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Act (HMDA) records Finance America, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 7,090 | $ 1,287,988,000 | $ 181,662 | $ 75,000 |
| Phoenix-Mesa-Scottsdale, AZ | 6,072 | $ 805,166,000 | $ 132,603 | $ 64,000 |
| Los Angeles-Long Beach-Glendale, CA | 4,228 | $ 1,187,124,000 | $ 280,776 | $ 111,000 |
| Houston-Baytown-Sugar Land, TX | 3,462 | $ 418,122,000 | $ 120,774 | $ 80,000 |
| Riverside-San Bernardino-Ontario, CA | 3,443 | $ 725,271,000 | $ 210,650 | $ 93,000 |
| Atlanta-Sandy Springs-Marietta, GA | 2,995 | $ 457,012,000 | $ 152,591 | $ 72,000 |
| Denver-Aurora, CO | 2,906 | $ 499,176,000 | $ 171,774 | $ 84,000 |
| Oakland-Fremont-Hayward, CA | 2,663 | $ 841,154,000 | $ 315,867 | $ 125,000 |
| Philadelphia, PA | 2,216 | $ 275,004,000 | $ 124,099 | $ 76,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 2,130 | $ 465,372,000 | $ 218,484 | $ 108,000 |
| Dallas-Plano-Irving, TX | 2,099 | $ 275,175,000 | $ 131,098 | $ 90,000 |
| Detroit-Livonia-Dearborn, MI | 2,032 | $ 189,621,000 | $ 93,317 | $ 59,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1,841 | $ 635,379,000 | $ 345,127 | $ 125,000 |
| San Diego-Carlsbad-San Marcos, CA | 1,622 | $ 526,419,000 | $ 324,549 | $ 126,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1,523 | $ 240,607,000 | $ 157,982 | $ 71,000 |
| Las Vegas-Paradise, NV | 1,521 | $ 319,781,000 | $ 210,243 | $ 87,000 |
| Edison, NJ | 1,498 | $ 323,603,000 | $ 216,023 | $ 87,000 |
| Miami-Miami Beach-Kendall, FL | 1,467 | $ 237,003,000 | $ 161,556 | $ 99,000 |
| Newark-Union, NJ-PA | 1,415 | $ 295,778,000 | $ 209,030 | $ 90,000 |
| San Francisco-San Mateo-Redwood City, CA | 1,270 | $ 519,707,000 | $ 409,218 | $ 160,000 |
| Santa Ana-Anaheim-Irvine, CA | 1,217 | $ 441,533,000 | $ 362,804 | $ 137,000 |
| Pittsburgh, PA | 1,186 | $ 121,881,000 | $ 102,766 | $ 55,000 |
| Warren-Farmington Hills-Troy, MI | 1,159 | $ 213,336,000 | $ 184,069 | $ 80,000 |
| Camden, NJ | 1,081 | $ 161,272,000 | $ 149,187 | $ 78,000 |
| Salt Lake City, UT | 1,056 | $ 143,800,000 | $ 136,174 | $ 80,000 |
| Portland-Vancouver-Beaverton, OR-WA | 1,034 | $ 161,978,000 | $ 156,651 | $ 113,000 |
| Cleveland-Elyria-Mentor, OH | 1,010 | $ 118,740,000 | $ 117,564 | $ 65,000 |
| Fort Worth-Arlington, TX | 989 | $ 116,818,000 | $ 118,117 | $ 78,000 |
| Stockton, CA | 880 | $ 198,695,000 | $ 225,789 | $ 92,000 |
| San Antonio, TX | 818 | $ 86,395,000 | $ 105,617 | $ 88,000 |
| Seattle-Bellevue-Everett, WA | 793 | $ 167,696,000 | $ 211,470 | $ 90,000 |
| St. Louis, MO-IL | 776 | $ 75,251,000 | $ 96,972 | $ 60,000 |
| Orlando, FL | 757 | $ 107,499,000 | $ 142,006 | $ 67,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 748 | $ 132,963,000 | $ 177,758 | $ 85,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 745 | $ 149,817,000 | $ 201,096 | $ 85,000 |
| Modesto, CA | 744 | $ 143,691,000 | $ 193,133 | $ 91,000 |
| Austin-Round Rock, TX | 729 | $ 111,060,000 | $ 152,345 | $ 95,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 721 | $ 94,122,000 | $ 130,543 | $ 63,000 |
| Kansas City, MO-KS | 718 | $ 62,438,000 | $ 86,961 | $ 58,000 |
| Tampa-St. Petersburg-Clearwater, FL | 705 | $ 96,141,000 | $ 136,370 | $ 65,000 |
| Boston-Quincy, MA | 699 | $ 195,222,000 | $ 279,287 | $ 99,000 |
| Indianapolis, IN | 675 | $ 76,100,000 | $ 112,740 | $ 68,000 |
| Memphis, TN-MS-AR | 672 | $ 72,271,000 | $ 107,546 | $ 55,000 |
| Baltimore-Towson, MD | 647 | $ 98,846,000 | $ 152,775 | $ 85,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 635 | $ 142,554,000 | $ 224,494 | $ 101,000 |
| Honolulu, HI | 605 | $ 162,165,000 | $ 268,041 | $ 110,000 |
| Columbus, OH | 559 | $ 72,757,000 | $ 130,155 | $ 77,000 |
| New York-Wayne-White Plains, NY-NJ | 546 | $ 220,652,000 | $ 404,124 | $ 126,000 |
| Tucson, AZ | 541 | $ 71,571,000 | $ 132,293 | $ 67,000 |
| Lake County-Kenosha County, IL-WI | 515 | $ 111,989,000 | $ 217,454 | $ 109,000 |
| Vallejo-Fairfield, CA | 513 | $ 135,520,000 | $ 264,171 | $ 137,000 |
| Cincinnati-Middletown, OH-KY-IN | 482 | $ 60,845,000 | $ 126,234 | $ 71,000 |
| Richmond, VA | 480 | $ 63,930,000 | $ 133,187 | $ 54,000 |
| Hartford-West Hartford-East Hartford, CT | 465 | $ 69,886,000 | $ 150,292 | $ 62,000 |
| Bridgeport-Stamford-Norwalk, CT | 457 | $ 122,909,000 | $ 268,947 | $ 93,000 |
| New Haven-Milford, CT | 442 | $ 67,167,000 | $ 151,961 | $ 72,000 |
| Nashville-Davidson--Murfreesboro, TN | 431 | $ 53,539,000 | $ 124,220 | $ 65,000 |
| Jacksonville, FL | 394 | $ 46,988,000 | $ 119,258 | $ 58,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 379 | $ 45,709,000 | $ 120,604 | $ 68,000 |
| Tacoma, WA | 377 | $ 56,381,000 | $ 149,551 | $ 79,000 |
| Colorado Springs, CO | 366 | $ 52,369,000 | $ 143,084 | $ 74,000 |
| Atlantic City, NJ | 349 | $ 53,421,000 | $ 153,068 | $ 67,000 |
| Rockford, IL | 348 | $ 35,225,000 | $ 101,221 | $ 56,000 |
| Salinas, CA | 343 | $ 108,258,000 | $ 315,620 | $ 156,000 |
| Cambridge-Newton-Framingham, MA | 342 | $ 95,241,000 | $ 278,482 | $ 87,000 |
| Jackson, MS | 339 | $ 24,408,000 | $ 72,000 | $ 61,000 |
| Ogden-Clearfield, UT | 336 | $ 41,084,000 | $ 122,273 | $ 68,000 |
| Provo-Orem, UT | 327 | $ 50,991,000 | $ 155,935 | $ 74,000 |
| Merced, CA | 319 | $ 57,014,000 | $ 178,727 | $ 86,000 |
| Port St. Lucie-Fort Pierce, FL | 316 | $ 43,874,000 | $ 138,841 | $ 70,000 |
| Milwaukee-Waukesha-West Allis, WI | 306 | $ 29,237,000 | $ 95,545 | $ 69,000 |
| Tulsa, OK | 306 | $ 28,293,000 | $ 92,460 | $ 60,000 |
| Fresno, CA | 300 | $ 46,497,000 | $ 154,990 | $ 70,000 |
| Flint, MI | 295 | $ 26,666,000 | $ 90,393 | $ 52,000 |
| Oklahoma City, OK | 295 | $ 25,055,000 | $ 84,932 | $ 65,000 |
| Birmingham-Hoover, AL | 292 | $ 23,116,000 | $ 79,164 | $ 56,000 |
| Worcester, MA | 287 | $ 52,726,000 | $ 183,714 | $ 83,000 |
| Bethesda-Frederick-Gaithersburg, MD | 286 | $ 76,982,000 | $ 269,167 | $ 96,000 |
| Harrisburg-Carlisle, PA | 286 | $ 30,480,000 | $ 106,573 | $ 48,000 |
| Greeley, CO | 281 | $ 41,522,000 | $ 147,765 | $ 77,000 |
| Scranton--Wilkes-Barre, PA | 278 | $ 28,481,000 | $ 102,449 | $ 63,000 |
| Bakersfield, CA | 276 | $ 38,664,000 | $ 140,086 | $ 68,000 |
| Charlotte-Gastonia-Concord, NC-SC | 272 | $ 34,498,000 | $ 126,830 | $ 77,000 |
| Dayton, OH | 266 | $ 27,262,000 | $ 102,488 | $ 67,000 |
| Gary, IN | 255 | $ 29,477,000 | $ 115,596 | $ 60,000 |
| Trenton-Ewing, NJ | 250 | $ 38,998,000 | $ 155,992 | $ 73,000 |
| Cape Coral-Fort Myers, FL | 238 | $ 31,437,000 | $ 132,088 | $ 61,000 |
| Laredo, TX | 225 | $ 21,817,000 | $ 96,964 | $ 68,000 |
| Santa Rosa-Petaluma, CA | 223 | $ 74,276,000 | $ 333,076 | $ 122,000 |
| Knoxville, TN | 221 | $ 24,469,000 | $ 110,719 | $ 55,000 |
| Boise City-Nampa, ID | 215 | $ 25,892,000 | $ 120,427 | $ 64,000 |
| El Paso, TX | 210 | $ 24,268,000 | $ 115,561 | $ 61,000 |
| Springfield, MA | 209 | $ 29,025,000 | $ 138,875 | $ 57,000 |
| Grand Rapids-Wyoming, MI | 207 | $ 24,271,000 | $ 117,251 | $ 59,000 |
| Sarasota-Bradenton-Venice, FL | 205 | $ 36,604,000 | $ 178,556 | $ 71,000 |
| Essex County, MA | 204 | $ 49,858,000 | $ 244,401 | $ 90,000 |
| Nassau-Suffolk, NY | 201 | $ 70,472,000 | $ 350,606 | $ 133,000 |
| York-Hanover, PA | 201 | $ 24,712,000 | $ 122,945 | $ 64,000 |
| Akron, OH | 200 | $ 22,850,000 | $ 114,250 | $ 49,000 |
| Reading, PA | 195 | $ 24,935,000 | $ 127,871 | $ 56,000 |
| New Orleans-Metairie-Kenner, LA | 192 | $ 25,374,000 | $ 132,156 | $ 69,000 |
| Salem, OR | 190 | $ 23,459,000 | $ 123,468 | $ 63,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 188 | $ 64,026,000 | $ 340,563 | $ 127,000 |
| Peoria, IL | 185 | $ 17,629,000 | $ 95,291 | $ 44,000 |
| Visalia-Porterville, CA | 182 | $ 23,549,000 | $ 129,390 | $ 79,000 |
| Toledo, OH | 177 | $ 20,106,000 | $ 113,593 | $ 64,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 176 | $ 22,344,000 | $ 126,954 | $ 89,000 |
| Lancaster, PA | 168 | $ 21,157,000 | $ 125,934 | $ 56,000 |
| Evansville, IN-KY | 167 | $ 13,961,000 | $ 83,598 | $ 47,000 |
| McAllen-Edinburg-Pharr, TX | 165 | $ 18,187,000 | $ 110,224 | $ 65,000 |
| Prescott, AZ | 158 | $ 27,383,000 | $ 173,310 | $ 67,000 |
| Boulder, CO | 156 | $ 35,979,000 | $ 230,634 | $ 77,000 |
| Youngstown-Warren-Boardman, OH-PA | 155 | $ 15,503,000 | $ 100,019 | $ 49,000 |
| Fort Wayne, IN | 153 | $ 13,526,000 | $ 88,405 | $ 47,000 |
| Little Rock-North Little Rock, AR | 153 | $ 14,049,000 | $ 91,823 | $ 92,000 |
| Palm Bay-Melbourne-Titusville, FL | 150 | $ 17,957,000 | $ 119,713 | $ 57,000 |
| Chattanooga, TN-GA | 147 | $ 14,444,000 | $ 98,258 | $ 55,000 |
| Pueblo, CO | 145 | $ 13,522,000 | $ 93,255 | $ 46,000 |
| Olympia, WA | 142 | $ 19,945,000 | $ 140,457 | $ 68,000 |
| Erie, PA | 140 | $ 11,954,000 | $ 85,385 | $ 42,000 |
| South Bend-Mishawaka, IN-MI | 137 | $ 11,105,000 | $ 81,058 | $ 57,000 |
| Columbus, GA-AL | 136 | $ 14,605,000 | $ 107,389 | $ 91,000 |
| Albuquerque, NM | 134 | $ 18,644,000 | $ 139,134 | $ 71,000 |
| Macon, GA | 131 | $ 12,743,000 | $ 97,274 | $ 71,000 |
| Naples-Marco Island, FL | 131 | $ 23,467,000 | $ 179,137 | $ 89,000 |
| Lakeland, FL | 129 | $ 14,644,000 | $ 113,519 | $ 52,000 |
| Des Moines, IA | 128 | $ 12,063,000 | $ 94,242 | $ 49,000 |
| Pensacola-Ferry Pass-Brent, FL | 126 | $ 12,842,000 | $ 101,920 | $ 55,000 |
| Canton-Massillon, OH | 123 | $ 12,569,000 | $ 102,186 | $ 49,000 |
| Santa Cruz-Watsonville, CA | 123 | $ 42,811,000 | $ 348,056 | $ 130,000 |
| Lansing-East Lansing, MI | 122 | $ 13,791,000 | $ 113,040 | $ 54,000 |
| Springfield, IL | 122 | $ 10,038,000 | $ 82,278 | $ 50,000 |
| Fort Collins-Loveland, CO | 121 | $ 19,999,000 | $ 165,280 | $ 102,000 |
| Spokane, WA | 116 | $ 14,840,000 | $ 127,931 | $ 59,000 |
| Louisville, KY-IN | 115 | $ 11,511,000 | $ 100,095 | $ 54,000 |
| Norwich-New London, CT | 115 | $ 18,150,000 | $ 157,826 | $ 76,000 |
| Reno-Sparks, NV | 115 | $ 23,050,000 | $ 200,434 | $ 81,000 |
| Providence-New Bedford-Fall River, RI-MA | 114 | $ 22,126,000 | $ 194,087 | $ 106,000 |
| Augusta-Richmond County, GA-SC | 108 | $ 12,163,000 | $ 112,620 | $ 58,000 |
| Montgomery, AL | 106 | $ 8,869,000 | $ 83,669 | $ 48,000 |
| Beaumont-Port Arthur, TX | 101 | $ 9,600,000 | $ 95,049 | $ 88,000 |
| Brownsville-Harlingen, TX | 101 | $ 9,562,000 | $ 94,673 | $ 69,000 |
| Tallahassee, FL | 97 | $ 11,316,000 | $ 116,659 | $ 59,000 |
| Kalamazoo-Portage, MI | 91 | $ 10,084,000 | $ 110,813 | $ 52,000 |
| Battle Creek, MI | 89 | $ 8,072,000 | $ 90,696 | $ 42,000 |
| Eugene-Springfield, OR | 89 | $ 11,886,000 | $ 133,550 | $ 58,000 |
| Bremerton-Silverdale, WA | 88 | $ 12,895,000 | $ 146,534 | $ 67,000 |
| Madera, CA | 88 | $ 15,448,000 | $ 175,545 | $ 86,000 |
| Ocala, FL | 88 | $ 12,465,000 | $ 141,647 | $ 57,000 |
| Corpus Christi, TX | 87 | $ 8,524,000 | $ 97,977 | $ 96,000 |
| Roanoke, VA | 86 | $ 10,434,000 | $ 121,325 | $ 58,000 |
| Columbia, SC | 85 | $ 7,490,000 | $ 88,117 | $ 63,000 |
| Yuba City, CA | 85 | $ 15,583,000 | $ 183,329 | $ 78,000 |
| Chico, CA | 84 | $ 14,151,000 | $ 168,464 | $ 73,000 |
| Saginaw-Saginaw Township North, MI | 84 | $ 7,336,000 | $ 87,333 | $ 88,000 |
| Kankakee-Bradley, IL | 82 | $ 8,921,000 | $ 108,792 | $ 52,000 |
| Vineland-Millville-Bridgeton, NJ | 81 | $ 9,160,000 | $ 113,086 | $ 59,000 |
| Ocean City, NJ | 80 | $ 14,856,000 | $ 185,700 | $ 79,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 80 | $ 27,016,000 | $ 337,700 | $ 122,000 |
| Raleigh-Cary, NC | 78 | $ 11,008,000 | $ 141,128 | $ 92,000 |
| Ann Arbor, MI | 77 | $ 18,749,000 | $ 243,493 | $ 76,000 |
| Savannah, GA | 77 | $ 11,688,000 | $ 151,792 | $ 62,000 |
| Grand Junction, CO | 76 | $ 11,766,000 | $ 154,815 | $ 104,000 |
| Napa, CA | 75 | $ 25,673,000 | $ 342,306 | $ 143,000 |
| Redding, CA | 73 | $ 15,318,000 | $ 209,835 | $ 102,000 |
| Barnstable Town, MA | 71 | $ 16,594,000 | $ 233,718 | $ 84,000 |
| Greenville, SC | 71 | $ 7,020,000 | $ 98,873 | $ 56,000 |
| Champaign-Urbana, IL | 70 | $ 6,824,000 | $ 97,485 | $ 58,000 |
| Longview, WA | 69 | $ 6,908,000 | $ 100,115 | $ 88,000 |
| St. Joseph, MO-KS | 69 | $ 5,378,000 | $ 77,942 | $ 61,000 |
| Muskegon-Norton Shores, MI | 68 | $ 6,499,000 | $ 95,573 | $ 56,000 |
| St. George, UT | 68 | $ 9,841,000 | $ 144,720 | $ 64,000 |
| Williamsport, PA | 66 | $ 7,082,000 | $ 107,303 | $ 48,000 |
| Charleston, WV | 65 | $ 6,687,000 | $ 102,876 | $ 48,000 |
| Mobile, AL | 65 | $ 4,687,000 | $ 72,107 | $ 45,000 |
| Kennewick-Richland-Pasco, WA | 64 | $ 6,920,000 | $ 108,125 | $ 58,000 |
| Albany, GA | 63 | $ 6,090,000 | $ 96,666 | $ 53,000 |
| San Luis Obispo-Paso Robles, CA | 60 | $ 21,012,000 | $ 350,200 | $ 119,000 |
| El Centro, CA | 59 | $ 7,375,000 | $ 125,000 | $ 63,000 |
| Gainesville, FL | 59 | $ 8,063,000 | $ 136,661 | $ 91,000 |
| Kingsport-Bristol-Bristol, TN-VA | 57 | $ 7,027,000 | $ 123,280 | $ 53,000 |
| Holland-Grand Haven, MI | 56 | $ 8,498,000 | $ 151,750 | $ 76,000 |
| Killeen-Temple-Fort Hood, TX | 56 | $ 5,256,000 | $ 93,857 | $ 79,000 |
| Medford, OR | 56 | $ 9,981,000 | $ 178,232 | $ 74,000 |
| Yuma, AZ | 56 | $ 6,019,000 | $ 107,482 | $ 73,000 |
| Athens-Clarke County, GA | 55 | $ 6,398,000 | $ 116,327 | $ 75,000 |
| Lynchburg, VA | 55 | $ 7,164,000 | $ 130,254 | $ 53,000 |
| Waco, TX | 55 | $ 5,091,000 | $ 92,563 | $ 54,000 |
| Bloomington-Normal, IL | 54 | $ 6,664,000 | $ 123,407 | $ 67,000 |
| Elkhart-Goshen, IN | 54 | $ 5,234,000 | $ 96,925 | $ 76,000 |
| Flagstaff, AZ | 53 | $ 11,194,000 | $ 211,207 | $ 88,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 53 | $ 12,669,000 | $ 239,037 | $ 109,000 |
| Albany-Schenectady-Troy, NY | 52 | $ 5,754,000 | $ 110,653 | $ 72,000 |
| Lima, OH | 52 | $ 5,229,000 | $ 100,557 | $ 51,000 |
| Baton Rouge, LA | 51 | $ 4,849,000 | $ 95,078 | $ 58,000 |
| Hanford-Corcoran, CA | 51 | $ 6,547,000 | $ 128,372 | $ 81,000 |
| Anderson, IN | 50 | $ 4,473,000 | $ 89,460 | $ 52,000 |
| Fort Walton Beach-Crestview-Destin, FL | 50 | $ 7,818,000 | $ 156,360 | $ 111,000 |
| Niles-Benton Harbor, MI | 50 | $ 4,778,000 | $ 95,560 | $ 56,000 |
| Terre Haute, IN | 50 | $ 3,528,000 | $ 70,560 | $ 39,000 |
| Vero Beach, FL | 50 | $ 5,750,000 | $ 115,000 | $ 103,000 |
| Yakima, WA | 50 | $ 5,437,000 | $ 108,740 | $ 51,000 |
| Johnson City, TN | 49 | $ 5,757,000 | $ 117,489 | $ 44,000 |
| Mount Vernon-Anacortes, WA | 49 | $ 7,186,000 | $ 146,653 | $ 50,000 |
| Portland-South Portland-Biddeford, ME | 49 | $ 8,908,000 | $ 181,795 | $ 86,000 |
| Punta Gorda, FL | 49 | $ 7,460,000 | $ 152,244 | $ 112,000 |
| Michigan City-La Porte, IN | 48 | $ 4,665,000 | $ 97,187 | $ 84,000 |
| Morristown, TN | 48 | $ 4,968,000 | $ 103,500 | $ 54,000 |
| Amarillo, TX | 47 | $ 6,336,000 | $ 134,808 | $ 93,000 |
| Bellingham, WA | 47 | $ 8,621,000 | $ 183,425 | $ 106,000 |
| Omaha-Council Bluffs, NE-IA | 47 | $ 3,491,000 | $ 74,276 | $ 64,000 |
| Rome, GA | 47 | $ 4,920,000 | $ 104,680 | $ 47,000 |
| Wichita, KS | 47 | $ 4,014,000 | $ 85,404 | $ 53,000 |
| Wilmington, DE-MD-NJ | 47 | $ 6,734,000 | $ 143,276 | $ 69,000 |
| Winchester, VA-WV | 47 | $ 7,295,000 | $ 155,212 | $ 57,000 |
| Greensboro-High Point, NC | 46 | $ 6,370,000 | $ 138,478 | $ 76,000 |
| Jackson, TN | 46 | $ 4,168,000 | $ 90,608 | $ 50,000 |
| Monroe, MI | 46 | $ 6,664,000 | $ 144,869 | $ 63,000 |
| Charleston-North Charleston, SC | 45 | $ 7,462,000 | $ 165,822 | $ 117,000 |
| Charlottesville, VA | 45 | $ 8,609,000 | $ 191,311 | $ 74,000 |
| Muncie, IN | 45 | $ 3,023,000 | $ 67,177 | $ 33,000 |
| Huntsville, AL | 44 | $ 4,642,000 | $ 105,500 | $ 50,000 |
| Kokomo, IN | 44 | $ 4,372,000 | $ 99,363 | $ 53,000 |
| Springfield, OH | 44 | $ 3,998,000 | $ 90,863 | $ 47,000 |
| Wenatchee, WA | 44 | $ 6,217,000 | $ 141,295 | $ 70,000 |
| Billings, MT | 43 | $ 4,681,000 | $ 108,860 | $ 46,000 |
| Clarksville, TN-KY | 42 | $ 4,385,000 | $ 104,404 | $ 50,000 |
| Lebanon, PA | 42 | $ 4,743,000 | $ 112,928 | $ 39,000 |
| Missoula, MT | 42 | $ 7,306,000 | $ 173,952 | $ 112,000 |
| Warner Robins, GA | 42 | $ 5,361,000 | $ 127,642 | $ 47,000 |
| Gainesville, GA | 41 | $ 6,153,000 | $ 150,073 | $ 90,000 |
| Madison, WI | 41 | $ 5,863,000 | $ 143,000 | $ 74,000 |
| Panama City-Lynn Haven, FL | 41 | $ 6,240,000 | $ 152,195 | $ 86,000 |
| Coeur D'Alene, ID | 40 | $ 7,277,000 | $ 181,925 | $ 146,000 |
| Joplin, MO | 40 | $ 3,426,000 | $ 85,650 | $ 39,000 |
| Springfield, MO | 40 | $ 3,792,000 | $ 94,800 | $ 58,000 |
| Farmington, NM | 39 | $ 4,918,000 | $ 126,102 | $ 69,000 |
| Lubbock, TX | 39 | $ 3,888,000 | $ 99,692 | $ 82,000 |
| Tyler, TX | 39 | $ 3,753,000 | $ 96,230 | $ 78,000 |
| Bend, OR | 38 | $ 6,060,000 | $ 159,473 | $ 85,000 |
| Lafayette, IN | 38 | $ 4,040,000 | $ 106,315 | $ 48,000 |
| State College, PA | 38 | $ 4,797,000 | $ 126,236 | $ 81,000 |
| Altoona, PA | 37 | $ 3,226,000 | $ 87,189 | $ 61,000 |
| Jackson, MI | 37 | $ 4,610,000 | $ 124,594 | $ 54,000 |
| Santa Fe, NM | 35 | $ 7,320,000 | $ 209,142 | $ 109,000 |
| Bay City, MI | 34 | $ 3,175,000 | $ 93,382 | $ 47,000 |
| Lawton, OK | 34 | $ 1,887,000 | $ 55,500 | $ 44,000 |
| Mansfield, OH | 34 | $ 2,667,000 | $ 78,441 | $ 59,000 |
| Decatur, IL | 33 | $ 2,385,000 | $ 72,272 | $ 40,000 |
| Hot Springs, AR | 33 | $ 2,667,000 | $ 80,818 | $ 38,000 |
| Huntington-Ashland, WV-KY-OH | 33 | $ 2,319,000 | $ 70,272 | $ 41,000 |
| Sandusky, OH | 33 | $ 3,558,000 | $ 107,818 | $ 62,000 |
| Spartanburg, SC | 33 | $ 2,722,000 | $ 82,484 | $ 45,000 |
| Rockingham County-Strafford County, NH | 32 | $ 6,396,000 | $ 199,875 | $ 74,000 |
| Gulfport-Biloxi, MS | 31 | $ 3,319,000 | $ 107,064 | $ 64,000 |
| Hickory-Lenoir-Morganton, NC | 31 | $ 4,403,000 | $ 142,032 | $ 62,000 |
| Johnstown, PA | 31 | $ 2,501,000 | $ 80,677 | $ 45,000 |
| Cleveland, TN | 30 | $ 3,263,000 | $ 108,766 | $ 124,000 |
| College Station-Bryan, TX | 30 | $ 3,118,000 | $ 103,933 | $ 100,000 |
| Durham, NC | 30 | $ 3,621,000 | $ 120,700 | $ 66,000 |
| Logan, UT-ID | 30 | $ 3,350,000 | $ 111,666 | $ 48,000 |
| Pittsfield, MA | 30 | $ 4,594,000 | $ 153,133 | $ 75,000 |
| Duluth, MN-WI | 29 | $ 4,005,000 | $ 138,103 | $ 57,000 |
| Hattiesburg, MS | 29 | $ 1,968,000 | $ 67,862 | $ 40,000 |
| Racine, WI | 29 | $ 3,543,000 | $ 122,172 | $ 122,000 |
| Pocatello, ID | 28 | $ 2,518,000 | $ 89,928 | $ 45,000 |
| Cheyenne, WY | 27 | $ 2,934,000 | $ 108,666 | $ 76,000 |
| Fayetteville, NC | 27 | $ 3,758,000 | $ 139,185 | $ 97,000 |
| Midland, TX | 26 | $ 2,773,000 | $ 106,653 | $ 77,000 |
| Pine Bluff, AR | 26 | $ 2,132,000 | $ 82,000 | $ 45,000 |
| Rocky Mount, NC | 26 | $ 1,592,000 | $ 61,230 | $ 96,000 |
| Danville, VA | 25 | $ 2,697,000 | $ 107,880 | $ 72,000 |
| Manchester-Nashua, NH | 25 | $ 5,699,000 | $ 227,960 | $ 110,000 |
| Asheville, NC | 24 | $ 4,209,000 | $ 175,375 | $ 92,000 |
| Bloomington, IN | 24 | $ 2,611,000 | $ 108,791 | $ 48,000 |
| Owensboro, KY | 24 | $ 2,222,000 | $ 92,583 | $ 62,000 |
| Sherman-Denison, TX | 24 | $ 2,834,000 | $ 118,083 | $ 96,000 |
| Tuscaloosa, AL | 24 | $ 2,604,000 | $ 108,500 | $ 60,000 |
| Winston-Salem, NC | 24 | $ 3,330,000 | $ 138,750 | $ 87,000 |
| Brunswick, GA | 23 | $ 2,766,000 | $ 120,260 | $ 63,000 |
| Longview, TX | 23 | $ 1,850,000 | $ 80,434 | $ 54,000 |
| San Angelo, TX | 23 | $ 1,578,000 | $ 68,608 | $ 53,000 |
| Sioux City, IA-NE-SD | 23 | $ 1,448,000 | $ 62,956 | $ 48,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 22 | $ 2,500,000 | $ 113,636 | $ 66,000 |
| Valdosta, GA | 22 | $ 2,678,000 | $ 121,727 | $ 62,000 |
| Buffalo-Niagara Falls, NY | 21 | $ 1,376,000 | $ 65,523 | $ 47,000 |
| Dalton, GA | 21 | $ 2,606,000 | $ 124,095 | $ 49,000 |
| Salisbury, MD | 21 | $ 2,176,000 | $ 103,619 | $ 42,000 |
| Wichita Falls, TX | 21 | $ 2,587,000 | $ 123,190 | $ 58,000 |
| Auburn-Opelika, AL | 20 | $ 2,472,000 | $ 123,600 | $ 83,000 |
| Greenville, NC | 19 | $ 1,760,000 | $ 92,631 | $ 49,000 |
| Lexington-Fayette, KY | 19 | $ 1,994,000 | $ 104,947 | $ 94,000 |
| Parkersburg-Marietta, WV-OH | 19 | $ 1,615,000 | $ 85,000 | $ 50,000 |
| Cedar Rapids, IA | 18 | $ 1,384,000 | $ 76,888 | $ 54,000 |
| Danville, IL | 18 | $ 1,585,000 | $ 88,055 | $ 64,000 |
| Hinesville-Fort Stewart, GA | 18 | $ 1,787,000 | $ 99,277 | $ 38,000 |
| Idaho Falls, ID | 18 | $ 2,332,000 | $ 129,555 | $ 58,000 |
| Abilene, TX | 17 | $ 1,696,000 | $ 99,764 | $ 67,000 |
| Odessa, TX | 17 | $ 1,069,000 | $ 62,882 | $ 53,000 |
| Rochester, MN | 17 | $ 2,323,000 | $ 136,647 | $ 58,000 |
| Shreveport-Bossier City, LA | 17 | $ 1,504,000 | $ 88,470 | $ 47,000 |
| Harrisonburg, VA | 16 | $ 2,212,000 | $ 138,250 | $ 57,000 |
| Topeka, KS | 16 | $ 2,284,000 | $ 142,750 | $ 70,000 |
| Victoria, TX | 16 | $ 1,563,000 | $ 97,687 | $ 83,000 |
| Waterloo-Cedar Falls, IA | 16 | $ 934,000 | $ 58,375 | $ 33,000 |
| Wilmington, NC | 16 | $ 3,189,000 | $ 199,312 | $ 108,000 |
| Burlington, NC | 15 | $ 1,606,000 | $ 107,066 | $ 54,000 |
| Janesville, WI | 15 | $ 1,983,000 | $ 132,200 | $ 51,000 |
| Appleton, WI | 14 | $ 1,845,000 | $ 131,785 | $ 61,000 |
| Florence, SC | 14 | $ 1,145,000 | $ 81,785 | $ 77,000 |
| Kingston, NY | 14 | $ 2,906,000 | $ 207,571 | $ 73,000 |
| Texarkana, Tx-Texarkana, AR | 14 | $ 1,305,000 | $ 93,214 | $ 49,000 |
| Blacksburg-Christiansburg-Radford, VA | 13 | $ 1,739,000 | $ 133,769 | $ 69,000 |
| Anderson, SC | 12 | $ 839,000 | $ 69,916 | $ 36,000 |
| Lake Charles, LA | 12 | $ 1,801,000 | $ 150,083 | $ 77,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 12 | $ 1,938,000 | $ 161,500 | $ 58,000 |
| St. Cloud, MN | 12 | $ 1,574,000 | $ 131,166 | $ 63,000 |
| Corvallis, OR | 11 | $ 1,533,000 | $ 139,363 | $ 93,000 |
| Davenport-Moline-Rock Island, IA-IL | 11 | $ 869,000 | $ 79,000 | $ 51,000 |
| Dothan, AL | 11 | $ 943,000 | $ 85,727 | $ 36,000 |
| Lafayette, LA | 11 | $ 814,000 | $ 74,000 | $ 55,000 |
| Pascagoula, MS | 11 | $ 630,000 | $ 57,272 | $ 43,000 |
| Columbus, IN | 10 | $ 1,436,000 | $ 143,600 | $ 181,000 |
| Decatur, AL | 10 | $ 890,000 | $ 89,000 | $ 40,000 |
| Fort Smith, AR-OK | 10 | $ 759,000 | $ 75,900 | $ 54,000 |
| Green Bay, WI | 10 | $ 1,062,000 | $ 106,200 | $ 44,000 |
| Bangor, ME | 9 | $ 1,096,000 | $ 121,777 | $ 84,000 |
| Carson City, NV | 9 | $ 1,216,000 | $ 135,111 | $ 77,000 |
| Columbia, MO | 9 | $ 1,017,000 | $ 113,000 | $ 43,000 |
| Jefferson City, MO | 9 | $ 626,000 | $ 69,555 | $ 30,000 |
| Weirton-Steubenville, WV-OH | 9 | $ 816,000 | $ 90,666 | $ 45,000 |
| Anniston-Oxford, AL | 8 | $ 466,000 | $ 58,250 | $ 24,000 |
| Houma-Bayou Cane-Thibodaux, LA | 8 | $ 816,000 | $ 102,000 | $ 46,000 |
| Burlington-South Burlington, VT | 7 | $ 1,007,000 | $ 143,857 | $ 93,000 |
| Casper, WY | 7 | $ 882,000 | $ 126,000 | $ 55,000 |
| Glens Falls, NY | 7 | $ 867,000 | $ 123,857 | $ 55,000 |
| Great Falls, MT | 7 | $ 629,000 | $ 89,857 | $ 55,000 |
| Hagerstown-Martinsburg, MD-WV | 7 | $ 1,098,000 | $ 156,857 | $ 60,000 |
| Dover, DE | 6 | $ 868,000 | $ 144,666 | $ 57,000 |
| Florence-Muscle Shoals, AL | 6 | $ 462,000 | $ 77,000 | $ 53,000 |
| Fond Du Lac, WI | 6 | $ 553,000 | $ 92,166 | $ 54,000 |
| Las Cruces, NM | 6 | $ 971,000 | $ 161,833 | $ 62,000 |
| Morgantown, WV | 6 | $ 354,000 | $ 59,000 | $ 30,000 |
| Rochester, NY | 6 | $ 956,000 | $ 159,333 | $ 85,000 |
| Utica-Rome, NY | 6 | $ 865,000 | $ 144,166 | $ 83,000 |
| Alexandria, LA | 5 | $ 424,000 | $ 84,800 | $ 61,000 |
| Fargo, ND-MN | 5 | $ 472,000 | $ 94,400 | $ 43,000 |
| Iowa City, IA | 5 | $ 597,000 | $ 119,400 | $ 73,000 |
| Lawrence, KS | 5 | $ 768,000 | $ 153,600 | $ 56,000 |
| Bowling Green, KY | 4 | $ 422,000 | $ 105,500 | $ 48,000 |
| Eau Claire, WI | 4 | $ 507,000 | $ 126,750 | $ 58,000 |
| Gadsden, AL | 4 | $ 381,000 | $ 95,250 | $ 35,000 |
| Jacksonville, NC | 4 | $ 346,000 | $ 86,500 | $ 78,000 |
| Jonesboro, AR | 4 | $ 401,000 | $ 100,250 | $ 65,000 |
| Lewiston-Auburn, ME | 4 | $ 473,000 | $ 118,250 | $ 52,000 |
| Monroe, LA | 4 | $ 343,000 | $ 85,750 | $ 76,000 |
| Sheboygan, WI | 4 | $ 261,000 | $ 65,250 | $ 47,000 |
| Ames, IA | 3 | $ 294,000 | $ 98,000 | $ 58,000 |
| Elizabethtown, KY | 3 | $ 295,000 | $ 98,333 | $ 47,000 |
| Goldsboro, NC | 3 | $ 233,000 | $ 77,666 | $ 46,000 |
| Oshkosh-Neenah, WI | 3 | $ 282,000 | $ 94,000 | $ 69,000 |
| Sumter, SC | 3 | $ 390,000 | $ 130,000 | $ 56,000 |
| Wausau, WI | 3 | $ 351,000 | $ 117,000 | $ 74,000 |
| Cumberland, MD-WV | 2 | $ 112,000 | $ 56,000 | $ 51,000 |
| Lincoln, NE | 2 | $ 172,000 | $ 86,000 | $ 29,000 |
| Syracuse, NY | 2 | $ 175,000 | $ 87,500 | $ 30,000 |
| Binghamton, NY | 1 | $ 43,000 | $ 43,000 | $ 25,000 |
| Elmira, NY | 1 | $ 75,000 | $ 75,000 | $ 47,000 |
| Fajardo, PR | 1 | $ 170,000 | $ 170,000 | $ 120,000 |
| Ithaca, NY | 1 | $ 94,000 | $ 94,000 | $ 57,000 |
| La Crosse, WI-MN | 1 | $ 100,000 | $ 100,000 | $ 24,000 |
| Wheeling, WV-OH | 1 | $ 56,000 | $ 56,000 | $ 37,000 |
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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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