H&R Block Mortgage Corporation Mortgage Lending & HMDA Data, 2007
In 2007, H&R Block Mortgage Corporation of Irvine, CA reported 14,269 mortgage applications totaling $2.5 billion, down 62% from 2006. The average application was for $177,273, and applicants reported an average income of $75,170. 46% of its applications resulted in an originated loan and 35% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (376), Philadelphia, PA (346) and Houston-Sugar Land-Baytown, TX (340) (applications in parentheses).
| Mortgage Company & Address | H&R Block Mortgage Corporation 6501 Irvine Center Drive Irvine, CA 92618 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 14,269 |
| Total Mortgage Loan Application Amount | $2,529,511,000 |
| Average Mortgage Loan Application Amount | $177,273 |
| Highest Mortgage Loan Application Amount | $1,615,000 |
| Average Applicant Income | $75,170 |
| Highest Applicant Income | $1,776,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records H&R Block Mortgage Corporation filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Detail Totals for H&R Block Mortgage Corporation 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 | 13,730 | $2,443,064,000 | $177,000 | $1,615,000 | $75,000 | $1,776,000 |
| Home Purchase | 440 | $68,181,000 | $154,000 | $1,000,000 | $83,000 | $647,000 |
| Home Improvement | 99 | $18,266,000 | $184,000 | $770,000 | $64,000 | $238,000 |
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 Provided | 7,809 | $1,422,346,000 | $182,000 | $1,615,000 | $77,000 | $1,776,000 |
| White | 4,499 | $760,097,000 | $168,000 | $1,194,000 | $75,000 | $1,200,000 |
| Black or African American | 1,020 | $159,482,000 | $156,000 | $1,204,000 | $67,000 | $544,000 |
| Hispanic | 791 | $157,143,000 | $198,000 | $935,000 | $73,000 | $486,000 |
| Asian | 77 | $16,272,000 | $211,000 | $812,000 | $81,000 | $231,000 |
| Native Hawaiian or Other Pacific Islander | 50 | $11,206,000 | $224,000 | $640,000 | $81,000 | $256,000 |
| American Indian or Alaskan Native | 23 | $2,965,000 | $128,000 | $301,000 | $62,000 | $149,000 |
| 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) | 14,269 | $2,529,511,000 | $177,000 | $1,615,000 | $76,000 | $1,776,000 |
| 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 |
| 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 | 6,546 | $1,114,690,000 | $170,000 | $1,300,000 | $74,000 | $1,200,000 |
| Application Denied By Financial Institution | 4,976 | $887,292,000 | $178,000 | $1,615,000 | $75,000 | $1,776,000 |
| Application Approved But Not Accepted | 2,662 | $510,056,000 | $191,000 | $1,365,000 | $81,000 | $1,500,000 |
| Application Withdrawn By Applicant | 74 | $15,700,000 | $212,000 | $1,362,000 | $87,000 | $515,000 |
| Preapproval Denied by Financial Institution | 8 | $835,000 | $104,000 | $200,000 | $46,000 | $64,000 |
| File Closed For Incompleteness | 3 | $938,000 | $312,000 | $392,000 | $247,000 | $391,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Other | 3,073 | $552,794,000 | $179,000 | $1,615,000 | $76,000 | $1,776,000 |
| Collateral | 1,355 | $231,804,000 | $171,000 | $975,000 | $71,000 | $648,000 |
| Debt-To-Income Ratio | 227 | $41,097,000 | $181,000 | $641,000 | $62,000 | $376,000 |
| Credit History | 155 | $26,318,000 | $169,000 | $575,000 | $74,000 | $550,000 |
| Unverifiable Information | 89 | $20,616,000 | $231,000 | $1,139,000 | $101,000 | $840,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 63 | $11,637,000 | $184,000 | $1,000,000 | $90,000 | $409,000 |
| Employment History | 13 | $2,306,000 | $177,000 | $327,000 | $119,000 | $420,000 |
| Credit Application Incomplete | 9 | $1,555,000 | $172,000 | $359,000 | $77,000 | $125,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into H&R Block Mortgage Corporation'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 Mortgage Corporation'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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