
Hunterdon, New Jersey 58 $ 16,055,000 $ 276,810 $ 116,000
Hernando, Florida 57 $ 6,463,000 $ 113,385 $ 47,000
Richland, South Carolina 57 $ 4,822,000 $ 84,596 $ 62,000
Hampton, Virginia 57 $ 6,123,000 $ 107,421 $ 70,000
Yuma, Arizona 56 $ 6,019,000 $ 107,482 $ 73,000
Ottawa, Michigan 56 $ 8,498,000 $ 151,750 $ 76,000
Jackson, Oregon 56 $ 9,981,000 $ 178,232 $ 74,000
McLennan, Texas 55 $ 5,091,000 $ 92,563 $ 54,000
McLean, Illinois 54 $ 6,664,000 $ 123,407 $ 67,000
Elkhart, Indiana 54 $ 5,234,000 $ 96,925 $ 76,000
Tooele, Utah 54 $ 5,117,000 $ 94,759 $ 54,000
Cochise, Arizona 53 $ 5,523,000 $ 104,207 $ 55,000
Coconino, Arizona 53 $ 11,194,000 $ 211,207 $ 88,000
Middlesex, Connecticut 53 $ 9,698,000 $ 182,981 $ 67,000
Walton, Georgia 53 $ 8,079,000 $ 152,433 $ 77,000
Greenville, South Carolina 53 $ 5,556,000 $ 104,830 $ 69,000
Orleans, Louisiana 52 $ 6,523,000 $ 125,442 $ 69,000
Allen, Ohio 52 $ 5,229,000 $ 100,557 $ 51,000
Clermont, Ohio 52 $ 7,272,000 $ 139,846 $ 65,000
Lake, Ohio 52 $ 7,072,000 $ 136,000 $ 65,000
Santa Cruz, Arizona 51 $ 8,158,000 $ 159,960 $ 63,000
Kings, California 51 $ 6,547,000 $ 128,372 $ 81,000
Coweta, Georgia 51 $ 6,458,000 $ 126,627 $ 63,000
Flathead, Montana 51 $ 6,956,000 $ 136,392 $ 117,000
Fayette, Pennsylvania 51 $ 5,511,000 $ 108,058 $ 36,000
Franklin, Pennsylvania 51 $ 6,863,000 $ 134,568 $ 87,000
Northumberland, Pennsylvania 51 $ 3,878,000 $ 76,039 $ 39,000
Indian River, Florida 50 $ 5,750,000 $ 115,000 $ 103,000
Okaloosa, Florida 50 $ 7,818,000 $ 156,360 $ 111,000
Madison, Indiana 50 $ 4,473,000 $ 89,460 $ 52,000
Berrien, Michigan 50 $ 4,778,000 $ 95,560 $ 56,000
Portsmouth, Virginia 50 $ 5,593,000 $ 111,860 $ 61,000
Yakima, Washington 50 $ 5,437,000 $ 108,740 $ 51,000
Charlotte, Florida 49 $ 7,460,000 $ 152,244 $ 112,000
DeSoto, Mississippi 49 $ 4,822,000 $ 98,408 $ 46,000
Warren, Ohio 49 $ 7,954,000 $ 162,326 $ 91,000
Cleveland, Oklahoma 49 $ 4,452,000 $ 90,857 $ 54,000
Skagit, Washington 49 $ 7,186,000 $ 146,653 $ 50,000
Fayette, Georgia 48 $ 9,969,000 $ 207,687 $ 86,000
Boone, Illinois 48 $ 7,390,000 $ 153,958 $ 64,000
LaPorte, Indiana 48 $ 4,665,000 $ 97,187 $ 84,000
Porter, Indiana 48 $ 7,445,000 $ 155,104 $ 75,000
Sumner, Tennessee 48 $ 5,960,000 $ 124,166 $ 65,000
New Castle, Delaware 47 $ 6,734,000 $ 143,276 $ 69,000
Floyd, Georgia 47 $ 4,920,000 $ 104,680 $ 47,000
Grundy, Illinois 47 $ 5,806,000 $ 123,531 $ 60,000
Bell, Texas 47 $ 4,430,000 $ 94,255 $ 79,000
Whatcom, Washington 47 $ 8,621,000 $ 183,425 $ 106,000
Carroll, Georgia 46 $ 5,568,000 $ 121,043 $ 51,000
Dougherty, Georgia 46 $ 3,954,000 $ 85,956 $ 49,000
Rockdale, Georgia 46 $ 7,978,000 $ 173,434 $ 110,000
Monroe, Michigan 46 $ 6,664,000 $ 144,869 $ 63,000
St. Charles, Missouri 46 $ 8,949,000 $ 194,543 $ 84,000
Salem, New Jersey 46 $ 6,500,000 $ 141,304 $ 61,000
Columbia, Oregon 46 $ 5,650,000 $ 122,826 $ 58,000
Delaware, Indiana 45 $ 3,023,000 $ 67,177 $ 33,000
Jefferson, Louisiana 45 $ 5,609,000 $ 124,644 $ 77,000
Charles, Maryland 45 $ 9,372,000 $ 208,266 $ 66,000
Livingston, Michigan 45 $ 9,177,000 $ 203,933 $ 85,000
Tipton, Tennessee 45 $ 4,814,000 $ 106,977 $ 50,000
Sedgwick, Kansas 44 $ 3,768,000 $ 85,636 $ 53,000
Clark, Ohio 44 $ 3,998,000 $ 90,863 $ 47,000
Fairfield, Ohio 44 $ 5,782,000 $ 131,409 $ 60,000
Sullivan, Tennessee 44 $ 4,930,000 $ 112,045 $ 53,000
Guadalupe, Texas 44 $ 4,566,000 $ 103,772 $ 70,000
Yuba, California 43 $ 7,225,000 $ 168,023 $ 65,000
Hamilton, Indiana 43 $ 9,705,000 $ 225,697 $ 135,000
Hendricks, Indiana 43 $ 4,915,000 $ 114,302 $ 61,000
Lapeer, Michigan 43 $ 6,547,000 $ 152,255 $ 108,000
Yellowstone, Montana 43 $ 4,681,000 $ 108,860 $ 46,000
Linn, Oregon 43 $ 4,766,000 $ 110,837 $ 75,000
Madison, Tennessee 43 $ 3,844,000 $ 89,395 $ 51,000
Comal, Texas 43 $ 5,589,000 $ 129,976 $ 158,000
Nevada, California 42 $ 13,147,000 $ 313,023 $ 91,000
Sutter, California 42 $ 8,358,000 $ 199,000 $ 92,000
Houston, Georgia 42 $ 5,361,000 $ 127,642 $ 47,000
Washington, Minnesota 42 $ 9,297,000 $ 221,357 $ 91,000
Missoula, Montana 42 $ 7,306,000 $ 173,952 $ 112,000
Lebanon, Pennsylvania 42 $ 4,743,000 $ 112,928 $ 39,000
Bay, Florida 41 $ 6,240,000 $ 152,195 $ 86,000
Monroe, Florida 41 $ 14,541,000 $ 354,658 $ 142,000
Hall, Georgia 41 $ 6,153,000 $ 150,073 $ 90,000
Hampshire, Massachusetts 41 $ 6,443,000 $ 157,146 $ 54,000
Orange, New York 41 $ 9,305,000 $ 226,951 $ 102,000
Columbia, Pennsylvania 41 $ 4,055,000 $ 98,902 $ 60,000
Benton, Washington 41 $ 4,501,000 $ 109,780 $ 59,000
Kanawha, West Virginia 41 $ 4,336,000 $ 105,756 $ 48,000
Santa Rosa, Florida 40 $ 5,189,000 $ 129,725 $ 66,000
Kootenai, Idaho 40 $ 7,277,000 $ 181,925 $ 146,000
Copiah, Mississippi 40 $ 2,636,000 $ 65,900 $ 33,000
Wood, Ohio 40 $ 5,095,000 $ 127,375 $ 58,000
Montgomery, Tennessee 40 $ 4,254,000 $ 106,350 $ 55,000
Grant, Washington 40 $ 3,819,000 $ 95,475 $ 84,000
Barrow, Georgia 39 $ 4,532,000 $ 116,205 $ 57,000
Allegan, Michigan 39 $ 4,768,000 $ 122,256 $ 59,000
San Juan, New Mexico 39 $ 4,918,000 $ 126,102 $ 69,000
Lubbock, Texas 39 $ 3,888,000 $ 99,692 $ 82,000
Smith, Texas 39 $ 3,753,000 $ 96,230 $ 78,000
Arlington, Virginia 39 $ 9,926,000 $ 254,512 $ 88,000
Frederick, Maryland 38 $ 8,642,000 $ 227,421 $ 87,000
Harford, Maryland 38 $ 6,918,000 $ 182,052 $ 105,000
Jefferson, Missouri 38 $ 4,097,000 $ 107,815 $ 53,000
Deschutes, Oregon 38 $ 6,060,000 $ 159,473 $ 85,000
Centre, Pennsylvania 38 $ 4,797,000 $ 126,236 $ 81,000
Pike, Pennsylvania 38 $ 5,371,000 $ 141,342 $ 63,000
Navajo, Arizona 37 $ 5,668,000 $ 153,189 $ 88,000
Fremont, Colorado 37 $ 4,647,000 $ 125,594 $ 61,000
Twin Falls, Idaho 37 $ 2,955,000 $ 79,864 $ 50,000
Jackson, Michigan 37 $ 4,610,000 $ 124,594 $ 54,000
Medina, Ohio 37 $ 6,386,000 $ 172,594 $ 95,000
Blair, Pennsylvania 37 $ 3,226,000 $ 87,189 $ 61,000
Frederick, Virginia 37 $ 5,573,000 $ 150,621 $ 53,000
Lake, California 36 $ 6,786,000 $ 188,500 $ 87,000
Bartow, Georgia 36 $ 4,224,000 $ 117,333 $ 66,000
Forsyth, Georgia 36 $ 7,107,000 $ 197,416 $ 82,000
Johnson, Indiana 36 $ 5,101,000 $ 141,694 $ 70,000
Wayne, Indiana 36 $ 2,822,000 $ 78,388 $ 41,000
East Baton Rouge, Louisiana 36 $ 3,284,000 $ 91,222 $ 56,000
Washington, Mississippi 36 $ 2,071,000 $ 57,527 $ 42,000
Douglas, Nebraska 36 $ 2,545,000 $ 70,694 $ 60,000
Polk, Oregon 36 $ 5,315,000 $ 147,638 $ 62,000
Madison, Alabama 35 $ 3,864,000 $ 110,400 $ 56,000
Grant, Indiana 35 $ 2,717,000 $ 77,628 $ 45,000
Santa Fe, New Mexico 35 $ 7,320,000 $ 209,142 $ 109,000
Delaware, Ohio 35 $ 9,008,000 $ 257,371 $ 134,000
Umatilla, Oregon 35 $ 4,617,000 $ 131,914 $ 77,000
Blount, Tennessee 35 $ 4,325,000 $ 123,571 $ 58,000
Alexandria, Virginia 35 $ 7,046,000 $ 201,314 $ 72,000
Grays Harbor, Washington 35 $ 3,596,000 $ 102,742 $ 56,000
Vigo, Indiana 34 $ 2,245,000 $ 66,029 $ 38,000
Bay, Michigan 34 $ 3,175,000 $ 93,382 $ 47,000
Lauderdale, Mississippi 34 $ 1,988,000 $ 58,470 $ 28,000
Columbiana, Ohio 34 $ 3,329,000 $ 97,911 $ 37,000
Licking, Ohio 34 $ 4,526,000 $ 133,117 $ 74,000
Richland, Ohio 34 $ 2,667,000 $ 78,441 $ 59,000
Comanche, Oklahoma 34 $ 1,887,000 $ 55,500 $ 44,000
Lewis, Washington 34 $ 3,760,000 $ 110,588 $ 64,000
Garland, Arkansas 33 $ 2,667,000 $ 80,818 $ 38,000
Garfield, Colorado 33 $ 6,315,000 $ 191,363 $ 71,000
St. Johns, Florida 33 $ 5,052,000 $ 153,090 $ 74,000
Macon, Illinois 33 $ 2,385,000 $ 72,272 $ 40,000
Lenawee, Michigan 33 $ 4,197,000 $ 127,181 $ 55,000
Erie, Ohio 33 $ 3,558,000 $ 107,818 $ 62,000
Greene, Ohio 33 $ 3,643,000 $ 110,393 $ 86,000
Schuylkill, Pennsylvania 33 $ 3,454,000 $ 104,666 $ 59,000
Spartanburg, South Carolina 33 $ 2,722,000 $ 82,484 $ 45,000
Sevier, Tennessee 33 $ 3,824,000 $ 115,878 $ 57,000
Kaufman, Texas 33 $ 3,535,000 $ 107,121 $ 64,000
Rockwall, Texas 33 $ 6,963,000 $ 211,000 $ 128,000
Roanoke City, Virginia 33 $ 3,064,000 $ 92,848 $ 60,000
Kenosha, Wisconsin 33 $ 4,811,000 $ 145,787 $ 72,000
Baldwin, Alabama 32 $ 7,527,000 $ 235,218 $ 101,000
Elbert, Colorado 32 $ 8,773,000 $ 274,156 $ 94,000
Citrus, Florida 32 $ 2,994,000 $ 93,562 $ 49,000
Troup, Georgia 32 $ 4,939,000 $ 154,343 $ 73,000
Tippecanoe, Indiana 32 $ 3,288,000 $ 102,750 $ 44,000
Warrick, Indiana 32 $ 2,713,000 $ 84,781 $ 41,000
St. Joseph, Michigan 32 $ 3,201,000 $ 100,031 $ 46,000
Wright, Minnesota 32 $ 6,264,000 $ 195,750 $ 90,000
Miami, Ohio 32 $ 3,953,000 $ 123,531 $ 70,000
Adams, Pennsylvania 32 $ 4,301,000 $ 134,406 $ 57,000
Washington, Tennessee 32 $ 3,977,000 $ 124,281 $ 43,000
Tolland, Connecticut 31 $ 5,564,000 $ 179,483 $ 63,000
Walker, Georgia 31 $ 2,808,000 $ 90,580 $ 42,000
Calvert, Maryland 31 $ 6,462,000 $ 208,451 $ 110,000
Richmond, New York 31 $ 10,307,000 $ 332,483 $ 101,000
Guilford, North Carolina 31 $ 4,967,000 $ 160,225 $ 80,000
Yamhill, Oregon 31 $ 5,381,000 $ 173,580 $ 86,000
Cambria, Pennsylvania 31 $ 2,501,000 $ 80,677 $ 45,000
Bastrop, Texas 31 $ 4,409,000 $ 142,225 $ 128,000
Chelan, Washington 31 $ 4,320,000 $ 139,354 $ 71,000
Columbia, Georgia 30 $ 4,432,000 $ 147,733 $ 64,000
Howard, Indiana 30 $ 2,658,000 $ 88,600 $ 59,000
Berkshire, Massachusetts 30 $ 4,594,000 $ 153,133 $ 75,000
Van Buren, Michigan 30 $ 3,460,000 $ 115,333 $ 47,000
Randall, Texas 30 $ 4,543,000 $ 151,433 $ 107,000
Cache, Utah 30 $ 3,350,000 $ 111,666 $ 48,000
Island, Washington 30 $ 5,620,000 $ 187,333 $ 91,000
Mason, Washington 30 $ 3,545,000 $ 118,166 $ 55,000
Humboldt, California 29 $ 4,922,000 $ 169,724 $ 80,000
Eagle, Colorado 29 $ 7,163,000 $ 247,000 $ 93,000
Scott, Minnesota 29 $ 7,950,000 $ 274,137 $ 161,000
Auglaize, Ohio 29 $ 3,208,000 $ 110,620 $ 63,000
Racine, Wisconsin 29 $ 3,543,000 $ 122,172 $ 122,000
Clay, Florida 28 $ 3,595,000 $ 128,392 $ 55,000
Jasper, Missouri 28 $ 2,192,000 $ 78,285 $ 36,000
Ashtabula, Ohio 28 $ 3,171,000 $ 113,250 $ 49,000
Rogers, Oklahoma 28 $ 3,044,000 $ 108,714 $ 64,000
Josephine, Oregon 28 $ 4,471,000 $ 159,678 $ 76,000
Charleston, South Carolina 28 $ 5,574,000 $ 199,071 $ 176,000
Bradley, Tennessee 28 $ 3,072,000 $ 109,714 $ 136,000
Hanover, Virginia 28 $ 5,116,000 $ 182,714 $ 68,000
Roanoke, Virginia 28 $ 4,265,000 $ 152,321 $ 79,000
Cabell, West Virginia 28 $ 2,019,000 $ 72,107 $ 39,000
Park, Colorado 27 $ 6,106,000 $ 226,148 $ 79,000
Ogle, Illinois 27 $ 2,927,000 $ 108,407 $ 52,000
Clark, Indiana 27 $ 2,706,000 $ 100,222 $ 49,000
Morgan, Indiana 27 $ 3,690,000 $ 136,666 $ 49,000
Grand Traverse, Michigan 27 $ 3,926,000 $ 145,407 $ 80,000
Sherburne, Minnesota 27 $ 5,381,000 $ 199,296 $ 63,000
Sunflower, Mississippi 27 $ 1,279,000 $ 47,370 $ 28,000
Huron, Ohio 27 $ 2,798,000 $ 103,629 $ 53,000
Perry, Pennsylvania 27 $ 3,140,000 $ 116,296 $ 50,000
Dane, Wisconsin 27 $ 4,352,000 $ 161,185 $ 85,000
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Mortgage Loan Application Detail Totals for Finance America, 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 72,111 $12,934,290,000 $159,352 $5,800,000 $74,960 $8,015,000
Home Purchase 47,705 $7,804,729,000 $135,180 $2,821,000 $73,140 $9,600,000
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 39,260 $6,800,486,000 $154,620 $4,000,000 $77,360 $9,000,000
Not Provided 38,436 $6,500,355,000 $152,980 $5,800,000 $77,100 $9,600,000
Black or African American 18,358 $2,623,413,000 $135,622 $3,500,000 $64,666 $4,200,000
Hispanic 17,994 $3,280,741,000 $144,340 $4,000,000 $68,574 $4,656,000
Asian 4,417 $1,232,669,000 $180,000 $1,100,000 $83,317 $5,406,000
Native Hawaiian or Other Pacific Islander 854 $210,711,000 $164,187 $750,000 $71,562 $737,000
American Indian or Alaskan Native 497 $90,644,000 $161,243 $980,000 $72,864 $2,628,000
Not applicable 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) 119,816 $20,739,019,000 $147,176 $5,800,000 $74,333 $9,600,000
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 72,529 $11,892,264,000 $148,803 $5,800,000 $73,450 $9,600,000
Loan Originated 44,583 $8,271,900,000 $146,183 $1,154,000 $74,306 $5,406,000
Application Withdrawn By Applicant 1,393 $293,798,000 $153,534 $1,400,000 $74,465 $8,015,000
Application Approved But Not Accepted 1,221 $270,980,000 $144,500 $750,000 $70,636 $4,570,000
Loan Purchased By The Institution 90 $10,077,000 $116,187 $429,000 $60,500 $195,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0
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
Credit Application Incomplete 757 $109,839,000 $141,214 $820,000 $40,821 $600,000
Other 443 $69,318,000 $133,789 $980,000 $58,500 $974,000
Credit History 144 $19,361,000 $127,370 $624,000 $49,962 $240,000
Collateral 127 $19,351,000 $172,678 $745,000 $66,535 $396,000
Debt-To-Income Ratio 24 $3,598,000 $164,250 $500,000 $63,437 $240,000
Unverifiable Information 17 $3,102,000 $219,000 $509,000 $110,750 $405,000
Employment History 15 $1,297,000 $85,700 $192,000 $23,300 $53,000
Insufficient Cash (Downpayment, Closing Cost) 9 $980,000 $121,500 $280,000 $41,000 $89,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Finance America, 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 Finance America, 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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