Home Equity of America Mortgage Lending & HMDA Data, 2006
In 2006, Home Equity of America of Cincinnati, OH reported 3,424 mortgage applications totaling $258.8 million, up 93% from 2005. The average application was for $75,572, and applicants reported an average income of $93,089. 40% of its applications resulted in an originated loan and 57% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (259), Minneapolis-St. Paul-Bloomington, MN-WI (198) and Denver-Aurora, CO (166) (applications in parentheses).
| 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 | 3,424 |
| Total Mortgage Loan Application Amount | $258,759,000 |
| Average Mortgage Loan Application Amount | $75,572 |
| Highest Mortgage Loan Application Amount | $1,540,000 |
| Average Applicant Income | $93,089 |
| Highest Applicant Income | $1,662,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Home Equity of America filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Chicago-Naperville-Joliet, IL | 259 | $ 18,235,000 | $ 70,405 | $ 115,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 198 | $ 14,372,000 | $ 72,585 | $ 105,787 |
| Denver-Aurora, CO | 166 | $ 10,955,000 | $ 65,993 | $ 107,000 |
| Cincinnati-Middletown, OH-KY-IN | 132 | $ 7,835,000 | $ 59,356 | $ 73,878 |
| Phoenix-Mesa-Scottsdale, AZ | 129 | $ 11,751,000 | $ 91,093 | $ 129,000 |
| Atlanta-Sandy Springs-Marietta, GA | 101 | $ 7,693,000 | $ 76,168 | $ 96,000 |
| Warren-Troy-Farmington Hills, MI | 95 | $ 6,567,000 | $ 69,126 | $ 124,000 |
| Pittsburgh, PA | 86 | $ 4,184,000 | $ 48,651 | $ 77,000 |
| Milwaukee-Waukesha-West Allis, WI | 82 | $ 5,025,000 | $ 61,280 | $ 96,000 |
| Kansas City, MO-KS | 66 | $ 4,412,000 | $ 66,848 | $ 86,454 |
| Indianapolis-Carmel, IN | 65 | $ 6,452,000 | $ 99,261 | $ 90,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 64 | $ 7,751,000 | $ 121,109 | $ 138,500 |
| Las Vegas-Paradise, NV | 63 | $ 5,484,000 | $ 87,047 | $ 119,000 |
| Gary, IN | 57 | $ 3,824,000 | $ 67,087 | $ 62,000 |
| Columbus, OH | 54 | $ 4,494,000 | $ 83,222 | $ 86,000 |
| St. Louis, MO-IL | 54 | $ 4,072,000 | $ 75,407 | $ 73,074 |
| Detroit-Livonia-Dearborn, MI | 37 | $ 2,227,000 | $ 60,189 | $ 88,000 |
| Baltimore-Towson, MD | 36 | $ 2,950,000 | $ 81,944 | $ 116,000 |
| Cleveland-Elyria-Mentor, OH | 36 | $ 2,049,000 | $ 56,916 | $ 93,000 |
| Charlotte-Gastonia-Concord, NC-SC | 34 | $ 1,889,000 | $ 55,558 | $ 87,705 |
| Madison, WI | 32 | $ 1,896,000 | $ 59,250 | $ 68,000 |
| Orlando-Kissimmee, FL | 29 | $ 2,311,000 | $ 79,689 | $ 117,000 |
| Green Bay, WI | 28 | $ 2,164,000 | $ 77,285 | $ 74,000 |
| Lake County-Kenosha County, IL-WI | 28 | $ 1,818,000 | $ 64,928 | $ 105,571 |
| Nashville-Davidson--Murfreesboro, TN | 28 | $ 3,150,000 | $ 112,500 | $ 87,000 |
| Tampa-St. Petersburg-Clearwater, FL | 28 | $ 1,829,000 | $ 65,321 | $ 100,000 |
| Dayton, OH | 24 | $ 1,869,000 | $ 77,875 | $ 67,000 |
| Youngstown-Warren-Boardman, OH-PA | 24 | $ 1,757,000 | $ 73,208 | $ 74,500 |
| Bloomington, IN | 23 | $ 2,043,000 | $ 88,826 | $ 65,000 |
| Philadelphia, PA | 23 | $ 1,570,000 | $ 68,260 | $ 111,000 |
| Colorado Springs, CO | 22 | $ 1,216,000 | $ 55,272 | $ 87,000 |
| Columbia, SC | 22 | $ 2,004,000 | $ 91,090 | $ 71,000 |
| Bethesda-Gaithersburg-Frederick, MD | 20 | $ 1,802,000 | $ 90,100 | $ 135,000 |
| Lansing-East Lansing, MI | 20 | $ 1,170,000 | $ 58,500 | $ 95,000 |
| Akron, OH | 19 | $ 1,394,000 | $ 73,368 | $ 93,000 |
| Toledo, OH | 19 | $ 1,200,000 | $ 63,157 | $ 73,000 |
| Flint, MI | 18 | $ 1,131,000 | $ 62,833 | $ 85,000 |
| Evansville, IN-KY | 17 | $ 1,040,000 | $ 61,176 | $ 63,000 |
| South Bend-Mishawaka, IN-MI | 17 | $ 1,523,000 | $ 89,588 | $ 54,058 |
| Fort Wayne, IN | 16 | $ 927,000 | $ 57,937 | $ 63,000 |
| Sheboygan, WI | 15 | $ 815,000 | $ 54,333 | $ 54,000 |
| Appleton, WI | 14 | $ 838,000 | $ 59,857 | $ 72,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 14 | $ 1,403,000 | $ 100,214 | $ 181,000 |
| Louisville-Jefferson County, KY-IN | 14 | $ 818,000 | $ 58,428 | $ 79,428 |
| Miami-Miami Beach-Kendall, FL | 14 | $ 1,427,000 | $ 101,928 | $ 165,000 |
| Charleston-North Charleston, SC | 13 | $ 1,347,000 | $ 103,615 | $ 101,000 |
| Grand Rapids-Wyoming, MI | 12 | $ 1,637,000 | $ 136,416 | $ 134,000 |
| Niles-Benton Harbor, MI | 12 | $ 865,000 | $ 72,083 | $ 55,000 |
| Wichita, KS | 12 | $ 668,000 | $ 55,666 | $ 89,000 |
| Boulder, CO | 11 | $ 1,095,000 | $ 99,545 | $ 112,000 |
| Cape Coral-Fort Myers, FL | 11 | $ 1,121,000 | $ 101,909 | $ 120,000 |
| Jackson, MI | 11 | $ 601,000 | $ 54,636 | $ 54,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 11 | $ 540,000 | $ 49,090 | $ 83,818 |
| Deltona-Daytona Beach-Ormond Beach, FL | 10 | $ 725,000 | $ 72,500 | $ 83,000 |
| Greenville, SC | 10 | $ 726,000 | $ 72,600 | $ 74,000 |
| Michigan City-La Porte, IN | 10 | $ 748,000 | $ 74,800 | $ 76,000 |
| Sarasota-Bradenton-Venice, FL | 10 | $ 1,238,000 | $ 123,800 | $ 125,000 |
| Fond Du Lac, WI | 9 | $ 905,000 | $ 100,555 | $ 80,000 |
| Harrisburg-Carlisle, PA | 9 | $ 464,000 | $ 51,555 | $ 68,000 |
| Jacksonville, FL | 9 | $ 762,000 | $ 84,666 | $ 82,000 |
| Janesville, WI | 9 | $ 547,000 | $ 60,777 | $ 128,000 |
| Joplin, MO | 9 | $ 1,182,000 | $ 131,333 | $ 71,000 |
| Lafayette, IN | 9 | $ 892,000 | $ 99,111 | $ 61,000 |
| Lexington-Fayette, KY | 9 | $ 758,000 | $ 84,222 | $ 96,000 |
| Monroe, MI | 9 | $ 703,000 | $ 78,111 | $ 63,000 |
| Prescott, AZ | 9 | $ 1,310,000 | $ 145,555 | $ 102,000 |
| Raleigh-Cary, NC | 9 | $ 403,000 | $ 44,777 | $ 73,000 |
| Terre Haute, IN | 9 | $ 573,000 | $ 63,666 | $ 61,000 |
| Asheville, NC | 8 | $ 357,000 | $ 44,625 | $ 73,000 |
| Des Moines-West Des Moines, IA | 8 | $ 393,000 | $ 49,125 | $ 88,000 |
| Fort Collins-Loveland, CO | 8 | $ 803,000 | $ 100,375 | $ 138,000 |
| Greeley, CO | 8 | $ 420,000 | $ 52,500 | $ 79,000 |
| Memphis, TN-MS-AR | 8 | $ 611,000 | $ 76,375 | $ 119,000 |
| Naples-Marco Island, FL | 8 | $ 1,006,000 | $ 125,750 | $ 220,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 8 | $ 546,000 | $ 68,250 | $ 117,000 |
| Albany, GA | 7 | $ 384,000 | $ 54,857 | $ 63,000 |
| Ann Arbor, MI | 7 | $ 978,000 | $ 139,714 | $ 159,000 |
| Greensboro-High Point, NC | 7 | $ 322,000 | $ 46,000 | $ 208,000 |
| Kokomo, IN | 7 | $ 1,151,000 | $ 164,428 | $ 69,000 |
| Spartanburg, SC | 7 | $ 377,000 | $ 53,857 | $ 70,000 |
| Tucson, AZ | 7 | $ 727,000 | $ 103,857 | $ 85,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 6 | $ 308,000 | $ 51,333 | $ 56,000 |
| Canton-Massillon, OH | 6 | $ 408,000 | $ 68,000 | $ 62,000 |
| Huntington-Ashland, WV-KY-OH | 6 | $ 546,000 | $ 91,000 | $ 58,666 |
| Kalamazoo-Portage, MI | 6 | $ 521,000 | $ 86,833 | $ 50,000 |
| Macon, GA | 6 | $ 325,000 | $ 54,166 | $ 59,000 |
| Ocala, FL | 6 | $ 612,000 | $ 102,000 | $ 198,000 |
| Palm Bay-Melbourne-Titusville, FL | 6 | $ 460,000 | $ 76,666 | $ 205,000 |
| Racine, WI | 6 | $ 424,000 | $ 70,666 | $ 88,000 |
| Anderson, IN | 5 | $ 433,000 | $ 86,600 | $ 70,000 |
| Bowling Green, KY | 5 | $ 336,000 | $ 67,200 | $ 106,000 |
| Columbus, GA-AL | 5 | $ 186,000 | $ 37,200 | $ 86,000 |
| Elizabethtown, KY | 5 | $ 203,000 | $ 40,600 | $ 62,000 |
| Elkhart-Goshen, IN | 5 | $ 452,000 | $ 90,400 | $ 48,000 |
| Johnstown, PA | 5 | $ 330,000 | $ 66,000 | $ 48,000 |
| Lancaster, PA | 5 | $ 342,000 | $ 68,400 | $ 210,000 |
| Muncie, IN | 5 | $ 429,000 | $ 85,800 | $ 49,000 |
| Oshkosh-Neenah, WI | 5 | $ 200,000 | $ 40,000 | $ 66,000 |
| Panama City-Lynn Haven, FL | 5 | $ 520,000 | $ 104,000 | $ 71,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 5 | $ 225,000 | $ 45,000 | $ 41,200 |
| Port St. Lucie-Fort Pierce, FL | 5 | $ 505,000 | $ 101,000 | $ 60,000 |
| Reading, PA | 5 | $ 201,000 | $ 40,200 | $ 70,000 |
| Salisbury, MD | 5 | $ 297,000 | $ 59,400 | $ 72,000 |
| Scranton--Wilkes-Barre, PA | 5 | $ 329,000 | $ 65,800 | $ 72,000 |
| Springfield, OH | 5 | $ 279,000 | $ 55,800 | $ 46,000 |
| St. Cloud, MN | 5 | $ 290,000 | $ 58,000 | $ 61,000 |
| Wausau, WI | 5 | $ 297,000 | $ 59,400 | $ 66,000 |
| York-Hanover, PA | 5 | $ 193,000 | $ 38,600 | $ 82,000 |
| Chattanooga, TN-GA | 4 | $ 373,000 | $ 93,250 | $ 111,750 |
| Duluth, MN-WI | 4 | $ 278,000 | $ 69,500 | $ 54,000 |
| Knoxville, TN | 4 | $ 419,000 | $ 104,750 | $ 58,000 |
| Reno-Sparks, NV | 4 | $ 529,000 | $ 132,250 | $ 84,000 |
| Richmond, VA | 4 | $ 615,000 | $ 153,750 | $ 109,000 |
| Springfield, MO | 4 | $ 300,000 | $ 75,000 | $ 88,000 |
| Sumter, SC | 4 | $ 297,000 | $ 74,250 | $ 41,000 |
| Gainesville, GA | 3 | $ 174,000 | $ 58,000 | $ 136,000 |
| Hickory-Lenoir-Morganton, NC | 3 | $ 183,000 | $ 61,000 | $ 49,000 |
| Holland-Grand Haven, MI | 3 | $ 235,000 | $ 78,333 | $ 124,000 |
| Johnson City, TN | 3 | $ 230,000 | $ 76,666 | $ 44,000 |
| Muskegon-Norton Shores, MI | 3 | $ 78,000 | $ 26,000 | $ 58,000 |
| Owensboro, KY | 3 | $ 110,000 | $ 36,666 | $ 53,000 |
| Rochester, MN | 3 | $ 185,000 | $ 61,666 | $ 120,000 |
| Rockford, IL | 3 | $ 272,000 | $ 90,666 | $ 166,000 |
| Saginaw-Saginaw Township North, MI | 3 | $ 112,000 | $ 37,333 | $ 66,000 |
| Topeka, KS | 3 | $ 122,000 | $ 40,666 | $ 87,000 |
| Altoona, PA | 2 | $ 60,000 | $ 30,000 | $ 33,000 |
| Anderson, SC | 2 | $ 178,000 | $ 89,000 | $ 60,000 |
| Battle Creek, MI | 2 | $ 150,000 | $ 75,000 | $ 72,000 |
| Burlington, NC | 2 | $ 123,000 | $ 61,500 | $ 98,000 |
| Columbus, IN | 2 | $ 81,000 | $ 40,500 | $ 83,000 |
| Dalton, GA | 2 | $ 159,000 | $ 79,500 | $ 53,000 |
| Danville, IL | 2 | $ 47,000 | $ 23,500 | $ 84,000 |
| Fargo, ND-MN | 2 | $ 60,000 | $ 30,000 | $ 40,000 |
| Flagstaff, AZ | 2 | $ 226,000 | $ 113,000 | $ 68,000 |
| Florence, SC | 2 | $ 80,000 | $ 40,000 | $ 51,000 |
| Gainesville, FL | 2 | $ 70,000 | $ 35,000 | $ 82,000 |
| Grand Junction, CO | 2 | $ 185,000 | $ 92,500 | $ 71,000 |
| Lynchburg, VA | 2 | $ 104,000 | $ 52,000 | $ 51,000 |
| Sebastian-Vero Beach, FL | 2 | $ 370,000 | $ 185,000 | $ 168,000 |
| St. Joseph, MO-KS | 2 | $ 41,000 | $ 20,500 | $ 65,000 |
| Winchester, VA-WV | 2 | $ 162,000 | $ 81,000 | $ 78,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 24,000 | $ 24,000 | $ 70,000 |
| Casper, WY | 1 | $ 59,000 | $ 59,000 | $ 273,000 |
| Cedar Rapids, IA | 1 | $ 20,000 | $ 20,000 | $ 84,000 |
| Charleston, WV | 1 | $ 40,000 | $ 40,000 | $ 74,000 |
| Charlottesville, VA | 1 | $ 145,000 | $ 145,000 | $ 34,000 |
| Cleveland, TN | 1 | $ 80,000 | $ 80,000 | $ 48,000 |
| Cumberland, MD-WV | 1 | $ 20,000 | $ 20,000 | $ 49,000 |
| Decatur, IL | 1 | $ 48,000 | $ 48,000 | $ 80,000 |
| Durham, NC | 1 | $ 64,000 | $ 64,000 | $ 60,000 |
| Eau Claire, WI | 1 | $ 48,000 | $ 48,000 | $ 89,000 |
| Erie, PA | 1 | $ 78,000 | $ 78,000 | $ 30,000 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 140,000 | $ 140,000 | $ 1,440,000 |
| Gadsden, AL | 1 | $ 30,000 | $ 30,000 | $ 81,000 |
| Goldsboro, NC | 1 | $ 86,000 | $ 86,000 | $ 69,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 36,000 | $ 36,000 | $ 61,000 |
| Harrisonburg, VA | 1 | $ 83,000 | $ 83,000 | $ 79,000 |
| Jackson, TN | 1 | $ 28,000 | $ 28,000 | $ 94,000 |
| Jacksonville, NC | 1 | $ 100,000 | $ 100,000 | $ 49,000 |
| Jefferson City, MO | 1 | $ 47,000 | $ 47,000 | $ 66,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 51,000 | $ 51,000 | $ 115,000 |
| Lawrence, KS | 1 | $ 39,000 | $ 39,000 | $ 64,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 71,000 | $ 71,000 | $ 132,000 |
| Montgomery, AL | 1 | $ 85,000 | $ 85,000 | $ 210,000 |
| Morgantown, WV | 1 | $ 65,000 | $ 65,000 | $ 33,000 |
| Morristown, TN | 1 | $ 52,000 | $ 52,000 | $ 115,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 1 | $ 64,000 | $ 64,000 | $ 43,000 |
| New York-White Plains-Wayne, NY-NJ | 1 | $ 400,000 | $ 400,000 | $ 88,000 |
| Oakland-Fremont-Hayward, CA | 1 | $ 76,000 | $ 76,000 | $ 93,000 |
| Ogden-Clearfield, UT | 1 | $ 90,000 | $ 90,000 | $ 64,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 90,000 | $ 90,000 | $ 66,000 |
| Peoria, IL | 1 | $ 21,000 | $ 21,000 | $ 181,000 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 319,000 | $ 319,000 | $ 86,000 |
| Pueblo, CO | 1 | $ 14,000 | $ 14,000 | $ 78,000 |
| Punta Gorda, FL | 1 | $ 55,000 | $ 55,000 | $ 63,000 |
| Roanoke, VA | 1 | $ 68,000 | $ 68,000 | $ 99,000 |
| Rocky Mount, NC | 1 | $ 22,000 | $ 22,000 | $ 81,000 |
| San Diego-Carlsbad-San Marcos, CA | 1 | $ 50,000 | $ 50,000 | $ 206,000 |
| Sandusky, OH | 1 | $ 76,000 | $ 76,000 | $ 47,000 |
| Santa Ana-Anaheim-Irvine, CA | 1 | $ 620,000 | $ 620,000 | $ 180,000 |
| Savannah, GA | 1 | $ 51,000 | $ 51,000 | $ 72,000 |
| Springfield, IL | 1 | $ 75,000 | $ 75,000 | $ 130,000 |
| St. George, UT | 1 | $ 35,000 | $ 35,000 | $ 42,000 |
| State College, PA | 1 | $ 117,000 | $ 117,000 | $ 84,000 |
| Tallahassee, FL | 1 | $ 124,000 | $ 124,000 | $ 47,000 |
| Warner Robins, GA | 1 | $ 43,000 | $ 43,000 | $ 136,000 |
| Wilmington, DE-MD-NJ | 1 | $ 94,000 | $ 94,000 | $ 84,000 |
| Wilmington, NC | 1 | $ 190,000 | $ 190,000 | $ 354,000 |
| Winston-Salem, NC | 1 | $ 25,000 | $ 25,000 | $ 66,000 |
| Yuma, AZ | 1 | $ 61,000 | $ 61,000 | $ 104,000 |
Mortgage Loan Application Detail Totals for Home Equity of America 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 | 2,448 | $198,161,000 | $80,000 | $935,000 | $89,000 | $1,440,000 |
| Home Purchase | 778 | $47,712,000 | $61,000 | $1,540,000 | $107,000 | $1,662,000 |
| Home Improvement | 198 | $12,886,000 | $65,000 | $400,000 | $89,000 | $350,000 |
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 | 2,499 | $187,970,000 | $75,000 | $1,540,000 | $94,000 | $1,662,000 |
| Not Provided | 371 | $29,458,000 | $79,000 | $318,000 | $81,000 | $600,000 |
| Black or African American | 244 | $17,961,000 | $73,000 | $378,000 | $94,000 | $1,285,000 |
| Hispanic | 195 | $15,369,000 | $78,000 | $333,000 | $100,000 | $480,000 |
| Asian | 96 | $7,011,000 | $73,000 | $298,000 | $113,000 | $308,000 |
| Native Hawaiian or Other Pacific Islander | 11 | $674,000 | $61,000 | $105,000 | $94,000 | $155,000 |
| American Indian or Alaskan Native | 8 | $316,000 | $39,000 | $93,000 | $81,000 | $210,000 |
| 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) | 3,424 | $258,759,000 | $75,000 | $1,540,000 | $93,000 | $1,662,000 |
| 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 | 1,959 | $162,087,000 | $82,000 | $1,540,000 | $96,000 | $1,662,000 |
| Loan Originated | 1,377 | $89,591,000 | $65,000 | $486,000 | $91,000 | $540,000 |
| Application Approved But Not Accepted | 72 | $5,864,000 | $81,000 | $260,000 | $75,000 | $229,000 |
| Application Withdrawn By Applicant | 16 | $1,217,000 | $76,000 | $197,000 | $85,000 | $191,000 |
| 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 Application Incomplete | 818 | $63,452,000 | $77,000 | $523,000 | $89,000 | $600,000 |
| Credit History | 574 | $48,786,000 | $84,000 | $620,000 | $93,000 | $998,000 |
| Debt-To-Income Ratio | 204 | $17,127,000 | $83,000 | $318,000 | $82,000 | $1,285,000 |
| Collateral | 172 | $15,914,000 | $92,000 | $935,000 | $117,000 | $600,000 |
| Other | 104 | $9,988,000 | $96,000 | $1,540,000 | $141,000 | $1,662,000 |
| Employment History | 46 | $3,291,000 | $71,000 | $224,000 | $110,000 | $300,000 |
| Unverifiable Information | 41 | $3,529,000 | $86,000 | $225,000 | $124,000 | $744,000 |
| 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 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 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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