H&R Block Mortgage Corporation Mortgage Lending & HMDA Data, 2004
In 2004, H&R Block Mortgage Corporation of Irvine, CA reported 48,842 mortgage applications totaling $6.2 billion, up 7% from 2003. The average application was for $126,636, and applicants reported an average income of $53,352. 54% of its applications resulted in an originated loan and 27% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (1,831), Chicago-Naperville-Joliet, IL (1,327) and Philadelphia, PA (1,130) (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 | 48,842 |
| Total Mortgage Loan Application Amount | $6,185,160,000 |
| Average Mortgage Loan Application Amount | $126,636 |
| Highest Mortgage Loan Application Amount | $1,258,000 |
| Average Applicant Income | $53,352 |
| Highest Applicant Income | $3,504,000 |
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records H&R Block Mortgage Corporation filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2004
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 | 43,704 | $5,551,529,000 | $120,653 | $1,200,000 | $51,020 | $1,617,000 |
| Home Purchase | 4,103 | $489,419,000 | $122,857 | $1,258,000 | $71,469 | $3,504,000 |
| Home Improvement | 1,035 | $144,212,000 | $118,116 | $1,200,000 | $52,279 | $587,000 |
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 |
|---|---|---|---|---|---|---|
| White | 24,457 | $3,065,218,000 | $123,627 | $1,258,000 | $56,705 | $3,504,000 |
| Not Provided | 10,901 | $1,409,489,000 | $121,920 | $1,150,000 | $53,040 | $2,304,000 |
| Black or African American | 8,186 | $954,315,000 | $116,934 | $1,100,000 | $50,021 | $982,000 |
| Hispanic | 4,143 | $576,192,000 | $121,080 | $736,000 | $49,340 | $480,000 |
| Asian | 395 | $71,318,000 | $147,463 | $731,000 | $64,878 | $593,000 |
| Not applicable | 308 | $40,729,000 | $122,853 | $604,000 | $55,000 | $420,000 |
| Native Hawaiian or Other Pacific Islander | 241 | $43,213,000 | $144,030 | $551,000 | $52,909 | $186,000 |
| American Indian or Alaskan Native | 211 | $24,686,000 | $107,250 | $520,000 | $49,875 | $352,000 |
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) | 46,007 | $5,903,145,000 | $121,529 | $1,258,000 | $54,509 | $3,504,000 |
| FHA-insured (Federal Housing Administration) | 2,831 | $281,524,000 | $102,872 | $324,000 | $37,446 | $214,000 |
| VA-guaranteed (Veterans Administration) | 4 | $491,000 | $110,666 | $205,000 | $50,333 | $65,000 |
| 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 | 26,215 | $3,464,308,000 | $122,734 | $1,200,000 | $53,122 | $1,617,000 |
| Application Denied By Financial Institution | 12,944 | $1,512,492,000 | $119,960 | $1,200,000 | $52,620 | $2,304,000 |
| Application Approved But Not Accepted | 7,309 | $925,956,000 | $117,938 | $1,051,000 | $54,591 | $3,504,000 |
| Application Withdrawn By Applicant | 1,649 | $205,025,000 | $122,395 | $1,000,000 | $53,604 | $972,000 |
| File Closed For Incompleteness | 320 | $34,939,000 | $117,794 | $560,000 | $42,088 | $190,000 |
| Preapproval Denied by Financial Institution | 220 | $24,903,000 | $113,000 | $1,258,000 | $54,000 | $211,000 |
| Preapproval Approved but not Accepted | 185 | $17,537,000 | $94,000 | $384,000 | $68,000 | $258,000 |
| 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 | 7,758 | $946,011,000 | $122,215 | $1,258,000 | $55,333 | $2,304,000 |
| Collateral | 2,970 | $312,654,000 | $115,400 | $1,019,000 | $50,920 | $750,000 |
| Credit History | 1,357 | $152,213,000 | $112,955 | $1,106,000 | $49,333 | $675,000 |
| Debt-To-Income Ratio | 547 | $62,978,000 | $122,622 | $680,000 | $46,466 | $391,000 |
| Unverifiable Information | 204 | $24,771,000 | $112,828 | $468,000 | $49,057 | $191,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 159 | $20,589,000 | $117,303 | $565,000 | $53,424 | $216,000 |
| Credit Application Incomplete | 74 | $9,119,000 | $107,440 | $470,000 | $51,760 | $180,000 |
| Employment History | 33 | $3,611,000 | $108,470 | $210,000 | $38,000 | $103,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into H&R Block Mortgage Corporation's 2004 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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