Home Consultants
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Home Consultants 2004 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Home Consultants 473 Easton Turnpike Ste A Lake Ariel, PA 18436 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,268 |
| Total Mortgage Loan Application Amount | $200,575,000 |
| Average Mortgage Loan Application Amount | $153,860 |
| Highest Mortgage Loan Application Amount | $1,029,000 |
| Average Applicant Income | $52,069 |
| Highest Applicant Income | $1,080,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Home Consultants. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Home Consultants's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Home Consultants's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Home Consultants serves its applicants.
Each category highlights the total number of mortgage applications processed by Home Consultants, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Home Consultants's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lackawanna County Pennsylvania | 78 | $ 7,701,000 | $ 98,000 | $ 34,000 |
| Richmond County New York | 61 | $ 14,149,000 | $ 231,000 | $ 49,000 |
| Kings County New York | 51 | $ 14,967,000 | $ 293,000 | $ 56,000 |
| Queens County New York | 40 | $ 11,029,000 | $ 275,000 | $ 46,000 |
| Onondaga County New York | 29 | $ 2,407,000 | $ 83,000 | $ 21,000 |
| Suffolk County New York | 27 | $ 6,993,000 | $ 259,000 | $ 67,000 |
| Prince George's County Maryland | 24 | $ 4,403,000 | $ 183,000 | $ 53,000 |
| Monmouth County New Jersey | 24 | $ 6,632,000 | $ 276,000 | $ 85,000 |
| Middlesex County New Jersey | 23 | $ 3,950,000 | $ 171,000 | $ 54,000 |
| Union County New Jersey | 23 | $ 4,144,000 | $ 180,000 | $ 64,000 |
| Oneida County New York | 21 | $ 1,505,000 | $ 71,000 | $ 1,000 |
| Wayne County Pennsylvania | 21 | $ 1,943,000 | $ 92,000 | $ 31,000 |
| Marion County Indiana | 17 | $ 2,611,000 | $ 153,000 | $ 11,000 |
| Westchester County New York | 17 | $ 5,494,000 | $ 323,000 | $ 83,000 |
| Cleveland County North Carolina | 17 | $ 1,638,000 | $ 96,000 | $ 17,000 |
| Cayuga County New York | 14 | $ 1,227,000 | $ 87,000 | $ 25,000 |
| New Hanover County North Carolina | 14 | $ 1,389,000 | $ 99,000 | $ 29,000 |
| Sarasota County Florida | 13 | $ 1,713,000 | $ 131,000 | $ 58,000 |
| Hillsborough County Florida | 12 | $ 1,367,000 | $ 113,000 | $ 32,000 |
| Ocean County New Jersey | 12 | $ 2,315,000 | $ 192,000 | $ 42,000 |
| Nassau County New York | 12 | $ 3,370,000 | $ 280,000 | $ 34,000 |
| Gaston County North Carolina | 12 | $ 1,294,000 | $ 107,000 | $ 26,000 |
| Luzerne County Pennsylvania | 12 | $ 1,048,000 | $ 87,000 | $ 29,000 |
| Virginia Beach County Virginia | 12 | $ 1,180,000 | $ 98,000 | $ 0 |
| Iredell County North Carolina | 11 | $ 1,309,000 | $ 119,000 | $ 14,000 |
| District of Columbia County District Of Columbia | 10 | $ 1,856,000 | $ 185,000 | $ 42,000 |
| Pasco County Florida | 10 | $ 1,112,000 | $ 111,000 | $ 59,000 |
| Cook County Illinois | 10 | $ 1,471,000 | $ 147,000 | $ 28,000 |
| Wayne County Michigan | 10 | $ 974,000 | $ 97,000 | $ 9,000 |
| Essex County New Jersey | 10 | $ 1,800,000 | $ 180,000 | $ 33,000 |
| Mecklenburg County North Carolina | 10 | $ 1,334,000 | $ 133,000 | $ 26,000 |
| Rockland County New York | 9 | $ 2,019,000 | $ 224,000 | $ 64,000 |
| Monroe County Pennsylvania | 9 | $ 1,052,000 | $ 116,000 | $ 50,000 |
| Baltimore County Maryland | 8 | $ 1,030,000 | $ 128,000 | $ 0 |
| Somerset County New Jersey | 7 | $ 1,463,000 | $ 209,000 | $ 30,000 |
| Bronx County New York | 7 | $ 1,715,000 | $ 245,000 | $ 29,000 |
| Oswego County New York | 7 | $ 454,000 | $ 64,000 | $ 9,000 |
| Pike County Pennsylvania | 7 | $ 835,000 | $ 119,000 | $ 45,000 |
| Wyoming County Pennsylvania | 7 | $ 804,000 | $ 114,000 | $ 50,000 |
| Pinellas County Florida | 6 | $ 586,000 | $ 97,000 | $ 55,000 |
| Hinds County Mississippi | 6 | $ 260,000 | $ 43,000 | $ 58,000 |
| Orange County New York | 6 | $ 1,192,000 | $ 198,000 | $ 45,000 |
| Prince William County Virginia | 6 | $ 1,127,000 | $ 187,000 | $ 48,000 |
| Manatee County Florida | 5 | $ 860,000 | $ 172,000 | $ 117,000 |
| Montgomery County Maryland | 5 | $ 904,000 | $ 180,000 | $ 54,000 |
| Broome County New York | 5 | $ 329,000 | $ 65,000 | $ 37,000 |
| Cattaraugus County New York | 5 | $ 312,000 | $ 62,000 | $ 33,000 |
| Livingston County New York | 5 | $ 436,000 | $ 87,000 | $ 29,000 |
| Madison County New York | 5 | $ 354,000 | $ 70,000 | $ 21,000 |
| Otsego County New York | 5 | $ 397,000 | $ 79,000 | $ 67,000 |
| Brunswick County North Carolina | 5 | $ 459,000 | $ 91,000 | $ 38,000 |
| Catawba County North Carolina | 5 | $ 500,000 | $ 100,000 | $ 27,000 |
| Union County North Carolina | 5 | $ 656,000 | $ 131,000 | $ 43,000 |
| Charles County Maryland | 4 | $ 866,000 | $ 216,000 | $ 20,000 |
| Bergen County New Jersey | 4 | $ 838,000 | $ 209,000 | $ 221,000 |
| Hudson County New Jersey | 4 | $ 701,000 | $ 175,000 | $ 89,000 |
| Putnam County New York | 4 | $ 1,022,000 | $ 255,000 | $ 35,000 |
| Burke County North Carolina | 4 | $ 443,000 | $ 110,000 | $ 42,000 |
| Cabarrus County North Carolina | 4 | $ 515,000 | $ 128,000 | $ 18,000 |
| Caldwell County North Carolina | 4 | $ 361,000 | $ 90,000 | $ 16,000 |
| Vance County North Carolina | 4 | $ 427,000 | $ 106,000 | $ 29,000 |
| Bexar County Texas | 4 | $ 437,000 | $ 109,000 | $ 0 |
| Chesapeake County Virginia | 4 | $ 555,000 | $ 138,000 | $ 0 |
| Newport News County Virginia | 4 | $ 448,000 | $ 112,000 | $ 0 |
| Fairfield County Connecticut | 3 | $ 990,000 | $ 330,000 | $ 163,000 |
| Palm Beach County Florida | 3 | $ 531,000 | $ 177,000 | $ 44,000 |
| Anne Arundel County Maryland | 3 | $ 424,000 | $ 141,000 | $ 0 |
| Macomb County Michigan | 3 | $ 271,000 | $ 90,000 | $ 28,000 |
| Columbia County New York | 3 | $ 348,000 | $ 116,000 | $ 9,000 |
| Dutchess County New York | 3 | $ 478,000 | $ 159,000 | $ 27,000 |
| Saratoga County New York | 3 | $ 433,000 | $ 144,000 | $ 67,000 |
| Pender County North Carolina | 3 | $ 207,000 | $ 69,000 | $ 39,000 |
| York County South Carolina | 3 | $ 406,000 | $ 135,000 | $ 44,000 |
| Fairfax County Virginia | 3 | $ 1,018,000 | $ 339,000 | $ 720,000 |
| Hampton County Virginia | 3 | $ 303,000 | $ 101,000 | $ 0 |
| Broward County Florida | 2 | $ 285,000 | $ 142,000 | $ 25,000 |
| Duval County Florida | 2 | $ 191,000 | $ 95,000 | $ 0 |
| Lee County Florida | 2 | $ 185,000 | $ 92,000 | $ 18,000 |
| Miami-Dade County Florida | 2 | $ 379,000 | $ 189,000 | $ 23,000 |
| Polk County Florida | 2 | $ 141,000 | $ 70,000 | $ 52,000 |
| Hamilton County Indiana | 2 | $ 361,000 | $ 180,000 | $ 0 |
| Hancock County Indiana | 2 | $ 216,000 | $ 108,000 | $ 50,000 |
| Morgan County Indiana | 2 | $ 346,000 | $ 173,000 | $ 0 |
| Frederick County Maryland | 2 | $ 192,000 | $ 96,000 | $ 0 |
| Harford County Maryland | 2 | $ 194,000 | $ 97,000 | $ 0 |
| Oakland County Michigan | 2 | $ 978,000 | $ 489,000 | $ 227,000 |
| Burlington County New Jersey | 2 | $ 517,000 | $ 258,000 | $ 131,000 |
| Camden County New Jersey | 2 | $ 644,000 | $ 322,000 | $ 88,000 |
| Cumberland County New Jersey | 2 | $ 224,000 | $ 112,000 | $ 0 |
| Mercer County New Jersey | 2 | $ 319,000 | $ 159,000 | $ 0 |
| Albany County New York | 2 | $ 175,000 | $ 87,000 | $ 0 |
| Erie County New York | 2 | $ 171,000 | $ 85,000 | $ 48,000 |
| Genesee County New York | 2 | $ 218,000 | $ 109,000 | $ 59,000 |
| Herkimer County New York | 2 | $ 94,000 | $ 47,000 | $ 0 |
| New York County New York | 2 | $ 763,000 | $ 381,000 | $ 150,000 |
| Rensselaer County New York | 2 | $ 208,000 | $ 104,000 | $ 0 |
| Schenectady County New York | 2 | $ 225,000 | $ 112,000 | $ 26,000 |
| Craven County North Carolina | 2 | $ 200,000 | $ 100,000 | $ 0 |
| Forsyth County North Carolina | 2 | $ 216,000 | $ 108,000 | $ 56,000 |
| Stokes County North Carolina | 2 | $ 191,000 | $ 95,000 | $ 65,000 |
| Surry County North Carolina | 2 | $ 189,000 | $ 94,000 | $ 27,000 |
| Lehigh County Pennsylvania | 2 | $ 155,000 | $ 77,000 | $ 0 |
| Lexington County South Carolina | 2 | $ 239,000 | $ 119,000 | $ 47,000 |
| Collin County Texas | 2 | $ 327,000 | $ 163,000 | $ 0 |
| Norfolk County Virginia | 2 | $ 181,000 | $ 90,000 | $ 0 |
| Brevard County Florida | 1 | $ 85,000 | $ 85,000 | $ 31,000 |
| Escambia County Florida | 1 | $ 81,000 | $ 81,000 | $ 0 |
| Hernando County Florida | 1 | $ 102,000 | $ 102,000 | $ 37,000 |
| Lake County Florida | 1 | $ 203,000 | $ 203,000 | $ 50,000 |
| Marion County Florida | 1 | $ 175,000 | $ 175,000 | $ 80,000 |
| St. Lucie County Florida | 1 | $ 128,000 | $ 128,000 | $ 119,000 |
| DeKalb County Georgia | 1 | $ 133,000 | $ 133,000 | $ 45,000 |
| Fayette County Georgia | 1 | $ 290,000 | $ 290,000 | $ 139,000 |
| Gwinnett County Georgia | 1 | $ 125,000 | $ 125,000 | $ 79,000 |
| Will County Illinois | 1 | $ 73,000 | $ 73,000 | $ 39,000 |
| Hendricks County Indiana | 1 | $ 173,000 | $ 173,000 | $ 0 |
| Madison County Indiana | 1 | $ 173,000 | $ 173,000 | $ 0 |
| Lafayette County Louisiana | 1 | $ 124,000 | $ 124,000 | $ 91,000 |
| Livingston County Louisiana | 1 | $ 129,000 | $ 129,000 | $ 71,000 |
| Rapides County Louisiana | 1 | $ 84,000 | $ 84,000 | $ 28,000 |
| St. John the Baptist County Louisiana | 1 | $ 104,000 | $ 104,000 | $ 35,000 |
| Baltimore City County Maryland | 1 | $ 150,000 | $ 150,000 | $ 37,000 |
| Howard County Maryland | 1 | $ 280,000 | $ 280,000 | $ 67,000 |
| Monroe County Michigan | 1 | $ 186,000 | $ 186,000 | $ 0 |
| Hancock County Mississippi | 1 | $ 115,000 | $ 115,000 | $ 35,000 |
| Rankin County Mississippi | 1 | $ 117,000 | $ 117,000 | $ 40,000 |
| Warren County Mississippi | 1 | $ 108,000 | $ 108,000 | $ 38,000 |
| Pike County Missouri | 1 | $ 116,000 | $ 116,000 | $ 56,000 |
| Hillsborough County New Hampshire | 1 | $ 252,000 | $ 252,000 | $ 144,000 |
| Hunterdon County New Jersey | 1 | $ 106,000 | $ 106,000 | $ 49,000 |
| Morris County New Jersey | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Los Alamos County New Mexico | 1 | $ 72,000 | $ 72,000 | $ 220,000 |
| Chenango County New York | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Cortland County New York | 1 | $ 65,000 | $ 65,000 | $ 24,000 |
| Delaware County New York | 1 | $ 75,000 | $ 75,000 | $ 87,000 |
| Sullivan County New York | 1 | $ 176,000 | $ 176,000 | $ 0 |
| Wyoming County New York | 1 | $ 139,000 | $ 139,000 | $ 73,000 |
| Columbus County North Carolina | 1 | $ 63,000 | $ 63,000 | $ 30,000 |
| Franklin County North Carolina | 1 | $ 119,000 | $ 119,000 | $ 48,000 |
| Gates County North Carolina | 1 | $ 101,000 | $ 101,000 | $ 29,000 |
| Granville County North Carolina | 1 | $ 109,000 | $ 109,000 | $ 27,000 |
| Hertford County North Carolina | 1 | $ 94,000 | $ 94,000 | $ 24,000 |
| Hyde County North Carolina | 1 | $ 73,000 | $ 73,000 | $ 25,000 |
| Jones County North Carolina | 1 | $ 109,000 | $ 109,000 | $ 0 |
| Onslow County North Carolina | 1 | $ 80,000 | $ 80,000 | $ 27,000 |
| Orange County North Carolina | 1 | $ 162,000 | $ 162,000 | $ 67,000 |
| Randolph County North Carolina | 1 | $ 129,000 | $ 129,000 | $ 43,000 |
| Richmond County North Carolina | 1 | $ 114,000 | $ 114,000 | $ 33,000 |
| Rutherford County North Carolina | 1 | $ 84,000 | $ 84,000 | $ 20,000 |
| Stanly County North Carolina | 1 | $ 102,000 | $ 102,000 | $ 34,000 |
| Wayne County North Carolina | 1 | $ 97,000 | $ 97,000 | $ 0 |
| Allegheny County Pennsylvania | 1 | $ 112,000 | $ 112,000 | $ 63,000 |
| Bradford County Pennsylvania | 1 | $ 67,000 | $ 67,000 | $ 34,000 |
| Chester County Pennsylvania | 1 | $ 87,000 | $ 87,000 | $ 47,000 |
| Philadelphia County Pennsylvania | 1 | $ 57,000 | $ 57,000 | $ 60,000 |
| Potter County Pennsylvania | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Susquehanna County Pennsylvania | 1 | $ 94,000 | $ 94,000 | $ 0 |
| Lancaster County South Carolina | 1 | $ 128,000 | $ 128,000 | $ 0 |
| Lee County South Carolina | 1 | $ 70,000 | $ 70,000 | $ 34,000 |
| Marlboro County South Carolina | 1 | $ 52,000 | $ 52,000 | $ 38,000 |
| Davidson County Tennessee | 1 | $ 167,000 | $ 167,000 | $ 110,000 |
| Shelby County Tennessee | 1 | $ 79,000 | $ 79,000 | $ 0 |
| Harris County Texas | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Tarrant County Texas | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Chesterfield County Virginia | 1 | $ 196,000 | $ 196,000 | $ 75,000 |
| Loudoun County Virginia | 1 | $ 153,000 | $ 153,000 | $ 0 |
| Manassas County Virginia | 1 | $ 261,000 | $ 261,000 | $ 84,000 |
| Spotsylvania County Virginia | 1 | $ 171,000 | $ 171,000 | $ 58,000 |
| Mineral County West Virginia | 1 | $ 108,000 | $ 108,000 | $ 61,000 |
| Randolph County West Virginia | 1 | $ 113,000 | $ 113,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for Home Consultants 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 742 | $119,015,000 | $150,000 | $639,000 | $54,600 | $625,000 |
| Refinancing | 525 | $81,289,000 | $152,045 | $1,029,000 | $52,136 | $1,080,000 |
| Home Improvement | 1 | $271,000 | $271,000 | $271,000 | $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 | 675 | $98,895,000 | $144,869 | $1,029,000 | $54,739 | $420,000 |
| Black or African American | 240 | $45,048,000 | $143,647 | $580,000 | $48,764 | $294,000 |
| Not Provided | 160 | $20,434,000 | $154,000 | $540,000 | $56,400 | $1,080,000 |
| Hispanic | 103 | $19,370,000 | $154,916 | $440,000 | $73,833 | $1,080,000 |
| Not applicable | 48 | $7,135,000 | $121,444 | $910,000 | $9,555 | $187,000 |
| Asian | 20 | $4,391,000 | $142,166 | $650,000 | $34,666 | $300,000 |
| Native Hawaiian or Other Pacific Islander | 15 | $3,612,000 | $163,250 | $394,000 | $37,000 | $144,000 |
| American Indian or Alaskan Native | 7 | $1,690,000 | $292,666 | $540,000 | $225,000 | $625,000 |
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) | 584 | $105,507,000 | $150,708 | $1,029,000 | $67,416 | $1,080,000 |
| FHA-insured (Federal Housing Administration) | 551 | $79,159,000 | $132,937 | $452,000 | $42,187 | $278,000 |
| VA-guaranteed (Veterans Administration) | 133 | $15,909,000 | $129,222 | $257,000 | $4,333 | $93,000 |
| 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 | 1,093 | $167,712,000 | $142,541 | $1,029,000 | $61,333 | $1,080,000 |
| Application Denied By Financial Institution | 125 | $22,265,000 | $131,769 | $460,000 | $10,692 | $104,000 |
| Application Withdrawn By Applicant | 45 | $9,545,000 | $166,666 | $572,000 | $20,666 | $412,000 |
| Application Approved But Not Accepted | 5 | $1,053,000 | $162,333 | $300,000 | $47,333 | $122,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial 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 |
|---|---|---|---|---|---|---|
| Credit History | 3 | $719,000 | $237,000 | $294,000 | $52,000 | $104,000 |
| Debt-To-Income Ratio | 2 | $463,000 | $231,000 | $373,000 | $50,000 | $64,000 |
| Employment History | 1 | $107,000 | $107,000 | $107,000 | $100,000 | $100,000 |
| Other | 1 | $217,000 | $217,000 | $217,000 | $88,000 | $88,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Home Consultants'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 Home Consultants'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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