Home Loan Investment Bank Mortgage Lending & HMDA Data, 2004
In 2004, Home Loan Investment Bank of Warwick, RI reported 24,668 mortgage applications totaling $2.2 billion, down 2% from 2003. The average application was for $87,563, and applicants reported an average income of $54,995. 9% of its applications resulted in an originated loan and 50% were denied. Its largest markets were New York-Wayne-White Plains, NY-NJ (1,054), Philadelphia, PA (1,047) and Houston-Baytown-Sugar Land, TX (750) (applications in parentheses).
| Mortgage Company & Address | Home Loan Investment Bank One Home Loan Plaza Warwick, RI 02886 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 | 24,668 |
| Total Mortgage Loan Application Amount | $2,160,011,000 |
| Average Mortgage Loan Application Amount | $87,563 |
| Highest Mortgage Loan Application Amount | $2,450,000 |
| Average Applicant Income | $54,995 |
| Highest Applicant Income | $5,760,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Home Loan Investment Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| New York-Wayne-White Plains, NY-NJ | 1,054 | $ 172,124,000 | $ 163,305 | $ 77,000 |
| Philadelphia, PA | 1,047 | $ 61,413,000 | $ 58,656 | $ 47,000 |
| Houston-Baytown-Sugar Land, TX | 750 | $ 48,749,000 | $ 64,998 | $ 63,000 |
| Atlanta-Sandy Springs-Marietta, GA | 735 | $ 68,800,000 | $ 93,605 | $ 61,000 |
| Baltimore-Towson, MD | 718 | $ 53,568,000 | $ 74,607 | $ 57,000 |
| Edison, NJ | 682 | $ 79,820,000 | $ 117,038 | $ 72,000 |
| Providence-New Bedford-Fall River, RI-MA | 540 | $ 66,125,000 | $ 122,453 | $ 57,000 |
| Nassau-Suffolk, NY | 470 | $ 62,204,000 | $ 132,348 | $ 84,000 |
| Newark-Union, NJ-PA | 464 | $ 53,944,000 | $ 116,258 | $ 75,000 |
| Camden, NJ | 449 | $ 37,222,000 | $ 82,899 | $ 59,000 |
| Detroit-Livonia-Dearborn, MI | 419 | $ 29,260,000 | $ 69,832 | $ 45,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 385 | $ 30,808,000 | $ 80,020 | $ 52,000 |
| Fort Worth-Arlington, TX | 376 | $ 22,883,000 | $ 60,859 | $ 55,000 |
| Pittsburgh, PA | 350 | $ 22,798,000 | $ 65,137 | $ 42,000 |
| Dallas-Plano-Irving, TX | 343 | $ 26,256,000 | $ 76,548 | $ 61,000 |
| Boston-Quincy, MA | 308 | $ 44,177,000 | $ 143,431 | $ 62,000 |
| Richmond, VA | 294 | $ 22,736,000 | $ 77,333 | $ 47,000 |
| Hartford-West Hartford-East Hartford, CT | 262 | $ 22,925,000 | $ 87,500 | $ 59,000 |
| San Antonio, TX | 226 | $ 13,072,000 | $ 57,840 | $ 49,000 |
| Columbus, OH | 222 | $ 22,725,000 | $ 102,364 | $ 57,000 |
| Albany-Schenectady-Troy, NY | 220 | $ 15,296,000 | $ 69,527 | $ 45,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 219 | $ 21,635,000 | $ 98,789 | $ 73,000 |
| New Haven-Milford, CT | 214 | $ 19,176,000 | $ 89,607 | $ 61,000 |
| Chicago-Naperville-Joliet, IL | 205 | $ 19,024,000 | $ 92,800 | $ 68,000 |
| Scranton--Wilkes-Barre, PA | 194 | $ 13,652,000 | $ 70,371 | $ 48,000 |
| Warren-Farmington Hills-Troy, MI | 180 | $ 18,203,000 | $ 101,127 | $ 75,000 |
| Indianapolis, IN | 176 | $ 13,913,000 | $ 79,051 | $ 49,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 168 | $ 17,281,000 | $ 102,863 | $ 64,000 |
| Cleveland-Elyria-Mentor, OH | 159 | $ 12,806,000 | $ 80,540 | $ 45,000 |
| Springfield, MA | 158 | $ 12,903,000 | $ 81,664 | $ 43,000 |
| Trenton-Ewing, NJ | 153 | $ 13,937,000 | $ 91,091 | $ 56,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 152 | $ 10,065,000 | $ 66,217 | $ 47,000 |
| Bridgeport-Stamford-Norwalk, CT | 152 | $ 18,617,000 | $ 122,480 | $ 75,000 |
| Portland-South Portland-Biddeford, ME | 152 | $ 15,935,000 | $ 104,835 | $ 64,000 |
| Roanoke, VA | 144 | $ 10,840,000 | $ 75,277 | $ 44,000 |
| Bethesda-Frederick-Gaithersburg, MD | 143 | $ 18,946,000 | $ 132,489 | $ 84,000 |
| Cambridge-Newton-Framingham, MA | 141 | $ 20,185,000 | $ 143,156 | $ 73,000 |
| Worcester, MA | 141 | $ 17,745,000 | $ 125,851 | $ 53,000 |
| El Paso, TX | 136 | $ 8,553,000 | $ 62,889 | $ 66,000 |
| Atlantic City, NJ | 133 | $ 13,067,000 | $ 98,248 | $ 53,000 |
| Harrisburg-Carlisle, PA | 124 | $ 10,338,000 | $ 83,370 | $ 45,000 |
| Wilmington, DE-MD-NJ | 117 | $ 9,966,000 | $ 85,179 | $ 62,000 |
| Reading, PA | 114 | $ 7,335,000 | $ 64,342 | $ 39,000 |
| Tampa-St. Petersburg-Clearwater, FL | 114 | $ 7,666,000 | $ 67,245 | $ 49,000 |
| Austin-Round Rock, TX | 109 | $ 9,569,000 | $ 87,788 | $ 70,000 |
| Essex County, MA | 109 | $ 14,534,000 | $ 133,339 | $ 66,000 |
| Flint, MI | 104 | $ 6,455,000 | $ 62,067 | $ 37,000 |
| Dayton, OH | 102 | $ 8,131,000 | $ 79,715 | $ 43,000 |
| Cincinnati-Middletown, OH-KY-IN | 96 | $ 7,676,000 | $ 79,958 | $ 52,000 |
| Grand Rapids-Wyoming, MI | 88 | $ 6,633,000 | $ 75,375 | $ 44,000 |
| Augusta-Richmond County, GA-SC | 86 | $ 5,345,000 | $ 62,151 | $ 35,000 |
| Gary, IN | 86 | $ 5,511,000 | $ 64,081 | $ 47,000 |
| Norwich-New London, CT | 86 | $ 9,632,000 | $ 112,000 | $ 56,000 |
| Youngstown-Warren-Boardman, OH-PA | 81 | $ 5,074,000 | $ 62,641 | $ 35,000 |
| Manchester-Nashua, NH | 79 | $ 7,079,000 | $ 89,607 | $ 104,000 |
| Savannah, GA | 79 | $ 6,910,000 | $ 87,468 | $ 55,000 |
| Phoenix-Mesa-Scottsdale, AZ | 78 | $ 6,814,000 | $ 87,358 | $ 46,000 |
| Rockingham County-Strafford County, NH | 78 | $ 8,387,000 | $ 107,525 | $ 97,000 |
| Amarillo, TX | 75 | $ 3,364,000 | $ 44,853 | $ 41,000 |
| Kalamazoo-Portage, MI | 72 | $ 5,508,000 | $ 76,500 | $ 48,000 |
| Jacksonville, FL | 68 | $ 4,643,000 | $ 68,279 | $ 57,000 |
| Corpus Christi, TX | 67 | $ 3,855,000 | $ 57,537 | $ 43,000 |
| Lancaster, PA | 66 | $ 5,183,000 | $ 78,530 | $ 37,000 |
| Macon, GA | 66 | $ 3,665,000 | $ 55,530 | $ 40,000 |
| Saginaw-Saginaw Township North, MI | 65 | $ 3,627,000 | $ 55,800 | $ 40,000 |
| Orlando, FL | 64 | $ 4,739,000 | $ 74,046 | $ 48,000 |
| Canton-Massillon, OH | 63 | $ 4,791,000 | $ 76,047 | $ 34,000 |
| Miami-Miami Beach-Kendall, FL | 63 | $ 5,036,000 | $ 79,936 | $ 50,000 |
| York-Hanover, PA | 63 | $ 4,856,000 | $ 77,079 | $ 51,000 |
| Bangor, ME | 60 | $ 3,959,000 | $ 65,983 | $ 35,000 |
| Lubbock, TX | 59 | $ 2,592,000 | $ 43,932 | $ 35,000 |
| Lynchburg, VA | 59 | $ 4,467,000 | $ 75,711 | $ 41,000 |
| Vineland-Millville-Bridgeton, NJ | 59 | $ 4,486,000 | $ 76,033 | $ 50,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 58 | $ 4,527,000 | $ 78,051 | $ 55,000 |
| Toledo, OH | 58 | $ 3,161,000 | $ 54,500 | $ 39,000 |
| Memphis, TN-MS-AR | 57 | $ 3,994,000 | $ 70,070 | $ 48,000 |
| Milwaukee-Waukesha-West Allis, WI | 56 | $ 4,963,000 | $ 88,625 | $ 47,000 |
| Akron, OH | 55 | $ 3,912,000 | $ 71,127 | $ 59,000 |
| Glens Falls, NY | 54 | $ 3,956,000 | $ 73,259 | $ 44,000 |
| Las Vegas-Paradise, NV | 54 | $ 4,823,000 | $ 89,314 | $ 58,000 |
| Los Angeles-Long Beach-Glendale, CA | 53 | $ 5,748,000 | $ 108,452 | $ 69,000 |
| Muskegon-Norton Shores, MI | 53 | $ 3,378,000 | $ 63,735 | $ 32,000 |
| Danville, VA | 50 | $ 3,410,000 | $ 68,200 | $ 56,000 |
| Dover, DE | 50 | $ 3,901,000 | $ 78,020 | $ 53,000 |
| Columbus, GA-AL | 48 | $ 3,318,000 | $ 69,125 | $ 42,000 |
| Kingston, NY | 48 | $ 4,367,000 | $ 90,979 | $ 52,000 |
| South Bend-Mishawaka, IN-MI | 48 | $ 3,409,000 | $ 71,020 | $ 37,000 |
| Beaumont-Port Arthur, TX | 46 | $ 2,061,000 | $ 44,804 | $ 39,000 |
| Jackson, MI | 45 | $ 4,229,000 | $ 93,977 | $ 53,000 |
| Lansing-East Lansing, MI | 44 | $ 3,779,000 | $ 85,886 | $ 63,000 |
| Charlottesville, VA | 43 | $ 3,559,000 | $ 82,767 | $ 37,000 |
| Blacksburg-Christiansburg-Radford, VA | 42 | $ 3,359,000 | $ 79,976 | $ 38,000 |
| Denver-Aurora, CO | 42 | $ 3,684,000 | $ 87,714 | $ 49,000 |
| Midland, TX | 42 | $ 1,454,000 | $ 34,619 | $ 41,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 42 | $ 3,444,000 | $ 82,000 | $ 47,000 |
| Salisbury, MD | 41 | $ 2,748,000 | $ 67,024 | $ 55,000 |
| Erie, PA | 40 | $ 2,551,000 | $ 63,775 | $ 45,000 |
| Buffalo-Niagara Falls, NY | 38 | $ 2,044,000 | $ 53,789 | $ 63,000 |
| New Orleans-Metairie-Kenner, LA | 38 | $ 2,368,000 | $ 62,315 | $ 53,000 |
| Williamsport, PA | 38 | $ 2,412,000 | $ 63,473 | $ 55,000 |
| Fort Wayne, IN | 37 | $ 2,599,000 | $ 70,243 | $ 48,000 |
| McAllen-Edinburg-Pharr, TX | 36 | $ 1,854,000 | $ 51,500 | $ 61,000 |
| Nashville-Davidson--Murfreesboro, TN | 36 | $ 2,799,000 | $ 77,750 | $ 38,000 |
| Ocean City, NJ | 36 | $ 3,621,000 | $ 100,583 | $ 50,000 |
| Hagerstown-Martinsburg, MD-WV | 35 | $ 2,586,000 | $ 73,885 | $ 53,000 |
| Riverside-San Bernardino-Ontario, CA | 34 | $ 3,475,000 | $ 102,205 | $ 111,000 |
| Tucson, AZ | 34 | $ 2,326,000 | $ 68,411 | $ 40,000 |
| Barnstable Town, MA | 33 | $ 4,613,000 | $ 139,787 | $ 69,000 |
| Oklahoma City, OK | 33 | $ 1,727,000 | $ 52,333 | $ 36,000 |
| Athens-Clarke County, GA | 31 | $ 3,088,000 | $ 99,612 | $ 52,000 |
| Gainesville, GA | 29 | $ 2,915,000 | $ 100,517 | $ 44,000 |
| Seattle-Bellevue-Everett, WA | 29 | $ 3,988,000 | $ 137,517 | $ 60,000 |
| Utica-Rome, NY | 29 | $ 1,534,000 | $ 52,896 | $ 41,000 |
| Warner Robins, GA | 28 | $ 2,253,000 | $ 80,464 | $ 70,000 |
| Albany, GA | 27 | $ 1,382,000 | $ 51,185 | $ 45,000 |
| Dalton, GA | 27 | $ 1,898,000 | $ 70,296 | $ 46,000 |
| Johnstown, PA | 27 | $ 1,232,000 | $ 45,629 | $ 65,000 |
| Odessa, TX | 27 | $ 947,000 | $ 35,074 | $ 41,000 |
| Palm Bay-Melbourne-Titusville, FL | 26 | $ 2,247,000 | $ 86,423 | $ 43,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 26 | $ 2,045,000 | $ 78,653 | $ 55,000 |
| Terre Haute, IN | 26 | $ 1,991,000 | $ 76,576 | $ 37,000 |
| Tulsa, OK | 26 | $ 1,611,000 | $ 61,961 | $ 40,000 |
| Altoona, PA | 25 | $ 1,481,000 | $ 59,240 | $ 35,000 |
| Battle Creek, MI | 25 | $ 1,434,000 | $ 57,360 | $ 42,000 |
| Hinesville-Fort Stewart, GA | 24 | $ 1,453,000 | $ 60,541 | $ 52,000 |
| Lewiston-Auburn, ME | 24 | $ 2,186,000 | $ 91,083 | $ 42,000 |
| Pensacola-Ferry Pass-Brent, FL | 24 | $ 1,388,000 | $ 57,833 | $ 45,000 |
| Peoria, IL | 24 | $ 1,320,000 | $ 55,000 | $ 32,000 |
| Syracuse, NY | 24 | $ 1,240,000 | $ 51,666 | $ 53,000 |
| Valdosta, GA | 24 | $ 1,388,000 | $ 57,833 | $ 46,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 23 | $ 1,561,000 | $ 67,869 | $ 45,000 |
| Elkhart-Goshen, IN | 23 | $ 1,685,000 | $ 73,260 | $ 42,000 |
| Killeen-Temple-Fort Hood, TX | 23 | $ 1,597,000 | $ 69,434 | $ 63,000 |
| Portland-Vancouver-Beaverton, OR-WA | 23 | $ 2,242,000 | $ 97,478 | $ 59,000 |
| Rome, GA | 23 | $ 1,315,000 | $ 57,173 | $ 35,000 |
| Sarasota-Bradenton-Venice, FL | 23 | $ 1,520,000 | $ 66,086 | $ 40,000 |
| Sherman-Denison, TX | 23 | $ 927,000 | $ 40,304 | $ 27,000 |
| Anderson, IN | 22 | $ 1,294,000 | $ 58,818 | $ 61,000 |
| Holland-Grand Haven, MI | 22 | $ 1,942,000 | $ 88,272 | $ 51,000 |
| Shreveport-Bossier City, LA | 22 | $ 1,187,000 | $ 53,954 | $ 36,000 |
| Baton Rouge, LA | 21 | $ 1,896,000 | $ 90,285 | $ 38,000 |
| Louisville, KY-IN | 21 | $ 1,887,000 | $ 89,857 | $ 41,000 |
| Rochester, NY | 21 | $ 1,242,000 | $ 59,142 | $ 47,000 |
| Tallahassee, FL | 21 | $ 1,218,000 | $ 58,000 | $ 37,000 |
| Lebanon, PA | 20 | $ 1,483,000 | $ 74,150 | $ 41,000 |
| Niles-Benton Harbor, MI | 20 | $ 1,530,000 | $ 76,500 | $ 38,000 |
| Pittsfield, MA | 20 | $ 1,829,000 | $ 91,450 | $ 46,000 |
| Reno-Sparks, NV | 20 | $ 2,052,000 | $ 102,600 | $ 62,000 |
| Rockford, IL | 20 | $ 1,417,000 | $ 70,850 | $ 47,000 |
| Waco, TX | 20 | $ 929,000 | $ 46,450 | $ 39,000 |
| Wichita Falls, TX | 20 | $ 865,000 | $ 43,250 | $ 39,000 |
| Winchester, VA-WV | 20 | $ 1,939,000 | $ 96,950 | $ 53,000 |
| Brownsville-Harlingen, TX | 18 | $ 812,000 | $ 45,111 | $ 61,000 |
| Cape Coral-Fort Myers, FL | 18 | $ 1,482,000 | $ 82,333 | $ 33,000 |
| Champaign-Urbana, IL | 18 | $ 871,000 | $ 48,388 | $ 31,000 |
| Houma-Bayou Cane-Thibodaux, LA | 18 | $ 1,051,000 | $ 58,388 | $ 37,000 |
| Lima, OH | 18 | $ 1,159,000 | $ 64,388 | $ 45,000 |
| Oakland-Fremont-Hayward, CA | 17 | $ 2,746,000 | $ 161,529 | $ 110,000 |
| Ocala, FL | 17 | $ 958,000 | $ 56,352 | $ 32,000 |
| Brunswick, GA | 16 | $ 938,000 | $ 58,625 | $ 42,000 |
| Knoxville, TN | 16 | $ 997,000 | $ 62,312 | $ 31,000 |
| Lake County-Kenosha County, IL-WI | 16 | $ 1,369,000 | $ 85,562 | $ 71,000 |
| Monroe, MI | 16 | $ 1,253,000 | $ 78,312 | $ 45,000 |
| Springfield, OH | 16 | $ 974,000 | $ 60,875 | $ 36,000 |
| Fresno, CA | 15 | $ 1,372,000 | $ 91,466 | $ 50,000 |
| Lafayette, IN | 15 | $ 1,574,000 | $ 104,933 | $ 84,000 |
| Lakeland, FL | 15 | $ 869,000 | $ 57,933 | $ 75,000 |
| Kokomo, IN | 14 | $ 1,534,000 | $ 109,571 | $ 63,000 |
| Modesto, CA | 14 | $ 1,843,000 | $ 131,642 | $ 66,000 |
| Port St. Lucie-Fort Pierce, FL | 14 | $ 1,154,000 | $ 82,428 | $ 61,000 |
| State College, PA | 14 | $ 1,325,000 | $ 94,642 | $ 49,000 |
| Bakersfield, CA | 13 | $ 1,197,000 | $ 92,076 | $ 48,000 |
| Danville, IL | 13 | $ 547,000 | $ 42,076 | $ 31,000 |
| Lafayette, LA | 13 | $ 774,000 | $ 59,538 | $ 81,000 |
| Michigan City-La Porte, IN | 13 | $ 755,000 | $ 58,076 | $ 48,000 |
| Muncie, IN | 13 | $ 1,029,000 | $ 79,153 | $ 59,000 |
| Sandusky, OH | 13 | $ 1,096,000 | $ 84,307 | $ 63,000 |
| Ann Arbor, MI | 12 | $ 933,000 | $ 77,750 | $ 74,000 |
| Tacoma, WA | 12 | $ 926,000 | $ 77,166 | $ 53,000 |
| Abilene, TX | 11 | $ 475,000 | $ 43,181 | $ 36,000 |
| Bloomington, IN | 11 | $ 863,000 | $ 78,454 | $ 41,000 |
| Harrisonburg, VA | 11 | $ 717,000 | $ 65,181 | $ 43,000 |
| Laredo, TX | 11 | $ 886,000 | $ 80,545 | $ 48,000 |
| Vallejo-Fairfield, CA | 11 | $ 1,578,000 | $ 143,454 | $ 67,000 |
| Bay City, MI | 10 | $ 623,000 | $ 62,300 | $ 34,000 |
| College Station-Bryan, TX | 10 | $ 687,000 | $ 68,700 | $ 47,000 |
| Colorado Springs, CO | 10 | $ 796,000 | $ 79,600 | $ 45,000 |
| Decatur, IL | 10 | $ 432,000 | $ 43,200 | $ 25,000 |
| Green Bay, WI | 10 | $ 1,887,000 | $ 188,700 | $ 98,000 |
| Lexington-Fayette, KY | 10 | $ 753,000 | $ 75,300 | $ 30,000 |
| Madison, WI | 10 | $ 846,000 | $ 84,600 | $ 57,000 |
| Naples-Marco Island, FL | 10 | $ 771,000 | $ 77,100 | $ 46,000 |
| San Diego-Carlsbad-San Marcos, CA | 10 | $ 1,754,000 | $ 175,400 | $ 57,000 |
| Spokane, WA | 10 | $ 765,000 | $ 76,500 | $ 25,000 |
| Tyler, TX | 10 | $ 564,000 | $ 56,400 | $ 51,000 |
| Lake Charles, LA | 9 | $ 603,000 | $ 67,000 | $ 31,000 |
| Victoria, TX | 9 | $ 383,000 | $ 42,555 | $ 40,000 |
| Bloomington-Normal, IL | 8 | $ 610,000 | $ 76,250 | $ 43,000 |
| Duluth, MN-WI | 8 | $ 462,000 | $ 57,750 | $ 40,000 |
| Evansville, IN-KY | 8 | $ 512,000 | $ 64,000 | $ 120,000 |
| Kankakee-Bradley, IL | 8 | $ 479,000 | $ 59,875 | $ 29,000 |
| Kingsport-Bristol-Bristol, TN-VA | 8 | $ 432,000 | $ 54,000 | $ 25,000 |
| Longview, TX | 8 | $ 384,000 | $ 48,000 | $ 43,000 |
| Santa Ana-Anaheim-Irvine, CA | 8 | $ 1,511,000 | $ 188,875 | $ 88,000 |
| Stockton, CA | 8 | $ 812,000 | $ 101,500 | $ 46,000 |
| Gainesville, FL | 7 | $ 397,000 | $ 56,714 | $ 36,000 |
| Jackson, TN | 7 | $ 358,000 | $ 51,142 | $ 42,000 |
| Panama City-Lynn Haven, FL | 7 | $ 371,000 | $ 53,000 | $ 36,000 |
| Albuquerque, NM | 6 | $ 598,000 | $ 99,666 | $ 44,000 |
| Appleton, WI | 6 | $ 301,000 | $ 50,166 | $ 46,000 |
| Binghamton, NY | 6 | $ 436,000 | $ 72,666 | $ 40,000 |
| Columbus, IN | 6 | $ 424,000 | $ 70,666 | $ 34,000 |
| Fort Walton Beach-Crestview-Destin, FL | 6 | $ 555,000 | $ 92,500 | $ 42,000 |
| Janesville, WI | 6 | $ 421,000 | $ 70,166 | $ 37,000 |
| Sheboygan, WI | 6 | $ 589,000 | $ 98,166 | $ 38,000 |
| Visalia-Porterville, CA | 6 | $ 554,000 | $ 92,333 | $ 32,000 |
| Alexandria, LA | 5 | $ 372,000 | $ 74,400 | $ 33,000 |
| Bellingham, WA | 5 | $ 596,000 | $ 119,200 | $ 134,000 |
| Bowling Green, KY | 5 | $ 351,000 | $ 70,200 | $ 37,000 |
| Bremerton-Silverdale, WA | 5 | $ 331,000 | $ 66,200 | $ 32,000 |
| Johnson City, TN | 5 | $ 237,000 | $ 47,400 | $ 40,000 |
| Kennewick-Richland-Pasco, WA | 5 | $ 324,000 | $ 64,800 | $ 47,000 |
| Owensboro, KY | 5 | $ 195,000 | $ 39,000 | $ 19,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 5 | $ 1,000,000 | $ 200,000 | $ 112,000 |
| Wausau, WI | 5 | $ 451,000 | $ 90,200 | $ 51,000 |
| Yuba City, CA | 5 | $ 285,000 | $ 57,000 | $ 43,000 |
| Chattanooga, TN-GA | 4 | $ 187,000 | $ 46,750 | $ 31,000 |
| Cleveland, TN | 4 | $ 309,000 | $ 77,250 | $ 31,000 |
| Eugene-Springfield, OR | 4 | $ 175,000 | $ 43,750 | $ 50,000 |
| Fond Du Lac, WI | 4 | $ 330,000 | $ 82,500 | $ 38,000 |
| Hanford-Corcoran, CA | 4 | $ 306,000 | $ 76,500 | $ 38,000 |
| Lawton, OK | 4 | $ 225,000 | $ 56,250 | $ 49,000 |
| Medford, OR | 4 | $ 310,000 | $ 77,500 | $ 63,000 |
| Olympia, WA | 4 | $ 286,000 | $ 71,500 | $ 68,000 |
| Oshkosh-Neenah, WI | 4 | $ 320,000 | $ 80,000 | $ 68,000 |
| Prescott, AZ | 4 | $ 190,000 | $ 47,500 | $ 32,000 |
| Pueblo, CO | 4 | $ 198,000 | $ 49,500 | $ 48,000 |
| Springfield, IL | 4 | $ 135,000 | $ 33,750 | $ 39,000 |
| Yakima, WA | 4 | $ 255,000 | $ 63,750 | $ 41,000 |
| Clarksville, TN-KY | 3 | $ 211,000 | $ 70,333 | $ 51,000 |
| Cumberland, MD-WV | 3 | $ 177,000 | $ 59,000 | $ 26,000 |
| Eau Claire, WI | 3 | $ 381,000 | $ 127,000 | $ 47,000 |
| Elmira, NY | 3 | $ 152,000 | $ 50,666 | $ 24,000 |
| Las Cruces, NM | 3 | $ 265,000 | $ 88,333 | $ 47,000 |
| Merced, CA | 3 | $ 121,000 | $ 40,333 | $ 49,000 |
| Morristown, TN | 3 | $ 294,000 | $ 98,000 | $ 36,000 |
| Mount Vernon-Anacortes, WA | 3 | $ 182,000 | $ 60,666 | $ 65,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 3 | $ 1,145,000 | $ 381,666 | $ 129,000 |
| Racine, WI | 3 | $ 232,000 | $ 77,333 | $ 54,000 |
| Salem, OR | 3 | $ 159,000 | $ 53,000 | $ 33,000 |
| Carson City, NV | 2 | $ 289,000 | $ 144,500 | $ 69,000 |
| Chico, CA | 2 | $ 124,000 | $ 62,000 | $ 47,000 |
| Greeley, CO | 2 | $ 200,000 | $ 100,000 | $ 24,000 |
| Monroe, LA | 2 | $ 94,000 | $ 47,000 | $ 46,000 |
| Punta Gorda, FL | 2 | $ 125,000 | $ 62,500 | $ 31,000 |
| Santa Fe, NM | 2 | $ 516,000 | $ 258,000 | $ 73,000 |
| St. Cloud, MN | 2 | $ 151,000 | $ 75,500 | $ 85,000 |
| Texarkana, Tx-Texarkana, AR | 2 | $ 55,000 | $ 27,500 | $ 38,000 |
| Vero Beach, FL | 2 | $ 122,000 | $ 61,000 | $ 30,000 |
| Wenatchee, WA | 2 | $ 232,000 | $ 116,000 | $ 49,000 |
| Boise City-Nampa, ID | 1 | $ 50,000 | $ 50,000 | $ 63,000 |
| Boulder, CO | 1 | $ 265,000 | $ 265,000 | $ 66,000 |
| Burlington-South Burlington, VT | 1 | $ 121,000 | $ 121,000 | $ 34,000 |
| Farmington, NM | 1 | $ 60,000 | $ 60,000 | $ 60,000 |
| Flagstaff, AZ | 1 | $ 161,000 | $ 161,000 | $ 55,000 |
| Grand Junction, CO | 1 | $ 95,000 | $ 95,000 | $ 32,000 |
| Idaho Falls, ID | 1 | $ 86,000 | $ 86,000 | $ 65,000 |
| Ithaca, NY | 1 | $ 50,000 | $ 50,000 | $ 33,000 |
| La Crosse, WI-MN | 1 | $ 70,000 | $ 70,000 | $ 25,000 |
| Longview, WA | 1 | $ 127,000 | $ 127,000 | $ 32,000 |
| Mansfield, OH | 1 | $ 80,000 | $ 80,000 | $ 62,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 1 | $ 35,000 | $ 35,000 | $ 22,000 |
| Napa, CA | 1 | $ 320,000 | $ 320,000 | $ 82,000 |
| Ogden-Clearfield, UT | 1 | $ 52,000 | $ 52,000 | $ 16,000 |
| Rochester, MN | 1 | $ 64,000 | $ 64,000 | $ 46,000 |
| Rocky Mount, NC | 1 | $ 59,000 | $ 59,000 | $ 27,000 |
| Salinas, CA | 1 | $ 64,000 | $ 64,000 | $ 17,000 |
| Salt Lake City, UT | 1 | $ 91,000 | $ 91,000 | $ 2,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 1 | $ 124,000 | $ 124,000 | $ 60,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 30,000 | $ 30,000 | $ 70,000 |
| Spartanburg, SC | 1 | $ 45,000 | $ 45,000 | $ 57,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 115,000 | $ 115,000 | $ 350,000 |
| Yuma, AZ | 1 | $ 129,000 | $ 129,000 | $ 64,000 |
Mortgage Loan Application Detail Totals for Home Loan Investment Bank 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 | 18,593 | $1,867,551,000 | $98,621 | $2,450,000 | $58,405 | $5,760,000 |
| Home Improvement | 5,920 | $270,478,000 | $40,243 | $835,000 | $55,486 | $2,160,000 |
| Home Purchase | 155 | $21,982,000 | $92,800 | $700,000 | $50,500 | $360,000 |
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 | 11,925 | $1,036,636,000 | $82,514 | $2,450,000 | $56,085 | $5,760,000 |
| Not Provided | 5,414 | $516,155,000 | $89,200 | $2,200,000 | $54,657 | $2,160,000 |
| Black or African American | 4,657 | $359,942,000 | $81,281 | $800,000 | $54,531 | $2,049,000 |
| Hispanic | 1,736 | $145,828,000 | $87,125 | $610,000 | $49,125 | $2,000,000 |
| Asian | 584 | $72,550,000 | $104,925 | $766,000 | $66,851 | $1,896,000 |
| American Indian or Alaskan Native | 234 | $18,379,000 | $78,965 | $440,000 | $49,896 | $310,000 |
| Native Hawaiian or Other Pacific Islander | 118 | $10,521,000 | $88,650 | $424,000 | $57,200 | $264,000 |
| 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) | 24,668 | $2,160,011,000 | $81,435 | $2,450,000 | $60,128 | $5,760,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 12,451 | $1,063,859,000 | $88,026 | $2,450,000 | $57,157 | $2,049,000 |
| Application Approved But Not Accepted | 9,928 | $864,703,000 | $77,250 | $2,150,000 | $60,833 | $5,760,000 |
| Loan Originated | 2,289 | $231,449,000 | $87,625 | $820,000 | $48,437 | $442,000 |
| 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 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Other | 5,018 | $371,493,000 | $81,617 | $1,110,000 | $63,147 | $1,896,000 |
| Collateral | 4,222 | $348,933,000 | $90,333 | $1,240,000 | $58,424 | $2,049,000 |
| Debt-To-Income Ratio | 3,206 | $343,063,000 | $97,787 | $2,450,000 | $36,727 | $400,000 |
| Unverifiable Information | 2 | $162,000 | $81,000 | $97,000 | $106,000 | $192,000 |
| Credit History | 2 | $148,000 | $74,000 | $78,000 | $94,500 | $159,000 |
| Credit Application Incomplete | 1 | $60,000 | $60,000 | $60,000 | $504,000 | $504,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Home Loan Investment Bank'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 Investment Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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with aggregated HMDA statistics today.
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