Home Loan Center Mortgage Lending & HMDA Data, 2006
In 2006, Home Loan Center of Irvine, CA reported 71,992 mortgage applications totaling $12.0 billion, up 58% from 2005. The average application was for $167,292, and applicants reported an average income of $79,934. 59% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (2,582), Atlanta-Sandy Springs-Marietta, GA (2,214) and Phoenix-Mesa-Scottsdale, AZ (2,139) (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 | 71,992 |
| Total Mortgage Loan Application Amount | $12,043,698,000 |
| Average Mortgage Loan Application Amount | $167,292 |
| Highest Mortgage Loan Application Amount | $3,134,000 |
| Average Applicant Income | $79,934 |
| Highest Applicant Income | $2,430,000 |
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Act (HMDA) records Home Loan Center filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 2,582 | $ 623,512,000 | $ 241,484 | $ 95,577 |
| Atlanta-Sandy Springs-Marietta, GA | 2,214 | $ 308,699,000 | $ 139,430 | $ 80,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2,139 | $ 400,511,000 | $ 187,242 | $ 79,000 |
| Riverside-San Bernardino-Ontario, CA | 1,477 | $ 337,371,000 | $ 228,416 | $ 87,000 |
| Los Angeles-Long Beach-Glendale, CA | 1,447 | $ 396,754,000 | $ 274,190 | $ 93,000 |
| Philadelphia, PA | 1,447 | $ 235,152,000 | $ 162,510 | $ 80,000 |
| Baltimore-Towson, MD | 1,394 | $ 262,948,000 | $ 188,628 | $ 82,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1,348 | $ 209,108,000 | $ 155,124 | $ 76,000 |
| Chicago-Naperville-Joliet, IL | 1,267 | $ 210,950,000 | $ 166,495 | $ 86,000 |
| Orlando-Kissimmee, FL | 1,112 | $ 189,981,000 | $ 170,846 | $ 74,000 |
| New York-White Plains-Wayne, NY-NJ | 1,059 | $ 262,910,000 | $ 248,262 | $ 93,988 |
| Las Vegas-Paradise, NV | 971 | $ 194,913,000 | $ 200,734 | $ 82,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 968 | $ 158,232,000 | $ 163,462 | $ 73,956 |
| Nassau-Suffolk, NY | 825 | $ 199,246,000 | $ 241,510 | $ 103,000 |
| Denver-Aurora, CO | 797 | $ 114,273,000 | $ 143,378 | $ 79,000 |
| Richmond, VA | 724 | $ 112,601,000 | $ 155,526 | $ 81,000 |
| Portland-Vancouver-Beaverton, OR-WA | 720 | $ 115,736,000 | $ 160,744 | $ 73,191 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 693 | $ 135,970,000 | $ 196,204 | $ 81,000 |
| St. Louis, MO-IL | 676 | $ 80,524,000 | $ 119,118 | $ 75,878 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 668 | $ 113,989,000 | $ 170,642 | $ 81,925 |
| Jacksonville, FL | 651 | $ 92,770,000 | $ 142,503 | $ 74,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 617 | $ 143,241,000 | $ 232,157 | $ 84,000 |
| Kansas City, MO-KS | 605 | $ 68,463,000 | $ 113,161 | $ 76,766 |
| Miami-Miami Beach-Kendall, FL | 603 | $ 121,015,000 | $ 200,688 | $ 82,000 |
| Seattle-Bellevue-Everett, WA | 594 | $ 125,333,000 | $ 210,998 | $ 93,000 |
| Santa Ana-Anaheim-Irvine, CA | 587 | $ 181,622,000 | $ 309,407 | $ 114,000 |
| Warren-Troy-Farmington Hills, MI | 571 | $ 77,339,000 | $ 135,444 | $ 83,000 |
| Edison, NJ | 542 | $ 108,082,000 | $ 199,413 | $ 88,000 |
| Charlotte-Gastonia-Concord, NC-SC | 537 | $ 72,482,000 | $ 134,975 | $ 84,566 |
| Bethesda-Gaithersburg-Frederick, MD | 528 | $ 129,386,000 | $ 245,049 | $ 97,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 516 | $ 104,062,000 | $ 201,670 | $ 85,000 |
| Hartford-West Hartford-East Hartford, CT | 478 | $ 71,383,000 | $ 149,336 | $ 80,000 |
| San Diego-Carlsbad-San Marcos, CA | 464 | $ 122,142,000 | $ 263,237 | $ 98,000 |
| Providence-New Bedford-Fall River, RI-MA | 439 | $ 76,195,000 | $ 173,564 | $ 77,293 |
| Albuquerque, NM | 434 | $ 60,397,000 | $ 139,163 | $ 74,000 |
| Tucson, AZ | 423 | $ 64,128,000 | $ 151,602 | $ 75,000 |
| Pittsburgh, PA | 416 | $ 42,371,000 | $ 101,853 | $ 74,000 |
| Oakland-Fremont-Hayward, CA | 413 | $ 122,423,000 | $ 296,423 | $ 96,000 |
| Indianapolis-Carmel, IN | 409 | $ 43,736,000 | $ 106,933 | $ 78,000 |
| Newark-Union, NJ-PA | 396 | $ 79,745,000 | $ 201,376 | $ 91,272 |
| Cincinnati-Middletown, OH-KY-IN | 390 | $ 46,937,000 | $ 120,351 | $ 80,600 |
| Boston-Quincy, MA | 389 | $ 77,275,000 | $ 198,650 | $ 94,000 |
| Wilmington, DE-MD-NJ | 388 | $ 59,614,000 | $ 153,644 | $ 78,747 |
| Honolulu, HI | 373 | $ 109,954,000 | $ 294,782 | $ 81,000 |
| Salt Lake City, UT | 370 | $ 56,269,000 | $ 152,078 | $ 78,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 357 | $ 51,083,000 | $ 143,089 | $ 74,156 |
| Camden, NJ | 354 | $ 49,759,000 | $ 140,562 | $ 79,000 |
| New Haven-Milford, CT | 354 | $ 56,016,000 | $ 158,237 | $ 82,000 |
| Palm Bay-Melbourne-Titusville, FL | 344 | $ 54,652,000 | $ 158,872 | $ 71,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 344 | $ 64,800,000 | $ 188,372 | $ 81,000 |
| Oklahoma City, OK | 338 | $ 33,481,000 | $ 99,056 | $ 67,000 |
| Cape Coral-Fort Myers, FL | 332 | $ 60,350,000 | $ 181,777 | $ 72,000 |
| Nashville-Davidson--Murfreesboro, TN | 330 | $ 47,178,000 | $ 142,963 | $ 71,000 |
| Bakersfield, CA | 317 | $ 58,506,000 | $ 184,561 | $ 72,000 |
| Cleveland-Elyria-Mentor, OH | 307 | $ 37,374,000 | $ 121,739 | $ 85,000 |
| Detroit-Livonia-Dearborn, MI | 299 | $ 34,042,000 | $ 113,852 | $ 71,000 |
| Raleigh-Cary, NC | 286 | $ 39,880,000 | $ 139,440 | $ 84,000 |
| Sarasota-Bradenton-Venice, FL | 283 | $ 50,305,000 | $ 177,756 | $ 87,000 |
| Lakeland, FL | 282 | $ 40,683,000 | $ 144,265 | $ 66,000 |
| Fresno, CA | 281 | $ 51,308,000 | $ 182,590 | $ 70,000 |
| Birmingham-Hoover, AL | 279 | $ 33,782,000 | $ 121,082 | $ 71,000 |
| Worcester, MA | 278 | $ 46,696,000 | $ 167,971 | $ 84,000 |
| Bridgeport-Stamford-Norwalk, CT | 276 | $ 68,847,000 | $ 249,445 | $ 103,000 |
| Columbus, OH | 275 | $ 34,525,000 | $ 125,545 | $ 81,000 |
| Memphis, TN-MS-AR | 271 | $ 38,557,000 | $ 142,276 | $ 81,154 |
| Deltona-Daytona Beach-Ormond Beach, FL | 270 | $ 42,101,000 | $ 155,929 | $ 70,000 |
| Milwaukee-Waukesha-West Allis, WI | 269 | $ 31,983,000 | $ 118,895 | $ 77,000 |
| Cambridge-Newton-Framingham, MA | 268 | $ 53,085,000 | $ 198,078 | $ 93,000 |
| Albany-Schenectady-Troy, NY | 265 | $ 34,290,000 | $ 129,396 | $ 76,000 |
| Colorado Springs, CO | 256 | $ 33,646,000 | $ 131,429 | $ 82,000 |
| Anchorage, AK | 250 | $ 39,047,000 | $ 156,188 | $ 85,000 |
| Louisville-Jefferson County, KY-IN | 246 | $ 28,221,000 | $ 114,719 | $ 78,195 |
| Boise City-Nampa, ID | 245 | $ 36,636,000 | $ 149,534 | $ 72,000 |
| New Orleans-Metairie-Kenner, LA | 243 | $ 35,850,000 | $ 147,530 | $ 83,000 |
| Hagerstown-Martinsburg, MD-WV | 229 | $ 35,639,000 | $ 155,628 | $ 74,528 |
| Buffalo-Niagara Falls, NY | 226 | $ 19,971,000 | $ 88,367 | $ 82,000 |
| Rochester, NY | 220 | $ 21,009,000 | $ 95,495 | $ 74,000 |
| Tulsa, OK | 220 | $ 23,125,000 | $ 105,113 | $ 78,000 |
| Tacoma, WA | 216 | $ 37,674,000 | $ 174,416 | $ 77,000 |
| Port St. Lucie-Fort Pierce, FL | 210 | $ 35,100,000 | $ 167,142 | $ 71,000 |
| Reno-Sparks, NV | 209 | $ 43,691,000 | $ 209,047 | $ 82,000 |
| Pensacola-Ferry Pass-Brent, FL | 208 | $ 27,401,000 | $ 131,735 | $ 69,000 |
| Modesto, CA | 200 | $ 45,540,000 | $ 227,700 | $ 89,000 |
| Portland-South Portland-Biddeford, ME | 197 | $ 29,814,000 | $ 151,340 | $ 74,000 |
| Stockton, CA | 197 | $ 48,903,000 | $ 248,238 | $ 88,000 |
| York-Hanover, PA | 195 | $ 25,456,000 | $ 130,543 | $ 70,000 |
| Lake County-Kenosha County, IL-WI | 192 | $ 30,680,000 | $ 159,791 | $ 85,859 |
| Manchester-Nashua, NH | 191 | $ 28,603,000 | $ 149,753 | $ 80,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 188 | $ 63,297,000 | $ 336,686 | $ 118,000 |
| Omaha-Council Bluffs, NE-IA | 187 | $ 18,424,000 | $ 98,524 | $ 82,957 |
| Rockingham County-Strafford County, NH | 185 | $ 31,894,000 | $ 172,400 | $ 90,000 |
| Springfield, MA | 185 | $ 24,981,000 | $ 135,032 | $ 73,000 |
| Essex County, MA | 183 | $ 36,751,000 | $ 200,825 | $ 96,000 |
| Gary, IN | 177 | $ 20,857,000 | $ 117,836 | $ 75,000 |
| Lancaster, PA | 176 | $ 20,506,000 | $ 116,511 | $ 70,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 172 | $ 52,750,000 | $ 306,686 | $ 100,000 |
| Charleston-North Charleston, SC | 165 | $ 25,692,000 | $ 155,709 | $ 73,000 |
| Baton Rouge, LA | 163 | $ 19,350,000 | $ 118,711 | $ 75,000 |
| Ogden-Clearfield, UT | 155 | $ 16,836,000 | $ 108,619 | $ 76,000 |
| Provo-Orem, UT | 150 | $ 19,417,000 | $ 129,446 | $ 66,000 |
| Ocala, FL | 149 | $ 18,698,000 | $ 125,489 | $ 61,000 |
| Norwich-New London, CT | 147 | $ 23,635,000 | $ 160,782 | $ 77,000 |
| Harrisburg-Carlisle, PA | 144 | $ 16,296,000 | $ 113,166 | $ 80,000 |
| San Francisco-San Mateo-Redwood City, CA | 141 | $ 49,341,000 | $ 349,936 | $ 114,000 |
| Grand Rapids-Wyoming, MI | 136 | $ 13,262,000 | $ 97,514 | $ 59,000 |
| Reading, PA | 135 | $ 18,662,000 | $ 138,237 | $ 80,000 |
| Vallejo-Fairfield, CA | 133 | $ 34,172,000 | $ 256,932 | $ 89,000 |
| Salem, OR | 132 | $ 17,490,000 | $ 132,500 | $ 69,000 |
| Knoxville, TN | 130 | $ 18,587,000 | $ 142,976 | $ 69,000 |
| Visalia-Porterville, CA | 130 | $ 21,245,000 | $ 163,423 | $ 71,000 |
| Naples-Marco Island, FL | 129 | $ 28,120,000 | $ 217,984 | $ 86,000 |
| Scranton--Wilkes-Barre, PA | 129 | $ 12,349,000 | $ 95,728 | $ 70,000 |
| Akron, OH | 128 | $ 15,354,000 | $ 119,953 | $ 69,000 |
| Eugene-Springfield, OR | 128 | $ 17,690,000 | $ 138,203 | $ 67,000 |
| Des Moines-West Des Moines, IA | 123 | $ 12,201,000 | $ 99,195 | $ 71,000 |
| Columbia, SC | 120 | $ 13,381,000 | $ 111,508 | $ 78,000 |
| Lexington-Fayette, KY | 118 | $ 15,642,000 | $ 132,559 | $ 78,000 |
| Syracuse, NY | 118 | $ 11,562,000 | $ 97,983 | $ 74,000 |
| Fort Walton Beach-Crestview-Destin, FL | 117 | $ 18,706,000 | $ 159,880 | $ 74,000 |
| Tallahassee, FL | 115 | $ 17,288,000 | $ 150,330 | $ 75,000 |
| Roanoke, VA | 114 | $ 13,244,000 | $ 116,175 | $ 74,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 111 | $ 15,832,000 | $ 142,630 | $ 73,000 |
| Winston-Salem, NC | 111 | $ 12,031,000 | $ 108,387 | $ 78,000 |
| Chattanooga, TN-GA | 109 | $ 14,419,000 | $ 132,284 | $ 76,449 |
| Greenville, SC | 109 | $ 13,122,000 | $ 120,385 | $ 78,000 |
| Jackson, MS | 109 | $ 12,413,000 | $ 113,880 | $ 69,000 |
| Durham, NC | 107 | $ 15,053,000 | $ 140,682 | $ 80,000 |
| Dayton, OH | 106 | $ 12,404,000 | $ 117,018 | $ 82,000 |
| Greensboro-High Point, NC | 106 | $ 12,925,000 | $ 121,933 | $ 78,000 |
| Kingston, NY | 102 | $ 16,737,000 | $ 164,088 | $ 79,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 101 | $ 16,736,000 | $ 165,702 | $ 73,851 |
| Prescott, AZ | 101 | $ 18,639,000 | $ 184,544 | $ 76,000 |
| Springfield, MO | 101 | $ 10,421,000 | $ 103,178 | $ 67,000 |
| Asheville, NC | 100 | $ 15,020,000 | $ 150,200 | $ 74,000 |
| Augusta-Richmond County, GA-SC | 99 | $ 9,749,000 | $ 98,474 | $ 71,090 |
| Wichita, KS | 99 | $ 8,446,000 | $ 85,313 | $ 75,000 |
| Charlottesville, VA | 95 | $ 18,601,000 | $ 195,800 | $ 87,000 |
| Huntsville, AL | 95 | $ 9,703,000 | $ 102,136 | $ 83,000 |
| Fort Collins-Loveland, CO | 94 | $ 11,523,000 | $ 122,585 | $ 78,000 |
| Panama City-Lynn Haven, FL | 94 | $ 14,961,000 | $ 159,159 | $ 74,000 |
| Toledo, OH | 93 | $ 9,757,000 | $ 104,913 | $ 75,000 |
| Mobile, AL | 91 | $ 10,030,000 | $ 110,219 | $ 69,000 |
| Greeley, CO | 90 | $ 11,912,000 | $ 132,355 | $ 77,000 |
| Spokane, WA | 90 | $ 11,785,000 | $ 130,944 | $ 77,000 |
| Flint, MI | 89 | $ 10,292,000 | $ 115,640 | $ 77,000 |
| Dover, DE | 87 | $ 11,579,000 | $ 133,091 | $ 76,000 |
| Lansing-East Lansing, MI | 87 | $ 10,393,000 | $ 119,459 | $ 69,000 |
| Savannah, GA | 87 | $ 10,789,000 | $ 124,011 | $ 72,000 |
| Ann Arbor, MI | 86 | $ 14,011,000 | $ 162,918 | $ 93,000 |
| Little Rock-North Little Rock, AR | 84 | $ 11,941,000 | $ 142,154 | $ 65,000 |
| Merced, CA | 83 | $ 17,884,000 | $ 215,469 | $ 61,000 |
| Bremerton-Silverdale, WA | 82 | $ 13,950,000 | $ 170,121 | $ 76,000 |
| Madison, WI | 82 | $ 11,795,000 | $ 143,841 | $ 76,000 |
| Salisbury, MD | 81 | $ 10,602,000 | $ 130,888 | $ 56,000 |
| Punta Gorda, FL | 80 | $ 13,179,000 | $ 164,737 | $ 76,000 |
| Sebastian-Vero Beach, FL | 80 | $ 11,529,000 | $ 144,112 | $ 68,000 |
| Trenton-Ewing, NJ | 80 | $ 12,608,000 | $ 157,600 | $ 96,000 |
| Barnstable Town, MA | 78 | $ 17,883,000 | $ 229,269 | $ 77,000 |
| Wilmington, NC | 78 | $ 11,438,000 | $ 146,641 | $ 61,000 |
| Gainesville, FL | 77 | $ 11,035,000 | $ 143,311 | $ 69,000 |
| Chico, CA | 75 | $ 13,908,000 | $ 185,440 | $ 80,000 |
| Fort Wayne, IN | 73 | $ 6,784,000 | $ 92,931 | $ 73,000 |
| Redding, CA | 73 | $ 14,542,000 | $ 199,205 | $ 76,000 |
| Bend, OR | 72 | $ 13,737,000 | $ 190,791 | $ 70,000 |
| Burlington-South Burlington, VT | 72 | $ 11,104,000 | $ 154,222 | $ 74,000 |
| Santa Barbara-Santa Maria, CA | 72 | $ 20,798,000 | $ 288,861 | $ 89,000 |
| Yuba City, CA | 72 | $ 12,259,000 | $ 170,263 | $ 68,000 |
| Olympia, WA | 71 | $ 10,890,000 | $ 153,380 | $ 70,000 |
| Gulfport-Biloxi, MS | 70 | $ 8,471,000 | $ 121,014 | $ 83,000 |
| Yuma, AZ | 70 | $ 9,594,000 | $ 137,057 | $ 64,000 |
| Santa Rosa-Petaluma, CA | 69 | $ 21,385,000 | $ 309,927 | $ 98,000 |
| Youngstown-Warren-Boardman, OH-PA | 68 | $ 6,712,000 | $ 98,705 | $ 65,882 |
| Boulder, CO | 67 | $ 9,128,000 | $ 136,238 | $ 81,000 |
| Madera, CA | 66 | $ 14,677,000 | $ 222,378 | $ 77,000 |
| Medford, OR | 65 | $ 13,590,000 | $ 209,076 | $ 70,000 |
| Winchester, VA-WV | 65 | $ 11,425,000 | $ 175,769 | $ 82,553 |
| Billings, MT | 64 | $ 6,556,000 | $ 102,437 | $ 64,000 |
| Flagstaff, AZ | 64 | $ 12,945,000 | $ 202,265 | $ 94,000 |
| Gainesville, GA | 63 | $ 8,787,000 | $ 139,476 | $ 80,000 |
| Montgomery, AL | 63 | $ 7,039,000 | $ 111,730 | $ 71,000 |
| Kalamazoo-Portage, MI | 61 | $ 6,613,000 | $ 108,409 | $ 73,000 |
| Fayetteville, NC | 60 | $ 4,768,000 | $ 79,466 | $ 71,000 |
| San Luis Obispo-Paso Robles, CA | 60 | $ 16,782,000 | $ 279,700 | $ 90,000 |
| Columbus, GA-AL | 59 | $ 8,283,000 | $ 140,389 | $ 81,203 |
| Shreveport-Bossier City, LA | 57 | $ 7,301,000 | $ 128,087 | $ 72,000 |
| Grand Junction, CO | 56 | $ 7,878,000 | $ 140,678 | $ 66,000 |
| Atlantic City, NJ | 55 | $ 9,158,000 | $ 166,509 | $ 79,000 |
| Canton-Massillon, OH | 55 | $ 6,203,000 | $ 112,781 | $ 68,000 |
| Davenport-Moline-Rock Island, IA-IL | 55 | $ 5,430,000 | $ 98,727 | $ 73,600 |
| Lynchburg, VA | 55 | $ 6,878,000 | $ 125,054 | $ 69,000 |
| Pascagoula, MS | 55 | $ 6,938,000 | $ 126,145 | $ 67,000 |
| Binghamton, NY | 53 | $ 4,977,000 | $ 93,905 | $ 75,000 |
| Charleston, WV | 53 | $ 5,688,000 | $ 107,320 | $ 76,000 |
| Coeur D'Alene, ID | 53 | $ 7,634,000 | $ 144,037 | $ 81,000 |
| Rockford, IL | 53 | $ 5,315,000 | $ 100,283 | $ 62,000 |
| Evansville, IN-KY | 52 | $ 5,284,000 | $ 101,615 | $ 67,576 |
| Holland-Grand Haven, MI | 52 | $ 6,060,000 | $ 116,538 | $ 77,000 |
| Monroe, MI | 51 | $ 6,087,000 | $ 119,352 | $ 69,000 |
| Santa Fe, NM | 51 | $ 9,664,000 | $ 189,490 | $ 76,000 |
| South Bend-Mishawaka, IN-MI | 51 | $ 5,962,000 | $ 116,901 | $ 76,294 |
| Glens Falls, NY | 50 | $ 5,729,000 | $ 114,580 | $ 62,000 |
| Hickory-Lenoir-Morganton, NC | 50 | $ 5,581,000 | $ 111,620 | $ 71,000 |
| Las Cruces, NM | 50 | $ 6,775,000 | $ 135,500 | $ 77,000 |
| Bellingham, WA | 49 | $ 8,190,000 | $ 167,142 | $ 64,000 |
| Clarksville, TN-KY | 49 | $ 5,519,000 | $ 112,632 | $ 74,877 |
| El Centro, CA | 49 | $ 8,421,000 | $ 171,857 | $ 77,000 |
| Lincoln, NE | 49 | $ 4,600,000 | $ 93,877 | $ 76,000 |
| Salinas, CA | 49 | $ 14,653,000 | $ 299,040 | $ 91,000 |
| Lafayette, LA | 48 | $ 5,902,000 | $ 122,958 | $ 76,000 |
| Athens-Clarke County, GA | 46 | $ 6,070,000 | $ 131,956 | $ 83,000 |
| Utica-Rome, NY | 46 | $ 4,411,000 | $ 95,891 | $ 74,000 |
| Elkhart-Goshen, IN | 45 | $ 4,606,000 | $ 102,355 | $ 72,000 |
| Cedar Rapids, IA | 44 | $ 4,109,000 | $ 93,386 | $ 76,000 |
| Hanford-Corcoran, CA | 43 | $ 7,395,000 | $ 171,976 | $ 80,000 |
| Huntington-Ashland, WV-KY-OH | 43 | $ 5,087,000 | $ 118,302 | $ 65,953 |
| Sioux Falls, SD | 43 | $ 3,051,000 | $ 70,953 | $ 63,000 |
| Warner Robins, GA | 43 | $ 4,459,000 | $ 103,697 | $ 73,000 |
| Duluth, MN-WI | 42 | $ 5,636,000 | $ 134,190 | $ 66,571 |
| Columbia, MO | 41 | $ 3,891,000 | $ 94,902 | $ 84,000 |
| St. George, UT | 41 | $ 7,490,000 | $ 182,682 | $ 86,000 |
| Spartanburg, SC | 40 | $ 4,548,000 | $ 113,700 | $ 70,000 |
| Casper, WY | 39 | $ 4,170,000 | $ 106,923 | $ 61,000 |
| Missoula, MT | 39 | $ 6,603,000 | $ 169,307 | $ 79,000 |
| Topeka, KS | 39 | $ 3,906,000 | $ 100,153 | $ 67,000 |
| Vineland-Millville-Bridgeton, NJ | 39 | $ 4,159,000 | $ 106,641 | $ 68,000 |
| Bloomington, IN | 38 | $ 3,489,000 | $ 91,815 | $ 71,000 |
| Erie, PA | 38 | $ 3,164,000 | $ 83,263 | $ 80,000 |
| Fairbanks, AK | 38 | $ 4,608,000 | $ 121,263 | $ 78,000 |
| Joplin, MO | 38 | $ 4,543,000 | $ 119,552 | $ 72,000 |
| Farmington, NM | 37 | $ 4,959,000 | $ 134,027 | $ 71,000 |
| Kennewick-Richland-Pasco, WA | 37 | $ 3,749,000 | $ 101,324 | $ 103,000 |
| Peoria, IL | 37 | $ 3,317,000 | $ 89,648 | $ 73,000 |
| Kingsport-Bristol-Bristol, TN-VA | 36 | $ 4,105,000 | $ 114,027 | $ 51,888 |
| Lafayette, IN | 35 | $ 4,006,000 | $ 114,457 | $ 84,000 |
| Rapid City, SD | 34 | $ 3,846,000 | $ 113,117 | $ 70,000 |
| Cheyenne, WY | 33 | $ 3,981,000 | $ 120,636 | $ 73,000 |
| Niles-Benton Harbor, MI | 33 | $ 3,783,000 | $ 114,636 | $ 72,000 |
| Pueblo, CO | 33 | $ 3,395,000 | $ 102,878 | $ 83,000 |
| Racine, WI | 32 | $ 3,831,000 | $ 119,718 | $ 79,000 |
| Saginaw-Saginaw Township North, MI | 32 | $ 3,612,000 | $ 112,875 | $ 62,000 |
| Bangor, ME | 31 | $ 2,721,000 | $ 87,774 | $ 58,000 |
| Idaho Falls, ID | 31 | $ 3,278,000 | $ 105,741 | $ 105,000 |
| Jackson, MI | 31 | $ 2,992,000 | $ 96,516 | $ 64,000 |
| Morgantown, WV | 31 | $ 4,005,000 | $ 129,193 | $ 72,000 |
| Battle Creek, MI | 30 | $ 3,021,000 | $ 100,700 | $ 77,000 |
| Dallas-Plano-Irving, TX | 30 | $ 4,002,000 | $ 133,400 | $ 106,000 |
| Johnson City, TN | 30 | $ 4,463,000 | $ 148,766 | $ 53,000 |
| Monroe, LA | 30 | $ 3,169,000 | $ 105,633 | $ 93,000 |
| Fargo, ND-MN | 29 | $ 2,514,000 | $ 86,689 | $ 63,413 |
| Jacksonville, NC | 29 | $ 2,220,000 | $ 76,551 | $ 69,000 |
| Lewiston-Auburn, ME | 29 | $ 3,393,000 | $ 117,000 | $ 91,000 |
| Blacksburg-Christiansburg-Radford, VA | 28 | $ 3,364,000 | $ 120,142 | $ 49,000 |
| Houma-Bayou Cane-Thibodaux, LA | 28 | $ 3,437,000 | $ 122,750 | $ 79,000 |
| Houston-Sugar Land-Baytown, TX | 28 | $ 3,784,000 | $ 135,142 | $ 79,000 |
| Pittsfield, MA | 28 | $ 3,696,000 | $ 132,000 | $ 57,000 |
| Yakima, WA | 28 | $ 2,790,000 | $ 99,642 | $ 72,000 |
| Great Falls, MT | 27 | $ 2,326,000 | $ 86,148 | $ 70,000 |
| Green Bay, WI | 27 | $ 3,292,000 | $ 121,925 | $ 80,000 |
| Albany, GA | 26 | $ 3,609,000 | $ 138,807 | $ 89,000 |
| Bloomington-Normal, IL | 26 | $ 3,868,000 | $ 148,769 | $ 90,000 |
| Cumberland, MD-WV | 26 | $ 2,658,000 | $ 102,230 | $ 66,230 |
| Muskegon-Norton Shores, MI | 26 | $ 3,010,000 | $ 115,769 | $ 51,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 26 | $ 2,185,000 | $ 84,038 | $ 65,000 |
| Santa Cruz-Watsonville, CA | 26 | $ 8,232,000 | $ 316,615 | $ 96,000 |
| State College, PA | 26 | $ 2,631,000 | $ 101,192 | $ 111,000 |
| Anderson, SC | 25 | $ 3,392,000 | $ 135,680 | $ 77,000 |
| Florence-Muscle Shoals, AL | 25 | $ 2,641,000 | $ 105,640 | $ 76,000 |
| Lebanon, PA | 25 | $ 2,745,000 | $ 109,800 | $ 71,000 |
| Longview, WA | 25 | $ 4,289,000 | $ 171,560 | $ 80,000 |
| Burlington, NC | 24 | $ 2,535,000 | $ 105,625 | $ 77,000 |
| Dothan, AL | 24 | $ 2,600,000 | $ 108,333 | $ 80,000 |
| Elizabethtown, KY | 24 | $ 2,390,000 | $ 99,583 | $ 68,000 |
| Wenatchee, WA | 24 | $ 4,100,000 | $ 170,833 | $ 83,000 |
| Carson City, NV | 23 | $ 4,235,000 | $ 184,130 | $ 65,000 |
| Greenville, NC | 23 | $ 2,159,000 | $ 93,869 | $ 67,000 |
| Sioux City, IA-NE-SD | 23 | $ 2,038,000 | $ 88,608 | $ 75,478 |
| Auburn-Opelika, AL | 22 | $ 2,512,000 | $ 114,181 | $ 88,000 |
| Brunswick, GA | 22 | $ 3,200,000 | $ 145,454 | $ 70,000 |
| Corvallis, OR | 22 | $ 2,973,000 | $ 135,136 | $ 67,000 |
| Eau Claire, WI | 22 | $ 1,914,000 | $ 87,000 | $ 80,000 |
| Florence, SC | 22 | $ 2,218,000 | $ 100,818 | $ 73,000 |
| La Crosse, WI-MN | 22 | $ 2,412,000 | $ 109,636 | $ 62,545 |
| Altoona, PA | 21 | $ 1,762,000 | $ 83,904 | $ 74,000 |
| Austin-Round Rock, TX | 21 | $ 3,233,000 | $ 153,952 | $ 133,000 |
| Fort Smith, AR-OK | 21 | $ 3,444,000 | $ 164,000 | $ 96,476 |
| Harrisonburg, VA | 21 | $ 2,758,000 | $ 131,333 | $ 80,000 |
| Lake Charles, LA | 21 | $ 2,590,000 | $ 123,333 | $ 82,000 |
| Napa, CA | 21 | $ 6,335,000 | $ 301,666 | $ 75,000 |
| Sheboygan, WI | 21 | $ 2,193,000 | $ 104,428 | $ 60,000 |
| Alexandria, LA | 20 | $ 2,115,000 | $ 105,750 | $ 70,000 |
| Lawton, OK | 20 | $ 1,821,000 | $ 91,050 | $ 60,000 |
| Logan, UT-ID | 20 | $ 2,366,000 | $ 118,300 | $ 58,000 |
| Macon, GA | 20 | $ 1,992,000 | $ 99,600 | $ 65,000 |
| Michigan City-La Porte, IN | 20 | $ 1,752,000 | $ 87,600 | $ 68,000 |
| Springfield, IL | 20 | $ 2,642,000 | $ 132,100 | $ 86,000 |
| Anderson, IN | 19 | $ 1,459,000 | $ 76,789 | $ 75,000 |
| Dalton, GA | 19 | $ 2,235,000 | $ 117,631 | $ 52,000 |
| Hinesville-Fort Stewart, GA | 19 | $ 1,489,000 | $ 78,368 | $ 63,000 |
| Mansfield, OH | 19 | $ 1,815,000 | $ 95,526 | $ 67,000 |
| Morristown, TN | 19 | $ 2,774,000 | $ 146,000 | $ 52,000 |
| Rochester, MN | 19 | $ 2,587,000 | $ 136,157 | $ 67,000 |
| Rome, GA | 19 | $ 2,608,000 | $ 137,263 | $ 56,000 |
| Appleton, WI | 18 | $ 1,890,000 | $ 105,000 | $ 76,000 |
| Janesville, WI | 18 | $ 1,507,000 | $ 83,722 | $ 66,000 |
| Johnstown, PA | 18 | $ 1,746,000 | $ 97,000 | $ 76,000 |
| Mount Vernon-Anacortes, WA | 18 | $ 3,520,000 | $ 195,555 | $ 85,000 |
| Muncie, IN | 18 | $ 1,683,000 | $ 93,500 | $ 86,000 |
| Ocean City, NJ | 18 | $ 3,690,000 | $ 205,000 | $ 83,000 |
| Pocatello, ID | 18 | $ 1,720,000 | $ 95,555 | $ 77,000 |
| St. Joseph, MO-KS | 18 | $ 2,473,000 | $ 137,388 | $ 72,000 |
| Tuscaloosa, AL | 18 | $ 2,223,000 | $ 123,500 | $ 92,000 |
| Valdosta, GA | 18 | $ 2,325,000 | $ 129,166 | $ 69,000 |
| Columbus, IN | 17 | $ 1,915,000 | $ 112,647 | $ 75,000 |
| Elmira, NY | 17 | $ 1,592,000 | $ 93,647 | $ 62,000 |
| Hattiesburg, MS | 17 | $ 1,698,000 | $ 99,882 | $ 65,000 |
| Jefferson City, MO | 17 | $ 1,486,000 | $ 87,411 | $ 70,000 |
| Lawrence, KS | 17 | $ 2,120,000 | $ 124,705 | $ 80,000 |
| Williamsport, PA | 17 | $ 1,357,000 | $ 79,823 | $ 64,000 |
| Danville, VA | 16 | $ 1,760,000 | $ 110,000 | $ 58,000 |
| Goldsboro, NC | 16 | $ 1,313,000 | $ 82,062 | $ 59,000 |
| Iowa City, IA | 16 | $ 2,305,000 | $ 144,062 | $ 68,000 |
| St. Cloud, MN | 16 | $ 1,679,000 | $ 104,937 | $ 68,000 |
| Sumter, SC | 16 | $ 1,918,000 | $ 119,875 | $ 85,000 |
| Anniston-Oxford, AL | 15 | $ 1,568,000 | $ 104,533 | $ 71,000 |
| Champaign-Urbana, IL | 15 | $ 1,529,000 | $ 101,933 | $ 72,000 |
| Kokomo, IN | 15 | $ 1,455,000 | $ 97,000 | $ 63,000 |
| Springfield, OH | 15 | $ 1,338,000 | $ 89,200 | $ 70,000 |
| Waterloo-Cedar Falls, IA | 15 | $ 1,763,000 | $ 117,533 | $ 77,000 |
| Bay City, MI | 13 | $ 911,000 | $ 70,076 | $ 61,000 |
| Jackson, TN | 13 | $ 1,987,000 | $ 152,846 | $ 90,000 |
| Wheeling, WV-OH | 13 | $ 1,605,000 | $ 123,461 | $ 75,846 |
| Danville, IL | 12 | $ 1,165,000 | $ 97,083 | $ 91,000 |
| Jonesboro, AR | 12 | $ 1,732,000 | $ 144,333 | $ 55,000 |
| Rocky Mount, NC | 12 | $ 1,052,000 | $ 87,666 | $ 76,000 |
| Terre Haute, IN | 12 | $ 1,232,000 | $ 102,666 | $ 63,000 |
| Ames, IA | 11 | $ 1,331,000 | $ 121,000 | $ 79,000 |
| Bismarck, ND | 11 | $ 1,253,000 | $ 113,909 | $ 80,000 |
| Cleveland, TN | 11 | $ 1,671,000 | $ 151,909 | $ 69,000 |
| Decatur, AL | 11 | $ 1,342,000 | $ 122,000 | $ 97,000 |
| Fort Worth-Arlington, TX | 11 | $ 1,390,000 | $ 126,363 | $ 98,000 |
| Lewiston, ID-WA | 11 | $ 1,315,000 | $ 119,545 | $ 81,636 |
| Decatur, IL | 10 | $ 887,000 | $ 88,700 | $ 76,000 |
| Gadsden, AL | 10 | $ 1,384,000 | $ 138,400 | $ 56,000 |
| Hot Springs, AR | 10 | $ 1,426,000 | $ 142,600 | $ 59,000 |
| Kankakee-Bradley, IL | 10 | $ 1,198,000 | $ 119,800 | $ 63,000 |
| Lima, OH | 10 | $ 1,126,000 | $ 112,600 | $ 66,000 |
| Oshkosh-Neenah, WI | 10 | $ 967,000 | $ 96,700 | $ 67,000 |
| Owensboro, KY | 10 | $ 1,115,000 | $ 111,500 | $ 94,000 |
| San Antonio, TX | 9 | $ 1,318,000 | $ 146,444 | $ 112,000 |
| Wausau, WI | 9 | $ 944,000 | $ 104,888 | $ 60,000 |
| Weirton-Steubenville, WV-OH | 9 | $ 736,000 | $ 81,777 | $ 79,000 |
| Ithaca, NY | 8 | $ 1,368,000 | $ 171,000 | $ 74,000 |
| Bowling Green, KY | 7 | $ 853,000 | $ 121,857 | $ 76,000 |
| Dubuque, IA | 7 | $ 446,000 | $ 63,714 | $ 57,000 |
| Sandusky, OH | 7 | $ 772,000 | $ 110,285 | $ 56,000 |
| Fond Du Lac, WI | 6 | $ 503,000 | $ 83,833 | $ 42,000 |
| Grand Forks, ND-MN | 5 | $ 545,000 | $ 109,000 | $ 87,000 |
| Pine Bluff, AR | 4 | $ 567,000 | $ 141,750 | $ 87,000 |
| El Paso, TX | 2 | $ 351,000 | $ 175,500 | $ 144,000 |
| Killeen-Temple-Fort Hood, TX | 2 | $ 360,000 | $ 180,000 | $ 74,000 |
| Longview, TX | 2 | $ 228,000 | $ 114,000 | $ 71,000 |
| Sherman-Denison, TX | 2 | $ 418,000 | $ 209,000 | $ 105,000 |
| Texarkana, Tx-Texarkana, AR | 2 | $ 347,000 | $ 173,500 | $ 92,000 |
| Beaumont-Port Arthur, TX | 1 | $ 265,000 | $ 265,000 | $ 180,000 |
| Laredo, TX | 1 | $ 146,000 | $ 146,000 | $ 71,000 |
| Lubbock, TX | 1 | $ 236,000 | $ 236,000 | $ 116,000 |
| Midland, TX | 1 | $ 118,000 | $ 118,000 | $ 61,000 |
| Odessa, TX | 1 | $ 70,000 | $ 70,000 | $ 26,000 |
Mortgage Loan Application Detail Totals for Home Loan Center in 2006
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 | 58,371 | $9,713,256,000 | $166,000 | $3,134,000 | $79,000 | $2,400,000 |
| Home Purchase | 9,611 | $1,652,223,000 | $171,000 | $1,223,000 | $86,000 | $2,430,000 |
| Home Improvement | 4,010 | $678,219,000 | $169,000 | $850,000 | $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 | 48,188 | $7,878,318,000 | $163,000 | $3,134,000 | $81,000 | $2,430,000 |
| Not Provided | 13,207 | $2,160,458,000 | $163,000 | $1,000,000 | $78,000 | $1,080,000 |
| Hispanic | 4,857 | $907,987,000 | $186,000 | $945,000 | $76,000 | $1,080,000 |
| Black or African American | 3,610 | $619,538,000 | $171,000 | $1,125,000 | $76,000 | $2,160,000 |
| Asian | 1,401 | $318,025,000 | $226,000 | $1,000,000 | $94,000 | $728,000 |
| Native Hawaiian or Other Pacific Islander | 472 | $114,327,000 | $242,000 | $870,000 | $84,000 | $700,000 |
| American Indian or Alaskan Native | 257 | $45,045,000 | $175,000 | $679,000 | $78,000 | $298,000 |
| 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) | 71,992 | $12,043,698,000 | $167,000 | $3,134,000 | $80,000 | $2,430,000 |
| 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 | 42,235 | $7,050,831,000 | $166,000 | $1,200,000 | $81,000 | $2,430,000 |
| Application Withdrawn By Applicant | 19,479 | $3,225,374,000 | $165,000 | $3,134,000 | $78,000 | $2,400,000 |
| Application Denied By Financial Institution | 10,276 | $1,766,893,000 | $171,000 | $1,427,000 | $78,000 | $900,000 |
| Application Approved But Not Accepted | 2 | $600,000 | $300,000 | $500,000 | $101,000 | $120,000 |
| 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 | 5,187 | $926,427,000 | $178,000 | $1,400,000 | $80,000 | $900,000 |
| Credit History | 1,380 | $218,043,000 | $158,000 | $938,000 | $71,000 | $684,000 |
| Debt-To-Income Ratio | 1,081 | $189,548,000 | $175,000 | $1,000,000 | $72,000 | $343,000 |
| Other | 1,075 | $169,758,000 | $157,000 | $955,000 | $79,000 | $684,000 |
| Unverifiable Information | 646 | $107,493,000 | $166,000 | $1,427,000 | $81,000 | $611,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 497 | $89,442,000 | $179,000 | $740,000 | $80,000 | $684,000 |
| Employment History | 170 | $25,681,000 | $151,000 | $500,000 | $69,000 | $256,000 |
| Credit Application Incomplete | 106 | $17,221,000 | $162,000 | $473,000 | $74,000 | $780,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Home Loan Center's 2006 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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