Home Loan Center Mortgage Lending & HMDA Data, 2004

In 2004, Home Loan Center of Irvine, CA reported 22,088 mortgage applications totaling $4.2 billion, up 2% from 2003. The average application was for $191,307, and applicants reported an average income of $72,738. 64% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (937), Las Vegas-Paradise, NV (824) and Riverside-San Bernardino-Ontario, CA (824) (applications in parentheses).

Mortgage Company & Address Home Loan Center
163 Technology Drive
Irvine, CA 92618
Tel #: available with data download
Federal Regulator * available with data download
Years 2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 22,088
Total Mortgage Loan Application Amount $4,225,600,000
Average Mortgage Loan Application Amount $191,307
Highest Mortgage Loan Application Amount $2,490,000
Average Applicant Income $72,738
Highest Applicant Income $3,684,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Home Loan Center filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Totals for Home Loan Center by County in 2004

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Los Angeles, California 937 $ 242,726,000 $ 259,045 $ 93,000
Clark, Nevada 824 $ 169,536,000 $ 205,747 $ 68,000
Orange, California 532 $ 167,799,000 $ 315,411 $ 103,000
Maricopa, Arizona 518 $ 85,302,000 $ 164,675 $ 81,000
Riverside, California 433 $ 98,360,000 $ 227,159 $ 74,000
San Bernardino, California 391 $ 79,647,000 $ 203,700 $ 76,000
San Diego, California 358 $ 99,065,000 $ 276,717 $ 92,000
Sacramento, California 251 $ 52,864,000 $ 210,613 $ 68,000
King, Washington 242 $ 56,036,000 $ 231,553 $ 92,000
Fairfax, Virginia 223 $ 56,409,000 $ 252,955 $ 92,000
Suffolk, New York 218 $ 49,803,000 $ 228,454 $ 85,000
Washoe, Nevada 212 $ 42,049,000 $ 198,344 $ 73,000
Prince George's, Maryland 202 $ 40,519,000 $ 200,589 $ 87,000
Cook, Illinois 193 $ 37,597,000 $ 194,803 $ 85,000
Honolulu, Hawaii 183 $ 47,464,000 $ 259,366 $ 72,000
Montgomery, Maryland 183 $ 42,411,000 $ 231,754 $ 81,000
Prince William, Virginia 161 $ 35,389,000 $ 219,807 $ 76,000
Middlesex, Massachusetts 150 $ 35,744,000 $ 238,293 $ 79,000
Broward, Florida 137 $ 23,744,000 $ 173,313 $ 73,000
Miami-Dade, Florida 130 $ 23,414,000 $ 180,107 $ 68,000
Contra Costa, California 125 $ 31,879,000 $ 255,032 $ 100,000
Anne Arundel, Maryland 125 $ 25,866,000 $ 206,928 $ 70,000
Pima, Arizona 124 $ 22,760,000 $ 183,548 $ 81,000
Fresno, California 124 $ 22,643,000 $ 182,604 $ 68,000
Pierce, Washington 124 $ 21,220,000 $ 171,129 $ 71,000
New Castle, Delaware 117 $ 20,831,000 $ 178,042 $ 74,000
Nassau, New York 117 $ 29,606,000 $ 253,042 $ 86,000
San Joaquin, California 116 $ 24,905,000 $ 214,698 $ 70,000
Worcester, Massachusetts 115 $ 21,486,000 $ 186,834 $ 81,000
Alameda, California 111 $ 32,755,000 $ 295,090 $ 93,000
Ventura, California 110 $ 29,670,000 $ 269,727 $ 78,000
Multnomah, Oregon 110 $ 19,374,000 $ 176,127 $ 63,000
Queens, New York 108 $ 30,082,000 $ 278,537 $ 87,000
Hillsborough, New Hampshire 105 $ 20,976,000 $ 199,771 $ 69,000
Washington, Oregon 105 $ 19,725,000 $ 187,857 $ 73,000
Snohomish, Washington 105 $ 20,579,000 $ 195,990 $ 87,000
Baltimore, Maryland 104 $ 17,213,000 $ 165,509 $ 61,000
Kern, California 101 $ 16,232,000 $ 160,712 $ 65,000
Santa Clara, California 97 $ 30,868,000 $ 318,226 $ 99,000
Palm Beach, Florida 97 $ 16,434,000 $ 169,422 $ 85,000
Hillsborough, Florida 93 $ 12,807,000 $ 137,709 $ 63,000
Montgomery, Pennsylvania 93 $ 17,335,000 $ 186,397 $ 103,000
Fairfield, Connecticut 92 $ 21,296,000 $ 231,478 $ 80,000
Plymouth, Massachusetts 92 $ 20,122,000 $ 218,717 $ 121,000
Hartford, Connecticut 91 $ 14,536,000 $ 159,736 $ 78,000
Orange, Florida 91 $ 14,514,000 $ 159,494 $ 70,000
Solano, California 90 $ 20,386,000 $ 226,511 $ 84,000
Essex, Massachusetts 90 $ 20,909,000 $ 232,322 $ 70,000
Providence, Rhode Island 90 $ 16,387,000 $ 182,077 $ 65,000
Salt Lake, Utah 90 $ 15,264,000 $ 169,600 $ 72,000
Stanislaus, California 88 $ 17,383,000 $ 197,534 $ 70,000
Bristol, Massachusetts 88 $ 17,941,000 $ 203,875 $ 59,000
Kings, New York 87 $ 25,139,000 $ 288,954 $ 76,000
Hawaii, Hawaii 86 $ 20,636,000 $ 239,953 $ 63,000
Westchester, New York 85 $ 25,846,000 $ 304,070 $ 104,000
Loudoun, Virginia 82 $ 20,755,000 $ 253,109 $ 91,000
Anchorage, Alaska 81 $ 15,106,000 $ 186,493 $ 69,000
Orange, New York 81 $ 16,776,000 $ 207,111 $ 93,000
Clark, Washington 80 $ 13,590,000 $ 169,875 $ 86,000
New Haven, Connecticut 79 $ 13,753,000 $ 174,088 $ 62,000
Pinellas, Florida 78 $ 11,285,000 $ 144,679 $ 60,000
Bucks, Pennsylvania 75 $ 14,728,000 $ 196,373 $ 87,000
Oakland, Michigan 74 $ 12,768,000 $ 172,540 $ 76,000
Wayne, Michigan 69 $ 10,086,000 $ 146,173 $ 64,000
Stafford, Virginia 67 $ 13,048,000 $ 194,746 $ 78,000
Virginia Beach, Virginia 67 $ 11,701,000 $ 174,641 $ 65,000
Placer, California 66 $ 16,324,000 $ 247,333 $ 70,000
Norfolk, Massachusetts 66 $ 16,282,000 $ 246,696 $ 78,000
Clackamas, Oregon 66 $ 12,135,000 $ 183,863 $ 63,000
Bernalillo, New Mexico 64 $ 8,966,000 $ 140,093 $ 66,000
Wake, North Carolina 63 $ 10,682,000 $ 169,555 $ 76,000
Duval, Florida 61 $ 8,996,000 $ 147,475 $ 65,000
Cobb, Georgia 61 $ 8,820,000 $ 144,590 $ 56,000
Cumberland, Maine 61 $ 10,366,000 $ 169,934 $ 70,000
Frederick, Maryland 60 $ 12,839,000 $ 213,983 $ 67,000
Mecklenburg, North Carolina 60 $ 9,743,000 $ 162,383 $ 72,000
Chester, Pennsylvania 60 $ 13,485,000 $ 224,750 $ 87,000
Kitsap, Washington 60 $ 9,902,000 $ 165,033 $ 76,000
Johnson, Kansas 59 $ 10,018,000 $ 169,796 $ 92,000
Gwinnett, Georgia 58 $ 7,859,000 $ 135,500 $ 62,000
Richmond, New York 58 $ 13,872,000 $ 239,172 $ 95,000
Maui, Hawaii 56 $ 15,668,000 $ 279,785 $ 92,000
Hennepin, Minnesota 55 $ 10,253,000 $ 186,418 $ 69,000
Spotsylvania, Virginia 55 $ 9,198,000 $ 167,236 $ 75,000
Lee, Florida 54 $ 8,330,000 $ 154,259 $ 67,000
Howard, Maryland 54 $ 10,557,000 $ 195,500 $ 97,000
Dutchess, New York 54 $ 11,576,000 $ 214,370 $ 84,000
Jackson, Oregon 52 $ 9,715,000 $ 186,826 $ 53,000
Butte, California 51 $ 10,016,000 $ 196,392 $ 71,000
Cuyahoga, Ohio 51 $ 7,794,000 $ 152,823 $ 79,000
Milwaukee, Wisconsin 51 $ 6,793,000 $ 133,196 $ 66,000
Carroll, Maryland 50 $ 9,868,000 $ 197,360 $ 87,000
Hampden, Massachusetts 50 $ 7,696,000 $ 153,920 $ 71,000
St. Louis, Missouri 50 $ 9,043,000 $ 180,860 $ 69,000
Rockingham, New Hampshire 50 $ 9,922,000 $ 198,440 $ 71,000
Seminole, Florida 49 $ 8,771,000 $ 179,000 $ 74,000
Ada, Idaho 49 $ 6,747,000 $ 137,693 $ 79,000
DuPage, Illinois 49 $ 9,330,000 $ 190,408 $ 68,000
Suffolk, Massachusetts 49 $ 12,530,000 $ 255,714 $ 71,000
Arapahoe, Colorado 48 $ 7,886,000 $ 164,291 $ 76,000
DeKalb, Georgia 48 $ 6,754,000 $ 140,708 $ 74,000
York, Maine 48 $ 7,720,000 $ 160,833 $ 66,000
Charles, Maryland 47 $ 10,123,000 $ 215,382 $ 56,000
Chesterfield, Virginia 47 $ 7,568,000 $ 161,021 $ 79,000
Tulare, California 46 $ 7,631,000 $ 165,891 $ 71,000
Jefferson, Colorado 46 $ 8,266,000 $ 179,695 $ 76,000
Brevard, Florida 45 $ 6,717,000 $ 149,266 $ 65,000
Volusia, Florida 44 $ 7,558,000 $ 171,772 $ 77,000
Will, Illinois 44 $ 7,519,000 $ 170,886 $ 79,000
Bronx, New York 44 $ 10,319,000 $ 234,522 $ 68,000
Lane, Oregon 44 $ 7,172,000 $ 163,000 $ 65,000
El Paso, Colorado 43 $ 5,704,000 $ 132,651 $ 76,000
Harford, Maryland 43 $ 6,557,000 $ 152,488 $ 79,000
Barnstable, Massachusetts 43 $ 10,062,000 $ 234,000 $ 70,000
Macomb, Michigan 42 $ 7,221,000 $ 171,928 $ 62,000
Franklin, Ohio 42 $ 5,857,000 $ 139,452 $ 73,000
Allegheny, Pennsylvania 42 $ 6,746,000 $ 160,619 $ 61,000
Mohave, Arizona 40 $ 5,932,000 $ 148,300 $ 103,000
Sonoma, California 40 $ 11,529,000 $ 288,225 $ 86,000
Henrico, Virginia 40 $ 6,225,000 $ 155,625 $ 66,000
Pinal, Arizona 39 $ 4,931,000 $ 126,435 $ 67,000
Fulton, Georgia 38 $ 7,130,000 $ 187,631 $ 92,000
Philadelphia, Pennsylvania 38 $ 5,183,000 $ 136,394 $ 67,000
Chesapeake, Virginia 38 $ 6,013,000 $ 158,236 $ 65,000
Merced, California 37 $ 6,654,000 $ 179,837 $ 79,000
San Mateo, California 37 $ 10,933,000 $ 295,486 $ 93,000
Adams, Colorado 37 $ 5,353,000 $ 144,675 $ 72,000
Thurston, Washington 37 $ 5,857,000 $ 158,297 $ 68,000
Oklahoma, Oklahoma 36 $ 5,212,000 $ 144,777 $ 95,000
Delaware, Pennsylvania 36 $ 5,937,000 $ 164,916 $ 76,000
Polk, Florida 35 $ 5,290,000 $ 151,142 $ 70,000
Marion, Indiana 35 $ 4,931,000 $ 140,885 $ 52,000
Utah, Utah 35 $ 5,415,000 $ 154,714 $ 51,000
Yolo, California 34 $ 7,495,000 $ 220,441 $ 99,000
Northampton, Pennsylvania 34 $ 6,205,000 $ 182,500 $ 76,000
Davis, Utah 34 $ 5,339,000 $ 157,029 $ 71,000
Whatcom, Washington 34 $ 6,467,000 $ 190,205 $ 62,000
Jefferson, Alabama 33 $ 5,763,000 $ 174,636 $ 73,000
El Dorado, California 33 $ 7,320,000 $ 221,818 $ 65,000
New London, Connecticut 33 $ 5,737,000 $ 173,848 $ 65,000
Strafford, New Hampshire 33 $ 5,123,000 $ 155,242 $ 75,000
Tulsa, Oklahoma 33 $ 4,515,000 $ 136,818 $ 62,000
Spokane, Washington 33 $ 4,814,000 $ 145,878 $ 77,000
St. Lucie, Florida 32 $ 4,973,000 $ 155,406 $ 55,000
St. Tammany, Louisiana 32 $ 4,656,000 $ 145,500 $ 69,000
Rockland, New York 32 $ 9,551,000 $ 298,468 $ 107,000
Monterey, California 31 $ 8,414,000 $ 271,419 $ 82,000
San Francisco, California 31 $ 9,254,000 $ 298,516 $ 98,000
Kauai, Hawaii 31 $ 8,241,000 $ 265,838 $ 59,000
Monroe, Pennsylvania 31 $ 4,691,000 $ 151,322 $ 67,000
Madison, Alabama 30 $ 4,934,000 $ 164,466 $ 100,000
Santa Barbara, California 30 $ 8,834,000 $ 294,466 $ 69,000
Litchfield, Connecticut 30 $ 5,018,000 $ 167,266 $ 65,000
Collier, Florida 30 $ 6,304,000 $ 210,133 $ 73,000
Kane, Illinois 30 $ 6,069,000 $ 202,300 $ 70,000
St. Charles, Missouri 30 $ 4,690,000 $ 156,333 $ 76,000
Ulster, New York 30 $ 5,343,000 $ 178,100 $ 90,000
Yavapai, Arizona 29 $ 4,870,000 $ 167,931 $ 91,000
Sarasota, Florida 29 $ 4,198,000 $ 144,758 $ 56,000
East Baton Rouge, Louisiana 29 $ 4,990,000 $ 172,068 $ 71,000
Jackson, Missouri 29 $ 3,705,000 $ 127,758 $ 109,000
Marion, Oregon 29 $ 4,267,000 $ 147,137 $ 64,000
Arlington, Virginia 29 $ 5,867,000 $ 202,310 $ 121,000
Berkeley, West Virginia 29 $ 4,549,000 $ 156,862 $ 58,000
Lake, Florida 28 $ 3,733,000 $ 133,321 $ 76,000
McHenry, Illinois 28 $ 4,903,000 $ 175,107 $ 73,000
Guilford, North Carolina 28 $ 4,186,000 $ 149,500 $ 69,000
San Luis Obispo, California 27 $ 6,747,000 $ 249,888 $ 55,000
Boulder, Colorado 27 $ 5,805,000 $ 215,000 $ 81,000
Jefferson, Louisiana 27 $ 4,084,000 $ 151,259 $ 77,000
Baltimore City, Maryland 27 $ 3,919,000 $ 145,148 $ 79,000
Douglas, Nevada 27 $ 5,873,000 $ 217,518 $ 78,000
Putnam, New York 27 $ 6,184,000 $ 229,037 $ 84,000
Saratoga, New York 27 $ 4,209,000 $ 155,888 $ 66,000
Dane, Wisconsin 27 $ 3,628,000 $ 134,370 $ 70,000
Shasta, California 26 $ 4,568,000 $ 175,692 $ 57,000
Middlesex, Connecticut 26 $ 3,958,000 $ 152,230 $ 62,000
Kent, Delaware 26 $ 3,638,000 $ 139,923 $ 57,000
Manatee, Florida 26 $ 4,891,000 $ 188,115 $ 72,000
Butler, Ohio 26 $ 3,968,000 $ 152,615 $ 67,000
York, Pennsylvania 26 $ 3,804,000 $ 146,307 $ 79,000
Matanuska-Susitna, Alaska 25 $ 3,653,000 $ 146,120 $ 86,000
Polk, Iowa 25 $ 2,922,000 $ 116,880 $ 71,000
Fairbanks North Star, Alaska 24 $ 2,930,000 $ 122,083 $ 86,000
Denver, Colorado 24 $ 4,397,000 $ 183,208 $ 80,000
Sussex, Delaware 24 $ 4,866,000 $ 202,750 $ 91,000
Orleans, Louisiana 24 $ 4,937,000 $ 205,708 $ 79,000
Merrimack, New Hampshire 24 $ 4,470,000 $ 186,250 $ 60,000
Erie, New York 24 $ 3,327,000 $ 138,625 $ 84,000
Hamilton, Ohio 24 $ 3,655,000 $ 152,291 $ 71,000
Summit, Ohio 24 $ 3,370,000 $ 140,416 $ 72,000
Lancaster, Pennsylvania 24 $ 3,292,000 $ 137,166 $ 58,000
Kent, Rhode Island 24 $ 5,031,000 $ 209,625 $ 64,000
Humboldt, California 23 $ 3,962,000 $ 172,260 $ 63,000
Anoka, Minnesota 23 $ 3,629,000 $ 157,782 $ 69,000
Ramsey, Minnesota 23 $ 3,874,000 $ 168,434 $ 80,000
Monroe, New York 23 $ 2,288,000 $ 99,478 $ 76,000
Linn, Oregon 23 $ 3,294,000 $ 143,217 $ 59,000
Shelby, Tennessee 23 $ 3,785,000 $ 164,565 $ 73,000
Alexandria, Virginia 23 $ 5,595,000 $ 243,260 $ 103,000
Marin, California 22 $ 7,170,000 $ 325,909 $ 90,000
Larimer, Colorado 22 $ 4,399,000 $ 199,954 $ 70,000
Onondaga, New York 22 $ 3,225,000 $ 146,590 $ 88,000
Union, North Carolina 22 $ 3,026,000 $ 137,545 $ 87,000
Weber, Utah 22 $ 3,302,000 $ 150,090 $ 57,000
Jefferson, West Virginia 22 $ 3,905,000 $ 177,500 $ 115,000
Coconino, Arizona 21 $ 3,731,000 $ 177,666 $ 57,000
Madera, California 21 $ 3,525,000 $ 167,857 $ 78,000
Douglas, Colorado 21 $ 4,202,000 $ 200,095 $ 86,000
District of Columbia, District Of Columbia 21 $ 5,071,000 $ 241,476 $ 83,000
Hamilton, Indiana 21 $ 3,042,000 $ 144,857 $ 61,000
Lake, Indiana 21 $ 2,824,000 $ 134,476 $ 72,000
Calvert, Maryland 21 $ 4,414,000 $ 210,190 $ 83,000
Washington, Maryland 21 $ 3,408,000 $ 162,285 $ 68,000
Carson City, Nevada 21 $ 4,246,000 $ 202,190 $ 61,000
Deschutes, Oregon 21 $ 4,033,000 $ 192,047 $ 58,000
Lehigh, Pennsylvania 21 $ 3,131,000 $ 149,095 $ 57,000
Newport News, Virginia 21 $ 2,493,000 $ 118,714 $ 58,000
Kenosha, Wisconsin 21 $ 2,996,000 $ 142,666 $ 58,000
Shelby, Alabama 20 $ 2,885,000 $ 144,250 $ 68,000
Weld, Colorado 20 $ 2,567,000 $ 128,350 $ 61,000
Pasco, Florida 20 $ 2,523,000 $ 126,150 $ 56,000
Lake, Illinois 20 $ 3,879,000 $ 193,950 $ 81,000
Yellowstone, Montana 20 $ 2,699,000 $ 134,950 $ 58,000
Santa Fe, New Mexico 20 $ 4,987,000 $ 249,350 $ 116,000
Durham, North Carolina 20 $ 2,761,000 $ 138,050 $ 61,000
Berks, Pennsylvania 20 $ 2,578,000 $ 128,900 $ 76,000
Fauquier, Virginia 20 $ 4,152,000 $ 207,600 $ 84,000
Tehama, California 19 $ 2,671,000 $ 140,578 $ 59,000
Lucas, Ohio 19 $ 2,426,000 $ 127,684 $ 64,000
Waukesha, Wisconsin 19 $ 3,219,000 $ 169,421 $ 84,000
Napa, California 18 $ 5,187,000 $ 288,166 $ 99,000
Tolland, Connecticut 18 $ 3,047,000 $ 169,277 $ 86,000
Osceola, Florida 18 $ 2,954,000 $ 164,111 $ 55,000
Cherokee, Georgia 18 $ 2,427,000 $ 134,833 $ 63,000
St. Mary's, Maryland 18 $ 2,727,000 $ 151,500 $ 56,000
Genesee, Michigan 18 $ 2,636,000 $ 146,444 $ 60,000
Livingston, Michigan 18 $ 2,496,000 $ 138,666 $ 71,000
Jefferson, Missouri 18 $ 1,919,000 $ 106,611 $ 52,000
Lyon, Nevada 18 $ 2,790,000 $ 155,000 $ 63,000
Albany, New York 18 $ 3,349,000 $ 186,055 $ 107,000
Westmoreland, Pennsylvania 18 $ 2,604,000 $ 144,666 $ 56,000
Washington, Utah 18 $ 2,556,000 $ 142,000 $ 64,000
Sutter, California 17 $ 2,608,000 $ 153,411 $ 67,000
Escambia, Florida 17 $ 1,740,000 $ 102,352 $ 60,000
St. Johns, Florida 17 $ 2,756,000 $ 162,117 $ 91,000
Kent, Michigan 17 $ 2,048,000 $ 120,470 $ 37,000
Dakota, Minnesota 17 $ 2,889,000 $ 169,941 $ 71,000
Washington, Minnesota 17 $ 3,962,000 $ 233,058 $ 88,000
DeSoto, Mississippi 17 $ 2,186,000 $ 128,588 $ 59,000
Forsyth, North Carolina 17 $ 2,845,000 $ 167,352 $ 62,000
Gaston, North Carolina 17 $ 1,730,000 $ 101,764 $ 57,000
Montgomery, Ohio 17 $ 2,488,000 $ 146,352 $ 85,000
Benton, Oregon 17 $ 3,285,000 $ 193,235 $ 76,000
Chittenden, Vermont 17 $ 2,505,000 $ 147,352 $ 61,000
Hampton, Virginia 17 $ 2,102,000 $ 123,647 $ 82,000
Hanover, Virginia 17 $ 2,828,000 $ 166,352 $ 81,000
Benton, Washington 17 $ 2,588,000 $ 152,235 $ 76,000
Kings, California 16 $ 2,562,000 $ 160,125 $ 75,000
Clay, Florida 16 $ 1,658,000 $ 103,625 $ 52,000
Hall, Georgia 16 $ 2,239,000 $ 139,937 $ 72,000
Kootenai, Idaho 16 $ 2,550,000 $ 159,375 $ 64,000
Androscoggin, Maine 16 $ 2,322,000 $ 145,125 $ 65,000
Gallatin, Montana 16 $ 3,120,000 $ 195,000 $ 98,000
Douglas, Nebraska 16 $ 1,847,000 $ 115,437 $ 69,000
Sandoval, New Mexico 16 $ 2,188,000 $ 136,750 $ 98,000
Delaware, Ohio 16 $ 2,895,000 $ 180,937 $ 110,000
Lake, Ohio 16 $ 2,483,000 $ 155,187 $ 58,000
Josephine, Oregon 16 $ 3,099,000 $ 193,687 $ 69,000
Washington, Rhode Island 16 $ 3,780,000 $ 236,250 $ 101,000
Greenville, South Carolina 16 $ 2,401,000 $ 150,062 $ 83,000
Yuma, Arizona 15 $ 2,028,000 $ 135,200 $ 62,000
Windham, Connecticut 15 $ 2,284,000 $ 152,266 $ 80,000
Alachua, Florida 15 $ 2,218,000 $ 147,866 $ 90,000
Bay, Florida 15 $ 2,451,000 $ 163,400 $ 68,000
Charlotte, Florida 15 $ 3,091,000 $ 206,066 $ 47,000
Flagler, Florida 15 $ 2,310,000 $ 154,000 $ 46,000
Hernando, Florida 15 $ 2,046,000 $ 136,400 $ 51,000
Leon, Florida 15 $ 1,858,000 $ 123,866 $ 72,000
Martin, Florida 15 $ 3,054,000 $ 203,600 $ 82,000
Santa Rosa, Florida 15 $ 1,945,000 $ 129,666 $ 80,000
Madison, Illinois 15 $ 1,681,000 $ 112,066 $ 71,000
Sedgwick, Kansas 15 $ 2,228,000 $ 148,533 $ 85,000
Cecil, Maryland 15 $ 2,602,000 $ 173,466 $ 72,000
Wicomico, Maryland 15 $ 1,801,000 $ 120,066 $ 81,000
Berkshire, Massachusetts 15 $ 2,228,000 $ 148,533 $ 50,000
Washtenaw, Michigan 15 $ 2,609,000 $ 173,933 $ 78,000
Clay, Missouri 15 $ 1,924,000 $ 128,266 $ 78,000
Belknap, New Hampshire 15 $ 2,314,000 $ 154,266 $ 52,000
Carroll, New Hampshire 15 $ 2,421,000 $ 161,400 $ 66,000
Stark, Ohio 15 $ 3,198,000 $ 213,200 $ 82,000
Cumberland, Pennsylvania 15 $ 2,327,000 $ 155,133 $ 53,000
Franklin, Pennsylvania 15 $ 1,725,000 $ 115,000 $ 64,000
Charleston, South Carolina 15 $ 3,032,000 $ 202,133 $ 80,000
Norfolk, Virginia 15 $ 2,411,000 $ 160,733 $ 55,000
Shawnee, Kansas 14 $ 1,828,000 $ 130,571 $ 47,000
Jefferson, Kentucky 14 $ 1,451,000 $ 103,642 $ 66,000
Cheshire, New Hampshire 14 $ 2,151,000 $ 153,642 $ 73,000
Dona Ana, New Mexico 14 $ 1,858,000 $ 132,714 $ 49,000
Rensselaer, New York 14 $ 1,686,000 $ 120,428 $ 58,000
Cabarrus, North Carolina 14 $ 2,027,000 $ 144,785 $ 79,000
Portage, Ohio 14 $ 2,324,000 $ 166,000 $ 116,000
Luzerne, Pennsylvania 14 $ 1,711,000 $ 122,214 $ 70,000
Pennington, South Dakota 14 $ 2,109,000 $ 150,642 $ 52,000
Davidson, Tennessee 14 $ 2,083,000 $ 148,785 $ 65,000
Yakima, Washington 14 $ 2,542,000 $ 181,571 $ 71,000
Baldwin, Alabama 13 $ 2,391,000 $ 183,923 $ 60,000
Montgomery, Alabama 13 $ 2,068,000 $ 159,076 $ 69,000
Cochise, Arizona 13 $ 1,718,000 $ 132,153 $ 59,000
Calaveras, California 13 $ 2,562,000 $ 197,076 $ 70,000
Lake, California 13 $ 2,401,000 $ 184,692 $ 65,000
Santa Cruz, California 13 $ 3,717,000 $ 285,923 $ 85,000
Douglas, Georgia 13 $ 1,683,000 $ 129,461 $ 80,000
Sarpy, Nebraska 13 $ 1,611,000 $ 123,923 $ 45,000
Broome, New York 13 $ 1,758,000 $ 135,230 $ 77,000
New York, New York 13 $ 3,536,000 $ 272,000 $ 88,000
Brunswick, North Carolina 13 $ 1,805,000 $ 138,846 $ 53,000
Iredell, North Carolina 13 $ 2,080,000 $ 160,000 $ 77,000
Clermont, Ohio 13 $ 2,322,000 $ 178,615 $ 94,000
Adams, Pennsylvania 13 $ 2,126,000 $ 163,538 $ 90,000
Butler, Pennsylvania 13 $ 1,745,000 $ 134,230 $ 62,000
Knox, Tennessee 13 $ 1,899,000 $ 146,076 $ 73,000
York, Virginia 13 $ 1,801,000 $ 138,538 $ 55,000
Brown, Wisconsin 13 $ 1,670,000 $ 128,461 $ 70,000
Kenai Peninsula, Alaska 12 $ 1,773,000 $ 147,750 $ 76,000
Benton, Arkansas 12 $ 1,985,000 $ 165,416 $ 56,000
Yuba, California 12 $ 2,199,000 $ 183,250 $ 66,000
Okaloosa, Florida 12 $ 2,290,000 $ 190,833 $ 59,000
Fayette, Georgia 12 $ 2,480,000 $ 206,666 $ 110,000
Newton, Georgia 12 $ 1,733,000 $ 144,416 $ 48,000
St. Clair, Illinois 12 $ 1,352,000 $ 112,666 $ 84,000
Calcasieu, Louisiana 12 $ 1,428,000 $ 119,000 $ 73,000
Lafayette, Louisiana 12 $ 1,561,000 $ 130,083 $ 62,000
Penobscot, Maine 12 $ 1,200,000 $ 100,000 $ 114,000
Hampshire, Massachusetts 12 $ 1,947,000 $ 162,250 $ 80,000
Buncombe, North Carolina 12 $ 1,953,000 $ 162,750 $ 107,000
Cumberland, North Carolina 12 $ 1,514,000 $ 126,166 $ 67,000
Medina, Ohio 12 $ 2,002,000 $ 166,833 $ 82,000
Warren, Ohio 12 $ 1,713,000 $ 142,750 $ 70,000
Polk, Oregon 12 $ 1,879,000 $ 156,583 $ 87,000
Dauphin, Pennsylvania 12 $ 1,831,000 $ 152,583 $ 67,000
Horry, South Carolina 12 $ 1,877,000 $ 156,416 $ 87,000
Laramie, Wyoming 12 $ 1,700,000 $ 141,666 $ 57,000
Nevada, California 11 $ 2,938,000 $ 267,090 $ 92,000
Clayton, Georgia 11 $ 1,265,000 $ 115,000 $ 124,000
Columbia, Georgia 11 $ 1,883,000 $ 171,181 $ 79,000
Henry, Georgia 11 $ 960,000 $ 87,272 $ 88,000
Porter, Indiana 11 $ 1,569,000 $ 142,636 $ 63,000
Boone, Kentucky 11 $ 1,378,000 $ 125,272 $ 63,000
Ouachita, Louisiana 11 $ 1,599,000 $ 145,363 $ 80,000
Jackson, Mississippi 11 $ 1,441,000 $ 131,000 $ 67,000
Greene, Missouri 11 $ 1,823,000 $ 165,727 $ 95,000
Missoula, Montana 11 $ 1,559,000 $ 141,727 $ 72,000
Lancaster, Nebraska 11 $ 1,619,000 $ 147,181 $ 55,000
Beaufort, South Carolina 11 $ 1,782,000 $ 162,000 $ 67,000
Rutherford, Tennessee 11 $ 1,611,000 $ 146,454 $ 86,000
Culpeper, Virginia 11 $ 2,270,000 $ 206,363 $ 60,000
Fairfax City, Virginia 11 $ 2,609,000 $ 237,181 $ 73,000
Frederick, Virginia 11 $ 1,574,000 $ 143,090 $ 61,000
Suffolk, Virginia 11 $ 2,112,000 $ 192,000 $ 94,000
Warren, Virginia 11 $ 1,790,000 $ 162,727 $ 69,000
Lee, Alabama 10 $ 1,785,000 $ 178,500 $ 75,000
Navajo, Arizona 10 $ 1,689,000 $ 168,900 $ 84,000
San Benito, California 10 $ 3,107,000 $ 310,700 $ 77,000
Mesa, Colorado 10 $ 1,003,000 $ 100,300 $ 63,000
Indian River, Florida 10 $ 1,576,000 $ 157,600 $ 127,000
Marion, Florida 10 $ 2,651,000 $ 265,100 $ 81,000
Nassau, Florida 10 $ 1,966,000 $ 196,600 $ 65,000
Bonneville, Idaho 10 $ 1,363,000 $ 136,300 $ 74,000
Hendricks, Indiana 10 $ 848,000 $ 84,800 $ 73,000
Johnson, Indiana 10 $ 1,236,000 $ 123,600 $ 68,000
Scott, Iowa 10 $ 1,362,000 $ 136,200 $ 72,000
Livingston, Louisiana 10 $ 1,292,000 $ 129,200 $ 70,000
Kennebec, Maine 10 $ 1,306,000 $ 130,600 $ 56,000
Kalamazoo, Michigan 10 $ 961,000 $ 96,100 $ 59,000
Muskegon, Michigan 10 $ 1,571,000 $ 157,100 $ 78,000
St. Clair, Michigan 10 $ 1,518,000 $ 151,800 $ 61,000
Rankin, Mississippi 10 $ 1,471,000 $ 147,100 $ 87,000
Grafton, New Hampshire 10 $ 1,563,000 $ 156,300 $ 62,000
Johnston, North Carolina 10 $ 1,767,000 $ 176,700 $ 67,000
New Hanover, North Carolina 10 $ 2,392,000 $ 239,200 $ 178,000
Wood, Ohio 10 $ 1,245,000 $ 124,500 $ 78,000
Pike, Pennsylvania 10 $ 1,661,000 $ 166,100 $ 70,000
Newport, Rhode Island 10 $ 2,158,000 $ 215,800 $ 48,000
Summit, Utah 10 $ 2,385,000 $ 238,500 $ 77,000
Skagit, Washington 10 $ 1,736,000 $ 173,600 $ 76,000
Sauk, Wisconsin 10 $ 1,236,000 $ 123,600 $ 59,000
Clarke, Georgia 9 $ 1,080,000 $ 120,000 $ 83,000
Coweta, Georgia 9 $ 1,362,000 $ 151,333 $ 52,000
Forsyth, Georgia 9 $ 1,816,000 $ 201,777 $ 102,000
Canyon, Idaho 9 $ 1,166,000 $ 129,555 $ 48,000
Fayette, Kentucky 9 $ 981,000 $ 109,000 $ 102,000
Olmsted, Minnesota 9 $ 1,259,000 $ 139,888 $ 93,000
Scott, Minnesota 9 $ 1,223,000 $ 135,888 $ 69,000
Wright, Minnesota 9 $ 1,649,000 $ 183,222 $ 81,000
Cass, Missouri 9 $ 1,146,000 $ 127,333 $ 59,000
Platte, Missouri 9 $ 1,297,000 $ 144,111 $ 53,000
St. Louis City, Missouri 9 $ 1,312,000 $ 145,777 $ 101,000
Flathead, Montana 9 $ 1,603,000 $ 178,111 $ 73,000
Oneida, New York 9 $ 1,188,000 $ 132,000 $ 71,000
Catawba, North Carolina 9 $ 1,213,000 $ 134,777 $ 58,000
Cleveland, Oklahoma 9 $ 773,000 $ 85,888 $ 55,000
Coos, Oregon 9 $ 1,145,000 $ 127,222 $ 68,000
Douglas, Oregon 9 $ 1,212,000 $ 134,666 $ 56,000
Washington, Pennsylvania 9 $ 1,345,000 $ 149,444 $ 71,000
Richland, South Carolina 9 $ 1,348,000 $ 149,777 $ 49,000
Hamilton, Tennessee 9 $ 1,144,000 $ 127,111 $ 51,000
Williamson, Tennessee 9 $ 2,413,000 $ 268,111 $ 133,000
Albemarle, Virginia 9 $ 1,679,000 $ 186,555 $ 84,000
Augusta, Virginia 9 $ 1,486,000 $ 165,111 $ 62,000
James City, Virginia 9 $ 1,466,000 $ 162,888 $ 91,000
Manassas, Virginia 9 $ 1,484,000 $ 164,888 $ 53,000
Roanoke, Virginia 9 $ 1,456,000 $ 161,777 $ 57,000
Island, Washington 9 $ 1,197,000 $ 133,000 $ 55,000
Kanawha, West Virginia 9 $ 994,000 $ 110,444 $ 84,000
Racine, Wisconsin 9 $ 1,407,000 $ 156,333 $ 90,000
Imperial, California 8 $ 1,265,000 $ 158,125 $ 82,000
Mariposa, California 8 $ 1,632,000 $ 204,000 $ 74,000
Mendocino, California 8 $ 2,046,000 $ 255,750 $ 68,000
Elbert, Colorado 8 $ 2,342,000 $ 292,750 $ 65,000
Houston, Georgia 8 $ 811,000 $ 101,375 $ 65,000
Paulding, Georgia 8 $ 1,192,000 $ 149,000 $ 76,000
Bonner, Idaho 8 $ 1,758,000 $ 219,750 $ 74,000
Leavenworth, Kansas 8 $ 1,174,000 $ 146,750 $ 52,000
Bullitt, Kentucky 8 $ 1,006,000 $ 125,750 $ 59,000
Franklin, Massachusetts 8 $ 1,166,000 $ 145,750 $ 51,000
Allegan, Michigan 8 $ 1,323,000 $ 165,375 $ 51,000
Ingham, Michigan 8 $ 857,000 $ 107,125 $ 46,000
Ottawa, Michigan 8 $ 1,238,000 $ 154,750 $ 53,000
Boone, Missouri 8 $ 1,252,000 $ 156,500 $ 71,000
Elko, Nevada 8 $ 1,167,000 $ 145,875 $ 78,000
San Juan, New Mexico 8 $ 1,338,000 $ 167,250 $ 61,000
Niagara, New York 8 $ 872,000 $ 109,000 $ 49,000
Sullivan, New York 8 $ 1,291,000 $ 161,375 $ 95,000
Erie, Ohio 8 $ 1,202,000 $ 150,250 $ 72,000
Miami, Ohio 8 $ 1,126,000 $ 140,750 $ 67,000
Sandusky, Ohio 8 $ 1,014,000 $ 126,750 $ 75,000
Comanche, Oklahoma 8 $ 856,000 $ 107,000 $ 81,000
Beaver, Pennsylvania 8 $ 1,123,000 $ 140,375 $ 52,000
Centre, Pennsylvania 8 $ 1,184,000 $ 148,000 $ 56,000
Erie, Pennsylvania 8 $ 1,124,000 $ 140,500 $ 72,000
Lackawanna, Pennsylvania 8 $ 906,000 $ 113,250 $ 66,000
Sumner, Tennessee 8 $ 1,365,000 $ 170,625 $ 61,000
Windham, Vermont 8 $ 1,364,000 $ 170,500 $ 76,000
Windsor, Vermont 8 $ 1,124,000 $ 140,500 $ 57,000
Richmond City, Virginia 8 $ 1,331,000 $ 166,375 $ 75,000
Cowlitz, Washington 8 $ 1,201,000 $ 150,125 $ 47,000
Cabell, West Virginia 8 $ 1,433,000 $ 179,125 $ 100,000
Washington, Wisconsin 8 $ 1,012,000 $ 126,500 $ 52,000
Elmore, Alabama 7 $ 1,031,000 $ 147,285 $ 77,000
Mobile, Alabama 7 $ 942,000 $ 134,571 $ 88,000
Tuscaloosa, Alabama 7 $ 917,000 $ 131,000 $ 94,000
Pueblo, Colorado 7 $ 953,000 $ 136,142 $ 64,000
Citrus, Florida 7 $ 859,000 $ 122,714 $ 63,000
Barrow, Georgia 7 $ 706,000 $ 100,857 $ 72,000
Chatham, Georgia 7 $ 703,000 $ 100,428 $ 44,000
Richmond, Georgia 7 $ 818,000 $ 116,857 $ 76,000
Rockdale, Georgia 7 $ 1,178,000 $ 168,285 $ 65,000
Allen, Indiana 7 $ 979,000 $ 139,857 $ 65,000
Hancock, Indiana 7 $ 1,093,000 $ 156,142 $ 70,000
St. Joseph, Indiana 7 $ 1,370,000 $ 195,714 $ 78,000
Pottawattamie, Iowa 7 $ 903,000 $ 129,000 $ 124,000
Madison, Kentucky 7 $ 722,000 $ 103,142 $ 65,000
Caddo, Louisiana 7 $ 911,000 $ 130,142 $ 71,000
Queen Anne's, Maryland 7 $ 1,341,000 $ 191,571 $ 92,000
Worcester, Maryland 7 $ 1,255,000 $ 179,285 $ 80,000
Calhoun, Michigan 7 $ 1,043,000 $ 149,000 $ 68,000
Grand Traverse, Michigan 7 $ 1,612,000 $ 230,285 $ 99,000
Lapeer, Michigan 7 $ 1,143,000 $ 163,285 $ 84,000
Saginaw, Michigan 7 $ 814,000 $ 116,285 $ 51,000
Nye, Nevada 7 $ 1,233,000 $ 176,142 $ 63,000
Caldwell, North Carolina 7 $ 961,000 $ 137,285 $ 48,000
Onslow, North Carolina 7 $ 802,000 $ 114,571 $ 50,000
Richland, Ohio 7 $ 1,029,000 $ 147,000 $ 54,000
Curry, Oregon 7 $ 1,267,000 $ 181,000 $ 81,000
Lincoln, Oregon 7 $ 727,000 $ 103,857 $ 57,000
Berkeley, South Carolina 7 $ 1,241,000 $ 177,285 $ 47,000
Minnehaha, South Dakota 7 $ 992,000 $ 141,714 $ 62,000
Blount, Tennessee 7 $ 1,043,000 $ 149,000 $ 89,000
Cocke, Tennessee 7 $ 1,163,000 $ 166,142 $ 143,000
Iron, Utah 7 $ 1,086,000 $ 155,142 $ 121,000
Rutland, Vermont 7 $ 1,226,000 $ 175,142 $ 68,000
Roanoke City, Virginia 7 $ 690,000 $ 98,571 $ 59,000
Chelan, Washington 7 $ 1,353,000 $ 193,285 $ 87,000
Mason, Washington 7 $ 1,104,000 $ 157,714 $ 50,000
Wood, West Virginia 7 $ 1,242,000 $ 177,428 $ 106,000
St. Croix, Wisconsin 7 $ 1,727,000 $ 246,714 $ 49,000
Winnebago, Wisconsin 7 $ 1,021,000 $ 145,857 $ 76,000
Houston, Alabama 6 $ 846,000 $ 141,000 $ 96,000
Talladega, Alabama 6 $ 1,051,000 $ 175,166 $ 85,000
Pulaski, Arkansas 6 $ 1,126,000 $ 187,666 $ 88,000
Saline, Arkansas 6 $ 732,000 $ 122,000 $ 82,000
Siskiyou, California 6 $ 961,000 $ 160,166 $ 47,000
Tuolumne, California 6 $ 1,316,000 $ 219,333 $ 52,000
La Plata, Colorado 6 $ 1,079,000 $ 179,833 $ 46,000
Teller, Colorado 6 $ 834,000 $ 139,000 $ 67,000
Walton, Florida 6 $ 1,453,000 $ 242,166 $ 94,000
Muscogee, Georgia 6 $ 674,000 $ 112,333 $ 62,000
Kankakee, Illinois 6 $ 927,000 $ 154,500 $ 65,000
McLean, Illinois 6 $ 908,000 $ 151,333 $ 42,000
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Mortgage Loan Application Detail Totals for Home Loan Center 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 19,715 $3,714,873,000 $161,843 $1,700,000 $70,176 $1,500,000
Home Purchase 1,517 $347,417,000 $189,745 $2,490,000 $79,823 $3,684,000
Home Improvement 856 $163,310,000 $161,377 $713,000 $70,022 $432,000

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 20,421 $3,910,344,000 $162,392 $2,490,000 $70,607 $3,684,000
White 1,282 $233,505,000 $171,352 $1,270,000 $78,686 $643,000
Hispanic 233 $48,428,000 $181,666 $560,000 $84,185 $226,000
Asian 66 $15,667,000 $201,130 $840,000 $82,434 $529,000
Black or African American 66 $13,056,000 $181,739 $517,000 $79,043 $254,000
American Indian or Alaskan Native 11 $1,936,000 $176,571 $440,000 $80,714 $126,000
Native Hawaiian or Other Pacific Islander 9 $2,664,000 $285,500 $485,000 $65,666 $131,000
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) 22,088 $4,225,600,000 $163,117 $2,490,000 $71,627 $3,684,000
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 14,081 $2,736,942,000 $166,450 $2,490,000 $77,588 $3,684,000
Application Withdrawn By Applicant 4,567 $863,735,000 $161,274 $1,700,000 $69,627 $1,500,000
Application Denied By Financial Institution 3,418 $621,452,000 $159,607 $1,470,000 $65,666 $1,526,000
Application Approved But Not Accepted 21 $3,291,000 $149,200 $640,000 $75,000 $224,000
File Closed For Incompleteness 1 $180,000 $180,000 $180,000 $86,000 $86,000
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
Collateral 1,167 $207,666,000 $165,224 $1,470,000 $65,224 $1,526,000
Debt-To-Income Ratio 599 $110,663,000 $154,645 $833,000 $57,833 $944,000
Credit History 560 $98,729,000 $155,191 $698,000 $64,446 $401,000
Other 507 $91,014,000 $150,895 $750,000 $70,979 $449,000
Unverifiable Information 306 $59,957,000 $170,975 $674,000 $61,170 $264,000
Insufficient Cash (Downpayment, Closing Cost) 121 $23,265,000 $168,631 $760,000 $68,684 $408,000
Credit Application Incomplete 87 $17,820,000 $164,419 $750,000 $71,064 $236,000
Employment History 55 $10,139,000 $168,791 $360,000 $64,458 $156,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Home Loan Center'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 Loan Center'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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