Home Loan Center Mortgage Lending & HMDA Data, 2008

In 2008, Home Loan Center of Irvine, CA reported 20,202 mortgage applications totaling $4.2 billion, down 70% from 2007. The average application was for $207,173, and applicants reported an average income of $83,183. 54% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (753), Washington-Arlington-Alexandria, DC-VA-MD-WV (597) and Phoenix-Mesa-Scottsdale, AZ (469) (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 20,202
Total Mortgage Loan Application Amount $4,185,318,000
Average Mortgage Loan Application Amount $207,173
Highest Mortgage Loan Application Amount $1,138,000
Average Applicant Income $83,183
Highest Applicant Income $1,994,000

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Act (HMDA) records Home Loan Center filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2008

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Maricopa, Arizona 424 $ 90,164,000 $ 212,650 $ 85,000
Los Angeles, California 421 $ 118,606,000 $ 281,724 $ 90,000
Clark, Nevada 237 $ 55,435,000 $ 233,902 $ 88,000
San Bernardino, California 197 $ 46,842,000 $ 237,776 $ 83,000
Riverside, California 184 $ 44,207,000 $ 240,255 $ 85,000
Orange, California 165 $ 50,651,000 $ 306,975 $ 113,000
San Diego, California 146 $ 39,849,000 $ 272,938 $ 96,000
Mecklenburg, North Carolina 144 $ 26,153,000 $ 181,618 $ 78,000
Gwinnett, Georgia 138 $ 25,747,000 $ 186,572 $ 81,000
Prince George's, Maryland 133 $ 33,957,000 $ 255,315 $ 95,000
Miami-Dade, Florida 130 $ 28,857,000 $ 221,976 $ 91,000
Cobb, Georgia 130 $ 25,782,000 $ 198,323 $ 88,000
Suffolk, New York 128 $ 36,210,000 $ 282,890 $ 103,000
Fairfax, Virginia 128 $ 36,292,000 $ 283,531 $ 107,000
Wake, North Carolina 121 $ 23,504,000 $ 194,247 $ 83,000
Broward, Florida 115 $ 24,133,000 $ 209,852 $ 84,000
Cook, Illinois 113 $ 21,577,000 $ 190,946 $ 78,000
Pima, Arizona 110 $ 21,212,000 $ 192,836 $ 78,000
Sacramento, California 101 $ 23,238,000 $ 230,079 $ 87,000
Hillsborough, Florida 101 $ 18,799,000 $ 186,128 $ 84,000
Orange, Florida 101 $ 20,239,000 $ 200,386 $ 77,000
DeKalb, Georgia 100 $ 17,919,000 $ 179,190 $ 78,000
Baltimore, Maryland 100 $ 22,403,000 $ 224,030 $ 82,000
Montgomery, Pennsylvania 100 $ 22,799,000 $ 227,990 $ 99,000
King, Washington 99 $ 26,930,000 $ 272,020 $ 95,000
Hartford, Connecticut 94 $ 19,736,000 $ 209,957 $ 87,000
Anne Arundel, Maryland 92 $ 23,671,000 $ 257,293 $ 98,000
Harris, Texas 91 $ 16,708,000 $ 183,604 $ 91,000
New Haven, Connecticut 89 $ 18,819,000 $ 211,449 $ 82,000
Fulton, Georgia 88 $ 19,348,000 $ 219,863 $ 100,000
Bernalillo, New Mexico 87 $ 16,047,000 $ 184,448 $ 75,000
Palm Beach, Florida 86 $ 18,872,000 $ 219,441 $ 86,000
Nassau, New York 85 $ 24,099,000 $ 283,517 $ 106,000
Philadelphia, Pennsylvania 82 $ 14,814,000 $ 180,658 $ 76,000
Virginia Beach, Virginia 82 $ 18,703,000 $ 228,085 $ 80,000
Shelby, Tennessee 81 $ 14,825,000 $ 183,024 $ 84,000
Pierce, Washington 81 $ 20,040,000 $ 247,407 $ 86,000
Pinellas, Florida 79 $ 13,561,000 $ 171,658 $ 75,000
Oakland, Michigan 79 $ 14,978,000 $ 189,594 $ 94,000
Bucks, Pennsylvania 79 $ 18,749,000 $ 237,329 $ 88,000
New Castle, Delaware 78 $ 15,919,000 $ 204,089 $ 75,000
Allegheny, Pennsylvania 78 $ 13,452,000 $ 172,461 $ 93,000
Montgomery, Maryland 76 $ 20,737,000 $ 272,855 $ 109,000
Chester, Pennsylvania 74 $ 19,823,000 $ 267,878 $ 108,000
St. Louis, Missouri 73 $ 14,147,000 $ 193,794 $ 92,000
Contra Costa, California 72 $ 20,510,000 $ 284,861 $ 94,000
Middlesex, Massachusetts 72 $ 17,390,000 $ 241,527 $ 92,000
Worcester, Massachusetts 71 $ 15,065,000 $ 212,183 $ 78,000
Multnomah, Oregon 70 $ 15,948,000 $ 227,828 $ 87,000
Lee, Florida 69 $ 13,761,000 $ 199,434 $ 86,000
Ocean, New Jersey 68 $ 15,986,000 $ 235,088 $ 81,000
Wayne, Michigan 67 $ 11,168,000 $ 166,686 $ 82,000
Monmouth, New Jersey 67 $ 17,882,000 $ 266,895 $ 105,000
Burlington, New Jersey 66 $ 14,860,000 $ 225,151 $ 88,000
Fresno, California 65 $ 13,977,000 $ 215,030 $ 87,000
Duval, Florida 65 $ 11,585,000 $ 178,230 $ 75,000
Johnson, Kansas 65 $ 11,655,000 $ 179,307 $ 92,000
Camden, New Jersey 65 $ 11,761,000 $ 180,938 $ 77,000
York, Pennsylvania 65 $ 12,995,000 $ 199,923 $ 80,000
Middlesex, New Jersey 64 $ 16,905,000 $ 264,140 $ 91,000
Chesterfield, Virginia 64 $ 13,702,000 $ 214,093 $ 79,000
Kern, California 63 $ 13,366,000 $ 212,158 $ 80,000
District of Columbia, District Of Columbia 62 $ 16,410,000 $ 264,677 $ 84,000
Baltimore City, Maryland 61 $ 11,486,000 $ 188,295 $ 84,000
Dallas, Texas 61 $ 10,373,000 $ 170,049 $ 84,000
Santa Clara, California 60 $ 19,690,000 $ 328,166 $ 118,000
Hillsborough, New Hampshire 60 $ 13,126,000 $ 218,766 $ 94,000
Erie, New York 60 $ 9,204,000 $ 153,400 $ 88,000
Tulsa, Oklahoma 60 $ 10,088,000 $ 168,133 $ 82,000
Delaware, Pennsylvania 60 $ 12,717,000 $ 211,950 $ 88,000
Fairfield, Connecticut 59 $ 15,941,000 $ 270,186 $ 99,000
Polk, Florida 59 $ 10,847,000 $ 183,847 $ 84,000
Volusia, Florida 59 $ 11,057,000 $ 187,406 $ 71,000
Snohomish, Washington 59 $ 15,035,000 $ 254,830 $ 81,000
Marion, Indiana 58 $ 8,710,000 $ 150,172 $ 76,000
Lake, Indiana 56 $ 10,131,000 $ 180,910 $ 77,000
Jefferson, Alabama 55 $ 9,760,000 $ 177,454 $ 73,000
Washoe, Nevada 54 $ 12,363,000 $ 228,944 $ 87,000
Seminole, Florida 53 $ 10,864,000 $ 204,981 $ 81,000
Hennepin, Minnesota 53 $ 11,299,000 $ 213,188 $ 79,000
Orange, New York 53 $ 13,002,000 $ 245,320 $ 90,000
Davidson, Tennessee 53 $ 8,882,000 $ 167,584 $ 82,000
Alameda, California 52 $ 16,768,000 $ 322,461 $ 108,000
Prince William, Virginia 52 $ 12,712,000 $ 244,461 $ 104,000
Anchorage, Alaska 51 $ 11,728,000 $ 229,960 $ 86,000
San Joaquin, California 51 $ 12,280,000 $ 240,784 $ 100,000
Honolulu, Hawaii 51 $ 17,399,000 $ 341,156 $ 114,000
Jackson, Missouri 51 $ 8,605,000 $ 168,725 $ 85,000
Knox, Tennessee 51 $ 10,254,000 $ 201,058 $ 69,000
Washington, Oregon 49 $ 11,128,000 $ 227,102 $ 89,000
Henrico, Virginia 49 $ 9,555,000 $ 195,000 $ 74,000
Howard, Maryland 48 $ 11,294,000 $ 235,291 $ 95,000
Horry, South Carolina 48 $ 8,644,000 $ 180,083 $ 87,000
Tarrant, Texas 48 $ 9,870,000 $ 205,625 $ 103,000
Ventura, California 47 $ 13,226,000 $ 281,404 $ 86,000
Norfolk, Massachusetts 47 $ 11,956,000 $ 254,382 $ 95,000
Gloucester, New Jersey 47 $ 10,435,000 $ 222,021 $ 95,000
Cherokee, Georgia 46 $ 8,796,000 $ 191,217 $ 84,000
Queens, New York 46 $ 13,014,000 $ 282,913 $ 81,000
Westchester, New York 46 $ 13,871,000 $ 301,543 $ 129,000
Pinal, Arizona 45 $ 8,163,000 $ 181,400 $ 78,000
Hudson, New Jersey 45 $ 11,073,000 $ 246,066 $ 95,000
Morris, New Jersey 45 $ 11,382,000 $ 252,933 $ 114,000
Dutchess, New York 45 $ 10,920,000 $ 242,666 $ 90,000
Saratoga, New York 45 $ 8,576,000 $ 190,577 $ 77,000
Jefferson, Colorado 44 $ 9,867,000 $ 224,250 $ 85,000
Bergen, New Jersey 44 $ 12,401,000 $ 281,840 $ 106,000
Essex, New Jersey 44 $ 12,721,000 $ 289,113 $ 114,000
El Paso, Colorado 43 $ 8,801,000 $ 204,674 $ 81,000
Essex, Massachusetts 43 $ 11,702,000 $ 272,139 $ 93,000
Lehigh, Pennsylvania 43 $ 8,892,000 $ 206,790 $ 83,000
Arapahoe, Colorado 42 $ 8,006,000 $ 190,619 $ 83,000
Brevard, Florida 42 $ 8,870,000 $ 211,190 $ 98,000
Frederick, Maryland 42 $ 10,770,000 $ 256,428 $ 101,000
Atlantic, New Jersey 42 $ 9,139,000 $ 217,595 $ 80,000
Lake, Florida 41 $ 7,947,000 $ 193,829 $ 75,000
Plymouth, Massachusetts 41 $ 10,439,000 $ 254,609 $ 94,000
Oklahoma, Oklahoma 41 $ 7,260,000 $ 177,073 $ 81,000
Lancaster, Pennsylvania 41 $ 7,320,000 $ 178,536 $ 73,000
Spokane, Washington 41 $ 8,240,000 $ 200,975 $ 66,000
Sussex, Delaware 40 $ 8,623,000 $ 215,575 $ 80,000
East Baton Rouge, Louisiana 40 $ 7,000,000 $ 175,000 $ 85,000
Jefferson, Louisiana 40 $ 6,610,000 $ 165,250 $ 74,000
Rockingham, New Hampshire 40 $ 10,140,000 $ 253,500 $ 95,000
Clark, Washington 40 $ 8,285,000 $ 207,125 $ 73,000
Mobile, Alabama 39 $ 5,591,000 $ 143,358 $ 66,000
Providence, Rhode Island 39 $ 7,417,000 $ 190,179 $ 63,000
Loudoun, Virginia 39 $ 11,248,000 $ 288,410 $ 106,000
Ramsey, Minnesota 38 $ 7,569,000 $ 199,184 $ 78,000
Greenville, South Carolina 38 $ 6,469,000 $ 170,236 $ 69,000
Madison, Alabama 37 $ 7,265,000 $ 196,351 $ 93,000
Sedgwick, Kansas 37 $ 5,882,000 $ 158,972 $ 87,000
Bristol, Massachusetts 37 $ 8,398,000 $ 226,972 $ 83,000
Somerset, New Jersey 37 $ 9,378,000 $ 253,459 $ 109,000
Chesapeake, Virginia 37 $ 8,559,000 $ 231,324 $ 83,000
Shelby, Alabama 36 $ 7,728,000 $ 214,666 $ 97,000
Tulare, California 36 $ 6,968,000 $ 193,555 $ 83,000
Denver, Colorado 36 $ 7,431,000 $ 206,416 $ 84,000
Henry, Georgia 36 $ 6,165,000 $ 171,250 $ 74,000
Lake, Illinois 36 $ 8,514,000 $ 236,500 $ 102,000
Union, New Jersey 36 $ 10,014,000 $ 278,166 $ 109,000
Stanislaus, California 35 $ 8,041,000 $ 229,742 $ 97,000
Douglas, Colorado 35 $ 8,914,000 $ 254,685 $ 98,000
Harford, Maryland 35 $ 7,998,000 $ 228,514 $ 93,000
St. Charles, Missouri 35 $ 6,279,000 $ 179,400 $ 70,000
Northampton, Pennsylvania 35 $ 7,131,000 $ 203,742 $ 86,000
Collin, Texas 35 $ 6,734,000 $ 192,400 $ 103,000
Cumberland, Maine 34 $ 7,758,000 $ 228,176 $ 83,000
Berks, Pennsylvania 34 $ 6,668,000 $ 196,117 $ 95,000
Fort Bend, Texas 34 $ 6,518,000 $ 191,705 $ 94,000
Newport News, Virginia 34 $ 5,861,000 $ 172,382 $ 77,000
Hampden, Massachusetts 33 $ 5,903,000 $ 178,878 $ 68,000
Clackamas, Oregon 33 $ 8,473,000 $ 256,757 $ 89,000
Solano, California 32 $ 8,478,000 $ 264,937 $ 93,000
New London, Connecticut 32 $ 6,761,000 $ 211,281 $ 73,000
Escambia, Florida 32 $ 6,482,000 $ 202,562 $ 90,000
Pasco, Florida 32 $ 5,939,000 $ 185,593 $ 77,000
Forsyth, Georgia 32 $ 6,776,000 $ 211,750 $ 96,000
Paulding, Georgia 32 $ 5,419,000 $ 169,343 $ 63,000
Carroll, Maryland 32 $ 7,977,000 $ 249,281 $ 99,000
Rutherford, Tennessee 32 $ 4,972,000 $ 155,375 $ 64,000
Passaic, New Jersey 31 $ 8,462,000 $ 272,967 $ 86,000
Sandoval, New Mexico 31 $ 5,745,000 $ 185,322 $ 71,000
Marion, Oregon 31 $ 5,398,000 $ 174,129 $ 61,000
Bexar, Texas 31 $ 5,032,000 $ 162,322 $ 79,000
Collier, Florida 30 $ 7,054,000 $ 235,133 $ 126,000
Sarasota, Florida 30 $ 6,338,000 $ 211,266 $ 89,000
Hamilton, Indiana 30 $ 5,640,000 $ 188,000 $ 81,000
Suffolk, Massachusetts 30 $ 8,434,000 $ 281,133 $ 102,000
Anoka, Minnesota 30 $ 5,751,000 $ 191,700 $ 81,000
Clay, Missouri 30 $ 4,720,000 $ 157,333 $ 68,000
Richmond, New York 30 $ 8,126,000 $ 270,866 $ 96,000
Richland, South Carolina 30 $ 5,064,000 $ 168,800 $ 78,000
Orleans, Louisiana 29 $ 5,658,000 $ 195,103 $ 73,000
Dakota, Minnesota 29 $ 6,193,000 $ 213,551 $ 82,000
Mohave, Arizona 28 $ 5,674,000 $ 202,642 $ 81,000
Adams, Colorado 28 $ 5,423,000 $ 193,678 $ 78,000
York, Maine 28 $ 5,599,000 $ 199,964 $ 69,000
Onondaga, New York 28 $ 4,160,000 $ 148,571 $ 87,000
Dauphin, Pennsylvania 28 $ 4,508,000 $ 161,000 $ 69,000
York, South Carolina 28 $ 6,038,000 $ 215,642 $ 75,000
Chatham, Georgia 27 $ 4,700,000 $ 174,074 $ 71,000
Albany, New York 27 $ 5,437,000 $ 201,370 $ 98,000
Ulster, New York 27 $ 5,905,000 $ 218,703 $ 79,000
Union, North Carolina 27 $ 5,936,000 $ 219,851 $ 91,000
Cumberland, Pennsylvania 27 $ 4,465,000 $ 165,370 $ 64,000
Charleston, South Carolina 27 $ 5,686,000 $ 210,592 $ 74,000
Yavapai, Arizona 26 $ 5,816,000 $ 223,692 $ 69,000
Clay, Florida 26 $ 5,496,000 $ 211,384 $ 81,000
Marion, Florida 26 $ 5,069,000 $ 194,961 $ 73,000
Osceola, Florida 26 $ 5,529,000 $ 212,653 $ 75,000
Porter, Indiana 26 $ 5,238,000 $ 201,461 $ 92,000
Polk, Iowa 26 $ 4,422,000 $ 170,076 $ 84,000
Charles, Maryland 26 $ 7,352,000 $ 282,769 $ 104,000
Macomb, Michigan 26 $ 4,057,000 $ 156,038 $ 66,000
Sussex, New Jersey 26 $ 6,015,000 $ 231,346 $ 83,000
Dona Ana, New Mexico 26 $ 4,451,000 $ 171,192 $ 72,000
Rockland, New York 26 $ 7,121,000 $ 273,884 $ 104,000
Cabarrus, North Carolina 26 $ 5,257,000 $ 202,192 $ 83,000
Lane, Oregon 26 $ 4,753,000 $ 182,807 $ 64,000
Lexington, South Carolina 26 $ 4,380,000 $ 168,461 $ 80,000
Hamilton, Tennessee 26 $ 4,481,000 $ 172,346 $ 68,000
Stafford, Virginia 26 $ 6,238,000 $ 239,923 $ 91,000
Baldwin, Alabama 25 $ 4,712,000 $ 188,480 $ 89,000
Kent, Delaware 25 $ 5,051,000 $ 202,040 $ 72,000
Will, Illinois 25 $ 6,313,000 $ 252,520 $ 104,000
Barnstable, Massachusetts 25 $ 6,329,000 $ 253,160 $ 84,000
Kings, New York 25 $ 8,491,000 $ 339,640 $ 102,000
Monroe, New York 25 $ 4,089,000 $ 163,560 $ 81,000
Forsyth, North Carolina 25 $ 3,585,000 $ 143,400 $ 73,000
Guilford, North Carolina 25 $ 4,714,000 $ 188,560 $ 83,000
Sonoma, California 24 $ 6,581,000 $ 274,208 $ 76,000
Larimer, Colorado 24 $ 4,972,000 $ 207,166 $ 76,000
Calvert, Maryland 24 $ 6,130,000 $ 255,416 $ 88,000
DeSoto, Mississippi 24 $ 3,909,000 $ 162,875 $ 75,000
Gallatin, Montana 24 $ 5,650,000 $ 235,416 $ 88,000
Douglas, Nebraska 24 $ 4,115,000 $ 171,458 $ 103,000
Cape May, New Jersey 24 $ 5,956,000 $ 248,166 $ 100,000
Santa Fe, New Mexico 24 $ 5,030,000 $ 209,583 $ 78,000
Arlington, Virginia 24 $ 6,778,000 $ 282,416 $ 122,000
Manatee, Florida 23 $ 4,522,000 $ 196,608 $ 75,000
Okaloosa, Florida 23 $ 4,956,000 $ 215,478 $ 102,000
St. Tammany, Louisiana 23 $ 4,226,000 $ 183,739 $ 79,000
St. Louis City, Missouri 23 $ 3,884,000 $ 168,869 $ 71,000
Strafford, New Hampshire 23 $ 4,236,000 $ 184,173 $ 81,000
Westmoreland, Pennsylvania 23 $ 4,165,000 $ 181,086 $ 80,000
Skagit, Washington 23 $ 5,145,000 $ 223,695 $ 68,000
San Luis Obispo, California 22 $ 6,530,000 $ 296,818 $ 87,000
Weld, Colorado 22 $ 4,303,000 $ 195,590 $ 84,000
Alachua, Florida 22 $ 4,182,000 $ 190,090 $ 85,000
Bay, Florida 22 $ 3,451,000 $ 156,863 $ 61,000
Citrus, Florida 22 $ 4,272,000 $ 194,181 $ 70,000
Calcasieu, Louisiana 22 $ 3,831,000 $ 174,136 $ 74,000
Cecil, Maryland 22 $ 4,586,000 $ 208,454 $ 81,000
Livingston, Michigan 22 $ 4,135,000 $ 187,954 $ 88,000
Greene, Missouri 22 $ 2,721,000 $ 123,681 $ 55,000
Warren, New Jersey 22 $ 4,649,000 $ 211,318 $ 79,000
Luzerne, Pennsylvania 22 $ 3,420,000 $ 155,454 $ 63,000
Coconino, Arizona 21 $ 4,322,000 $ 205,809 $ 73,000
San Mateo, California 21 $ 7,181,000 $ 341,952 $ 122,000
Leon, Florida 21 $ 4,453,000 $ 212,047 $ 85,000
Fayette, Georgia 21 $ 4,483,000 $ 213,476 $ 94,000
DuPage, Illinois 21 $ 4,789,000 $ 228,047 $ 103,000
Hendricks, Indiana 21 $ 3,059,000 $ 145,666 $ 72,000
Merrimack, New Hampshire 21 $ 4,445,000 $ 211,666 $ 99,000
Rensselaer, New York 21 $ 3,598,000 $ 171,333 $ 81,000
Cleveland, Oklahoma 21 $ 3,897,000 $ 185,571 $ 75,000
Monroe, Pennsylvania 21 $ 4,237,000 $ 201,761 $ 66,000
Washington, Rhode Island 21 $ 5,516,000 $ 262,666 $ 93,000
Beaufort, South Carolina 21 $ 3,968,000 $ 188,952 $ 87,000
Travis, Texas 21 $ 3,658,000 $ 174,190 $ 96,000
Alexandria, Virginia 21 $ 5,798,000 $ 276,095 $ 123,000
Norfolk, Virginia 21 $ 3,869,000 $ 184,238 $ 78,000
Yuma, Arizona 20 $ 3,564,000 $ 178,200 $ 67,000
Placer, California 20 $ 5,113,000 $ 255,650 $ 82,000
Boulder, Colorado 20 $ 4,598,000 $ 229,900 $ 109,000
Windham, Connecticut 20 $ 4,164,000 $ 208,200 $ 72,000
Santa Rosa, Florida 20 $ 3,822,000 $ 191,100 $ 97,000
Hall, Georgia 20 $ 3,795,000 $ 189,750 $ 70,000
Muscogee, Georgia 20 $ 3,039,000 $ 151,950 $ 58,000
Washington, Maryland 20 $ 4,736,000 $ 236,800 $ 93,000
Bronx, New York 20 $ 5,924,000 $ 296,200 $ 80,000
Johnston, North Carolina 20 $ 3,195,000 $ 159,750 $ 71,000
Deschutes, Oregon 20 $ 4,586,000 $ 229,300 $ 98,000
Adams, Pennsylvania 20 $ 4,349,000 $ 217,450 $ 68,000
Berkeley, South Carolina 20 $ 3,371,000 $ 168,550 $ 79,000
Brazoria, Texas 20 $ 3,111,000 $ 155,550 $ 75,000
Kitsap, Washington 20 $ 4,428,000 $ 221,400 $ 82,000
Thurston, Washington 20 $ 4,876,000 $ 243,800 $ 79,000
Berkeley, West Virginia 20 $ 4,186,000 $ 209,300 $ 74,000
Missoula, Montana 19 $ 3,749,000 $ 197,315 $ 72,000
Lancaster, Nebraska 19 $ 3,038,000 $ 159,894 $ 65,000
Iredell, North Carolina 19 $ 3,654,000 $ 192,315 $ 84,000
Denton, Texas 19 $ 3,663,000 $ 192,789 $ 84,000
Chittenden, Vermont 19 $ 4,051,000 $ 213,210 $ 76,000
Butte, California 18 $ 4,746,000 $ 263,666 $ 72,000
Merced, California 18 $ 3,234,000 $ 179,666 $ 79,000
Litchfield, Connecticut 18 $ 4,409,000 $ 244,944 $ 107,000
Clayton, Georgia 18 $ 2,464,000 $ 136,888 $ 60,000
Douglas, Georgia 18 $ 2,769,000 $ 153,833 $ 55,000
Hawaii, Hawaii 18 $ 4,679,000 $ 259,944 $ 82,000
Wyandotte, Kansas 18 $ 2,778,000 $ 154,333 $ 70,000
Ascension, Louisiana 18 $ 3,260,000 $ 181,111 $ 74,000
Hampshire, Massachusetts 18 $ 3,443,000 $ 191,277 $ 81,000
Washtenaw, Michigan 18 $ 3,256,000 $ 180,888 $ 85,000
Yellowstone, Montana 18 $ 3,132,000 $ 174,000 $ 68,000
Durham, North Carolina 18 $ 3,324,000 $ 184,666 $ 109,000
Douglas, Oregon 18 $ 2,971,000 $ 165,055 $ 58,000
Franklin, Pennsylvania 18 $ 3,079,000 $ 171,055 $ 64,000
Williamson, Tennessee 18 $ 4,084,000 $ 226,888 $ 83,000
Portsmouth, Virginia 18 $ 3,787,000 $ 210,388 $ 67,000
Richmond City, Virginia 18 $ 2,990,000 $ 166,111 $ 74,000
Milwaukee, Wisconsin 18 $ 3,346,000 $ 185,888 $ 74,000
Monterey, California 17 $ 4,395,000 $ 258,529 $ 94,000
Martin, Florida 17 $ 3,993,000 $ 234,882 $ 101,000
St. Lucie, Florida 17 $ 3,024,000 $ 177,882 $ 73,000
Elkhart, Indiana 17 $ 2,925,000 $ 172,058 $ 77,000
Monroe, Michigan 17 $ 2,813,000 $ 165,470 $ 94,000
Jackson, Mississippi 17 $ 2,816,000 $ 165,647 $ 72,000
Rankin, Mississippi 17 $ 2,987,000 $ 175,705 $ 71,000
Columbia, New York 17 $ 2,845,000 $ 167,352 $ 77,000
Buncombe, North Carolina 17 $ 3,113,000 $ 183,117 $ 75,000
Sumner, Tennessee 17 $ 2,954,000 $ 173,764 $ 65,000
Hampton, Virginia 17 $ 3,185,000 $ 187,352 $ 68,000
Laramie, Wyoming 17 $ 3,331,000 $ 195,941 $ 70,000
Madera, California 16 $ 3,111,000 $ 194,437 $ 71,000
San Francisco, California 16 $ 5,283,000 $ 330,187 $ 117,000
Santa Barbara, California 16 $ 4,756,000 $ 297,250 $ 91,000
Hernando, Florida 16 $ 2,768,000 $ 173,000 $ 73,000
Allen, Indiana 16 $ 2,424,000 $ 151,500 $ 85,000
St. Mary's, Maryland 16 $ 3,602,000 $ 225,125 $ 84,000
Kalamazoo, Michigan 16 $ 2,434,000 $ 152,125 $ 82,000
Belknap, New Hampshire 16 $ 3,257,000 $ 203,562 $ 76,000
Mercer, New Jersey 16 $ 3,613,000 $ 225,812 $ 81,000
Salem, New Jersey 16 $ 2,886,000 $ 180,375 $ 85,000
Schenectady, New York 16 $ 2,602,000 $ 162,625 $ 93,000
Sullivan, New York 16 $ 3,140,000 $ 196,250 $ 84,000
New Hanover, North Carolina 16 $ 3,328,000 $ 208,000 $ 106,000
Dorchester, South Carolina 16 $ 2,659,000 $ 166,187 $ 85,000
Whatcom, Washington 16 $ 4,193,000 $ 262,062 $ 76,000
Jefferson, West Virginia 16 $ 3,937,000 $ 246,062 $ 94,000
Waukesha, Wisconsin 16 $ 3,156,000 $ 197,250 $ 84,000
Natrona, Wyoming 16 $ 2,861,000 $ 178,812 $ 67,000
Cochise, Arizona 15 $ 2,522,000 $ 168,133 $ 84,000
El Dorado, California 15 $ 3,366,000 $ 224,400 $ 88,000
Mesa, Colorado 15 $ 3,016,000 $ 201,066 $ 64,000
Middlesex, Connecticut 15 $ 3,582,000 $ 238,800 $ 110,000
Carroll, Georgia 15 $ 2,509,000 $ 167,266 $ 80,000
Columbia, Georgia 15 $ 2,285,000 $ 152,333 $ 62,000
Shawnee, Kansas 15 $ 2,176,000 $ 145,066 $ 84,000
Lafayette, Louisiana 15 $ 2,904,000 $ 193,600 $ 91,000
Livingston, Louisiana 15 $ 2,349,000 $ 156,600 $ 74,000
Wicomico, Maryland 15 $ 3,138,000 $ 209,200 $ 68,000
Genesee, Michigan 15 $ 2,129,000 $ 141,933 $ 59,000
Jackson, Oregon 15 $ 2,942,000 $ 196,133 $ 72,000
Butler, Pennsylvania 15 $ 2,174,000 $ 144,933 $ 76,000
Pike, Pennsylvania 15 $ 2,781,000 $ 185,400 $ 72,000
Fauquier, Virginia 15 $ 3,737,000 $ 249,133 $ 78,000
Hanover, Virginia 15 $ 3,598,000 $ 239,866 $ 83,000
Kanawha, West Virginia 15 $ 2,300,000 $ 153,333 $ 70,000
Talladega, Alabama 14 $ 1,710,000 $ 122,142 $ 64,000
Humboldt, California 14 $ 3,470,000 $ 247,857 $ 78,000
St. Johns, Florida 14 $ 3,576,000 $ 255,428 $ 93,000
Johnson, Indiana 14 $ 2,128,000 $ 152,000 $ 60,000
Tangipahoa, Louisiana 14 $ 2,441,000 $ 174,357 $ 63,000
Kent, Michigan 14 $ 2,271,000 $ 162,214 $ 71,000
St. Clair, Michigan 14 $ 2,317,000 $ 165,500 $ 72,000
Scott, Minnesota 14 $ 3,128,000 $ 223,428 $ 84,000
Harrison, Mississippi 14 $ 2,269,000 $ 162,071 $ 65,000
Jefferson, Missouri 14 $ 2,383,000 $ 170,214 $ 69,000
Grafton, New Hampshire 14 $ 2,546,000 $ 181,857 $ 85,000
Hunterdon, New Jersey 14 $ 4,218,000 $ 301,285 $ 107,000
Henderson, North Carolina 14 $ 2,524,000 $ 180,285 $ 60,000
Onslow, North Carolina 14 $ 2,486,000 $ 177,571 $ 71,000
Pitt, North Carolina 14 $ 2,114,000 $ 151,000 $ 75,000
Randolph, North Carolina 14 $ 1,943,000 $ 138,785 $ 56,000
Linn, Oregon 14 $ 2,282,000 $ 163,000 $ 62,000
Yamhill, Oregon 14 $ 2,689,000 $ 192,071 $ 60,000
Lebanon, Pennsylvania 14 $ 2,220,000 $ 158,571 $ 64,000
Kent, Rhode Island 14 $ 2,933,000 $ 209,500 $ 88,000
Sevier, Tennessee 14 $ 2,052,000 $ 146,571 $ 50,000
Williamson, Texas 14 $ 2,556,000 $ 182,571 $ 93,000
Washington, Vermont 14 $ 2,415,000 $ 172,500 $ 81,000
James City, Virginia 14 $ 2,813,000 $ 200,928 $ 79,000
Spotsylvania, Virginia 14 $ 3,283,000 $ 234,500 $ 89,000
Tuscaloosa, Alabama 13 $ 2,318,000 $ 178,307 $ 102,000
Matanuska-Susitna, Alaska 13 $ 2,152,000 $ 165,538 $ 70,000
Napa, California 13 $ 4,293,000 $ 330,230 $ 112,000
Santa Cruz, California 13 $ 4,397,000 $ 338,230 $ 131,000
Charlotte, Florida 13 $ 2,348,000 $ 180,615 $ 57,000
Sumter, Florida 13 $ 2,471,000 $ 190,076 $ 76,000
Madison, Illinois 13 $ 2,112,000 $ 162,461 $ 75,000
Flathead, Montana 13 $ 3,119,000 $ 239,923 $ 76,000
Sarpy, Nebraska 13 $ 2,142,000 $ 164,769 $ 82,000
Cheshire, New Hampshire 13 $ 2,154,000 $ 165,692 $ 79,000
Niagara, New York 13 $ 1,996,000 $ 153,538 $ 84,000
Davidson, North Carolina 13 $ 2,009,000 $ 154,538 $ 61,000
Gaston, North Carolina 13 $ 2,371,000 $ 182,384 $ 71,000
Canadian, Oklahoma 13 $ 2,194,000 $ 168,769 $ 77,000
Benton, Oregon 13 $ 2,581,000 $ 198,538 $ 75,000
Washington, Pennsylvania 13 $ 2,139,000 $ 164,538 $ 72,000
Wayne, Pennsylvania 13 $ 2,284,000 $ 175,692 $ 71,000
Spartanburg, South Carolina 13 $ 1,754,000 $ 134,923 $ 75,000
Blount, Tennessee 13 $ 2,479,000 $ 190,692 $ 76,000
Wilson, Tennessee 13 $ 2,820,000 $ 216,923 $ 77,000
Rutland, Vermont 13 $ 1,957,000 $ 150,538 $ 56,000
Yakima, Washington 13 $ 2,183,000 $ 167,923 $ 70,000
Lee, Alabama 12 $ 2,144,000 $ 178,666 $ 91,000
Limestone, Alabama 12 $ 2,258,000 $ 188,166 $ 87,000
Morgan, Alabama 12 $ 2,100,000 $ 175,000 $ 92,000
Tolland, Connecticut 12 $ 2,811,000 $ 234,250 $ 99,000
Clarke, Georgia 12 $ 2,099,000 $ 174,916 $ 113,000
Newton, Georgia 12 $ 2,142,000 $ 178,500 $ 97,000
St. Clair, Illinois 12 $ 1,933,000 $ 161,083 $ 77,000
Winnebago, Illinois 12 $ 1,703,000 $ 141,916 $ 76,000
Hancock, Indiana 12 $ 1,846,000 $ 153,833 $ 81,000
Androscoggin, Maine 12 $ 1,951,000 $ 162,583 $ 63,000
Madison, Mississippi 12 $ 2,125,000 $ 177,083 $ 90,000
Cumberland, New Jersey 12 $ 2,298,000 $ 191,500 $ 70,000
Clinton, New York 12 $ 1,803,000 $ 150,250 $ 63,000
Oneida, New York 12 $ 1,952,000 $ 162,666 $ 84,000
Washington, New York 12 $ 2,197,000 $ 183,083 $ 76,000
Carteret, North Carolina 12 $ 2,605,000 $ 217,083 $ 91,000
Mercer, Pennsylvania 12 $ 1,802,000 $ 150,166 $ 84,000
Addison, Vermont 12 $ 2,515,000 $ 209,583 $ 97,000
Albemarle, Virginia 12 $ 2,958,000 $ 246,500 $ 112,000
Roanoke, Virginia 12 $ 2,249,000 $ 187,416 $ 64,000
Fairbanks North Star, Alaska 11 $ 2,222,000 $ 202,000 $ 109,000
Kings, California 11 $ 2,175,000 $ 197,727 $ 86,000
Coweta, Georgia 11 $ 2,000,000 $ 181,818 $ 88,000
McHenry, Illinois 11 $ 2,377,000 $ 216,090 $ 92,000
Clark, Indiana 11 $ 2,046,000 $ 186,000 $ 76,000
St. Joseph, Indiana 11 $ 1,738,000 $ 158,000 $ 71,000
Caddo, Louisiana 11 $ 1,606,000 $ 146,000 $ 73,000
Allegan, Michigan 11 $ 1,694,000 $ 154,000 $ 81,000
Ingham, Michigan 11 $ 1,821,000 $ 165,545 $ 84,000
Ottawa, Michigan 11 $ 1,882,000 $ 171,090 $ 98,000
Washington, Minnesota 11 $ 2,611,000 $ 237,363 $ 74,000
Pearl River, Mississippi 11 $ 1,841,000 $ 167,363 $ 67,000
Lewis and Clark, Montana 11 $ 2,220,000 $ 201,818 $ 67,000
Elko, Nevada 11 $ 2,666,000 $ 242,363 $ 105,000
Rogers, Oklahoma 11 $ 1,657,000 $ 150,636 $ 74,000
Schuylkill, Pennsylvania 11 $ 2,195,000 $ 199,545 $ 108,000
Windsor, Vermont 11 $ 1,969,000 $ 179,000 $ 81,000
Frederick, Virginia 11 $ 2,533,000 $ 230,272 $ 66,000
Powhatan, Virginia 11 $ 2,414,000 $ 219,454 $ 61,000
Suffolk, Virginia 11 $ 2,583,000 $ 234,818 $ 85,000
Benton, Washington 11 $ 1,838,000 $ 167,090 $ 104,000
Cowlitz, Washington 11 $ 2,552,000 $ 232,000 $ 82,000
Monongalia, West Virginia 11 $ 1,672,000 $ 152,000 $ 62,000
Montgomery, Alabama 10 $ 1,750,000 $ 175,000 $ 71,000
St. Clair, Alabama 10 $ 1,511,000 $ 151,100 $ 49,000
Navajo, Arizona 10 $ 1,867,000 $ 186,700 $ 80,000
Garfield, Colorado 10 $ 2,954,000 $ 295,400 $ 87,000
Walton, Florida 10 $ 2,292,000 $ 229,200 $ 126,000
Bryan, Georgia 10 $ 1,718,000 $ 171,800 $ 76,000
Walton, Georgia 10 $ 1,827,000 $ 182,700 $ 68,000
Floyd, Indiana 10 $ 1,758,000 $ 175,800 $ 87,000
Madison, Indiana 10 $ 1,481,000 $ 148,100 $ 69,000
Vanderburgh, Indiana 10 $ 1,778,000 $ 177,800 $ 74,000
Barry, Michigan 10 $ 1,580,000 $ 158,000 $ 73,000
Berrien, Michigan 10 $ 1,595,000 $ 159,500 $ 63,000
Clinton, Michigan 10 $ 2,390,000 $ 239,000 $ 92,000
Douglas, Nevada 10 $ 2,418,000 $ 241,800 $ 68,000
Putnam, New York 10 $ 2,544,000 $ 254,400 $ 82,000
Alamance, North Carolina 10 $ 1,586,000 $ 158,600 $ 68,000
Catawba, North Carolina 10 $ 2,025,000 $ 202,500 $ 72,000
Rowan, North Carolina 10 $ 1,386,000 $ 138,600 $ 77,000
Beaver, Pennsylvania 10 $ 1,574,000 $ 157,400 $ 72,000
Aiken, South Carolina 10 $ 1,717,000 $ 171,700 $ 77,000
Anderson, South Carolina 10 $ 2,057,000 $ 205,700 $ 83,000
Cumberland, Tennessee 10 $ 1,789,000 $ 178,900 $ 81,000
Galveston, Texas 10 $ 1,485,000 $ 148,500 $ 77,000
Montgomery, Texas 10 $ 2,304,000 $ 230,400 $ 80,000
Lamoille, Vermont 10 $ 1,884,000 $ 188,400 $ 88,000
Augusta, Virginia 10 $ 2,167,000 $ 216,700 $ 84,000
Fluvanna, Virginia 10 $ 2,002,000 $ 200,200 $ 66,000
Clallam, Washington 10 $ 2,057,000 $ 205,700 $ 71,000
Cabell, West Virginia 10 $ 1,684,000 $ 168,400 $ 71,000
Elmore, Alabama 9 $ 1,642,000 $ 182,444 $ 65,000
Etowah, Alabama 9 $ 1,109,000 $ 123,222 $ 48,000
Lake, California 9 $ 2,114,000 $ 234,888 $ 73,000
Marin, California 9 $ 3,520,000 $ 391,111 $ 163,000
Nevada, California 9 $ 2,285,000 $ 253,888 $ 127,000
Flagler, Florida 9 $ 1,919,000 $ 213,222 $ 81,000
Barrow, Georgia 9 $ 1,502,000 $ 166,888 $ 62,000
Bibb, Georgia 9 $ 1,443,000 $ 160,333 $ 89,000
Jackson, Georgia 9 $ 1,357,000 $ 150,777 $ 55,000
Lafourche, Louisiana 9 $ 1,509,000 $ 167,666 $ 90,000
Terrebonne, Louisiana 9 $ 1,705,000 $ 189,444 $ 74,000
Queen Anne's, Maryland 9 $ 2,363,000 $ 262,555 $ 82,000
Berkshire, Massachusetts 9 $ 1,844,000 $ 204,888 $ 70,000
Jackson, Michigan 9 $ 1,674,000 $ 186,000 $ 83,000
Marquette, Michigan 9 $ 1,234,000 $ 137,111 $ 54,000
Van Buren, Michigan 9 $ 1,326,000 $ 147,333 $ 80,000
Wright, Minnesota 9 $ 1,919,000 $ 213,222 $ 80,000
Christian, Missouri 9 $ 1,482,000 $ 164,666 $ 76,000
Carroll, New Hampshire 9 $ 1,723,000 $ 191,444 $ 60,000
Delaware, New York 9 $ 1,476,000 $ 164,000 $ 67,000
Franklin, New York 9 $ 1,625,000 $ 180,555 $ 89,000
Warren, New York 9 $ 2,023,000 $ 224,777 $ 103,000
Cumberland, North Carolina 9 $ 1,456,000 $ 161,777 $ 62,000
Lincoln, North Carolina 9 $ 1,500,000 $ 166,666 $ 78,000
Orange, North Carolina 9 $ 1,637,000 $ 181,888 $ 82,000
Klamath, Oregon 9 $ 2,334,000 $ 259,333 $ 80,000
Erie, Pennsylvania 9 $ 1,464,000 $ 162,666 $ 72,000
Lackawanna, Pennsylvania 9 $ 1,455,000 $ 161,666 $ 57,000
Bradley, Tennessee 9 $ 1,650,000 $ 183,333 $ 57,000
Sullivan, Tennessee 9 $ 1,191,000 $ 132,333 $ 67,000
Tipton, Tennessee 9 $ 1,421,000 $ 157,888 $ 56,000
Washington, Tennessee 9 $ 1,705,000 $ 189,444 $ 64,000
Hays, Texas 9 $ 1,566,000 $ 174,000 $ 87,000
Greene, Virginia 9 $ 2,063,000 $ 229,222 $ 65,000
Orange, Virginia 9 $ 1,961,000 $ 217,888 $ 74,000
Grays Harbor, Washington 9 $ 1,781,000 $ 197,888 $ 103,000
Putnam, West Virginia 9 $ 1,332,000 $ 148,000 $ 73,000
Raleigh, West Virginia 9 $ 1,223,000 $ 135,888 $ 60,000
Dane, Wisconsin 9 $ 1,762,000 $ 195,777 $ 72,000
Houston, Alabama 8 $ 1,518,000 $ 189,750 $ 91,000
Imperial, California 8 $ 1,787,000 $ 223,375 $ 103,000
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Mortgage Loan Application Detail Totals for Home Loan Center in 2008

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 15,840 $3,318,796,000 $209,000 $1,000,000 $83,000 $1,994,000
Home Purchase 3,646 $730,460,000 $200,000 $1,138,000 $85,000 $1,570,000
Home Improvement 716 $136,062,000 $190,000 $484,000 $78,000 $427,000

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 11,614 $2,349,343,000 $202,000 $1,000,000 $83,000 $1,994,000
Not Provided 6,532 $1,394,445,000 $213,000 $1,138,000 $85,000 $1,570,000
Hispanic 827 $178,057,000 $215,000 $547,000 $79,000 $332,000
Black or African American 703 $139,555,000 $198,000 $573,000 $76,000 $316,000
Asian 384 $92,732,000 $241,000 $621,000 $90,000 $362,000
American Indian or Alaskan Native 81 $17,021,000 $210,000 $400,000 $81,000 $205,000
Native Hawaiian or Other Pacific Islander 61 $14,165,000 $232,000 $417,000 $77,000 $260,000
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) 15,401 $3,253,333,000 $211,000 $1,138,000 $86,000 $1,570,000
FHA-insured (Federal Housing Administration) 4,801 $931,985,000 $194,000 $739,000 $74,000 $1,994,000
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 11,008 $2,206,869,000 $200,000 $705,000 $83,000 $744,000
Application Withdrawn By Applicant 5,029 $1,080,716,000 $214,000 $730,000 $87,000 $840,000
Application Denied By Financial Institution 4,165 $897,733,000 $215,000 $1,138,000 $80,000 $1,994,000
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 2,115 $455,130,000 $215,000 $1,138,000 $85,000 $1,994,000
Other 735 $163,806,000 $222,000 $1,000,000 $83,000 $450,000
Debt-To-Income Ratio 529 $116,072,000 $219,000 $689,000 $65,000 $420,000
Insufficient Cash (Downpayment, Closing Cost) 270 $59,353,000 $219,000 $573,000 $82,000 $274,000
Unverifiable Information 235 $48,747,000 $207,000 $739,000 $71,000 $325,000
Credit History 203 $39,660,000 $195,000 $408,000 $71,000 $300,000
Employment History 36 $6,878,000 $191,000 $488,000 $68,000 $170,000
Credit Application Incomplete 16 $2,967,000 $185,000 $308,000 $82,000 $176,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Home Loan Center's 2008 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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