H&R Block Mortgage Corporation Mortgage Lending & HMDA Data, 2003
In 2003, H&R Block Mortgage Corporation of Irvine, CA reported 45,616 mortgage applications totaling $5.6 billion. The average application was for $123,638, and applicants reported an average income of $53,537. 54% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Boston, MA-NH (1,615), Atlanta, GA (1,443) and Chicago, IL (1,210) (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 | 45,616 |
| Total Mortgage Loan Application Amount | $5,639,873,000 |
| Average Mortgage Loan Application Amount | $123,638 |
| Highest Mortgage Loan Application Amount | $1,560,000 |
| Average Applicant Income | $53,537 |
| Highest Applicant Income | $1,740,000 |
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records H&R Block Mortgage Corporation filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 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) | 43,322 | $5,314,393,000 | $116,411 | $1,560,000 | $52,392 | $1,740,000 |
| Home Purchase (one-to-four family) | 2,294 | $325,480,000 | $122,040 | $792,000 | $63,918 | $652,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement (one-to-four family) | 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 | 18,630 | $2,299,390,000 | $115,880 | $1,560,000 | $53,660 | $1,740,000 |
| Information not provided by applicant in mail or telephone application | 17,139 | $2,113,204,000 | $117,764 | $1,222,000 | $55,176 | $1,637,000 |
| Black | 4,525 | $484,592,000 | $102,666 | $950,000 | $48,500 | $540,000 |
| Hispanic | 2,466 | $324,359,000 | $109,183 | $540,000 | $47,122 | $259,000 |
| Other | 2,371 | $336,458,000 | $120,979 | $880,000 | $53,938 | $581,000 |
| Asian or Pacific Islander | 397 | $71,937,000 | $139,621 | $886,000 | $62,594 | $305,000 |
| American Indian or Alaskan Native | 88 | $9,933,000 | $112,848 | $380,000 | $53,909 | $280,000 |
| 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) | 41,923 | $5,225,127,000 | $117,784 | $1,560,000 | $55,392 | $1,740,000 |
| FHA-insured (Federal Housing Administration) | 3,658 | $410,075,000 | $101,562 | $395,000 | $37,104 | $504,000 |
| VA-guaranteed (Veterans Administration) | 35 | $4,671,000 | $125,600 | $240,000 | $49,666 | $144,000 |
| 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 | 24,526 | $3,102,142,000 | $116,196 | $1,222,000 | $54,137 | $1,637,000 |
| Application Denied By Financial Institution | 10,112 | $1,141,244,000 | $115,720 | $1,560,000 | $53,260 | $959,000 |
| Application Withdrawn By Applicant | 6,132 | $785,964,000 | $113,940 | $1,000,000 | $49,540 | $1,740,000 |
| Application Approved But Not Accepted | 4,492 | $564,863,000 | $115,380 | $950,000 | $57,260 | $619,000 |
| File Closed For Incompleteness | 354 | $45,660,000 | $133,864 | $720,000 | $58,567 | $330,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 3,667 | $405,815,000 | $110,040 | $1,000,000 | $53,760 | $576,000 |
| Collateral | 2,783 | $305,401,000 | $114,938 | $950,000 | $55,224 | $959,000 |
| Credit History | 2,128 | $235,511,000 | $117,142 | $1,560,000 | $54,795 | $900,000 |
| Debt-To-Income Ratio | 1,130 | $143,177,000 | $126,666 | $816,000 | $42,250 | $250,000 |
| Unverifiable Information | 201 | $26,439,000 | $121,925 | $525,000 | $57,250 | $264,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 109 | $13,174,000 | $116,448 | $783,000 | $59,689 | $240,000 |
| Credit Application Incomplete | 46 | $5,001,000 | $117,947 | $358,000 | $56,631 | $380,000 |
| Employment History | 34 | $3,846,000 | $119,823 | $360,000 | $50,705 | $150,000 |
| Mortgage Insurance Denied | 1 | $108,000 | $108,000 | $108,000 | $45,000 | $45,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into H&R Block Mortgage Corporation'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 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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