Home Loan Center Mortgage Lending & HMDA Data, 2003
In 2003, Home Loan Center of Irvine, CA reported 21,732 mortgage applications totaling $3.3 billion. The average application was for $153,000, and applicants reported an average income of $106,959. 62% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Los Angeles-Long Beach, CA (1,706), Riverside-San Bernardino, CA (1,228) and Orange County, CA (1,179) (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 | 21,732 |
| Total Mortgage Loan Application Amount | $3,325,005,000 |
| Average Mortgage Loan Application Amount | $153,000 |
| Highest Mortgage Loan Application Amount | $2,600,000 |
| Average Applicant Income | $106,959 |
| Highest Applicant Income | $7,008,000 |
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Act (HMDA) records Home Loan Center filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles-Long Beach, CA | 1,706 | $ 342,093,000 | $ 200,523 | $ 124,000 |
| Riverside-San Bernardino, CA | 1,228 | $ 191,909,000 | $ 156,277 | $ 102,000 |
| Orange County, CA | 1,179 | $ 268,563,000 | $ 227,788 | $ 134,000 |
| San Diego, CA | 784 | $ 170,387,000 | $ 217,330 | $ 94,000 |
| Phoenix-Mesa, AZ | 731 | $ 92,722,000 | $ 126,842 | $ 97,000 |
| Sacramento, CA | 586 | $ 101,427,000 | $ 173,083 | $ 116,000 |
| Oakland, CA | 581 | $ 132,284,000 | $ 227,683 | $ 129,000 |
| Chicago, IL | 448 | $ 76,035,000 | $ 169,720 | $ 135,000 |
| Seattle-Bellevue-Everett, WA | 382 | $ 68,908,000 | $ 180,387 | $ 123,000 |
| Baltimore, MD | 364 | $ 39,732,000 | $ 109,153 | $ 118,000 |
| Portland-Vancouver, OR-WA | 353 | $ 52,253,000 | $ 148,025 | $ 111,000 |
| Denver, CO | 323 | $ 39,639,000 | $ 122,721 | $ 136,000 |
| San Francisco, CA | 290 | $ 81,850,000 | $ 282,241 | $ 148,000 |
| Detroit, MI | 287 | $ 27,549,000 | $ 95,989 | $ 111,000 |
| San Jose, CA | 285 | $ 73,761,000 | $ 258,810 | $ 129,000 |
| Ventura, CA | 276 | $ 56,770,000 | $ 205,688 | $ 151,000 |
| Orlando, FL | 264 | $ 25,790,000 | $ 97,689 | $ 88,000 |
| Tampa-St. Petersburg-Clearwater, FL | 252 | $ 23,885,000 | $ 94,781 | $ 85,000 |
| Las Vegas, NV-AZ | 235 | $ 30,454,000 | $ 129,591 | $ 92,000 |
| Norfolk-Virginia Beach-Newport News, VA-NC | 233 | $ 22,821,000 | $ 97,944 | $ 110,000 |
| Hartford, CT | 231 | $ 27,227,000 | $ 117,865 | $ 110,000 |
| Boston, MA-NH | 215 | $ 44,855,000 | $ 208,627 | $ 108,000 |
| Fort Lauderdale, FL | 197 | $ 21,384,000 | $ 108,548 | $ 163,000 |
| Vallejo-Fairfield-Napa, CA | 181 | $ 36,771,000 | $ 203,154 | $ 122,000 |
| Fresno, CA | 179 | $ 24,453,000 | $ 136,608 | $ 93,000 |
| Stockton-Lodi, CA | 172 | $ 30,700,000 | $ 178,488 | $ 90,000 |
| Richmond-Petersburg, VA | 167 | $ 16,769,000 | $ 100,413 | $ 78,000 |
| West Palm Beach-Boca Raton, FL | 154 | $ 17,343,000 | $ 112,616 | $ 62,000 |
| Jacksonville, FL | 150 | $ 14,462,000 | $ 96,413 | $ 92,000 |
| Miami, FL | 145 | $ 17,045,000 | $ 117,551 | $ 112,000 |
| Tucson, AZ | 142 | $ 14,843,000 | $ 104,528 | $ 114,000 |
| Bakersfield, CA | 128 | $ 14,090,000 | $ 110,078 | $ 84,000 |
| St. Louis, MO-IL | 117 | $ 8,002,000 | $ 68,393 | $ 141,000 |
| Modesto, CA | 116 | $ 16,823,000 | $ 145,025 | $ 74,000 |
| Santa Rosa, CA | 111 | $ 23,410,000 | $ 210,900 | $ 89,000 |
| Albuquerque, NM | 106 | $ 10,221,000 | $ 96,424 | $ 80,000 |
| Bridgeport, CT | 102 | $ 15,643,000 | $ 153,362 | $ 117,000 |
| New Haven-Meriden, CT | 97 | $ 14,948,000 | $ 154,103 | $ 111,000 |
| Reno, NV | 90 | $ 12,182,000 | $ 135,355 | $ 152,000 |
| Santa Barbara-Santa Maria-Lompoc, CA | 89 | $ 19,923,000 | $ 223,853 | $ 161,000 |
| Boise City, ID | 86 | $ 9,026,000 | $ 104,953 | $ 64,000 |
| Colorado Springs, CO | 83 | $ 8,011,000 | $ 96,518 | $ 84,000 |
| Providence-Fall River-Warwick, RI-MA | 79 | $ 11,384,000 | $ 144,101 | $ 95,000 |
| Salt Lake City-Ogden, UT | 79 | $ 11,857,000 | $ 150,088 | $ 138,000 |
| Milwaukee-Waukesha, WI | 75 | $ 6,218,000 | $ 82,906 | $ 101,000 |
| Cleveland-Lorain-Elyria, OH | 74 | $ 10,788,000 | $ 145,783 | $ 166,000 |
| Kansas City, MO-KS | 74 | $ 4,149,000 | $ 56,067 | $ 93,000 |
| Melbourne-Titusville-Palm Bay, FL | 74 | $ 6,272,000 | $ 84,756 | $ 101,000 |
| Sarasota-Bradenton, FL | 74 | $ 7,034,000 | $ 95,054 | $ 84,000 |
| Tacoma, WA | 73 | $ 10,190,000 | $ 139,589 | $ 105,000 |
| San Luis Obispo-Atascadero-Paso Robles, CA | 72 | $ 14,959,000 | $ 207,763 | $ 95,000 |
| Stamford-Norwalk, CT | 71 | $ 17,597,000 | $ 247,845 | $ 137,000 |
| Salinas, CA | 70 | $ 16,247,000 | $ 232,100 | $ 188,000 |
| Santa Cruz-Watsonville, CA | 70 | $ 18,034,000 | $ 257,628 | $ 220,000 |
| Boulder-Longmont, CO | 65 | $ 11,927,000 | $ 183,492 | $ 127,000 |
| Columbus, OH | 64 | $ 8,363,000 | $ 130,671 | $ 101,000 |
| Des Moines, IA | 63 | $ 4,086,000 | $ 64,857 | $ 82,000 |
| Indianapolis, IN | 63 | $ 10,064,000 | $ 159,746 | $ 132,000 |
| Wilmington-Newark, DE-MD | 62 | $ 8,180,000 | $ 131,935 | $ 103,000 |
| Danbury, CT | 61 | $ 11,526,000 | $ 188,950 | $ 130,000 |
| Daytona Beach, FL | 59 | $ 4,648,000 | $ 78,779 | $ 49,000 |
| Fort Myers-Cape Coral, FL | 59 | $ 6,259,000 | $ 106,084 | $ 81,000 |
| Tulsa, OK | 58 | $ 3,134,000 | $ 54,034 | $ 61,000 |
| Merced, CA | 57 | $ 9,126,000 | $ 160,105 | $ 68,000 |
| Ann Arbor, MI | 56 | $ 5,755,000 | $ 102,767 | $ 95,000 |
| Chico-Paradise, CA | 56 | $ 7,820,000 | $ 139,642 | $ 93,000 |
| Grand Rapids-Muskegon-Holland, MI | 56 | $ 3,532,000 | $ 63,071 | $ 84,000 |
| Visalia-Tulare-Porterville, CA | 53 | $ 4,991,000 | $ 94,169 | $ 73,000 |
| Cincinnati, OH-KY-IN | 52 | $ 7,893,000 | $ 151,788 | $ 182,000 |
| Oklahoma City, OK | 52 | $ 2,193,000 | $ 42,173 | $ 74,000 |
| Pensacola, FL | 52 | $ 4,509,000 | $ 86,711 | $ 99,000 |
| New London-Norwich, CT-RI | 51 | $ 4,834,000 | $ 94,784 | $ 109,000 |
| Worcester, MA-CT | 49 | $ 6,599,000 | $ 134,673 | $ 82,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 48 | $ 8,611,000 | $ 179,395 | $ 91,000 |
| Lakeland-Winter Haven, FL | 47 | $ 3,298,000 | $ 70,170 | $ 68,000 |
| Medford-Ashland, OR | 47 | $ 7,118,000 | $ 151,446 | $ 89,000 |
| Yolo, CA | 45 | $ 8,456,000 | $ 187,911 | $ 106,000 |
| Anchorage, AK | 44 | $ 2,892,000 | $ 65,727 | $ 70,000 |
| Louisville, KY-IN | 43 | $ 3,699,000 | $ 86,023 | $ 112,000 |
| Minneapolis-St. Paul, MN-WI | 43 | $ 8,576,000 | $ 199,441 | $ 142,000 |
| Salem, OR | 42 | $ 4,723,000 | $ 112,452 | $ 90,000 |
| Atlanta, GA | 41 | $ 2,310,000 | $ 56,341 | $ 67,000 |
| Lansing-East Lansing, MI | 41 | $ 2,944,000 | $ 71,804 | $ 62,000 |
| Omaha, NE-IA | 39 | $ 2,069,000 | $ 53,051 | $ 89,000 |
| Eugene-Springfield, OR | 38 | $ 5,190,000 | $ 136,578 | $ 88,000 |
| Redding, CA | 37 | $ 5,533,000 | $ 149,540 | $ 159,000 |
| Fort Collins-Loveland, CO | 36 | $ 3,954,000 | $ 109,833 | $ 105,000 |
| Lexington, KY | 35 | $ 2,588,000 | $ 73,942 | $ 71,000 |
| Naples, FL | 35 | $ 4,804,000 | $ 137,257 | $ 112,000 |
| Lowell, MA-NH | 32 | $ 6,079,000 | $ 189,968 | $ 104,000 |
| Waterbury, CT | 32 | $ 3,966,000 | $ 123,937 | $ 101,000 |
| Gary, IN | 31 | $ 4,031,000 | $ 130,032 | $ 96,000 |
| Philadelphia, PA-NJ | 31 | $ 5,197,000 | $ 167,645 | $ 166,000 |
| Kalamazoo-Battle Creek, MI | 30 | $ 2,432,000 | $ 81,066 | $ 63,000 |
| Manchester, NH | 30 | $ 3,940,000 | $ 131,333 | $ 85,000 |
| Portsmouth-Rochester, NH-ME | 30 | $ 4,487,000 | $ 149,566 | $ 137,000 |
| Springfield, MA | 30 | $ 3,811,000 | $ 127,033 | $ 67,000 |
| Bremerton, WA | 29 | $ 3,844,000 | $ 132,551 | $ 152,000 |
| Portland, ME | 29 | $ 2,512,000 | $ 86,620 | $ 86,000 |
| Spokane, WA | 29 | $ 3,433,000 | $ 118,379 | $ 67,000 |
| Flagstaff, AZ-UT | 28 | $ 3,371,000 | $ 120,392 | $ 95,000 |
| Fort Pierce-Port St. Lucie, FL | 28 | $ 3,616,000 | $ 129,142 | $ 76,000 |
| Lawrence, MA-NH | 28 | $ 5,378,000 | $ 192,071 | $ 102,000 |
| Olympia, WA | 28 | $ 4,770,000 | $ 170,357 | $ 135,000 |
| Brockton, MA | 27 | $ 4,314,000 | $ 159,777 | $ 62,000 |
| Hamilton-Middletown, OH | 27 | $ 4,059,000 | $ 150,333 | $ 223,000 |
| Nashua, NH | 27 | $ 3,229,000 | $ 119,592 | $ 54,000 |
| Roanoke, VA | 26 | $ 1,600,000 | $ 61,538 | $ 76,000 |
| Saginaw-Bay City-Midland, MI | 25 | $ 1,594,000 | $ 63,760 | $ 70,000 |
| Yuba City, CA | 25 | $ 2,574,000 | $ 102,960 | $ 100,000 |
| Greeley, CO | 24 | $ 1,892,000 | $ 78,833 | $ 75,000 |
| Kenosha, WI | 24 | $ 1,888,000 | $ 78,666 | $ 74,000 |
| Wichita, KS | 24 | $ 2,860,000 | $ 119,166 | $ 61,000 |
| Provo-Orem, UT | 23 | $ 4,982,000 | $ 216,608 | $ 240,000 |
| Raleigh-Durham-Chapel Hill, NC | 23 | $ 3,691,000 | $ 160,478 | $ 96,000 |
| Dayton-Springfield, OH | 22 | $ 2,661,000 | $ 120,954 | $ 170,000 |
| Fitchburg-Leominster, MA | 22 | $ 3,105,000 | $ 141,136 | $ 59,000 |
| Flint, MI | 22 | $ 1,557,000 | $ 70,772 | $ 64,000 |
| Akron, OH | 21 | $ 2,946,000 | $ 140,285 | $ 106,000 |
| Hagerstown, MD | 21 | $ 1,744,000 | $ 83,047 | $ 65,000 |
| Las Cruces, NM | 21 | $ 1,774,000 | $ 84,476 | $ 65,000 |
| Middlesex-Somerset-Hunterdon, NJ | 21 | $ 4,170,000 | $ 198,571 | $ 130,000 |
| Barnstable-Yarmouth, MA | 20 | $ 3,533,000 | $ 176,650 | $ 162,000 |
| Dover, DE | 20 | $ 1,540,000 | $ 77,000 | $ 64,000 |
| Newark, NJ | 20 | $ 3,506,000 | $ 175,300 | $ 93,000 |
| Charlottesville, VA | 18 | $ 2,365,000 | $ 131,388 | $ 163,000 |
| Fort Walton Beach, FL | 17 | $ 1,204,000 | $ 70,823 | $ 71,000 |
| Richland-Kennewick-Pasco, WA | 17 | $ 1,498,000 | $ 88,117 | $ 120,000 |
| Bergen-Passaic, NJ | 16 | $ 2,556,000 | $ 159,750 | $ 203,000 |
| Cedar Rapids, IA | 16 | $ 945,000 | $ 59,062 | $ 60,000 |
| Davenport-Moline-Rock Island, IA-IL | 16 | $ 889,000 | $ 55,562 | $ 92,000 |
| Springfield, MO | 16 | $ 569,000 | $ 35,562 | $ 48,000 |
| Burlington, VT | 15 | $ 2,293,000 | $ 152,866 | $ 123,000 |
| Honolulu, HI | 15 | $ 3,210,000 | $ 214,000 | $ 96,000 |
| Tallahassee, FL | 15 | $ 1,064,000 | $ 70,933 | $ 106,000 |
| Appleton-Oshkosh-Neenah, WI | 14 | $ 1,070,000 | $ 76,428 | $ 80,000 |
| Madison, WI | 14 | $ 987,000 | $ 70,500 | $ 76,000 |
| Santa Fe, NM | 14 | $ 2,866,000 | $ 204,714 | $ 344,000 |
| Benton Harbor, MI | 13 | $ 988,000 | $ 76,000 | $ 79,000 |
| Grand Junction, CO | 13 | $ 1,062,000 | $ 81,692 | $ 48,000 |
| Lincoln, NE | 13 | $ 761,000 | $ 58,538 | $ 53,000 |
| Bellingham, WA | 12 | $ 1,761,000 | $ 146,750 | $ 58,000 |
| Billings, MT | 12 | $ 790,000 | $ 65,833 | $ 81,000 |
| Greensboro--Winston-Salem--High Point, NC | 12 | $ 1,803,000 | $ 150,250 | $ 61,000 |
| Iowa City, IA | 12 | $ 1,102,000 | $ 91,833 | $ 101,000 |
| Ocala, FL | 12 | $ 831,000 | $ 69,250 | $ 70,000 |
| Panama City, FL | 12 | $ 665,000 | $ 55,416 | $ 64,000 |
| Punta Gorda, FL | 12 | $ 1,121,000 | $ 93,416 | $ 83,000 |
| Washington, DC-MD-VA-WV | 12 | $ 1,869,000 | $ 155,750 | $ 79,000 |
| Yuma, AZ | 12 | $ 917,000 | $ 76,416 | $ 54,000 |
| Birmingham, AL | 11 | $ 1,738,000 | $ 158,000 | $ 211,000 |
| Cheyenne, WY | 11 | $ 620,000 | $ 56,363 | $ 65,000 |
| Corvallis, OR | 11 | $ 1,089,000 | $ 99,000 | $ 93,000 |
| Eau Claire, WI | 11 | $ 537,000 | $ 48,818 | $ 56,000 |
| Gainesville, FL | 11 | $ 898,000 | $ 81,636 | $ 72,000 |
| Lynchburg, VA | 11 | $ 839,000 | $ 76,272 | $ 46,000 |
| New York, NY | 11 | $ 2,860,000 | $ 260,000 | $ 114,000 |
| Racine, WI | 11 | $ 699,000 | $ 63,545 | $ 94,000 |
| Jackson, MI | 10 | $ 707,000 | $ 70,700 | $ 51,000 |
| Memphis, TN-AR-MS | 10 | $ 1,226,000 | $ 122,600 | $ 84,000 |
| Missoula, MT | 10 | $ 828,000 | $ 82,800 | $ 57,000 |
| Monmouth-Ocean, NJ | 10 | $ 1,554,000 | $ 155,400 | $ 131,000 |
| New Bedford, MA | 10 | $ 902,000 | $ 90,200 | $ 81,000 |
| Rapid City, SD | 10 | $ 1,084,000 | $ 108,400 | $ 149,000 |
| Toledo, OH | 10 | $ 922,000 | $ 92,200 | $ 79,000 |
| Rockford, IL | 9 | $ 1,047,000 | $ 116,333 | $ 123,000 |
| Green Bay, WI | 8 | $ 391,000 | $ 48,875 | $ 59,000 |
| Lewiston-Auburn, ME | 8 | $ 447,000 | $ 55,875 | $ 50,000 |
| Nashville, TN | 8 | $ 1,240,000 | $ 155,000 | $ 77,000 |
| Pueblo, CO | 8 | $ 343,000 | $ 42,875 | $ 130,000 |
| Waterloo-Cedar Falls, IA | 8 | $ 528,000 | $ 66,000 | $ 43,000 |
| Allentown-Bethlehem-Easton, PA | 7 | $ 1,069,000 | $ 152,714 | $ 96,000 |
| Atlantic-Cape May, NJ | 7 | $ 1,005,000 | $ 143,571 | $ 129,000 |
| Champaign-Urbana, IL | 7 | $ 925,000 | $ 132,142 | $ 70,000 |
| Houston, TX | 7 | $ 654,000 | $ 93,428 | $ 121,000 |
| Jersey City, NJ | 7 | $ 1,183,000 | $ 169,000 | $ 146,000 |
| Mansfield, OH | 7 | $ 858,000 | $ 122,571 | $ 82,000 |
| Nassau-Suffolk, NY | 7 | $ 1,447,000 | $ 206,714 | $ 83,000 |
| Savannah, GA | 7 | $ 560,000 | $ 80,000 | $ 112,000 |
| Sioux Falls, SD | 7 | $ 443,000 | $ 63,285 | $ 72,000 |
| Springfield, IL | 7 | $ 773,000 | $ 110,428 | $ 88,000 |
| Youngstown-Warren, OH | 7 | $ 923,000 | $ 131,857 | $ 95,000 |
| Asheville, NC | 6 | $ 1,220,000 | $ 203,333 | $ 56,000 |
| Canton-Massillon, OH | 6 | $ 1,118,000 | $ 186,333 | $ 189,000 |
| Charleston-North Charleston, SC | 6 | $ 793,000 | $ 132,166 | $ 107,000 |
| Columbia, MO | 6 | $ 223,000 | $ 37,166 | $ 37,000 |
| Danville, VA | 6 | $ 218,000 | $ 36,333 | $ 60,000 |
| Dubuque, IA | 6 | $ 454,000 | $ 75,666 | $ 97,000 |
| Fargo-Moorhead, ND-MN | 6 | $ 470,000 | $ 78,333 | $ 237,000 |
| Huntsville, AL | 6 | $ 1,171,000 | $ 195,166 | $ 116,000 |
| Joplin, MO | 6 | $ 257,000 | $ 42,833 | $ 49,000 |
| Lancaster, PA | 6 | $ 1,229,000 | $ 204,833 | $ 157,000 |
| Pittsburgh, PA | 6 | $ 642,000 | $ 107,000 | $ 173,000 |
| Terre Haute, IN | 6 | $ 574,000 | $ 95,666 | $ 78,000 |
| Bangor, ME | 5 | $ 219,000 | $ 43,800 | $ 86,000 |
| Biloxi-Gulfport-Pascagoula, MS | 5 | $ 562,000 | $ 112,400 | $ 95,000 |
| Bloomington-Normal, IL | 5 | $ 517,000 | $ 103,400 | $ 74,000 |
| Janesville-Beloit, WI | 5 | $ 172,000 | $ 34,400 | $ 65,000 |
| Lawton, OK | 5 | $ 322,000 | $ 64,400 | $ 66,000 |
| New Orleans, LA | 5 | $ 324,000 | $ 64,800 | $ 104,000 |
| Owensboro, KY | 5 | $ 359,000 | $ 71,800 | $ 90,000 |
| South Bend, IN | 5 | $ 590,000 | $ 118,000 | $ 52,000 |
| Topeka, KS | 5 | $ 712,000 | $ 142,400 | $ 100,000 |
| Wilmington, NC | 5 | $ 916,000 | $ 183,200 | $ 146,000 |
| Bloomington, IN | 4 | $ 437,000 | $ 109,250 | $ 111,000 |
| Casper, WY | 4 | $ 392,000 | $ 98,000 | $ 51,000 |
| Elkhart-Goshen, IN | 4 | $ 456,000 | $ 114,000 | $ 56,000 |
| Evansville-Henderson, IN-KY | 4 | $ 399,000 | $ 99,750 | $ 110,000 |
| Great Falls, MT | 4 | $ 122,000 | $ 30,500 | $ 70,000 |
| Harrisburg-Lebanon-Carlisle, PA | 4 | $ 781,000 | $ 195,250 | $ 92,000 |
| Kokomo, IN | 4 | $ 429,000 | $ 107,250 | $ 64,000 |
| Lawrence, KS | 4 | $ 577,000 | $ 144,250 | $ 38,000 |
| Mobile, AL | 4 | $ 784,000 | $ 196,000 | $ 92,000 |
| Peoria-Pekin, IL | 4 | $ 693,000 | $ 173,250 | $ 275,000 |
| Pocatello, ID | 4 | $ 126,000 | $ 31,500 | $ 41,000 |
| Reading, PA | 4 | $ 414,000 | $ 103,500 | $ 48,000 |
| Sioux City, IA-NE | 4 | $ 153,000 | $ 38,250 | $ 73,000 |
| Trenton, NJ | 4 | $ 923,000 | $ 230,750 | $ 251,000 |
| Yakima, WA | 4 | $ 764,000 | $ 191,000 | $ 94,000 |
| Baton Rouge, LA | 3 | $ 159,000 | $ 53,000 | $ 66,000 |
| Columbia, SC | 3 | $ 211,000 | $ 70,333 | $ 51,000 |
| Fort Wayne, IN | 3 | $ 310,000 | $ 103,333 | $ 66,000 |
| Kankakee, IL | 3 | $ 354,000 | $ 118,000 | $ 46,000 |
| Lima, OH | 3 | $ 426,000 | $ 142,000 | $ 78,000 |
| Montgomery, AL | 3 | $ 263,000 | $ 87,666 | $ 47,000 |
| Rochester, MN | 3 | $ 502,000 | $ 167,333 | $ 84,000 |
| Sheboygan, WI | 3 | $ 75,000 | $ 25,000 | $ 47,000 |
| Shreveport-Bossier City, LA | 3 | $ 385,000 | $ 128,333 | $ 83,000 |
| York, PA | 3 | $ 196,000 | $ 65,333 | $ 48,000 |
| Albany-Schenectady-Troy, NY | 2 | $ 210,000 | $ 105,000 | $ 219,000 |
| Anniston, AL | 2 | $ 361,000 | $ 180,500 | $ 45,000 |
| Athens, GA | 2 | $ 75,000 | $ 37,500 | $ 66,000 |
| Augusta-Aiken, GA-SC | 2 | $ 79,000 | $ 39,500 | $ 69,000 |
| Bismarck, ND | 2 | $ 80,000 | $ 40,000 | $ 154,000 |
| Cumberland, MD-WV | 2 | $ 152,000 | $ 76,000 | $ 59,000 |
| Dutchess County, NY | 2 | $ 229,000 | $ 114,500 | $ 291,000 |
| Elmira, NY | 2 | $ 166,000 | $ 83,000 | $ 163,000 |
| Fayetteville, NC | 2 | $ 155,000 | $ 77,500 | $ 45,000 |
| Fayetteville-Springdale-Rogers, AR | 2 | $ 206,000 | $ 103,000 | $ 12,000 |
| Grand Forks, ND-MN | 2 | $ 180,000 | $ 90,000 | $ 60,000 |
| Hattiesburg, MS | 2 | $ 283,000 | $ 141,500 | $ 221,000 |
| Jackson, MS | 2 | $ 298,000 | $ 149,000 | $ 66,000 |
| Jacksonville, NC | 2 | $ 377,000 | $ 188,500 | $ 82,000 |
| Johnson City-Kingsport-Bristol, TN-VA | 2 | $ 403,000 | $ 201,500 | $ 37,000 |
| Lafayette, IN | 2 | $ 158,000 | $ 79,000 | $ 72,000 |
| Muncie, IN | 2 | $ 357,000 | $ 178,500 | $ 70,000 |
| Wausau, WI | 2 | $ 149,000 | $ 74,500 | $ 36,000 |
| Charleston, WV | 1 | $ 35,000 | $ 35,000 | $ 50,000 |
| Clarksville-Hopkinsville, TN-KY | 1 | $ 25,000 | $ 25,000 | $ 111,000 |
| Enid, OK | 1 | $ 28,000 | $ 28,000 | $ 23,000 |
| Fort Smith, AR-OK | 1 | $ 30,000 | $ 30,000 | $ 0 |
| Fort Worth-Arlington, TX | 1 | $ 216,000 | $ 216,000 | $ 0 |
| Galveston-Texas City, TX | 1 | $ 81,000 | $ 81,000 | $ 200,000 |
| Glens Falls, NY | 1 | $ 127,000 | $ 127,000 | $ 77,000 |
| Goldsboro, NC | 1 | $ 190,000 | $ 190,000 | $ 165,000 |
| Greenville, NC | 1 | $ 244,000 | $ 244,000 | $ 225,000 |
| Greenville-Spartanburg-Anderson, SC | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Hickory-Morganton-Lenoir, NC | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Houma, LA | 1 | $ 147,000 | $ 147,000 | $ 168,000 |
| Knoxville, TN | 1 | $ 154,000 | $ 154,000 | $ 168,000 |
| La Crosse, WI-MN | 1 | $ 25,000 | $ 25,000 | $ 84,000 |
| Little Rock-North Little Rock, AR | 1 | $ 100,000 | $ 100,000 | $ 78,000 |
| Newburgh, NY-PA | 1 | $ 208,000 | $ 208,000 | $ 64,000 |
| Pittsfield, MA | 1 | $ 181,000 | $ 181,000 | $ 331,000 |
| Rochester, NY | 1 | $ 182,000 | $ 182,000 | $ 80,000 |
| Rocky Mount, NC | 1 | $ 67,000 | $ 67,000 | $ 53,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 148,000 | $ 148,000 | $ 37,000 |
| Sharon, PA | 1 | $ 142,000 | $ 142,000 | $ 41,000 |
| Steubenville-Weirton, OH-WV | 1 | $ 85,000 | $ 85,000 | $ 72,000 |
| Syracuse, NY | 1 | $ 100,000 | $ 100,000 | $ 41,000 |
| Tuscaloosa, AL | 1 | $ 130,000 | $ 130,000 | $ 143,000 |
Mortgage Loan Application Detail Totals for Home Loan Center in 2003
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 (home purchase or home improvement, one-to-four family) | 19,817 | $2,963,530,000 | $119,882 | $2,600,000 | $99,960 | $7,008,000 |
| Home Purchase (one-to-four family) | 1,914 | $361,195,000 | $165,461 | $1,000,000 | $117,711 | $1,396,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 1 | $280,000 | $280,000 | $280,000 | $0 | $0 |
| Home Improvement (one-to-four family) | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Information not provided by applicant in mail or telephone application | 15,834 | $2,254,569,000 | $118,000 | $1,500,000 | $93,442 | $7,008,000 |
| White | 4,522 | $808,147,000 | $135,580 | $1,100,000 | $122,900 | $3,037,000 |
| Hispanic | 470 | $83,705,000 | $128,360 | $620,000 | $114,480 | $1,250,000 |
| Asian or Pacific Islander | 396 | $89,664,000 | $184,636 | $2,600,000 | $114,545 | $911,000 |
| Other | 308 | $56,879,000 | $145,666 | $984,000 | $125,878 | $912,000 |
| Black | 162 | $25,354,000 | $143,952 | $530,000 | $112,428 | $573,000 |
| American Indian or Alaskan Native | 40 | $6,687,000 | $144,600 | $288,000 | $118,100 | $439,000 |
| 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) | 21,721 | $3,322,942,000 | $121,211 | $2,600,000 | $100,000 | $7,008,000 |
| FHA-insured (Federal Housing Administration) | 11 | $2,063,000 | $187,000 | $254,000 | $45,000 | $139,000 |
| 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 | 13,386 | $2,228,095,000 | $127,745 | $1,500,000 | $113,372 | $7,008,000 |
| Application Withdrawn By Applicant | 4,193 | $553,582,000 | $110,807 | $2,600,000 | $104,211 | $3,069,000 |
| Application Denied By Financial Institution | 3,825 | $521,251,000 | $116,115 | $1,127,000 | $84,615 | $2,828,000 |
| Application Approved But Not Accepted | 309 | $18,749,000 | $59,093 | $950,000 | $75,125 | $480,000 |
| File Closed For Incompleteness | 19 | $3,328,000 | $150,909 | $314,000 | $111,545 | $756,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 822 | $91,558,000 | $92,428 | $1,000,000 | $72,857 | $840,000 |
| Collateral | 814 | $127,620,000 | $145,428 | $720,000 | $104,387 | $765,000 |
| Other | 779 | $106,191,000 | $99,148 | $1,000,000 | $77,000 | $1,680,000 |
| Debt-To-Income Ratio | 767 | $97,701,000 | $109,888 | $1,120,000 | $78,377 | $2,828,000 |
| Credit Application Incomplete | 263 | $43,721,000 | $145,794 | $1,127,000 | $133,323 | $720,000 |
| Unverifiable Information | 200 | $32,967,000 | $139,548 | $884,000 | $97,645 | $1,920,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 87 | $11,925,000 | $126,000 | $429,000 | $112,772 | $475,000 |
| Employment History | 83 | $8,658,000 | $99,240 | $435,000 | $85,880 | $334,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Home Loan Center's 2003 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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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