Home Loan Center Mortgage Lending & HMDA Data, 2007

In 2007, Home Loan Center of Irvine, CA reported 66,572 mortgage applications totaling $11.4 billion, down 8% from 2006. The average application was for $170,824, and applicants reported an average income of $80,799. 48% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (2,354), Washington-Arlington-Alexandria, DC-VA-MD-WV (1,981) and Chicago-Naperville-Joliet, IL (1,714) (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 66,572
Total Mortgage Loan Application Amount $11,372,114,000
Average Mortgage Loan Application Amount $170,824
Highest Mortgage Loan Application Amount $1,788,000
Average Applicant Income $80,799
Highest Applicant Income $6,000,000

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Act (HMDA) records Home Loan Center filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2007

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Maricopa, Arizona 1,528 $ 284,597,000 $ 186,254 $ 79,000
Los Angeles, California 1,104 $ 308,334,000 $ 279,288 $ 97,000
Cook, Illinois 910 $ 168,011,000 $ 184,627 $ 94,000
Clark, Nevada 830 $ 167,043,000 $ 201,256 $ 83,000
Broward, Florida 622 $ 125,271,000 $ 201,400 $ 84,000
San Bernardino, California 611 $ 137,300,000 $ 224,713 $ 84,000
Miami-Dade, Florida 580 $ 116,875,000 $ 201,508 $ 84,000
Riverside, California 579 $ 141,413,000 $ 244,236 $ 94,000
Prince George's, Maryland 506 $ 111,455,000 $ 220,266 $ 86,000
San Diego, California 483 $ 129,182,000 $ 267,457 $ 92,000
Hillsborough, Florida 478 $ 79,103,000 $ 165,487 $ 81,000
Orange, Florida 459 $ 81,912,000 $ 178,457 $ 78,000
Palm Beach, Florida 452 $ 92,976,000 $ 205,699 $ 88,000
Suffolk, New York 442 $ 108,277,000 $ 244,970 $ 98,000
Mecklenburg, North Carolina 405 $ 62,744,000 $ 154,923 $ 84,000
Orange, California 402 $ 125,259,000 $ 311,589 $ 110,000
Fairfax, Virginia 391 $ 108,268,000 $ 276,900 $ 113,000
Gwinnett, Georgia 386 $ 59,655,000 $ 154,546 $ 80,000
Pima, Arizona 379 $ 62,495,000 $ 164,894 $ 79,000
Duval, Florida 367 $ 53,541,000 $ 145,888 $ 72,000
Sacramento, California 364 $ 80,281,000 $ 220,552 $ 85,000
Philadelphia, Pennsylvania 358 $ 49,886,000 $ 139,346 $ 66,000
King, Washington 350 $ 77,862,000 $ 222,462 $ 95,000
Fulton, Georgia 348 $ 57,843,000 $ 166,215 $ 93,000
Baltimore, Maryland 347 $ 61,519,000 $ 177,288 $ 73,000
Cobb, Georgia 342 $ 49,208,000 $ 143,883 $ 80,000
Montgomery, Pennsylvania 303 $ 51,442,000 $ 169,775 $ 82,000
Pinellas, Florida 301 $ 45,365,000 $ 150,714 $ 76,000
Wayne, Michigan 301 $ 35,882,000 $ 119,209 $ 71,000
Hartford, Connecticut 289 $ 48,037,000 $ 166,217 $ 83,000
Bernalillo, New Mexico 283 $ 40,426,000 $ 142,848 $ 72,000
Wake, North Carolina 272 $ 44,147,000 $ 162,305 $ 88,000
New Castle, Delaware 266 $ 44,614,000 $ 167,721 $ 83,000
Virginia Beach, Virginia 260 $ 48,480,000 $ 186,461 $ 72,000
Middlesex, Massachusetts 259 $ 52,984,000 $ 204,571 $ 134,000
Kern, California 255 $ 48,994,000 $ 192,133 $ 79,000
Nassau, New York 252 $ 66,971,000 $ 265,757 $ 100,000
DeKalb, Georgia 249 $ 37,434,000 $ 150,337 $ 81,000
St. Louis, Missouri 248 $ 33,207,000 $ 133,899 $ 68,000
Lee, Florida 247 $ 42,022,000 $ 170,129 $ 82,000
Anne Arundel, Maryland 247 $ 50,701,000 $ 205,267 $ 86,000
Prince William, Virginia 244 $ 65,234,000 $ 267,352 $ 102,000
Will, Illinois 242 $ 38,941,000 $ 160,913 $ 85,000
Jefferson, Alabama 241 $ 29,865,000 $ 123,921 $ 66,000
Oakland, Michigan 238 $ 38,276,000 $ 160,823 $ 80,000
Brevard, Florida 235 $ 33,106,000 $ 140,876 $ 75,000
Montgomery, Maryland 233 $ 56,225,000 $ 241,309 $ 108,000
Bucks, Pennsylvania 233 $ 44,705,000 $ 191,866 $ 91,000
New Haven, Connecticut 229 $ 38,768,000 $ 169,292 $ 76,000
Volusia, Florida 225 $ 34,276,000 $ 152,337 $ 77,000
DuPage, Illinois 223 $ 39,550,000 $ 177,354 $ 91,000
Seminole, Florida 219 $ 40,739,000 $ 186,022 $ 104,000
Fresno, California 218 $ 42,968,000 $ 197,100 $ 78,000
El Paso, Colorado 218 $ 29,261,000 $ 134,224 $ 74,000
Pasco, Florida 215 $ 32,753,000 $ 152,339 $ 89,000
Baltimore City, Maryland 212 $ 31,871,000 $ 150,334 $ 69,000
Polk, Florida 211 $ 31,628,000 $ 149,895 $ 64,000
Worcester, Massachusetts 211 $ 35,715,000 $ 169,265 $ 97,000
Contra Costa, California 208 $ 59,451,000 $ 285,822 $ 97,000
Johnson, Kansas 208 $ 28,584,000 $ 137,423 $ 84,000
Hennepin, Minnesota 206 $ 38,947,000 $ 189,063 $ 82,000
Jackson, Missouri 206 $ 24,204,000 $ 117,495 $ 71,000
Alameda, California 205 $ 58,907,000 $ 287,351 $ 109,000
Pierce, Washington 204 $ 41,590,000 $ 203,872 $ 76,000
Marion, Indiana 203 $ 22,910,000 $ 112,857 $ 75,000
Honolulu, Hawaii 201 $ 53,860,000 $ 267,960 $ 91,000
Multnomah, Oregon 201 $ 35,195,000 $ 175,099 $ 73,000
Shelby, Tennessee 200 $ 28,889,000 $ 144,445 $ 81,000
Burlington, New Jersey 199 $ 35,896,000 $ 180,381 $ 86,000
Allegheny, Pennsylvania 199 $ 23,091,000 $ 116,035 $ 101,000
Washoe, Nevada 197 $ 43,142,000 $ 218,994 $ 87,000
Chesterfield, Virginia 196 $ 29,825,000 $ 152,168 $ 81,000
Snohomish, Washington 195 $ 40,352,000 $ 206,933 $ 82,000
Delaware, Pennsylvania 194 $ 31,322,000 $ 161,453 $ 79,000
Arapahoe, Colorado 190 $ 29,812,000 $ 156,905 $ 71,000
Fairfield, Connecticut 189 $ 44,683,000 $ 236,417 $ 98,000
Ocean, New Jersey 189 $ 36,734,000 $ 194,359 $ 84,000
Camden, New Jersey 188 $ 26,348,000 $ 140,148 $ 76,000
Jefferson, Colorado 187 $ 29,400,000 $ 157,219 $ 78,000
Middlesex, New Jersey 187 $ 39,533,000 $ 211,406 $ 91,000
Monmouth, New Jersey 184 $ 44,823,000 $ 243,603 $ 104,000
Chester, Pennsylvania 182 $ 33,629,000 $ 184,774 $ 90,000
Orange, New York 171 $ 32,946,000 $ 192,666 $ 91,000
Pinal, Arizona 169 $ 27,575,000 $ 163,165 $ 76,000
York, Pennsylvania 169 $ 21,867,000 $ 129,390 $ 72,000
Oklahoma, Oklahoma 163 $ 17,216,000 $ 105,619 $ 78,000
Santa Clara, California 162 $ 51,644,000 $ 318,790 $ 110,000
Cherokee, Georgia 161 $ 22,797,000 $ 141,596 $ 80,000
Queens, New York 160 $ 42,126,000 $ 263,287 $ 80,000
Essex, Massachusetts 159 $ 31,538,000 $ 198,352 $ 92,000
Denver, Colorado 158 $ 24,689,000 $ 156,259 $ 89,000
Bergen, New Jersey 156 $ 41,354,000 $ 265,089 $ 101,000
Plymouth, Massachusetts 155 $ 28,430,000 $ 183,419 $ 96,000
St. Lucie, Florida 154 $ 24,459,000 $ 158,824 $ 77,000
Henrico, Virginia 154 $ 24,321,000 $ 157,928 $ 76,000
Anchorage, Alaska 152 $ 27,509,000 $ 180,980 $ 86,000
San Joaquin, California 151 $ 34,278,000 $ 227,006 $ 84,000
Adams, Colorado 151 $ 21,089,000 $ 139,662 $ 74,000
Hillsborough, New Hampshire 151 $ 27,198,000 $ 180,119 $ 83,000
Providence, Rhode Island 151 $ 27,644,000 $ 183,072 $ 80,000
Lake, Illinois 150 $ 27,840,000 $ 185,600 $ 94,000
Lake, Indiana 150 $ 19,511,000 $ 130,073 $ 72,000
Erie, New York 150 $ 16,199,000 $ 107,993 $ 69,000
Douglas, Colorado 147 $ 27,483,000 $ 186,959 $ 96,000
Davidson, Tennessee 147 $ 20,654,000 $ 140,503 $ 69,000
Macomb, Michigan 146 $ 16,543,000 $ 113,308 $ 81,000
Berks, Pennsylvania 146 $ 19,340,000 $ 132,465 $ 70,000
Stanislaus, California 144 $ 31,271,000 $ 217,159 $ 84,000
District of Columbia, District Of Columbia 144 $ 35,916,000 $ 249,416 $ 96,000
Hampden, Massachusetts 143 $ 18,691,000 $ 130,706 $ 68,000
Norfolk, Massachusetts 143 $ 28,947,000 $ 202,426 $ 87,000
Tulsa, Oklahoma 143 $ 15,322,000 $ 107,146 $ 81,000
Bristol, Massachusetts 140 $ 26,021,000 $ 185,864 $ 86,000
Northampton, Pennsylvania 139 $ 23,171,000 $ 166,697 $ 71,000
Greenville, South Carolina 139 $ 16,574,000 $ 119,237 $ 85,000
Osceola, Florida 138 $ 24,115,000 $ 174,746 $ 72,000
Monroe, Pennsylvania 134 $ 21,413,000 $ 159,798 $ 72,000
Ventura, California 133 $ 38,948,000 $ 292,842 $ 99,000
McHenry, Illinois 133 $ 20,105,000 $ 151,165 $ 90,000
Lancaster, Pennsylvania 133 $ 16,790,000 $ 126,240 $ 67,000
Frederick, Maryland 132 $ 28,461,000 $ 215,613 $ 89,000
St. Charles, Missouri 132 $ 19,269,000 $ 145,977 $ 82,000
Harris, Texas 132 $ 22,328,000 $ 169,151 $ 95,000
Tulare, California 131 $ 22,562,000 $ 172,229 $ 77,000
Lake, Florida 131 $ 21,527,000 $ 164,328 $ 70,000
Harford, Maryland 130 $ 26,531,000 $ 204,084 $ 78,000
Douglas, Nebraska 130 $ 14,015,000 $ 107,807 $ 78,000
Washington, Oregon 130 $ 25,752,000 $ 198,092 $ 77,000
East Baton Rouge, Louisiana 126 $ 17,792,000 $ 141,206 $ 75,000
Westchester, New York 126 $ 35,864,000 $ 284,634 $ 111,000
Chesapeake, Virginia 126 $ 21,523,000 $ 170,817 $ 71,000
Sarasota, Florida 125 $ 22,815,000 $ 182,520 $ 64,000
Lehigh, Pennsylvania 125 $ 18,460,000 $ 147,680 $ 67,000
Horry, South Carolina 125 $ 19,594,000 $ 156,752 $ 77,000
Solano, California 124 $ 33,126,000 $ 267,145 $ 102,000
Gloucester, New Jersey 123 $ 18,495,000 $ 150,365 $ 80,000
Loudoun, Virginia 123 $ 32,662,000 $ 265,544 $ 110,000
Spokane, Washington 123 $ 16,407,000 $ 133,390 $ 72,000
Howard, Maryland 122 $ 26,552,000 $ 217,639 $ 86,000
Marion, Florida 121 $ 17,251,000 $ 142,570 $ 65,000
Richmond, New York 121 $ 26,580,000 $ 219,669 $ 85,000
Dutchess, New York 119 $ 25,104,000 $ 210,957 $ 88,000
Rockingham, New Hampshire 118 $ 23,944,000 $ 202,915 $ 86,000
Morris, New Jersey 118 $ 29,405,000 $ 249,194 $ 98,000
Mobile, Alabama 117 $ 12,965,000 $ 110,811 $ 82,000
Clark, Washington 116 $ 20,115,000 $ 173,405 $ 73,000
Monroe, New York 115 $ 10,927,000 $ 95,017 $ 79,000
Onondaga, New York 115 $ 11,140,000 $ 96,869 $ 76,000
Sedgwick, Kansas 114 $ 12,140,000 $ 106,491 $ 74,000
Essex, New Jersey 113 $ 25,498,000 $ 225,646 $ 86,000
Mercer, New Jersey 113 $ 21,001,000 $ 185,849 $ 93,000
Escambia, Florida 112 $ 13,698,000 $ 122,303 $ 76,000
Baldwin, Alabama 111 $ 19,121,000 $ 172,261 $ 80,000
Forsyth, Georgia 111 $ 18,709,000 $ 168,549 $ 104,000
Hamilton, Indiana 110 $ 15,138,000 $ 137,618 $ 101,000
Union, New Jersey 110 $ 24,136,000 $ 219,418 $ 90,000
New London, Connecticut 109 $ 17,854,000 $ 163,798 $ 70,000
Kent, Delaware 108 $ 17,282,000 $ 160,018 $ 72,000
Collier, Florida 108 $ 24,762,000 $ 229,277 $ 83,000
Kane, Illinois 108 $ 20,057,000 $ 185,712 $ 88,000
Polk, Iowa 108 $ 12,047,000 $ 111,546 $ 73,000
Salt Lake, Utah 107 $ 13,569,000 $ 126,813 $ 68,000
Clackamas, Oregon 106 $ 20,785,000 $ 196,084 $ 77,000
Passaic, New Jersey 104 $ 23,035,000 $ 221,490 $ 85,000
Hawaii, Hawaii 103 $ 24,438,000 $ 237,262 $ 91,000
Union, North Carolina 103 $ 16,947,000 $ 164,533 $ 77,000
Madison, Alabama 102 $ 14,527,000 $ 142,421 $ 81,000
St. Tammany, Louisiana 101 $ 16,425,000 $ 162,623 $ 87,000
Atlantic, New Jersey 101 $ 17,611,000 $ 174,366 $ 92,000
Westmoreland, Pennsylvania 100 $ 11,041,000 $ 110,410 $ 75,000
Chatham, Georgia 99 $ 14,540,000 $ 146,868 $ 72,000
Clay, Florida 96 $ 11,842,000 $ 123,354 $ 75,000
Manatee, Florida 96 $ 16,598,000 $ 172,895 $ 78,000
Charles, Maryland 96 $ 22,241,000 $ 231,677 $ 97,000
Spotsylvania, Virginia 96 $ 20,565,000 $ 214,218 $ 92,000
Douglas, Georgia 95 $ 13,411,000 $ 141,168 $ 67,000
Clay, Missouri 95 $ 10,546,000 $ 111,010 $ 88,000
Sussex, New Jersey 95 $ 16,416,000 $ 172,800 $ 92,000
Kings, New York 95 $ 26,643,000 $ 280,452 $ 88,000
Marion, Oregon 95 $ 13,785,000 $ 145,105 $ 72,000
Mohave, Arizona 94 $ 17,050,000 $ 181,382 $ 79,000
Charleston, South Carolina 94 $ 15,396,000 $ 163,787 $ 73,000
Shelby, Alabama 93 $ 13,931,000 $ 149,795 $ 81,000
St. Johns, Florida 93 $ 18,156,000 $ 195,225 $ 82,000
Jefferson, Louisiana 93 $ 12,284,000 $ 132,086 $ 65,000
Sussex, Delaware 91 $ 16,972,000 $ 186,505 $ 77,000
Richland, South Carolina 91 $ 11,532,000 $ 126,725 $ 79,000
Hernando, Florida 90 $ 12,656,000 $ 140,622 $ 57,000
Suffolk, Massachusetts 90 $ 19,073,000 $ 211,922 $ 106,000
Rutherford, Tennessee 90 $ 12,243,000 $ 136,033 $ 67,000
Somerset, New Jersey 89 $ 18,139,000 $ 203,808 $ 100,000
Hamilton, Tennessee 89 $ 12,532,000 $ 140,808 $ 74,000
Larimer, Colorado 88 $ 13,462,000 $ 152,977 $ 73,000
Newport News, Virginia 87 $ 12,971,000 $ 149,091 $ 69,000
Henry, Georgia 86 $ 12,239,000 $ 142,313 $ 88,000
Saratoga, New York 86 $ 13,467,000 $ 156,593 $ 72,000
Milwaukee, Wisconsin 86 $ 9,236,000 $ 107,395 $ 65,000
Kent, Michigan 85 $ 10,443,000 $ 122,858 $ 66,000
Santa Rosa, Florida 84 $ 13,061,000 $ 155,488 $ 72,000
Carroll, Maryland 84 $ 20,087,000 $ 239,130 $ 87,000
Dakota, Minnesota 84 $ 14,476,000 $ 172,333 $ 79,000
Dauphin, Pennsylvania 84 $ 9,074,000 $ 108,023 $ 58,000
Clayton, Georgia 83 $ 9,924,000 $ 119,566 $ 54,000
York, South Carolina 83 $ 11,988,000 $ 144,433 $ 82,000
Stafford, Virginia 83 $ 21,735,000 $ 261,867 $ 105,000
Okaloosa, Florida 82 $ 12,123,000 $ 147,841 $ 78,000
Durham, North Carolina 82 $ 9,863,000 $ 120,280 $ 74,000
Lane, Oregon 82 $ 12,991,000 $ 158,426 $ 65,000
Benton, Arkansas 81 $ 14,043,000 $ 173,370 $ 75,000
Placer, California 81 $ 21,940,000 $ 270,864 $ 96,000
Cumberland, Maine 81 $ 11,811,000 $ 145,814 $ 73,000
Washtenaw, Michigan 81 $ 12,238,000 $ 151,086 $ 84,000
Leon, Florida 80 $ 11,347,000 $ 141,837 $ 79,000
Norfolk, Virginia 80 $ 11,837,000 $ 147,962 $ 72,000
Berkeley, West Virginia 80 $ 11,793,000 $ 147,412 $ 67,000
Buncombe, North Carolina 79 $ 12,974,000 $ 164,227 $ 72,000
Forsyth, North Carolina 78 $ 9,824,000 $ 125,948 $ 69,000
Yavapai, Arizona 77 $ 14,514,000 $ 188,493 $ 67,000
Weld, Colorado 77 $ 10,655,000 $ 138,376 $ 65,000
Cabarrus, North Carolina 76 $ 12,223,000 $ 160,828 $ 76,000
Albany, New York 75 $ 10,257,000 $ 136,760 $ 75,000
Boulder, Colorado 74 $ 14,617,000 $ 197,527 $ 88,000
Beaufort, South Carolina 74 $ 13,341,000 $ 180,283 $ 85,000
San Mateo, California 73 $ 28,294,000 $ 387,589 $ 135,000
York, Maine 73 $ 11,422,000 $ 156,465 $ 73,000
Ulster, New York 73 $ 12,340,000 $ 169,041 $ 80,000
Cecil, Maryland 72 $ 13,885,000 $ 192,847 $ 82,000
Barnstable, Massachusetts 72 $ 15,446,000 $ 214,527 $ 83,000
Guilford, North Carolina 72 $ 9,926,000 $ 137,861 $ 75,000
Dorchester, South Carolina 72 $ 10,448,000 $ 145,111 $ 81,000
Porter, Indiana 71 $ 9,507,000 $ 133,901 $ 77,000
Yellowstone, Montana 71 $ 9,282,000 $ 130,732 $ 83,000
Sandoval, New Mexico 71 $ 11,040,000 $ 155,492 $ 75,000
Genesee, Michigan 70 $ 8,345,000 $ 119,214 $ 90,000
Cleveland, Oklahoma 70 $ 8,891,000 $ 127,014 $ 86,000
Spartanburg, South Carolina 70 $ 7,660,000 $ 109,428 $ 109,000
Ramsey, Minnesota 69 $ 12,907,000 $ 187,057 $ 72,000
Harrison, Mississippi 69 $ 10,069,000 $ 145,927 $ 67,000
Knox, Tennessee 69 $ 10,231,000 $ 148,275 $ 73,000
Windham, Connecticut 68 $ 10,413,000 $ 153,132 $ 65,000
Alachua, Florida 68 $ 11,081,000 $ 162,955 $ 76,000
Paulding, Georgia 68 $ 8,475,000 $ 124,632 $ 70,000
Ada, Idaho 68 $ 9,542,000 $ 140,323 $ 78,000
Jefferson, Missouri 68 $ 8,663,000 $ 127,397 $ 76,000
Hudson, New Jersey 68 $ 16,462,000 $ 242,088 $ 96,000
Dona Ana, New Mexico 68 $ 9,874,000 $ 145,205 $ 77,000
New Hanover, North Carolina 68 $ 13,293,000 $ 195,485 $ 81,000
El Dorado, California 67 $ 16,709,000 $ 249,388 $ 82,000
St. Louis City, Missouri 67 $ 8,714,000 $ 130,059 $ 60,000
Luzerne, Pennsylvania 66 $ 8,605,000 $ 130,378 $ 70,000
Sonoma, California 65 $ 19,591,000 $ 301,400 $ 104,000
Calvert, Maryland 65 $ 14,745,000 $ 226,846 $ 91,000
Butte, California 64 $ 12,847,000 $ 200,734 $ 83,000
Greene, Missouri 64 $ 7,675,000 $ 119,921 $ 71,000
Merrimack, New Hampshire 64 $ 11,330,000 $ 177,031 $ 71,000
Franklin, Pennsylvania 64 $ 10,044,000 $ 156,937 $ 65,000
Lexington, South Carolina 64 $ 8,323,000 $ 130,046 $ 74,000
Bay, Florida 63 $ 10,400,000 $ 165,079 $ 81,000
Anoka, Minnesota 63 $ 10,406,000 $ 165,174 $ 72,000
Sarpy, Nebraska 63 $ 6,833,000 $ 108,460 $ 68,000
Williamson, Tennessee 63 $ 13,083,000 $ 207,666 $ 81,000
Charlotte, Florida 62 $ 12,279,000 $ 198,048 $ 66,000
St. Mary's, Maryland 62 $ 13,160,000 $ 212,258 $ 96,000
Berkeley, South Carolina 62 $ 7,159,000 $ 115,467 $ 71,000
Suffolk, Virginia 62 $ 10,068,000 $ 162,387 $ 70,000
Middlesex, Connecticut 61 $ 11,303,000 $ 185,295 $ 86,000
Washington, Maryland 61 $ 10,960,000 $ 179,672 $ 70,000
Cumberland, North Carolina 61 $ 6,490,000 $ 106,393 $ 82,000
Thurston, Washington 61 $ 10,348,000 $ 169,639 $ 84,000
Litchfield, Connecticut 60 $ 12,535,000 $ 208,916 $ 90,000
Madison, Illinois 60 $ 7,513,000 $ 125,216 $ 82,000
DeSoto, Mississippi 60 $ 7,222,000 $ 120,366 $ 71,000
Rensselaer, New York 60 $ 7,570,000 $ 126,166 $ 83,000
Cumberland, Pennsylvania 60 $ 8,400,000 $ 140,000 $ 77,000
Hendricks, Indiana 59 $ 7,743,000 $ 131,237 $ 74,000
Strafford, New Hampshire 59 $ 10,015,000 $ 169,745 $ 84,000
Kent, Rhode Island 59 $ 9,710,000 $ 164,576 $ 69,000
Hanover, Virginia 59 $ 9,869,000 $ 167,271 $ 77,000
Winnebago, Illinois 58 $ 5,669,000 $ 97,741 $ 78,000
Lancaster, Nebraska 58 $ 4,958,000 $ 85,482 $ 102,000
Deschutes, Oregon 58 $ 12,117,000 $ 208,913 $ 72,000
Richmond City, Virginia 58 $ 7,783,000 $ 134,189 $ 65,000
Dane, Wisconsin 58 $ 7,161,000 $ 123,465 $ 73,000
Fayette, Georgia 57 $ 10,646,000 $ 186,771 $ 117,000
St. Clair, Illinois 57 $ 7,248,000 $ 127,157 $ 87,000
Bronx, New York 57 $ 13,522,000 $ 237,228 $ 100,000
Kitsap, Washington 57 $ 11,286,000 $ 198,000 $ 80,000
Rockland, New York 56 $ 12,960,000 $ 231,428 $ 103,000
Jackson, Oregon 56 $ 10,023,000 $ 178,982 $ 63,000
Pulaski, Arkansas 55 $ 9,966,000 $ 181,200 $ 89,000
Coweta, Georgia 55 $ 7,798,000 $ 141,781 $ 77,000
Putnam, New York 55 $ 12,720,000 $ 231,272 $ 91,000
Pike, Pennsylvania 55 $ 8,259,000 $ 150,163 $ 80,000
Utah, Utah 55 $ 7,160,000 $ 130,181 $ 74,000
Columbia, Georgia 54 $ 6,513,000 $ 120,611 $ 80,000
Hall, Georgia 54 $ 8,281,000 $ 153,351 $ 74,000
Johnston, North Carolina 54 $ 6,660,000 $ 123,333 $ 63,000
Montgomery, Tennessee 54 $ 6,142,000 $ 113,740 $ 68,000
Newton, Georgia 53 $ 7,078,000 $ 133,547 $ 76,000
Hampton, Virginia 53 $ 8,384,000 $ 158,188 $ 62,000
Mesa, Colorado 52 $ 6,927,000 $ 133,211 $ 63,000
Santa Fe, New Mexico 52 $ 10,333,000 $ 198,711 $ 65,000
Dallas, Texas 52 $ 8,263,000 $ 158,903 $ 97,000
Shasta, California 51 $ 8,792,000 $ 172,392 $ 69,000
Arlington, Virginia 51 $ 15,644,000 $ 306,745 $ 127,000
Jefferson, Kentucky 50 $ 4,889,000 $ 97,780 $ 63,000
Hinds, Mississippi 50 $ 5,324,000 $ 106,480 $ 69,000
Iredell, North Carolina 50 $ 7,897,000 $ 157,940 $ 72,000
Sumner, Tennessee 50 $ 6,960,000 $ 139,200 $ 80,000
Tarrant, Texas 50 $ 9,234,000 $ 184,680 $ 94,000
Washington, Arkansas 49 $ 7,863,000 $ 160,469 $ 69,000
Muscogee, Georgia 49 $ 6,181,000 $ 126,142 $ 82,000
Jackson, Mississippi 49 $ 6,098,000 $ 124,448 $ 93,000
Adams, Pennsylvania 49 $ 7,064,000 $ 144,163 $ 92,000
Lackawanna, Pennsylvania 49 $ 4,951,000 $ 101,040 $ 82,000
Cochise, Arizona 48 $ 6,929,000 $ 144,354 $ 88,000
Merced, California 48 $ 10,537,000 $ 219,520 $ 72,000
Tolland, Connecticut 48 $ 7,654,000 $ 159,458 $ 75,000
Citrus, Florida 48 $ 7,509,000 $ 156,437 $ 59,000
Martin, Florida 48 $ 9,660,000 $ 201,250 $ 110,000
Houston, Georgia 48 $ 5,623,000 $ 117,145 $ 70,000
Cumberland, New Jersey 48 $ 5,871,000 $ 122,312 $ 64,000
Hunterdon, New Jersey 48 $ 10,306,000 $ 214,708 $ 109,000
Alexandria, Virginia 48 $ 12,633,000 $ 263,187 $ 108,000
Waukesha, Wisconsin 48 $ 7,938,000 $ 165,375 $ 75,000
Matanuska-Susitna, Alaska 47 $ 7,221,000 $ 153,638 $ 83,000
Flagler, Florida 47 $ 7,741,000 $ 164,702 $ 61,000
Yuma, Arizona 46 $ 6,570,000 $ 142,826 $ 55,000
Lafayette, Louisiana 46 $ 5,940,000 $ 129,130 $ 77,000
Beaver, Pennsylvania 46 $ 4,347,000 $ 94,500 $ 86,000
Erie, Pennsylvania 46 $ 4,144,000 $ 90,086 $ 65,000
Washington, Pennsylvania 46 $ 7,417,000 $ 161,239 $ 157,000
Laramie, Wyoming 46 $ 4,798,000 $ 104,304 $ 68,000
Carroll, Georgia 45 $ 5,253,000 $ 116,733 $ 64,000
Kendall, Illinois 45 $ 7,478,000 $ 166,177 $ 70,000
Johnson, Indiana 45 $ 4,650,000 $ 103,333 $ 75,000
Orleans, Louisiana 45 $ 7,414,000 $ 164,755 $ 81,000
Livingston, Michigan 45 $ 6,949,000 $ 154,422 $ 84,000
Ottawa, Michigan 45 $ 6,975,000 $ 155,000 $ 72,000
Washington, Minnesota 44 $ 9,019,000 $ 204,977 $ 84,000
Warren, New Jersey 44 $ 7,937,000 $ 180,386 $ 85,000
Niagara, New York 44 $ 4,420,000 $ 100,454 $ 71,000
Wilson, Tennessee 44 $ 7,934,000 $ 180,318 $ 69,000
Coconino, Arizona 43 $ 7,923,000 $ 184,255 $ 73,000
Madera, California 43 $ 9,525,000 $ 221,511 $ 93,000
San Francisco, California 43 $ 16,897,000 $ 392,953 $ 117,000
Pueblo, Colorado 43 $ 5,190,000 $ 120,697 $ 73,000
Wicomico, Maryland 43 $ 5,977,000 $ 139,000 $ 90,000
Lyon, Nevada 43 $ 6,884,000 $ 160,093 $ 73,000
Benton, Washington 43 $ 5,400,000 $ 125,581 $ 105,000
Allen, Indiana 42 $ 3,589,000 $ 85,452 $ 57,000
Cape May, New Jersey 42 $ 7,586,000 $ 180,619 $ 85,000
San Juan, New Mexico 42 $ 5,917,000 $ 140,880 $ 80,000
Bexar, Texas 42 $ 6,719,000 $ 159,976 $ 78,000
San Luis Obispo, California 41 $ 12,046,000 $ 293,804 $ 85,000
Yolo, California 41 $ 8,638,000 $ 210,682 $ 88,000
Ascension, Louisiana 41 $ 6,276,000 $ 153,073 $ 78,000
Butler, Pennsylvania 41 $ 4,811,000 $ 117,341 $ 82,000
Washington, Rhode Island 41 $ 8,337,000 $ 203,341 $ 90,000
Santa Barbara, California 40 $ 12,103,000 $ 302,575 $ 97,000
Elkhart, Indiana 40 $ 5,055,000 $ 126,375 $ 65,000
St. Joseph, Indiana 40 $ 3,647,000 $ 91,175 $ 68,000
Livingston, Louisiana 40 $ 4,513,000 $ 112,825 $ 66,000
Sullivan, New York 40 $ 6,686,000 $ 167,150 $ 74,000
Imperial, California 39 $ 7,218,000 $ 185,076 $ 90,000
Caddo, Louisiana 39 $ 4,732,000 $ 121,333 $ 78,000
Kennebec, Maine 39 $ 5,584,000 $ 143,179 $ 84,000
St. Louis, Minnesota 39 $ 4,771,000 $ 122,333 $ 89,000
Gaston, North Carolina 39 $ 5,333,000 $ 136,743 $ 77,000
Anderson, South Carolina 39 $ 5,940,000 $ 152,307 $ 76,000
Portsmouth, Virginia 39 $ 5,323,000 $ 136,487 $ 56,000
Navajo, Arizona 38 $ 5,757,000 $ 151,500 $ 71,000
Maui, Hawaii 38 $ 11,334,000 $ 298,263 $ 89,000
James City, Virginia 38 $ 5,662,000 $ 149,000 $ 74,000
Whatcom, Washington 38 $ 6,742,000 $ 177,421 $ 73,000
Indian River, Florida 37 $ 4,901,000 $ 132,459 $ 59,000
Nassau, Florida 37 $ 6,135,000 $ 165,810 $ 89,000
Rockdale, Georgia 37 $ 5,604,000 $ 151,459 $ 65,000
DeKalb, Illinois 37 $ 4,970,000 $ 134,324 $ 70,000
Jackson, Michigan 37 $ 4,662,000 $ 126,000 $ 67,000
Oneida, New York 37 $ 4,053,000 $ 109,540 $ 63,000
Canadian, Oklahoma 37 $ 3,731,000 $ 100,837 $ 67,000
Chittenden, Vermont 37 $ 6,743,000 $ 182,243 $ 84,000
Kanawha, West Virginia 37 $ 4,497,000 $ 121,540 $ 65,000
Humboldt, California 36 $ 7,620,000 $ 211,666 $ 65,000
Sutter, California 36 $ 5,880,000 $ 163,333 $ 68,000
Walton, Georgia 36 $ 3,914,000 $ 108,722 $ 57,000
Ingham, Michigan 36 $ 4,807,000 $ 133,527 $ 70,000
Gallatin, Montana 36 $ 7,646,000 $ 212,388 $ 95,000
Linn, Oregon 36 $ 3,964,000 $ 110,111 $ 68,000
Jefferson, West Virginia 36 $ 7,207,000 $ 200,194 $ 89,000
Lee, Alabama 35 $ 4,702,000 $ 134,342 $ 90,000
Fairbanks North Star, Alaska 35 $ 5,150,000 $ 147,142 $ 75,000
Kings, California 35 $ 5,585,000 $ 159,571 $ 77,000
Berrien, Michigan 35 $ 5,051,000 $ 144,314 $ 94,000
Onslow, North Carolina 35 $ 4,272,000 $ 122,057 $ 67,000
Lebanon, Pennsylvania 35 $ 4,504,000 $ 128,685 $ 63,000
Skagit, Washington 35 $ 5,991,000 $ 171,171 $ 66,000
Worcester, Maryland 34 $ 7,048,000 $ 207,294 $ 85,000
Berkshire, Massachusetts 34 $ 6,357,000 $ 186,970 $ 75,000
Kalamazoo, Michigan 34 $ 3,369,000 $ 99,088 $ 69,000
Jefferson, New York 34 $ 3,984,000 $ 117,176 $ 65,000
Warren, New York 34 $ 5,604,000 $ 164,823 $ 76,000
Catawba, North Carolina 34 $ 4,187,000 $ 123,147 $ 85,000
Cass, North Dakota 34 $ 2,452,000 $ 72,117 $ 83,000
Aiken, South Carolina 34 $ 4,323,000 $ 127,147 $ 77,000
York, Virginia 34 $ 7,139,000 $ 209,970 $ 81,000
Kenosha, Wisconsin 34 $ 4,108,000 $ 120,823 $ 74,000
St. Clair, Alabama 33 $ 3,957,000 $ 119,909 $ 78,000
Kenai Peninsula, Alaska 33 $ 5,172,000 $ 156,727 $ 73,000
Highlands, Florida 33 $ 4,328,000 $ 131,151 $ 70,000
Hancock, Indiana 33 $ 4,557,000 $ 138,090 $ 81,000
Scott, Iowa 33 $ 3,287,000 $ 99,606 $ 99,000
Caroline, Maryland 33 $ 5,665,000 $ 171,666 $ 73,000
Schuylkill, Pennsylvania 33 $ 3,433,000 $ 104,030 $ 65,000
Blount, Tennessee 33 $ 4,554,000 $ 138,000 $ 58,000
Sevier, Tennessee 33 $ 4,724,000 $ 143,151 $ 54,000
Lenawee, Michigan 32 $ 3,299,000 $ 103,093 $ 78,000
Rankin, Mississippi 32 $ 4,379,000 $ 136,843 $ 81,000
Flathead, Montana 32 $ 5,653,000 $ 176,656 $ 66,000
Missoula, Montana 32 $ 4,998,000 $ 156,187 $ 65,000
Brunswick, North Carolina 32 $ 5,467,000 $ 170,843 $ 77,000
Henderson, North Carolina 32 $ 5,149,000 $ 160,906 $ 119,000
Douglas, Oregon 32 $ 4,855,000 $ 151,718 $ 68,000
Collin, Texas 32 $ 5,549,000 $ 173,406 $ 98,000
Fauquier, Virginia 32 $ 8,206,000 $ 256,437 $ 95,000
Frederick, Virginia 32 $ 5,850,000 $ 182,812 $ 85,000
Pottawattamie, Iowa 31 $ 3,566,000 $ 115,032 $ 56,000
Tangipahoa, Louisiana 31 $ 3,509,000 $ 113,193 $ 78,000
Monroe, Michigan 31 $ 4,174,000 $ 134,645 $ 75,000
Boone, Missouri 31 $ 4,186,000 $ 135,032 $ 72,000
Roanoke, Virginia 31 $ 4,505,000 $ 145,322 $ 66,000
Sumter, Florida 30 $ 4,054,000 $ 135,133 $ 49,000
Linn, Iowa 30 $ 2,960,000 $ 98,666 $ 70,000
Queen Anne's, Maryland 30 $ 6,453,000 $ 215,100 $ 82,000
St. Clair, Michigan 30 $ 3,305,000 $ 110,166 $ 52,000
Cass, Missouri 30 $ 2,801,000 $ 93,366 $ 63,000
Lewis and Clark, Montana 30 $ 4,555,000 $ 151,833 $ 65,000
Douglas, Nevada 30 $ 8,105,000 $ 270,166 $ 89,000
Valencia, New Mexico 30 $ 4,797,000 $ 159,900 $ 65,000
Schenectady, New York 30 $ 4,161,000 $ 138,700 $ 64,000
Montgomery, Alabama 29 $ 2,885,000 $ 99,482 $ 73,000
Marin, California 29 $ 8,933,000 $ 308,034 $ 101,000
Monterey, California 29 $ 8,431,000 $ 290,724 $ 91,000
Nevada, California 29 $ 6,620,000 $ 228,275 $ 81,000
Hampshire, Massachusetts 29 $ 4,193,000 $ 144,586 $ 84,000
Broome, New York 29 $ 3,263,000 $ 112,517 $ 64,000
Craven, North Carolina 29 $ 3,350,000 $ 115,517 $ 76,000
Pickens, South Carolina 29 $ 4,294,000 $ 148,068 $ 73,000
Travis, Texas 29 $ 6,309,000 $ 217,551 $ 84,000
Windsor, Vermont 29 $ 5,119,000 $ 176,517 $ 134,000
Natrona, Wyoming 29 $ 3,660,000 $ 126,206 $ 77,000
Elmore, Alabama 28 $ 3,754,000 $ 134,071 $ 79,000
Saline, Arkansas 28 $ 4,253,000 $ 151,892 $ 71,000
McLean, Illinois 28 $ 3,356,000 $ 119,857 $ 88,000
Monroe, Indiana 28 $ 3,149,000 $ 112,464 $ 85,000
Androscoggin, Maine 28 $ 3,604,000 $ 128,714 $ 70,000
Penobscot, Maine 28 $ 3,049,000 $ 108,892 $ 65,000
Carver, Minnesota 28 $ 5,338,000 $ 190,642 $ 89,000
New York, New York 28 $ 11,299,000 $ 403,535 $ 141,000
Bradley, Tennessee 28 $ 4,585,000 $ 163,750 $ 77,000
Augusta, Virginia 28 $ 5,008,000 $ 178,857 $ 73,000
Tuscaloosa, Alabama 27 $ 3,659,000 $ 135,518 $ 83,000
Santa Cruz, California 27 $ 9,043,000 $ 334,925 $ 97,000
Catoosa, Georgia 27 $ 3,309,000 $ 122,555 $ 68,000
Tippecanoe, Indiana 27 $ 3,142,000 $ 116,370 $ 67,000
Leavenworth, Kansas 27 $ 3,637,000 $ 134,703 $ 166,000
Grafton, New Hampshire 27 $ 3,860,000 $ 142,962 $ 63,000
Cuyahoga, Ohio 27 $ 1,924,000 $ 71,259 $ 74,000
Franklin, Ohio 27 $ 2,474,000 $ 91,629 $ 73,000
Yamhill, Oregon 27 $ 4,829,000 $ 178,851 $ 75,000
Carbon, Pennsylvania 27 $ 3,090,000 $ 114,444 $ 62,000
Montgomery, Texas 27 $ 5,172,000 $ 191,555 $ 102,000
Williamson, Texas 27 $ 4,499,000 $ 166,629 $ 76,000
Weber, Utah 27 $ 3,029,000 $ 112,185 $ 64,000
Houston, Alabama 26 $ 4,375,000 $ 168,269 $ 78,000
Walton, Florida 26 $ 5,546,000 $ 213,307 $ 84,000
Barrow, Georgia 26 $ 3,406,000 $ 131,000 $ 53,000
Richmond, Georgia 26 $ 2,323,000 $ 89,346 $ 68,000
Kootenai, Idaho 26 $ 4,356,000 $ 167,538 $ 66,000
LaPorte, Indiana 26 $ 3,805,000 $ 146,346 $ 78,000
Madison, Indiana 26 $ 2,168,000 $ 83,384 $ 63,000
Grand Traverse, Michigan 26 $ 3,731,000 $ 143,500 $ 85,000
Sherburne, Minnesota 26 $ 3,682,000 $ 141,615 $ 76,000
Wright, Minnesota 26 $ 4,581,000 $ 176,192 $ 86,000
Platte, Missouri 26 $ 3,733,000 $ 143,576 $ 90,000
Salem, New Jersey 26 $ 3,750,000 $ 144,230 $ 64,000
Alamance, North Carolina 26 $ 2,858,000 $ 109,923 $ 69,000
Polk, Oregon 26 $ 3,509,000 $ 134,961 $ 76,000
Mercer, Pennsylvania 26 $ 2,990,000 $ 115,000 $ 56,000
Fort Bend, Texas 26 $ 5,057,000 $ 194,500 $ 94,000
Davis, Utah 26 $ 3,536,000 $ 136,000 $ 66,000
Washington, Vermont 26 $ 3,707,000 $ 142,576 $ 58,000
Albemarle, Virginia 26 $ 5,964,000 $ 229,384 $ 94,000
Sebastian, Arkansas 25 $ 3,237,000 $ 129,480 $ 61,000
Glynn, Georgia 25 $ 4,056,000 $ 162,240 $ 86,000
Whitfield, Georgia 25 $ 2,914,000 $ 116,560 $ 70,000
Kauai, Hawaii 25 $ 8,426,000 $ 337,040 $ 101,000
Canyon, Idaho 25 $ 2,932,000 $ 117,280 $ 61,000
Clark, Indiana 25 $ 2,539,000 $ 101,560 $ 55,000
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Mortgage Loan Application Detail Totals for Home Loan Center in 2007

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 54,622 $9,128,389,000 $167,000 $1,300,000 $80,000 $6,000,000
Home Purchase 9,315 $1,800,682,000 $193,000 $1,788,000 $86,000 $1,200,000
Home Improvement 2,635 $443,043,000 $168,000 $915,000 $79,000 $600,000

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 44,242 $7,513,714,000 $169,000 $1,788,000 $82,000 $6,000,000
Not Provided 12,740 $2,064,623,000 $162,000 $1,300,000 $78,000 $4,950,000
Hispanic 3,901 $732,415,000 $187,000 $850,000 $78,000 $3,711,000
Black or African American 3,618 $615,562,000 $170,000 $868,000 $76,000 $2,100,000
Asian 1,405 $312,860,000 $222,000 $950,000 $93,000 $750,000
American Indian or Alaskan Native 361 $61,489,000 $170,000 $556,000 $77,000 $300,000
Native Hawaiian or Other Pacific Islander 305 $71,451,000 $234,000 $672,000 $82,000 $445,000
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) 66,279 $11,318,393,000 $170,000 $1,788,000 $81,000 $6,000,000
FHA-insured (Federal Housing Administration) 293 $53,721,000 $183,000 $372,000 $72,000 $226,000
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 32,088 $5,699,674,000 $177,000 $1,060,000 $82,000 $3,711,000
Application Withdrawn By Applicant 22,757 $3,498,774,000 $153,000 $1,788,000 $80,000 $6,000,000
Application Denied By Financial Institution 11,727 $2,173,666,000 $185,000 $1,300,000 $79,000 $1,200,000
Application Approved But Not Accepted 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
Collateral 6,196 $1,187,173,000 $191,000 $1,047,000 $82,000 $936,000
Other 1,401 $219,804,000 $156,000 $727,000 $84,000 $480,000
Credit History 1,175 $206,027,000 $175,000 $1,300,000 $70,000 $1,200,000
Debt-To-Income Ratio 983 $190,413,000 $193,000 $999,000 $70,000 $433,000
Insufficient Cash (Downpayment, Closing Cost) 765 $142,720,000 $186,000 $672,000 $78,000 $348,000
Unverifiable Information 472 $88,812,000 $188,000 $664,000 $80,000 $480,000
Credit Application Incomplete 213 $35,221,000 $165,000 $445,000 $74,000 $532,000
Employment History 108 $19,781,000 $183,000 $602,000 $75,000 $420,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Home Loan Center's 2007 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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