H&R Block Mortgage Corporation Mortgage Lending & HMDA Data, 2005
In 2005, H&R Block Mortgage Corporation of Irvine, CA reported 60,218 mortgage applications totaling $8.5 billion, up 23% from 2004. The average application was for $141,846, and applicants reported an average income of $57,798. 57% of its applications resulted in an originated loan and 26% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (1,668), Phoenix-Mesa-Scottsdale, AZ (1,606) and Philadelphia, PA (1,380) (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 | 60,218 |
| Total Mortgage Loan Application Amount | $8,541,704,000 |
| Average Mortgage Loan Application Amount | $141,846 |
| Highest Mortgage Loan Application Amount | $4,200,000 |
| Average Applicant Income | $57,798 |
| Highest Applicant Income | $1,560,000 |
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records H&R Block Mortgage Corporation filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2005
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 | 52,972 | $7,644,461,000 | $134,140 | $4,200,000 | $55,760 | $1,560,000 |
| Home Purchase | 5,649 | $647,883,000 | $117,900 | $1,120,000 | $67,940 | $1,380,000 |
| Home Improvement | 1,597 | $249,360,000 | $140,857 | $1,146,000 | $59,306 | $851,000 |
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 | 29,741 | $4,131,629,000 | $132,666 | $4,200,000 | $58,019 | $1,560,000 |
| Not Provided | 16,236 | $2,415,024,000 | $137,352 | $2,438,000 | $62,137 | $1,380,000 |
| Black or African American | 8,465 | $1,069,306,000 | $136,425 | $1,599,000 | $53,170 | $504,000 |
| Hispanic | 4,747 | $729,130,000 | $136,489 | $965,000 | $55,857 | $682,000 |
| Asian | 491 | $106,444,000 | $171,051 | $1,531,000 | $75,512 | $851,000 |
| Native Hawaiian or Other Pacific Islander | 302 | $57,750,000 | $141,029 | $1,040,000 | $64,911 | $540,000 |
| American Indian or Alaskan Native | 236 | $32,421,000 | $123,651 | $594,000 | $61,720 | $494,000 |
| 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) | 58,249 | $8,334,692,000 | $132,549 | $4,200,000 | $58,431 | $1,560,000 |
| FHA-insured (Federal Housing Administration) | 1,967 | $206,805,000 | $108,500 | $449,000 | $39,477 | $242,000 |
| VA-guaranteed (Veterans Administration) | 2 | $207,000 | $103,500 | $133,000 | $27,000 | $54,000 |
| 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 | 34,421 | $5,068,910,000 | $134,960 | $2,000,000 | $59,180 | $1,560,000 |
| Application Denied By Financial Institution | 15,589 | $1,990,751,000 | $132,140 | $4,200,000 | $55,680 | $1,560,000 |
| Application Approved But Not Accepted | 9,053 | $1,331,327,000 | $131,680 | $1,820,000 | $57,200 | $988,000 |
| Application Withdrawn By Applicant | 740 | $103,684,000 | $138,872 | $2,438,000 | $60,148 | $641,000 |
| File Closed For Incompleteness | 237 | $28,994,000 | $138,542 | $628,000 | $56,542 | $465,000 |
| Preapproval Approved but not Accepted | 96 | $11,042,000 | $115,000 | $450,000 | $75,000 | $1,380,000 |
| Preapproval Denied by Financial Institution | 82 | $6,996,000 | $85,000 | $280,000 | $51,000 | $170,000 |
| 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 | 9,976 | $1,295,048,000 | $131,490 | $4,200,000 | $57,803 | $1,560,000 |
| Collateral | 2,998 | $355,384,000 | $132,392 | $1,599,000 | $55,078 | $480,000 |
| Credit History | 1,083 | $133,527,000 | $127,217 | $700,000 | $52,608 | $498,000 |
| Debt-To-Income Ratio | 864 | $114,995,000 | $144,916 | $735,000 | $45,562 | $420,000 |
| Unverifiable Information | 356 | $51,264,000 | $140,926 | $1,200,000 | $67,073 | $336,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 218 | $26,759,000 | $127,692 | $586,000 | $57,230 | $351,000 |
| Credit Application Incomplete | 102 | $12,618,000 | $153,708 | $975,000 | $54,083 | $180,000 |
| Employment History | 39 | $4,613,000 | $118,764 | $217,000 | $51,117 | $150,000 |
| Mortgage Insurance Denied | 2 | $334,000 | $167,000 | $190,000 | $74,500 | $85,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into H&R Block Mortgage Corporation's 2005 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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with aggregated HMDA statistics today.
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