Get A Rate LLC Mortgage Lending & HMDA Data, 2021
In 2021, Get A Rate LLC of Hackensack, NJ reported 2,259 mortgage applications totaling $794.8 million, up 23% from 2020. The average application was for $351,843, and applicants reported an average income of $154,293. 51% of its applications resulted in an originated loan and 11% were denied. Its largest markets were New York-Jersey City-White Plains, NY-NJ (682), Newark, NJ-PA (394) and New York-Newark, NY (355) (applications in parentheses).
| Mortgage Company & Address | Get A Rate LLC 411 Hackensack Ave Suite 104 Hackensack, NJ 07601 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2021 2020 |
| Total Number of Mortgage Applications | 2,259 |
| Total Mortgage Loan Application Amount | $794,815,000 |
| Average Mortgage Loan Application Amount | $351,843 |
| Highest Mortgage Loan Application Amount | $1,995,000 |
| Average Applicant Income | $154,293 |
| Highest Applicant Income | $4,560,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Get A Rate LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| New York-Jersey City-White Plains, NY-NJ | 682 | $ 266,930,000 | $ 391,392 | $ 153,000 |
| Newark, NJ-PA | 394 | $ 140,930,000 | $ 357,690 | $ 154,477 |
| New York-Newark, NY | 355 | $ 118,015,000 | $ 332,436 | $ 164,000 |
| Camden, NJ | 92 | $ 25,120,000 | $ 273,043 | $ 134,000 |
| Riverside-San Bernardino-Ontario, CA | 78 | $ 24,930,000 | $ 319,615 | $ 106,000 |
| Atlanta-Sandy Springs-Roswell, GA | 46 | $ 13,530,000 | $ 294,130 | $ 159,000 |
| Los Angeles-Long Beach-Glendale, CA | 31 | $ 13,105,000 | $ 422,741 | $ 132,000 |
| Chicago-Naperville, IL | 24 | $ 6,710,000 | $ 279,583 | $ 79,000 |
| Trenton, NJ | 24 | $ 7,800,000 | $ 325,000 | $ 145,000 |
| Atlantic City-Hammonton, NJ | 20 | $ 5,140,000 | $ 257,000 | $ 149,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 20 | $ 6,960,000 | $ 348,000 | $ 105,000 |
| Outside any metro area | 19 | $ 5,635,000 | $ 296,578 | $ 131,526 |
| Allentown-Bethlehem-Easton, PA-NJ | 17 | $ 4,025,000 | $ 236,764 | $ 525,411 |
| Ocean City, NJ | 16 | $ 6,170,000 | $ 385,625 | $ 207,000 |
| Orlando-Kissimmee-Sanford, FL | 14 | $ 4,150,000 | $ 296,428 | $ 161,000 |
| Miami-Miami Beach-Kendall, FL | 13 | $ 5,775,000 | $ 444,230 | $ 262,000 |
| Cape Coral-Fort Myers, FL | 12 | $ 2,920,000 | $ 243,333 | $ 142,000 |
| Anaheim-Santa Ana-Irvine, CA | 10 | $ 3,930,000 | $ 393,000 | $ 159,000 |
| Jacksonville, FL | 10 | $ 2,800,000 | $ 280,000 | $ 82,000 |
| Tampa-St. Petersburg-Clearwater, FL | 10 | $ 2,490,000 | $ 249,000 | $ 89,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 9 | $ 3,395,000 | $ 377,222 | $ 164,000 |
| Oakland-Hayward-Berkeley, CA | 7 | $ 3,815,000 | $ 545,000 | $ 224,000 |
| San Antonio-New Braunfels, TX | 7 | $ 2,815,000 | $ 402,142 | $ 108,000 |
| Bakersfield, CA | 5 | $ 1,105,000 | $ 221,000 | $ 59,000 |
| Lakeland-Winter Haven, FL | 5 | $ 1,315,000 | $ 263,000 | $ 57,000 |
| San Diego-Carlsbad, CA | 5 | $ 1,915,000 | $ 383,000 | $ 113,000 |
| Gainesville, GA | 4 | $ 1,060,000 | $ 265,000 | $ 102,000 |
| Naples-Immokalee-Marco Island, FL | 4 | $ 1,900,000 | $ 475,000 | $ 285,000 |
| Palm Bay-Melbourne-Titusville, FL | 4 | $ 1,350,000 | $ 337,500 | $ 137,000 |
| Fresno, CA | 3 | $ 805,000 | $ 268,333 | $ 183,000 |
| Harrisburg-Carlisle, PA | 3 | $ 565,000 | $ 188,333 | $ 151,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 3 | $ 805,000 | $ 268,333 | $ 81,000 |
| Savannah, GA | 3 | $ 695,000 | $ 231,666 | $ 134,000 |
| Vallejo-Fairfield, CA | 3 | $ 1,475,000 | $ 491,666 | $ 104,000 |
| Vineland-Bridgeton, NJ | 3 | $ 775,000 | $ 258,333 | $ 79,000 |
| Wilmington, DE-MD-NJ | 3 | $ 935,000 | $ 311,666 | $ 114,000 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 870,000 | $ 435,000 | $ 135,000 |
| Dallas-Plano-Irving, TX | 2 | $ 840,000 | $ 420,000 | $ 120,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 430,000 | $ 215,000 | $ 50,000 |
| East Stroudsburg, PA | 2 | $ 470,000 | $ 235,000 | $ 122,000 |
| Elgin, IL | 2 | $ 460,000 | $ 230,000 | $ 50,000 |
| Merced, CA | 2 | $ 410,000 | $ 205,000 | $ 83,000 |
| Montgomery County-Bucks County-Chester County, PA | 2 | $ 760,000 | $ 380,000 | $ 205,000 |
| New Haven-Milford, CT | 2 | $ 830,000 | $ 415,000 | $ 145,000 |
| Port St. Lucie, FL | 2 | $ 550,000 | $ 275,000 | $ 182,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 2 | $ 480,000 | $ 240,000 | $ 46,000 |
| Athens-Clarke County, GA | 1 | $ 325,000 | $ 325,000 | $ 104,000 |
| Austin-Round Rock, TX | 1 | $ 445,000 | $ 445,000 | $ 167,000 |
| Charleston-North Charleston, SC | 1 | $ 175,000 | $ 175,000 | $ 57,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 245,000 | $ 245,000 | $ 109,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 265,000 | $ 265,000 | $ 95,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 245,000 | $ 245,000 | $ 100,000 |
| Kennewick-Richland, WA | 1 | $ 345,000 | $ 345,000 | $ 136,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 195,000 | $ 195,000 | $ 56,000 |
| Madera, CA | 1 | $ 535,000 | $ 535,000 | $ 60,000 |
| Napa, CA | 1 | $ 485,000 | $ 485,000 | $ 76,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 255,000 | $ 255,000 | $ 135,000 |
| Ocala, FL | 1 | $ 175,000 | $ 175,000 | $ 169,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 325,000 | $ 325,000 | $ 145,000 |
| Philadelphia, PA | 1 | $ 195,000 | $ 195,000 | $ 80,000 |
| Punta Gorda, FL | 1 | $ 325,000 | $ 325,000 | $ 161,000 |
| Sebastian-Vero Beach, FL | 1 | $ 185,000 | $ 185,000 | $ 52,000 |
| Sebring, FL | 1 | $ 145,000 | $ 145,000 | $ 50,000 |
| Spokane-Spokane Valley, WA | 1 | $ 255,000 | $ 255,000 | $ 119,000 |
| Visalia-Porterville, CA | 1 | $ 125,000 | $ 125,000 | $ 159,000 |
Mortgage Loan Application Detail Totals for Get A Rate LLC in 2021
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 | 1,063 | $362,485,000 | $341,000 | $1,995,000 | $160,000 | $2,828,000 |
| Cash-out Refinancing | 642 | $215,360,000 | $335,000 | $1,585,000 | $152,000 | $2,538,000 |
| Home Purchase | 554 | $216,970,000 | $391,000 | $1,285,000 | $146,000 | $4,560,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 952 | $331,480,000 | $348,000 | $1,585,000 | $162,000 | $4,560,000 |
| Not Provided | 482 | $171,500,000 | $355,000 | $1,265,000 | $152,000 | $1,932,000 |
| Hispanic | 440 | $149,790,000 | $340,000 | $995,000 | $123,000 | $1,569,000 |
| Asian | 249 | $95,705,000 | $384,000 | $1,995,000 | $175,000 | $1,866,000 |
| Black or African American | 80 | $24,670,000 | $308,000 | $665,000 | $118,000 | $709,000 |
| American Indian or Alaskan Native | 8 | $2,430,000 | $303,000 | $595,000 | $335,000 | $1,346,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $245,000 | $245,000 | $245,000 | $77,000 | $77,000 |
| 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) | 1,903 | $663,295,000 | $348,000 | $1,995,000 | $163,000 | $4,560,000 |
| FHA-insured (Federal Housing Administration) | 289 | $105,435,000 | $364,000 | $915,000 | $99,000 | $1,932,000 |
| VA-guaranteed (Veterans Administration) | 64 | $24,580,000 | $384,000 | $995,000 | $136,000 | $2,538,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $1,505,000 | $501,000 | $915,000 | $91,000 | $120,000 |
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 | 1,141 | $398,475,000 | $349,000 | $995,000 | $144,000 | $896,000 |
| Application Withdrawn By Applicant | 636 | $228,360,000 | $359,000 | $1,285,000 | $189,000 | $4,560,000 |
| Application Denied By Financial Institution | 242 | $81,690,000 | $337,000 | $955,000 | $104,000 | $726,000 |
| Application Approved But Not Accepted | 175 | $64,785,000 | $370,000 | $1,995,000 | $182,000 | $2,828,000 |
| File Closed For Incompleteness | 52 | $16,810,000 | $323,000 | $765,000 | $103,000 | $392,000 |
| Preapproval Approved but not Accepted | 8 | $2,980,000 | $372,000 | $825,000 | $121,000 | $339,000 |
| Preapproval Denied by Financial Institution | 5 | $1,715,000 | $343,000 | $495,000 | $79,000 | $166,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,012 | $711,410,000 | $353,000 | $1,995,000 | $160,000 | $4,560,000 |
| Debt-To-Income Ratio | 152 | $53,720,000 | $353,000 | $955,000 | $94,000 | $726,000 |
| Credit History | 50 | $15,820,000 | $316,000 | $865,000 | $126,000 | $700,000 |
| Other | 23 | $7,245,000 | $315,000 | $555,000 | $103,000 | $384,000 |
| Collateral | 16 | $4,930,000 | $308,000 | $725,000 | $137,000 | $352,000 |
| Unverifiable Information | 4 | $1,180,000 | $295,000 | $385,000 | $34,000 | $136,000 |
| Employment History | 2 | $510,000 | $255,000 | $285,000 | $111,000 | $162,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Get A Rate LLC's 2021 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 Get A Rate LLC's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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