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Act (HMDA) records Home Loan Center filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Atlanta-Sandy Springs-Marietta, GA | 753 | $ 142,541,000 | $ 189,297 | $ 82,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 597 | $ 157,916,000 | $ 264,515 | $ 99,458 |
| Phoenix-Mesa-Scottsdale, AZ | 469 | $ 98,327,000 | $ 209,652 | $ 84,000 |
| Los Angeles-Long Beach-Glendale, CA | 421 | $ 118,606,000 | $ 281,724 | $ 90,000 |
| Philadelphia, PA | 395 | $ 88,902,000 | $ 225,068 | $ 92,000 |
| Riverside-San Bernardino-Ontario, CA | 381 | $ 91,049,000 | $ 238,973 | $ 84,000 |
| Baltimore-Towson, MD | 377 | $ 87,192,000 | $ 231,278 | $ 90,000 |
| New York-White Plains-Wayne, NY-NJ | 331 | $ 92,884,000 | $ 280,616 | $ 99,549 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 266 | $ 56,106,000 | $ 210,924 | $ 78,909 |
| Charlotte-Gastonia-Concord, NC-SC | 239 | $ 45,876,000 | $ 191,949 | $ 79,414 |
| Las Vegas-Paradise, NV | 237 | $ 55,435,000 | $ 233,902 | $ 88,000 |
| Edison-New Brunswick, NJ | 236 | $ 60,151,000 | $ 254,877 | $ 95,000 |
| Tampa-St. Petersburg-Clearwater, FL | 228 | $ 41,067,000 | $ 180,118 | $ 79,000 |
| Orlando-Kissimmee, FL | 221 | $ 44,579,000 | $ 201,714 | $ 77,000 |
| Nassau-Suffolk, NY | 213 | $ 60,309,000 | $ 283,140 | $ 104,000 |
| Portland-Vancouver-Beaverton, OR-WA | 212 | $ 47,834,000 | $ 225,632 | $ 82,622 |
| Richmond, VA | 211 | $ 43,118,000 | $ 204,350 | $ 75,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 201 | $ 41,853,000 | $ 208,223 | $ 78,970 |
| Kansas City, MO-KS | 199 | $ 33,674,000 | $ 169,216 | $ 82,939 |
| Denver-Aurora, CO | 197 | $ 42,573,000 | $ 216,106 | $ 86,000 |
| St. Louis, MO-IL | 189 | $ 33,989,000 | $ 179,835 | $ 79,000 |
| Chicago-Naperville-Joliet, IL | 184 | $ 37,751,000 | $ 205,168 | $ 87,000 |
| Newark-Union, NJ-PA | 180 | $ 47,131,000 | $ 261,838 | $ 104,083 |
| Camden, NJ | 178 | $ 37,056,000 | $ 208,179 | $ 86,000 |
| Houston-Sugar Land-Baytown, TX | 168 | $ 30,676,000 | $ 182,595 | $ 88,000 |
| Santa Ana-Anaheim-Irvine, CA | 165 | $ 50,651,000 | $ 306,975 | $ 113,000 |
| Seattle-Bellevue-Everett, WA | 158 | $ 41,965,000 | $ 265,601 | $ 90,000 |
| Indianapolis-Carmel, IN | 155 | $ 24,807,000 | $ 160,045 | $ 77,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 152 | $ 26,579,000 | $ 174,861 | $ 73,000 |
| Raleigh-Cary, NC | 146 | $ 27,447,000 | $ 187,993 | $ 81,000 |
| San Diego-Carlsbad-San Marcos, CA | 146 | $ 39,849,000 | $ 272,938 | $ 96,000 |
| Pittsburgh, PA | 144 | $ 24,134,000 | $ 167,597 | $ 84,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 144 | $ 33,479,000 | $ 232,493 | $ 87,000 |
| Warren-Troy-Farmington Hills, MI | 144 | $ 25,955,000 | $ 180,243 | $ 88,000 |
| Memphis, TN-MS-AR | 131 | $ 23,191,000 | $ 177,030 | $ 79,496 |
| Miami-Miami Beach-Kendall, FL | 130 | $ 28,857,000 | $ 221,976 | $ 91,000 |
| Albuquerque, NM | 127 | $ 23,250,000 | $ 183,070 | $ 75,000 |
| Oakland-Fremont-Hayward, CA | 124 | $ 37,278,000 | $ 300,629 | $ 100,000 |
| Dallas-Plano-Irving, TX | 123 | $ 22,218,000 | $ 180,634 | $ 89,000 |
| Hartford-West Hartford-East Hartford, CT | 121 | $ 26,129,000 | $ 215,942 | $ 91,000 |
| Providence-New Bedford-Fall River, RI-MA | 120 | $ 26,184,000 | $ 218,200 | $ 80,925 |
| Bethesda-Frederick-Gaithersburg, MD | 118 | $ 31,507,000 | $ 267,008 | $ 106,000 |
| Boston-Quincy, MA | 118 | $ 30,829,000 | $ 261,262 | $ 97,000 |
| Wilmington, DE-MD-NJ | 116 | $ 23,391,000 | $ 201,646 | $ 77,517 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 115 | $ 24,133,000 | $ 209,852 | $ 84,000 |
| Albany-Schenectady-Troy, NY | 112 | $ 20,594,000 | $ 183,875 | $ 86,000 |
| Tucson, AZ | 110 | $ 21,212,000 | $ 192,836 | $ 78,000 |
| Jacksonville, FL | 109 | $ 21,764,000 | $ 199,669 | $ 79,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 108 | $ 22,059,000 | $ 204,250 | $ 82,185 |
| New Orleans-Metairie-Kenner, LA | 104 | $ 18,420,000 | $ 177,115 | $ 74,000 |
| Birmingham-Hoover, AL | 103 | $ 19,317,000 | $ 187,543 | $ 79,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 98 | $ 23,922,000 | $ 244,102 | $ 90,000 |
| Tulsa, OK | 92 | $ 15,539,000 | $ 168,902 | $ 80,000 |
| Gary, IN | 89 | $ 16,385,000 | $ 184,101 | $ 80,000 |
| New Haven-Milford, CT | 89 | $ 18,819,000 | $ 211,449 | $ 82,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 86 | $ 18,872,000 | $ 219,441 | $ 86,000 |
| Oklahoma City, OK | 84 | $ 15,130,000 | $ 180,119 | $ 80,000 |
| Tacoma, WA | 81 | $ 20,040,000 | $ 247,407 | $ 86,000 |
| Baton Rouge, LA | 80 | $ 14,155,000 | $ 176,937 | $ 79,000 |
| Buffalo-Niagara Falls, NY | 73 | $ 11,200,000 | $ 153,424 | $ 87,000 |
| Cambridge-Newton-Framingham, MA | 72 | $ 17,390,000 | $ 241,527 | $ 92,000 |
| Worcester, MA | 71 | $ 15,065,000 | $ 212,183 | $ 78,000 |
| Portland-South Portland-Biddeford, ME | 70 | $ 14,706,000 | $ 210,085 | $ 76,000 |
| Cape Coral-Fort Myers, FL | 69 | $ 13,761,000 | $ 199,434 | $ 86,000 |
| Knoxville, TN | 69 | $ 13,813,000 | $ 200,188 | $ 70,000 |
| Detroit-Livonia-Dearborn, MI | 67 | $ 11,168,000 | $ 166,686 | $ 82,000 |
| Fresno, CA | 65 | $ 13,977,000 | $ 215,030 | $ 87,000 |
| York-Hanover, PA | 65 | $ 12,995,000 | $ 199,923 | $ 80,000 |
| Anchorage, AK | 64 | $ 13,880,000 | $ 216,875 | $ 82,000 |
| Bakersfield, CA | 63 | $ 13,366,000 | $ 212,158 | $ 80,000 |
| Charleston-North Charleston-Summerville, SC | 63 | $ 11,716,000 | $ 185,968 | $ 78,000 |
| Rockingham County-Strafford County, NH | 63 | $ 14,376,000 | $ 228,190 | $ 90,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 63 | $ 20,499,000 | $ 325,380 | $ 115,000 |
| Harrisburg-Carlisle, PA | 60 | $ 9,830,000 | $ 163,833 | $ 67,000 |
| Manchester-Nashua, NH | 60 | $ 13,126,000 | $ 218,766 | $ 94,000 |
| Bridgeport-Stamford-Norwalk, CT | 59 | $ 15,941,000 | $ 270,186 | $ 99,000 |
| Columbia, SC | 59 | $ 10,137,000 | $ 171,813 | $ 81,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 59 | $ 11,057,000 | $ 187,406 | $ 71,000 |
| Lakeland-Winter Haven, FL | 59 | $ 10,847,000 | $ 183,847 | $ 84,000 |
| Springfield, MA | 57 | $ 10,253,000 | $ 179,877 | $ 71,000 |
| Fort Worth-Arlington, TX | 54 | $ 10,912,000 | $ 202,074 | $ 105,000 |
| Reno-Sparks, NV | 54 | $ 12,363,000 | $ 228,944 | $ 87,000 |
| Bradenton-Sarasota-Venice, FL | 53 | $ 10,860,000 | $ 204,905 | $ 83,000 |
| Pensacola-Ferry Pass-Brent, FL | 52 | $ 10,304,000 | $ 198,153 | $ 93,000 |
| Honolulu, HI | 51 | $ 17,399,000 | $ 341,156 | $ 114,000 |
| Stockton, CA | 51 | $ 12,280,000 | $ 240,784 | $ 100,000 |
| Colorado Springs, CO | 50 | $ 10,191,000 | $ 203,820 | $ 77,000 |
| San Antonio, TX | 50 | $ 9,073,000 | $ 181,460 | $ 84,000 |
| Huntsville, AL | 49 | $ 9,523,000 | $ 194,346 | $ 92,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 48 | $ 8,644,000 | $ 180,083 | $ 87,000 |
| Austin-Round Rock, TX | 47 | $ 8,223,000 | $ 174,957 | $ 92,000 |
| Greenville-Mauldin-Easley, SC | 47 | $ 7,898,000 | $ 168,042 | $ 69,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 47 | $ 13,226,000 | $ 281,404 | $ 86,000 |
| San Francisco-San Mateo-Redwood City, CA | 46 | $ 15,984,000 | $ 347,478 | $ 128,000 |
| Hagerstown-Martinsburg, MD-WV | 45 | $ 9,861,000 | $ 219,133 | $ 80,222 |
| Wichita, KS | 45 | $ 7,201,000 | $ 160,022 | $ 92,000 |
| Savannah, GA | 44 | $ 7,576,000 | $ 172,181 | $ 72,000 |
| Greensboro-High Point, NC | 43 | $ 7,200,000 | $ 167,441 | $ 73,000 |
| Peabody, MA | 43 | $ 11,702,000 | $ 272,139 | $ 93,000 |
| Atlantic City-Hammonton, NJ | 42 | $ 9,139,000 | $ 217,595 | $ 80,000 |
| Omaha-Council Bluffs, NE-IA | 42 | $ 7,054,000 | $ 167,952 | $ 92,785 |
| Palm Bay-Melbourne-Titusville, FL | 42 | $ 8,870,000 | $ 211,190 | $ 98,000 |
| Rochester, NY | 42 | $ 6,530,000 | $ 155,476 | $ 79,000 |
| Chattanooga, TN-GA | 41 | $ 6,758,000 | $ 164,829 | $ 65,365 |
| Lancaster, PA | 41 | $ 7,320,000 | $ 178,536 | $ 73,000 |
| Spokane, WA | 41 | $ 8,240,000 | $ 200,975 | $ 66,000 |
| Des Moines-West Des Moines, IA | 40 | $ 6,828,000 | $ 170,700 | $ 83,000 |
| Lake County-Kenosha County, IL-WI | 40 | $ 9,305,000 | $ 232,625 | $ 98,000 |
| Asheville, NC | 39 | $ 7,569,000 | $ 194,076 | $ 74,000 |
| Charlottesville, VA | 39 | $ 9,091,000 | $ 233,102 | $ 89,000 |
| Mobile, AL | 39 | $ 5,591,000 | $ 143,358 | $ 66,000 |
| Jackson, MS | 38 | $ 6,339,000 | $ 166,815 | $ 77,000 |
| Milwaukee-Waukesha-West Allis, WI | 38 | $ 7,381,000 | $ 194,236 | $ 79,000 |
| Salem, OR | 37 | $ 6,326,000 | $ 170,972 | $ 59,000 |
| Springfield, MO | 37 | $ 4,995,000 | $ 135,000 | $ 59,000 |
| Syracuse, NY | 37 | $ 5,356,000 | $ 144,756 | $ 82,000 |
| Scranton--Wilkes-Barre, PA | 36 | $ 5,505,000 | $ 152,916 | $ 59,000 |
| Visalia-Porterville, CA | 36 | $ 6,968,000 | $ 193,555 | $ 83,000 |
| Augusta-Richmond County, GA-SC | 35 | $ 5,264,000 | $ 150,400 | $ 64,142 |
| Modesto, CA | 35 | $ 8,041,000 | $ 229,742 | $ 97,000 |
| Port St. Lucie, FL | 34 | $ 7,017,000 | $ 206,382 | $ 87,000 |
| Reading, PA | 34 | $ 6,668,000 | $ 196,117 | $ 95,000 |
| Winston-Salem, NC | 33 | $ 5,112,000 | $ 154,909 | $ 74,000 |
| Grand Rapids-Wyoming, MI | 32 | $ 5,054,000 | $ 157,937 | $ 70,000 |
| Norwich-New London, CT | 32 | $ 6,761,000 | $ 211,281 | $ 73,000 |
| Vallejo-Fairfield, CA | 32 | $ 8,478,000 | $ 264,937 | $ 93,000 |
| Durham, NC | 30 | $ 5,774,000 | $ 192,466 | $ 97,000 |
| Naples-Marco Island, FL | 30 | $ 7,054,000 | $ 235,133 | $ 126,000 |
| Lake Havasu City-Kingman, AZ | 28 | $ 5,674,000 | $ 202,642 | $ 81,000 |
| Roanoke, VA | 28 | $ 5,088,000 | $ 181,714 | $ 68,000 |
| Tallahassee, FL | 28 | $ 5,860,000 | $ 209,285 | $ 82,000 |
| Wilmington, NC | 28 | $ 5,179,000 | $ 184,964 | $ 86,000 |
| Charleston, WV | 27 | $ 4,171,000 | $ 154,481 | $ 77,000 |
| Columbus, GA-AL | 27 | $ 4,388,000 | $ 162,518 | $ 63,555 |
| Kingston, NY | 27 | $ 5,905,000 | $ 218,703 | $ 79,000 |
| Topeka, KS | 27 | $ 4,054,000 | $ 150,148 | $ 78,000 |
| Burlington-South Burlington, VT | 26 | $ 5,420,000 | $ 208,461 | $ 73,000 |
| Eugene-Springfield, OR | 26 | $ 4,753,000 | $ 182,807 | $ 64,000 |
| Las Cruces, NM | 26 | $ 4,451,000 | $ 171,192 | $ 72,000 |
| Ocala, FL | 26 | $ 5,069,000 | $ 194,961 | $ 73,000 |
| Prescott, AZ | 26 | $ 5,816,000 | $ 223,692 | $ 69,000 |
| Barnstable Town, MA | 25 | $ 6,329,000 | $ 253,160 | $ 84,000 |
| Dover, DE | 25 | $ 5,051,000 | $ 202,040 | $ 72,000 |
| Kalamazoo-Portage, MI | 25 | $ 3,760,000 | $ 150,400 | $ 81,000 |
| Louisville-Jefferson County, KY-IN | 25 | $ 4,497,000 | $ 179,880 | $ 81,000 |
| Fort Collins-Loveland, CO | 24 | $ 4,972,000 | $ 207,166 | $ 76,000 |
| Gainesville, FL | 24 | $ 4,524,000 | $ 188,500 | $ 82,000 |
| Lansing-East Lansing, MI | 24 | $ 4,717,000 | $ 196,541 | $ 86,000 |
| Lynchburg, VA | 24 | $ 3,857,000 | $ 160,708 | $ 79,000 |
| Montgomery, AL | 24 | $ 4,280,000 | $ 178,333 | $ 67,000 |
| Ocean City, NJ | 24 | $ 5,956,000 | $ 248,166 | $ 100,000 |
| Santa Fe, NM | 24 | $ 5,030,000 | $ 209,583 | $ 78,000 |
| Santa Rosa-Petaluma, CA | 24 | $ 6,581,000 | $ 274,208 | $ 76,000 |
| Athens-Clarke County, GA | 23 | $ 4,076,000 | $ 177,217 | $ 94,000 |
| Fort Walton Beach-Crestview-Destin, FL | 23 | $ 4,956,000 | $ 215,478 | $ 102,000 |
| Mount Vernon-Anacortes, WA | 23 | $ 5,145,000 | $ 223,695 | $ 68,000 |
| Greeley, CO | 22 | $ 4,303,000 | $ 195,590 | $ 84,000 |
| Lake Charles, LA | 22 | $ 3,831,000 | $ 174,136 | $ 74,000 |
| Panama City-Lynn Haven, FL | 22 | $ 3,451,000 | $ 156,863 | $ 61,000 |
| San Luis Obispo-Paso Robles, CA | 22 | $ 6,530,000 | $ 296,818 | $ 87,000 |
| Flagstaff, AZ | 21 | $ 4,322,000 | $ 205,809 | $ 73,000 |
| Glens Falls, NY | 21 | $ 4,220,000 | $ 200,952 | $ 88,000 |
| Bend, OR | 20 | $ 4,586,000 | $ 229,300 | $ 98,000 |
| Boulder, CO | 20 | $ 4,598,000 | $ 229,900 | $ 109,000 |
| Bremerton-Silverdale, WA | 20 | $ 4,428,000 | $ 221,400 | $ 82,000 |
| Gainesville, GA | 20 | $ 3,795,000 | $ 189,750 | $ 70,000 |
| Lincoln, NE | 20 | $ 3,174,000 | $ 158,700 | $ 64,000 |
| Olympia, WA | 20 | $ 4,876,000 | $ 243,800 | $ 79,000 |
| Yuma, AZ | 20 | $ 3,564,000 | $ 178,200 | $ 67,000 |
| Billings, MT | 19 | $ 3,258,000 | $ 171,473 | $ 68,000 |
| Missoula, MT | 19 | $ 3,749,000 | $ 197,315 | $ 72,000 |
| Winchester, VA-WV | 19 | $ 4,180,000 | $ 220,000 | $ 66,157 |
| Ann Arbor, MI | 18 | $ 3,256,000 | $ 180,888 | $ 85,000 |
| Chico, CA | 18 | $ 4,746,000 | $ 263,666 | $ 72,000 |
| Fort Wayne, IN | 18 | $ 2,652,000 | $ 147,333 | $ 81,000 |
| Gulfport-Biloxi, MS | 18 | $ 2,896,000 | $ 160,888 | $ 66,000 |
| Hickory-Lenoir-Morganton, NC | 18 | $ 3,371,000 | $ 187,277 | $ 64,000 |
| Houma-Bayou Cane-Thibodaux, LA | 18 | $ 3,214,000 | $ 178,555 | $ 82,000 |
| Merced, CA | 18 | $ 3,234,000 | $ 179,666 | $ 79,000 |
| Shreveport-Bossier City, LA | 18 | $ 3,016,000 | $ 167,555 | $ 78,000 |
| Utica-Rome, NY | 18 | $ 2,828,000 | $ 157,111 | $ 80,000 |
| Cheyenne, WY | 17 | $ 3,331,000 | $ 195,941 | $ 70,000 |
| Elkhart-Goshen, IN | 17 | $ 2,925,000 | $ 172,058 | $ 77,000 |
| Monroe, MI | 17 | $ 2,813,000 | $ 165,470 | $ 94,000 |
| Pascagoula, MS | 17 | $ 2,816,000 | $ 165,647 | $ 72,000 |
| Salinas, CA | 17 | $ 4,395,000 | $ 258,529 | $ 94,000 |
| South Bend-Mishawaka, IN-MI | 17 | $ 2,720,000 | $ 160,000 | $ 71,000 |
| Bellingham, WA | 16 | $ 4,193,000 | $ 262,062 | $ 76,000 |
| Casper, WY | 16 | $ 2,861,000 | $ 178,812 | $ 67,000 |
| Evansville, IN-KY | 16 | $ 2,698,000 | $ 168,625 | $ 71,000 |
| Kingsport-Bristol-Bristol, TN-VA | 16 | $ 2,406,000 | $ 150,375 | $ 76,187 |
| Lafayette, LA | 16 | $ 3,066,000 | $ 191,625 | $ 91,000 |
| Madera, CA | 16 | $ 3,111,000 | $ 194,437 | $ 71,000 |
| Rockford, IL | 16 | $ 2,545,000 | $ 159,062 | $ 84,000 |
| Salisbury, MD | 16 | $ 3,254,000 | $ 203,375 | $ 74,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 16 | $ 4,756,000 | $ 297,250 | $ 91,000 |
| Trenton-Ewing, NJ | 16 | $ 3,613,000 | $ 225,812 | $ 81,000 |
| Decatur, AL | 15 | $ 2,549,000 | $ 169,933 | $ 84,000 |
| Flint, MI | 15 | $ 2,129,000 | $ 141,933 | $ 59,000 |
| Grand Junction, CO | 15 | $ 3,016,000 | $ 201,066 | $ 64,000 |
| Hattiesburg, MS | 15 | $ 2,280,000 | $ 152,000 | $ 56,000 |
| Macon, GA | 15 | $ 2,560,000 | $ 170,666 | $ 92,000 |
| Medford, OR | 15 | $ 2,942,000 | $ 196,133 | $ 72,000 |
| Davenport-Moline-Rock Island, IA-IL | 14 | $ 1,912,000 | $ 136,571 | $ 78,142 |
| Greenville, NC | 14 | $ 2,114,000 | $ 151,000 | $ 75,000 |
| Jacksonville, NC | 14 | $ 2,486,000 | $ 177,571 | $ 71,000 |
| Lebanon, PA | 14 | $ 2,220,000 | $ 158,571 | $ 64,000 |
| Blacksburg-Christiansburg-Radford, VA | 13 | $ 2,285,000 | $ 175,769 | $ 74,000 |
| Corvallis, OR | 13 | $ 2,581,000 | $ 198,538 | $ 75,000 |
| Kennewick-Pasco-Richland, WA | 13 | $ 2,244,000 | $ 172,615 | $ 108,000 |
| Napa, CA | 13 | $ 4,293,000 | $ 330,230 | $ 112,000 |
| Punta Gorda, FL | 13 | $ 2,348,000 | $ 180,615 | $ 57,000 |
| Santa Cruz-Watsonville, CA | 13 | $ 4,397,000 | $ 338,230 | $ 131,000 |
| Spartanburg, SC | 13 | $ 1,754,000 | $ 134,923 | $ 75,000 |
| Tuscaloosa, AL | 13 | $ 2,318,000 | $ 178,307 | $ 102,000 |
| Yakima, WA | 13 | $ 2,183,000 | $ 167,923 | $ 70,000 |
| Auburn-Opelika, AL | 12 | $ 2,144,000 | $ 178,666 | $ 91,000 |
| Lewiston-Auburn, ME | 12 | $ 1,951,000 | $ 162,583 | $ 63,000 |
| Morgantown, WV | 12 | $ 1,780,000 | $ 148,333 | $ 62,000 |
| Vineland-Millville-Bridgeton, NJ | 12 | $ 2,298,000 | $ 191,500 | $ 70,000 |
| Youngstown-Warren-Boardman, OH-PA | 12 | $ 1,802,000 | $ 150,166 | $ 84,000 |
| Binghamton, NY | 11 | $ 1,622,000 | $ 147,454 | $ 81,000 |
| Bloomington, IN | 11 | $ 1,720,000 | $ 156,363 | $ 63,000 |
| Fairbanks, AK | 11 | $ 2,222,000 | $ 202,000 | $ 109,000 |
| Hanford-Corcoran, CA | 11 | $ 2,175,000 | $ 197,727 | $ 86,000 |
| Holland-Grand Haven, MI | 11 | $ 1,882,000 | $ 171,090 | $ 98,000 |
| Johnson City, TN | 11 | $ 2,251,000 | $ 204,636 | $ 67,000 |
| Longview, WA | 11 | $ 2,552,000 | $ 232,000 | $ 82,000 |
| Peoria, IL | 11 | $ 1,975,000 | $ 179,545 | $ 81,000 |
| Albany, GA | 10 | $ 1,660,000 | $ 166,000 | $ 74,000 |
| Alexandria, LA | 10 | $ 1,610,000 | $ 161,000 | $ 72,000 |
| Anderson, IN | 10 | $ 1,481,000 | $ 148,100 | $ 69,000 |
| Anderson, SC | 10 | $ 2,057,000 | $ 205,700 | $ 83,000 |
| Burlington, NC | 10 | $ 1,586,000 | $ 158,600 | $ 68,000 |
| Cleveland, TN | 10 | $ 1,865,000 | $ 186,500 | $ 68,000 |
| Cumberland, MD-WV | 10 | $ 1,375,000 | $ 137,500 | $ 72,400 |
| Dothan, AL | 10 | $ 2,157,000 | $ 215,700 | $ 91,000 |
| Fayetteville, NC | 10 | $ 1,588,000 | $ 158,800 | $ 60,000 |
| Huntington-Ashland, WV-KY-OH | 10 | $ 1,684,000 | $ 168,400 | $ 71,000 |
| Joplin, MO | 10 | $ 1,526,000 | $ 152,600 | $ 78,000 |
| Madison, WI | 10 | $ 1,942,000 | $ 194,200 | $ 74,000 |
| Morristown, TN | 10 | $ 1,834,000 | $ 183,400 | $ 77,000 |
| Niles-Benton Harbor, MI | 10 | $ 1,595,000 | $ 159,500 | $ 63,000 |
| Rochester, MN | 10 | $ 1,601,000 | $ 160,100 | $ 64,000 |
| Yuba City, CA | 10 | $ 2,076,000 | $ 207,600 | $ 55,000 |
| Duluth, MN-WI | 9 | $ 1,625,000 | $ 180,555 | $ 80,111 |
| Erie, PA | 9 | $ 1,464,000 | $ 162,666 | $ 72,000 |
| Gadsden, AL | 9 | $ 1,109,000 | $ 123,222 | $ 48,000 |
| Jackson, MI | 9 | $ 1,674,000 | $ 186,000 | $ 83,000 |
| Palm Coast, FL | 9 | $ 1,919,000 | $ 213,222 | $ 81,000 |
| Pittsfield, MA | 9 | $ 1,844,000 | $ 204,888 | $ 70,000 |
| St. Cloud, MN | 9 | $ 1,766,000 | $ 196,222 | $ 64,000 |
| Beaumont-Port Arthur, TX | 8 | $ 1,297,000 | $ 162,125 | $ 84,000 |
| Bismarck, ND | 8 | $ 1,047,000 | $ 130,875 | $ 88,000 |
| Champaign-Urbana, IL | 8 | $ 1,268,000 | $ 158,500 | $ 65,000 |
| El Centro, CA | 8 | $ 1,787,000 | $ 223,375 | $ 103,000 |
| El Paso, TX | 8 | $ 1,252,000 | $ 156,500 | $ 80,000 |
| Jackson, TN | 8 | $ 1,105,000 | $ 138,125 | $ 62,000 |
| Lafayette, IN | 8 | $ 1,133,000 | $ 141,625 | $ 64,000 |
| Michigan City-La Porte, IN | 8 | $ 1,358,000 | $ 169,750 | $ 65,000 |
| Monroe, LA | 8 | $ 1,329,000 | $ 166,125 | $ 55,000 |
| Muskegon-Norton Shores, MI | 8 | $ 1,054,000 | $ 131,750 | $ 52,000 |
| Redding, CA | 8 | $ 1,821,000 | $ 227,625 | $ 69,000 |
| Warner Robins, GA | 8 | $ 1,153,000 | $ 144,125 | $ 72,000 |
| Wenatchee, WA | 8 | $ 1,400,000 | $ 175,000 | $ 56,000 |
| Bangor, ME | 7 | $ 1,139,000 | $ 162,714 | $ 68,000 |
| Battle Creek, MI | 7 | $ 1,042,000 | $ 148,857 | $ 55,000 |
| Bloomington-Normal, IL | 7 | $ 1,120,000 | $ 160,000 | $ 59,000 |
| Brunswick, GA | 7 | $ 1,803,000 | $ 257,571 | $ 106,000 |
| Clarksville, TN-KY | 7 | $ 888,000 | $ 126,857 | $ 64,000 |
| College Station-Bryan, TX | 7 | $ 1,318,000 | $ 188,285 | $ 92,000 |
| Columbia, MO | 7 | $ 1,030,000 | $ 147,142 | $ 71,000 |
| Corpus Christi, TX | 7 | $ 805,000 | $ 115,000 | $ 84,000 |
| Farmington, NM | 7 | $ 1,139,000 | $ 162,714 | $ 67,000 |
| Florence-Muscle Shoals, AL | 7 | $ 1,201,000 | $ 171,571 | $ 80,000 |
| Great Falls, MT | 7 | $ 1,274,000 | $ 182,000 | $ 64,000 |
| Lawrence, KS | 7 | $ 1,332,000 | $ 190,285 | $ 69,000 |
| Longview, TX | 7 | $ 960,000 | $ 137,142 | $ 72,000 |
| State College, PA | 7 | $ 1,048,000 | $ 149,714 | $ 88,000 |
| Sumter, SC | 7 | $ 844,000 | $ 120,571 | $ 42,000 |
| Terre Haute, IN | 7 | $ 1,156,000 | $ 165,142 | $ 80,000 |
| Valdosta, GA | 7 | $ 1,267,000 | $ 181,000 | $ 62,000 |
| Wheeling, WV-OH | 7 | $ 1,055,000 | $ 150,714 | $ 70,000 |
| Bay City, MI | 6 | $ 762,000 | $ 127,000 | $ 47,000 |
| Cedar Rapids, IA | 6 | $ 970,000 | $ 161,666 | $ 96,000 |
| Columbus, IN | 6 | $ 1,013,000 | $ 168,833 | $ 86,000 |
| Harrisonburg, VA | 6 | $ 978,000 | $ 163,000 | $ 80,000 |
| La Crosse, WI-MN | 6 | $ 957,000 | $ 159,500 | $ 62,500 |
| Lawton, OK | 6 | $ 1,079,000 | $ 179,833 | $ 75,000 |
| Muncie, IN | 6 | $ 938,000 | $ 156,333 | $ 58,000 |
| Sebastian-Vero Beach, FL | 6 | $ 826,000 | $ 137,666 | $ 52,000 |
| Danville, VA | 5 | $ 629,000 | $ 125,800 | $ 59,000 |
| Florence, SC | 5 | $ 783,000 | $ 156,600 | $ 48,000 |
| Kankakee-Bradley, IL | 5 | $ 817,000 | $ 163,400 | $ 58,000 |
| Kokomo, IN | 5 | $ 697,000 | $ 139,400 | $ 57,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 5 | $ 604,000 | $ 120,800 | $ 70,000 |
| Pueblo, CO | 5 | $ 883,000 | $ 176,600 | $ 91,000 |
| Racine, WI | 5 | $ 972,000 | $ 194,400 | $ 80,000 |
| Rome, GA | 5 | $ 801,000 | $ 160,200 | $ 46,000 |
| Saginaw-Saginaw Township North, MI | 5 | $ 818,000 | $ 163,600 | $ 105,000 |
| Sioux City, IA-NE-SD | 5 | $ 474,000 | $ 94,800 | $ 62,000 |
| Waterloo-Cedar Falls, IA | 5 | $ 709,000 | $ 141,800 | $ 59,000 |
| Altoona, PA | 4 | $ 634,000 | $ 158,500 | $ 71,000 |
| Anniston-Oxford, AL | 4 | $ 603,000 | $ 150,750 | $ 74,000 |
| Brownsville-Harlingen, TX | 4 | $ 502,000 | $ 125,500 | $ 41,000 |
| Cincinnati-Middletown, OH-KY-IN | 4 | $ 692,000 | $ 173,000 | $ 70,250 |
| Fayetteville-Springdale-Rogers, AR-MO | 4 | $ 731,000 | $ 182,750 | $ 45,000 |
| Grand Forks, ND-MN | 4 | $ 603,000 | $ 150,750 | $ 66,500 |
| Hinesville-Fort Stewart, GA | 4 | $ 728,000 | $ 182,000 | $ 81,000 |
| Ithaca, NY | 4 | $ 609,000 | $ 152,250 | $ 98,000 |
| Johnstown, PA | 4 | $ 611,000 | $ 152,750 | $ 59,000 |
| McAllen-Edinburg-Mission, TX | 4 | $ 840,000 | $ 210,000 | $ 110,000 |
| Rocky Mount, NC | 4 | $ 584,000 | $ 146,000 | $ 77,000 |
| Sherman-Denison, TX | 4 | $ 731,000 | $ 182,750 | $ 109,000 |
| St. Joseph, MO-KS | 4 | $ 630,000 | $ 157,500 | $ 65,000 |
| Abilene, TX | 3 | $ 438,000 | $ 146,000 | $ 65,000 |
| Ames, IA | 3 | $ 370,000 | $ 123,333 | $ 60,000 |
| Boise City-Nampa, ID | 3 | $ 485,000 | $ 161,666 | $ 51,000 |
| Danville, IL | 3 | $ 618,000 | $ 206,000 | $ 95,000 |
| Fargo, ND-MN | 3 | $ 378,000 | $ 126,000 | $ 52,333 |
| Goldsboro, NC | 3 | $ 508,000 | $ 169,333 | $ 74,000 |
| Killeen-Temple-Fort Hood, TX | 3 | $ 452,000 | $ 150,666 | $ 124,000 |
| Springfield, IL | 3 | $ 572,000 | $ 190,666 | $ 89,000 |
| Texarkana, Tx-Texarkana, AR | 3 | $ 629,000 | $ 209,666 | $ 115,000 |
| Tyler, TX | 3 | $ 563,000 | $ 187,666 | $ 74,000 |
| Amarillo, TX | 2 | $ 288,000 | $ 144,000 | $ 107,000 |
| Appleton, WI | 2 | $ 328,000 | $ 164,000 | $ 42,000 |
| Dalton, GA | 2 | $ 488,000 | $ 244,000 | $ 74,000 |
| Decatur, IL | 2 | $ 352,000 | $ 176,000 | $ 79,000 |
| Dubuque, IA | 2 | $ 367,000 | $ 183,500 | $ 80,000 |
| Fort Smith, AR-OK | 2 | $ 264,000 | $ 132,000 | $ 28,000 |
| Hot Springs, AR | 2 | $ 554,000 | $ 277,000 | $ 252,000 |
| Iowa City, IA | 2 | $ 458,000 | $ 229,000 | $ 58,000 |
| Janesville, WI | 2 | $ 337,000 | $ 168,500 | $ 60,000 |
| Jefferson City, MO | 2 | $ 206,000 | $ 103,000 | $ 58,000 |
| Laredo, TX | 2 | $ 340,000 | $ 170,000 | $ 58,000 |
| Lubbock, TX | 2 | $ 452,000 | $ 226,000 | $ 91,000 |
| Midland, TX | 2 | $ 363,000 | $ 181,500 | $ 58,000 |
| Sheboygan, WI | 2 | $ 379,000 | $ 189,500 | $ 86,000 |
| Victoria, TX | 2 | $ 275,000 | $ 137,500 | $ 69,000 |
| Waco, TX | 2 | $ 622,000 | $ 311,000 | $ 95,000 |
| Williamsport, PA | 2 | $ 401,000 | $ 200,500 | $ 95,000 |
| Akron, OH | 1 | $ 95,000 | $ 95,000 | $ 73,000 |
| Carson City, NV | 1 | $ 175,000 | $ 175,000 | $ 39,000 |
| Coeur D'Alene, ID | 1 | $ 121,000 | $ 121,000 | $ 130,000 |
| Eau Claire, WI | 1 | $ 170,000 | $ 170,000 | $ 48,000 |
| Elmira, NY | 1 | $ 122,000 | $ 122,000 | $ 53,000 |
| Fond Du Lac, WI | 1 | $ 172,000 | $ 172,000 | $ 38,000 |
| Green Bay, WI | 1 | $ 212,000 | $ 212,000 | $ 90,000 |
| Ogden-Clearfield, UT | 1 | $ 157,000 | $ 157,000 | $ 38,000 |
| Oshkosh-Neenah, WI | 1 | $ 146,000 | $ 146,000 | $ 30,000 |
| Salt Lake City, UT | 1 | $ 140,000 | $ 140,000 | $ 76,000 |
| San Angelo, TX | 1 | $ 214,000 | $ 214,000 | $ 65,000 |
| St. George, UT | 1 | $ 191,000 | $ 191,000 | $ 57,000 |
| Wausau, WI | 1 | $ 197,000 | $ 197,000 | $ 113,000 |
| Weirton-Steubenville, WV-OH | 1 | $ 188,000 | $ 188,000 | $ 60,000 |
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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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