Home Consultants Mortgage Lending & HMDA Data, 2004
In 2004, Home Consultants of Lake Ariel, PA reported 1,268 mortgage applications totaling $200.6 million, down 26% from 2003. The average application was for $158,182, and applicants reported an average income of $43,316. 86% of its applications resulted in an originated loan and 10% were denied. Its largest markets were New York-Wayne-White Plains, NY-NJ (191), Scranton--Wilkes-Barre, PA (97) and Edison, NJ (66) (applications in parentheses).
| 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 | $158,182 |
| Highest Mortgage Loan Application Amount | $1,029,000 |
| Average Applicant Income | $43,316 |
| Highest Applicant Income | $1,080,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Home Consultants filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| New York-Wayne-White Plains, NY-NJ | 191 | $ 51,158,000 | $ 267,842 | $ 54,000 |
| Scranton--Wilkes-Barre, PA | 97 | $ 9,553,000 | $ 98,484 | $ 36,000 |
| Edison, NJ | 66 | $ 14,360,000 | $ 217,575 | $ 59,000 |
| Syracuse, NY | 41 | $ 3,215,000 | $ 78,414 | $ 19,000 |
| Nassau-Suffolk, NY | 39 | $ 10,363,000 | $ 265,717 | $ 52,000 |
| Newark-Union, NJ-PA | 35 | $ 6,150,000 | $ 175,714 | $ 52,000 |
| Charlotte-Gastonia-Concord, NC-SC | 31 | $ 3,799,000 | $ 122,548 | $ 28,000 |
| Tampa-St. Petersburg-Clearwater, FL | 29 | $ 3,167,000 | $ 109,206 | $ 45,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 25 | $ 2,667,000 | $ 106,680 | $ 0 |
| Indianapolis, IN | 24 | $ 3,707,000 | $ 154,458 | $ 12,000 |
| Utica-Rome, NY | 23 | $ 1,599,000 | $ 69,521 | $ 1,000 |
| Wilmington, NC | 22 | $ 2,055,000 | $ 93,409 | $ 35,000 |
| Sarasota-Bradenton-Venice, FL | 18 | $ 2,573,000 | $ 142,944 | $ 80,000 |
| Baltimore-Towson, MD | 15 | $ 2,078,000 | $ 138,533 | $ 9,000 |
| Hickory-Lenoir-Morganton, NC | 13 | $ 1,304,000 | $ 100,307 | $ 28,000 |
| Chicago-Naperville-Joliet, IL | 11 | $ 1,544,000 | $ 140,363 | $ 30,000 |
| Detroit-Livonia-Dearborn, MI | 10 | $ 974,000 | $ 97,400 | $ 9,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 10 | $ 1,856,000 | $ 185,600 | $ 42,000 |
| Albany-Schenectady-Troy, NY | 9 | $ 1,041,000 | $ 115,666 | $ 28,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 9 | $ 1,670,000 | $ 185,555 | $ 38,000 |
| Bethesda-Frederick-Gaithersburg, MD | 7 | $ 1,096,000 | $ 156,571 | $ 43,000 |
| Jackson, MS | 7 | $ 377,000 | $ 53,857 | $ 53,000 |
| Binghamton, NY | 5 | $ 329,000 | $ 65,800 | $ 37,000 |
| Rochester, NY | 5 | $ 436,000 | $ 87,200 | $ 29,000 |
| Warren-Farmington Hills-Troy, MI | 5 | $ 1,249,000 | $ 249,800 | $ 108,000 |
| Camden, NJ | 4 | $ 1,161,000 | $ 290,250 | $ 110,000 |
| San Antonio, TX | 4 | $ 437,000 | $ 109,250 | $ 0 |
| Winston-Salem, NC | 4 | $ 407,000 | $ 101,750 | $ 60,000 |
| Atlanta-Sandy Springs-Marietta, GA | 3 | $ 548,000 | $ 182,666 | $ 87,000 |
| Bridgeport-Stamford-Norwalk, CT | 3 | $ 990,000 | $ 330,000 | $ 163,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 3 | $ 531,000 | $ 177,000 | $ 44,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 155,000 | $ 77,500 | $ 0 |
| Buffalo-Niagara Falls, NY | 2 | $ 171,000 | $ 85,500 | $ 48,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 185,000 | $ 92,500 | $ 18,000 |
| Columbia, SC | 2 | $ 239,000 | $ 119,500 | $ 47,000 |
| Dallas-Plano-Irving, TX | 2 | $ 327,000 | $ 163,500 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 285,000 | $ 142,500 | $ 25,000 |
| Jacksonville, FL | 2 | $ 191,000 | $ 95,500 | $ 0 |
| Lakeland, FL | 2 | $ 141,000 | $ 70,500 | $ 52,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 379,000 | $ 189,500 | $ 23,000 |
| Philadelphia, PA | 2 | $ 144,000 | $ 72,000 | $ 53,000 |
| Trenton-Ewing, NJ | 2 | $ 319,000 | $ 159,500 | $ 0 |
| Vineland-Millville-Bridgeton, NJ | 2 | $ 224,000 | $ 112,000 | $ 0 |
| Alexandria, LA | 1 | $ 84,000 | $ 84,000 | $ 28,000 |
| Anderson, IN | 1 | $ 173,000 | $ 173,000 | $ 0 |
| Baton Rouge, LA | 1 | $ 129,000 | $ 129,000 | $ 71,000 |
| Durham, NC | 1 | $ 162,000 | $ 162,000 | $ 67,000 |
| Fort Worth-Arlington, TX | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Goldsboro, NC | 1 | $ 97,000 | $ 97,000 | $ 0 |
| Greensboro-High Point, NC | 1 | $ 129,000 | $ 129,000 | $ 43,000 |
| Gulfport-Biloxi, MS | 1 | $ 115,000 | $ 115,000 | $ 35,000 |
| Houston-Baytown-Sugar Land, TX | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Jacksonville, NC | 1 | $ 80,000 | $ 80,000 | $ 27,000 |
| Lafayette, LA | 1 | $ 124,000 | $ 124,000 | $ 91,000 |
| Manchester-Nashua, NH | 1 | $ 252,000 | $ 252,000 | $ 144,000 |
| Memphis, TN-MS-AR | 1 | $ 79,000 | $ 79,000 | $ 0 |
| Monroe, MI | 1 | $ 186,000 | $ 186,000 | $ 0 |
| Nashville-Davidson--Murfreesboro, TN | 1 | $ 167,000 | $ 167,000 | $ 110,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 104,000 | $ 104,000 | $ 35,000 |
| Ocala, FL | 1 | $ 175,000 | $ 175,000 | $ 80,000 |
| Orlando, FL | 1 | $ 203,000 | $ 203,000 | $ 50,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 85,000 | $ 85,000 | $ 31,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 81,000 | $ 81,000 | $ 0 |
| Pittsburgh, PA | 1 | $ 112,000 | $ 112,000 | $ 63,000 |
| Port St. Lucie-Fort Pierce, FL | 1 | $ 128,000 | $ 128,000 | $ 119,000 |
| Raleigh-Cary, NC | 1 | $ 119,000 | $ 119,000 | $ 48,000 |
| Richmond, VA | 1 | $ 196,000 | $ 196,000 | $ 75,000 |
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.
For a list of all lenders in Pennsylvania, download the full spreadsheet
with aggregated HMDA statistics today.
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