Full Spectrum Lending Mortgage Lending & HMDA Data, 2003

In 2003, Full Spectrum Lending of Pasadena, CA reported 130,013 mortgage applications totaling $20.6 billion. The average application was for $158,301, and applicants reported an average income of $67,632. 35% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Los Angeles-Long Beach, CA (8,998), Riverside-San Bernardino, CA (5,086) and Chicago, IL (3,495) (applications in parentheses).

Mortgage Company & Address Full Spectrum Lending
35 N. Lake Avenue Ms 55-11
Pasadena, CA 91101
Tel #: available with data download
Federal Regulator * available with data download
Years 2003  
Total Number of Mortgage Applications 130,013
Total Mortgage Loan Application Amount $20,581,202,000
Average Mortgage Loan Application Amount $158,301
Highest Mortgage Loan Application Amount $6,000,000
Average Applicant Income $67,632
Highest Applicant Income $4,545,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Full Spectrum Lending filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Full Spectrum Lending by County in 2003

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Los Angeles, California 8,998 $ 2,019,866,000 $ 224,479 $ 87,000
Riverside, California 2,635 $ 492,376,000 $ 186,859 $ 85,000
San Bernardino, California 2,451 $ 410,153,000 $ 167,341 $ 73,000
Cook, Illinois 2,153 $ 339,949,000 $ 157,895 $ 72,000
San Diego, California 1,965 $ 496,465,000 $ 252,653 $ 89,000
Harris, Texas 1,696 $ 189,068,000 $ 111,478 $ 71,000
Maricopa, Arizona 1,533 $ 214,952,000 $ 140,216 $ 62,000
Clark, Nevada 1,455 $ 231,086,000 $ 158,821 $ 71,000
Orange, California 1,447 $ 402,264,000 $ 277,998 $ 98,000
Miami-Dade, Florida 1,440 $ 214,325,000 $ 148,836 $ 70,000
Sacramento, California 1,375 $ 252,883,000 $ 183,914 $ 65,000
Wayne, Michigan 1,301 $ 132,859,000 $ 102,120 $ 59,000
Broward, Florida 1,285 $ 197,937,000 $ 154,036 $ 67,000
Dallas, Texas 1,117 $ 131,650,000 $ 117,860 $ 68,000
Suffolk, New York 1,080 $ 236,769,000 $ 219,230 $ 88,000
Honolulu, Hawaii 983 $ 229,944,000 $ 233,920 $ 86,000
King, Washington 950 $ 204,977,000 $ 215,765 $ 84,000
Fresno, California 857 $ 113,592,000 $ 132,546 $ 62,000
Ventura, California 850 $ 233,899,000 $ 275,175 $ 85,000
Palm Beach, Florida 784 $ 121,192,000 $ 154,581 $ 66,000
Contra Costa, California 766 $ 196,976,000 $ 257,148 $ 89,000
Orange, Florida 761 $ 95,016,000 $ 124,856 $ 60,000
Nassau, New York 723 $ 186,791,000 $ 258,355 $ 94,000
Middlesex, Massachusetts 720 $ 175,086,000 $ 243,175 $ 93,000
Kern, California 708 $ 85,448,000 $ 120,689 $ 65,000
Alameda, California 697 $ 197,238,000 $ 282,981 $ 98,000
Tarrant, Texas 689 $ 81,286,000 $ 117,976 $ 71,000
Duval, Florida 652 $ 69,541,000 $ 106,657 $ 59,000
Oakland, Michigan 639 $ 114,640,000 $ 179,405 $ 89,000
Pierce, Washington 636 $ 96,627,000 $ 151,929 $ 62,000
Queens, New York 633 $ 149,248,000 $ 235,778 $ 76,000
San Joaquin, California 613 $ 121,360,000 $ 197,977 $ 73,000
Prince George's, Maryland 598 $ 106,171,000 $ 177,543 $ 73,000
Salt Lake, Utah 594 $ 96,444,000 $ 162,363 $ 59,000
Hillsborough, Florida 561 $ 67,904,000 $ 121,040 $ 62,000
Plymouth, Massachusetts 546 $ 105,873,000 $ 193,906 $ 73,000
Stanislaus, California 538 $ 90,371,000 $ 167,975 $ 63,000
Pinellas, Florida 538 $ 64,540,000 $ 119,962 $ 60,000
Santa Clara, California 529 $ 179,195,000 $ 338,742 $ 104,000
Worcester, Massachusetts 503 $ 86,662,000 $ 172,290 $ 72,000
Solano, California 501 $ 119,143,000 $ 237,810 $ 82,000
St. Louis, Missouri 491 $ 54,906,000 $ 111,824 $ 55,000
El Paso, Colorado 487 $ 73,168,000 $ 150,242 $ 62,000
Hartford, Connecticut 486 $ 72,233,000 $ 148,627 $ 67,000
Essex, Massachusetts 480 $ 110,100,000 $ 229,375 $ 83,000
Philadelphia, Pennsylvania 480 $ 41,340,000 $ 86,125 $ 51,000
Kings, New York 472 $ 115,439,000 $ 244,574 $ 78,000
Middlesex, New Jersey 461 $ 91,472,000 $ 198,420 $ 80,000
Fairfax, Virginia 458 $ 107,764,000 $ 235,292 $ 101,000
New Haven, Connecticut 446 $ 66,484,000 $ 149,067 $ 62,000
Fairfield, Connecticut 442 $ 108,017,000 $ 244,382 $ 86,000
Bexar, Texas 420 $ 42,653,000 $ 101,554 $ 58,000
Monmouth, New Jersey 418 $ 84,769,000 $ 202,796 $ 91,000
Shelby, Tennessee 418 $ 49,541,000 $ 118,519 $ 69,000
Pima, Arizona 414 $ 49,754,000 $ 120,178 $ 57,000
Orleans, Louisiana 409 $ 43,876,000 $ 107,276 $ 55,000
Suffolk, Massachusetts 406 $ 94,456,000 $ 232,650 $ 86,000
Snohomish, Washington 406 $ 78,378,000 $ 193,049 $ 78,000
Essex, New Jersey 401 $ 75,442,000 $ 188,134 $ 91,000
Brevard, Florida 386 $ 40,725,000 $ 105,505 $ 51,000
Jefferson, Louisiana 386 $ 42,913,000 $ 111,173 $ 62,000
Volusia, Florida 372 $ 38,112,000 $ 102,451 $ 58,000
Montgomery, Maryland 372 $ 84,270,000 $ 226,532 $ 82,000
Ocean, New Jersey 366 $ 60,614,000 $ 165,612 $ 77,000
Macomb, Michigan 363 $ 54,591,000 $ 150,388 $ 69,000
Westchester, New York 359 $ 108,598,000 $ 302,501 $ 103,000
DuPage, Illinois 358 $ 70,565,000 $ 197,108 $ 88,000
Hennepin, Minnesota 358 $ 62,394,000 $ 174,284 $ 71,000
Allegheny, Pennsylvania 354 $ 36,089,000 $ 101,946 $ 52,000
Cuyahoga, Ohio 349 $ 41,765,000 $ 119,670 $ 60,000
Arapahoe, Colorado 348 $ 63,466,000 $ 182,373 $ 78,000
Davidson, Tennessee 346 $ 41,752,000 $ 120,670 $ 51,000
Collin, Texas 339 $ 53,401,000 $ 157,525 $ 95,000
Travis, Texas 337 $ 53,597,000 $ 159,041 $ 80,000
Fort Bend, Texas 332 $ 41,008,000 $ 123,518 $ 78,000
Will, Illinois 329 $ 55,435,000 $ 168,495 $ 73,000
Norfolk, Massachusetts 326 $ 78,993,000 $ 242,309 $ 103,000
Prince William, Virginia 326 $ 61,802,000 $ 189,576 $ 68,000
Jefferson, Colorado 323 $ 67,839,000 $ 210,027 $ 76,000
Hampden, Massachusetts 319 $ 36,425,000 $ 114,184 $ 50,000
Bristol, Massachusetts 318 $ 57,385,000 $ 180,455 $ 70,000
DeKalb, Georgia 317 $ 40,849,000 $ 128,861 $ 67,000
Lee, Florida 315 $ 40,977,000 $ 130,085 $ 60,000
Union, New Jersey 313 $ 59,023,000 $ 188,571 $ 78,000
Jackson, Missouri 312 $ 30,445,000 $ 97,580 $ 54,000
Monterey, California 311 $ 86,626,000 $ 278,540 $ 94,000
Washoe, Nevada 307 $ 49,306,000 $ 160,605 $ 65,000
Baltimore, Maryland 306 $ 47,175,000 $ 154,166 $ 81,000
Adams, Colorado 305 $ 52,506,000 $ 172,150 $ 57,000
San Mateo, California 302 $ 99,909,000 $ 330,824 $ 120,000
Bernalillo, New Mexico 301 $ 39,118,000 $ 129,960 $ 59,000
Jefferson, Alabama 298 $ 29,463,000 $ 98,869 $ 53,000
Bergen, New Jersey 296 $ 79,250,000 $ 267,736 $ 104,000
Multnomah, Oregon 296 $ 44,144,000 $ 149,135 $ 65,000
Seminole, Florida 292 $ 37,537,000 $ 128,551 $ 64,000
Denver, Colorado 287 $ 49,370,000 $ 172,020 $ 61,000
Denton, Texas 286 $ 40,876,000 $ 142,923 $ 70,000
Hillsborough, New Hampshire 284 $ 46,929,000 $ 165,242 $ 66,000
Milwaukee, Wisconsin 283 $ 25,743,000 $ 90,964 $ 50,000
Mecklenburg, North Carolina 282 $ 38,755,000 $ 137,429 $ 80,000
Sonoma, California 280 $ 78,869,000 $ 281,675 $ 91,000
Tulare, California 278 $ 32,993,000 $ 118,679 $ 65,000
Fulton, Georgia 276 $ 46,687,000 $ 169,155 $ 77,000
Marion, Indiana 273 $ 27,337,000 $ 100,135 $ 48,000
Franklin, Ohio 273 $ 31,248,000 $ 114,461 $ 57,000
Virginia Beach, Virginia 271 $ 38,392,000 $ 141,667 $ 65,000
Jefferson, Kentucky 268 $ 29,878,000 $ 111,485 $ 49,000
Tulsa, Oklahoma 266 $ 29,239,000 $ 109,921 $ 59,000
Providence, Rhode Island 266 $ 38,862,000 $ 146,097 $ 61,000
Lake, Illinois 261 $ 53,946,000 $ 206,689 $ 91,000
Bucks, Pennsylvania 260 $ 45,965,000 $ 176,788 $ 71,000
Hamilton, Ohio 255 $ 28,941,000 $ 113,494 $ 51,000
Polk, Florida 252 $ 24,021,000 $ 95,321 $ 56,000
Oklahoma, Oklahoma 251 $ 26,299,000 $ 104,776 $ 67,000
Anne Arundel, Maryland 247 $ 44,628,000 $ 180,680 $ 81,000
Montgomery, Pennsylvania 247 $ 39,742,000 $ 160,898 $ 82,000
Hawaii, Hawaii 240 $ 42,749,000 $ 178,120 $ 66,000
Cobb, Georgia 237 $ 34,956,000 $ 147,493 $ 70,000
Placer, California 234 $ 56,743,000 $ 242,491 $ 96,000
New Castle, Delaware 233 $ 33,625,000 $ 144,313 $ 63,000
Santa Barbara, California 230 $ 59,941,000 $ 260,613 $ 99,000
Orange, New York 229 $ 40,987,000 $ 178,982 $ 80,000
Montgomery, Ohio 223 $ 21,827,000 $ 97,878 $ 53,000
Camden, New Jersey 220 $ 27,601,000 $ 125,459 $ 59,000
Montgomery, Texas 219 $ 27,336,000 $ 124,821 $ 73,000
Burlington, New Jersey 216 $ 33,866,000 $ 156,787 $ 63,000
Passaic, New Jersey 216 $ 45,068,000 $ 208,648 $ 81,000
El Paso, Texas 216 $ 19,672,000 $ 91,074 $ 55,000
Gwinnett, Georgia 215 $ 33,731,000 $ 156,888 $ 68,000
Rockingham, New Hampshire 214 $ 39,906,000 $ 186,476 $ 68,000
Barnstable, Massachusetts 211 $ 42,479,000 $ 201,322 $ 74,000
Utah, Utah 210 $ 37,234,000 $ 177,304 $ 69,000
Mercer, New Jersey 206 $ 35,077,000 $ 170,276 $ 75,000
Pasco, Florida 202 $ 20,719,000 $ 102,569 $ 48,000
Ada, Idaho 202 $ 26,411,000 $ 130,747 $ 67,000
Monroe, Pennsylvania 200 $ 30,285,000 $ 151,425 $ 76,000
Rockland, New York 195 $ 51,291,000 $ 263,030 $ 106,000
Hudson, New Jersey 194 $ 37,513,000 $ 193,365 $ 68,000
Maui, Hawaii 191 $ 45,793,000 $ 239,753 $ 77,000
Kent, Michigan 191 $ 23,483,000 $ 122,947 $ 53,000
Kane, Illinois 190 $ 33,153,000 $ 174,489 $ 80,000
Merced, California 188 $ 28,794,000 $ 153,159 $ 60,000
Richmond, New York 188 $ 44,696,000 $ 237,744 $ 94,000
Johnson, Kansas 187 $ 35,111,000 $ 187,759 $ 92,000
Chesterfield, Virginia 187 $ 24,881,000 $ 133,053 $ 68,000
Summit, Ohio 186 $ 21,176,000 $ 113,849 $ 66,000
Baltimore City, Maryland 185 $ 15,173,000 $ 82,016 $ 51,000
Weld, Colorado 183 $ 30,436,000 $ 166,316 $ 66,000
Lake, Indiana 180 $ 18,920,000 $ 105,111 $ 63,000
Morris, New Jersey 178 $ 43,659,000 $ 245,275 $ 97,000
Delaware, Pennsylvania 178 $ 21,866,000 $ 122,842 $ 65,000
East Baton Rouge, Louisiana 177 $ 19,845,000 $ 112,118 $ 53,000
Osceola, Florida 176 $ 20,461,000 $ 116,255 $ 56,000
Erie, New York 176 $ 18,836,000 $ 107,022 $ 69,000
Genesee, Michigan 174 $ 17,595,000 $ 101,120 $ 46,000
Dutchess, New York 169 $ 34,633,000 $ 204,928 $ 83,000
Ramsey, Minnesota 168 $ 24,697,000 $ 147,005 $ 57,000
York, Pennsylvania 168 $ 19,186,000 $ 114,202 $ 54,000
Collier, Florida 167 $ 27,166,000 $ 162,670 $ 58,000
San Francisco, California 166 $ 54,626,000 $ 329,072 $ 96,000
Manatee, Florida 166 $ 22,214,000 $ 133,819 $ 56,000
Sarasota, Florida 166 $ 22,181,000 $ 133,620 $ 63,000
Henrico, Virginia 161 $ 19,902,000 $ 123,614 $ 54,000
Polk, Iowa 159 $ 15,830,000 $ 99,559 $ 53,000
Bronx, New York 159 $ 35,908,000 $ 225,836 $ 78,000
Clark, Washington 159 $ 24,309,000 $ 152,886 $ 69,000
Wake, North Carolina 158 $ 22,789,000 $ 144,234 $ 62,000
Winnebago, Illinois 156 $ 15,828,000 $ 101,461 $ 52,000
St. Louis City, Missouri 156 $ 12,014,000 $ 77,012 $ 41,000
Kitsap, Washington 156 $ 25,909,000 $ 166,083 $ 60,000
Mohave, Arizona 151 $ 14,963,000 $ 99,092 $ 50,000
El Dorado, California 151 $ 37,112,000 $ 245,774 $ 111,000
Galveston, Texas 151 $ 16,110,000 $ 106,688 $ 69,000
St. Tammany, Louisiana 150 $ 18,761,000 $ 125,073 $ 67,000
Clackamas, Oregon 150 $ 25,804,000 $ 172,026 $ 81,000
Atlantic, New Jersey 149 $ 20,213,000 $ 135,657 $ 60,000
Nueces, Texas 149 $ 14,531,000 $ 97,523 $ 59,000
Lake, Florida 148 $ 16,958,000 $ 114,581 $ 54,000
Williamson, Texas 148 $ 20,434,000 $ 138,067 $ 78,000
Lucas, Ohio 147 $ 15,500,000 $ 105,442 $ 62,000
Hamilton, Tennessee 145 $ 14,710,000 $ 101,448 $ 51,000
Davis, Utah 145 $ 26,350,000 $ 181,724 $ 79,000
Anoka, Minnesota 143 $ 22,162,000 $ 154,979 $ 68,000
St. Charles, Missouri 143 $ 18,292,000 $ 127,916 $ 65,000
Somerset, New Jersey 142 $ 30,368,000 $ 213,859 $ 128,000
Imperial, California 141 $ 17,278,000 $ 122,539 $ 67,000
Marion, Oregon 141 $ 19,604,000 $ 139,035 $ 57,000
Washington, Oregon 140 $ 23,944,000 $ 171,028 $ 74,000
Chesapeake, Virginia 140 $ 19,581,000 $ 139,864 $ 75,000
St. Lucie, Florida 139 $ 15,142,000 $ 108,935 $ 54,000
Washtenaw, Michigan 138 $ 24,057,000 $ 174,326 $ 87,000
Dakota, Minnesota 136 $ 24,827,000 $ 182,551 $ 70,000
Pueblo, Colorado 135 $ 13,714,000 $ 101,585 $ 50,000
Cumberland, Maine 135 $ 19,238,000 $ 142,503 $ 57,000
Hidalgo, Texas 135 $ 12,242,000 $ 90,681 $ 61,000
Mobile, Alabama 134 $ 13,479,000 $ 100,589 $ 59,000
Gloucester, New Jersey 133 $ 16,310,000 $ 122,631 $ 64,000
Chester, Pennsylvania 133 $ 23,193,000 $ 174,383 $ 67,000
Rutherford, Tennessee 133 $ 14,612,000 $ 109,864 $ 55,000
Brazoria, Texas 133 $ 14,323,000 $ 107,691 $ 71,000
Butte, California 131 $ 18,373,000 $ 140,251 $ 44,000
DeSoto, Mississippi 131 $ 15,637,000 $ 119,366 $ 62,000
Thurston, Washington 131 $ 19,097,000 $ 145,778 $ 67,000
Madera, California 129 $ 18,935,000 $ 146,782 $ 87,000
Larimer, Colorado 129 $ 25,154,000 $ 194,992 $ 83,000
McHenry, Illinois 129 $ 23,136,000 $ 179,348 $ 90,000
Marion, Florida 128 $ 11,536,000 $ 90,125 $ 48,000
Hinds, Mississippi 128 $ 10,697,000 $ 83,570 $ 46,000
Loudoun, Virginia 128 $ 29,899,000 $ 233,585 $ 93,000
Kent, Rhode Island 127 $ 18,621,000 $ 146,622 $ 88,000
Guilford, North Carolina 125 $ 16,128,000 $ 129,024 $ 64,000
Spokane, Washington 125 $ 12,757,000 $ 102,056 $ 58,000
Douglas, Colorado 123 $ 30,738,000 $ 249,902 $ 102,000
Sedgwick, Kansas 123 $ 11,573,000 $ 94,089 $ 72,000
Butler, Ohio 123 $ 15,073,000 $ 122,544 $ 58,000
Northampton, Pennsylvania 123 $ 14,619,000 $ 118,853 $ 61,000
Frederick, Maryland 122 $ 21,997,000 $ 180,303 $ 77,000
Harford, Maryland 122 $ 21,626,000 $ 177,262 $ 100,000
Cochise, Arizona 121 $ 12,693,000 $ 104,900 $ 65,000
Monroe, New York 121 $ 12,511,000 $ 103,396 $ 76,000
Sumner, Tennessee 121 $ 13,854,000 $ 114,495 $ 56,000
San Luis Obispo, California 118 $ 31,966,000 $ 270,898 $ 108,000
Jackson, Oregon 118 $ 17,439,000 $ 147,788 $ 62,000
Ellis, Texas 118 $ 14,376,000 $ 121,830 $ 77,000
Yavapai, Arizona 117 $ 14,973,000 $ 127,974 $ 92,000
Yolo, California 117 $ 23,200,000 $ 198,290 $ 73,000
Richland, South Carolina 117 $ 13,615,000 $ 116,367 $ 63,000
New London, Connecticut 116 $ 17,146,000 $ 147,810 $ 73,000
Stark, Ohio 116 $ 10,382,000 $ 89,500 $ 47,000
Charlotte, Florida 113 $ 12,650,000 $ 111,946 $ 62,000
Onondaga, New York 113 $ 9,726,000 $ 86,070 $ 54,000
Lancaster, Pennsylvania 113 $ 13,385,000 $ 118,451 $ 55,000
Howard, Maryland 112 $ 25,866,000 $ 230,946 $ 94,000
Weber, Utah 112 $ 13,453,000 $ 120,116 $ 54,000
York, Maine 111 $ 17,457,000 $ 157,270 $ 72,000
Trumbull, Ohio 111 $ 9,812,000 $ 88,396 $ 47,000
Madison, Illinois 109 $ 9,636,000 $ 88,403 $ 49,000
Clayton, Georgia 107 $ 11,452,000 $ 107,028 $ 53,000
St. Joseph, Indiana 107 $ 9,854,000 $ 92,093 $ 49,000
Douglas, Nebraska 107 $ 11,579,000 $ 108,214 $ 66,000
Knox, Tennessee 107 $ 15,047,000 $ 140,626 $ 66,000
Newport News, Virginia 107 $ 11,336,000 $ 105,943 $ 57,000
Pulaski, Arkansas 106 $ 9,815,000 $ 92,594 $ 52,000
Kootenai, Idaho 104 $ 11,523,000 $ 110,798 $ 52,000
Clay, Florida 103 $ 10,641,000 $ 103,310 $ 68,000
Escambia, Florida 103 $ 11,007,000 $ 106,864 $ 56,000
District of Columbia, District Of Columbia 101 $ 27,078,000 $ 268,099 $ 100,000
Berks, Pennsylvania 101 $ 11,645,000 $ 115,297 $ 57,000
Lehigh, Pennsylvania 101 $ 10,789,000 $ 106,821 $ 55,000
Stafford, Virginia 101 $ 19,539,000 $ 193,455 $ 98,000
Lubbock, Texas 100 $ 10,524,000 $ 105,240 $ 74,000
Kenosha, Wisconsin 100 $ 13,336,000 $ 133,360 $ 61,000
Ingham, Michigan 99 $ 11,530,000 $ 116,464 $ 60,000
Greenville, South Carolina 99 $ 11,139,000 $ 112,515 $ 58,000
Madison, Alabama 98 $ 11,797,000 $ 120,377 $ 61,000
Sussex, New Jersey 98 $ 16,832,000 $ 171,755 $ 91,000
Santa Fe, New Mexico 97 $ 17,377,000 $ 179,144 $ 70,000
Harrison, Mississippi 96 $ 8,963,000 $ 93,364 $ 55,000
Lane, Oregon 95 $ 13,233,000 $ 139,294 $ 68,000
Richmond City, Virginia 95 $ 8,328,000 $ 87,663 $ 49,000
Litchfield, Connecticut 94 $ 14,491,000 $ 154,159 $ 72,000
Yakima, Washington 94 $ 11,480,000 $ 122,127 $ 60,000
Santa Cruz, California 93 $ 32,354,000 $ 347,892 $ 108,000
Middlesex, Connecticut 93 $ 16,436,000 $ 176,731 $ 82,000
St. Clair, Illinois 93 $ 8,705,000 $ 93,602 $ 49,000
Hampton, Virginia 93 $ 9,666,000 $ 103,935 $ 54,000
Charleston, South Carolina 92 $ 12,335,000 $ 134,076 $ 52,000
Boulder, Colorado 91 $ 19,406,000 $ 213,252 $ 70,000
Bell, Texas 91 $ 7,905,000 $ 86,868 $ 49,000
Waukesha, Wisconsin 91 $ 14,689,000 $ 161,417 $ 65,000
Mesa, Colorado 90 $ 12,537,000 $ 139,300 $ 57,000
Jefferson, Missouri 90 $ 9,513,000 $ 105,700 $ 53,000
Cleveland, Oklahoma 90 $ 9,192,000 $ 102,133 $ 55,000
Sussex, Delaware 89 $ 11,703,000 $ 131,494 $ 54,000
Charles, Maryland 89 $ 15,536,000 $ 174,561 $ 75,000
Merrimack, New Hampshire 89 $ 13,716,000 $ 154,112 $ 80,000
Fayette, Kentucky 88 $ 9,847,000 $ 111,897 $ 67,000
Ulster, New York 88 $ 12,617,000 $ 143,375 $ 68,000
Marin, California 87 $ 31,691,000 $ 364,264 $ 122,000
Cumberland, North Carolina 87 $ 7,528,000 $ 86,528 $ 53,000
Dauphin, Pennsylvania 87 $ 9,335,000 $ 107,298 $ 62,000
Norfolk, Virginia 87 $ 8,785,000 $ 100,977 $ 58,000
Alachua, Florida 86 $ 9,523,000 $ 110,732 $ 66,000
Spotsylvania, Virginia 86 $ 13,476,000 $ 156,697 $ 73,000
Westmoreland, Pennsylvania 85 $ 8,540,000 $ 100,470 $ 49,000
Shasta, California 84 $ 12,868,000 $ 153,190 $ 66,000
Muskegon, Michigan 84 $ 8,131,000 $ 96,797 $ 48,000
Cameron, Texas 84 $ 7,751,000 $ 92,273 $ 58,000
Lake, Ohio 83 $ 8,920,000 $ 107,469 $ 50,000
Montgomery, Alabama 82 $ 7,900,000 $ 96,341 $ 53,000
St. Johns, Florida 82 $ 10,428,000 $ 127,170 $ 59,000
St. Clair, Michigan 82 $ 10,068,000 $ 122,780 $ 50,000
Canyon, Idaho 81 $ 8,535,000 $ 105,370 $ 51,000
Hernando, Florida 80 $ 8,459,000 $ 105,737 $ 47,000
Leon, Florida 80 $ 9,928,000 $ 124,100 $ 66,000
Wyandotte, Kansas 80 $ 6,370,000 $ 79,625 $ 45,000
Dane, Wisconsin 80 $ 11,796,000 $ 147,450 $ 72,000
Kauai, Hawaii 78 $ 19,515,000 $ 250,192 $ 102,000
Livingston, Michigan 77 $ 15,131,000 $ 196,506 $ 80,000
Kings, California 76 $ 8,848,000 $ 116,421 $ 61,000
Napa, California 76 $ 21,452,000 $ 282,263 $ 104,000
Bay, Florida 76 $ 9,368,000 $ 123,263 $ 64,000
Cherokee, Georgia 76 $ 11,381,000 $ 149,750 $ 61,000
Peoria, Illinois 76 $ 6,854,000 $ 90,184 $ 53,000
Lorain, Ohio 76 $ 8,487,000 $ 111,671 $ 52,000
Lexington, South Carolina 76 $ 7,953,000 $ 104,644 $ 68,000
Henry, Georgia 75 $ 10,934,000 $ 145,786 $ 74,000
Smith, Texas 75 $ 6,629,000 $ 88,386 $ 54,000
Martin, Florida 74 $ 13,535,000 $ 182,905 $ 67,000
Okaloosa, Florida 74 $ 9,149,000 $ 123,635 $ 69,000
Washington, Minnesota 74 $ 16,425,000 $ 221,959 $ 125,000
Horry, South Carolina 74 $ 8,904,000 $ 120,324 $ 53,000
Chatham, Georgia 73 $ 9,761,000 $ 133,712 $ 59,000
Putnam, New York 73 $ 16,520,000 $ 226,301 $ 111,000
Warren, Ohio 73 $ 10,851,000 $ 148,643 $ 65,000
Kanawha, West Virginia 73 $ 6,667,000 $ 91,328 $ 49,000
Beaver, Pennsylvania 72 $ 7,189,000 $ 99,847 $ 67,000
Saratoga, New York 71 $ 9,468,000 $ 133,352 $ 79,000
Lake, California 70 $ 10,175,000 $ 145,357 $ 60,000
Sutter, California 70 $ 9,914,000 $ 141,628 $ 56,000
Allen, Indiana 70 $ 8,090,000 $ 115,571 $ 56,000
Cumberland, Pennsylvania 70 $ 7,654,000 $ 109,342 $ 54,000
Shelby, Alabama 68 $ 11,116,000 $ 163,470 $ 70,000
Yuma, Arizona 68 $ 6,791,000 $ 99,867 $ 49,000
Tolland, Connecticut 68 $ 10,229,000 $ 150,426 $ 66,000
Linn, Iowa 68 $ 7,169,000 $ 105,426 $ 52,000
Caddo, Louisiana 68 $ 6,473,000 $ 95,191 $ 57,000
Dona Ana, New Mexico 68 $ 8,041,000 $ 118,250 $ 66,000
Clermont, Ohio 68 $ 8,381,000 $ 123,250 $ 56,000
Washington, Utah 68 $ 9,338,000 $ 137,323 $ 67,000
Whatcom, Washington 68 $ 11,132,000 $ 163,705 $ 68,000
Pinal, Arizona 67 $ 8,336,000 $ 124,417 $ 57,000
Windham, Connecticut 67 $ 9,041,000 $ 134,940 $ 62,000
Durham, North Carolina 67 $ 9,409,000 $ 140,432 $ 78,000
Washington, Pennsylvania 67 $ 6,317,000 $ 94,283 $ 49,000
Kent, Delaware 66 $ 8,407,000 $ 127,378 $ 56,000
Jackson, Michigan 66 $ 7,032,000 $ 106,545 $ 52,000
Monroe, Michigan 66 $ 8,847,000 $ 134,045 $ 65,000
Racine, Wisconsin 66 $ 7,415,000 $ 112,348 $ 63,000
Rock, Wisconsin 66 $ 6,394,000 $ 96,878 $ 48,000
Carroll, Maryland 65 $ 11,787,000 $ 181,338 $ 76,000
Nye, Nevada 65 $ 7,057,000 $ 108,569 $ 54,000
Calhoun, Michigan 64 $ 5,151,000 $ 80,484 $ 52,000
Kalamazoo, Michigan 64 $ 5,640,000 $ 88,125 $ 56,000
Niagara, New York 64 $ 5,789,000 $ 90,453 $ 62,000
Flagler, Florida 63 $ 7,181,000 $ 113,984 $ 58,000
Clay, Missouri 63 $ 7,579,000 $ 120,301 $ 59,000
Greene, Missouri 63 $ 6,334,000 $ 100,539 $ 42,000
Pike, Pennsylvania 63 $ 7,636,000 $ 121,206 $ 51,000
McLennan, Texas 63 $ 4,941,000 $ 78,428 $ 61,000
Santa Rosa, Florida 62 $ 6,565,000 $ 105,887 $ 61,000
Hamilton, Indiana 62 $ 10,956,000 $ 176,709 $ 76,000
Ottawa, Michigan 62 $ 7,873,000 $ 126,983 $ 54,000
Rankin, Mississippi 62 $ 7,388,000 $ 119,161 $ 61,000
Jackson, Mississippi 61 $ 5,799,000 $ 95,065 $ 58,000
Mahoning, Ohio 61 $ 5,342,000 $ 87,573 $ 44,000
Luzerne, Pennsylvania 61 $ 5,850,000 $ 95,901 $ 54,000
Benton, Washington 61 $ 8,228,000 $ 134,885 $ 69,000
Shawnee, Kansas 60 $ 5,960,000 $ 99,333 $ 54,000
Warren, New Jersey 60 $ 11,122,000 $ 185,366 $ 72,000
Gaston, North Carolina 60 $ 6,040,000 $ 100,666 $ 47,000
Onslow, North Carolina 60 $ 5,867,000 $ 97,783 $ 50,000
Portage, Ohio 60 $ 7,530,000 $ 125,500 $ 51,000
Montgomery, Tennessee 60 $ 5,769,000 $ 96,150 $ 44,000
Indian River, Florida 59 $ 7,847,000 $ 133,000 $ 62,000
Strafford, New Hampshire 59 $ 8,981,000 $ 152,220 $ 60,000
Union, North Carolina 59 $ 8,192,000 $ 138,847 $ 69,000
Berkeley, South Carolina 59 $ 6,094,000 $ 103,288 $ 55,000
Calaveras, California 58 $ 11,666,000 $ 201,137 $ 90,000
Humboldt, California 58 $ 8,788,000 $ 151,517 $ 59,000
Calvert, Maryland 58 $ 9,738,000 $ 167,896 $ 74,000
Forsyth, North Carolina 58 $ 6,874,000 $ 118,517 $ 51,000
Deschutes, Oregon 58 $ 8,887,000 $ 153,224 $ 64,000
Sheboygan, Wisconsin 58 $ 5,966,000 $ 102,862 $ 60,000
Nevada, California 57 $ 14,015,000 $ 245,877 $ 79,000
Sandoval, New Mexico 57 $ 7,571,000 $ 132,824 $ 58,000
Webb, Texas 56 $ 5,904,000 $ 105,428 $ 71,000
San Benito, California 55 $ 18,493,000 $ 336,236 $ 101,000
Kenton, Kentucky 55 $ 6,486,000 $ 117,927 $ 47,000
Cumberland, New Jersey 55 $ 5,116,000 $ 93,018 $ 55,000
Hunterdon, New Jersey 55 $ 13,514,000 $ 245,709 $ 89,000
Wilson, Tennessee 55 $ 6,521,000 $ 118,563 $ 51,000
Hays, Texas 55 $ 7,703,000 $ 140,054 $ 68,000
Jefferson, Texas 55 $ 4,773,000 $ 86,781 $ 67,000
Saginaw, Michigan 54 $ 4,170,000 $ 77,222 $ 42,000
Olmsted, Minnesota 54 $ 7,188,000 $ 133,111 $ 60,000
Williamson, Tennessee 54 $ 10,258,000 $ 189,962 $ 86,000
Comal, Texas 54 $ 8,017,000 $ 148,462 $ 68,000
Laramie, Wyoming 54 $ 6,459,000 $ 119,611 $ 82,000
Washington, Maryland 53 $ 6,429,000 $ 121,301 $ 61,000
Berrien, Michigan 53 $ 5,694,000 $ 107,433 $ 59,000
Cape May, New Jersey 53 $ 7,262,000 $ 137,018 $ 57,000
Valencia, New Mexico 53 $ 6,714,000 $ 126,679 $ 57,000
Erie, Pennsylvania 53 $ 5,078,000 $ 95,811 $ 42,000
Lackawanna, Pennsylvania 53 $ 5,655,000 $ 106,698 $ 58,000
York, South Carolina 53 $ 8,015,000 $ 151,226 $ 61,000
Scott, Iowa 52 $ 4,996,000 $ 96,076 $ 53,000
Douglas, Nevada 52 $ 11,867,000 $ 228,211 $ 68,000
Medina, Ohio 52 $ 7,921,000 $ 152,326 $ 72,000
Butler, Pennsylvania 52 $ 6,511,000 $ 125,211 $ 59,000
Brown, Wisconsin 52 $ 5,439,000 $ 104,596 $ 58,000
Washington, Rhode Island 51 $ 8,815,000 $ 172,843 $ 79,000
Paulding, Georgia 50 $ 5,727,000 $ 114,540 $ 59,000
Elkhart, Indiana 50 $ 5,036,000 $ 100,720 $ 56,000
Porter, Indiana 50 $ 6,153,000 $ 123,060 $ 71,000
Hampshire, Massachusetts 50 $ 7,033,000 $ 140,660 $ 71,000
Beaufort, South Carolina 50 $ 8,399,000 $ 167,980 $ 66,000
Spartanburg, South Carolina 50 $ 5,754,000 $ 115,080 $ 40,000
Randall, Texas 50 $ 4,656,000 $ 93,120 $ 66,000
Skagit, Washington 50 $ 7,035,000 $ 140,700 $ 56,000
St. Charles, Louisiana 49 $ 5,825,000 $ 118,877 $ 57,000
Oneida, New York 49 $ 3,804,000 $ 77,632 $ 47,000
Buncombe, North Carolina 49 $ 6,897,000 $ 140,755 $ 51,000
Clark, Ohio 49 $ 5,156,000 $ 105,224 $ 53,000
Midland, Texas 49 $ 3,891,000 $ 79,408 $ 67,000
Fauquier, Virginia 49 $ 10,489,000 $ 214,061 $ 80,000
Fremont, Colorado 48 $ 5,947,000 $ 123,895 $ 69,000
Eaton, Michigan 48 $ 5,167,000 $ 107,645 $ 55,000
Warren, New York 48 $ 4,911,000 $ 102,312 $ 53,000
Robertson, Tennessee 48 $ 5,752,000 $ 119,833 $ 55,000
Summit, Utah 48 $ 12,238,000 $ 254,958 $ 137,000
Suffolk, Virginia 48 $ 6,423,000 $ 133,812 $ 67,000
Island, Washington 48 $ 7,938,000 $ 165,375 $ 64,000
Baldwin, Alabama 47 $ 4,576,000 $ 97,361 $ 58,000
Yuba, California 47 $ 6,001,000 $ 127,680 $ 50,000
Johnston, North Carolina 47 $ 5,473,000 $ 116,446 $ 73,000
Dorchester, South Carolina 47 $ 5,077,000 $ 108,021 $ 55,000
Yellowstone, Montana 46 $ 5,277,000 $ 114,717 $ 45,000
Albany, New York 46 $ 5,503,000 $ 119,630 $ 68,000
Eagle, Colorado 45 $ 13,078,000 $ 290,622 $ 101,000
Nez Perce, Idaho 45 $ 3,939,000 $ 87,533 $ 57,000
Linn, Oregon 45 $ 5,899,000 $ 131,088 $ 55,000
Hanover, Virginia 45 $ 6,023,000 $ 133,844 $ 65,000
Tuscaloosa, Alabama 44 $ 5,455,000 $ 123,977 $ 59,000
Benton, Arkansas 44 $ 5,164,000 $ 117,363 $ 62,000
Delaware, Indiana 44 $ 3,580,000 $ 81,363 $ 57,000
Cecil, Maryland 44 $ 6,522,000 $ 148,227 $ 71,000
Lapeer, Michigan 44 $ 6,143,000 $ 139,613 $ 53,000
Cache, Utah 44 $ 5,463,000 $ 124,159 $ 61,000
Garfield, Colorado 43 $ 9,007,000 $ 209,465 $ 71,000
Bonner, Idaho 43 $ 5,289,000 $ 123,000 $ 48,000
Sangamon, Illinois 43 $ 3,887,000 $ 90,395 $ 61,000
Madison, Indiana 43 $ 3,502,000 $ 81,441 $ 49,000
Livingston, Louisiana 43 $ 4,083,000 $ 94,953 $ 45,000
Miami, Ohio 43 $ 4,615,000 $ 107,325 $ 46,000
Citrus, Florida 42 $ 4,284,000 $ 102,000 $ 56,000
Highlands, Florida 42 $ 3,317,000 $ 78,976 $ 43,000
St. Bernard, Louisiana 42 $ 3,724,000 $ 88,666 $ 58,000
Scott, Minnesota 42 $ 8,011,000 $ 190,738 $ 71,000
Lyon, Nevada 42 $ 5,479,000 $ 130,452 $ 46,000
Chautauqua, New York 42 $ 3,511,000 $ 83,595 $ 55,000
Cabarrus, North Carolina 42 $ 4,642,000 $ 110,523 $ 54,000
Franklin, Pennsylvania 42 $ 4,401,000 $ 104,785 $ 55,000
Arlington, Virginia 42 $ 10,203,000 $ 242,928 $ 107,000
Cowlitz, Washington 42 $ 5,335,000 $ 127,023 $ 56,000
Coconino, Arizona 41 $ 6,658,000 $ 162,390 $ 61,000
Franklin, Missouri 41 $ 6,329,000 $ 154,365 $ 138,000
Sarpy, Nebraska 41 $ 5,178,000 $ 126,292 $ 62,000
New Hanover, North Carolina 41 $ 5,210,000 $ 127,073 $ 53,000
Fairfield, Ohio 41 $ 6,098,000 $ 148,731 $ 50,000
Rockwall, Texas 41 $ 7,354,000 $ 179,365 $ 135,000
Portsmouth, Virginia 41 $ 3,904,000 $ 95,219 $ 52,000
Morgan, Alabama 40 $ 3,826,000 $ 95,650 $ 46,000
Nassau, Florida 40 $ 5,016,000 $ 125,400 $ 75,000
Douglas, Georgia 40 $ 4,903,000 $ 122,575 $ 72,000
Androscoggin, Maine 40 $ 4,393,000 $ 109,825 $ 99,000
Barry, Michigan 40 $ 4,479,000 $ 111,975 $ 70,000
Carroll, New Hampshire 40 $ 5,531,000 $ 138,275 $ 58,000
Rensselaer, New York 40 $ 4,693,000 $ 117,325 $ 59,000
Comanche, Oklahoma 40 $ 3,093,000 $ 77,325 $ 72,000
Adams, Pennsylvania 40 $ 4,891,000 $ 122,275 $ 50,000
Cheatham, Tennessee 40 $ 3,925,000 $ 98,125 $ 51,000
Mason, Washington 40 $ 5,113,000 $ 127,825 $ 71,000
Monroe, Florida 39 $ 9,851,000 $ 252,589 $ 110,000
Forsyth, Georgia 39 $ 7,700,000 $ 197,435 $ 75,000
Rock Island, Illinois 39 $ 3,448,000 $ 88,410 $ 50,000
Clark, Indiana 39 $ 4,023,000 $ 103,153 $ 62,000
Leavenworth, Kansas 39 $ 4,335,000 $ 111,153 $ 62,000
St. John the Baptist, Louisiana 39 $ 3,607,000 $ 92,487 $ 55,000
Sullivan, New York 39 $ 4,188,000 $ 107,384 $ 71,000
Pitt, North Carolina 39 $ 3,995,000 $ 102,435 $ 57,000
Ashtabula, Ohio 39 $ 3,294,000 $ 84,461 $ 66,000
Greene, Ohio 39 $ 3,850,000 $ 98,717 $ 50,000
Rogers, Oklahoma 39 $ 4,432,000 $ 113,641 $ 84,000
Lincoln, Oregon 39 $ 5,746,000 $ 147,333 $ 78,000
Aiken, South Carolina 39 $ 3,994,000 $ 102,410 $ 57,000
Henderson, Texas 39 $ 2,845,000 $ 72,948 $ 58,000
Potter, Texas 39 $ 3,807,000 $ 97,615 $ 70,000
Berkeley, West Virginia 39 $ 4,683,000 $ 120,076 $ 55,000
Winnebago, Wisconsin 39 $ 3,967,000 $ 101,717 $ 45,000
Black Hawk, Iowa 38 $ 3,248,000 $ 85,473 $ 43,000
Douglas, Kansas 38 $ 5,015,000 $ 131,973 $ 75,000
Lenawee, Michigan 38 $ 4,605,000 $ 121,184 $ 58,000
Canadian, Oklahoma 38 $ 3,858,000 $ 101,526 $ 55,000
Parker, Texas 38 $ 5,569,000 $ 146,552 $ 86,000
Walworth, Wisconsin 38 $ 4,631,000 $ 121,868 $ 61,000
Van Buren, Michigan 37 $ 4,529,000 $ 122,405 $ 71,000
Wright, Minnesota 37 $ 6,416,000 $ 173,405 $ 69,000
Iredell, North Carolina 37 $ 4,673,000 $ 126,297 $ 68,000
Licking, Ohio 37 $ 4,196,000 $ 113,405 $ 49,000
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Mortgage Loan Application Detail Totals for Full Spectrum Lending 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) 112,593 $18,024,189,000 $136,764 $5,400,000 $62,862 $4,200,000
Home Purchase (one-to-four family) 13,071 $2,068,037,000 $134,440 $6,000,000 $66,960 $4,545,000
Home Improvement (one-to-four family) 4,349 $488,976,000 $110,360 $1,160,000 $60,360 $840,000
Multifamily dwelling (home purchase, home improvement, and refinancings) 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 69,187 $10,816,425,000 $138,862 $6,000,000 $64,509 $4,545,000
Information not provided by applicant in mail or telephone application 22,382 $3,588,434,000 $138,840 $2,270,000 $65,500 $3,600,000
Hispanic 15,111 $2,478,807,000 $130,714 $1,600,000 $57,551 $4,200,000
Black 15,043 $2,077,864,000 $130,468 $1,139,000 $63,574 $900,000
Other 3,641 $658,875,000 $145,860 $5,400,000 $67,560 $1,650,000
Asian or Pacific Islander 3,120 $702,513,000 $168,395 $1,688,000 $87,162 $2,400,000
American Indian or Alaskan Native 1,529 $258,284,000 $135,880 $2,000,000 $65,100 $758,000
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) 130,005 $20,580,494,000 $135,607 $6,000,000 $63,470 $4,545,000
FHA-insured (Federal Housing Administration) 8 $708,000 $92,714 $174,000 $40,285 $82,000
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
Loan Originated 44,982 $7,384,397,000 $137,294 $1,225,000 $64,627 $1,385,000
File Closed For Incompleteness 36,325 $5,880,692,000 $137,320 $5,400,000 $65,280 $4,200,000
Application Withdrawn By Applicant 23,298 $3,666,026,000 $136,240 $3,001,000 $64,740 $4,545,000
Application Denied By Financial Institution 22,545 $3,176,394,000 $129,803 $6,000,000 $60,470 $3,600,000
Application Approved But Not Accepted 2,863 $473,693,000 $143,081 $940,000 $67,183 $1,201,000
Loan Purchased By The 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
Collateral 7,359 $994,374,000 $132,980 $1,600,000 $61,760 $2,000,000
Credit History 4,773 $617,149,000 $126,775 $1,532,000 $60,469 $840,000
Debt-To-Income Ratio 3,315 $519,224,000 $135,980 $2,660,000 $59,000 $828,000
Other 3,287 $485,660,000 $134,274 $6,000,000 $63,764 $3,600,000
Credit Application Incomplete 2,531 $368,358,000 $129,795 $1,000,000 $61,632 $960,000
Unverifiable Information 484 $74,517,000 $145,173 $650,000 $90,500 $600,000
Insufficient Cash (Downpayment, Closing Cost) 395 $58,054,000 $130,731 $1,600,000 $61,317 $407,000
Employment History 376 $55,305,000 $132,000 $911,000 $57,750 $648,000
Mortgage Insurance Denied 17 $2,485,000 $145,888 $475,000 $57,555 $115,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Full Spectrum Lending'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 Full Spectrum Lending'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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