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Act (HMDA) records Finance America filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Phoenix-Mesa-Scottsdale, AZ | 10,145 | $ 1,558,571,000 | $ 153,629 | $ 77,000 |
| Chicago-Naperville-Joliet, IL | 7,748 | $ 1,351,025,000 | $ 174,370 | $ 82,000 |
| Riverside-San Bernardino-Ontario, CA | 4,044 | $ 939,177,000 | $ 232,239 | $ 107,000 |
| Los Angeles-Long Beach-Glendale, CA | 3,727 | $ 1,123,362,000 | $ 301,411 | $ 123,000 |
| Houston-Baytown-Sugar Land, TX | 3,669 | $ 397,097,000 | $ 108,230 | $ 84,000 |
| Denver-Aurora, CO | 3,060 | $ 461,658,000 | $ 150,868 | $ 82,000 |
| Atlanta-Sandy Springs-Marietta, GA | 2,789 | $ 414,435,000 | $ 148,596 | $ 80,000 |
| Detroit-Livonia-Dearborn, MI | 2,514 | $ 209,475,000 | $ 83,323 | $ 65,000 |
| Miami-Miami Beach-Kendall, FL | 2,162 | $ 340,783,000 | $ 157,623 | $ 96,000 |
| Oakland-Fremont-Hayward, CA | 2,126 | $ 702,940,000 | $ 330,639 | $ 128,000 |
| St. Louis, MO-IL | 1,800 | $ 168,692,000 | $ 93,717 | $ 56,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1,780 | $ 443,409,000 | $ 249,106 | $ 127,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1,754 | $ 313,954,000 | $ 178,993 | $ 91,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1,610 | $ 593,531,000 | $ 368,652 | $ 135,000 |
| Dallas-Plano-Irving, TX | 1,592 | $ 183,515,000 | $ 115,273 | $ 79,000 |
| Kansas City, MO-KS | 1,451 | $ 127,021,000 | $ 87,540 | $ 70,000 |
| San Diego-Carlsbad-San Marcos, CA | 1,362 | $ 456,878,000 | $ 335,446 | $ 134,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1,348 | $ 300,144,000 | $ 222,658 | $ 78,000 |
| Philadelphia, PA | 1,332 | $ 173,339,000 | $ 130,134 | $ 76,000 |
| Las Vegas-Paradise, NV | 1,327 | $ 268,997,000 | $ 202,710 | $ 90,000 |
| Cleveland-Elyria-Mentor, OH | 1,228 | $ 122,278,000 | $ 99,574 | $ 66,000 |
| Warren-Farmington Hills-Troy, MI | 1,100 | $ 177,267,000 | $ 161,151 | $ 72,000 |
| Santa Ana-Anaheim-Irvine, CA | 1,093 | $ 387,960,000 | $ 354,949 | $ 151,000 |
| Fort Worth-Arlington, TX | 1,027 | $ 106,067,000 | $ 103,278 | $ 82,000 |
| Salt Lake City, UT | 959 | $ 128,359,000 | $ 133,846 | $ 82,000 |
| Orlando, FL | 956 | $ 153,515,000 | $ 160,580 | $ 85,000 |
| Baltimore-Towson, MD | 905 | $ 141,268,000 | $ 156,097 | $ 87,000 |
| San Francisco-San Mateo-Redwood City, CA | 830 | $ 351,015,000 | $ 422,909 | $ 155,000 |
| Tampa-St. Petersburg-Clearwater, FL | 827 | $ 109,681,000 | $ 132,625 | $ 79,000 |
| Portland-Vancouver-Beaverton, OR-WA | 826 | $ 124,752,000 | $ 151,031 | $ 71,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 818 | $ 105,768,000 | $ 129,300 | $ 67,000 |
| New York-Wayne-White Plains, NY-NJ | 777 | $ 345,175,000 | $ 444,240 | $ 145,000 |
| Jackson, MS | 762 | $ 63,874,000 | $ 83,824 | $ 58,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 741 | $ 149,461,000 | $ 201,701 | $ 112,000 |
| Pittsburgh, PA | 730 | $ 66,457,000 | $ 91,036 | $ 54,000 |
| Birmingham-Hoover, AL | 708 | $ 55,922,000 | $ 78,985 | $ 59,000 |
| Stockton, CA | 705 | $ 190,450,000 | $ 270,141 | $ 101,000 |
| Modesto, CA | 681 | $ 147,448,000 | $ 216,516 | $ 104,000 |
| Seattle-Bellevue-Everett, WA | 679 | $ 140,283,000 | $ 206,602 | $ 89,000 |
| Honolulu, HI | 613 | $ 194,542,000 | $ 317,360 | $ 110,000 |
| Tucson, AZ | 603 | $ 81,618,000 | $ 135,353 | $ 69,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 577 | $ 137,736,000 | $ 238,710 | $ 129,000 |
| Columbus, OH | 556 | $ 59,622,000 | $ 107,233 | $ 66,000 |
| Edison, NJ | 542 | $ 129,591,000 | $ 239,097 | $ 97,000 |
| Indianapolis, IN | 538 | $ 50,110,000 | $ 93,141 | $ 83,000 |
| Cincinnati-Middletown, OH-KY-IN | 527 | $ 57,816,000 | $ 109,707 | $ 74,000 |
| Jacksonville, FL | 503 | $ 52,627,000 | $ 104,626 | $ 78,000 |
| Bakersfield, CA | 498 | $ 82,263,000 | $ 165,186 | $ 85,000 |
| Newark-Union, NJ-PA | 495 | $ 119,280,000 | $ 240,969 | $ 109,000 |
| Ogden-Clearfield, UT | 489 | $ 50,602,000 | $ 103,480 | $ 57,000 |
| Lake County-Kenosha County, IL-WI | 480 | $ 92,868,000 | $ 193,475 | $ 81,000 |
| Vallejo-Fairfield, CA | 480 | $ 137,562,000 | $ 286,587 | $ 115,000 |
| Boston-Quincy, MA | 457 | $ 133,179,000 | $ 291,420 | $ 109,000 |
| Milwaukee-Waukesha-West Allis, WI | 449 | $ 47,672,000 | $ 106,173 | $ 63,000 |
| Port St. Lucie-Fort Pierce, FL | 443 | $ 72,390,000 | $ 163,408 | $ 83,000 |
| Austin-Round Rock, TX | 426 | $ 55,305,000 | $ 129,823 | $ 85,000 |
| Camden, NJ | 426 | $ 63,423,000 | $ 148,880 | $ 80,000 |
| New Orleans-Metairie-Kenner, LA | 418 | $ 46,920,000 | $ 112,248 | $ 65,000 |
| Richmond, VA | 414 | $ 51,942,000 | $ 125,463 | $ 65,000 |
| Colorado Springs, CO | 413 | $ 55,006,000 | $ 133,186 | $ 68,000 |
| Fresno, CA | 406 | $ 69,956,000 | $ 172,305 | $ 86,000 |
| Greeley, CO | 384 | $ 50,711,000 | $ 132,059 | $ 65,000 |
| Tacoma, WA | 376 | $ 57,451,000 | $ 152,795 | $ 71,000 |
| San Antonio, TX | 375 | $ 37,896,000 | $ 101,056 | $ 63,000 |
| Provo-Orem, UT | 356 | $ 49,319,000 | $ 138,536 | $ 76,000 |
| Salinas, CA | 351 | $ 121,563,000 | $ 346,333 | $ 133,000 |
| Santa Rosa-Petaluma, CA | 348 | $ 112,002,000 | $ 321,844 | $ 144,000 |
| Rockford, IL | 347 | $ 30,758,000 | $ 88,639 | $ 55,000 |
| Oklahoma City, OK | 329 | $ 24,000,000 | $ 72,948 | $ 56,000 |
| Albuquerque, NM | 314 | $ 38,530,000 | $ 122,707 | $ 67,000 |
| Flint, MI | 306 | $ 24,966,000 | $ 81,588 | $ 66,000 |
| Bridgeport-Stamford-Norwalk, CT | 301 | $ 88,242,000 | $ 293,162 | $ 98,000 |
| Cape Coral-Fort Myers, FL | 296 | $ 46,126,000 | $ 155,831 | $ 84,000 |
| Gary, IN | 290 | $ 26,925,000 | $ 92,844 | $ 68,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 290 | $ 95,216,000 | $ 328,331 | $ 126,000 |
| Bethesda-Frederick-Gaithersburg, MD | 287 | $ 78,947,000 | $ 275,076 | $ 108,000 |
| Baton Rouge, LA | 275 | $ 23,862,000 | $ 86,770 | $ 60,000 |
| Merced, CA | 273 | $ 63,035,000 | $ 230,897 | $ 108,000 |
| Akron, OH | 269 | $ 25,708,000 | $ 95,568 | $ 66,000 |
| Memphis, TN-MS-AR | 265 | $ 24,957,000 | $ 94,177 | $ 96,000 |
| Boise City-Nampa, ID | 257 | $ 31,753,000 | $ 123,552 | $ 60,000 |
| Tulsa, OK | 255 | $ 22,340,000 | $ 87,607 | $ 60,000 |
| New Haven-Milford, CT | 254 | $ 41,523,000 | $ 163,476 | $ 86,000 |
| Hartford-West Hartford-East Hartford, CT | 252 | $ 37,146,000 | $ 147,404 | $ 66,000 |
| Montgomery, AL | 251 | $ 20,934,000 | $ 83,402 | $ 46,000 |
| Macon, GA | 236 | $ 17,211,000 | $ 72,927 | $ 49,000 |
| Nassau-Suffolk, NY | 236 | $ 86,472,000 | $ 366,406 | $ 126,000 |
| Providence-New Bedford-Fall River, RI-MA | 233 | $ 47,725,000 | $ 204,828 | $ 89,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 230 | $ 30,031,000 | $ 130,569 | $ 75,000 |
| Scranton--Wilkes-Barre, PA | 214 | $ 18,875,000 | $ 88,200 | $ 68,000 |
| Sarasota-Bradenton-Venice, FL | 209 | $ 34,478,000 | $ 164,966 | $ 117,000 |
| Louisville, KY-IN | 207 | $ 18,613,000 | $ 89,917 | $ 61,000 |
| Little Rock-North Little Rock, AR | 200 | $ 17,883,000 | $ 89,415 | $ 64,000 |
| Toledo, OH | 199 | $ 18,838,000 | $ 94,663 | $ 73,000 |
| Palm Bay-Melbourne-Titusville, FL | 197 | $ 29,589,000 | $ 150,197 | $ 86,000 |
| Charlotte-Gastonia-Concord, NC-SC | 194 | $ 20,530,000 | $ 105,824 | $ 68,000 |
| Fort Collins-Loveland, CO | 192 | $ 30,245,000 | $ 157,526 | $ 75,000 |
| Reno-Sparks, NV | 188 | $ 40,802,000 | $ 217,031 | $ 80,000 |
| Harrisburg-Carlisle, PA | 187 | $ 18,017,000 | $ 96,347 | $ 65,000 |
| Dayton, OH | 185 | $ 23,602,000 | $ 127,578 | $ 59,000 |
| Visalia-Porterville, CA | 183 | $ 26,919,000 | $ 147,098 | $ 69,000 |
| Spokane, WA | 180 | $ 20,956,000 | $ 116,422 | $ 54,000 |
| Canton-Massillon, OH | 177 | $ 14,707,000 | $ 83,090 | $ 43,000 |
| Lakeland, FL | 173 | $ 21,079,000 | $ 121,843 | $ 74,000 |
| Grand Rapids-Wyoming, MI | 172 | $ 19,894,000 | $ 115,662 | $ 55,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 167 | $ 21,862,000 | $ 130,910 | $ 89,000 |
| Salem, OR | 166 | $ 20,945,000 | $ 126,174 | $ 63,000 |
| Raleigh-Cary, NC | 165 | $ 20,687,000 | $ 125,375 | $ 77,000 |
| Fort Wayne, IN | 157 | $ 10,477,000 | $ 66,732 | $ 47,000 |
| Boulder, CO | 154 | $ 27,565,000 | $ 178,993 | $ 84,000 |
| St. Joseph, MO-KS | 153 | $ 11,762,000 | $ 76,875 | $ 66,000 |
| McAllen-Edinburg-Pharr, TX | 149 | $ 12,859,000 | $ 86,302 | $ 74,000 |
| Pueblo, CO | 146 | $ 14,659,000 | $ 100,404 | $ 52,000 |
| Olympia, WA | 143 | $ 19,535,000 | $ 136,608 | $ 69,000 |
| Eugene-Springfield, OR | 142 | $ 19,054,000 | $ 134,183 | $ 59,000 |
| South Bend-Mishawaka, IN-MI | 141 | $ 12,103,000 | $ 85,836 | $ 75,000 |
| Prescott, AZ | 137 | $ 23,773,000 | $ 173,525 | $ 70,000 |
| Santa Cruz-Watsonville, CA | 136 | $ 56,087,000 | $ 412,404 | $ 156,000 |
| Des Moines, IA | 135 | $ 11,763,000 | $ 87,133 | $ 56,000 |
| Trenton-Ewing, NJ | 135 | $ 22,297,000 | $ 165,162 | $ 97,000 |
| Cambridge-Newton-Framingham, MA | 131 | $ 39,552,000 | $ 301,923 | $ 107,000 |
| Huntsville, AL | 131 | $ 12,307,000 | $ 93,946 | $ 52,000 |
| Naples-Marco Island, FL | 125 | $ 26,418,000 | $ 211,344 | $ 80,000 |
| Atlantic City, NJ | 124 | $ 21,045,000 | $ 169,717 | $ 81,000 |
| El Paso, TX | 119 | $ 9,507,000 | $ 79,890 | $ 60,000 |
| Wilmington, DE-MD-NJ | 119 | $ 15,579,000 | $ 130,915 | $ 68,000 |
| Youngstown-Warren-Boardman, OH-PA | 119 | $ 9,108,000 | $ 76,537 | $ 50,000 |
| Nashville-Davidson--Murfreesboro, TN | 116 | $ 17,058,000 | $ 147,051 | $ 85,000 |
| Yuba City, CA | 114 | $ 19,981,000 | $ 175,271 | $ 80,000 |
| Chattanooga, TN-GA | 113 | $ 11,508,000 | $ 101,840 | $ 56,000 |
| Pensacola-Ferry Pass-Brent, FL | 112 | $ 11,164,000 | $ 99,678 | $ 54,000 |
| Wichita, KS | 112 | $ 7,829,000 | $ 69,901 | $ 51,000 |
| Saginaw-Saginaw Township North, MI | 111 | $ 7,590,000 | $ 68,378 | $ 68,000 |
| Shreveport-Bossier City, LA | 109 | $ 7,352,000 | $ 67,449 | $ 43,000 |
| Laredo, TX | 104 | $ 10,022,000 | $ 96,365 | $ 60,000 |
| Augusta-Richmond County, GA-SC | 102 | $ 8,892,000 | $ 87,176 | $ 51,000 |
| Reading, PA | 102 | $ 13,138,000 | $ 128,803 | $ 65,000 |
| Springfield, MO | 102 | $ 10,584,000 | $ 103,764 | $ 58,000 |
| Mobile, AL | 101 | $ 6,861,000 | $ 67,930 | $ 49,000 |
| Evansville, IN-KY | 97 | $ 7,014,000 | $ 72,309 | $ 46,000 |
| Roanoke, VA | 91 | $ 10,295,000 | $ 113,131 | $ 69,000 |
| Columbia, SC | 90 | $ 7,632,000 | $ 84,800 | $ 53,000 |
| El Centro, CA | 88 | $ 14,751,000 | $ 167,625 | $ 81,000 |
| Madera, CA | 88 | $ 17,494,000 | $ 198,795 | $ 78,000 |
| Springfield, MA | 88 | $ 13,115,000 | $ 149,034 | $ 71,000 |
| Yuma, AZ | 86 | $ 10,550,000 | $ 122,674 | $ 72,000 |
| Peoria, IL | 85 | $ 5,475,000 | $ 64,411 | $ 43,000 |
| York-Hanover, PA | 85 | $ 11,012,000 | $ 129,552 | $ 54,000 |
| Grand Junction, CO | 82 | $ 9,340,000 | $ 113,902 | $ 66,000 |
| Lansing-East Lansing, MI | 82 | $ 9,987,000 | $ 121,792 | $ 79,000 |
| Napa, CA | 81 | $ 30,971,000 | $ 382,358 | $ 193,000 |
| Erie, PA | 80 | $ 5,838,000 | $ 72,975 | $ 82,000 |
| Knoxville, TN | 80 | $ 9,088,000 | $ 113,600 | $ 55,000 |
| Beaumont-Port Arthur, TX | 79 | $ 5,507,000 | $ 69,708 | $ 54,000 |
| Ocala, FL | 78 | $ 12,946,000 | $ 165,974 | $ 73,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 78 | $ 27,175,000 | $ 348,397 | $ 102,000 |
| Brownsville-Harlingen, TX | 75 | $ 6,548,000 | $ 87,306 | $ 61,000 |
| Buffalo-Niagara Falls, NY | 74 | $ 5,676,000 | $ 76,702 | $ 74,000 |
| Essex County, MA | 73 | $ 20,193,000 | $ 276,616 | $ 112,000 |
| Lawton, OK | 73 | $ 3,827,000 | $ 52,424 | $ 36,000 |
| Albany-Schenectady-Troy, NY | 72 | $ 8,233,000 | $ 114,347 | $ 80,000 |
| Springfield, IL | 70 | $ 4,408,000 | $ 62,971 | $ 47,000 |
| Greensboro-High Point, NC | 69 | $ 7,379,000 | $ 106,942 | $ 59,000 |
| Albany, GA | 67 | $ 5,701,000 | $ 85,089 | $ 52,000 |
| Hattiesburg, MS | 66 | $ 5,703,000 | $ 86,409 | $ 55,000 |
| Flagstaff, AZ | 65 | $ 11,723,000 | $ 180,353 | $ 88,000 |
| Kankakee-Bradley, IL | 64 | $ 6,667,000 | $ 104,171 | $ 55,000 |
| Ann Arbor, MI | 63 | $ 10,958,000 | $ 173,936 | $ 84,000 |
| Florence, SC | 63 | $ 6,364,000 | $ 101,015 | $ 49,000 |
| Columbus, GA-AL | 62 | $ 5,415,000 | $ 87,338 | $ 43,000 |
| Durham, NC | 62 | $ 6,988,000 | $ 112,709 | $ 62,000 |
| Santa Fe, NM | 62 | $ 11,929,000 | $ 192,403 | $ 99,000 |
| Lexington-Fayette, KY | 61 | $ 6,033,000 | $ 98,901 | $ 57,000 |
| Racine, WI | 61 | $ 6,280,000 | $ 102,950 | $ 49,000 |
| Waco, TX | 60 | $ 4,708,000 | $ 78,466 | $ 58,000 |
| Coeur D'Alene, ID | 59 | $ 8,682,000 | $ 147,152 | $ 75,000 |
| Jackson, MI | 59 | $ 5,400,000 | $ 91,525 | $ 51,000 |
| Kalamazoo-Portage, MI | 58 | $ 5,682,000 | $ 97,965 | $ 57,000 |
| St. George, UT | 58 | $ 7,773,000 | $ 134,017 | $ 71,000 |
| Cheyenne, WY | 57 | $ 6,742,000 | $ 118,280 | $ 69,000 |
| Tallahassee, FL | 57 | $ 8,516,000 | $ 149,403 | $ 67,000 |
| Vero Beach, FL | 56 | $ 8,302,000 | $ 148,250 | $ 66,000 |
| Battle Creek, MI | 55 | $ 4,254,000 | $ 77,345 | $ 41,000 |
| Altoona, PA | 54 | $ 4,061,000 | $ 75,203 | $ 47,000 |
| Lancaster, PA | 53 | $ 7,029,000 | $ 132,622 | $ 59,000 |
| Lima, OH | 53 | $ 3,099,000 | $ 58,471 | $ 53,000 |
| Hanford-Corcoran, CA | 52 | $ 7,693,000 | $ 147,942 | $ 100,000 |
| Kennewick-Richland-Pasco, WA | 51 | $ 5,291,000 | $ 103,745 | $ 68,000 |
| Longview, WA | 51 | $ 5,022,000 | $ 98,470 | $ 63,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 51 | $ 13,720,000 | $ 269,019 | $ 105,000 |
| Lake Charles, LA | 50 | $ 3,433,000 | $ 68,660 | $ 50,000 |
| Killeen-Temple-Fort Hood, TX | 49 | $ 5,028,000 | $ 102,612 | $ 80,000 |
| Charleston-North Charleston, SC | 48 | $ 6,756,000 | $ 140,750 | $ 92,000 |
| Duluth, MN-WI | 48 | $ 6,403,000 | $ 133,395 | $ 56,000 |
| Missoula, MT | 47 | $ 6,728,000 | $ 143,148 | $ 76,000 |
| Charlottesville, VA | 46 | $ 7,618,000 | $ 165,608 | $ 70,000 |
| Green Bay, WI | 46 | $ 4,619,000 | $ 100,413 | $ 69,000 |
| Worcester, MA | 46 | $ 9,009,000 | $ 195,847 | $ 80,000 |
| Anderson, IN | 45 | $ 3,221,000 | $ 71,577 | $ 43,000 |
| Janesville, WI | 45 | $ 4,930,000 | $ 109,555 | $ 54,000 |
| Madison, WI | 45 | $ 5,940,000 | $ 132,000 | $ 69,000 |
| Muskegon-Norton Shores, MI | 45 | $ 3,061,000 | $ 68,022 | $ 37,000 |
| Bremerton-Silverdale, WA | 44 | $ 7,695,000 | $ 174,886 | $ 63,000 |
| Charleston, WV | 44 | $ 3,801,000 | $ 86,386 | $ 58,000 |
| Joplin, MO | 44 | $ 3,976,000 | $ 90,363 | $ 64,000 |
| Owensboro, KY | 44 | $ 2,329,000 | $ 52,931 | $ 35,000 |
| Savannah, GA | 44 | $ 5,738,000 | $ 130,409 | $ 72,000 |
| Norwich-New London, CT | 43 | $ 7,151,000 | $ 166,302 | $ 60,000 |
| Topeka, KS | 43 | $ 3,678,000 | $ 85,534 | $ 59,000 |
| Billings, MT | 42 | $ 5,256,000 | $ 125,142 | $ 74,000 |
| Chico, CA | 42 | $ 7,264,000 | $ 172,952 | $ 87,000 |
| Rocky Mount, NC | 42 | $ 4,110,000 | $ 97,857 | $ 106,000 |
| Corpus Christi, TX | 41 | $ 4,548,000 | $ 110,926 | $ 79,000 |
| Hot Springs, AR | 41 | $ 3,798,000 | $ 92,634 | $ 58,000 |
| Pine Bluff, AR | 41 | $ 2,854,000 | $ 69,609 | $ 42,000 |
| Redding, CA | 41 | $ 7,079,000 | $ 172,658 | $ 98,000 |
| Greenville, SC | 40 | $ 4,490,000 | $ 112,250 | $ 56,000 |
| Gulfport-Biloxi, MS | 40 | $ 2,950,000 | $ 73,750 | $ 52,000 |
| Spartanburg, SC | 40 | $ 2,912,000 | $ 72,800 | $ 40,000 |
| Yakima, WA | 40 | $ 4,203,000 | $ 105,075 | $ 50,000 |
| Elkhart-Goshen, IN | 39 | $ 3,045,000 | $ 78,076 | $ 66,000 |
| Hickory-Lenoir-Morganton, NC | 39 | $ 3,502,000 | $ 89,794 | $ 64,000 |
| Lubbock, TX | 39 | $ 4,406,000 | $ 112,974 | $ 91,000 |
| Rochester, MN | 39 | $ 5,621,000 | $ 144,128 | $ 55,000 |
| Rochester, NY | 39 | $ 2,799,000 | $ 71,769 | $ 94,000 |
| Terre Haute, IN | 39 | $ 2,861,000 | $ 73,358 | $ 38,000 |
| Vineland-Millville-Bridgeton, NJ | 39 | $ 4,272,000 | $ 109,538 | $ 62,000 |
| Bellingham, WA | 38 | $ 6,176,000 | $ 162,526 | $ 63,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 38 | $ 5,746,000 | $ 151,210 | $ 90,000 |
| Gadsden, AL | 38 | $ 2,004,000 | $ 52,736 | $ 30,000 |
| Gainesville, FL | 38 | $ 4,221,000 | $ 111,078 | $ 49,000 |
| Holland-Grand Haven, MI | 38 | $ 4,836,000 | $ 127,263 | $ 52,000 |
| Lynchburg, VA | 38 | $ 3,929,000 | $ 103,394 | $ 66,000 |
| Ocean City, NJ | 38 | $ 8,929,000 | $ 234,973 | $ 105,000 |
| Portland-South Portland-Biddeford, ME | 38 | $ 9,805,000 | $ 258,026 | $ 104,000 |
| St. Cloud, MN | 37 | $ 5,285,000 | $ 142,837 | $ 62,000 |
| Tuscaloosa, AL | 37 | $ 3,809,000 | $ 102,945 | $ 67,000 |
| Winston-Salem, NC | 37 | $ 3,820,000 | $ 103,243 | $ 60,000 |
| Farmington, NM | 36 | $ 4,721,000 | $ 131,138 | $ 103,000 |
| Midland, TX | 35 | $ 2,450,000 | $ 70,000 | $ 54,000 |
| Salisbury, MD | 35 | $ 3,744,000 | $ 106,971 | $ 52,000 |
| Burlington, NC | 34 | $ 2,891,000 | $ 85,029 | $ 41,000 |
| Danville, VA | 34 | $ 2,649,000 | $ 77,911 | $ 88,000 |
| Houma-Bayou Cane-Thibodaux, LA | 34 | $ 2,894,000 | $ 85,117 | $ 49,000 |
| Monroe, LA | 34 | $ 2,389,000 | $ 70,264 | $ 39,000 |
| Warner Robins, GA | 34 | $ 3,240,000 | $ 95,294 | $ 48,000 |
| Niles-Benton Harbor, MI | 33 | $ 4,015,000 | $ 121,666 | $ 47,000 |
| Panama City-Lynn Haven, FL | 33 | $ 4,944,000 | $ 149,818 | $ 79,000 |
| Wenatchee, WA | 33 | $ 4,423,000 | $ 134,030 | $ 68,000 |
| Waterloo-Cedar Falls, IA | 32 | $ 2,528,000 | $ 79,000 | $ 50,000 |
| Hagerstown-Martinsburg, MD-WV | 31 | $ 6,779,000 | $ 218,677 | $ 102,000 |
| Muncie, IN | 31 | $ 1,511,000 | $ 48,741 | $ 42,000 |
| Rockingham County-Strafford County, NH | 31 | $ 6,089,000 | $ 196,419 | $ 104,000 |
| Springfield, OH | 31 | $ 2,414,000 | $ 77,870 | $ 52,000 |
| Decatur, AL | 30 | $ 2,277,000 | $ 75,900 | $ 59,000 |
| Winchester, VA-WV | 30 | $ 5,865,000 | $ 195,500 | $ 69,000 |
| Alexandria, LA | 29 | $ 2,464,000 | $ 84,965 | $ 80,000 |
| Decatur, IL | 29 | $ 1,983,000 | $ 68,379 | $ 36,000 |
| Eau Claire, WI | 29 | $ 3,370,000 | $ 116,206 | $ 54,000 |
| Florence-Muscle Shoals, AL | 29 | $ 1,736,000 | $ 59,862 | $ 40,000 |
| Fort Walton Beach-Crestview-Destin, FL | 29 | $ 6,421,000 | $ 221,413 | $ 86,000 |
| Michigan City-La Porte, IN | 29 | $ 3,011,000 | $ 103,827 | $ 70,000 |
| Tyler, TX | 29 | $ 2,902,000 | $ 100,068 | $ 81,000 |
| Gainesville, GA | 28 | $ 3,920,000 | $ 140,000 | $ 58,000 |
| Mount Vernon-Anacortes, WA | 28 | $ 4,826,000 | $ 172,357 | $ 92,000 |
| Omaha-Council Bluffs, NE-IA | 28 | $ 2,292,000 | $ 81,857 | $ 72,000 |
| Parkersburg-Marietta, WV-OH | 28 | $ 1,875,000 | $ 66,964 | $ 38,000 |
| Punta Gorda, FL | 28 | $ 4,139,000 | $ 147,821 | $ 69,000 |
| Champaign-Urbana, IL | 27 | $ 3,356,000 | $ 124,296 | $ 64,000 |
| Danville, IL | 27 | $ 1,318,000 | $ 48,814 | $ 53,000 |
| Mansfield, OH | 27 | $ 1,986,000 | $ 73,555 | $ 51,000 |
| Barnstable Town, MA | 26 | $ 7,074,000 | $ 272,076 | $ 88,000 |
| Idaho Falls, ID | 26 | $ 3,187,000 | $ 122,576 | $ 55,000 |
| Lafayette, IN | 26 | $ 1,743,000 | $ 67,038 | $ 52,000 |
| Sioux City, IA-NE-SD | 26 | $ 1,588,000 | $ 61,076 | $ 42,000 |
| Dalton, GA | 25 | $ 4,066,000 | $ 162,640 | $ 58,000 |
| Huntington-Ashland, WV-KY-OH | 25 | $ 1,763,000 | $ 70,520 | $ 33,000 |
| Rome, GA | 25 | $ 2,299,000 | $ 91,960 | $ 46,000 |
| San Luis Obispo-Paso Robles, CA | 25 | $ 10,906,000 | $ 436,240 | $ 149,000 |
| Abilene, TX | 24 | $ 2,532,000 | $ 105,500 | $ 76,000 |
| Cedar Rapids, IA | 24 | $ 1,677,000 | $ 69,875 | $ 37,000 |
| College Station-Bryan, TX | 24 | $ 2,392,000 | $ 99,666 | $ 86,000 |
| Jonesboro, AR | 24 | $ 1,891,000 | $ 78,791 | $ 64,000 |
| Logan, UT-ID | 24 | $ 4,111,000 | $ 171,291 | $ 64,000 |
| Oshkosh-Neenah, WI | 24 | $ 2,660,000 | $ 110,833 | $ 49,000 |
| Amarillo, TX | 23 | $ 1,937,000 | $ 84,217 | $ 64,000 |
| Bay City, MI | 23 | $ 1,798,000 | $ 78,173 | $ 46,000 |
| Monroe, MI | 23 | $ 2,699,000 | $ 117,347 | $ 79,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 23 | $ 2,762,000 | $ 120,086 | $ 69,000 |
| Pocatello, ID | 23 | $ 2,081,000 | $ 90,478 | $ 51,000 |
| Columbia, MO | 22 | $ 2,041,000 | $ 92,772 | $ 85,000 |
| Elizabethtown, KY | 22 | $ 1,482,000 | $ 67,363 | $ 51,000 |
| Fayetteville, NC | 22 | $ 1,978,000 | $ 89,909 | $ 71,000 |
| Greenville, NC | 22 | $ 3,460,000 | $ 157,272 | $ 152,000 |
| Lebanon, PA | 22 | $ 2,426,000 | $ 110,272 | $ 49,000 |
| Pascagoula, MS | 22 | $ 1,601,000 | $ 72,772 | $ 38,000 |
| Valdosta, GA | 22 | $ 1,745,000 | $ 79,318 | $ 46,000 |
| Wausau, WI | 22 | $ 1,741,000 | $ 79,136 | $ 49,000 |
| Iowa City, IA | 21 | $ 2,915,000 | $ 138,809 | $ 91,000 |
| Jackson, TN | 21 | $ 2,003,000 | $ 95,380 | $ 52,000 |
| Jefferson City, MO | 21 | $ 1,933,000 | $ 92,047 | $ 56,000 |
| Medford, OR | 21 | $ 4,475,000 | $ 213,095 | $ 75,000 |
| Bloomington-Normal, IL | 20 | $ 2,433,000 | $ 121,650 | $ 65,000 |
| Columbus, IN | 20 | $ 1,490,000 | $ 74,500 | $ 49,000 |
| Dothan, AL | 20 | $ 1,540,000 | $ 77,000 | $ 38,000 |
| Dover, DE | 20 | $ 2,905,000 | $ 145,250 | $ 61,000 |
| Sumter, SC | 20 | $ 1,311,000 | $ 65,550 | $ 41,000 |
| Anniston-Oxford, AL | 19 | $ 1,479,000 | $ 77,842 | $ 47,000 |
| Lafayette, LA | 19 | $ 1,521,000 | $ 80,052 | $ 62,000 |
| Appleton, WI | 18 | $ 1,809,000 | $ 100,500 | $ 51,000 |
| Athens-Clarke County, GA | 18 | $ 2,182,000 | $ 121,222 | $ 53,000 |
| Longview, TX | 18 | $ 1,241,000 | $ 68,944 | $ 79,000 |
| Morristown, TN | 18 | $ 2,219,000 | $ 123,277 | $ 59,000 |
| Sandusky, OH | 18 | $ 2,118,000 | $ 117,666 | $ 79,000 |
| Texarkana, Tx-Texarkana, AR | 18 | $ 1,079,000 | $ 59,944 | $ 41,000 |
| Kingsport-Bristol-Bristol, TN-VA | 17 | $ 1,835,000 | $ 107,941 | $ 49,000 |
| Wheeling, WV-OH | 17 | $ 1,580,000 | $ 92,941 | $ 42,000 |
| Williamsport, PA | 17 | $ 1,610,000 | $ 94,705 | $ 60,000 |
| Clarksville, TN-KY | 16 | $ 1,467,000 | $ 91,687 | $ 51,000 |
| Davenport-Moline-Rock Island, IA-IL | 16 | $ 1,347,000 | $ 84,187 | $ 38,000 |
| Johnstown, PA | 16 | $ 971,000 | $ 60,687 | $ 30,000 |
| Kokomo, IN | 16 | $ 1,624,000 | $ 101,500 | $ 57,000 |
| San Angelo, TX | 16 | $ 1,342,000 | $ 83,875 | $ 61,000 |
| State College, PA | 16 | $ 2,341,000 | $ 146,312 | $ 74,000 |
| Anderson, SC | 15 | $ 1,062,000 | $ 70,800 | $ 67,000 |
| Bangor, ME | 15 | $ 2,051,000 | $ 136,733 | $ 72,000 |
| Bend, OR | 15 | $ 3,095,000 | $ 206,333 | $ 94,000 |
| Sherman-Denison, TX | 15 | $ 1,076,000 | $ 71,733 | $ 87,000 |
| Weirton-Steubenville, WV-OH | 15 | $ 854,000 | $ 56,933 | $ 35,000 |
| Asheville, NC | 14 | $ 2,474,000 | $ 176,714 | $ 98,000 |
| Blacksburg-Christiansburg-Radford, VA | 14 | $ 1,453,000 | $ 103,785 | $ 60,000 |
| Casper, WY | 14 | $ 958,000 | $ 68,428 | $ 44,000 |
| Cleveland, TN | 14 | $ 1,616,000 | $ 115,428 | $ 48,000 |
| Johnson City, TN | 14 | $ 1,380,000 | $ 98,571 | $ 41,000 |
| Binghamton, NY | 13 | $ 1,320,000 | $ 101,538 | $ 53,000 |
| Carson City, NV | 13 | $ 3,092,000 | $ 237,846 | $ 100,000 |
| Fort Smith, AR-OK | 13 | $ 1,164,000 | $ 89,538 | $ 53,000 |
| Las Cruces, NM | 13 | $ 1,713,000 | $ 131,769 | $ 69,000 |
| Sheboygan, WI | 13 | $ 1,066,000 | $ 82,000 | $ 39,000 |
| Wilmington, NC | 13 | $ 2,025,000 | $ 155,769 | $ 137,000 |
| Auburn-Opelika, AL | 12 | $ 1,388,000 | $ 115,666 | $ 84,000 |
| Bloomington, IN | 12 | $ 1,823,000 | $ 151,916 | $ 59,000 |
| Cumberland, MD-WV | 12 | $ 767,000 | $ 63,916 | $ 46,000 |
| Great Falls, MT | 12 | $ 1,411,000 | $ 117,583 | $ 61,000 |
| Bowling Green, KY | 11 | $ 843,000 | $ 76,636 | $ 160,000 |
| Corvallis, OR | 10 | $ 1,165,000 | $ 116,500 | $ 239,000 |
| Fond Du Lac, WI | 10 | $ 1,107,000 | $ 110,700 | $ 76,000 |
| Manchester-Nashua, NH | 10 | $ 2,195,000 | $ 219,500 | $ 85,000 |
| Kingston, NY | 9 | $ 1,949,000 | $ 216,555 | $ 65,000 |
| Brunswick, GA | 8 | $ 613,000 | $ 76,625 | $ 40,000 |
| Odessa, TX | 8 | $ 883,000 | $ 110,375 | $ 111,000 |
| Fargo, ND-MN | 7 | $ 602,000 | $ 86,000 | $ 46,000 |
| Hinesville-Fort Stewart, GA | 7 | $ 517,000 | $ 73,857 | $ 42,000 |
| Jacksonville, NC | 7 | $ 1,444,000 | $ 206,285 | $ 110,000 |
| Morgantown, WV | 7 | $ 1,050,000 | $ 150,000 | $ 79,000 |
| Victoria, TX | 7 | $ 397,000 | $ 56,714 | $ 48,000 |
| Wichita Falls, TX | 7 | $ 777,000 | $ 111,000 | $ 81,000 |
| La Crosse, WI-MN | 6 | $ 510,000 | $ 85,000 | $ 38,000 |
| Syracuse, NY | 6 | $ 815,000 | $ 135,833 | $ 104,000 |
| Burlington-South Burlington, VT | 5 | $ 956,000 | $ 191,200 | $ 57,000 |
| Glens Falls, NY | 5 | $ 516,000 | $ 103,200 | $ 57,000 |
| Harrisonburg, VA | 5 | $ 675,000 | $ 135,000 | $ 48,000 |
| Lawrence, KS | 5 | $ 691,000 | $ 138,200 | $ 51,000 |
| Lewiston-Auburn, ME | 5 | $ 375,000 | $ 75,000 | $ 41,000 |
| Ithaca, NY | 4 | $ 694,000 | $ 173,500 | $ 61,000 |
| Lincoln, NE | 4 | $ 334,000 | $ 83,500 | $ 66,000 |
| Goldsboro, NC | 3 | $ 224,000 | $ 74,666 | $ 84,000 |
| Utica-Rome, NY | 3 | $ 163,000 | $ 54,333 | $ 81,000 |
| Elmira, NY | 2 | $ 167,000 | $ 83,500 | $ 48,000 |
| Lewiston, ID-WA | 2 | $ 86,000 | $ 43,000 | $ 44,000 |
| Bismarck, ND | 1 | $ 200,000 | $ 200,000 | $ 90,000 |
| Pittsfield, MA | 1 | $ 88,000 | $ 88,000 | $ 35,000 |
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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