Finance America, LLC Mortgage Lending & HMDA Data, 2003
In 2003, Finance America, LLC of Irvine, CA reported 67,221 mortgage applications totaling $11.5 billion. The average application was for $170,662, and applicants reported an average income of $85,239. 31% of its applications resulted in an originated loan and 66% were denied. Its largest markets were Chicago, IL (4,162), Los Angeles-Long Beach, CA (4,033) and Riverside-San Bernardino, CA (2,914) (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 | 67,221 |
| Total Mortgage Loan Application Amount | $11,472,075,000 |
| Average Mortgage Loan Application Amount | $170,662 |
| Highest Mortgage Loan Application Amount | $3,500,000 |
| Average Applicant Income | $85,239 |
| Highest Applicant Income | $6,000,000 |
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Act (HMDA) records Finance America, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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, IL | 4,162 | $ 730,190,000 | $ 175,442 | $ 81,000 |
| Los Angeles-Long Beach, CA | 4,033 | $ 953,245,000 | $ 236,361 | $ 111,000 |
| Riverside-San Bernardino, CA | 2,914 | $ 507,558,000 | $ 174,179 | $ 83,000 |
| Phoenix-Mesa, AZ | 2,902 | $ 432,349,000 | $ 148,983 | $ 73,000 |
| Houston, TX | 1,634 | $ 202,246,000 | $ 123,773 | $ 101,000 |
| San Diego, CA | 1,629 | $ 450,816,000 | $ 276,744 | $ 132,000 |
| Oakland, CA | 1,446 | $ 404,513,000 | $ 279,746 | $ 114,000 |
| Denver, CO | 1,426 | $ 260,339,000 | $ 182,565 | $ 84,000 |
| Sacramento, CA | 1,411 | $ 274,648,000 | $ 194,647 | $ 94,000 |
| Dallas, TX | 1,392 | $ 177,680,000 | $ 127,643 | $ 103,000 |
| Las Vegas, NV-AZ | 1,265 | $ 208,037,000 | $ 164,456 | $ 85,000 |
| Orange County, CA | 1,174 | $ 363,965,000 | $ 310,021 | $ 131,000 |
| Fort Lauderdale, FL | 1,108 | $ 162,175,000 | $ 146,367 | $ 75,000 |
| Miami, FL | 961 | $ 139,130,000 | $ 144,776 | $ 78,000 |
| Detroit, MI | 952 | $ 124,709,000 | $ 130,996 | $ 83,000 |
| Philadelphia, PA-NJ | 929 | $ 127,560,000 | $ 137,308 | $ 82,000 |
| West Palm Beach-Boca Raton, FL | 851 | $ 124,082,000 | $ 145,807 | $ 74,000 |
| Tampa-St. Petersburg-Clearwater, FL | 838 | $ 95,947,000 | $ 114,495 | $ 60,000 |
| San Jose, CA | 837 | $ 277,179,000 | $ 331,157 | $ 134,000 |
| Portland-Vancouver, OR-WA | 691 | $ 121,632,000 | $ 176,023 | $ 94,000 |
| San Francisco, CA | 670 | $ 266,801,000 | $ 398,210 | $ 172,000 |
| Stockton-Lodi, CA | 632 | $ 119,894,000 | $ 189,705 | $ 89,000 |
| Fort Worth-Arlington, TX | 618 | $ 71,045,000 | $ 114,959 | $ 90,000 |
| Orlando, FL | 615 | $ 80,777,000 | $ 131,344 | $ 58,000 |
| Newark, NJ | 580 | $ 121,381,000 | $ 209,277 | $ 93,000 |
| St. Louis, MO-IL | 562 | $ 55,513,000 | $ 98,777 | $ 56,000 |
| Boston, MA-NH | 543 | $ 145,806,000 | $ 268,519 | $ 125,000 |
| Cleveland-Lorain-Elyria, OH | 508 | $ 49,871,000 | $ 98,171 | $ 72,000 |
| Atlanta, GA | 485 | $ 76,598,000 | $ 157,934 | $ 86,000 |
| Fresno, CA | 462 | $ 67,163,000 | $ 145,374 | $ 90,000 |
| Vallejo-Fairfield-Napa, CA | 455 | $ 120,018,000 | $ 263,775 | $ 140,000 |
| Monmouth-Ocean, NJ | 421 | $ 86,396,000 | $ 205,216 | $ 90,000 |
| Baltimore, MD | 415 | $ 62,582,000 | $ 150,800 | $ 81,000 |
| Pittsburgh, PA | 415 | $ 46,027,000 | $ 110,908 | $ 59,000 |
| Austin-San Marcos, TX | 414 | $ 68,589,000 | $ 165,673 | $ 113,000 |
| Minneapolis-St. Paul, MN-WI | 411 | $ 79,704,000 | $ 193,927 | $ 92,000 |
| San Antonio, TX | 402 | $ 39,415,000 | $ 98,047 | $ 91,000 |
| Tulsa, OK | 383 | $ 33,296,000 | $ 86,934 | $ 58,000 |
| Seattle-Bellevue-Everett, WA | 382 | $ 78,826,000 | $ 206,350 | $ 89,000 |
| Bakersfield, CA | 378 | $ 49,664,000 | $ 131,386 | $ 69,000 |
| Salt Lake City-Ogden, UT | 378 | $ 57,352,000 | $ 151,724 | $ 76,000 |
| Modesto, CA | 359 | $ 60,685,000 | $ 169,038 | $ 84,000 |
| Indianapolis, IN | 356 | $ 37,693,000 | $ 105,879 | $ 75,000 |
| New York, NY | 356 | $ 108,830,000 | $ 305,702 | $ 107,000 |
| Jacksonville, FL | 351 | $ 36,433,000 | $ 103,797 | $ 52,000 |
| Nassau-Suffolk, NY | 351 | $ 90,330,000 | $ 257,350 | $ 102,000 |
| Memphis, TN-AR-MS | 343 | $ 32,773,000 | $ 95,548 | $ 60,000 |
| Tucson, AZ | 343 | $ 50,096,000 | $ 146,052 | $ 85,000 |
| Oklahoma City, OK | 319 | $ 24,040,000 | $ 75,360 | $ 51,000 |
| Middlesex-Somerset-Hunterdon, NJ | 314 | $ 64,870,000 | $ 206,592 | $ 99,000 |
| Norfolk-Virginia Beach-Newport News, VA-NC | 301 | $ 35,654,000 | $ 118,451 | $ 61,000 |
| Bergen-Passaic, NJ | 292 | $ 72,430,000 | $ 248,047 | $ 122,000 |
| Colorado Springs, CO | 287 | $ 42,954,000 | $ 149,665 | $ 78,000 |
| Honolulu, HI | 272 | $ 78,434,000 | $ 288,360 | $ 133,000 |
| Richmond-Petersburg, VA | 271 | $ 32,572,000 | $ 120,191 | $ 65,000 |
| Fort Myers-Cape Coral, FL | 260 | $ 33,696,000 | $ 129,600 | $ 69,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 238 | $ 31,193,000 | $ 131,063 | $ 67,000 |
| Merced, CA | 229 | $ 36,558,000 | $ 159,641 | $ 75,000 |
| Washington, DC-MD-VA-WV | 228 | $ 48,882,000 | $ 214,394 | $ 92,000 |
| Fort Pierce-Port St. Lucie, FL | 222 | $ 25,290,000 | $ 113,918 | $ 52,000 |
| Salem, OR | 217 | $ 29,968,000 | $ 138,101 | $ 75,000 |
| Tacoma, WA | 214 | $ 32,226,000 | $ 150,588 | $ 70,000 |
| Daytona Beach, FL | 209 | $ 22,105,000 | $ 105,765 | $ 57,000 |
| Hartford, CT | 209 | $ 27,945,000 | $ 133,708 | $ 70,000 |
| Ventura, CA | 208 | $ 57,419,000 | $ 276,052 | $ 99,000 |
| Columbus, OH | 191 | $ 23,389,000 | $ 122,455 | $ 76,000 |
| Rockford, IL | 190 | $ 17,088,000 | $ 89,936 | $ 55,000 |
| Kansas City, MO-KS | 188 | $ 18,124,000 | $ 96,404 | $ 65,000 |
| Milwaukee-Waukesha, WI | 183 | $ 17,014,000 | $ 92,972 | $ 65,000 |
| Melbourne-Titusville-Palm Bay, FL | 177 | $ 20,656,000 | $ 116,700 | $ 66,000 |
| El Paso, TX | 172 | $ 15,042,000 | $ 87,453 | $ 93,000 |
| Lakeland-Winter Haven, FL | 172 | $ 15,799,000 | $ 91,854 | $ 57,000 |
| Evansville-Henderson, IN-KY | 169 | $ 13,093,000 | $ 77,473 | $ 58,000 |
| Visalia-Tulare-Porterville, CA | 169 | $ 20,759,000 | $ 122,834 | $ 64,000 |
| Atlantic-Cape May, NJ | 156 | $ 27,838,000 | $ 178,448 | $ 94,000 |
| Cincinnati, OH-KY-IN | 153 | $ 18,230,000 | $ 119,150 | $ 68,000 |
| Salinas, CA | 149 | $ 46,269,000 | $ 310,530 | $ 109,000 |
| Allentown-Bethlehem-Easton, PA | 146 | $ 19,982,000 | $ 136,863 | $ 75,000 |
| Pensacola, FL | 145 | $ 13,157,000 | $ 90,737 | $ 43,000 |
| Albuquerque, NM | 144 | $ 18,698,000 | $ 129,847 | $ 60,000 |
| Provo-Orem, UT | 135 | $ 22,003,000 | $ 162,985 | $ 83,000 |
| New Haven-Meriden, CT | 132 | $ 20,832,000 | $ 157,818 | $ 112,000 |
| Sarasota-Bradenton, FL | 126 | $ 17,587,000 | $ 139,579 | $ 89,000 |
| Trenton, NJ | 125 | $ 18,482,000 | $ 147,856 | $ 73,000 |
| Greeley, CO | 122 | $ 20,278,000 | $ 166,213 | $ 82,000 |
| Knoxville, TN | 121 | $ 10,820,000 | $ 89,421 | $ 48,000 |
| Santa Rosa, CA | 121 | $ 37,235,000 | $ 307,727 | $ 132,000 |
| Dayton-Springfield, OH | 120 | $ 11,172,000 | $ 93,100 | $ 52,000 |
| Eugene-Springfield, OR | 108 | $ 15,010,000 | $ 138,981 | $ 67,000 |
| Jersey City, NJ | 108 | $ 22,563,000 | $ 208,916 | $ 83,000 |
| Olympia, WA | 108 | $ 15,832,000 | $ 146,592 | $ 68,000 |
| Peoria-Pekin, IL | 105 | $ 8,609,000 | $ 81,990 | $ 45,000 |
| Nashville, TN | 104 | $ 13,105,000 | $ 126,009 | $ 70,000 |
| Fort Collins-Loveland, CO | 96 | $ 16,280,000 | $ 169,583 | $ 78,000 |
| Fort Wayne, IN | 93 | $ 6,600,000 | $ 70,967 | $ 52,000 |
| Chattanooga, TN-GA | 92 | $ 8,122,000 | $ 88,282 | $ 50,000 |
| Akron, OH | 90 | $ 9,829,000 | $ 109,211 | $ 51,000 |
| Naples, FL | 90 | $ 16,631,000 | $ 184,788 | $ 77,000 |
| Brazoria, TX | 88 | $ 10,606,000 | $ 120,522 | $ 112,000 |
| Springfield, MA | 88 | $ 9,823,000 | $ 111,625 | $ 64,000 |
| Redding, CA | 87 | $ 12,916,000 | $ 148,459 | $ 69,000 |
| Boulder-Longmont, CO | 85 | $ 19,458,000 | $ 228,917 | $ 129,000 |
| Charleston-North Charleston, SC | 84 | $ 9,077,000 | $ 108,059 | $ 65,000 |
| Ocala, FL | 84 | $ 9,428,000 | $ 112,238 | $ 57,000 |
| Bridgeport, CT | 83 | $ 14,456,000 | $ 174,168 | $ 81,000 |
| Grand Rapids-Muskegon-Holland, MI | 83 | $ 8,673,000 | $ 104,493 | $ 49,000 |
| Reading, PA | 83 | $ 11,251,000 | $ 135,554 | $ 56,000 |
| Harrisburg-Lebanon-Carlisle, PA | 82 | $ 10,728,000 | $ 130,829 | $ 67,000 |
| Chico-Paradise, CA | 81 | $ 12,012,000 | $ 148,296 | $ 66,000 |
| Reno, NV | 80 | $ 15,299,000 | $ 191,237 | $ 76,000 |
| Yolo, CA | 79 | $ 13,864,000 | $ 175,493 | $ 100,000 |
| Yuba City, CA | 79 | $ 11,130,000 | $ 140,886 | $ 89,000 |
| Greensboro--Winston-Salem--High Point, NC | 78 | $ 8,607,000 | $ 110,346 | $ 68,000 |
| Santa Barbara-Santa Maria-Lompoc, CA | 76 | $ 22,040,000 | $ 290,000 | $ 106,000 |
| Waterbury, CT | 74 | $ 9,320,000 | $ 125,945 | $ 70,000 |
| Brockton, MA | 73 | $ 15,948,000 | $ 218,465 | $ 78,000 |
| Santa Cruz-Watsonville, CA | 73 | $ 28,683,000 | $ 392,917 | $ 133,000 |
| Pueblo, CO | 71 | $ 7,574,000 | $ 106,676 | $ 61,000 |
| Springfield, IL | 69 | $ 5,589,000 | $ 81,000 | $ 52,000 |
| Youngstown-Warren, OH | 69 | $ 6,881,000 | $ 99,724 | $ 50,000 |
| Spokane, WA | 68 | $ 7,491,000 | $ 110,161 | $ 51,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 66 | $ 6,549,000 | $ 99,227 | $ 60,000 |
| Beaumont-Port Arthur, TX | 65 | $ 5,385,000 | $ 82,846 | $ 92,000 |
| Raleigh-Durham-Chapel Hill, NC | 65 | $ 10,700,000 | $ 164,615 | $ 90,000 |
| Jackson, MS | 64 | $ 5,087,000 | $ 79,484 | $ 62,000 |
| South Bend, IN | 63 | $ 5,617,000 | $ 89,158 | $ 51,000 |
| Erie, PA | 61 | $ 4,933,000 | $ 80,868 | $ 49,000 |
| Billings, MT | 59 | $ 5,655,000 | $ 95,847 | $ 54,000 |
| Tallahassee, FL | 59 | $ 5,849,000 | $ 99,135 | $ 70,000 |
| Little Rock-North Little Rock, AR | 58 | $ 5,514,000 | $ 95,068 | $ 87,000 |
| Stamford-Norwalk, CT | 57 | $ 19,934,000 | $ 349,719 | $ 112,000 |
| Amarillo, TX | 56 | $ 4,834,000 | $ 86,321 | $ 67,000 |
| Canton-Massillon, OH | 56 | $ 4,350,000 | $ 77,678 | $ 49,000 |
| Lancaster, PA | 55 | $ 7,953,000 | $ 144,600 | $ 60,000 |
| Roanoke, VA | 55 | $ 6,157,000 | $ 111,945 | $ 53,000 |
| Gary, IN | 54 | $ 4,801,000 | $ 88,907 | $ 62,000 |
| Greenville-Spartanburg-Anderson, SC | 54 | $ 4,783,000 | $ 88,574 | $ 49,000 |
| Ann Arbor, MI | 53 | $ 10,785,000 | $ 203,490 | $ 93,000 |
| New Orleans, LA | 52 | $ 5,991,000 | $ 115,211 | $ 91,000 |
| San Luis Obispo-Atascadero-Paso Robles, CA | 52 | $ 15,598,000 | $ 299,961 | $ 112,000 |
| Danbury, CT | 51 | $ 12,088,000 | $ 237,019 | $ 102,000 |
| Flint, MI | 51 | $ 4,399,000 | $ 86,254 | $ 63,000 |
| Fort Walton Beach, FL | 51 | $ 5,673,000 | $ 111,235 | $ 89,000 |
| York, PA | 51 | $ 6,349,000 | $ 124,490 | $ 75,000 |
| Des Moines, IA | 50 | $ 6,379,000 | $ 127,580 | $ 60,000 |
| Laredo, TX | 50 | $ 4,578,000 | $ 91,560 | $ 68,000 |
| Toledo, OH | 50 | $ 5,767,000 | $ 115,340 | $ 57,000 |
| Johnson City-Kingsport-Bristol, TN-VA | 49 | $ 4,384,000 | $ 89,469 | $ 48,000 |
| Buffalo-Niagara Falls, NY | 48 | $ 5,732,000 | $ 119,416 | $ 74,000 |
| New Bedford, MA | 48 | $ 8,201,000 | $ 170,854 | $ 67,000 |
| New London-Norwich, CT-RI | 48 | $ 7,166,000 | $ 149,291 | $ 69,000 |
| Galveston-Texas City, TX | 47 | $ 5,098,000 | $ 108,468 | $ 69,000 |
| Columbia, SC | 46 | $ 5,656,000 | $ 122,956 | $ 57,000 |
| Terre Haute, IN | 46 | $ 2,254,000 | $ 49,000 | $ 54,000 |
| Worcester, MA-CT | 46 | $ 8,743,000 | $ 190,065 | $ 87,000 |
| Gainesville, FL | 45 | $ 4,911,000 | $ 109,133 | $ 56,000 |
| Grand Junction, CO | 45 | $ 5,936,000 | $ 131,911 | $ 74,000 |
| Richland-Kennewick-Pasco, WA | 44 | $ 5,335,000 | $ 121,250 | $ 55,000 |
| Bremerton, WA | 43 | $ 7,287,000 | $ 169,465 | $ 58,000 |
| Flagstaff, AZ-UT | 42 | $ 7,156,000 | $ 170,380 | $ 88,000 |
| Kenosha, WI | 42 | $ 5,116,000 | $ 121,809 | $ 82,000 |
| Louisville, KY-IN | 41 | $ 3,827,000 | $ 93,341 | $ 40,000 |
| Birmingham, AL | 40 | $ 3,303,000 | $ 82,575 | $ 66,000 |
| Providence-Fall River-Warwick, RI-MA | 40 | $ 7,682,000 | $ 192,050 | $ 92,000 |
| Punta Gorda, FL | 40 | $ 3,764,000 | $ 94,100 | $ 62,000 |
| Yakima, WA | 40 | $ 5,031,000 | $ 125,775 | $ 68,000 |
| Brownsville-Harlingen-San Benito, TX | 38 | $ 3,463,000 | $ 91,131 | $ 95,000 |
| Newburgh, NY-PA | 35 | $ 6,742,000 | $ 192,628 | $ 86,000 |
| Lawrence, MA-NH | 34 | $ 7,614,000 | $ 223,941 | $ 72,000 |
| Biloxi-Gulfport-Pascagoula, MS | 33 | $ 2,381,000 | $ 72,151 | $ 39,000 |
| Kalamazoo-Battle Creek, MI | 33 | $ 3,522,000 | $ 106,727 | $ 62,000 |
| Baton Rouge, LA | 32 | $ 3,170,000 | $ 99,062 | $ 81,000 |
| Lowell, MA-NH | 32 | $ 6,491,000 | $ 202,843 | $ 66,000 |
| Medford-Ashland, OR | 30 | $ 5,134,000 | $ 171,133 | $ 86,000 |
| Mobile, AL | 30 | $ 4,094,000 | $ 136,466 | $ 54,000 |
| Santa Fe, NM | 30 | $ 6,979,000 | $ 232,633 | $ 72,000 |
| Yuma, AZ | 30 | $ 4,143,000 | $ 138,100 | $ 95,000 |
| Owensboro, KY | 29 | $ 2,237,000 | $ 77,137 | $ 42,000 |
| Racine, WI | 29 | $ 2,894,000 | $ 99,793 | $ 52,000 |
| Panama City, FL | 28 | $ 3,124,000 | $ 111,571 | $ 140,000 |
| Missoula, MT | 27 | $ 5,611,000 | $ 207,814 | $ 96,000 |
| Longview-Marshall, TX | 26 | $ 1,440,000 | $ 55,384 | $ 56,000 |
| Vineland-Millville-Bridgeton, NJ | 26 | $ 2,336,000 | $ 89,846 | $ 48,000 |
| Boise City, ID | 25 | $ 2,307,000 | $ 92,280 | $ 68,000 |
| Hickory-Morganton-Lenoir, NC | 25 | $ 2,208,000 | $ 88,320 | $ 54,000 |
| Pine Bluff, AR | 25 | $ 1,744,000 | $ 69,760 | $ 62,000 |
| Springfield, MO | 25 | $ 2,614,000 | $ 104,560 | $ 79,000 |
| Killeen-Temple, TX | 24 | $ 2,101,000 | $ 87,541 | $ 81,000 |
| Lynchburg, VA | 24 | $ 5,912,000 | $ 246,333 | $ 63,000 |
| Lafayette, IN | 23 | $ 2,068,000 | $ 89,913 | $ 44,000 |
| Mansfield, OH | 23 | $ 1,805,000 | $ 78,478 | $ 62,000 |
| Wilmington-Newark, DE-MD | 23 | $ 2,630,000 | $ 114,347 | $ 66,000 |
| Barnstable-Yarmouth, MA | 22 | $ 4,903,000 | $ 222,863 | $ 140,000 |
| Greenville, NC | 22 | $ 1,751,000 | $ 79,590 | $ 52,000 |
| Corpus Christi, TX | 21 | $ 2,133,000 | $ 101,571 | $ 69,000 |
| Fayetteville, NC | 21 | $ 1,451,000 | $ 69,095 | $ 46,000 |
| Hamilton-Middletown, OH | 21 | $ 2,997,000 | $ 142,714 | $ 65,000 |
| Lubbock, TX | 21 | $ 2,404,000 | $ 114,476 | $ 113,000 |
| McAllen-Edinburg-Mission, TX | 21 | $ 3,120,000 | $ 148,571 | $ 188,000 |
| Charleston, WV | 20 | $ 1,393,000 | $ 69,650 | $ 39,000 |
| Lansing-East Lansing, MI | 20 | $ 2,699,000 | $ 134,950 | $ 86,000 |
| Albany-Schenectady-Troy, NY | 19 | $ 1,988,000 | $ 104,631 | $ 107,000 |
| Champaign-Urbana, IL | 19 | $ 1,674,000 | $ 88,105 | $ 70,000 |
| Fayetteville-Springdale-Rogers, AR | 18 | $ 1,675,000 | $ 93,055 | $ 58,000 |
| Joplin, MO | 18 | $ 1,602,000 | $ 89,000 | $ 63,000 |
| Omaha, NE-IA | 18 | $ 1,670,000 | $ 92,777 | $ 61,000 |
| Rochester, NY | 18 | $ 1,812,000 | $ 100,666 | $ 65,000 |
| Saginaw-Bay City-Midland, MI | 18 | $ 1,946,000 | $ 108,111 | $ 174,000 |
| Wichita, KS | 18 | $ 1,639,000 | $ 91,055 | $ 75,000 |
| Dutchess County, NY | 17 | $ 4,648,000 | $ 273,411 | $ 131,000 |
| Elkhart-Goshen, IN | 17 | $ 1,723,000 | $ 101,352 | $ 47,000 |
| Fitchburg-Leominster, MA | 17 | $ 2,367,000 | $ 139,235 | $ 56,000 |
| Madison, WI | 17 | $ 3,703,000 | $ 217,823 | $ 162,000 |
| Decatur, IL | 16 | $ 848,000 | $ 53,000 | $ 49,000 |
| Muncie, IN | 16 | $ 907,000 | $ 56,687 | $ 40,000 |
| Rocky Mount, NC | 16 | $ 1,306,000 | $ 81,625 | $ 48,000 |
| Jackson, TN | 15 | $ 861,000 | $ 57,400 | $ 29,000 |
| Lafayette, LA | 15 | $ 1,051,000 | $ 70,066 | $ 83,000 |
| Las Cruces, NM | 15 | $ 1,607,000 | $ 107,133 | $ 57,000 |
| Macon, GA | 15 | $ 1,032,000 | $ 68,800 | $ 50,000 |
| Montgomery, AL | 15 | $ 1,289,000 | $ 85,933 | $ 50,000 |
| Bellingham, WA | 14 | $ 2,699,000 | $ 192,785 | $ 82,000 |
| Syracuse, NY | 14 | $ 1,489,000 | $ 106,357 | $ 56,000 |
| Enid, OK | 13 | $ 935,000 | $ 71,923 | $ 82,000 |
| Hagerstown, MD | 13 | $ 3,428,000 | $ 263,692 | $ 64,000 |
| Shreveport-Bossier City, LA | 13 | $ 1,227,000 | $ 94,384 | $ 65,000 |
| Williamsport, PA | 13 | $ 1,499,000 | $ 115,307 | $ 84,000 |
| Lawton, OK | 12 | $ 1,040,000 | $ 86,666 | $ 40,000 |
| Sumter, SC | 12 | $ 767,000 | $ 63,916 | $ 32,000 |
| Asheville, NC | 11 | $ 2,124,000 | $ 193,090 | $ 88,000 |
| Charlottesville, VA | 11 | $ 2,457,000 | $ 223,363 | $ 151,000 |
| Green Bay, WI | 11 | $ 1,333,000 | $ 121,181 | $ 52,000 |
| Jackson, MI | 11 | $ 919,000 | $ 83,545 | $ 71,000 |
| Kankakee, IL | 11 | $ 1,441,000 | $ 131,000 | $ 55,000 |
| Kokomo, IN | 11 | $ 2,277,000 | $ 207,000 | $ 67,000 |
| Lexington, KY | 11 | $ 1,097,000 | $ 99,727 | $ 63,000 |
| Manchester, NH | 11 | $ 2,190,000 | $ 199,090 | $ 88,000 |
| Portsmouth-Rochester, NH-ME | 11 | $ 2,447,000 | $ 222,454 | $ 88,000 |
| Tyler, TX | 11 | $ 1,295,000 | $ 117,727 | $ 41,000 |
| Albany, GA | 10 | $ 1,417,000 | $ 141,700 | $ 49,000 |
| Cumberland, MD-WV | 10 | $ 651,000 | $ 65,100 | $ 51,000 |
| Dothan, AL | 10 | $ 1,373,000 | $ 137,300 | $ 102,000 |
| Lima, OH | 10 | $ 661,000 | $ 66,100 | $ 36,000 |
| Casper, WY | 9 | $ 673,000 | $ 74,777 | $ 59,000 |
| Cheyenne, WY | 9 | $ 907,000 | $ 100,777 | $ 74,000 |
| Great Falls, MT | 9 | $ 528,000 | $ 58,666 | $ 39,000 |
| Myrtle Beach, SC | 9 | $ 1,348,000 | $ 149,777 | $ 56,000 |
| Nashua, NH | 9 | $ 1,763,000 | $ 195,888 | $ 67,000 |
| Pittsfield, MA | 9 | $ 1,070,000 | $ 118,888 | $ 66,000 |
| Steubenville-Weirton, OH-WV | 9 | $ 523,000 | $ 58,111 | $ 81,000 |
| Anniston, AL | 8 | $ 574,000 | $ 71,750 | $ 42,000 |
| Augusta-Aiken, GA-SC | 8 | $ 825,000 | $ 103,125 | $ 77,000 |
| Clarksville-Hopkinsville, TN-KY | 8 | $ 740,000 | $ 92,500 | $ 49,000 |
| Duluth-Superior, MN-WI | 8 | $ 875,000 | $ 109,375 | $ 58,000 |
| Pocatello, ID | 8 | $ 595,000 | $ 74,375 | $ 42,000 |
| Savannah, GA | 8 | $ 979,000 | $ 122,375 | $ 45,000 |
| Wilmington, NC | 8 | $ 1,438,000 | $ 179,750 | $ 263,000 |
| Appleton-Oshkosh-Neenah, WI | 7 | $ 561,000 | $ 80,142 | $ 82,000 |
| Bloomington, IN | 7 | $ 664,000 | $ 94,857 | $ 62,000 |
| Danville, VA | 7 | $ 532,000 | $ 76,000 | $ 30,000 |
| Huntsville, AL | 7 | $ 1,251,000 | $ 178,714 | $ 65,000 |
| Cedar Rapids, IA | 6 | $ 635,000 | $ 105,833 | $ 54,000 |
| Dover, DE | 6 | $ 449,000 | $ 74,833 | $ 50,000 |
| Florence, SC | 6 | $ 613,000 | $ 102,166 | $ 59,000 |
| Huntington-Ashland, WV-KY-OH | 6 | $ 364,000 | $ 60,666 | $ 53,000 |
| Janesville-Beloit, WI | 6 | $ 366,000 | $ 61,000 | $ 77,000 |
| Johnstown, PA | 6 | $ 535,000 | $ 89,166 | $ 63,000 |
| Lewiston-Auburn, ME | 6 | $ 753,000 | $ 125,500 | $ 68,000 |
| Odessa-Midland, TX | 6 | $ 444,000 | $ 74,000 | $ 180,000 |
| Portland, ME | 6 | $ 1,352,000 | $ 225,333 | $ 81,000 |
| Sherman-Denison, TX | 6 | $ 1,238,000 | $ 206,333 | $ 81,000 |
| Sioux City, IA-NE | 6 | $ 336,000 | $ 56,000 | $ 51,000 |
| State College, PA | 6 | $ 859,000 | $ 143,166 | $ 96,000 |
| Tuscaloosa, AL | 6 | $ 591,000 | $ 98,500 | $ 52,000 |
| Auburn-Opelika, AL | 5 | $ 918,000 | $ 183,600 | $ 97,000 |
| Bloomington-Normal, IL | 5 | $ 591,000 | $ 118,200 | $ 85,000 |
| Bryan-College Station, TX | 5 | $ 512,000 | $ 102,400 | $ 89,000 |
| Columbia, MO | 5 | $ 743,000 | $ 148,600 | $ 54,000 |
| Columbus, GA-AL | 5 | $ 592,000 | $ 118,400 | $ 30,000 |
| Corvallis, OR | 5 | $ 756,000 | $ 151,200 | $ 147,000 |
| Davenport-Moline-Rock Island, IA-IL | 5 | $ 508,000 | $ 101,600 | $ 77,000 |
| Decatur, AL | 5 | $ 599,000 | $ 119,800 | $ 85,000 |
| Eau Claire, WI | 5 | $ 418,000 | $ 83,600 | $ 57,000 |
| Fort Smith, AR-OK | 5 | $ 336,000 | $ 67,200 | $ 67,000 |
| Iowa City, IA | 5 | $ 1,013,000 | $ 202,600 | $ 211,000 |
| Lincoln, NE | 5 | $ 550,000 | $ 110,000 | $ 86,000 |
| Waco, TX | 5 | $ 554,000 | $ 110,800 | $ 93,000 |
| Waterloo-Cedar Falls, IA | 5 | $ 361,000 | $ 72,200 | $ 39,000 |
| Benton Harbor, MI | 4 | $ 392,000 | $ 98,000 | $ 44,000 |
| Goldsboro, NC | 4 | $ 192,000 | $ 48,000 | $ 35,000 |
| Monroe, LA | 4 | $ 255,000 | $ 63,750 | $ 28,000 |
| Rochester, MN | 4 | $ 486,000 | $ 121,500 | $ 69,000 |
| San Angelo, TX | 4 | $ 401,000 | $ 100,250 | $ 64,000 |
| Sheboygan, WI | 4 | $ 798,000 | $ 199,500 | $ 88,000 |
| St. Cloud, MN | 4 | $ 347,000 | $ 86,750 | $ 50,000 |
| Texarkana, TX-AR | 4 | $ 391,000 | $ 97,750 | $ 55,000 |
| Topeka, KS | 4 | $ 371,000 | $ 92,750 | $ 67,000 |
| Utica-Rome, NY | 4 | $ 404,000 | $ 101,000 | $ 59,000 |
| Altoona, PA | 3 | $ 398,000 | $ 132,666 | $ 57,000 |
| Dubuque, IA | 3 | $ 182,000 | $ 60,666 | $ 65,000 |
| Glens Falls, NY | 3 | $ 369,000 | $ 123,000 | $ 93,000 |
| Hattiesburg, MS | 3 | $ 395,000 | $ 131,666 | $ 56,000 |
| Lake Charles, LA | 3 | $ 147,000 | $ 49,000 | $ 47,000 |
| Lawrence, KS | 3 | $ 344,000 | $ 114,666 | $ 63,000 |
| Sharon, PA | 3 | $ 290,000 | $ 96,666 | $ 87,000 |
| St. Joseph, MO | 3 | $ 135,000 | $ 45,000 | $ 35,000 |
| Wheeling, WV-OH | 3 | $ 194,000 | $ 64,666 | $ 42,000 |
| Abilene, TX | 2 | $ 127,000 | $ 63,500 | $ 48,000 |
| Alexandria, LA | 2 | $ 147,000 | $ 73,500 | $ 35,000 |
| Houma, LA | 2 | $ 106,000 | $ 53,000 | $ 47,000 |
| La Crosse, WI-MN | 2 | $ 214,000 | $ 107,000 | $ 49,000 |
| Wausau, WI | 2 | $ 127,000 | $ 63,500 | $ 43,000 |
| Wichita Falls, TX | 2 | $ 111,000 | $ 55,500 | $ 159,000 |
| Binghamton, NY | 1 | $ 105,000 | $ 105,000 | $ 60,000 |
| Fargo-Moorhead, ND-MN | 1 | $ 117,000 | $ 117,000 | $ 36,000 |
| Florence, AL | 1 | $ 67,000 | $ 67,000 | $ 77,000 |
| Jacksonville, NC | 1 | $ 74,000 | $ 74,000 | $ 55,000 |
| Jamestown, NY | 1 | $ 46,000 | $ 46,000 | $ 102,000 |
| Jonesboro, AR | 1 | $ 56,000 | $ 56,000 | $ 34,000 |
| Victoria, TX | 1 | $ 51,000 | $ 51,000 | $ 43,000 |
Mortgage Loan Application Detail Totals for Finance America, 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) | 44,049 | $7,792,225,000 | $151,448 | $3,500,000 | $76,714 | $6,000,000 |
| Home Purchase (one-to-four family) | 23,163 | $3,678,331,000 | $130,240 | $2,100,000 | $68,920 | $5,952,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 9 | $1,519,000 | $173,000 | $441,000 | $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 |
|---|---|---|---|---|---|---|
| Information not provided by applicant in mail or telephone application | 27,591 | $4,617,801,000 | $159,836 | $3,500,000 | $72,285 | $4,200,000 |
| White | 19,211 | $3,385,182,000 | $152,460 | $2,800,000 | $80,160 | $3,192,000 |
| Black | 7,947 | $1,070,423,000 | $116,214 | $1,000,000 | $60,547 | $1,908,000 |
| Hispanic | 7,820 | $1,326,399,000 | $133,750 | $1,400,000 | $64,431 | $6,000,000 |
| Asian or Pacific Islander | 2,180 | $552,443,000 | $168,694 | $2,300,000 | $79,972 | $1,800,000 |
| Not applicable | 1,925 | $406,791,000 | $152,904 | $2,438,000 | $76,285 | $4,800,000 |
| Other | 547 | $113,036,000 | $170,090 | $1,300,000 | $86,969 | $2,400,000 |
| American Indian or Alaskan Native | 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) | 67,221 | $11,472,075,000 | $143,800 | $3,500,000 | $73,760 | $6,000,000 |
| 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 | 44,242 | $7,427,621,000 | $143,469 | $3,500,000 | $75,469 | $6,000,000 |
| Loan Originated | 20,860 | $3,713,012,000 | $142,395 | $1,238,000 | $70,312 | $4,662,000 |
| Application Withdrawn By Applicant | 1,194 | $188,108,000 | $151,275 | $1,300,000 | $83,775 | $1,656,000 |
| Loan Purchased By The Institution | 563 | $77,190,000 | $191,480 | $650,000 | $86,520 | $428,000 |
| Application Approved But Not Accepted | 362 | $66,144,000 | $161,297 | $1,000,000 | $80,594 | $872,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit Application Incomplete | 22,800 | $3,942,602,000 | $145,714 | $3,500,000 | $76,020 | $5,952,000 |
| Other | 7,801 | $1,258,294,000 | $136,937 | $2,057,000 | $73,958 | $6,000,000 |
| Collateral | 4,955 | $766,932,000 | $161,520 | $2,625,000 | $81,687 | $2,400,000 |
| Credit History | 4,788 | $756,087,000 | $136,541 | $2,300,000 | $72,125 | $2,280,000 |
| Debt-To-Income Ratio | 1,567 | $255,533,000 | $142,500 | $2,438,000 | $67,142 | $1,405,000 |
| Unverifiable Information | 1,217 | $255,091,000 | $172,000 | $2,600,000 | $98,302 | $2,876,000 |
| Employment History | 769 | $135,581,000 | $140,102 | $2,500,000 | $70,794 | $1,536,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 343 | $56,997,000 | $135,083 | $767,000 | $65,083 | $364,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Finance America, 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 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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