H&R Block Bank Mortgage Lending & HMDA Data, 2007

In 2007, H&R Block Bank of Kansas City, MO reported 3,059 mortgage applications totaling $572.5 million. The average application was for $187,152, and applicants reported an average income of $3,768. 1% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Eau Claire, WI (203), Minneapolis-St. Paul-Bloomington, MN-WI (197) and Janesville, WI (177) (applications in parentheses).

Mortgage Company & Address H&R Block Bank
One H&R Block Way
Kansas City, MO 64105
Tel #: available with data download
Federal Regulator * available with data download
Years 2010  2009  2008  2007  
Total Number of Mortgage Applications 3,059
Total Mortgage Loan Application Amount $572,499,000
Average Mortgage Loan Application Amount $187,152
Highest Mortgage Loan Application Amount $1,600,000
Average Applicant Income $3,768
Highest Applicant Income $470,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records H&R Block Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 H&R Block Bank by County in 2007

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Rock, Wisconsin 177 $ 15,418,000 $ 87,107 $ 0
St. Croix, Wisconsin 150 $ 30,349,000 $ 202,326 $ 0
Eau Claire, Wisconsin 143 $ 19,274,000 $ 134,783 $ 1,000
Dane, Wisconsin 118 $ 21,583,000 $ 182,906 $ 5,000
Lake, Florida 103 $ 19,030,000 $ 184,757 $ 2,000
La Crosse, Wisconsin 80 $ 9,250,000 $ 115,625 $ 0
Olmsted, Minnesota 69 $ 9,605,000 $ 139,202 $ 0
Baldwin, Alabama 61 $ 9,390,000 $ 153,934 $ 1,000
Winnebago, Illinois 61 $ 5,030,000 $ 82,459 $ 0
Chippewa, Wisconsin 61 $ 9,125,000 $ 149,590 $ 0
Lee, Florida 54 $ 14,036,000 $ 259,925 $ 2,000
Miami-Dade, Florida 54 $ 17,193,000 $ 318,388 $ 0
Madison, Alabama 47 $ 7,497,000 $ 159,510 $ 0
Winnebago, Wisconsin 41 $ 4,363,000 $ 106,414 $ 0
Jefferson, Wisconsin 35 $ 4,832,000 $ 138,057 $ 0
Los Angeles, California 30 $ 12,506,000 $ 416,866 $ 3,000
Hillsborough, Florida 30 $ 6,504,000 $ 216,800 $ 2,000
Pinellas, Florida 26 $ 8,166,000 $ 314,076 $ 0
Volusia, Florida 26 $ 5,105,000 $ 196,346 $ 2,000
Kings, New York 25 $ 10,287,000 $ 411,480 $ 7,000
Palm Beach, Florida 24 $ 7,733,000 $ 322,208 $ 11,000
Sumter, Florida 24 $ 2,573,000 $ 107,208 $ 9,000
Milwaukee, Wisconsin 23 $ 2,798,000 $ 121,652 $ 0
Lee, Alabama 22 $ 2,392,000 $ 108,727 $ 1,000
Broward, Florida 22 $ 6,117,000 $ 278,045 $ 3,000
Orange, Florida 22 $ 4,441,000 $ 201,863 $ 2,000
Dallas, Texas 21 $ 3,575,000 $ 170,238 $ 0
Dunn, Wisconsin 21 $ 4,650,000 $ 221,428 $ 0
Mobile, Alabama 20 $ 2,777,000 $ 138,850 $ 0
Outagamie, Wisconsin 20 $ 2,385,000 $ 119,250 $ 0
Pierce, Wisconsin 20 $ 3,417,000 $ 170,850 $ 0
Marathon, Wisconsin 18 $ 1,915,000 $ 106,388 $ 0
Collier, Florida 17 $ 6,432,000 $ 378,352 $ 2,000
Escambia, Florida 17 $ 1,676,000 $ 98,588 $ 2,000
Elmore, Alabama 14 $ 1,235,000 $ 88,214 $ 0
Jefferson, Alabama 14 $ 2,370,000 $ 169,285 $ 0
Montgomery, Alabama 14 $ 1,913,000 $ 136,642 $ 11,000
Citrus, Florida 14 $ 3,121,000 $ 222,928 $ 0
Sarasota, Florida 14 $ 3,410,000 $ 243,571 $ 0
Seminole, Florida 14 $ 1,582,000 $ 113,000 $ 5,000
San Bernardino, California 13 $ 4,212,000 $ 324,000 $ 15,000
Fulton, Georgia 13 $ 3,445,000 $ 265,000 $ 0
Cook, Illinois 13 $ 3,224,000 $ 248,000 $ 16,000
Limestone, Alabama 12 $ 1,012,000 $ 84,333 $ 0
Washoe, Nevada 12 $ 3,184,000 $ 265,333 $ 0
Queens, New York 12 $ 4,936,000 $ 411,333 $ 3,000
Lincoln, Tennessee 12 $ 1,278,000 $ 106,500 $ 0
Fond du Lac, Wisconsin 12 $ 1,648,000 $ 137,333 $ 0
Tallapoosa, Alabama 11 $ 1,115,000 $ 101,363 $ 0
Marion, Florida 11 $ 1,706,000 $ 155,090 $ 0
Middlesex, Massachusetts 11 $ 4,509,000 $ 409,909 $ 29,000
Sheboygan, Wisconsin 11 $ 1,496,000 $ 136,000 $ 42,000
Lauderdale, Alabama 10 $ 919,000 $ 91,900 $ 0
Hartford, Connecticut 10 $ 2,068,000 $ 206,800 $ 0
Gwinnett, Georgia 10 $ 2,594,000 $ 259,400 $ 0
Wayne, Michigan 10 $ 838,000 $ 83,800 $ 9,000
Clark, Nevada 10 $ 3,226,000 $ 322,600 $ 8,000
Richmond, New York 10 $ 3,163,000 $ 316,300 $ 0
Walton, Florida 9 $ 3,967,000 $ 440,777 $ 0
DeKalb, Georgia 9 $ 1,956,000 $ 217,333 $ 18,000
Suffolk, Massachusetts 9 $ 3,245,000 $ 360,555 $ 0
Ramsey, Minnesota 9 $ 2,597,000 $ 288,555 $ 8,000
Walworth, Wisconsin 9 $ 1,375,000 $ 152,777 $ 0
Morgan, Alabama 8 $ 662,000 $ 82,750 $ 6,000
San Diego, California 8 $ 3,487,000 $ 435,875 $ 8,000
Dodge, Minnesota 8 $ 1,071,000 $ 133,875 $ 0
Goodhue, Minnesota 8 $ 925,000 $ 115,625 $ 0
Bronx, New York 8 $ 3,477,000 $ 434,625 $ 0
Suffolk, New York 8 $ 2,819,000 $ 352,375 $ 0
Harris, Texas 8 $ 896,000 $ 112,000 $ 0
Tarrant, Texas 8 $ 946,000 $ 118,250 $ 5,000
Green, Wisconsin 8 $ 597,000 $ 74,625 $ 0
Monroe, Wisconsin 8 $ 469,000 $ 58,625 $ 5,000
Shelby, Alabama 7 $ 950,000 $ 135,714 $ 11,000
Maricopa, Arizona 7 $ 1,865,000 $ 266,428 $ 6,000
Riverside, California 7 $ 2,802,000 $ 400,285 $ 0
Flagler, Florida 7 $ 1,622,000 $ 231,714 $ 0
Muscogee, Georgia 7 $ 494,000 $ 70,571 $ 4,000
Essex, Massachusetts 7 $ 1,760,000 $ 251,428 $ 0
Providence, Rhode Island 7 $ 1,672,000 $ 238,857 $ 15,000
Brown, Wisconsin 7 $ 796,000 $ 113,714 $ 0
Shawano, Wisconsin 7 $ 1,553,000 $ 221,857 $ 0
Chambers, Alabama 6 $ 731,000 $ 121,833 $ 0
Franklin, Alabama 6 $ 687,000 $ 114,500 $ 9,000
Kern, California 6 $ 1,680,000 $ 280,000 $ 0
Bay, Florida 6 $ 1,223,000 $ 203,833 $ 0
St. Johns, Florida 6 $ 1,333,000 $ 222,166 $ 0
Cobb, Georgia 6 $ 680,000 $ 113,333 $ 15,000
Jefferson, Louisiana 6 $ 971,000 $ 161,833 $ 0
Oakland, Michigan 6 $ 1,109,000 $ 184,833 $ 0
Jackson, Missouri 6 $ 544,000 $ 90,666 $ 14,000
Nassau, New York 6 $ 2,652,000 $ 442,000 $ 0
Orange, New York 6 $ 1,430,000 $ 238,333 $ 0
Bexar, Texas 6 $ 1,147,000 $ 191,166 $ 0
Collin, Texas 6 $ 1,781,000 $ 296,833 $ 0
Salt Lake, Utah 6 $ 1,649,000 $ 274,833 $ 39,000
Chilton, Alabama 5 $ 604,000 $ 120,800 $ 0
Clay, Alabama 5 $ 435,000 $ 87,000 $ 5,000
Pima, Arizona 5 $ 820,000 $ 164,000 $ 0
Sacramento, California 5 $ 1,480,000 $ 296,000 $ 0
Solano, California 5 $ 2,170,000 $ 434,000 $ 30,000
Ventura, California 5 $ 2,420,000 $ 484,000 $ 0
New Haven, Connecticut 5 $ 1,001,000 $ 200,200 $ 11,000
Charlotte, Florida 5 $ 1,669,000 $ 333,800 $ 0
Manatee, Florida 5 $ 1,234,000 $ 246,800 $ 0
Santa Rosa, Florida 5 $ 772,000 $ 154,400 $ 0
Lake, Indiana 5 $ 404,000 $ 80,800 $ 0
Johnson, Kansas 5 $ 1,280,000 $ 256,000 $ 85,000
Prince George's, Maryland 5 $ 1,445,000 $ 289,000 $ 26,000
Bristol, Massachusetts 5 $ 1,108,000 $ 221,600 $ 0
Hampden, Massachusetts 5 $ 769,000 $ 153,800 $ 0
Hennepin, Minnesota 5 $ 1,070,000 $ 214,000 $ 0
Houston, Minnesota 5 $ 568,000 $ 113,600 $ 0
Wabasha, Minnesota 5 $ 1,523,000 $ 304,600 $ 0
Atlantic, New Jersey 5 $ 1,501,000 $ 300,200 $ 10,000
Ocean, New Jersey 5 $ 870,000 $ 174,000 $ 9,000
Westchester, New York 5 $ 2,131,000 $ 426,200 $ 37,000
Franklin, Ohio 5 $ 513,000 $ 102,600 $ 0
Travis, Texas 5 $ 1,997,000 $ 399,400 $ 0
Fairfax, Virginia 5 $ 1,950,000 $ 390,000 $ 0
Pierce, Washington 5 $ 1,161,000 $ 232,200 $ 0
Columbia, Wisconsin 5 $ 633,000 $ 126,600 $ 9,000
Jackson, Alabama 4 $ 352,000 $ 88,000 $ 0
San Joaquin, California 4 $ 1,362,000 $ 340,500 $ 0
Santa Clara, California 4 $ 2,534,000 $ 633,500 $ 0
Stanislaus, California 4 $ 1,269,000 $ 317,250 $ 0
Fairfield, Connecticut 4 $ 1,515,000 $ 378,750 $ 0
New Castle, Delaware 4 $ 363,000 $ 90,750 $ 0
Brevard, Florida 4 $ 986,000 $ 246,500 $ 64,000
Osceola, Florida 4 $ 622,000 $ 155,500 $ 0
Pasco, Florida 4 $ 574,000 $ 143,500 $ 0
Harris, Georgia 4 $ 844,000 $ 211,000 $ 0
Honolulu, Hawaii 4 $ 1,240,000 $ 310,000 $ 15,000
Kane, Illinois 4 $ 665,000 $ 166,250 $ 0
East Baton Rouge, Louisiana 4 $ 588,000 $ 147,000 $ 0
Plymouth, Massachusetts 4 $ 1,219,000 $ 304,750 $ 0
Washington, Minnesota 4 $ 949,000 $ 237,250 $ 0
Essex, New Jersey 4 $ 1,295,000 $ 323,750 $ 0
Mercer, New Jersey 4 $ 1,265,000 $ 316,250 $ 50,000
Niagara, New York 4 $ 320,000 $ 80,000 $ 0
Durham, North Carolina 4 $ 431,000 $ 107,750 $ 0
Hamilton, Ohio 4 $ 379,000 $ 94,750 $ 0
Berks, Pennsylvania 4 $ 979,000 $ 244,750 $ 10,000
Philadelphia, Pennsylvania 4 $ 431,000 $ 107,750 $ 0
Denton, Texas 4 $ 1,047,000 $ 261,750 $ 0
King, Washington 4 $ 1,081,000 $ 270,250 $ 0
Kitsap, Washington 4 $ 884,000 $ 221,000 $ 0
Polk, Wisconsin 4 $ 563,000 $ 140,750 $ 0
Racine, Wisconsin 4 $ 379,000 $ 94,750 $ 0
Sauk, Wisconsin 4 $ 1,186,000 $ 296,500 $ 0
Vilas, Wisconsin 4 $ 555,000 $ 138,750 $ 0
Barbour, Alabama 3 $ 398,000 $ 132,666 $ 0
Covington, Alabama 3 $ 325,000 $ 108,333 $ 0
Lawrence, Alabama 3 $ 432,000 $ 144,000 $ 0
Fresno, California 3 $ 951,000 $ 317,000 $ 26,000
Humboldt, California 3 $ 982,000 $ 327,333 $ 0
Lake, California 3 $ 715,000 $ 238,333 $ 0
Denver, Colorado 3 $ 489,000 $ 163,000 $ 0
New London, Connecticut 3 $ 585,000 $ 195,000 $ 9,000
Hernando, Florida 3 $ 824,000 $ 274,666 $ 0
Chatham, Georgia 3 $ 230,000 $ 76,666 $ 6,000
Clayton, Georgia 3 $ 1,108,000 $ 369,333 $ 18,000
Will, Illinois 3 $ 485,000 $ 161,666 $ 31,000
Marion, Indiana 3 $ 235,000 $ 78,333 $ 18,000
Polk, Iowa 3 $ 373,000 $ 124,333 $ 35,000
Baltimore City, Maryland 3 $ 933,000 $ 311,000 $ 20,000
Hampshire, Massachusetts 3 $ 514,000 $ 171,333 $ 24,000
Norfolk, Massachusetts 3 $ 1,276,000 $ 425,333 $ 21,000
Macomb, Michigan 3 $ 448,000 $ 149,333 $ 0
Chisago, Minnesota 3 $ 488,000 $ 162,666 $ 0
Dakota, Minnesota 3 $ 642,000 $ 214,000 $ 0
Fillmore, Minnesota 3 $ 516,000 $ 172,000 $ 0
Mower, Minnesota 3 $ 176,000 $ 58,666 $ 0
St. Louis, Missouri 3 $ 225,000 $ 75,000 $ 0
Hillsborough, New Hampshire 3 $ 803,000 $ 267,666 $ 23,000
Bergen, New Jersey 3 $ 1,369,000 $ 456,333 $ 43,000
Hudson, New Jersey 3 $ 1,466,000 $ 488,666 $ 0
Monmouth, New Jersey 3 $ 683,000 $ 227,666 $ 0
Passaic, New Jersey 3 $ 860,000 $ 286,666 $ 0
Union, New Jersey 3 $ 1,063,000 $ 354,333 $ 0
Albany, New York 3 $ 328,000 $ 109,333 $ 0
Dutchess, New York 3 $ 1,163,000 $ 387,666 $ 0
Erie, New York 3 $ 653,000 $ 217,666 $ 12,000
Mecklenburg, North Carolina 3 $ 349,000 $ 116,333 $ 0
Lorain, Ohio 3 $ 346,000 $ 115,333 $ 10,000
Oklahoma, Oklahoma 3 $ 249,000 $ 83,000 $ 0
Multnomah, Oregon 3 $ 631,000 $ 210,333 $ 0
Erie, Pennsylvania 3 $ 502,000 $ 167,333 $ 33,000
Davidson, Tennessee 3 $ 824,000 $ 274,666 $ 0
Norfolk, Virginia 3 $ 461,000 $ 153,666 $ 0
Virginia Beach, Virginia 3 $ 503,000 $ 167,666 $ 11,000
Spokane, Washington 3 $ 518,000 $ 172,666 $ 5,000
Barron, Wisconsin 3 $ 253,000 $ 84,333 $ 0
Calumet, Wisconsin 3 $ 179,000 $ 59,666 $ 0
Crawford, Wisconsin 3 $ 259,000 $ 86,333 $ 0
Portage, Wisconsin 3 $ 343,000 $ 114,333 $ 0
Richland, Wisconsin 3 $ 541,000 $ 180,333 $ 4,000
Rusk, Wisconsin 3 $ 234,000 $ 78,000 $ 0
Trempealeau, Wisconsin 3 $ 265,000 $ 88,333 $ 0
Vernon, Wisconsin 3 $ 419,000 $ 139,666 $ 0
Washington, Wisconsin 3 $ 971,000 $ 323,666 $ 0
Waupaca, Wisconsin 3 $ 141,000 $ 47,000 $ 0
Colbert, Alabama 2 $ 209,000 $ 104,500 $ 0
Dale, Alabama 2 $ 215,000 $ 107,500 $ 0
Escambia, Alabama 2 $ 157,000 $ 78,500 $ 0
Marshall, Alabama 2 $ 308,000 $ 154,000 $ 0
Pike, Alabama 2 $ 152,000 $ 76,000 $ 0
Randolph, Alabama 2 $ 321,000 $ 160,500 $ 0
Yuma, Arizona 2 $ 311,000 $ 155,500 $ 0
Amador, California 2 $ 459,000 $ 229,500 $ 0
Contra Costa, California 2 $ 843,000 $ 421,500 $ 0
Kings, California 2 $ 297,000 $ 148,500 $ 0
Orange, California 2 $ 982,000 $ 491,000 $ 0
San Mateo, California 2 $ 1,093,000 $ 546,500 $ 0
Tulare, California 2 $ 348,000 $ 174,000 $ 0
Fremont, Colorado 2 $ 312,000 $ 156,000 $ 0
Middlesex, Connecticut 2 $ 505,000 $ 252,500 $ 0
Tolland, Connecticut 2 $ 405,000 $ 202,500 $ 0
District of Columbia, District Of Columbia 2 $ 324,000 $ 162,000 $ 0
Leon, Florida 2 $ 115,000 $ 57,500 $ 0
Monroe, Florida 2 $ 977,000 $ 488,500 $ 0
Bibb, Georgia 2 $ 830,000 $ 415,000 $ 0
Forsyth, Georgia 2 $ 990,000 $ 495,000 $ 0
Henry, Georgia 2 $ 345,000 $ 172,500 $ 0
Walton, Georgia 2 $ 254,000 $ 127,000 $ 0
Maui, Hawaii 2 $ 1,200,000 $ 600,000 $ 0
Boone, Illinois 2 $ 340,000 $ 170,000 $ 0
Madison, Illinois 2 $ 198,000 $ 99,000 $ 36,000
Stephenson, Illinois 2 $ 276,000 $ 138,000 $ 0
Sedgwick, Kansas 2 $ 112,000 $ 56,000 $ 66,000
Wyandotte, Kansas 2 $ 288,000 $ 144,000 $ 79,000
Scott, Kentucky 2 $ 356,000 $ 178,000 $ 0
Cumberland, Maine 2 $ 333,000 $ 166,500 $ 0
Penobscot, Maine 2 $ 226,000 $ 113,000 $ 0
York, Maine 2 $ 442,000 $ 221,000 $ 0
Anne Arundel, Maryland 2 $ 391,000 $ 195,500 $ 28,000
Baltimore, Maryland 2 $ 551,000 $ 275,500 $ 0
Barnstable, Massachusetts 2 $ 1,045,000 $ 522,500 $ 85,000
Allegan, Michigan 2 $ 896,000 $ 448,000 $ 293,000
Barry, Michigan 2 $ 295,000 $ 147,500 $ 0
Genesee, Michigan 2 $ 143,000 $ 71,500 $ 5,000
Ottawa, Michigan 2 $ 238,000 $ 119,000 $ 0
Anoka, Minnesota 2 $ 264,000 $ 132,000 $ 0
Rice, Minnesota 2 $ 282,000 $ 141,000 $ 0
Clay, Missouri 2 $ 182,000 $ 91,000 $ 71,000
Platte, Missouri 2 $ 527,000 $ 263,500 $ 250,000
St. Louis City, Missouri 2 $ 305,000 $ 152,500 $ 23,000
Merrimack, New Hampshire 2 $ 487,000 $ 243,500 $ 0
Rockingham, New Hampshire 2 $ 486,000 $ 243,000 $ 55,000
Burlington, New Jersey 2 $ 223,000 $ 111,500 $ 0
Sussex, New Jersey 2 $ 1,328,000 $ 664,000 $ 15,000
Fulton, New York 2 $ 191,000 $ 95,500 $ 0
Monroe, New York 2 $ 400,000 $ 200,000 $ 0
Wayne, New York 2 $ 117,000 $ 58,500 $ 0
New Hanover, North Carolina 2 $ 337,000 $ 168,500 $ 0
Wake, North Carolina 2 $ 261,000 $ 130,500 $ 0
Lucas, Ohio 2 $ 233,000 $ 116,500 $ 28,000
Stark, Ohio 2 $ 122,000 $ 61,000 $ 20,000
Summit, Ohio 2 $ 131,000 $ 65,500 $ 0
Clackamas, Oregon 2 $ 713,000 $ 356,500 $ 0
Chester, Pennsylvania 2 $ 277,000 $ 138,500 $ 0
Lancaster, Pennsylvania 2 $ 305,000 $ 152,500 $ 0
Lehigh, Pennsylvania 2 $ 271,000 $ 135,500 $ 0
Monroe, Pennsylvania 2 $ 421,000 $ 210,500 $ 66,000
Northampton, Pennsylvania 2 $ 371,000 $ 185,500 $ 0
Pike, Pennsylvania 2 $ 343,000 $ 171,500 $ 17,000
Somerset, Pennsylvania 2 $ 282,000 $ 141,000 $ 75,000
Washington, Pennsylvania 2 $ 239,000 $ 119,500 $ 0
York, Pennsylvania 2 $ 215,000 $ 107,500 $ 0
Giles, Tennessee 2 $ 181,000 $ 90,500 $ 0
Montgomery, Texas 2 $ 488,000 $ 244,000 $ 0
Chittenden, Vermont 2 $ 388,000 $ 194,000 $ 0
Chesapeake, Virginia 2 $ 258,000 $ 129,000 $ 0
Henrico, Virginia 2 $ 346,000 $ 173,000 $ 0
Louisa, Virginia 2 $ 347,000 $ 173,500 $ 0
Newport News, Virginia 2 $ 370,000 $ 185,000 $ 0
Richmond City, Virginia 2 $ 178,000 $ 89,000 $ 0
Roanoke, Virginia 2 $ 249,000 $ 124,500 $ 0
Roanoke City, Virginia 2 $ 263,000 $ 131,500 $ 0
Snohomish, Washington 2 $ 426,000 $ 213,000 $ 0
Burnett, Wisconsin 2 $ 118,000 $ 59,000 $ 0
Kenosha, Wisconsin 2 $ 339,000 $ 169,500 $ 0
Oconto, Wisconsin 2 $ 248,000 $ 124,000 $ 0
Oneida, Wisconsin 2 $ 141,000 $ 70,500 $ 0
Ozaukee, Wisconsin 2 $ 1,183,000 $ 591,500 $ 0
Waukesha, Wisconsin 2 $ 627,000 $ 313,500 $ 0
Wood, Wisconsin 2 $ 106,000 $ 53,000 $ 0
Autauga, Alabama 1 $ 73,000 $ 73,000 $ 0
Calhoun, Alabama 1 $ 108,000 $ 108,000 $ 0
Cleburne, Alabama 1 $ 70,000 $ 70,000 $ 0
Crenshaw, Alabama 1 $ 146,000 $ 146,000 $ 0
Henry, Alabama 1 $ 59,000 $ 59,000 $ 0
St. Clair, Alabama 1 $ 166,000 $ 166,000 $ 0
Walker, Alabama 1 $ 123,000 $ 123,000 $ 0
Coconino, Arizona 1 $ 318,000 $ 318,000 $ 105,000
Mohave, Arizona 1 $ 115,000 $ 115,000 $ 0
Pinal, Arizona 1 $ 30,000 $ 30,000 $ 77,000
Santa Cruz, Arizona 1 $ 114,000 $ 114,000 $ 0
Washington, Arkansas 1 $ 100,000 $ 100,000 $ 61,000
Alameda, California 1 $ 535,000 $ 535,000 $ 0
El Dorado, California 1 $ 206,000 $ 206,000 $ 0
Imperial, California 1 $ 234,000 $ 234,000 $ 0
Monterey, California 1 $ 150,000 $ 150,000 $ 0
San Luis Obispo, California 1 $ 158,000 $ 158,000 $ 0
Santa Barbara, California 1 $ 322,000 $ 322,000 $ 0
Santa Cruz, California 1 $ 710,000 $ 710,000 $ 0
Shasta, California 1 $ 233,000 $ 233,000 $ 0
Sonoma, California 1 $ 400,000 $ 400,000 $ 0
Yolo, California 1 $ 96,000 $ 96,000 $ 0
Yuba, California 1 $ 300,000 $ 300,000 $ 0
Adams, Colorado 1 $ 72,000 $ 72,000 $ 0
Arapahoe, Colorado 1 $ 131,000 $ 131,000 $ 0
Chaffee, Colorado 1 $ 210,000 $ 210,000 $ 0
Douglas, Colorado 1 $ 260,000 $ 260,000 $ 0
El Paso, Colorado 1 $ 193,000 $ 193,000 $ 0
Grand, Colorado 1 $ 184,000 $ 184,000 $ 120,000
Jefferson, Colorado 1 $ 166,000 $ 166,000 $ 0
La Plata, Colorado 1 $ 352,000 $ 352,000 $ 0
Mesa, Colorado 1 $ 176,000 $ 176,000 $ 0
Windham, Connecticut 1 $ 320,000 $ 320,000 $ 182,000
Sussex, Delaware 1 $ 364,000 $ 364,000 $ 0
Alachua, Florida 1 $ 147,000 $ 147,000 $ 0
Clay, Florida 1 $ 179,000 $ 179,000 $ 0
Duval, Florida 1 $ 167,000 $ 167,000 $ 0
Nassau, Florida 1 $ 511,000 $ 511,000 $ 0
Okaloosa, Florida 1 $ 194,000 $ 194,000 $ 0
Polk, Florida 1 $ 83,000 $ 83,000 $ 0
Putnam, Florida 1 $ 104,000 $ 104,000 $ 0
St. Lucie, Florida 1 $ 196,000 $ 196,000 $ 0
Carroll, Georgia 1 $ 94,000 $ 94,000 $ 0
Catoosa, Georgia 1 $ 123,000 $ 123,000 $ 0
Cherokee, Georgia 1 $ 191,000 $ 191,000 $ 0
Clarke, Georgia 1 $ 94,000 $ 94,000 $ 0
Coweta, Georgia 1 $ 99,000 $ 99,000 $ 0
Evans, Georgia 1 $ 150,000 $ 150,000 $ 0
Fannin, Georgia 1 $ 174,000 $ 174,000 $ 0
Fayette, Georgia 1 $ 267,000 $ 267,000 $ 0
Glynn, Georgia 1 $ 668,000 $ 668,000 $ 0
Grady, Georgia 1 $ 110,000 $ 110,000 $ 0
Haralson, Georgia 1 $ 149,000 $ 149,000 $ 0
Lee, Georgia 1 $ 95,000 $ 95,000 $ 0
Newton, Georgia 1 $ 158,000 $ 158,000 $ 48,000
Paulding, Georgia 1 $ 124,000 $ 124,000 $ 0
Pickens, Georgia 1 $ 100,000 $ 100,000 $ 0
Toombs, Georgia 1 $ 155,000 $ 155,000 $ 0
Troup, Georgia 1 $ 83,000 $ 83,000 $ 0
Walker, Georgia 1 $ 91,000 $ 91,000 $ 0
Whitfield, Georgia 1 $ 160,000 $ 160,000 $ 67,000
Hawaii, Hawaii 1 $ 136,000 $ 136,000 $ 0
Canyon, Idaho 1 $ 85,000 $ 85,000 $ 0
Minidoka, Idaho 1 $ 77,000 $ 77,000 $ 0
Crawford, Illinois 1 $ 91,000 $ 91,000 $ 0
Cumberland, Illinois 1 $ 60,000 $ 60,000 $ 0
DeKalb, Illinois 1 $ 280,000 $ 280,000 $ 0
Lake, Illinois 1 $ 181,000 $ 181,000 $ 0
Rock Island, Illinois 1 $ 81,000 $ 81,000 $ 0
Tazewell, Illinois 1 $ 99,000 $ 99,000 $ 300,000
Whiteside, Illinois 1 $ 58,000 $ 58,000 $ 0
Bartholomew, Indiana 1 $ 157,000 $ 157,000 $ 0
Hamilton, Indiana 1 $ 146,000 $ 146,000 $ 0
Henry, Indiana 1 $ 73,000 $ 73,000 $ 64,000
Kosciusko, Indiana 1 $ 128,000 $ 128,000 $ 0
Madison, Indiana 1 $ 98,000 $ 98,000 $ 60,000
Ohio, Indiana 1 $ 216,000 $ 216,000 $ 0
Porter, Indiana 1 $ 91,000 $ 91,000 $ 0
Wayne, Indiana 1 $ 50,000 $ 50,000 $ 0
Black Hawk, Iowa 1 $ 155,000 $ 155,000 $ 0
Clayton, Iowa 1 $ 22,000 $ 22,000 $ 0
Dallas, Iowa 1 $ 111,000 $ 111,000 $ 0
Floyd, Iowa 1 $ 122,000 $ 122,000 $ 0
Linn, Iowa 1 $ 96,000 $ 96,000 $ 0
O'Brien, Iowa 1 $ 128,000 $ 128,000 $ 55,000
Warren, Iowa 1 $ 100,000 $ 100,000 $ 0
Labette, Kansas 1 $ 50,000 $ 50,000 $ 31,000
Todd, Kentucky 1 $ 60,000 $ 60,000 $ 30,000
Grant, Louisiana 1 $ 160,000 $ 160,000 $ 41,000
Orleans, Louisiana 1 $ 119,000 $ 119,000 $ 0
St. John the Baptist, Louisiana 1 $ 100,000 $ 100,000 $ 0
Aroostook, Maine 1 $ 203,000 $ 203,000 $ 90,000
Charles, Maryland 1 $ 261,000 $ 261,000 $ 0
Howard, Maryland 1 $ 348,000 $ 348,000 $ 0
Montgomery, Maryland 1 $ 184,000 $ 184,000 $ 0
Worcester, Massachusetts 1 $ 271,000 $ 271,000 $ 78,000
Kalamazoo, Michigan 1 $ 97,000 $ 97,000 $ 0
Lenawee, Michigan 1 $ 153,000 $ 153,000 $ 0
Midland, Michigan 1 $ 79,000 $ 79,000 $ 0
Newaygo, Michigan 1 $ 125,000 $ 125,000 $ 57,000
Shiawassee, Michigan 1 $ 163,000 $ 163,000 $ 0
St. Clair, Michigan 1 $ 62,000 $ 62,000 $ 57,000
Washtenaw, Michigan 1 $ 175,000 $ 175,000 $ 0
Benton, Minnesota 1 $ 126,000 $ 126,000 $ 0
Chippewa, Minnesota 1 $ 60,000 $ 60,000 $ 0
Nicollet, Minnesota 1 $ 120,000 $ 120,000 $ 0
Renville, Minnesota 1 $ 53,000 $ 53,000 $ 0
Wright, Minnesota 1 $ 126,000 $ 126,000 $ 0
DeSoto, Mississippi 1 $ 220,000 $ 220,000 $ 56,000
Harrison, Mississippi 1 $ 287,000 $ 287,000 $ 0
Madison, Mississippi 1 $ 89,000 $ 89,000 $ 0
Christian, Missouri 1 $ 130,000 $ 130,000 $ 0
Lincoln, Missouri 1 $ 80,000 $ 80,000 $ 0
Morgan, Missouri 1 $ 315,000 $ 315,000 $ 0
Randolph, Missouri 1 $ 40,000 $ 40,000 $ 34,000
St. Charles, Missouri 1 $ 196,000 $ 196,000 $ 0
Dawson, Montana 1 $ 119,000 $ 119,000 $ 0
Lewis and Clark, Montana 1 $ 200,000 $ 200,000 $ 0
Missoula, Montana 1 $ 170,000 $ 170,000 $ 113,000
Silver Bow, Montana 1 $ 113,000 $ 113,000 $ 0
Douglas, Nebraska 1 $ 127,000 $ 127,000 $ 0
Sarpy, Nebraska 1 $ 292,000 $ 292,000 $ 144,000
Douglas, Nevada 1 $ 95,000 $ 95,000 $ 0
Carroll, New Hampshire 1 $ 153,000 $ 153,000 $ 31,000
Cheshire, New Hampshire 1 $ 307,000 $ 307,000 $ 0
Camden, New Jersey 1 $ 337,000 $ 337,000 $ 0
Cumberland, New Jersey 1 $ 66,000 $ 66,000 $ 0
Middlesex, New Jersey 1 $ 371,000 $ 371,000 $ 114,000
Broome, New York 1 $ 52,000 $ 52,000 $ 0
Cayuga, New York 1 $ 50,000 $ 50,000 $ 0
Clinton, New York 1 $ 466,000 $ 466,000 $ 0
Jefferson, New York 1 $ 56,000 $ 56,000 $ 0
New York, New York 1 $ 1,190,000 $ 1,190,000 $ 0
Onondaga, New York 1 $ 50,000 $ 50,000 $ 0
Orleans, New York 1 $ 69,000 $ 69,000 $ 0
Rensselaer, New York 1 $ 119,000 $ 119,000 $ 0
Rockland, New York 1 $ 503,000 $ 503,000 $ 0
Saratoga, New York 1 $ 417,000 $ 417,000 $ 0
Ulster, New York 1 $ 171,000 $ 171,000 $ 77,000
Wyoming, New York 1 $ 81,000 $ 81,000 $ 35,000
Alexander, North Carolina 1 $ 103,000 $ 103,000 $ 0
Ashe, North Carolina 1 $ 239,000 $ 239,000 $ 0
Bladen, North Carolina 1 $ 285,000 $ 285,000 $ 73,000
Brunswick, North Carolina 1 $ 296,000 $ 296,000 $ 0
Buncombe, North Carolina 1 $ 143,000 $ 143,000 $ 0
Cherokee, North Carolina 1 $ 145,000 $ 145,000 $ 0
Cumberland, North Carolina 1 $ 77,000 $ 77,000 $ 0
Gaston, North Carolina 1 $ 60,000 $ 60,000 $ 50,000
Guilford, North Carolina 1 $ 63,000 $ 63,000 $ 0
Macon, North Carolina 1 $ 155,000 $ 155,000 $ 0
Onslow, North Carolina 1 $ 111,000 $ 111,000 $ 0
Transylvania, North Carolina 1 $ 69,000 $ 69,000 $ 0
Burleigh, North Dakota 1 $ 239,000 $ 239,000 $ 58,000
Cuyahoga, Ohio 1 $ 76,000 $ 76,000 $ 0
Fairfield, Ohio 1 $ 235,000 $ 235,000 $ 0
Gallia, Ohio 1 $ 88,000 $ 88,000 $ 48,000
Geauga, Ohio 1 $ 115,000 $ 115,000 $ 32,000
Hancock, Ohio 1 $ 133,000 $ 133,000 $ 0
Huron, Ohio 1 $ 64,000 $ 64,000 $ 43,000
Lake, Ohio 1 $ 78,000 $ 78,000 $ 41,000
Marion, Ohio 1 $ 65,000 $ 65,000 $ 55,000
Medina, Ohio 1 $ 106,000 $ 106,000 $ 0
Montgomery, Ohio 1 $ 68,000 $ 68,000 $ 0
Perry, Ohio 1 $ 78,000 $ 78,000 $ 0
Van Wert, Ohio 1 $ 18,000 $ 18,000 $ 109,000
Kingfisher, Oklahoma 1 $ 133,000 $ 133,000 $ 0
Tulsa, Oklahoma 1 $ 120,000 $ 120,000 $ 0
Wagoner, Oklahoma 1 $ 143,000 $ 143,000 $ 0
Coos, Oregon 1 $ 401,000 $ 401,000 $ 0
Jackson, Oregon 1 $ 351,000 $ 351,000 $ 0
Josephine, Oregon 1 $ 224,000 $ 224,000 $ 0
Lane, Oregon 1 $ 229,000 $ 229,000 $ 0
Allegheny, Pennsylvania 1 $ 54,000 $ 54,000 $ 0
Bucks, Pennsylvania 1 $ 310,000 $ 310,000 $ 0
Carbon, Pennsylvania 1 $ 186,000 $ 186,000 $ 0
Crawford, Pennsylvania 1 $ 76,000 $ 76,000 $ 0
Dauphin, Pennsylvania 1 $ 200,000 $ 200,000 $ 0
Delaware, Pennsylvania 1 $ 122,000 $ 122,000 $ 0
Mercer, Pennsylvania 1 $ 111,000 $ 111,000 $ 71,000
Bristol, Rhode Island 1 $ 340,000 $ 340,000 $ 0
Kent, Rhode Island 1 $ 292,000 $ 292,000 $ 0
Charleston, South Carolina 1 $ 315,000 $ 315,000 $ 200,000
Colleton, South Carolina 1 $ 100,000 $ 100,000 $ 0
Greenville, South Carolina 1 $ 155,000 $ 155,000 $ 85,000
Horry, South Carolina 1 $ 154,000 $ 154,000 $ 0
Kershaw, South Carolina 1 $ 248,000 $ 248,000 $ 0
Spartanburg, South Carolina 1 $ 128,000 $ 128,000 $ 0
York, South Carolina 1 $ 90,000 $ 90,000 $ 0
Pennington, South Dakota 1 $ 178,000 $ 178,000 $ 0
Overton, Tennessee 1 $ 73,000 $ 73,000 $ 0
Shelby, Tennessee 1 $ 59,000 $ 59,000 $ 65,000
Union, Tennessee 1 $ 92,000 $ 92,000 $ 0
Wayne, Tennessee 1 $ 110,000 $ 110,000 $ 0
Williamson, Tennessee 1 $ 121,000 $ 121,000 $ 0
Brazoria, Texas 1 $ 180,000 $ 180,000 $ 0
Comal, Texas 1 $ 64,000 $ 64,000 $ 0
Coryell, Texas 1 $ 54,000 $ 54,000 $ 0
El Paso, Texas 1 $ 57,000 $ 57,000 $ 0
Erath, Texas 1 $ 60,000 $ 60,000 $ 55,000
Galveston, Texas 1 $ 252,000 $ 252,000 $ 0
Grayson, Texas 1 $ 110,000 $ 110,000 $ 0
Hays, Texas 1 $ 55,000 $ 55,000 $ 0
Hidalgo, Texas 1 $ 322,000 $ 322,000 $ 0
Hunt, Texas 1 $ 106,000 $ 106,000 $ 0
Llano, Texas 1 $ 184,000 $ 184,000 $ 0
Midland, Texas 1 $ 233,000 $ 233,000 $ 0
Orange, Texas 1 $ 134,000 $ 134,000 $ 0
Panola, Texas 1 $ 150,000 $ 150,000 $ 0
Parker, Texas 1 $ 123,000 $ 123,000 $ 0
Runnels, Texas 1 $ 31,000 $ 31,000 $ 31,000
Smith, Texas 1 $ 87,000 $ 87,000 $ 0
Webb, Texas 1 $ 116,000 $ 116,000 $ 0
Washington, Utah 1 $ 467,000 $ 467,000 $ 0
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Mortgage Loan Application Detail Totals for H&R Block Bank 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
Refinancing 1,685 $331,004,000 $196,000 $1,600,000 $6,000 $470,000
Home Purchase 1,372 $241,288,000 $175,000 $1,136,000 $1,000 $300,000
Home Improvement 2 $207,000 $103,000 $132,000 $23,000 $46,000

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
Not applicable 2,892 $539,206,000 $186,000 $1,600,000 $0 $0
White 109 $19,374,000 $177,000 $810,000 $84,000 $470,000
Not Provided 31 $7,331,000 $236,000 $684,000 $83,000 $468,000
Black or African American 11 $2,610,000 $237,000 $519,000 $73,000 $139,000
Hispanic 9 $2,355,000 $261,000 $564,000 $76,000 $138,000
Asian 5 $1,210,000 $242,000 $371,000 $103,000 $151,000
American Indian or Alaskan Native 1 $285,000 $285,000 $285,000 $73,000 $73,000
Native Hawaiian or Other Pacific Islander 1 $128,000 $128,000 $128,000 $90,000 $90,000

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) 3,058 $572,411,000 $187,000 $1,600,000 $4,000 $470,000
VA-guaranteed (Veterans Administration) 1 $88,000 $88,000 $88,000 $48,000 $48,000
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

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 Purchased By The Institution 2,892 $539,206,000 $186,000 $1,600,000 $0 $0
Application Denied By Financial Institution 96 $19,074,000 $198,000 $684,000 $68,000 $300,000
Loan Originated 41 $7,338,000 $178,000 $810,000 $105,000 $468,000
Application Withdrawn By Applicant 30 $6,881,000 $229,000 $518,000 $102,000 $470,000
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
Application Approved But Not Accepted 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 67 $11,227,000 $167,000 $684,000 $74,000 $300,000
Debt-To-Income Ratio 16 $3,965,000 $247,000 $491,000 $52,000 $147,000
Collateral 5 $1,286,000 $257,000 $510,000 $74,000 $139,000
Other 4 $1,038,000 $259,000 $475,000 $51,000 $82,000
Employment History 2 $490,000 $245,000 $251,000 $59,000 $60,000
Insufficient Cash (Downpayment, Closing Cost) 1 $385,000 $385,000 $385,000 $16,000 $16,000
Unverifiable Information 1 $683,000 $683,000 $683,000 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into H&R Block Bank'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 H&R Block Bank'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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