H&R Block Mortgage Corporation Mortgage Lending & HMDA Data, 2006
In 2006, H&R Block Mortgage Corporation of Irvine, CA reported 37,395 mortgage applications totaling $6.2 billion, down 38% from 2005. The average application was for $164,587, and applicants reported an average income of $68,843. 50% of its applications resulted in an originated loan and 30% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (875), Phoenix-Mesa-Scottsdale, AZ (850) and Philadelphia, PA (813) (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 | 37,395 |
| Total Mortgage Loan Application Amount | $6,154,762,000 |
| Average Mortgage Loan Application Amount | $164,587 |
| Highest Mortgage Loan Application Amount | $1,855,000 |
| Average Applicant Income | $68,843 |
| Highest Applicant Income | $4,992,000 |
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records H&R Block Mortgage Corporation filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2006
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 | 34,396 | $5,748,800,000 | $167,000 | $1,855,000 | $68,000 | $4,992,000 |
| Home Purchase | 2,254 | $275,630,000 | $122,000 | $1,063,000 | $81,000 | $1,005,000 |
| Home Improvement | 745 | $130,332,000 | $174,000 | $1,120,000 | $71,000 | $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 |
|---|---|---|---|---|---|---|
| Not Provided | 15,308 | $2,637,980,000 | $172,000 | $1,855,000 | $71,000 | $4,992,000 |
| White | 15,190 | $2,402,185,000 | $158,000 | $1,530,000 | $69,000 | $2,916,000 |
| Black or African American | 4,234 | $603,663,000 | $142,000 | $1,275,000 | $60,000 | $1,200,000 |
| Hispanic | 2,096 | $386,466,000 | $184,000 | $1,125,000 | $66,000 | $604,000 |
| Asian | 236 | $58,735,000 | $248,000 | $1,250,000 | $93,000 | $851,000 |
| American Indian or Alaskan Native | 174 | $29,912,000 | $171,000 | $740,000 | $81,000 | $1,005,000 |
| Native Hawaiian or Other Pacific Islander | 157 | $35,821,000 | $228,000 | $1,034,000 | $75,000 | $384,000 |
| 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) | 37,395 | $6,154,762,000 | $164,000 | $1,855,000 | $69,000 | $4,992,000 |
| 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 | 18,632 | $3,107,744,000 | $166,000 | $1,300,000 | $70,000 | $1,005,000 |
| Application Denied By Financial Institution | 11,254 | $1,742,616,000 | $154,000 | $1,723,000 | $64,000 | $2,916,000 |
| Application Approved But Not Accepted | 7,098 | $1,228,008,000 | $173,000 | $1,855,000 | $71,000 | $4,992,000 |
| Application Withdrawn By Applicant | 297 | $60,774,000 | $204,000 | $1,300,000 | $73,000 | $432,000 |
| File Closed For Incompleteness | 47 | $7,846,000 | $166,000 | $720,000 | $67,000 | $240,000 |
| Preapproval Approved but not Accepted | 37 | $4,445,000 | $120,000 | $760,000 | $69,000 | $339,000 |
| Preapproval Denied by Financial Institution | 30 | $3,329,000 | $110,000 | $601,000 | $56,000 | $120,000 |
| 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 | 7,284 | $1,164,341,000 | $159,000 | $1,723,000 | $66,000 | $2,916,000 |
| Collateral | 2,269 | $304,524,000 | $134,000 | $1,033,000 | $59,000 | $723,000 |
| Debt-To-Income Ratio | 681 | $113,921,000 | $167,000 | $1,200,000 | $56,000 | $895,000 |
| Credit History | 550 | $83,123,000 | $151,000 | $1,400,000 | $61,000 | $684,000 |
| Unverifiable Information | 271 | $42,914,000 | $158,000 | $1,125,000 | $64,000 | $341,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 145 | $23,289,000 | $160,000 | $548,000 | $65,000 | $246,000 |
| Credit Application Incomplete | 51 | $8,905,000 | $174,000 | $840,000 | $93,000 | $361,000 |
| Employment History | 33 | $4,928,000 | $149,000 | $630,000 | $99,000 | $321,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into H&R Block Mortgage Corporation's 2006 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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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