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(HMDA) records Full Spectrum Lending filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles-Long Beach, CA | 8,998 | $ 2,019,866,000 | $ 224,479 | $ 87,000 |
| Riverside-San Bernardino, CA | 5,086 | $ 902,529,000 | $ 177,453 | $ 79,000 |
| Chicago, IL | 3,495 | $ 588,935,000 | $ 168,507 | $ 80,000 |
| Detroit, MI | 2,495 | $ 327,148,000 | $ 131,121 | $ 68,000 |
| Houston, TX | 2,297 | $ 261,908,000 | $ 114,021 | $ 71,000 |
| New York, NY | 2,106 | $ 530,984,000 | $ 252,129 | $ 91,000 |
| Dallas, TX | 2,005 | $ 257,409,000 | $ 128,383 | $ 77,000 |
| San Diego, CA | 1,965 | $ 496,465,000 | $ 252,653 | $ 89,000 |
| Boston, MA-NH | 1,897 | $ 455,338,000 | $ 240,030 | $ 91,000 |
| Nassau-Suffolk, NY | 1,803 | $ 423,560,000 | $ 234,919 | $ 91,000 |
| Sacramento, CA | 1,760 | $ 346,738,000 | $ 197,010 | $ 81,000 |
| Atlanta, GA | 1,688 | $ 242,340,000 | $ 143,566 | $ 67,000 |
| Phoenix-Mesa, AZ | 1,600 | $ 223,288,000 | $ 139,555 | $ 61,000 |
| Las Vegas, NV-AZ | 1,520 | $ 238,143,000 | $ 156,673 | $ 68,000 |
| Oakland, CA | 1,463 | $ 394,214,000 | $ 269,455 | $ 94,000 |
| Orange County, CA | 1,447 | $ 402,264,000 | $ 277,998 | $ 98,000 |
| Miami, FL | 1,440 | $ 214,325,000 | $ 148,836 | $ 70,000 |
| Seattle-Bellevue-Everett, WA | 1,404 | $ 291,293,000 | $ 207,473 | $ 80,000 |
| Denver, CO | 1,386 | $ 263,919,000 | $ 190,417 | $ 73,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1,381 | $ 161,622,000 | $ 117,032 | $ 56,000 |
| Orlando, FL | 1,377 | $ 169,972,000 | $ 123,436 | $ 59,000 |
| Philadelphia, PA-NJ | 1,298 | $ 172,106,000 | $ 132,593 | $ 65,000 |
| Fort Lauderdale, FL | 1,285 | $ 197,937,000 | $ 154,036 | $ 67,000 |
| New Orleans, LA | 1,091 | $ 120,620,000 | $ 110,559 | $ 59,000 |
| Minneapolis-St. Paul, MN-WI | 1,068 | $ 184,581,000 | $ 172,828 | $ 73,000 |
| Baltimore, MD | 1,062 | $ 170,930,000 | $ 160,951 | $ 80,000 |
| Newark, NJ | 1,050 | $ 206,078,000 | $ 196,264 | $ 87,000 |
| Fresno, CA | 986 | $ 132,527,000 | $ 134,408 | $ 69,000 |
| Honolulu, HI | 983 | $ 229,944,000 | $ 233,920 | $ 86,000 |
| St. Louis, MO-IL | 952 | $ 105,076,000 | $ 110,373 | $ 63,000 |
| Norfolk-Virginia Beach-Newport News, VA-NC | 888 | $ 110,545,000 | $ 124,487 | $ 60,000 |
| Jacksonville, FL | 877 | $ 95,626,000 | $ 109,037 | $ 62,000 |
| Salt Lake City-Ogden, UT | 851 | $ 136,247,000 | $ 160,102 | $ 62,000 |
| Ventura, CA | 850 | $ 233,899,000 | $ 275,175 | $ 85,000 |
| Nashville, TN | 813 | $ 98,738,000 | $ 121,448 | $ 57,000 |
| Monmouth-Ocean, NJ | 784 | $ 145,383,000 | $ 185,437 | $ 85,000 |
| West Palm Beach-Boca Raton, FL | 784 | $ 121,192,000 | $ 154,581 | $ 66,000 |
| Fort Worth-Arlington, TX | 772 | $ 92,754,000 | $ 120,147 | $ 76,000 |
| Bakersfield, CA | 708 | $ 85,448,000 | $ 120,689 | $ 65,000 |
| Hartford, CT | 676 | $ 101,115,000 | $ 149,578 | $ 70,000 |
| Pittsburgh, PA | 661 | $ 67,553,000 | $ 102,198 | $ 54,000 |
| Middlesex-Somerset-Hunterdon, NJ | 658 | $ 135,354,000 | $ 205,705 | $ 98,000 |
| Portland-Vancouver, OR-WA | 653 | $ 104,454,000 | $ 159,960 | $ 71,000 |
| Tacoma, WA | 636 | $ 96,627,000 | $ 151,929 | $ 62,000 |
| Cleveland-Lorain-Elyria, OH | 630 | $ 75,612,000 | $ 120,019 | $ 59,000 |
| Stockton-Lodi, CA | 613 | $ 121,360,000 | $ 197,977 | $ 73,000 |
| Austin-San Marcos, TX | 580 | $ 86,594,000 | $ 149,300 | $ 75,000 |
| Richmond-Petersburg, VA | 579 | $ 68,925,000 | $ 119,041 | $ 59,000 |
| Vallejo-Fairfield-Napa, CA | 577 | $ 140,595,000 | $ 243,665 | $ 88,000 |
| San Francisco, CA | 555 | $ 186,226,000 | $ 335,542 | $ 111,000 |
| Modesto, CA | 538 | $ 90,371,000 | $ 167,975 | $ 63,000 |
| San Jose, CA | 529 | $ 179,195,000 | $ 338,742 | $ 104,000 |
| San Antonio, TX | 523 | $ 55,919,000 | $ 106,919 | $ 63,000 |
| Indianapolis, IN | 514 | $ 60,552,000 | $ 117,805 | $ 64,000 |
| Bergen-Passaic, NJ | 512 | $ 124,318,000 | $ 242,808 | $ 93,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 492 | $ 62,867,000 | $ 127,778 | $ 65,000 |
| Colorado Springs, CO | 487 | $ 73,168,000 | $ 150,242 | $ 62,000 |
| Kansas City, MO-KS | 467 | $ 49,317,000 | $ 105,603 | $ 59,000 |
| Memphis, TN-AR-MS | 453 | $ 53,277,000 | $ 117,609 | $ 64,000 |
| Providence-Fall River-Warwick, RI-MA | 453 | $ 68,776,000 | $ 151,823 | $ 74,000 |
| Daytona Beach, FL | 435 | $ 45,293,000 | $ 104,121 | $ 58,000 |
| Oklahoma City, OK | 425 | $ 43,779,000 | $ 103,009 | $ 60,000 |
| Birmingham, AL | 418 | $ 46,064,000 | $ 110,200 | $ 60,000 |
| Cincinnati, OH-KY-IN | 417 | $ 50,019,000 | $ 119,949 | $ 55,000 |
| Tucson, AZ | 414 | $ 49,754,000 | $ 120,178 | $ 57,000 |
| Albuquerque, NM | 411 | $ 53,403,000 | $ 129,934 | $ 58,000 |
| Milwaukee-Waukesha, WI | 411 | $ 46,409,000 | $ 112,917 | $ 58,000 |
| Columbus, OH | 410 | $ 51,739,000 | $ 126,192 | $ 65,000 |
| Melbourne-Titusville-Palm Bay, FL | 386 | $ 40,725,000 | $ 105,505 | $ 51,000 |
| Tulsa, OK | 380 | $ 41,382,000 | $ 108,900 | $ 68,000 |
| Grand Rapids-Muskegon-Holland, MI | 370 | $ 44,349,000 | $ 119,862 | $ 53,000 |
| Worcester, MA-CT | 364 | $ 61,190,000 | $ 168,104 | $ 69,000 |
| Springfield, MA | 361 | $ 42,187,000 | $ 116,861 | $ 56,000 |
| Dayton-Springfield, OH | 354 | $ 35,448,000 | $ 100,135 | $ 52,000 |
| Brockton, MA | 339 | $ 63,730,000 | $ 187,994 | $ 77,000 |
| Sarasota-Bradenton, FL | 332 | $ 44,395,000 | $ 133,719 | $ 59,000 |
| Raleigh-Durham-Chapel Hill, NC | 319 | $ 44,117,000 | $ 138,297 | $ 66,000 |
| Fort Myers-Cape Coral, FL | 315 | $ 40,977,000 | $ 130,085 | $ 60,000 |
| Louisville, KY-IN | 315 | $ 35,857,000 | $ 113,831 | $ 52,000 |
| Salinas, CA | 311 | $ 86,626,000 | $ 278,540 | $ 94,000 |
| Reno, NV | 307 | $ 49,306,000 | $ 160,605 | $ 65,000 |
| Bridgeport, CT | 293 | $ 51,787,000 | $ 176,747 | $ 64,000 |
| Greensboro--Winston-Salem--High Point, NC | 291 | $ 34,781,000 | $ 119,522 | $ 54,000 |
| Boise City, ID | 283 | $ 34,946,000 | $ 123,484 | $ 60,000 |
| New Haven-Meriden, CT | 281 | $ 42,972,000 | $ 152,925 | $ 64,000 |
| Santa Rosa, CA | 280 | $ 78,869,000 | $ 281,675 | $ 91,000 |
| Visalia-Tulare-Porterville, CA | 278 | $ 32,993,000 | $ 118,679 | $ 65,000 |
| Baton Rouge, LA | 261 | $ 28,839,000 | $ 110,494 | $ 52,000 |
| Ann Arbor, MI | 253 | $ 43,793,000 | $ 173,094 | $ 78,000 |
| Lakeland-Winter Haven, FL | 252 | $ 24,021,000 | $ 95,321 | $ 56,000 |
| Allentown-Bethlehem-Easton, PA | 248 | $ 28,230,000 | $ 113,830 | $ 56,000 |
| Akron, OH | 246 | $ 28,706,000 | $ 116,691 | $ 61,000 |
| Buffalo-Niagara Falls, NY | 240 | $ 24,625,000 | $ 102,604 | $ 66,000 |
| Wilmington-Newark, DE-MD | 233 | $ 33,625,000 | $ 144,313 | $ 63,000 |
| Lowell, MA-NH | 232 | $ 44,499,000 | $ 191,806 | $ 81,000 |
| Gary, IN | 230 | $ 25,073,000 | $ 109,013 | $ 65,000 |
| Santa Barbara-Santa Maria-Lompoc, CA | 230 | $ 59,941,000 | $ 260,613 | $ 99,000 |
| Newburgh, NY-PA | 229 | $ 40,987,000 | $ 178,982 | $ 80,000 |
| Jackson, MS | 225 | $ 24,638,000 | $ 109,502 | $ 110,000 |
| Greenville-Spartanburg-Anderson, SC | 220 | $ 23,228,000 | $ 105,581 | $ 51,000 |
| El Paso, TX | 216 | $ 19,672,000 | $ 91,074 | $ 55,000 |
| Fort Pierce-Port St. Lucie, FL | 213 | $ 28,677,000 | $ 134,633 | $ 58,000 |
| Albany-Schenectady-Troy, NY | 211 | $ 24,175,000 | $ 114,573 | $ 64,000 |
| Provo-Orem, UT | 210 | $ 37,234,000 | $ 177,304 | $ 69,000 |
| Rockford, IL | 208 | $ 21,601,000 | $ 103,850 | $ 55,000 |
| Trenton, NJ | 206 | $ 35,077,000 | $ 170,276 | $ 75,000 |
| Knoxville, TN | 205 | $ 27,257,000 | $ 132,960 | $ 60,000 |
| Atlantic-Cape May, NJ | 202 | $ 27,475,000 | $ 136,014 | $ 59,000 |
| Rochester, NY | 202 | $ 19,426,000 | $ 96,168 | $ 64,000 |
| Charleston-North Charleston, SC | 198 | $ 23,506,000 | $ 118,717 | $ 54,000 |
| Harrisburg-Lebanon-Carlisle, PA | 197 | $ 21,274,000 | $ 107,989 | $ 57,000 |
| Jersey City, NJ | 194 | $ 37,513,000 | $ 193,365 | $ 68,000 |
| Columbia, SC | 193 | $ 21,568,000 | $ 111,751 | $ 65,000 |
| Youngstown-Warren, OH | 193 | $ 16,860,000 | $ 87,357 | $ 45,000 |
| Merced, CA | 188 | $ 28,794,000 | $ 153,159 | $ 60,000 |
| Biloxi-Gulfport-Pascagoula, MS | 187 | $ 18,214,000 | $ 97,401 | $ 58,000 |
| Des Moines, IA | 187 | $ 19,187,000 | $ 102,604 | $ 53,000 |
| Greeley, CO | 183 | $ 30,436,000 | $ 166,316 | $ 66,000 |
| Toledo, OH | 183 | $ 19,263,000 | $ 105,262 | $ 60,000 |
| Mobile, AL | 181 | $ 18,055,000 | $ 99,751 | $ 59,000 |
| Corpus Christi, TX | 178 | $ 16,918,000 | $ 95,044 | $ 57,000 |
| Flint, MI | 174 | $ 17,595,000 | $ 101,120 | $ 46,000 |
| Salem, OR | 173 | $ 24,130,000 | $ 139,479 | $ 64,000 |
| Dutchess County, NY | 169 | $ 34,633,000 | $ 204,928 | $ 83,000 |
| Syracuse, NY | 169 | $ 14,687,000 | $ 86,905 | $ 55,000 |
| Lansing-East Lansing, MI | 168 | $ 18,837,000 | $ 112,125 | $ 56,000 |
| York, PA | 168 | $ 19,186,000 | $ 114,202 | $ 54,000 |
| Naples, FL | 167 | $ 27,166,000 | $ 162,670 | $ 58,000 |
| Lawrence, MA-NH | 166 | $ 34,178,000 | $ 205,891 | $ 80,000 |
| Kalamazoo-Battle Creek, MI | 165 | $ 15,320,000 | $ 92,848 | $ 58,000 |
| Little Rock-North Little Rock, AR | 165 | $ 16,032,000 | $ 97,163 | $ 56,000 |
| Pensacola, FL | 165 | $ 17,572,000 | $ 106,496 | $ 58,000 |
| Barnstable-Yarmouth, MA | 160 | $ 33,707,000 | $ 210,668 | $ 71,000 |
| Lexington, KY | 159 | $ 17,808,000 | $ 112,000 | $ 59,000 |
| Omaha, NE-IA | 159 | $ 17,852,000 | $ 112,276 | $ 64,000 |
| Chattanooga, TN-GA | 158 | $ 15,958,000 | $ 101,000 | $ 51,000 |
| Bremerton, WA | 156 | $ 25,909,000 | $ 166,083 | $ 60,000 |
| Galveston-Texas City, TX | 151 | $ 16,110,000 | $ 106,688 | $ 69,000 |
| Wichita, KS | 147 | $ 13,325,000 | $ 90,646 | $ 64,000 |
| Manchester, NH | 145 | $ 24,140,000 | $ 166,482 | $ 73,000 |
| Montgomery, AL | 140 | $ 13,082,000 | $ 93,442 | $ 53,000 |
| Nashua, NH | 136 | $ 22,194,000 | $ 163,191 | $ 72,000 |
| McAllen-Edinburg-Mission, TX | 135 | $ 12,242,000 | $ 90,681 | $ 61,000 |
| Pueblo, CO | 135 | $ 13,714,000 | $ 101,585 | $ 50,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 135 | $ 14,079,000 | $ 104,288 | $ 59,000 |
| Brazoria, TX | 133 | $ 14,323,000 | $ 107,691 | $ 71,000 |
| Portland, ME | 132 | $ 18,841,000 | $ 142,734 | $ 69,000 |
| Waterbury, CT | 132 | $ 17,872,000 | $ 135,393 | $ 67,000 |
| Chico-Paradise, CA | 131 | $ 18,373,000 | $ 140,251 | $ 44,000 |
| Olympia, WA | 131 | $ 19,097,000 | $ 145,778 | $ 67,000 |
| Fort Collins-Loveland, CO | 129 | $ 25,154,000 | $ 194,992 | $ 83,000 |
| Ocala, FL | 128 | $ 11,536,000 | $ 90,125 | $ 48,000 |
| Canton-Massillon, OH | 127 | $ 11,318,000 | $ 89,118 | $ 47,000 |
| Spokane, WA | 125 | $ 12,757,000 | $ 102,056 | $ 58,000 |
| Hamilton-Middletown, OH | 123 | $ 15,073,000 | $ 122,544 | $ 58,000 |
| Huntsville, AL | 120 | $ 14,436,000 | $ 120,300 | $ 61,000 |
| Danbury, CT | 119 | $ 29,487,000 | $ 247,789 | $ 81,000 |
| Medford-Ashland, OR | 118 | $ 17,439,000 | $ 147,788 | $ 62,000 |
| San Luis Obispo-Atascadero-Paso Robles, CA | 118 | $ 31,966,000 | $ 270,898 | $ 108,000 |
| Stamford-Norwalk, CT | 118 | $ 41,928,000 | $ 355,322 | $ 111,000 |
| Yolo, CA | 117 | $ 23,200,000 | $ 198,290 | $ 73,000 |
| Yuba City, CA | 117 | $ 15,915,000 | $ 136,025 | $ 53,000 |
| Lancaster, PA | 113 | $ 13,385,000 | $ 118,451 | $ 55,000 |
| Peoria-Pekin, IL | 113 | $ 10,654,000 | $ 94,283 | $ 53,000 |
| Punta Gorda, FL | 113 | $ 12,650,000 | $ 111,946 | $ 62,000 |
| New London-Norwich, CT-RI | 112 | $ 16,936,000 | $ 151,214 | $ 72,000 |
| Shreveport-Bossier City, LA | 112 | $ 10,330,000 | $ 92,232 | $ 59,000 |
| South Bend, IN | 107 | $ 9,854,000 | $ 92,093 | $ 49,000 |
| Killeen-Temple, TX | 106 | $ 8,934,000 | $ 84,283 | $ 51,000 |
| Savannah, GA | 105 | $ 13,588,000 | $ 129,409 | $ 59,000 |
| Portsmouth-Rochester, NH-ME | 101 | $ 17,548,000 | $ 173,742 | $ 68,000 |
| Reading, PA | 101 | $ 11,645,000 | $ 115,297 | $ 57,000 |
| Washington, DC-MD-VA-WV | 101 | $ 27,078,000 | $ 268,099 | $ 100,000 |
| Kenosha, WI | 100 | $ 13,336,000 | $ 133,360 | $ 61,000 |
| Lubbock, TX | 100 | $ 10,524,000 | $ 105,240 | $ 74,000 |
| Johnson City-Kingsport-Bristol, TN-VA | 99 | $ 9,304,000 | $ 93,979 | $ 47,000 |
| Santa Fe, NM | 99 | $ 17,782,000 | $ 179,616 | $ 71,000 |
| Fort Wayne, IN | 98 | $ 10,769,000 | $ 109,887 | $ 52,000 |
| Beaumont-Port Arthur, TX | 95 | $ 8,373,000 | $ 88,136 | $ 66,000 |
| Charleston, WV | 95 | $ 9,214,000 | $ 96,989 | $ 49,000 |
| Eugene-Springfield, OR | 95 | $ 13,233,000 | $ 139,294 | $ 68,000 |
| Yakima, WA | 94 | $ 11,480,000 | $ 122,127 | $ 60,000 |
| Santa Cruz-Watsonville, CA | 93 | $ 32,354,000 | $ 347,892 | $ 108,000 |
| Saginaw-Bay City-Midland, MI | 92 | $ 7,270,000 | $ 79,021 | $ 45,000 |
| Boulder-Longmont, CO | 91 | $ 19,406,000 | $ 213,252 | $ 70,000 |
| Grand Junction, CO | 90 | $ 12,537,000 | $ 139,300 | $ 57,000 |
| Amarillo, TX | 89 | $ 8,463,000 | $ 95,089 | $ 68,000 |
| Fayetteville, NC | 87 | $ 7,528,000 | $ 86,528 | $ 53,000 |
| Tallahassee, FL | 87 | $ 10,527,000 | $ 121,000 | $ 65,000 |
| Gainesville, FL | 86 | $ 9,523,000 | $ 110,732 | $ 66,000 |
| Fitchburg-Leominster, MA | 85 | $ 13,230,000 | $ 155,647 | $ 64,000 |
| New Bedford, MA | 85 | $ 13,737,000 | $ 161,611 | $ 58,000 |
| Brownsville-Harlingen-San Benito, TX | 84 | $ 7,751,000 | $ 92,273 | $ 58,000 |
| Redding, CA | 84 | $ 12,868,000 | $ 153,190 | $ 66,000 |
| Springfield, MO | 84 | $ 8,578,000 | $ 102,119 | $ 43,000 |
| Fayetteville-Springdale-Rogers, AR | 80 | $ 9,631,000 | $ 120,387 | $ 65,000 |
| Madison, WI | 80 | $ 11,796,000 | $ 147,450 | $ 72,000 |
| Richland-Kennewick-Pasco, WA | 79 | $ 10,134,000 | $ 128,278 | $ 81,000 |
| Glens Falls, NY | 76 | $ 7,150,000 | $ 94,078 | $ 54,000 |
| Panama City, FL | 76 | $ 9,368,000 | $ 123,263 | $ 64,000 |
| Appleton-Oshkosh-Neenah, WI | 75 | $ 8,049,000 | $ 107,320 | $ 50,000 |
| Tyler, TX | 75 | $ 6,629,000 | $ 88,386 | $ 54,000 |
| Fort Walton Beach, FL | 74 | $ 9,149,000 | $ 123,635 | $ 69,000 |
| Myrtle Beach, SC | 74 | $ 8,904,000 | $ 120,324 | $ 53,000 |
| Roanoke, VA | 73 | $ 7,379,000 | $ 101,082 | $ 50,000 |
| Macon, GA | 70 | $ 7,969,000 | $ 113,842 | $ 67,000 |
| Augusta-Aiken, GA-SC | 68 | $ 6,989,000 | $ 102,779 | $ 53,000 |
| Bellingham, WA | 68 | $ 11,132,000 | $ 163,705 | $ 68,000 |
| Cedar Rapids, IA | 68 | $ 7,169,000 | $ 105,426 | $ 52,000 |
| Las Cruces, NM | 68 | $ 8,041,000 | $ 118,250 | $ 66,000 |
| Odessa-Midland, TX | 68 | $ 5,164,000 | $ 75,941 | $ 63,000 |
| Yuma, AZ | 68 | $ 6,791,000 | $ 99,867 | $ 49,000 |
| Dover, DE | 66 | $ 8,407,000 | $ 127,378 | $ 56,000 |
| Jackson, MI | 66 | $ 7,032,000 | $ 106,545 | $ 52,000 |
| Janesville-Beloit, WI | 66 | $ 6,394,000 | $ 96,878 | $ 48,000 |
| Racine, WI | 66 | $ 7,415,000 | $ 112,348 | $ 63,000 |
| Hickory-Morganton-Lenoir, NC | 63 | $ 6,456,000 | $ 102,476 | $ 43,000 |
| Utica-Rome, NY | 63 | $ 4,791,000 | $ 76,047 | $ 47,000 |
| Waco, TX | 63 | $ 4,941,000 | $ 78,428 | $ 61,000 |
| Houma, LA | 62 | $ 6,251,000 | $ 100,822 | $ 51,000 |
| Clarksville-Hopkinsville, TN-KY | 60 | $ 5,769,000 | $ 96,150 | $ 44,000 |
| Jacksonville, NC | 60 | $ 5,867,000 | $ 97,783 | $ 50,000 |
| Topeka, KS | 60 | $ 5,960,000 | $ 99,333 | $ 54,000 |
| Lafayette, LA | 59 | $ 5,601,000 | $ 94,932 | $ 58,000 |
| Sheboygan, WI | 58 | $ 5,966,000 | $ 102,862 | $ 60,000 |
| Joplin, MO | 57 | $ 5,880,000 | $ 103,157 | $ 58,000 |
| Laredo, TX | 56 | $ 5,904,000 | $ 105,428 | $ 71,000 |
| Wilmington, NC | 56 | $ 7,101,000 | $ 126,803 | $ 55,000 |
| Lynchburg, VA | 55 | $ 5,896,000 | $ 107,200 | $ 56,000 |
| Vineland-Millville-Bridgeton, NJ | 55 | $ 5,116,000 | $ 93,018 | $ 55,000 |
| Asheville, NC | 54 | $ 7,321,000 | $ 135,574 | $ 50,000 |
| Charlottesville, VA | 54 | $ 8,950,000 | $ 165,740 | $ 70,000 |
| Cheyenne, WY | 54 | $ 6,459,000 | $ 119,611 | $ 82,000 |
| Rochester, MN | 54 | $ 7,188,000 | $ 133,111 | $ 60,000 |
| Benton Harbor, MI | 53 | $ 5,694,000 | $ 107,433 | $ 59,000 |
| Decatur, AL | 53 | $ 4,798,000 | $ 90,528 | $ 44,000 |
| Erie, PA | 53 | $ 5,078,000 | $ 95,811 | $ 42,000 |
| Hagerstown, MD | 53 | $ 6,429,000 | $ 121,301 | $ 61,000 |
| Davenport-Moline-Rock Island, IA-IL | 52 | $ 4,996,000 | $ 96,076 | $ 53,000 |
| Green Bay, WI | 52 | $ 5,439,000 | $ 104,596 | $ 58,000 |
| Elkhart-Goshen, IN | 50 | $ 5,036,000 | $ 100,720 | $ 56,000 |
| Longview-Marshall, TX | 48 | $ 4,167,000 | $ 86,812 | $ 51,000 |
| Johnstown, PA | 47 | $ 3,628,000 | $ 77,191 | $ 69,000 |
| Billings, MT | 46 | $ 5,277,000 | $ 114,717 | $ 45,000 |
| Springfield, IL | 46 | $ 4,153,000 | $ 90,282 | $ 56,000 |
| Evansville-Henderson, IN-KY | 45 | $ 5,357,000 | $ 119,044 | $ 63,000 |
| Mansfield, OH | 45 | $ 5,715,000 | $ 127,000 | $ 54,000 |
| Muncie, IN | 44 | $ 3,580,000 | $ 81,363 | $ 57,000 |
| Tuscaloosa, AL | 44 | $ 5,455,000 | $ 123,977 | $ 59,000 |
| Jamestown, NY | 42 | $ 3,511,000 | $ 83,595 | $ 55,000 |
| Binghamton, NY | 41 | $ 3,272,000 | $ 79,804 | $ 53,000 |
| Flagstaff, AZ-UT | 41 | $ 6,658,000 | $ 162,390 | $ 61,000 |
| Hattiesburg, MS | 41 | $ 4,012,000 | $ 97,853 | $ 45,000 |
| Lawton, OK | 40 | $ 3,093,000 | $ 77,325 | $ 72,000 |
| Fort Smith, AR-OK | 39 | $ 3,089,000 | $ 79,205 | $ 51,000 |
| Greenville, NC | 39 | $ 3,995,000 | $ 102,435 | $ 57,000 |
| Columbus, GA-AL | 38 | $ 3,681,000 | $ 96,868 | $ 51,000 |
| Lawrence, KS | 38 | $ 5,015,000 | $ 131,973 | $ 75,000 |
| Waterloo-Cedar Falls, IA | 38 | $ 3,248,000 | $ 85,473 | $ 43,000 |
| Anniston, AL | 36 | $ 2,465,000 | $ 68,472 | $ 41,000 |
| Missoula, MT | 36 | $ 5,163,000 | $ 143,416 | $ 73,000 |
| Kokomo, IN | 35 | $ 3,171,000 | $ 90,600 | $ 50,000 |
| Lincoln, NE | 35 | $ 4,692,000 | $ 134,057 | $ 72,000 |
| Sharon, PA | 35 | $ 4,433,000 | $ 126,657 | $ 57,000 |
| Sherman-Denison, TX | 35 | $ 5,145,000 | $ 147,000 | $ 65,000 |
| Burlington, VT | 34 | $ 4,957,000 | $ 145,794 | $ 66,000 |
| Huntington-Ashland, WV-KY-OH | 34 | $ 2,817,000 | $ 82,852 | $ 50,000 |
| Duluth-Superior, MN-WI | 32 | $ 3,206,000 | $ 100,187 | $ 61,000 |
| Great Falls, MT | 32 | $ 3,514,000 | $ 109,812 | $ 54,000 |
| Lewiston-Auburn, ME | 32 | $ 3,488,000 | $ 109,000 | $ 113,000 |
| St. Cloud, MN | 32 | $ 4,557,000 | $ 142,406 | $ 71,000 |
| St. Joseph, MO | 32 | $ 2,848,000 | $ 89,000 | $ 53,000 |
| Bloomington-Normal, IL | 31 | $ 3,008,000 | $ 97,032 | $ 47,000 |
| Kankakee, IL | 30 | $ 3,097,000 | $ 103,233 | $ 58,000 |
| Monroe, LA | 30 | $ 3,131,000 | $ 104,366 | $ 60,000 |
| Auburn-Opelika, AL | 29 | $ 3,824,000 | $ 131,862 | $ 74,000 |
| Wichita Falls, TX | 29 | $ 2,480,000 | $ 85,517 | $ 72,000 |
| Bryan-College Station, TX | 28 | $ 3,124,000 | $ 111,571 | $ 58,000 |
| Champaign-Urbana, IL | 28 | $ 2,914,000 | $ 104,071 | $ 56,000 |
| Williamsport, PA | 27 | $ 2,697,000 | $ 99,888 | $ 49,000 |
| Dothan, AL | 26 | $ 2,485,000 | $ 95,576 | $ 53,000 |
| Jackson, TN | 26 | $ 2,153,000 | $ 82,807 | $ 52,000 |
| Columbia, MO | 25 | $ 2,325,000 | $ 93,000 | $ 42,000 |
| Lafayette, IN | 25 | $ 2,587,000 | $ 103,480 | $ 48,000 |
| Lake Charles, LA | 25 | $ 2,288,000 | $ 91,520 | $ 53,000 |
| Sumter, SC | 25 | $ 1,818,000 | $ 72,720 | $ 50,000 |
| Danville, VA | 24 | $ 2,222,000 | $ 92,583 | $ 62,000 |
| Pocatello, ID | 24 | $ 2,509,000 | $ 104,541 | $ 52,000 |
| Rocky Mount, NC | 24 | $ 1,853,000 | $ 77,208 | $ 42,000 |
| Altoona, PA | 23 | $ 1,657,000 | $ 72,043 | $ 36,000 |
| Athens, GA | 23 | $ 2,954,000 | $ 128,434 | $ 53,000 |
| Casper, WY | 23 | $ 2,063,000 | $ 89,695 | $ 63,000 |
| Fargo-Moorhead, ND-MN | 23 | $ 2,459,000 | $ 106,913 | $ 61,000 |
| Lima, OH | 23 | $ 1,835,000 | $ 79,782 | $ 43,000 |
| Florence, SC | 22 | $ 2,317,000 | $ 105,318 | $ 49,000 |
| Goldsboro, NC | 22 | $ 1,845,000 | $ 83,863 | $ 60,000 |
| Parkersburg-Marietta, WV-OH | 22 | $ 1,946,000 | $ 88,454 | $ 55,000 |
| Sioux Falls, SD | 22 | $ 2,258,000 | $ 102,636 | $ 70,000 |
| Abilene, TX | 21 | $ 1,381,000 | $ 65,761 | $ 55,000 |
| Alexandria, LA | 21 | $ 1,968,000 | $ 93,714 | $ 53,000 |
| Corvallis, OR | 21 | $ 3,026,000 | $ 144,095 | $ 61,000 |
| Dubuque, IA | 21 | $ 1,865,000 | $ 88,809 | $ 53,000 |
| Enid, OK | 20 | $ 1,375,000 | $ 68,750 | $ 56,000 |
| Wausau, WI | 20 | $ 1,804,000 | $ 90,200 | $ 45,000 |
| Wheeling, WV-OH | 20 | $ 1,631,000 | $ 81,550 | $ 42,000 |
| Bangor, ME | 19 | $ 2,123,000 | $ 111,736 | $ 71,000 |
| Eau Claire, WI | 19 | $ 1,783,000 | $ 93,842 | $ 49,000 |
| Florence, AL | 19 | $ 1,992,000 | $ 104,842 | $ 60,000 |
| San Angelo, TX | 19 | $ 1,507,000 | $ 79,315 | $ 63,000 |
| Gadsden, AL | 18 | $ 1,705,000 | $ 94,722 | $ 54,000 |
| Iowa City, IA | 18 | $ 2,061,000 | $ 114,500 | $ 51,000 |
| Pittsfield, MA | 18 | $ 1,936,000 | $ 107,555 | $ 62,000 |
| State College, PA | 18 | $ 2,535,000 | $ 140,833 | $ 73,000 |
| Texarkana, TX-AR | 18 | $ 1,733,000 | $ 96,277 | $ 68,000 |
| Decatur, IL | 17 | $ 1,387,000 | $ 81,588 | $ 51,000 |
| Victoria, TX | 17 | $ 1,696,000 | $ 99,764 | $ 72,000 |
| Bismarck, ND | 16 | $ 1,501,000 | $ 93,812 | $ 70,000 |
| Jonesboro, AR | 16 | $ 1,499,000 | $ 93,687 | $ 50,000 |
| Pine Bluff, AR | 16 | $ 1,393,000 | $ 87,062 | $ 55,000 |
| Elmira, NY | 15 | $ 1,118,000 | $ 74,533 | $ 44,000 |
| Owensboro, KY | 15 | $ 1,178,000 | $ 78,533 | $ 44,000 |
| Sioux City, IA-NE | 15 | $ 1,474,000 | $ 98,266 | $ 60,000 |
| Terre Haute, IN | 15 | $ 1,313,000 | $ 87,533 | $ 52,000 |
| Rapid City, SD | 13 | $ 1,315,000 | $ 101,153 | $ 39,000 |
| Albany, GA | 11 | $ 1,440,000 | $ 130,909 | $ 77,000 |
| Steubenville-Weirton, OH-WV | 11 | $ 1,030,000 | $ 93,636 | $ 59,000 |
| Cumberland, MD-WV | 9 | $ 647,000 | $ 71,888 | $ 73,000 |
| La Crosse, WI-MN | 9 | $ 1,086,000 | $ 120,666 | $ 51,000 |
| Bloomington, IN | 8 | $ 672,000 | $ 84,000 | $ 56,000 |
| Grand Forks, ND-MN | 5 | $ 489,000 | $ 97,800 | $ 72,000 |
| Anchorage, AK | 2 | $ 365,000 | $ 182,500 | $ 61,000 |
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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