Greater United Home Funding, I Mortgage Lending & HMDA Data, 2007
In 2007, Greater United Home Funding, I of Orlando, FL reported 507 mortgage applications totaling $57.6 million, up 113% from 2006. The average application was for $113,650, and applicants reported an average income of $45,816. 81% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Rome, GA (45), Mobile, AL (38) and Orlando-Kissimmee, FL (29) (applications in parentheses).
| Mortgage Company & Address | Greater United Home Funding, I 5782 S.Semoran Blvd Orlando, FL 32822 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 |
| Total Number of Mortgage Applications | 507 |
| Total Mortgage Loan Application Amount | $57,621,000 |
| Average Mortgage Loan Application Amount | $113,650 |
| Highest Mortgage Loan Application Amount | $392,000 |
| Average Applicant Income | $45,816 |
| Highest Applicant Income | $216,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Greater United Home Funding, I filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Rome, GA | 45 | $ 4,609,000 | $ 102,422 | $ 39,000 |
| Mobile, AL | 38 | $ 3,774,000 | $ 99,315 | $ 45,000 |
| Orlando-Kissimmee, FL | 29 | $ 5,113,000 | $ 176,310 | $ 67,000 |
| Fort Worth-Arlington, TX | 25 | $ 3,061,000 | $ 122,440 | $ 50,000 |
| Albany, GA | 24 | $ 2,423,000 | $ 100,958 | $ 44,000 |
| Atlanta-Sandy Springs-Marietta, GA | 22 | $ 2,623,000 | $ 119,227 | $ 50,000 |
| Auburn-Opelika, AL | 19 | $ 1,841,000 | $ 96,894 | $ 41,000 |
| Augusta-Richmond County, GA-SC | 15 | $ 1,458,000 | $ 97,200 | $ 41,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 13 | $ 1,870,000 | $ 143,846 | $ 64,000 |
| Ocala, FL | 12 | $ 1,881,000 | $ 156,750 | $ 69,000 |
| Montgomery, AL | 11 | $ 1,160,000 | $ 105,454 | $ 41,000 |
| Tampa-St. Petersburg-Clearwater, FL | 9 | $ 1,424,000 | $ 158,222 | $ 41,000 |
| Pensacola-Ferry Pass-Brent, FL | 8 | $ 872,000 | $ 109,000 | $ 39,000 |
| Lakeland, FL | 7 | $ 982,000 | $ 140,285 | $ 48,000 |
| Jacksonville, FL | 5 | $ 653,000 | $ 130,600 | $ 43,000 |
| Macon, GA | 5 | $ 598,000 | $ 119,600 | $ 52,000 |
| Columbus, GA-AL | 4 | $ 389,000 | $ 97,250 | $ 53,750 |
| Gulfport-Biloxi, MS | 4 | $ 494,000 | $ 123,500 | $ 57,000 |
| Jackson, MS | 4 | $ 424,000 | $ 106,000 | $ 55,000 |
| Athens-Clarke County, GA | 3 | $ 282,000 | $ 94,000 | $ 34,000 |
| Greenville-Mauldin-Easley, SC | 3 | $ 290,000 | $ 96,666 | $ 31,000 |
| Anniston-Oxford, AL | 2 | $ 165,000 | $ 82,500 | $ 62,000 |
| Dothan, AL | 2 | $ 170,000 | $ 85,000 | $ 33,000 |
| Gainesville, FL | 2 | $ 341,000 | $ 170,500 | $ 94,000 |
| Houston-Sugar Land-Baytown, TX | 2 | $ 179,000 | $ 89,500 | $ 51,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 370,000 | $ 185,000 | $ 63,000 |
| Palm Coast, FL | 2 | $ 240,000 | $ 120,000 | $ 38,000 |
| Panama City-Lynn Haven, FL | 2 | $ 286,000 | $ 143,000 | $ 64,000 |
| Tuscaloosa, AL | 2 | $ 148,000 | $ 74,000 | $ 24,000 |
| Anderson, SC | 1 | $ 77,000 | $ 77,000 | $ 24,000 |
| Baton Rouge, LA | 1 | $ 89,000 | $ 89,000 | $ 36,000 |
| Birmingham-Hoover, AL | 1 | $ 116,000 | $ 116,000 | $ 32,000 |
| Brunswick, GA | 1 | $ 131,000 | $ 131,000 | $ 77,000 |
| Charleston-North Charleston, SC | 1 | $ 85,000 | $ 85,000 | $ 33,000 |
| Dallas-Plano-Irving, TX | 1 | $ 123,000 | $ 123,000 | $ 53,000 |
| Dalton, GA | 1 | $ 146,000 | $ 146,000 | $ 80,000 |
| Florence-Muscle Shoals, AL | 1 | $ 67,000 | $ 67,000 | $ 34,000 |
| Gadsden, AL | 1 | $ 110,000 | $ 110,000 | $ 38,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 1 | $ 98,000 | $ 98,000 | $ 33,000 |
| Pine Bluff, AR | 1 | $ 71,000 | $ 71,000 | $ 34,000 |
| Sherman-Denison, TX | 1 | $ 129,000 | $ 129,000 | $ 37,000 |
| Warner Robins, GA | 1 | $ 58,000 | $ 58,000 | $ 49,000 |
Mortgage Loan Application Detail Totals for Greater United Home Funding, I in 2007
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 | 484 | $54,642,000 | $112,000 | $392,000 | $45,000 | $216,000 |
| Refinancing | 23 | $2,979,000 | $129,000 | $263,000 | $63,000 | $132,000 |
| 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 | 314 | $34,449,000 | $109,000 | $258,000 | $46,000 | $204,000 |
| Black or African American | 155 | $17,591,000 | $113,000 | $263,000 | $44,000 | $216,000 |
| Hispanic | 26 | $4,170,000 | $160,000 | $392,000 | $59,000 | $112,000 |
| Not Provided | 12 | $1,411,000 | $117,000 | $253,000 | $43,000 | $111,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 475 | $52,235,000 | $109,000 | $255,000 | $43,000 | $132,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 31 | $5,164,000 | $166,000 | $392,000 | $86,000 | $216,000 |
| VA-guaranteed (Veterans Administration) | 1 | $222,000 | $222,000 | $222,000 | $68,000 | $68,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 412 | $46,230,000 | $112,000 | $392,000 | $46,000 | $216,000 |
| Application Denied By Financial Institution | 64 | $7,962,000 | $124,000 | $254,000 | $46,000 | $178,000 |
| File Closed For Incompleteness | 21 | $2,355,000 | $112,000 | $222,000 | $40,000 | $69,000 |
| Application Withdrawn By Applicant | 9 | $978,000 | $108,000 | $172,000 | $47,000 | $71,000 |
| Application Approved But Not Accepted | 1 | $96,000 | $96,000 | $96,000 | $32,000 | $32,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 30 | $3,980,000 | $132,000 | $254,000 | $56,000 | $178,000 |
| Debt-To-Income Ratio | 21 | $2,415,000 | $115,000 | $233,000 | $38,000 | $80,000 |
| Employment History | 4 | $592,000 | $148,000 | $253,000 | $33,000 | $42,000 |
| Collateral | 2 | $178,000 | $89,000 | $127,000 | $29,000 | $43,000 |
| Unverifiable Information | 2 | $237,000 | $118,000 | $138,000 | $27,000 | $35,000 |
| Other | 1 | $119,000 | $119,000 | $119,000 | $36,000 | $36,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Greater United Home Funding, I's 2007 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 Greater United Home Funding, I'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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