Finance America Mortgage Lending & HMDA Data, 2005

In 2005, Finance America of New York, NY reported 120,601 mortgage applications totaling $20.4 billion. The average application was for $168,957, and applicants reported an average income of $80,704. 43% of its applications resulted in an originated loan and 55% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (10,145), Chicago-Naperville-Joliet, IL (7,748) and Riverside-San Bernardino-Ontario, CA (4,044) (applications in parentheses).

Mortgage Company & Address Finance America
745 Seventh Avenue, 24th Floor
New York, NY 10019
Tel #: available with data download
Federal Regulator * available with data download
Years 2005  
Total Number of Mortgage Applications 120,601
Total Mortgage Loan Application Amount $20,376,500,000
Average Mortgage Loan Application Amount $168,957
Highest Mortgage Loan Application Amount $7,290,000
Average Applicant Income $80,704
Highest Applicant Income $9,037,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Finance America filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 by County in 2005

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Maricopa, Arizona 9,477 $ 1,467,738,000 $ 154,873 $ 76,000
Cook, Illinois 5,573 $ 960,583,000 $ 172,363 $ 87,000
Los Angeles, California 3,727 $ 1,123,362,000 $ 301,411 $ 123,000
Harris, Texas 2,597 $ 270,450,000 $ 104,139 $ 82,000
Wayne, Michigan 2,514 $ 209,475,000 $ 83,323 $ 65,000
Riverside, California 2,201 $ 543,805,000 $ 247,071 $ 111,000
Miami-Dade, Florida 2,162 $ 340,783,000 $ 157,623 $ 96,000
San Bernardino, California 1,843 $ 395,372,000 $ 214,526 $ 102,000
Broward, Florida 1,754 $ 313,954,000 $ 178,993 $ 91,000
Santa Clara, California 1,516 $ 557,961,000 $ 368,048 $ 140,000
Sacramento, California 1,420 $ 336,344,000 $ 236,861 $ 113,000
San Diego, California 1,362 $ 456,878,000 $ 335,446 $ 134,000
Clark, Nevada 1,327 $ 268,997,000 $ 202,710 $ 90,000
Alameda, California 1,170 $ 405,030,000 $ 346,179 $ 129,000
Jackson, Missouri 1,144 $ 93,371,000 $ 81,618 $ 56,000
Orange, California 1,093 $ 387,960,000 $ 354,949 $ 151,000
Dallas, Texas 1,091 $ 116,018,000 $ 106,340 $ 81,000
Cuyahoga, Ohio 1,020 $ 96,964,000 $ 95,062 $ 66,000
St. Louis, Missouri 977 $ 91,719,000 $ 93,878 $ 54,000
Fulton, Georgia 959 $ 162,086,000 $ 169,015 $ 113,000
Contra Costa, California 956 $ 297,910,000 $ 311,621 $ 126,000
Tarrant, Texas 912 $ 94,964,000 $ 104,127 $ 76,000
Salt Lake, Utah 900 $ 119,491,000 $ 132,767 $ 77,000
Prince George's, Maryland 875 $ 193,267,000 $ 220,876 $ 87,000
Denver, Colorado 866 $ 117,457,000 $ 135,631 $ 66,000
Philadelphia, Pennsylvania 834 $ 74,713,000 $ 89,583 $ 60,000
Arapahoe, Colorado 790 $ 119,631,000 $ 151,431 $ 91,000
Palm Beach, Florida 741 $ 149,461,000 $ 201,701 $ 112,000
Will, Illinois 730 $ 122,397,000 $ 167,667 $ 82,000
San Joaquin, California 705 $ 190,450,000 $ 270,141 $ 101,000
Stanislaus, California 681 $ 147,448,000 $ 216,516 $ 104,000
Pinal, Arizona 668 $ 90,833,000 $ 135,977 $ 79,000
Jefferson, Alabama 633 $ 47,696,000 $ 75,349 $ 56,000
Adams, Colorado 626 $ 81,822,000 $ 130,706 $ 67,000
Honolulu, Hawaii 613 $ 194,542,000 $ 317,360 $ 110,000
Hinds, Mississippi 611 $ 43,090,000 $ 70,523 $ 56,000
DuPage, Illinois 608 $ 127,327,000 $ 209,419 $ 88,000
Pima, Arizona 603 $ 81,618,000 $ 135,353 $ 69,000
Oakland, Michigan 594 $ 102,609,000 $ 172,742 $ 81,000
San Mateo, California 585 $ 243,483,000 $ 416,210 $ 144,000
District of Columbia, District Of Columbia 577 $ 137,736,000 $ 238,710 $ 129,000
Orange, Florida 542 $ 82,226,000 $ 151,708 $ 81,000
DeKalb, Georgia 532 $ 72,239,000 $ 135,787 $ 73,000
St. Louis City, Missouri 531 $ 40,558,000 $ 76,380 $ 53,000
Hennepin, Minnesota 529 $ 117,504,000 $ 222,124 $ 83,000
Kern, California 498 $ 82,263,000 $ 165,186 $ 85,000
Solano, California 480 $ 137,562,000 $ 286,587 $ 115,000
Lake, Illinois 480 $ 92,868,000 $ 193,475 $ 81,000
King, Washington 444 $ 95,672,000 $ 215,477 $ 88,000
Duval, Florida 433 $ 41,459,000 $ 95,748 $ 76,000
Franklin, Ohio 432 $ 42,058,000 $ 97,356 $ 64,000
Allegheny, Pennsylvania 430 $ 37,675,000 $ 87,616 $ 53,000
Hillsborough, Florida 424 $ 56,337,000 $ 132,870 $ 86,000
Kane, Illinois 408 $ 67,955,000 $ 166,556 $ 79,000
Fort Bend, Texas 407 $ 51,618,000 $ 126,825 $ 92,000
Fresno, California 406 $ 69,956,000 $ 172,305 $ 86,000
Multnomah, Oregon 402 $ 57,072,000 $ 141,970 $ 71,000
Milwaukee, Wisconsin 402 $ 38,078,000 $ 94,721 $ 55,000
St. Lucie, Florida 398 $ 63,413,000 $ 159,329 $ 86,000
Jefferson, Colorado 395 $ 66,103,000 $ 167,349 $ 87,000
Marion, Indiana 385 $ 30,022,000 $ 77,979 $ 73,000
Weld, Colorado 384 $ 50,711,000 $ 132,059 $ 65,000
Baltimore City, Maryland 378 $ 32,721,000 $ 86,563 $ 71,000
El Paso, Colorado 377 $ 50,391,000 $ 133,663 $ 71,000
Pierce, Washington 376 $ 57,451,000 $ 152,795 $ 71,000
Macomb, Michigan 362 $ 50,902,000 $ 140,613 $ 70,000
Monterey, California 351 $ 121,563,000 $ 346,333 $ 133,000
Sonoma, California 348 $ 112,002,000 $ 321,844 $ 144,000
Utah, Utah 346 $ 48,182,000 $ 139,254 $ 73,000
Bexar, Texas 322 $ 32,311,000 $ 100,344 $ 61,000
Hamilton, Ohio 312 $ 32,164,000 $ 103,089 $ 70,000
Genesee, Michigan 306 $ 24,966,000 $ 81,588 $ 66,000
Fairfield, Connecticut 301 $ 88,242,000 $ 293,162 $ 98,000
Montgomery, Texas 298 $ 38,322,000 $ 128,597 $ 88,000
Winnebago, Illinois 297 $ 23,641,000 $ 79,599 $ 48,000
Lee, Florida 296 $ 46,126,000 $ 155,831 $ 84,000
Ventura, California 290 $ 95,216,000 $ 328,331 $ 126,000
Weber, Utah 274 $ 25,914,000 $ 94,576 $ 54,000
Merced, California 273 $ 63,035,000 $ 230,897 $ 108,000
Travis, Texas 270 $ 37,828,000 $ 140,103 $ 90,000
Queens, New York 265 $ 124,178,000 $ 468,596 $ 137,000
Pinellas, Florida 260 $ 34,597,000 $ 133,065 $ 80,000
McHenry, Illinois 257 $ 46,636,000 $ 181,463 $ 82,000
New Haven, Connecticut 254 $ 41,523,000 $ 163,476 $ 86,000
Lake, Indiana 254 $ 22,354,000 $ 88,007 $ 60,000
Suffolk, Massachusetts 254 $ 80,929,000 $ 318,618 $ 111,000
Gwinnett, Georgia 253 $ 36,572,000 $ 144,553 $ 74,000
Shelby, Tennessee 249 $ 22,645,000 $ 90,943 $ 83,000
Clayton, Georgia 246 $ 25,612,000 $ 104,113 $ 67,000
Ramsey, Minnesota 246 $ 45,074,000 $ 183,227 $ 64,000
Essex, New Jersey 245 $ 55,502,000 $ 226,538 $ 98,000
Oklahoma, Oklahoma 244 $ 17,594,000 $ 72,106 $ 63,000
Snohomish, Washington 235 $ 44,611,000 $ 189,834 $ 91,000
Douglas, Colorado 234 $ 48,750,000 $ 208,333 $ 113,000
Montgomery, Maryland 233 $ 67,957,000 $ 291,660 $ 102,000
Baltimore, Maryland 231 $ 38,281,000 $ 165,718 $ 88,000
East Baton Rouge, Louisiana 219 $ 18,867,000 $ 86,150 $ 57,000
Montgomery, Alabama 217 $ 17,863,000 $ 82,317 $ 49,000
Davis, Utah 213 $ 24,331,000 $ 114,230 $ 61,000
Bernalillo, New Mexico 212 $ 26,962,000 $ 127,179 $ 81,000
Bibb, Georgia 211 $ 14,298,000 $ 67,763 $ 47,000
Summit, Ohio 211 $ 19,270,000 $ 91,327 $ 68,000
Hartford, Connecticut 209 $ 30,034,000 $ 143,703 $ 60,000
Clackamas, Oregon 209 $ 34,599,000 $ 165,545 $ 76,000
Fairfax, Virginia 203 $ 61,265,000 $ 301,798 $ 115,000
Hawaii, Hawaii 201 $ 45,437,000 $ 226,054 $ 92,000
Camden, New Jersey 198 $ 25,234,000 $ 127,444 $ 70,000
Denton, Texas 198 $ 24,381,000 $ 123,136 $ 74,000
Brevard, Florida 197 $ 29,589,000 $ 150,197 $ 86,000
Tulsa, Oklahoma 196 $ 16,567,000 $ 84,525 $ 57,000
Larimer, Colorado 192 $ 30,245,000 $ 157,526 $ 75,000
Osceola, Florida 192 $ 28,617,000 $ 149,046 $ 71,000
Collin, Texas 191 $ 29,951,000 $ 156,811 $ 85,000
Kings, New York 189 $ 85,265,000 $ 451,137 $ 131,000
Prince William, Virginia 185 $ 46,143,000 $ 249,421 $ 94,000
Placer, California 183 $ 60,588,000 $ 331,081 $ 166,000
Tulare, California 183 $ 26,919,000 $ 147,098 $ 69,000
Washoe, Nevada 183 $ 40,220,000 $ 219,781 $ 80,000
Providence, Rhode Island 182 $ 34,883,000 $ 191,664 $ 76,000
Clark, Washington 181 $ 27,613,000 $ 152,558 $ 85,000
Spokane, Washington 180 $ 20,956,000 $ 116,422 $ 54,000
Jefferson, Kentucky 177 $ 15,656,000 $ 88,451 $ 57,000
Ocean, New Jersey 177 $ 39,082,000 $ 220,802 $ 93,000
Virginia Beach, Virginia 174 $ 27,518,000 $ 158,149 $ 61,000
Polk, Florida 173 $ 21,079,000 $ 121,843 $ 74,000
Cobb, Georgia 171 $ 25,883,000 $ 151,362 $ 76,000
Wyandotte, Kansas 170 $ 13,462,000 $ 79,188 $ 49,000
Volusia, Florida 167 $ 21,862,000 $ 130,910 $ 89,000
Stark, Ohio 166 $ 13,628,000 $ 82,096 $ 42,000
San Francisco, California 165 $ 74,318,000 $ 450,412 $ 164,000
Middlesex, New Jersey 164 $ 35,913,000 $ 218,981 $ 91,000
Brazoria, Texas 159 $ 16,729,000 $ 105,213 $ 84,000
Washington, Oregon 158 $ 25,863,000 $ 163,689 $ 77,000
Montgomery, Pennsylvania 158 $ 36,983,000 $ 234,069 $ 99,000
Orleans, Louisiana 157 $ 17,868,000 $ 113,808 $ 67,000
Pulaski, Arkansas 156 $ 13,326,000 $ 85,423 $ 59,000
Boulder, Colorado 154 $ 27,565,000 $ 178,993 $ 84,000
Lucas, Ohio 153 $ 13,337,000 $ 87,169 $ 77,000
Passaic, New Jersey 149 $ 40,171,000 $ 269,604 $ 94,000
Union, New Jersey 149 $ 36,848,000 $ 247,302 $ 99,000
Hidalgo, Texas 149 $ 12,859,000 $ 86,302 $ 74,000
Marion, Oregon 147 $ 18,406,000 $ 125,210 $ 67,000
Pueblo, Colorado 146 $ 14,659,000 $ 100,404 $ 52,000
Montgomery, Ohio 146 $ 19,505,000 $ 133,595 $ 59,000
Galveston, Texas 146 $ 14,630,000 $ 100,205 $ 89,000
Delaware, Pennsylvania 145 $ 17,999,000 $ 124,131 $ 68,000
Kent, Michigan 143 $ 16,608,000 $ 116,139 $ 60,000
Mecklenburg, North Carolina 143 $ 14,204,000 $ 99,328 $ 60,000
Thurston, Washington 143 $ 19,535,000 $ 136,608 $ 69,000
Ada, Idaho 142 $ 20,041,000 $ 141,133 $ 68,000
Dakota, Minnesota 142 $ 33,358,000 $ 234,915 $ 70,000
Lane, Oregon 142 $ 19,054,000 $ 134,183 $ 59,000
Seminole, Florida 141 $ 25,325,000 $ 179,609 $ 88,000
St. Joseph, Indiana 141 $ 12,103,000 $ 85,836 $ 75,000
Buchanan, Missouri 141 $ 10,605,000 $ 75,212 $ 63,000
Wake, North Carolina 141 $ 17,267,000 $ 122,460 $ 86,000
Newport News, Virginia 140 $ 13,501,000 $ 96,435 $ 64,000
Anne Arundel, Maryland 139 $ 32,175,000 $ 231,474 $ 101,000
Yavapai, Arizona 137 $ 23,773,000 $ 173,525 $ 70,000
Burlington, New Jersey 137 $ 21,870,000 $ 159,635 $ 87,000
Santa Cruz, California 136 $ 56,087,000 $ 412,404 $ 156,000
Mercer, New Jersey 135 $ 22,297,000 $ 165,162 $ 97,000
Monmouth, New Jersey 135 $ 37,314,000 $ 276,400 $ 106,000
Dauphin, Pennsylvania 135 $ 9,952,000 $ 73,718 $ 64,000
Westchester, New York 134 $ 60,231,000 $ 449,485 $ 179,000
Bucks, Pennsylvania 134 $ 31,144,000 $ 232,417 $ 90,000
Allen, Indiana 132 $ 8,458,000 $ 64,075 $ 46,000
Mohave, Arizona 131 $ 19,204,000 $ 146,595 $ 70,000
Middlesex, Massachusetts 131 $ 39,552,000 $ 301,923 $ 107,000
Plymouth, Massachusetts 131 $ 29,561,000 $ 225,656 $ 89,000
Lehigh, Pennsylvania 131 $ 14,571,000 $ 111,229 $ 68,000
Suffolk, New York 130 $ 45,244,000 $ 348,030 $ 118,000
Anoka, Minnesota 128 $ 28,544,000 $ 223,000 $ 94,000
Bergen, New Jersey 128 $ 41,169,000 $ 321,632 $ 117,000
Hudson, New Jersey 126 $ 33,218,000 $ 263,634 $ 112,000
Collier, Florida 125 $ 26,418,000 $ 211,344 $ 80,000
Jefferson, Louisiana 125 $ 12,628,000 $ 101,024 $ 62,000
Atlantic, New Jersey 124 $ 21,045,000 $ 169,717 $ 81,000
Luzerne, Pennsylvania 123 $ 9,965,000 $ 81,016 $ 52,000
Chesterfield, Virginia 123 $ 16,553,000 $ 134,577 $ 61,000
Clay, Missouri 122 $ 12,609,000 $ 103,352 $ 58,000
New Castle, Delaware 119 $ 15,579,000 $ 130,915 $ 68,000
Sarasota, Florida 119 $ 19,222,000 $ 161,529 $ 70,000
El Paso, Texas 119 $ 9,507,000 $ 79,890 $ 60,000
Madison, Alabama 116 $ 11,197,000 $ 96,525 $ 50,000
St. Charles, Missouri 113 $ 17,091,000 $ 151,247 $ 69,000
Williamson, Texas 113 $ 12,966,000 $ 114,743 $ 81,000
Chesapeake, Virginia 112 $ 20,337,000 $ 181,580 $ 78,000
Saginaw, Michigan 111 $ 7,590,000 $ 68,378 $ 68,000
Polk, Iowa 109 $ 8,021,000 $ 73,587 $ 49,000
Henry, Georgia 108 $ 17,054,000 $ 157,907 $ 93,000
Norfolk, Virginia 107 $ 11,510,000 $ 107,570 $ 84,000
Nassau, New York 106 $ 41,228,000 $ 388,943 $ 135,000
Butler, Ohio 104 $ 12,953,000 $ 124,548 $ 95,000
Westmoreland, Pennsylvania 104 $ 10,156,000 $ 97,653 $ 54,000
Webb, Texas 104 $ 10,022,000 $ 96,365 $ 60,000
Hamilton, Tennessee 103 $ 10,636,000 $ 103,262 $ 59,000
St. Tammany, Louisiana 102 $ 13,604,000 $ 133,372 $ 83,000
Berks, Pennsylvania 102 $ 13,138,000 $ 128,803 $ 65,000
Hampton, Virginia 102 $ 11,148,000 $ 109,294 $ 57,000
Mobile, Alabama 101 $ 6,861,000 $ 67,930 $ 49,000
Maui, Hawaii 101 $ 35,524,000 $ 351,722 $ 138,000
Canyon, Idaho 99 $ 9,789,000 $ 98,878 $ 50,000
Jefferson, Missouri 99 $ 11,205,000 $ 113,181 $ 59,000
Sedgwick, Kansas 98 $ 6,722,000 $ 68,591 $ 50,000
Bronx, New York 97 $ 36,291,000 $ 374,134 $ 112,000
Johnson, Kansas 95 $ 17,400,000 $ 183,157 $ 87,000
Lorain, Ohio 95 $ 10,222,000 $ 107,600 $ 60,000
San Benito, California 94 $ 35,570,000 $ 378,404 $ 121,000
Richmond City, Virginia 94 $ 8,634,000 $ 91,851 $ 62,000
Pasco, Florida 93 $ 13,131,000 $ 141,193 $ 71,000
Gloucester, New Jersey 91 $ 16,319,000 $ 179,329 $ 87,000
Manatee, Florida 90 $ 15,256,000 $ 169,511 $ 174,000
Yolo, California 89 $ 20,284,000 $ 227,910 $ 121,000
El Dorado, California 88 $ 26,193,000 $ 297,647 $ 119,000
Imperial, California 88 $ 14,751,000 $ 167,625 $ 81,000
Madera, California 88 $ 17,494,000 $ 198,795 $ 78,000
Yuma, Arizona 86 $ 10,550,000 $ 122,674 $ 72,000
St. Clair, Michigan 85 $ 11,243,000 $ 132,270 $ 54,000
York, Pennsylvania 85 $ 11,012,000 $ 129,552 $ 54,000
Lackawanna, Pennsylvania 84 $ 7,996,000 $ 95,190 $ 84,000
Mesa, Colorado 82 $ 9,340,000 $ 113,902 $ 66,000
Washington, Minnesota 82 $ 22,576,000 $ 275,317 $ 85,000
Napa, California 81 $ 30,971,000 $ 382,358 $ 193,000
Lake, Florida 81 $ 17,347,000 $ 214,160 $ 114,000
Washington, Oklahoma 81 $ 4,967,000 $ 61,320 $ 135,000
Henrico, Virginia 81 $ 10,421,000 $ 128,654 $ 65,000
Marin, California 80 $ 33,214,000 $ 415,175 $ 166,000
Charles, Maryland 80 $ 17,837,000 $ 222,962 $ 88,000
Erie, Pennsylvania 80 $ 5,838,000 $ 72,975 $ 82,000
Kendall, Illinois 79 $ 14,019,000 $ 177,455 $ 73,000
St. Clair, Illinois 79 $ 6,255,000 $ 79,177 $ 48,000
Caddo, Louisiana 79 $ 5,307,000 $ 67,177 $ 49,000
Hampden, Massachusetts 79 $ 11,552,000 $ 146,227 $ 65,000
Santa Barbara, California 78 $ 27,175,000 $ 348,397 $ 102,000
Marion, Florida 78 $ 12,946,000 $ 165,974 $ 73,000
Escambia, Florida 76 $ 6,512,000 $ 85,684 $ 49,000
DeSoto, Mississippi 76 $ 6,996,000 $ 92,052 $ 52,000
Richmond, Georgia 75 $ 5,869,000 $ 78,253 $ 49,000
Madison, Illinois 75 $ 5,951,000 $ 79,346 $ 50,000
Cameron, Texas 75 $ 6,548,000 $ 87,306 $ 61,000
Rankin, Mississippi 74 $ 7,783,000 $ 105,175 $ 44,000
Portsmouth, Virginia 74 $ 7,218,000 $ 97,540 $ 69,000
Essex, Massachusetts 73 $ 20,193,000 $ 276,616 $ 112,000
Comanche, Oklahoma 73 $ 3,827,000 $ 52,424 $ 36,000
Monroe, Pennsylvania 73 $ 11,817,000 $ 161,876 $ 74,000
Northampton, Pennsylvania 73 $ 12,404,000 $ 169,917 $ 81,000
Norfolk, Massachusetts 72 $ 22,689,000 $ 315,125 $ 128,000
Cass, Missouri 72 $ 7,467,000 $ 103,708 $ 65,000
Kenosha, Wisconsin 71 $ 7,948,000 $ 111,943 $ 62,000
Bristol, Massachusetts 70 $ 15,860,000 $ 226,571 $ 97,000
Sangamon, Illinois 69 $ 4,341,000 $ 62,913 $ 48,000
Vanderburgh, Indiana 68 $ 4,470,000 $ 65,735 $ 48,000
Harford, Maryland 68 $ 11,725,000 $ 172,426 $ 77,000
Greene, Missouri 67 $ 7,016,000 $ 104,716 $ 69,000
Erie, New York 67 $ 5,332,000 $ 79,582 $ 77,000
Somerset, New Jersey 66 $ 17,282,000 $ 261,848 $ 100,000
Coconino, Arizona 65 $ 11,723,000 $ 180,353 $ 88,000
Lake, Ohio 65 $ 8,007,000 $ 123,184 $ 67,000
Johnson, Texas 65 $ 5,261,000 $ 80,938 $ 70,000
Kankakee, Illinois 64 $ 6,667,000 $ 104,171 $ 55,000
Newton, Georgia 63 $ 7,392,000 $ 117,333 $ 49,000
Washtenaw, Michigan 63 $ 10,958,000 $ 173,936 $ 84,000
Mahoning, Ohio 63 $ 4,724,000 $ 74,984 $ 55,000
Loudoun, Virginia 63 $ 18,588,000 $ 295,047 $ 95,000
Santa Fe, New Mexico 62 $ 11,929,000 $ 192,403 $ 99,000
Paulding, Georgia 61 $ 7,585,000 $ 124,344 $ 79,000
Morris, New Jersey 61 $ 17,342,000 $ 284,295 $ 156,000
Chester, Pennsylvania 61 $ 12,500,000 $ 204,918 $ 89,000
Racine, Wisconsin 61 $ 6,280,000 $ 102,950 $ 49,000
Ingham, Michigan 60 $ 7,288,000 $ 121,466 $ 84,000
Washington, Pennsylvania 60 $ 6,508,000 $ 108,466 $ 57,000
McLennan, Texas 60 $ 4,708,000 $ 78,466 $ 58,000
Kootenai, Idaho 59 $ 8,682,000 $ 147,152 $ 75,000
Jackson, Michigan 59 $ 5,400,000 $ 91,525 $ 51,000
Washington, Mississippi 59 $ 3,022,000 $ 51,220 $ 35,000
Sandoval, New Mexico 59 $ 7,474,000 $ 126,677 $ 61,000
Sutter, California 58 $ 10,510,000 $ 181,206 $ 82,000
Guilford, North Carolina 58 $ 6,539,000 $ 112,741 $ 65,000
Portage, Ohio 58 $ 6,438,000 $ 111,000 $ 63,000
Richland, South Carolina 58 $ 5,102,000 $ 87,965 $ 61,000
Washington, Utah 58 $ 7,773,000 $ 134,017 $ 71,000
Douglas, Georgia 57 $ 10,511,000 $ 184,403 $ 133,000
Mitchell, Georgia 57 $ 3,721,000 $ 65,280 $ 32,000
DeKalb, Illinois 57 $ 7,487,000 $ 131,350 $ 75,000
Scott, Minnesota 57 $ 16,396,000 $ 287,649 $ 93,000
Knox, Tennessee 57 $ 6,852,000 $ 120,210 $ 60,000
Laramie, Wyoming 57 $ 6,742,000 $ 118,280 $ 69,000
Yuba, California 56 $ 9,471,000 $ 169,125 $ 77,000
Indian River, Florida 56 $ 8,302,000 $ 148,250 $ 66,000
Lauderdale, Mississippi 56 $ 3,887,000 $ 69,410 $ 34,000
Trumbull, Ohio 56 $ 4,384,000 $ 78,285 $ 42,000
Calhoun, Michigan 55 $ 4,254,000 $ 77,345 $ 41,000
Flathead, Montana 55 $ 8,767,000 $ 159,400 $ 82,000
Jefferson, Texas 55 $ 3,726,000 $ 67,745 $ 52,000
Garfield, Colorado 54 $ 8,757,000 $ 162,166 $ 72,000
Frederick, Maryland 54 $ 10,990,000 $ 203,518 $ 123,000
Madison, Mississippi 54 $ 11,157,000 $ 206,611 $ 91,000
Blair, Pennsylvania 54 $ 4,061,000 $ 75,203 $ 47,000
Davidson, Tennessee 54 $ 8,056,000 $ 149,185 $ 104,000
Howard, Maryland 53 $ 18,004,000 $ 339,698 $ 140,000
Wright, Minnesota 53 $ 11,315,000 $ 213,490 $ 75,000
Allen, Ohio 53 $ 3,099,000 $ 58,471 $ 53,000
Lancaster, Pennsylvania 53 $ 7,029,000 $ 132,622 $ 59,000
Santa Cruz, Arizona 52 $ 6,301,000 $ 121,173 $ 60,000
Kings, California 52 $ 7,693,000 $ 147,942 $ 100,000
Clermont, Ohio 52 $ 5,587,000 $ 107,442 $ 63,000
Dougherty, Georgia 51 $ 3,748,000 $ 73,490 $ 43,000
Lee, Mississippi 51 $ 3,573,000 $ 70,058 $ 37,000
Platte, Missouri 51 $ 8,403,000 $ 164,764 $ 158,000
Beaver, Pennsylvania 51 $ 4,062,000 $ 79,647 $ 71,000
Cowlitz, Washington 51 $ 5,022,000 $ 98,470 $ 63,000
Lewis, Washington 51 $ 5,539,000 $ 108,607 $ 62,000
Hernando, Florida 50 $ 5,616,000 $ 112,320 $ 67,000
Rockdale, Georgia 50 $ 6,553,000 $ 131,060 $ 65,000
Boone, Illinois 50 $ 7,117,000 $ 142,340 $ 76,000
Calcasieu, Louisiana 50 $ 3,433,000 $ 68,660 $ 50,000
Cochise, Arizona 49 $ 5,867,000 $ 119,734 $ 64,000
Fayette, Georgia 49 $ 11,197,000 $ 228,510 $ 116,000
Muscogee, Georgia 49 $ 4,073,000 $ 83,122 $ 39,000
Fremont, Colorado 48 $ 5,171,000 $ 107,729 $ 58,000
Durham, North Carolina 48 $ 5,120,000 $ 106,666 $ 55,000
Peoria, Illinois 47 $ 2,972,000 $ 63,234 $ 42,000
Missoula, Montana 47 $ 6,728,000 $ 143,148 $ 76,000
Linn, Oregon 47 $ 4,636,000 $ 98,638 $ 48,000
Worcester, Massachusetts 46 $ 9,009,000 $ 195,847 $ 80,000
Spotsylvania, Virginia 46 $ 8,656,000 $ 188,173 $ 72,000
Suffolk, Virginia 46 $ 5,521,000 $ 120,021 $ 64,000
Lake, California 45 $ 9,597,000 $ 213,266 $ 90,000
Martin, Florida 45 $ 8,977,000 $ 199,488 $ 74,000
Carroll, Georgia 45 $ 5,342,000 $ 118,711 $ 68,000
Hamilton, Indiana 45 $ 7,165,000 $ 159,222 $ 140,000
Hendricks, Indiana 45 $ 5,465,000 $ 121,444 $ 75,000
Madison, Indiana 45 $ 3,221,000 $ 71,577 $ 43,000
Kalamazoo, Michigan 45 $ 4,130,000 $ 91,777 $ 58,000
Muskegon, Michigan 45 $ 3,061,000 $ 68,022 $ 37,000
Sherburne, Minnesota 45 $ 10,478,000 $ 232,844 $ 67,000
Roanoke City, Virginia 45 $ 4,178,000 $ 92,844 $ 88,000
Rock, Wisconsin 45 $ 4,930,000 $ 109,555 $ 54,000
Shelby, Alabama 44 $ 5,341,000 $ 121,386 $ 61,000
Leon, Florida 44 $ 7,006,000 $ 159,227 $ 71,000
St. Louis, Minnesota 44 $ 5,741,000 $ 130,477 $ 57,000
Richmond, New York 44 $ 15,768,000 $ 358,363 $ 114,000
Warren, Ohio 44 $ 5,772,000 $ 131,181 $ 65,000
Tooele, Utah 44 $ 4,375,000 $ 99,431 $ 52,000
Kitsap, Washington 44 $ 7,695,000 $ 174,886 $ 63,000
Broomfield, Colorado 43 $ 8,038,000 $ 186,930 $ 73,000
Elbert, Colorado 43 $ 8,489,000 $ 197,418 $ 85,000
New London, Connecticut 43 $ 7,151,000 $ 166,302 $ 60,000
Pike, Mississippi 43 $ 2,348,000 $ 54,604 $ 40,000
Cumberland, Pennsylvania 43 $ 6,951,000 $ 161,651 $ 75,000
Florence, South Carolina 43 $ 4,396,000 $ 102,232 $ 45,000
Butte, California 42 $ 7,264,000 $ 172,952 $ 87,000
Stafford, Virginia 42 $ 12,665,000 $ 301,547 $ 110,000
Mason, Washington 42 $ 4,332,000 $ 103,142 $ 61,000
Garland, Arkansas 41 $ 3,798,000 $ 92,634 $ 58,000
Shasta, California 41 $ 7,079,000 $ 172,658 $ 98,000
Leflore, Mississippi 41 $ 2,346,000 $ 57,219 $ 37,000
Yellowstone, Montana 41 $ 5,127,000 $ 125,048 $ 76,000
Ottawa, Oklahoma 41 $ 2,024,000 $ 49,365 $ 63,000
Jefferson, Arkansas 40 $ 2,803,000 $ 70,075 $ 42,000
Flagler, Florida 40 $ 7,361,000 $ 184,025 $ 83,000
LaSalle, Illinois 40 $ 4,178,000 $ 104,450 $ 64,000
Daviess, Kentucky 40 $ 2,118,000 $ 52,950 $ 37,000
Ravalli, Montana 40 $ 8,430,000 $ 210,750 $ 91,000
Spartanburg, South Carolina 40 $ 2,912,000 $ 72,800 $ 40,000
Bell, Texas 40 $ 4,181,000 $ 104,525 $ 86,000
Yakima, Washington 40 $ 4,203,000 $ 105,075 $ 50,000
Elkhart, Indiana 39 $ 3,045,000 $ 78,076 $ 66,000
Jasper, Missouri 39 $ 3,598,000 $ 92,256 $ 68,000
Cumberland, New Jersey 39 $ 4,272,000 $ 109,538 $ 62,000
Ellis, Texas 39 $ 4,652,000 $ 119,282 $ 84,000
Lubbock, Texas 39 $ 4,406,000 $ 112,974 $ 91,000
Etowah, Alabama 38 $ 2,004,000 $ 52,736 $ 30,000
Ottawa, Michigan 38 $ 4,836,000 $ 127,263 $ 52,000
Marshall, Mississippi 38 $ 3,446,000 $ 90,684 $ 41,000
Cape May, New Jersey 38 $ 8,929,000 $ 234,973 $ 105,000
Cleveland, Oklahoma 38 $ 3,441,000 $ 90,552 $ 61,000
Yamhill, Oregon 38 $ 4,673,000 $ 122,973 $ 62,000
Nueces, Texas 38 $ 4,226,000 $ 111,210 $ 78,000
Grant, Washington 38 $ 2,848,000 $ 74,947 $ 44,000
Whatcom, Washington 38 $ 6,176,000 $ 162,526 $ 63,000
Brown, Wisconsin 38 $ 3,797,000 $ 99,921 $ 77,000
Clay, Florida 37 $ 5,212,000 $ 140,864 $ 62,000
Fayette, Kentucky 37 $ 4,207,000 $ 113,702 $ 63,000
Butler, Pennsylvania 37 $ 4,654,000 $ 125,783 $ 58,000
Wasatch, Utah 37 $ 5,351,000 $ 144,621 $ 77,000
St. Croix, Wisconsin 37 $ 6,592,000 $ 178,162 $ 98,000
Baldwin, Alabama 36 $ 6,007,000 $ 166,861 $ 146,000
Tuscaloosa, Alabama 36 $ 3,729,000 $ 103,583 $ 70,000
Teller, Colorado 36 $ 4,615,000 $ 128,194 $ 56,000
Santa Rosa, Florida 36 $ 4,652,000 $ 129,222 $ 65,000
Cherokee, Georgia 36 $ 5,235,000 $ 145,416 $ 73,000
Grundy, Illinois 36 $ 4,621,000 $ 128,361 $ 70,000
Livingston, Michigan 36 $ 8,813,000 $ 244,805 $ 79,000
Marquette, Michigan 36 $ 3,233,000 $ 89,805 $ 63,000
Lyon, Nevada 36 $ 5,942,000 $ 165,055 $ 59,000
San Juan, New Mexico 36 $ 4,721,000 $ 131,138 $ 103,000
Valencia, New Mexico 36 $ 3,394,000 $ 94,277 $ 45,000
Columbiana, Ohio 36 $ 3,159,000 $ 87,750 $ 57,000
Fayette, Pennsylvania 36 $ 2,415,000 $ 67,083 $ 39,000
Navajo, Arizona 35 $ 4,522,000 $ 129,200 $ 76,000
Alachua, Florida 35 $ 3,464,000 $ 98,971 $ 45,000
Harrison, Mississippi 35 $ 2,616,000 $ 74,742 $ 50,000
Yazoo, Mississippi 35 $ 2,136,000 $ 61,028 $ 34,000
Forsyth, North Carolina 35 $ 3,536,000 $ 101,028 $ 60,000
Midland, Texas 35 $ 2,450,000 $ 70,000 $ 54,000
Grays Harbor, Washington 35 $ 3,511,000 $ 100,314 $ 341,000
Dane, Wisconsin 35 $ 5,079,000 $ 145,114 $ 72,000
Waukesha, Wisconsin 35 $ 7,708,000 $ 220,228 $ 89,000
Park, Colorado 34 $ 5,300,000 $ 155,882 $ 77,000
Litchfield, Connecticut 34 $ 8,357,000 $ 245,794 $ 82,000
Chatham, Georgia 34 $ 4,214,000 $ 123,941 $ 70,000
Houston, Georgia 34 $ 3,240,000 $ 95,294 $ 48,000
Lamar, Mississippi 34 $ 3,293,000 $ 96,852 $ 56,000
Franklin, Missouri 34 $ 3,712,000 $ 109,176 $ 52,000
Eddy, New Mexico 34 $ 2,173,000 $ 63,911 $ 43,000
Alamance, North Carolina 34 $ 2,891,000 $ 85,029 $ 41,000
Greenville, South Carolina 34 $ 4,094,000 $ 120,411 $ 61,000
Walworth, Wisconsin 34 $ 5,257,000 $ 154,617 $ 61,000
Bay, Florida 33 $ 4,944,000 $ 149,818 $ 79,000
Coweta, Georgia 33 $ 4,299,000 $ 130,272 $ 69,000
Shawnee, Kansas 33 $ 2,453,000 $ 74,333 $ 61,000
Ouachita, Louisiana 33 $ 2,344,000 $ 71,030 $ 40,000
Berrien, Michigan 33 $ 4,015,000 $ 121,666 $ 47,000
Monroe, New York 33 $ 2,069,000 $ 62,696 $ 97,000
Schuylkill, Pennsylvania 33 $ 2,060,000 $ 62,424 $ 48,000
Catoosa, Georgia 32 $ 3,417,000 $ 106,781 $ 52,000
Tazewell, Illinois 32 $ 1,841,000 $ 57,531 $ 39,000
Wood, Ohio 32 $ 3,482,000 $ 108,812 $ 69,000
Parker, Texas 32 $ 4,225,000 $ 132,031 $ 149,000
Kanawha, West Virginia 32 $ 2,738,000 $ 85,562 $ 59,000
Cass, Indiana 31 $ 1,496,000 $ 48,258 $ 33,000
Delaware, Indiana 31 $ 1,511,000 $ 48,741 $ 42,000
Washington, Maryland 31 $ 6,779,000 $ 218,677 $ 102,000
Chaves, New Mexico 31 $ 2,293,000 $ 73,967 $ 59,000
Clark, Ohio 31 $ 2,414,000 $ 77,870 $ 52,000
Delaware, Ohio 31 $ 6,362,000 $ 205,225 $ 99,000
Medina, Ohio 31 $ 4,600,000 $ 148,387 $ 76,000
Morgan, Alabama 30 $ 2,277,000 $ 75,900 $ 59,000
Clark, Indiana 30 $ 2,344,000 $ 78,133 $ 33,000
Porter, Indiana 30 $ 3,737,000 $ 124,566 $ 105,000
Forrest, Mississippi 30 $ 2,212,000 $ 73,733 $ 50,000
Cape Girardeau, Missouri 30 $ 2,218,000 $ 73,933 $ 44,000
Albany, New York 30 $ 3,711,000 $ 123,700 $ 112,000
Orange, New York 30 $ 7,780,000 $ 259,333 $ 83,000
Ashtabula, Ohio 30 $ 2,432,000 $ 81,066 $ 49,000
Okaloosa, Florida 29 $ 6,421,000 $ 221,413 $ 86,000
Kauai, Hawaii 29 $ 10,937,000 $ 377,137 $ 169,000
Macon, Illinois 29 $ 1,983,000 $ 68,379 $ 36,000
Johnson, Indiana 29 $ 2,937,000 $ 101,275 $ 54,000
LaPorte, Indiana 29 $ 3,011,000 $ 103,827 $ 70,000
Vigo, Indiana 29 $ 1,993,000 $ 68,724 $ 34,000
Black Hawk, Iowa 29 $ 2,313,000 $ 79,758 $ 50,000
Leavenworth, Kansas 29 $ 3,450,000 $ 118,965 $ 69,000
Isanti, Minnesota 29 $ 5,364,000 $ 184,965 $ 54,000
Sussex, New Jersey 29 $ 6,418,000 $ 221,310 $ 86,000
Fairfield, Ohio 29 $ 3,550,000 $ 122,413 $ 61,000
Rockwall, Texas 29 $ 4,423,000 $ 152,517 $ 89,000
Smith, Texas 29 $ 2,902,000 $ 100,068 $ 81,000
Charlotte, Florida 28 $ 4,139,000 $ 147,821 $ 69,000
Hall, Georgia 28 $ 3,920,000 $ 140,000 $ 58,000
Rock Island, Illinois 28 $ 1,929,000 $ 68,892 $ 35,000
Sunflower, Mississippi 28 $ 1,309,000 $ 46,750 $ 46,000
Lincoln, Missouri 28 $ 2,633,000 $ 94,035 $ 49,000
Umatilla, Oregon 28 $ 2,307,000 $ 82,392 $ 98,000
Kaufman, Texas 28 $ 2,654,000 $ 94,785 $ 56,000
Skagit, Washington 28 $ 4,826,000 $ 172,357 $ 92,000
Vermilion, Illinois 27 $ 1,318,000 $ 48,814 $ 53,000
Knox, Indiana 27 $ 1,364,000 $ 50,518 $ 40,000
Rapides, Louisiana 27 $ 1,935,000 $ 71,666 $ 60,000
Stearns, Minnesota 27 $ 3,500,000 $ 129,629 $ 66,000
Richland, Ohio 27 $ 1,986,000 $ 73,555 $ 51,000
Sanpete, Utah 27 $ 2,609,000 $ 96,629 $ 57,000
Benton, Washington 27 $ 3,027,000 $ 112,111 $ 53,000
Tuolumne, California 26 $ 5,098,000 $ 196,076 $ 80,000
Woodbury, Iowa 26 $ 1,588,000 $ 61,076 $ 42,000
Ascension, Louisiana 26 $ 2,931,000 $ 112,730 $ 74,000
Calvert, Maryland 26 $ 6,211,000 $ 238,884 $ 93,000
Barnstable, Massachusetts 26 $ 7,074,000 $ 272,076 $ 88,000
Douglas, Nebraska 26 $ 2,118,000 $ 81,461 $ 64,000
Licking, Ohio 26 $ 3,324,000 $ 127,846 $ 54,000
Tuscarawas, Ohio 26 $ 2,170,000 $ 83,461 $ 47,000
Carbon, Pennsylvania 26 $ 3,056,000 $ 117,538 $ 83,000
Kent, Rhode Island 26 $ 5,822,000 $ 223,923 $ 102,000
Frederick, Virginia 26 $ 4,900,000 $ 188,461 $ 68,000
Gila, Arizona 25 $ 3,273,000 $ 130,920 $ 65,000
San Luis Obispo, California 25 $ 10,906,000 $ 436,240 $ 149,000
Floyd, Georgia 25 $ 2,299,000 $ 91,960 $ 46,000
Kenton, Kentucky 25 $ 2,173,000 $ 86,920 $ 52,000
Wicomico, Maryland 25 $ 2,670,000 $ 106,800 $ 50,000
Union, Mississippi 25 $ 1,492,000 $ 59,680 $ 33,000
Muskingum, Ohio 25 $ 2,072,000 $ 82,880 $ 64,000
Charleston, South Carolina 25 $ 3,420,000 $ 136,800 $ 85,000
Orangeburg, South Carolina 25 $ 1,759,000 $ 70,360 $ 39,000
Guadalupe, Texas 25 $ 2,213,000 $ 88,520 $ 59,000
Dallas, Alabama 24 $ 1,066,000 $ 44,416 $ 33,000
Middlesex, Connecticut 24 $ 3,968,000 $ 165,333 $ 64,000
Walker, Georgia 24 $ 2,139,000 $ 89,125 $ 56,000
Whiteside, Illinois 24 $ 1,708,000 $ 71,166 $ 51,000
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Mortgage Loan Application Detail Totals for Finance America in 2005

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 69,912 $10,268,407,000 $130,510 $7,290,000 $73,285 $3,900,000
Refinancing 50,689 $10,108,093,000 $164,877 $4,000,000 $74,632 $9,037,000
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 42,326 $6,915,119,000 $152,306 $4,000,000 $77,877 $6,522,000
Black or African American 26,778 $3,607,903,000 $150,911 $7,290,000 $69,177 $3,900,000
Hispanic 23,510 $4,204,786,000 $138,297 $2,113,000 $69,191 $2,214,000
Not Provided 22,559 $4,210,619,000 $150,163 $4,000,000 $72,163 $9,037,000
Asian 4,189 $1,156,529,000 $190,000 $1,855,000 $91,697 $1,846,000
Native Hawaiian or Other Pacific Islander 755 $193,653,000 $207,529 $2,000,000 $91,058 $519,000
American Indian or Alaskan Native 484 $87,891,000 $140,658 $1,050,000 $85,585 $1,400,000
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) 120,601 $20,376,500,000 $145,408 $7,290,000 $73,551 $9,037,000
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 66,345 $11,144,743,000 $147,408 $7,290,000 $73,979 $9,037,000
Loan Originated 51,357 $8,686,048,000 $141,775 $1,000,000 $72,795 $6,522,000
Application Approved But Not Accepted 1,466 $283,408,000 $169,272 $910,000 $76,522 $1,063,000
Application Withdrawn By Applicant 1,433 $262,301,000 $156,219 $3,330,000 $77,878 $1,344,000
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial 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
Other 41,823 $7,361,663,000 $146,653 $7,290,000 $75,693 $9,037,000
Collateral 6,549 $976,108,000 $152,000 $4,000,000 $78,020 $3,691,000
Credit Application Incomplete 6,409 $989,551,000 $150,500 $1,064,000 $87,166 $3,000,000
Credit History 5,015 $732,796,000 $145,510 $2,113,000 $70,063 $1,633,000
Unverifiable Information 2,308 $434,819,000 $169,595 $980,000 $85,808 $4,889,000
Debt-To-Income Ratio 2,305 $338,639,000 $150,521 $2,310,000 $73,369 $1,320,000
Employment History 1,287 $212,081,000 $152,086 $1,000,000 $76,652 $1,200,000
Insufficient Cash (Downpayment, Closing Cost) 648 $98,961,000 $148,818 $960,000 $63,022 $841,000
Mortgage Insurance Denied 1 $125,000 $125,000 $125,000 $38,000 $38,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Finance America's 2005 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'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 New York, download the full spreadsheet with aggregated HMDA statistics today.

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