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Act (HMDA) records Home Loan Center filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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-Glendale, CA | 937 | $ 242,726,000 | $ 259,045 | $ 93,000 |
| Las Vegas-Paradise, NV | 824 | $ 169,536,000 | $ 205,747 | $ 68,000 |
| Riverside-San Bernardino-Ontario, CA | 824 | $ 178,007,000 | $ 216,027 | $ 75,000 |
| Phoenix-Mesa-Scottsdale, AZ | 557 | $ 90,233,000 | $ 161,998 | $ 78,000 |
| Santa Ana-Anaheim-Irvine, CA | 532 | $ 167,799,000 | $ 315,411 | $ 103,000 |
| New York-Wayne-White Plains, NY-NJ | 454 | $ 124,529,000 | $ 274,292 | $ 88,000 |
| Baltimore-Towson, MD | 410 | $ 75,321,000 | $ 183,709 | $ 75,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 384 | $ 84,003,000 | $ 218,757 | $ 71,000 |
| San Diego-Carlsbad-San Marcos, CA | 358 | $ 99,065,000 | $ 276,717 | $ 92,000 |
| Chicago-Naperville-Joliet, IL | 355 | $ 66,870,000 | $ 188,366 | $ 77,000 |
| Seattle-Bellevue-Everett, WA | 347 | $ 76,615,000 | $ 220,792 | $ 90,000 |
| Atlanta-Sandy Springs-Marietta, GA | 342 | $ 50,156,000 | $ 146,654 | $ 75,000 |
| Nassau-Suffolk, NY | 335 | $ 79,409,000 | $ 237,041 | $ 86,000 |
| Philadelphia, PA | 302 | $ 56,668,000 | $ 187,642 | $ 86,000 |
| Portland-Vancouver-Beaverton, OR-WA | 290 | $ 52,310,000 | $ 180,379 | $ 65,000 |
| Bethesda-Frederick-Gaithersburg, MD | 243 | $ 55,250,000 | $ 227,366 | $ 77,000 |
| Oakland-Fremont-Hayward, CA | 236 | $ 64,634,000 | $ 273,872 | $ 97,000 |
| Reno-Sparks, NV | 215 | $ 42,563,000 | $ 197,967 | $ 74,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 209 | $ 32,304,000 | $ 154,564 | $ 67,000 |
| Boston-Quincy, MA | 207 | $ 48,934,000 | $ 236,396 | $ 92,000 |
| Tampa-St. Petersburg-Clearwater, FL | 206 | $ 28,661,000 | $ 139,131 | $ 59,000 |
| Denver-Aurora, CO | 191 | $ 33,575,000 | $ 175,785 | $ 76,000 |
| Orlando, FL | 186 | $ 29,972,000 | $ 161,139 | $ 69,000 |
| Honolulu, HI | 183 | $ 47,464,000 | $ 259,366 | $ 72,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 171 | $ 29,942,000 | $ 175,099 | $ 73,000 |
| Warren-Farmington Hills-Troy, MI | 151 | $ 25,146,000 | $ 166,529 | $ 70,000 |
| Cambridge-Newton-Framingham, MA | 150 | $ 35,744,000 | $ 238,293 | $ 79,000 |
| Providence-New Bedford-Fall River, RI-MA | 146 | $ 28,388,000 | $ 194,438 | $ 71,000 |
| Richmond, VA | 141 | $ 21,817,000 | $ 154,730 | $ 67,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 137 | $ 23,744,000 | $ 173,313 | $ 73,000 |
| Hartford-West Hartford-East Hartford, CT | 135 | $ 21,541,000 | $ 159,562 | $ 77,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 135 | $ 28,352,000 | $ 210,014 | $ 88,000 |
| Miami-Miami Beach-Kendall, FL | 130 | $ 23,414,000 | $ 180,107 | $ 68,000 |
| Fresno, CA | 124 | $ 22,643,000 | $ 182,604 | $ 68,000 |
| Tacoma, WA | 124 | $ 21,220,000 | $ 171,129 | $ 71,000 |
| Tucson, AZ | 124 | $ 22,760,000 | $ 183,548 | $ 81,000 |
| St. Louis, MO-IL | 119 | $ 18,538,000 | $ 155,781 | $ 68,000 |
| Wilmington, DE-MD-NJ | 117 | $ 20,831,000 | $ 178,042 | $ 74,000 |
| Stockton, CA | 116 | $ 24,905,000 | $ 214,698 | $ 70,000 |
| Portland-South Portland-Biddeford, ME | 115 | $ 18,932,000 | $ 164,626 | $ 67,000 |
| Worcester, MA | 115 | $ 21,486,000 | $ 186,834 | $ 81,000 |
| Charlotte-Gastonia-Concord, NC-SC | 113 | $ 16,526,000 | $ 146,247 | $ 74,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 110 | $ 29,670,000 | $ 269,727 | $ 78,000 |
| Jacksonville, FL | 107 | $ 15,675,000 | $ 146,495 | $ 67,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 107 | $ 33,975,000 | $ 317,523 | $ 97,000 |
| Anchorage, AK | 106 | $ 18,759,000 | $ 176,971 | $ 75,000 |
| Salt Lake City, UT | 106 | $ 18,511,000 | $ 174,632 | $ 72,000 |
| Manchester-Nashua, NH | 105 | $ 20,976,000 | $ 199,771 | $ 69,000 |
| Bakersfield, CA | 101 | $ 16,232,000 | $ 160,712 | $ 65,000 |
| Indianapolis, IN | 100 | $ 13,791,000 | $ 137,910 | $ 64,000 |
| New Orleans-Metairie-Kenner, LA | 97 | $ 15,813,000 | $ 163,020 | $ 72,000 |
| Pittsburgh, PA | 97 | $ 14,314,000 | $ 147,567 | $ 62,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 97 | $ 16,434,000 | $ 169,422 | $ 85,000 |
| Bridgeport-Stamford-Norwalk, CT | 92 | $ 21,296,000 | $ 231,478 | $ 80,000 |
| Essex County, MA | 90 | $ 20,909,000 | $ 232,322 | $ 70,000 |
| San Francisco-San Mateo-Redwood City, CA | 90 | $ 27,357,000 | $ 303,966 | $ 94,000 |
| Vallejo-Fairfield, CA | 90 | $ 20,386,000 | $ 226,511 | $ 84,000 |
| Modesto, CA | 88 | $ 17,383,000 | $ 197,534 | $ 70,000 |
| Albuquerque, NM | 84 | $ 11,722,000 | $ 139,547 | $ 80,000 |
| Cleveland-Elyria-Mentor, OH | 84 | $ 12,939,000 | $ 154,035 | $ 74,000 |
| Rockingham County-Strafford County, NH | 83 | $ 15,045,000 | $ 181,265 | $ 73,000 |
| Milwaukee-Waukesha-West Allis, WI | 80 | $ 11,357,000 | $ 141,962 | $ 70,000 |
| New Haven-Milford, CT | 79 | $ 13,753,000 | $ 174,088 | $ 62,000 |
| Cincinnati-Middletown, OH-KY-IN | 77 | $ 11,849,000 | $ 153,883 | $ 72,000 |
| Columbus, OH | 75 | $ 11,498,000 | $ 153,306 | $ 83,000 |
| Raleigh-Cary, NC | 75 | $ 12,681,000 | $ 169,080 | $ 72,000 |
| Springfield, MA | 70 | $ 10,809,000 | $ 154,414 | $ 70,000 |
| Detroit-Livonia-Dearborn, MI | 69 | $ 10,086,000 | $ 146,173 | $ 64,000 |
| Birmingham-Hoover, AL | 68 | $ 10,629,000 | $ 156,308 | $ 70,000 |
| Kansas City, MO-KS | 66 | $ 8,348,000 | $ 126,484 | $ 79,000 |
| Albany-Schenectady-Troy, NY | 64 | $ 9,813,000 | $ 153,328 | $ 70,000 |
| Bremerton-Silverdale, WA | 60 | $ 9,902,000 | $ 165,033 | $ 76,000 |
| Boise City-Nampa, ID | 59 | $ 8,228,000 | $ 139,457 | $ 72,000 |
| Ogden-Clearfield, UT | 58 | $ 8,949,000 | $ 154,293 | $ 65,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 57 | $ 9,604,000 | $ 168,491 | $ 66,000 |
| Oklahoma City, OK | 57 | $ 7,806,000 | $ 136,947 | $ 75,000 |
| Sarasota-Bradenton-Venice, FL | 55 | $ 9,089,000 | $ 165,254 | $ 64,000 |
| Cape Coral-Fort Myers, FL | 54 | $ 8,330,000 | $ 154,259 | $ 67,000 |
| Medford, OR | 52 | $ 9,715,000 | $ 186,826 | $ 53,000 |
| Chico, CA | 51 | $ 10,016,000 | $ 196,392 | $ 71,000 |
| Nashville-Davidson--Murfreesboro, TN | 51 | $ 8,782,000 | $ 172,196 | $ 83,000 |
| Colorado Springs, CO | 49 | $ 6,538,000 | $ 133,428 | $ 75,000 |
| Baton Rouge, LA | 48 | $ 7,647,000 | $ 159,312 | $ 69,000 |
| Tulsa, OK | 48 | $ 6,265,000 | $ 130,520 | $ 60,000 |
| Port St. Lucie-Fort Pierce, FL | 47 | $ 8,027,000 | $ 170,787 | $ 65,000 |
| Visalia-Porterville, CA | 46 | $ 7,631,000 | $ 165,891 | $ 71,000 |
| Palm Bay-Melbourne-Titusville, FL | 45 | $ 6,717,000 | $ 149,266 | $ 65,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 44 | $ 7,558,000 | $ 171,772 | $ 77,000 |
| Eugene-Springfield, OR | 44 | $ 7,172,000 | $ 163,000 | $ 65,000 |
| Barnstable Town, MA | 43 | $ 10,062,000 | $ 234,000 | $ 70,000 |
| Salem, OR | 41 | $ 6,146,000 | $ 149,902 | $ 72,000 |
| Santa Rosa-Petaluma, CA | 40 | $ 11,529,000 | $ 288,225 | $ 86,000 |
| Akron, OH | 38 | $ 5,694,000 | $ 149,842 | $ 88,000 |
| Des Moines, IA | 37 | $ 4,771,000 | $ 128,945 | $ 72,000 |
| Louisville, KY-IN | 37 | $ 4,526,000 | $ 122,324 | $ 63,000 |
| Merced, CA | 37 | $ 6,654,000 | $ 179,837 | $ 79,000 |
| Olympia, WA | 37 | $ 5,857,000 | $ 158,297 | $ 68,000 |
| Greensboro-High Point, NC | 36 | $ 5,288,000 | $ 146,888 | $ 69,000 |
| Provo-Orem, UT | 36 | $ 5,531,000 | $ 153,638 | $ 50,000 |
| Rochester, NY | 36 | $ 4,274,000 | $ 118,722 | $ 77,000 |
| Huntsville, AL | 35 | $ 5,735,000 | $ 163,857 | $ 92,000 |
| Lakeland, FL | 35 | $ 5,290,000 | $ 151,142 | $ 70,000 |
| Bellingham, WA | 34 | $ 6,467,000 | $ 190,205 | $ 62,000 |
| Gary, IN | 34 | $ 4,560,000 | $ 134,117 | $ 69,000 |
| Omaha-Council Bluffs, NE-IA | 34 | $ 3,919,000 | $ 115,264 | $ 56,000 |
| Durham, NC | 33 | $ 4,780,000 | $ 144,848 | $ 60,000 |
| Norwich-New London, CT | 33 | $ 5,737,000 | $ 173,848 | $ 65,000 |
| Spokane, WA | 33 | $ 4,814,000 | $ 145,878 | $ 77,000 |
| Buffalo-Niagara Falls, NY | 32 | $ 4,199,000 | $ 131,218 | $ 65,000 |
| Madison, WI | 32 | $ 4,029,000 | $ 125,906 | $ 62,000 |
| Pensacola-Ferry Pass-Brent, FL | 32 | $ 3,685,000 | $ 115,156 | $ 68,000 |
| Salinas, CA | 31 | $ 8,414,000 | $ 271,419 | $ 82,000 |
| Toledo, OH | 31 | $ 4,017,000 | $ 129,580 | $ 70,000 |
| Kingston, NY | 30 | $ 5,343,000 | $ 178,100 | $ 90,000 |
| Naples-Marco Island, FL | 30 | $ 6,304,000 | $ 210,133 | $ 73,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 30 | $ 8,834,000 | $ 294,466 | $ 69,000 |
| Dayton, OH | 29 | $ 4,117,000 | $ 141,965 | $ 74,000 |
| Prescott, AZ | 29 | $ 4,870,000 | $ 167,931 | $ 91,000 |
| Yuba City, CA | 29 | $ 4,807,000 | $ 165,758 | $ 66,000 |
| Harrisburg-Carlisle, PA | 28 | $ 4,280,000 | $ 152,857 | $ 61,000 |
| Wilmington, NC | 28 | $ 4,896,000 | $ 174,857 | $ 107,000 |
| Boulder, CO | 27 | $ 5,805,000 | $ 215,000 | $ 81,000 |
| Memphis, TN-MS-AR | 27 | $ 4,306,000 | $ 159,481 | $ 88,000 |
| San Luis Obispo-Paso Robles, CA | 27 | $ 6,747,000 | $ 249,888 | $ 55,000 |
| Dover, DE | 26 | $ 3,638,000 | $ 139,923 | $ 57,000 |
| Grand Rapids-Wyoming, MI | 26 | $ 3,405,000 | $ 130,961 | $ 53,000 |
| Redding, CA | 26 | $ 4,568,000 | $ 175,692 | $ 57,000 |
| York-Hanover, PA | 26 | $ 3,804,000 | $ 146,307 | $ 79,000 |
| Charleston-North Charleston, SC | 24 | $ 4,504,000 | $ 187,666 | $ 68,000 |
| Fairbanks, AK | 24 | $ 2,930,000 | $ 122,083 | $ 86,000 |
| Lancaster, PA | 24 | $ 3,292,000 | $ 137,166 | $ 58,000 |
| Roanoke, VA | 24 | $ 3,370,000 | $ 140,416 | $ 67,000 |
| Scranton--Wilkes-Barre, PA | 24 | $ 2,984,000 | $ 124,333 | $ 69,000 |
| Syracuse, NY | 24 | $ 3,733,000 | $ 155,541 | $ 113,000 |
| Burlington-South Burlington, VT | 23 | $ 3,493,000 | $ 151,869 | $ 54,000 |
| Charlottesville, VA | 23 | $ 3,955,000 | $ 171,956 | $ 69,000 |
| Hickory-Lenoir-Morganton, NC | 23 | $ 3,020,000 | $ 131,304 | $ 56,000 |
| Knoxville, TN | 23 | $ 3,395,000 | $ 147,608 | $ 76,000 |
| Fort Collins-Loveland, CO | 22 | $ 4,399,000 | $ 199,954 | $ 70,000 |
| Montgomery, AL | 22 | $ 3,257,000 | $ 148,045 | $ 67,000 |
| Winston-Salem, NC | 22 | $ 3,483,000 | $ 158,318 | $ 47,000 |
| Bend, OR | 21 | $ 4,033,000 | $ 192,047 | $ 58,000 |
| Billings, MT | 21 | $ 2,846,000 | $ 135,523 | $ 58,000 |
| Carson City, NV | 21 | $ 4,246,000 | $ 202,190 | $ 61,000 |
| Flagstaff, AZ | 21 | $ 3,731,000 | $ 177,666 | $ 57,000 |
| Hagerstown-Martinsburg, MD-WV | 21 | $ 3,408,000 | $ 162,285 | $ 68,000 |
| Kennewick-Richland-Pasco, WA | 21 | $ 3,159,000 | $ 150,428 | $ 69,000 |
| Madera, CA | 21 | $ 3,525,000 | $ 167,857 | $ 78,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 21 | $ 5,071,000 | $ 241,476 | $ 83,000 |
| Asheville, NC | 20 | $ 3,163,000 | $ 158,150 | $ 98,000 |
| Greeley, CO | 20 | $ 2,567,000 | $ 128,350 | $ 61,000 |
| Lake County-Kenosha County, IL-WI | 20 | $ 3,879,000 | $ 193,950 | $ 81,000 |
| Reading, PA | 20 | $ 2,578,000 | $ 128,900 | $ 76,000 |
| Santa Fe, NM | 20 | $ 4,987,000 | $ 249,350 | $ 116,000 |
| Tallahassee, FL | 20 | $ 2,518,000 | $ 125,900 | $ 69,000 |
| Augusta-Richmond County, GA-SC | 19 | $ 2,797,000 | $ 147,210 | $ 74,000 |
| Lexington-Fayette, KY | 19 | $ 2,428,000 | $ 127,789 | $ 83,000 |
| Rapid City, SD | 19 | $ 2,744,000 | $ 144,421 | $ 53,000 |
| Topeka, KS | 19 | $ 2,740,000 | $ 144,210 | $ 58,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 18 | $ 2,904,000 | $ 161,333 | $ 62,000 |
| Flint, MI | 18 | $ 2,636,000 | $ 146,444 | $ 60,000 |
| Napa, CA | 18 | $ 5,187,000 | $ 288,166 | $ 99,000 |
| St. George, UT | 18 | $ 2,556,000 | $ 142,000 | $ 64,000 |
| Wichita, KS | 18 | $ 2,587,000 | $ 143,722 | $ 74,000 |
| Corvallis, OR | 17 | $ 3,285,000 | $ 193,235 | $ 76,000 |
| Greenville, SC | 17 | $ 2,553,000 | $ 150,176 | $ 91,000 |
| Canton-Massillon, OH | 16 | $ 3,420,000 | $ 213,750 | $ 82,000 |
| Coeur D'Alene, ID | 16 | $ 2,550,000 | $ 159,375 | $ 64,000 |
| Columbia, SC | 16 | $ 2,776,000 | $ 173,500 | $ 65,000 |
| Gainesville, GA | 16 | $ 2,239,000 | $ 139,937 | $ 72,000 |
| Hanford-Corcoran, CA | 16 | $ 2,562,000 | $ 160,125 | $ 75,000 |
| Jackson, MS | 16 | $ 2,376,000 | $ 148,500 | $ 87,000 |
| Lewiston-Auburn, ME | 16 | $ 2,322,000 | $ 145,125 | $ 65,000 |
| Salisbury, MD | 16 | $ 1,991,000 | $ 124,437 | $ 78,000 |
| Winchester, VA-WV | 16 | $ 2,442,000 | $ 152,625 | $ 64,000 |
| Ann Arbor, MI | 15 | $ 2,609,000 | $ 173,933 | $ 78,000 |
| Gainesville, FL | 15 | $ 2,218,000 | $ 147,866 | $ 90,000 |
| Lafayette, LA | 15 | $ 2,041,000 | $ 136,066 | $ 57,000 |
| Panama City-Lynn Haven, FL | 15 | $ 2,451,000 | $ 163,400 | $ 68,000 |
| Pittsfield, MA | 15 | $ 2,228,000 | $ 148,533 | $ 50,000 |
| Punta Gorda, FL | 15 | $ 3,091,000 | $ 206,066 | $ 47,000 |
| Springfield, MO | 15 | $ 2,369,000 | $ 157,933 | $ 89,000 |
| Yuma, AZ | 15 | $ 2,028,000 | $ 135,200 | $ 62,000 |
| Binghamton, NY | 14 | $ 1,791,000 | $ 127,928 | $ 74,000 |
| Green Bay, WI | 14 | $ 1,783,000 | $ 127,357 | $ 74,000 |
| Kalamazoo-Portage, MI | 14 | $ 1,717,000 | $ 122,642 | $ 66,000 |
| Lansing-East Lansing, MI | 14 | $ 1,517,000 | $ 108,357 | $ 63,000 |
| Las Cruces, NM | 14 | $ 1,858,000 | $ 132,714 | $ 49,000 |
| Yakima, WA | 14 | $ 2,542,000 | $ 181,571 | $ 71,000 |
| Charleston, WV | 13 | $ 1,654,000 | $ 127,230 | $ 76,000 |
| Fayetteville, NC | 13 | $ 1,644,000 | $ 126,461 | $ 66,000 |
| Little Rock-North Little Rock, AR | 13 | $ 2,033,000 | $ 156,384 | $ 86,000 |
| Santa Cruz-Watsonville, CA | 13 | $ 3,717,000 | $ 285,923 | $ 85,000 |
| Shreveport-Bossier City, LA | 13 | $ 1,565,000 | $ 120,384 | $ 76,000 |
| Bangor, ME | 12 | $ 1,200,000 | $ 100,000 | $ 114,000 |
| Cheyenne, WY | 12 | $ 1,700,000 | $ 141,666 | $ 57,000 |
| Fort Walton Beach-Crestview-Destin, FL | 12 | $ 2,290,000 | $ 190,833 | $ 59,000 |
| Lake Charles, LA | 12 | $ 1,428,000 | $ 119,000 | $ 73,000 |
| Monroe, LA | 12 | $ 1,628,000 | $ 135,666 | $ 81,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 12 | $ 1,877,000 | $ 156,416 | $ 87,000 |
| Pascagoula, MS | 12 | $ 1,591,000 | $ 132,583 | $ 69,000 |
| Rochester, MN | 12 | $ 1,611,000 | $ 134,250 | $ 78,000 |
| Athens-Clarke County, GA | 11 | $ 1,375,000 | $ 125,000 | $ 84,000 |
| Cedar Rapids, IA | 11 | $ 1,113,000 | $ 101,181 | $ 71,000 |
| Chattanooga, TN-GA | 11 | $ 1,544,000 | $ 140,363 | $ 54,000 |
| Lincoln, NE | 11 | $ 1,619,000 | $ 147,181 | $ 55,000 |
| Missoula, MT | 11 | $ 1,559,000 | $ 141,727 | $ 72,000 |
| Rockford, IL | 11 | $ 1,834,000 | $ 166,727 | $ 80,000 |
| Wenatchee, WA | 11 | $ 1,985,000 | $ 180,454 | $ 85,000 |
| Auburn-Opelika, AL | 10 | $ 1,785,000 | $ 178,500 | $ 75,000 |
| Davenport-Moline-Rock Island, IA-IL | 10 | $ 1,362,000 | $ 136,200 | $ 72,000 |
| Grand Junction, CO | 10 | $ 1,003,000 | $ 100,300 | $ 63,000 |
| Gulfport-Biloxi, MS | 10 | $ 1,357,000 | $ 135,700 | $ 76,000 |
| Idaho Falls, ID | 10 | $ 1,363,000 | $ 136,300 | $ 74,000 |
| Mount Vernon-Anacortes, WA | 10 | $ 1,736,000 | $ 173,600 | $ 76,000 |
| Muskegon-Norton Shores, MI | 10 | $ 1,571,000 | $ 157,100 | $ 78,000 |
| Ocala, FL | 10 | $ 2,651,000 | $ 265,100 | $ 81,000 |
| Peoria, IL | 10 | $ 1,419,000 | $ 141,900 | $ 66,000 |
| Savannah, GA | 10 | $ 1,234,000 | $ 123,400 | $ 57,000 |
| Sioux Falls, SD | 10 | $ 1,433,000 | $ 143,300 | $ 59,000 |
| Vero Beach, FL | 10 | $ 1,576,000 | $ 157,600 | $ 127,000 |
| Huntington-Ashland, WV-KY-OH | 9 | $ 1,601,000 | $ 177,888 | $ 99,000 |
| Parkersburg-Marietta, WV-OH | 9 | $ 1,540,000 | $ 171,111 | $ 98,000 |
| Racine, WI | 9 | $ 1,407,000 | $ 156,333 | $ 90,000 |
| Utica-Rome, NY | 9 | $ 1,188,000 | $ 132,000 | $ 71,000 |
| Columbia, MO | 8 | $ 1,252,000 | $ 156,500 | $ 71,000 |
| El Centro, CA | 8 | $ 1,265,000 | $ 158,125 | $ 82,000 |
| Erie, PA | 8 | $ 1,124,000 | $ 140,500 | $ 72,000 |
| Farmington, NM | 8 | $ 1,338,000 | $ 167,250 | $ 61,000 |
| Fort Wayne, IN | 8 | $ 1,195,000 | $ 149,375 | $ 66,000 |
| Holland-Grand Haven, MI | 8 | $ 1,238,000 | $ 154,750 | $ 53,000 |
| Lawton, OK | 8 | $ 856,000 | $ 107,000 | $ 81,000 |
| Longview, WA | 8 | $ 1,201,000 | $ 150,125 | $ 47,000 |
| Lynchburg, VA | 8 | $ 1,387,000 | $ 173,375 | $ 93,000 |
| Macon, GA | 8 | $ 937,000 | $ 117,125 | $ 65,000 |
| Morgantown, WV | 8 | $ 934,000 | $ 116,750 | $ 81,000 |
| Sandusky, OH | 8 | $ 1,202,000 | $ 150,250 | $ 72,000 |
| State College, PA | 8 | $ 1,184,000 | $ 148,000 | $ 56,000 |
| Warner Robins, GA | 8 | $ 811,000 | $ 101,375 | $ 65,000 |
| Battle Creek, MI | 7 | $ 1,043,000 | $ 149,000 | $ 68,000 |
| Blacksburg-Christiansburg-Radford, VA | 7 | $ 1,053,000 | $ 150,428 | $ 39,000 |
| Bloomington, IN | 7 | $ 871,000 | $ 124,428 | $ 52,000 |
| Camden, NJ | 7 | $ 517,000 | $ 73,857 | $ 55,000 |
| Dothan, AL | 7 | $ 995,000 | $ 142,142 | $ 85,000 |
| Eau Claire, WI | 7 | $ 792,000 | $ 113,142 | $ 52,000 |
| Florence-Muscle Shoals, AL | 7 | $ 844,000 | $ 120,571 | $ 92,000 |
| Jacksonville, NC | 7 | $ 802,000 | $ 114,571 | $ 50,000 |
| Kingsport-Bristol-Bristol, TN-VA | 7 | $ 1,071,000 | $ 153,000 | $ 74,000 |
| Mansfield, OH | 7 | $ 1,029,000 | $ 147,000 | $ 54,000 |
| Mobile, AL | 7 | $ 942,000 | $ 134,571 | $ 88,000 |
| Oshkosh-Neenah, WI | 7 | $ 1,021,000 | $ 145,857 | $ 76,000 |
| Pueblo, CO | 7 | $ 953,000 | $ 136,142 | $ 64,000 |
| Saginaw-Saginaw Township North, MI | 7 | $ 814,000 | $ 116,285 | $ 51,000 |
| South Bend-Mishawaka, IN-MI | 7 | $ 1,370,000 | $ 195,714 | $ 78,000 |
| Tuscaloosa, AL | 7 | $ 917,000 | $ 131,000 | $ 94,000 |
| Bismarck, ND | 6 | $ 855,000 | $ 142,500 | $ 95,000 |
| Bloomington-Normal, IL | 6 | $ 908,000 | $ 151,333 | $ 42,000 |
| Columbus, GA-AL | 6 | $ 674,000 | $ 112,333 | $ 62,000 |
| Decatur, AL | 6 | $ 760,000 | $ 126,666 | $ 79,000 |
| Duluth, MN-WI | 6 | $ 714,000 | $ 119,000 | $ 88,000 |
| Edison, NJ | 6 | $ 628,000 | $ 104,666 | $ 92,000 |
| Harrisonburg, VA | 6 | $ 882,000 | $ 147,000 | $ 66,000 |
| Janesville, WI | 6 | $ 599,000 | $ 99,833 | $ 73,000 |
| Kankakee-Bradley, IL | 6 | $ 927,000 | $ 154,500 | $ 65,000 |
| Lawrence, KS | 6 | $ 903,000 | $ 150,500 | $ 61,000 |
| Rocky Mount, NC | 6 | $ 729,000 | $ 121,500 | $ 62,000 |
| St. Cloud, MN | 6 | $ 842,000 | $ 140,333 | $ 62,000 |
| Anderson, IN | 5 | $ 425,000 | $ 85,000 | $ 45,000 |
| Anderson, SC | 5 | $ 782,000 | $ 156,400 | $ 89,000 |
| Burlington, NC | 5 | $ 752,000 | $ 150,400 | $ 70,000 |
| Champaign-Urbana, IL | 5 | $ 554,000 | $ 110,800 | $ 96,000 |
| Elmira, NY | 5 | $ 901,000 | $ 180,200 | $ 79,000 |
| Fort Smith, AR-OK | 5 | $ 1,059,000 | $ 211,800 | $ 81,000 |
| Great Falls, MT | 5 | $ 393,000 | $ 78,600 | $ 56,000 |
| Hattiesburg, MS | 5 | $ 840,000 | $ 168,000 | $ 98,000 |
| Houston-Baytown-Sugar Land, TX | 5 | $ 767,000 | $ 153,400 | $ 50,000 |
| Iowa City, IA | 5 | $ 844,000 | $ 168,800 | $ 95,000 |
| Ithaca, NY | 5 | $ 890,000 | $ 178,000 | $ 76,000 |
| Jackson, MI | 5 | $ 732,000 | $ 146,400 | $ 89,000 |
| Logan, UT-ID | 5 | $ 518,000 | $ 103,600 | $ 47,000 |
| Spartanburg, SC | 5 | $ 687,000 | $ 137,400 | $ 37,000 |
| Springfield, OH | 5 | $ 548,000 | $ 109,600 | $ 59,000 |
| Wausau, WI | 5 | $ 597,000 | $ 119,400 | $ 70,000 |
| Appleton, WI | 4 | $ 535,000 | $ 133,750 | $ 50,000 |
| Brunswick, GA | 4 | $ 743,000 | $ 185,750 | $ 53,000 |
| Casper, WY | 4 | $ 588,000 | $ 147,000 | $ 66,000 |
| Columbus, IN | 4 | $ 551,000 | $ 137,750 | $ 73,000 |
| Danville, VA | 4 | $ 518,000 | $ 129,500 | $ 54,000 |
| Elizabethtown, KY | 4 | $ 468,000 | $ 117,000 | $ 64,000 |
| Evansville, IN-KY | 4 | $ 392,000 | $ 98,000 | $ 73,000 |
| Fort Worth-Arlington, TX | 4 | $ 459,000 | $ 114,750 | $ 52,000 |
| Glens Falls, NY | 4 | $ 593,000 | $ 148,250 | $ 49,000 |
| Houma-Bayou Cane-Thibodaux, LA | 4 | $ 307,000 | $ 76,750 | $ 79,000 |
| Jackson, TN | 4 | $ 534,000 | $ 133,500 | $ 82,000 |
| Johnson City, TN | 4 | $ 513,000 | $ 128,250 | $ 61,000 |
| Joplin, MO | 4 | $ 582,000 | $ 145,500 | $ 82,000 |
| Lafayette, IN | 4 | $ 522,000 | $ 130,500 | $ 62,000 |
| Lima, OH | 4 | $ 574,000 | $ 143,500 | $ 59,000 |
| Michigan City-La Porte, IN | 4 | $ 376,000 | $ 94,000 | $ 61,000 |
| Morristown, TN | 4 | $ 741,000 | $ 185,250 | $ 57,000 |
| Newark-Union, NJ-PA | 4 | $ 478,000 | $ 119,500 | $ 85,000 |
| Niles-Benton Harbor, MI | 4 | $ 718,000 | $ 179,500 | $ 49,000 |
| Sheboygan, WI | 4 | $ 343,000 | $ 85,750 | $ 50,000 |
| Terre Haute, IN | 4 | $ 538,000 | $ 134,500 | $ 71,000 |
| Youngstown-Warren-Boardman, OH-PA | 4 | $ 655,000 | $ 163,750 | $ 82,000 |
| Albany, GA | 3 | $ 438,000 | $ 146,000 | $ 80,000 |
| Altoona, PA | 3 | $ 379,000 | $ 126,333 | $ 76,000 |
| Anniston-Oxford, AL | 3 | $ 356,000 | $ 118,666 | $ 67,000 |
| Bowling Green, KY | 3 | $ 189,000 | $ 63,000 | $ 74,000 |
| Fargo, ND-MN | 3 | $ 461,000 | $ 153,666 | $ 68,000 |
| Florence, SC | 3 | $ 394,000 | $ 131,333 | $ 68,000 |
| Gadsden, AL | 3 | $ 454,000 | $ 151,333 | $ 87,000 |
| Grand Forks, ND-MN | 3 | $ 375,000 | $ 125,000 | $ 93,000 |
| Lebanon, PA | 3 | $ 467,000 | $ 155,666 | $ 55,000 |
| Lewiston, ID-WA | 3 | $ 280,000 | $ 93,333 | $ 45,000 |
| Monroe, MI | 3 | $ 411,000 | $ 137,000 | $ 55,000 |
| Owensboro, KY | 3 | $ 210,000 | $ 70,000 | $ 74,000 |
| Waterloo-Cedar Falls, IA | 3 | $ 567,000 | $ 189,000 | $ 56,000 |
| Wichita Falls, TX | 3 | $ 247,000 | $ 82,333 | $ 39,000 |
| Williamsport, PA | 3 | $ 348,000 | $ 116,000 | $ 56,000 |
| Alexandria, LA | 2 | $ 268,000 | $ 134,000 | $ 55,000 |
| Ames, IA | 2 | $ 85,000 | $ 42,500 | $ 65,000 |
| Austin-Round Rock, TX | 2 | $ 262,000 | $ 131,000 | $ 56,000 |
| Bay City, MI | 2 | $ 131,000 | $ 65,500 | $ 51,000 |
| Clarksville, TN-KY | 2 | $ 209,000 | $ 104,500 | $ 77,000 |
| Cleveland, TN | 2 | $ 380,000 | $ 190,000 | $ 93,000 |
| Cumberland, MD-WV | 2 | $ 85,000 | $ 42,500 | $ 51,000 |
| Dallas-Plano-Irving, TX | 2 | $ 362,000 | $ 181,000 | $ 105,000 |
| Dalton, GA | 2 | $ 239,000 | $ 119,500 | $ 55,000 |
| Fond Du Lac, WI | 2 | $ 142,000 | $ 71,000 | $ 70,000 |
| Jefferson City, MO | 2 | $ 174,000 | $ 87,000 | $ 57,000 |
| Johnstown, PA | 2 | $ 243,000 | $ 121,500 | $ 65,000 |
| Jonesboro, AR | 2 | $ 354,000 | $ 177,000 | $ 75,000 |
| La Crosse, WI-MN | 2 | $ 177,000 | $ 88,500 | $ 71,000 |
| Rome, GA | 2 | $ 317,000 | $ 158,500 | $ 46,000 |
| San Antonio, TX | 2 | $ 494,000 | $ 247,000 | $ 98,000 |
| Sioux City, IA-NE-SD | 2 | $ 228,000 | $ 114,000 | $ 51,000 |
| Springfield, IL | 2 | $ 351,000 | $ 175,500 | $ 78,000 |
| Sumter, SC | 2 | $ 162,000 | $ 81,000 | $ 43,000 |
| Valdosta, GA | 2 | $ 310,000 | $ 155,000 | $ 58,000 |
| Weirton-Steubenville, WV-OH | 2 | $ 292,000 | $ 146,000 | $ 77,000 |
| Wheeling, WV-OH | 2 | $ 229,000 | $ 114,500 | $ 24,000 |
| Atlantic City, NJ | 1 | $ 86,000 | $ 86,000 | $ 87,000 |
| Corpus Christi, TX | 1 | $ 97,000 | $ 97,000 | $ 0 |
| Decatur, IL | 1 | $ 60,000 | $ 60,000 | $ 84,000 |
| Elkhart-Goshen, IN | 1 | $ 40,000 | $ 40,000 | $ 44,000 |
| Goldsboro, NC | 1 | $ 252,000 | $ 252,000 | $ 148,000 |
| Greenville, NC | 1 | $ 104,000 | $ 104,000 | $ 66,000 |
| Hinesville-Fort Stewart, GA | 1 | $ 137,000 | $ 137,000 | $ 132,000 |
| Hot Springs, AR | 1 | $ 360,000 | $ 360,000 | $ 86,000 |
| Kokomo, IN | 1 | $ 20,000 | $ 20,000 | $ 33,000 |
| Muncie, IN | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Ocean City, NJ | 1 | $ 56,000 | $ 56,000 | $ 84,000 |
| Pocatello, ID | 1 | $ 66,000 | $ 66,000 | $ 0 |
| St. Joseph, MO-KS | 1 | $ 116,000 | $ 116,000 | $ 125,000 |
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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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