Home Equity Of America
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Home Equity Of America 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 Equity Of America 5001 Kingsley Drive Md 1Mob2W Cincinnati, OH 45227 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,210 |
| Total Mortgage Loan Application Amount | $209,910,000 |
| Average Mortgage Loan Application Amount | $78,269 |
| Highest Mortgage Loan Application Amount | $442,000 |
| Average Applicant Income | $65,492 |
| Highest Applicant Income | $432,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Home Equity Of America. 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 Equity Of America's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Home Equity Of America'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 Equity Of America serves its applicants.
Each category highlights the total number of mortgage applications processed by Home Equity Of America, 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 Equity Of America's mortgage activity for 2004.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| CINCINNATI-MIDDLETOWN, OH-KY-IN | 140 | $ 15,029,000 | $ 107,000 | $ 57,000 |
| INDIANAPOLIS, IN | 95 | $ 8,888,000 | $ 93,000 | $ 54,000 |
| PITTSBURGH, PA | 92 | $ 7,525,000 | $ 81,000 | $ 58,000 |
| CHICAGO-NAPERVILLE-JOLIET, IL | 88 | $ 8,173,000 | $ 92,000 | $ 86,000 |
| COLUMBUS, OH | 61 | $ 6,444,000 | $ 105,000 | $ 70,000 |
| GARY, IN | 60 | $ 4,359,000 | $ 72,000 | $ 57,000 |
| CLEVELAND-ELYRIA-MENTOR, OH | 52 | $ 4,816,000 | $ 92,000 | $ 50,000 |
| PHOENIX-MESA-SCOTTSDALE, AZ | 52 | $ 6,177,000 | $ 118,000 | $ 77,000 |
| ST. LOUIS, MO-IL | 46 | $ 5,556,000 | $ 120,000 | $ 68,000 |
| DAYTON, OH | 45 | $ 4,767,000 | $ 105,000 | $ 59,000 |
| BLOOMINGTON, IN | 41 | $ 3,644,000 | $ 88,000 | $ 47,000 |
| GRAND RAPIDS-WYOMING, MI | 31 | $ 3,255,000 | $ 105,000 | $ 54,000 |
| KALAMAZOO-PORTAGE, MI | 30 | $ 3,018,000 | $ 100,000 | $ 83,000 |
| LOUISVILLE, KY-IN | 26 | $ 3,062,000 | $ 117,000 | $ 54,000 |
| ATLANTA-SANDY SPRINGS-MARIETTA, GA | 24 | $ 2,442,000 | $ 101,000 | $ 66,000 |
| BATTLE CREEK, MI | 24 | $ 1,765,000 | $ 73,000 | $ 57,000 |
| KANSAS CITY, MO-KS | 24 | $ 1,749,000 | $ 72,000 | $ 67,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 22 | $ 2,010,000 | $ 91,000 | $ 53,000 |
| EVANSVILLE, IN-KY | 21 | $ 1,640,000 | $ 78,000 | $ 49,000 |
| NILES-BENTON HARBOR, MI | 20 | $ 2,552,000 | $ 127,000 | $ 69,000 |
| AKRON, OH | 19 | $ 1,304,000 | $ 68,000 | $ 45,000 |
| MICHIGAN CITY-LA PORTE, IN | 18 | $ 1,387,000 | $ 77,000 | $ 51,000 |
| ORLANDO, FL | 18 | $ 1,537,000 | $ 85,000 | $ 59,000 |
| ELKHART-GOSHEN, IN | 17 | $ 1,693,000 | $ 99,000 | $ 62,000 |
| LAFAYETTE, IN | 17 | $ 1,727,000 | $ 101,000 | $ 46,000 |
| TOLEDO, OH | 17 | $ 1,366,000 | $ 80,000 | $ 54,000 |
| FORT WAYNE, IN | 15 | $ 1,799,000 | $ 119,000 | $ 49,000 |
| SOUTH BEND-MISHAWAKA, IN-MI | 15 | $ 1,409,000 | $ 93,000 | $ 58,000 |
| CANTON-MASSILLON, OH | 14 | $ 1,300,000 | $ 92,000 | $ 47,000 |
| LEXINGTON-FAYETTE, KY | 14 | $ 1,950,000 | $ 139,000 | $ 73,000 |
| MILWAUKEE-WAUKESHA-WEST ALLIS, WI | 14 | $ 1,275,000 | $ 91,000 | $ 57,000 |
| PHILADELPHIA, PA | 14 | $ 1,199,000 | $ 85,000 | $ 66,000 |
| WARREN-FARMINGTON HILLS-TROY, MI | 14 | $ 1,270,000 | $ 90,000 | $ 58,000 |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA | 14 | $ 1,016,000 | $ 72,000 | $ 41,000 |
| DENVER-AURORA, CO | 13 | $ 1,670,000 | $ 128,000 | $ 76,000 |
| TERRE HAUTE, IN | 12 | $ 1,392,000 | $ 116,000 | $ 52,000 |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 11 | $ 1,343,000 | $ 122,000 | $ 72,000 |
| SPRINGFIELD, OH | 11 | $ 970,000 | $ 88,000 | $ 41,000 |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ | 9 | $ 802,000 | $ 89,000 | $ 58,000 |
| ANDERSON, IN | 9 | $ 805,000 | $ 89,000 | $ 40,000 |
| GREEN BAY, WI | 9 | $ 686,000 | $ 76,000 | $ 56,000 |
| JACKSON, MI | 9 | $ 535,000 | $ 59,000 | $ 50,000 |
| LAKE COUNTY-KENOSHA COUNTY, IL-WI | 8 | $ 865,000 | $ 108,000 | $ 64,000 |
| ELIZABETHTOWN, KY | 7 | $ 889,000 | $ 127,000 | $ 72,000 |
| HARRISBURG-CARLISLE, PA | 7 | $ 562,000 | $ 80,000 | $ 59,000 |
| HOLLAND-GRAND HAVEN, MI | 7 | $ 745,000 | $ 106,000 | $ 43,000 |
| LIMA, OH | 7 | $ 535,000 | $ 76,000 | $ 51,000 |
| CHARLESTON, WV | 6 | $ 559,000 | $ 93,000 | $ 51,000 |
| COLUMBUS, IN | 6 | $ 395,000 | $ 65,000 | $ 110,000 |
| KOKOMO, IN | 6 | $ 637,000 | $ 106,000 | $ 67,000 |
| LANCASTER, PA | 6 | $ 694,000 | $ 115,000 | $ 68,000 |
| SPRINGFIELD, MO | 6 | $ 358,000 | $ 59,000 | $ 42,000 |
| APPLETON, WI | 5 | $ 744,000 | $ 148,000 | $ 59,000 |
| CHARLESTON-NORTH CHARLESTON, SC | 5 | $ 902,000 | $ 180,000 | $ 77,000 |
| COLUMBIA, SC | 5 | $ 719,000 | $ 143,000 | $ 96,000 |
| MADISON, WI | 5 | $ 494,000 | $ 98,000 | $ 71,000 |
| OSHKOSH-NEENAH, WI | 5 | $ 291,000 | $ 58,000 | $ 59,000 |
| WAUSAU, WI | 5 | $ 346,000 | $ 69,000 | $ 59,000 |
| BLOOMINGTON-NORMAL, IL | 4 | $ 250,000 | $ 62,000 | $ 45,000 |
| CHAMPAIGN-URBANA, IL | 4 | $ 289,000 | $ 72,000 | $ 55,000 |
| CHARLOTTE-GASTONIA-CONCORD, NC-SC | 4 | $ 296,000 | $ 74,000 | $ 94,000 |
| COLUMBIA, MO | 4 | $ 653,000 | $ 163,000 | $ 79,000 |
| DETROIT-LIVONIA-DEARBORN, MI | 4 | $ 440,000 | $ 110,000 | $ 82,000 |
| ERIE, PA | 4 | $ 312,000 | $ 78,000 | $ 54,000 |
| FORT COLLINS-LOVELAND, CO | 4 | $ 390,000 | $ 97,000 | $ 56,000 |
| HUNTINGTON-ASHLAND, WV-KY-OH | 4 | $ 396,000 | $ 99,000 | $ 55,000 |
| LAKELAND, FL | 4 | $ 295,000 | $ 73,000 | $ 86,000 |
| MUSKEGON-NORTON SHORES, MI | 4 | $ 361,000 | $ 90,000 | $ 35,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO, TN | 4 | $ 443,000 | $ 110,000 | $ 49,000 |
| PEORIA, IL | 4 | $ 127,000 | $ 31,000 | $ 52,000 |
| PRESCOTT, AZ | 4 | $ 640,000 | $ 160,000 | $ 82,000 |
| SCRANTON--WILKES-BARRE, PA | 4 | $ 485,000 | $ 121,000 | $ 79,000 |
| TOPEKA, KS | 4 | $ 402,000 | $ 100,000 | $ 86,000 |
| WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL | 4 | $ 458,000 | $ 114,000 | $ 98,000 |
| CHATTANOOGA, TN-GA | 3 | $ 307,000 | $ 102,000 | $ 59,000 |
| DANVILLE, IL | 3 | $ 315,000 | $ 105,000 | $ 73,000 |
| JOHNSTOWN, PA | 3 | $ 215,000 | $ 71,000 | $ 41,000 |
| LANSING-EAST LANSING, MI | 3 | $ 166,000 | $ 55,000 | $ 76,000 |
| LAWRENCE, KS | 3 | $ 407,000 | $ 135,000 | $ 76,000 |
| MANSFIELD, OH | 3 | $ 189,000 | $ 63,000 | $ 46,000 |
| MUNCIE, IN | 3 | $ 388,000 | $ 129,000 | $ 85,000 |
| ROCHESTER, MN | 3 | $ 320,000 | $ 106,000 | $ 62,000 |
| ROCKFORD, IL | 3 | $ 91,000 | $ 30,000 | $ 53,000 |
| SARASOTA-BRADENTON-VENICE, FL | 3 | $ 143,000 | $ 47,000 | $ 61,000 |
| WICHITA, KS | 3 | $ 157,000 | $ 52,000 | $ 41,000 |
| WILLIAMSPORT, PA | 3 | $ 172,000 | $ 57,000 | $ 33,000 |
| YORK-HANOVER, PA | 3 | $ 197,000 | $ 65,000 | $ 58,000 |
| BALTIMORE-TOWSON, MD | 2 | $ 231,000 | $ 115,000 | $ 41,000 |
| BAY CITY, MI | 2 | $ 176,000 | $ 88,000 | $ 41,000 |
| CAPE CORAL-FORT MYERS, FL | 2 | $ 360,000 | $ 180,000 | $ 80,000 |
| COLUMBUS, GA-AL | 2 | $ 116,000 | $ 58,000 | $ 22,000 |
| DULUTH, MN-WI | 2 | $ 226,000 | $ 113,000 | $ 50,000 |
| FAYETTEVILLE, NC | 2 | $ 58,000 | $ 29,000 | $ 55,000 |
| FOND DU LAC, WI | 2 | $ 292,000 | $ 146,000 | $ 42,000 |
| FORT WALTON BEACH-CRESTVIEW-DESTIN, FL | 2 | $ 132,000 | $ 66,000 | $ 41,000 |
| JACKSONVILLE, FL | 2 | $ 200,000 | $ 100,000 | $ 94,000 |
| JANESVILLE, WI | 2 | $ 188,000 | $ 94,000 | $ 63,000 |
| MORGANTOWN, WV | 2 | $ 229,000 | $ 114,000 | $ 56,000 |
| PORT ST. LUCIE-FORT PIERCE, FL | 2 | $ 161,000 | $ 80,000 | $ 38,000 |
| RACINE, WI | 2 | $ 153,000 | $ 76,000 | $ 64,000 |
| READING, PA | 2 | $ 185,000 | $ 92,000 | $ 91,000 |
| STATE COLLEGE, PA | 2 | $ 181,000 | $ 90,000 | $ 49,000 |
| WHEELING, WV-OH | 2 | $ 132,000 | $ 66,000 | $ 52,000 |
| ALTOONA, PA | 1 | $ 84,000 | $ 84,000 | $ 60,000 |
| ANDERSON, SC | 1 | $ 116,000 | $ 116,000 | $ 44,000 |
| BOWLING GREEN, KY | 1 | $ 78,000 | $ 78,000 | $ 39,000 |
| CAMBRIDGE-NEWTON-FRAMINGHAM, MA | 1 | $ 32,000 | $ 32,000 | $ 90,000 |
| CLARKSVILLE, TN-KY | 1 | $ 125,000 | $ 125,000 | $ 73,000 |
| COLORADO SPRINGS, CO | 1 | $ 345,000 | $ 345,000 | $ 106,000 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 1 | $ 40,000 | $ 40,000 | $ 41,000 |
| EAU CLAIRE, WI | 1 | $ 30,000 | $ 30,000 | $ 42,000 |
| FLINT, MI | 1 | $ 34,000 | $ 34,000 | $ 62,000 |
| GREENSBORO-HIGH POINT, NC | 1 | $ 37,000 | $ 37,000 | $ 67,000 |
| JOHNSON CITY, TN | 1 | $ 49,000 | $ 49,000 | $ 30,000 |
| KANKAKEE-BRADLEY, IL | 1 | $ 94,000 | $ 94,000 | $ 56,000 |
| KNOXVILLE, TN | 1 | $ 94,000 | $ 94,000 | $ 52,000 |
| LA CROSSE, WI-MN | 1 | $ 40,000 | $ 40,000 | $ 54,000 |
| LAS VEGAS-PARADISE, NV | 1 | $ 109,000 | $ 109,000 | $ 108,000 |
| LEBANON, PA | 1 | $ 25,000 | $ 25,000 | $ 74,000 |
| LITTLE ROCK-NORTH LITTLE ROCK, AR | 1 | $ 117,000 | $ 117,000 | $ 87,000 |
| MEMPHIS, TN-MS-AR | 1 | $ 150,000 | $ 150,000 | $ 111,000 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 1 | $ 50,000 | $ 50,000 | $ 27,000 |
| MONROE, MI | 1 | $ 16,000 | $ 16,000 | $ 33,000 |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC | 1 | $ 144,000 | $ 144,000 | $ 34,000 |
| NAPLES-MARCO ISLAND, FL | 1 | $ 165,000 | $ 165,000 | $ 69,000 |
| RALEIGH-CARY, NC | 1 | $ 25,000 | $ 25,000 | $ 45,000 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 1 | $ 64,000 | $ 64,000 | $ 66,000 |
| ROCKY MOUNT, NC | 1 | $ 24,000 | $ 24,000 | $ 67,000 |
| SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA | 1 | $ 39,000 | $ 39,000 | $ 90,000 |
| SAGINAW-SAGINAW TOWNSHIP NORTH, MI | 1 | $ 105,000 | $ 105,000 | $ 72,000 |
| SANDUSKY, OH | 1 | $ 25,000 | $ 25,000 | $ 131,000 |
| SAVANNAH, GA | 1 | $ 25,000 | $ 25,000 | $ 74,000 |
| ST. JOSEPH, MO-KS | 1 | $ 40,000 | $ 40,000 | $ 111,000 |
| SUMTER, SC | 1 | $ 43,000 | $ 43,000 | $ 35,000 |
| TALLAHASSEE, FL | 1 | $ 76,000 | $ 76,000 | $ 80,000 |
| TUCSON, AZ | 1 | $ 74,000 | $ 74,000 | $ 54,000 |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 1 | $ 38,000 | $ 38,000 | $ 49,000 |
| YUMA, AZ | 1 | $ 70,000 | $ 70,000 | $ 41,000 |
Mortgage Loan Application Detail Totals for Home Equity Of America 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 | 1,719 | $180,403,000 | $100,320 | $442,000 | $62,560 | $400,000 |
| Home Improvement | 272 | $20,007,000 | $78,315 | $350,000 | $71,842 | $432,000 |
| Home Purchase | 219 | $9,500,000 | $49,210 | $394,000 | $63,000 | $349,000 |
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 | 1,705 | $162,568,000 | $89,958 | $435,000 | $64,875 | $432,000 |
| Not Provided | 343 | $32,959,000 | $93,304 | $442,000 | $66,304 | $230,000 |
| Black or African American | 90 | $8,077,000 | $105,800 | $280,000 | $58,866 | $179,000 |
| Hispanic | 52 | $4,110,000 | $77,111 | $330,000 | $55,222 | $312,000 |
| Asian | 12 | $1,104,000 | $89,857 | $143,000 | $54,000 | $87,000 |
| American Indian or Alaskan Native | 7 | $968,000 | $121,200 | $245,000 | $54,400 | $85,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $124,000 | $124,000 | $124,000 | $42,000 | $42,000 |
| 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) | 2,210 | $209,910,000 | $89,037 | $442,000 | $67,259 | $432,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 1,323 | $127,827,000 | $90,444 | $442,000 | $68,629 | $432,000 |
| Loan Originated | 852 | $78,464,000 | $94,789 | $435,000 | $61,526 | $349,000 |
| Application Approved But Not Accepted | 35 | $3,619,000 | $108,727 | $280,000 | $60,636 | $121,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 Application Incomplete | 435 | $41,694,000 | $91,647 | $350,000 | $59,705 | $432,000 |
| Credit History | 328 | $29,047,000 | $89,571 | $432,000 | $63,571 | $310,000 |
| Debt-To-Income Ratio | 244 | $23,730,000 | $101,117 | $280,000 | $55,117 | $312,000 |
| Other | 212 | $23,821,000 | $102,416 | $394,000 | $67,333 | $400,000 |
| Collateral | 81 | $7,868,000 | $105,470 | $442,000 | $66,941 | $204,000 |
| Employment History | 20 | $1,362,000 | $61,000 | $147,000 | $44,444 | $108,000 |
| Unverifiable Information | 3 | $305,000 | $101,666 | $168,000 | $58,000 | $60,000 |
| 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 Equity Of America'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 Equity Of America'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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