Home Loan Investment Bank Mortgage Lending & HMDA Data, 2006
In 2006, Home Loan Investment Bank of Warwick, RI reported 33,705 mortgage applications totaling $3.4 billion, down 3% from 2005. The average application was for $101,785, and applicants reported an average income of $55,081. 8% of its applications resulted in an originated loan and 48% were denied. Its largest markets were Philadelphia, PA (1,072), Atlanta-Sandy Springs-Marietta, GA (837) and Providence-New Bedford-Fall River, RI-MA (832) (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 | 33,705 |
| Total Mortgage Loan Application Amount | $3,430,686,000 |
| Average Mortgage Loan Application Amount | $101,785 |
| Highest Mortgage Loan Application Amount | $2,100,000 |
| Average Applicant Income | $55,081 |
| Highest Applicant Income | $7,644,000 |
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records Home Loan Investment Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Philadelphia, PA | 1,072 | $ 79,718,000 | $ 74,363 | $ 48,000 |
| Atlanta-Sandy Springs-Marietta, GA | 837 | $ 101,088,000 | $ 120,774 | $ 58,000 |
| Providence-New Bedford-Fall River, RI-MA | 832 | $ 150,607,000 | $ 181,018 | $ 64,885 |
| New York-White Plains-Wayne, NY-NJ | 772 | $ 162,878,000 | $ 210,981 | $ 82,265 |
| St. Louis, MO-IL | 568 | $ 43,176,000 | $ 76,014 | $ 48,632 |
| Chicago-Naperville-Joliet, IL | 552 | $ 78,446,000 | $ 142,112 | $ 74,000 |
| Charlotte-Gastonia-Concord, NC-SC | 551 | $ 61,017,000 | $ 110,738 | $ 57,088 |
| Detroit-Livonia-Dearborn, MI | 551 | $ 42,660,000 | $ 77,422 | $ 45,000 |
| Cleveland-Elyria-Mentor, OH | 473 | $ 41,715,000 | $ 88,192 | $ 48,000 |
| Pittsburgh, PA | 425 | $ 28,168,000 | $ 66,277 | $ 70,000 |
| Nassau-Suffolk, NY | 382 | $ 84,007,000 | $ 219,913 | $ 91,000 |
| Memphis, TN-MS-AR | 355 | $ 30,380,000 | $ 85,577 | $ 48,000 |
| Tampa-St. Petersburg-Clearwater, FL | 354 | $ 35,781,000 | $ 101,076 | $ 50,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 345 | $ 68,094,000 | $ 197,373 | $ 76,640 |
| Edison, NJ | 344 | $ 60,992,000 | $ 177,302 | $ 84,000 |
| Baltimore-Towson, MD | 326 | $ 39,121,000 | $ 120,003 | $ 55,000 |
| Kansas City, MO-KS | 323 | $ 25,833,000 | $ 79,978 | $ 46,272 |
| Camden, NJ | 317 | $ 35,399,000 | $ 111,668 | $ 64,000 |
| Cincinnati-Middletown, OH-KY-IN | 293 | $ 27,020,000 | $ 92,218 | $ 50,607 |
| Nashville-Davidson--Murfreesboro, TN | 289 | $ 29,598,000 | $ 102,415 | $ 64,000 |
| Raleigh-Cary, NC | 260 | $ 32,786,000 | $ 126,100 | $ 62,000 |
| Greensboro-High Point, NC | 255 | $ 25,538,000 | $ 100,149 | $ 53,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 255 | $ 28,825,000 | $ 113,039 | $ 53,705 |
| Indianapolis-Carmel, IN | 253 | $ 22,352,000 | $ 88,347 | $ 48,000 |
| Milwaukee-Waukesha-West Allis, WI | 250 | $ 26,005,000 | $ 104,020 | $ 56,000 |
| Newark-Union, NJ-PA | 250 | $ 45,650,000 | $ 182,600 | $ 84,024 |
| Boston-Quincy, MA | 230 | $ 45,503,000 | $ 197,839 | $ 86,000 |
| Albany-Schenectady-Troy, NY | 223 | $ 20,319,000 | $ 91,116 | $ 56,000 |
| Columbus, OH | 222 | $ 24,873,000 | $ 112,040 | $ 58,000 |
| Louisville-Jefferson County, KY-IN | 208 | $ 18,658,000 | $ 89,701 | $ 49,115 |
| Youngstown-Warren-Boardman, OH-PA | 201 | $ 12,851,000 | $ 63,935 | $ 45,676 |
| Fayetteville, NC | 192 | $ 15,552,000 | $ 81,000 | $ 52,000 |
| Hartford-West Hartford-East Hartford, CT | 182 | $ 24,374,000 | $ 133,923 | $ 70,000 |
| Columbia, SC | 179 | $ 14,944,000 | $ 83,486 | $ 46,000 |
| Gary, IN | 177 | $ 13,170,000 | $ 74,406 | $ 52,000 |
| Richmond, VA | 176 | $ 20,733,000 | $ 117,801 | $ 54,000 |
| Orlando-Kissimmee, FL | 169 | $ 19,899,000 | $ 117,745 | $ 59,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 168 | $ 16,693,000 | $ 99,363 | $ 57,833 |
| Winston-Salem, NC | 166 | $ 15,211,000 | $ 91,632 | $ 48,000 |
| New Haven-Milford, CT | 160 | $ 20,965,000 | $ 131,031 | $ 57,000 |
| Chattanooga, TN-GA | 159 | $ 12,768,000 | $ 80,301 | $ 51,540 |
| Poughkeepsie-Newburgh-Middletown, NY | 156 | $ 24,112,000 | $ 154,564 | $ 78,000 |
| Warren-Troy-Farmington Hills, MI | 154 | $ 18,552,000 | $ 120,467 | $ 69,000 |
| Buffalo-Niagara Falls, NY | 153 | $ 9,404,000 | $ 61,464 | $ 48,000 |
| Toledo, OH | 153 | $ 11,798,000 | $ 77,111 | $ 44,000 |
| Knoxville, TN | 140 | $ 11,818,000 | $ 84,414 | $ 50,000 |
| Springfield, MA | 140 | $ 16,724,000 | $ 119,457 | $ 55,000 |
| Jacksonville, FL | 139 | $ 14,095,000 | $ 101,402 | $ 55,000 |
| Durham, NC | 137 | $ 15,997,000 | $ 116,766 | $ 67,000 |
| Charleston-North Charleston, SC | 136 | $ 15,183,000 | $ 111,639 | $ 69,000 |
| Flint, MI | 136 | $ 8,262,000 | $ 60,750 | $ 38,000 |
| Wilmington, DE-MD-NJ | 134 | $ 15,276,000 | $ 114,000 | $ 60,880 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 133 | $ 17,735,000 | $ 133,345 | $ 75,000 |
| Scranton--Wilkes-Barre, PA | 132 | $ 9,664,000 | $ 73,212 | $ 46,000 |
| Augusta-Richmond County, GA-SC | 131 | $ 8,671,000 | $ 66,190 | $ 42,244 |
| Portland-South Portland-Biddeford, ME | 127 | $ 18,534,000 | $ 145,937 | $ 61,000 |
| Wilmington, NC | 125 | $ 13,510,000 | $ 108,080 | $ 53,000 |
| Hickory-Lenoir-Morganton, NC | 124 | $ 10,921,000 | $ 88,072 | $ 50,000 |
| Dayton, OH | 122 | $ 12,059,000 | $ 98,844 | $ 87,000 |
| Miami-Miami Beach-Kendall, FL | 121 | $ 16,133,000 | $ 133,330 | $ 57,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 119 | $ 15,274,000 | $ 128,352 | $ 69,075 |
| Lakeland, FL | 115 | $ 11,337,000 | $ 98,582 | $ 46,000 |
| Wichita, KS | 115 | $ 8,472,000 | $ 73,669 | $ 48,000 |
| Worcester, MA | 115 | $ 20,079,000 | $ 174,600 | $ 78,000 |
| Rochester, NY | 113 | $ 8,240,000 | $ 72,920 | $ 59,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 113 | $ 14,808,000 | $ 131,044 | $ 73,000 |
| Cambridge-Newton-Framingham, MA | 111 | $ 22,894,000 | $ 206,252 | $ 90,000 |
| Fort Wayne, IN | 109 | $ 8,170,000 | $ 74,954 | $ 46,000 |
| Peoria, IL | 109 | $ 7,579,000 | $ 69,532 | $ 49,000 |
| South Bend-Mishawaka, IN-MI | 107 | $ 6,821,000 | $ 63,747 | $ 38,878 |
| Greenville, SC | 106 | $ 8,540,000 | $ 80,566 | $ 46,000 |
| Syracuse, NY | 106 | $ 7,506,000 | $ 70,811 | $ 52,000 |
| Huntington-Ashland, WV-KY-OH | 100 | $ 6,619,000 | $ 66,190 | $ 41,330 |
| Las Vegas-Paradise, NV | 97 | $ 17,543,000 | $ 180,855 | $ 67,000 |
| Lexington-Fayette, KY | 97 | $ 9,672,000 | $ 99,711 | $ 60,000 |
| Canton-Massillon, OH | 96 | $ 8,067,000 | $ 84,031 | $ 46,000 |
| Akron, OH | 93 | $ 8,036,000 | $ 86,408 | $ 49,000 |
| Essex County, MA | 89 | $ 19,242,000 | $ 216,202 | $ 73,000 |
| Harrisburg-Carlisle, PA | 88 | $ 7,236,000 | $ 82,227 | $ 58,000 |
| Atlantic City, NJ | 87 | $ 11,917,000 | $ 136,977 | $ 61,000 |
| Bridgeport-Stamford-Norwalk, CT | 86 | $ 16,711,000 | $ 194,313 | $ 99,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 84 | $ 9,232,000 | $ 109,904 | $ 48,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 83 | $ 8,036,000 | $ 96,819 | $ 44,000 |
| Clarksville, TN-KY | 81 | $ 6,059,000 | $ 74,802 | $ 46,209 |
| Cape Coral-Fort Myers, FL | 77 | $ 10,185,000 | $ 132,272 | $ 59,000 |
| Lake County-Kenosha County, IL-WI | 76 | $ 10,990,000 | $ 144,605 | $ 67,881 |
| Topeka, KS | 73 | $ 5,137,000 | $ 70,369 | $ 51,000 |
| Saginaw-Saginaw Township North, MI | 72 | $ 4,338,000 | $ 60,250 | $ 35,000 |
| Springfield, MO | 71 | $ 4,816,000 | $ 67,830 | $ 45,000 |
| Trenton-Ewing, NJ | 71 | $ 9,616,000 | $ 135,436 | $ 81,000 |
| York-Hanover, PA | 71 | $ 5,534,000 | $ 77,943 | $ 55,000 |
| Evansville, IN-KY | 70 | $ 4,750,000 | $ 67,857 | $ 40,542 |
| Kalamazoo-Portage, MI | 69 | $ 5,170,000 | $ 74,927 | $ 42,000 |
| Kingsport-Bristol-Bristol, TN-VA | 69 | $ 5,260,000 | $ 76,231 | $ 43,913 |
| Palm Bay-Melbourne-Titusville, FL | 69 | $ 7,532,000 | $ 109,159 | $ 53,000 |
| Grand Rapids-Wyoming, MI | 68 | $ 6,160,000 | $ 90,588 | $ 48,000 |
| Phoenix-Mesa-Scottsdale, AZ | 68 | $ 11,091,000 | $ 163,102 | $ 65,000 |
| Rocky Mount, NC | 67 | $ 5,665,000 | $ 84,552 | $ 47,000 |
| Columbus, GA-AL | 66 | $ 5,958,000 | $ 90,272 | $ 51,000 |
| Utica-Rome, NY | 66 | $ 3,843,000 | $ 58,227 | $ 63,000 |
| Sarasota-Bradenton-Venice, FL | 65 | $ 6,895,000 | $ 106,076 | $ 53,000 |
| Lansing-East Lansing, MI | 64 | $ 6,030,000 | $ 94,218 | $ 46,000 |
| Reading, PA | 63 | $ 4,003,000 | $ 63,539 | $ 47,000 |
| Asheville, NC | 62 | $ 7,709,000 | $ 124,338 | $ 62,000 |
| Spartanburg, SC | 61 | $ 4,987,000 | $ 81,754 | $ 44,000 |
| Jacksonville, NC | 60 | $ 5,372,000 | $ 89,533 | $ 45,000 |
| Manchester-Nashua, NH | 60 | $ 9,134,000 | $ 152,233 | $ 88,000 |
| Port St. Lucie-Fort Pierce, FL | 60 | $ 6,722,000 | $ 112,033 | $ 90,000 |
| Terre Haute, IN | 59 | $ 3,758,000 | $ 63,694 | $ 44,000 |
| Ocala, FL | 57 | $ 4,392,000 | $ 77,052 | $ 55,000 |
| Springfield, IL | 57 | $ 3,821,000 | $ 67,035 | $ 44,000 |
| Muskegon-Norton Shores, MI | 56 | $ 3,915,000 | $ 69,910 | $ 38,000 |
| Roanoke, VA | 56 | $ 4,965,000 | $ 88,660 | $ 42,000 |
| Burlington, NC | 55 | $ 5,822,000 | $ 105,854 | $ 56,000 |
| Greenville, NC | 55 | $ 4,619,000 | $ 83,981 | $ 48,000 |
| Vineland-Millville-Bridgeton, NJ | 55 | $ 5,583,000 | $ 101,509 | $ 50,000 |
| Rockingham County-Strafford County, NH | 52 | $ 9,143,000 | $ 175,826 | $ 71,000 |
| Florence, SC | 51 | $ 3,566,000 | $ 69,921 | $ 43,000 |
| Houston-Sugar Land-Baytown, TX | 51 | $ 3,442,000 | $ 67,490 | $ 54,000 |
| Lancaster, PA | 51 | $ 5,148,000 | $ 100,941 | $ 52,000 |
| Niles-Benton Harbor, MI | 51 | $ 4,338,000 | $ 85,058 | $ 37,000 |
| Champaign-Urbana, IL | 50 | $ 3,626,000 | $ 72,520 | $ 48,000 |
| Erie, PA | 50 | $ 2,862,000 | $ 57,240 | $ 37,000 |
| Jackson, MI | 50 | $ 4,202,000 | $ 84,040 | $ 47,000 |
| Tallahassee, FL | 50 | $ 4,339,000 | $ 86,780 | $ 45,000 |
| Weirton-Steubenville, WV-OH | 50 | $ 2,905,000 | $ 58,100 | $ 37,320 |
| Pensacola-Ferry Pass-Brent, FL | 49 | $ 4,803,000 | $ 98,020 | $ 52,000 |
| Salt Lake City, UT | 49 | $ 5,324,000 | $ 108,653 | $ 48,000 |
| Joplin, MO | 48 | $ 3,253,000 | $ 67,770 | $ 36,000 |
| Johnson City, TN | 47 | $ 4,163,000 | $ 88,574 | $ 48,000 |
| Battle Creek, MI | 46 | $ 3,639,000 | $ 79,108 | $ 38,000 |
| Decatur, IL | 46 | $ 2,228,000 | $ 48,434 | $ 39,000 |
| Glens Falls, NY | 46 | $ 3,586,000 | $ 77,956 | $ 45,000 |
| Hagerstown-Martinsburg, MD-WV | 46 | $ 5,609,000 | $ 121,934 | $ 57,000 |
| Bangor, ME | 45 | $ 3,691,000 | $ 82,022 | $ 114,000 |
| Denver-Aurora, CO | 45 | $ 6,798,000 | $ 151,066 | $ 87,000 |
| Jackson, TN | 45 | $ 2,809,000 | $ 62,422 | $ 38,000 |
| Macon, GA | 45 | $ 4,124,000 | $ 91,644 | $ 49,000 |
| Bethesda-Gaithersburg-Frederick, MD | 43 | $ 9,234,000 | $ 214,744 | $ 118,000 |
| Binghamton, NY | 43 | $ 2,244,000 | $ 52,186 | $ 51,000 |
| Kingston, NY | 43 | $ 6,066,000 | $ 141,069 | $ 69,000 |
| Madison, WI | 43 | $ 6,116,000 | $ 142,232 | $ 60,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 43 | $ 3,092,000 | $ 71,906 | $ 37,162 |
| Wheeling, WV-OH | 43 | $ 2,380,000 | $ 55,348 | $ 55,372 |
| Albany, GA | 42 | $ 2,479,000 | $ 59,023 | $ 45,000 |
| Goldsboro, NC | 42 | $ 3,595,000 | $ 85,595 | $ 45,000 |
| Johnstown, PA | 42 | $ 1,751,000 | $ 41,690 | $ 36,000 |
| Rockford, IL | 42 | $ 3,343,000 | $ 79,595 | $ 58,000 |
| Savannah, GA | 42 | $ 4,166,000 | $ 99,190 | $ 53,000 |
| Charleston, WV | 41 | $ 2,499,000 | $ 60,951 | $ 46,000 |
| Springfield, OH | 41 | $ 2,901,000 | $ 70,756 | $ 48,000 |
| Norwich-New London, CT | 40 | $ 5,362,000 | $ 134,050 | $ 62,000 |
| Danville, IL | 39 | $ 1,641,000 | $ 42,076 | $ 40,000 |
| Dover, DE | 39 | $ 4,303,000 | $ 110,333 | $ 45,000 |
| Duluth, MN-WI | 39 | $ 2,877,000 | $ 73,769 | $ 45,564 |
| Lima, OH | 39 | $ 2,446,000 | $ 62,717 | $ 55,000 |
| Lynchburg, VA | 39 | $ 2,978,000 | $ 76,358 | $ 41,000 |
| Morristown, TN | 39 | $ 4,112,000 | $ 105,435 | $ 54,000 |
| Oklahoma City, OK | 39 | $ 3,251,000 | $ 83,358 | $ 53,000 |
| Green Bay, WI | 38 | $ 4,288,000 | $ 112,842 | $ 51,000 |
| Elkhart-Goshen, IN | 37 | $ 2,522,000 | $ 68,162 | $ 39,000 |
| Anderson, SC | 36 | $ 3,013,000 | $ 83,694 | $ 45,000 |
| Bloomington-Normal, IL | 35 | $ 2,896,000 | $ 82,742 | $ 53,000 |
| Davenport-Moline-Rock Island, IA-IL | 35 | $ 2,337,000 | $ 66,771 | $ 49,000 |
| St. Joseph, MO-KS | 35 | $ 2,254,000 | $ 64,400 | $ 42,771 |
| Sumter, SC | 35 | $ 2,102,000 | $ 60,057 | $ 41,000 |
| Tulsa, OK | 35 | $ 2,879,000 | $ 82,257 | $ 48,000 |
| Janesville, WI | 34 | $ 3,261,000 | $ 95,911 | $ 43,000 |
| Altoona, PA | 33 | $ 1,937,000 | $ 58,696 | $ 44,000 |
| Bloomington, IN | 33 | $ 2,513,000 | $ 76,151 | $ 46,000 |
| Michigan City-La Porte, IN | 32 | $ 2,111,000 | $ 65,968 | $ 53,000 |
| Muncie, IN | 31 | $ 1,553,000 | $ 50,096 | $ 39,000 |
| Anderson, IN | 30 | $ 1,914,000 | $ 63,800 | $ 58,000 |
| Dalton, GA | 30 | $ 2,342,000 | $ 78,066 | $ 40,000 |
| Seattle-Bellevue-Everett, WA | 29 | $ 4,250,000 | $ 146,551 | $ 70,000 |
| Warner Robins, GA | 29 | $ 2,402,000 | $ 82,827 | $ 41,000 |
| Bay City, MI | 28 | $ 2,134,000 | $ 76,214 | $ 45,000 |
| Kankakee-Bradley, IL | 28 | $ 2,211,000 | $ 78,964 | $ 52,000 |
| New Orleans-Metairie-Kenner, LA | 28 | $ 2,710,000 | $ 96,785 | $ 67,000 |
| Racine, WI | 28 | $ 3,156,000 | $ 112,714 | $ 66,000 |
| Williamsport, PA | 28 | $ 2,127,000 | $ 75,964 | $ 40,000 |
| Kokomo, IN | 27 | $ 1,584,000 | $ 58,666 | $ 55,000 |
| Ocean City, NJ | 27 | $ 2,816,000 | $ 104,296 | $ 56,000 |
| Appleton, WI | 26 | $ 2,545,000 | $ 97,884 | $ 51,000 |
| Barnstable Town, MA | 26 | $ 4,593,000 | $ 176,653 | $ 71,000 |
| Colorado Springs, CO | 26 | $ 3,112,000 | $ 119,692 | $ 61,000 |
| Elizabethtown, KY | 26 | $ 2,624,000 | $ 100,923 | $ 53,000 |
| Owensboro, KY | 26 | $ 1,389,000 | $ 53,423 | $ 44,000 |
| Hinesville-Fort Stewart, GA | 25 | $ 2,161,000 | $ 86,440 | $ 58,000 |
| Jefferson City, MO | 25 | $ 1,823,000 | $ 72,920 | $ 52,000 |
| Lewiston-Auburn, ME | 25 | $ 3,096,000 | $ 123,840 | $ 62,000 |
| Oshkosh-Neenah, WI | 25 | $ 2,124,000 | $ 84,960 | $ 40,000 |
| Reno-Sparks, NV | 25 | $ 4,841,000 | $ 193,640 | $ 52,000 |
| Valdosta, GA | 25 | $ 1,620,000 | $ 64,800 | $ 52,000 |
| Athens-Clarke County, GA | 24 | $ 1,947,000 | $ 81,125 | $ 93,000 |
| Blacksburg-Christiansburg-Radford, VA | 24 | $ 1,947,000 | $ 81,125 | $ 45,000 |
| Fort Walton Beach-Crestview-Destin, FL | 24 | $ 2,303,000 | $ 95,958 | $ 58,000 |
| Gainesville, GA | 24 | $ 2,608,000 | $ 108,666 | $ 51,000 |
| Morgantown, WV | 24 | $ 1,658,000 | $ 69,083 | $ 42,000 |
| Punta Gorda, FL | 24 | $ 3,026,000 | $ 126,083 | $ 86,000 |
| Spokane, WA | 24 | $ 2,491,000 | $ 103,791 | $ 43,000 |
| Holland-Grand Haven, MI | 23 | $ 3,017,000 | $ 131,173 | $ 58,000 |
| Lebanon, PA | 23 | $ 2,012,000 | $ 87,478 | $ 64,000 |
| Tacoma, WA | 23 | $ 3,463,000 | $ 150,565 | $ 82,000 |
| Brunswick, GA | 22 | $ 2,540,000 | $ 115,454 | $ 56,000 |
| Cleveland, TN | 22 | $ 1,821,000 | $ 82,772 | $ 40,000 |
| Naples-Marco Island, FL | 22 | $ 3,871,000 | $ 175,954 | $ 71,000 |
| Provo-Orem, UT | 22 | $ 3,708,000 | $ 168,545 | $ 55,000 |
| Gainesville, FL | 21 | $ 1,693,000 | $ 80,619 | $ 36,000 |
| Monroe, MI | 21 | $ 2,189,000 | $ 104,238 | $ 69,000 |
| Pittsfield, MA | 21 | $ 2,459,000 | $ 117,095 | $ 51,000 |
| Wausau, WI | 21 | $ 1,650,000 | $ 78,571 | $ 44,000 |
| Ann Arbor, MI | 20 | $ 2,802,000 | $ 140,100 | $ 52,000 |
| Bowling Green, KY | 19 | $ 1,410,000 | $ 74,210 | $ 88,000 |
| Fond Du Lac, WI | 19 | $ 1,380,000 | $ 72,631 | $ 51,000 |
| Fort Worth-Arlington, TX | 19 | $ 1,169,000 | $ 61,526 | $ 45,000 |
| Lafayette, IN | 19 | $ 1,171,000 | $ 61,631 | $ 41,000 |
| Salisbury, MD | 19 | $ 1,470,000 | $ 77,368 | $ 75,000 |
| Sebastian-Vero Beach, FL | 19 | $ 2,150,000 | $ 113,157 | $ 39,000 |
| Charlottesville, VA | 18 | $ 1,716,000 | $ 95,333 | $ 47,000 |
| Eugene-Springfield, OR | 18 | $ 2,858,000 | $ 158,777 | $ 80,000 |
| Mansfield, OH | 18 | $ 1,197,000 | $ 66,500 | $ 48,000 |
| Panama City-Lynn Haven, FL | 18 | $ 2,192,000 | $ 121,777 | $ 55,000 |
| Rome, GA | 18 | $ 1,262,000 | $ 70,111 | $ 44,000 |
| Winchester, VA-WV | 18 | $ 1,717,000 | $ 95,388 | $ 48,888 |
| Columbia, MO | 17 | $ 1,508,000 | $ 88,705 | $ 48,000 |
| Columbus, IN | 17 | $ 1,333,000 | $ 78,411 | $ 45,000 |
| Portland-Vancouver-Beaverton, OR-WA | 17 | $ 1,999,000 | $ 117,588 | $ 75,000 |
| Cumberland, MD-WV | 16 | $ 1,114,000 | $ 69,625 | $ 43,750 |
| Sheboygan, WI | 15 | $ 1,503,000 | $ 100,200 | $ 43,000 |
| Tucson, AZ | 15 | $ 1,169,000 | $ 77,933 | $ 43,000 |
| Dallas-Plano-Irving, TX | 14 | $ 935,000 | $ 66,785 | $ 44,000 |
| Danville, VA | 14 | $ 831,000 | $ 59,357 | $ 31,000 |
| El Paso, TX | 14 | $ 981,000 | $ 70,071 | $ 38,000 |
| Elmira, NY | 14 | $ 787,000 | $ 56,214 | $ 37,000 |
| Rochester, MN | 14 | $ 1,468,000 | $ 104,857 | $ 57,000 |
| Sandusky, OH | 14 | $ 1,153,000 | $ 82,357 | $ 49,000 |
| Harrisonburg, VA | 13 | $ 1,475,000 | $ 113,461 | $ 63,000 |
| La Crosse, WI-MN | 13 | $ 1,012,000 | $ 77,846 | $ 35,153 |
| St. Cloud, MN | 13 | $ 1,381,000 | $ 106,230 | $ 63,000 |
| State College, PA | 13 | $ 1,305,000 | $ 100,384 | $ 48,000 |
| Lawrence, KS | 12 | $ 2,010,000 | $ 167,500 | $ 55,000 |
| Shreveport-Bossier City, LA | 12 | $ 744,000 | $ 62,000 | $ 40,000 |
| Baton Rouge, LA | 11 | $ 672,000 | $ 61,090 | $ 59,000 |
| Grand Forks, ND-MN | 10 | $ 560,000 | $ 56,000 | $ 40,000 |
| Kennewick-Richland-Pasco, WA | 10 | $ 1,116,000 | $ 111,600 | $ 57,000 |
| Prescott, AZ | 9 | $ 1,542,000 | $ 171,333 | $ 74,000 |
| Eau Claire, WI | 8 | $ 648,000 | $ 81,000 | $ 46,000 |
| Grand Junction, CO | 8 | $ 1,022,000 | $ 127,750 | $ 48,000 |
| Lawton, OK | 8 | $ 718,000 | $ 89,750 | $ 118,000 |
| Los Angeles-Long Beach-Glendale, CA | 8 | $ 2,355,000 | $ 294,375 | $ 66,000 |
| St. George, UT | 8 | $ 1,174,000 | $ 146,750 | $ 61,000 |
| Albuquerque, NM | 7 | $ 344,000 | $ 49,142 | $ 33,000 |
| Austin-Round Rock, TX | 7 | $ 570,000 | $ 81,428 | $ 37,000 |
| Fort Collins-Loveland, CO | 7 | $ 1,190,000 | $ 170,000 | $ 78,000 |
| Ithaca, NY | 7 | $ 458,000 | $ 65,428 | $ 63,000 |
| Yuma, AZ | 7 | $ 468,000 | $ 66,857 | $ 45,000 |
| Beaumont-Port Arthur, TX | 6 | $ 232,000 | $ 38,666 | $ 43,000 |
| Boulder, CO | 6 | $ 803,000 | $ 133,833 | $ 145,000 |
| Bremerton-Silverdale, WA | 6 | $ 822,000 | $ 137,000 | $ 76,000 |
| Greeley, CO | 6 | $ 879,000 | $ 146,500 | $ 67,000 |
| Olympia, WA | 6 | $ 868,000 | $ 144,666 | $ 49,000 |
| San Antonio, TX | 6 | $ 441,000 | $ 73,500 | $ 43,000 |
| Yakima, WA | 6 | $ 645,000 | $ 107,500 | $ 40,000 |
| Alexandria, LA | 5 | $ 390,000 | $ 78,000 | $ 52,000 |
| Amarillo, TX | 5 | $ 281,000 | $ 56,200 | $ 47,000 |
| Bellingham, WA | 5 | $ 915,000 | $ 183,000 | $ 32,000 |
| Brownsville-Harlingen, TX | 5 | $ 262,000 | $ 52,400 | $ 53,000 |
| Killeen-Temple-Fort Hood, TX | 5 | $ 378,000 | $ 75,600 | $ 56,000 |
| Logan, UT-ID | 5 | $ 511,000 | $ 102,200 | $ 81,000 |
| Longview, WA | 5 | $ 648,000 | $ 129,600 | $ 64,000 |
| Lubbock, TX | 5 | $ 123,000 | $ 24,600 | $ 35,000 |
| Ogden-Clearfield, UT | 5 | $ 652,000 | $ 130,400 | $ 88,000 |
| Riverside-San Bernardino-Ontario, CA | 5 | $ 923,000 | $ 184,600 | $ 64,000 |
| San Diego-Carlsbad-San Marcos, CA | 5 | $ 1,303,000 | $ 260,600 | $ 108,000 |
| Pueblo, CO | 4 | $ 235,000 | $ 58,750 | $ 68,000 |
| Corpus Christi, TX | 3 | $ 124,000 | $ 41,333 | $ 33,000 |
| Fargo, ND-MN | 3 | $ 146,000 | $ 48,666 | $ 31,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 3 | $ 326,000 | $ 108,666 | $ 51,000 |
| Flagstaff, AZ | 3 | $ 372,000 | $ 124,000 | $ 65,000 |
| Fort Smith, AR-OK | 3 | $ 190,000 | $ 63,333 | $ 66,000 |
| Lafayette, LA | 3 | $ 216,000 | $ 72,000 | $ 25,000 |
| Lake Charles, LA | 3 | $ 131,000 | $ 43,666 | $ 24,000 |
| McAllen-Edinburg-Mission, TX | 3 | $ 154,000 | $ 51,333 | $ 22,000 |
| Medford, OR | 3 | $ 378,000 | $ 126,000 | $ 56,000 |
| Mount Vernon-Anacortes, WA | 3 | $ 665,000 | $ 221,666 | $ 98,000 |
| Carson City, NV | 2 | $ 364,000 | $ 182,000 | $ 77,000 |
| Jackson, MS | 2 | $ 248,000 | $ 124,000 | $ 72,000 |
| Longview, TX | 2 | $ 81,000 | $ 40,500 | $ 40,000 |
| Midland, TX | 2 | $ 32,000 | $ 16,000 | $ 29,000 |
| Odessa, TX | 2 | $ 77,000 | $ 38,500 | $ 30,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 2 | $ 612,000 | $ 306,000 | $ 103,000 |
| Sherman-Denison, TX | 2 | $ 455,000 | $ 227,500 | $ 77,000 |
| Visalia-Porterville, CA | 2 | $ 132,000 | $ 66,000 | $ 67,000 |
| Wichita Falls, TX | 2 | $ 133,000 | $ 66,500 | $ 60,000 |
| Yuba City, CA | 2 | $ 413,000 | $ 206,500 | $ 62,000 |
| Bakersfield, CA | 1 | $ 71,000 | $ 71,000 | $ 13,000 |
| College Station-Bryan, TX | 1 | $ 80,000 | $ 80,000 | $ 54,000 |
| Hanford-Corcoran, CA | 1 | $ 135,000 | $ 135,000 | $ 46,000 |
| Houma-Bayou Cane-Thibodaux, LA | 1 | $ 65,000 | $ 65,000 | $ 50,000 |
| Merced, CA | 1 | $ 43,000 | $ 43,000 | $ 65,000 |
| Modesto, CA | 1 | $ 186,000 | $ 186,000 | $ 42,000 |
| Oakland-Fremont-Hayward, CA | 1 | $ 238,000 | $ 238,000 | $ 51,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 543,000 | $ 543,000 | $ 107,000 |
| Salem, OR | 1 | $ 220,000 | $ 220,000 | $ 90,000 |
| Santa Ana-Anaheim-Irvine, CA | 1 | $ 180,000 | $ 180,000 | $ 60,000 |
| Santa Fe, NM | 1 | $ 590,000 | $ 590,000 | $ 0 |
| Waco, TX | 1 | $ 88,000 | $ 88,000 | $ 47,000 |
Mortgage Loan Application Detail Totals for Home Loan Investment Bank 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 | 33,431 | $3,390,043,000 | $101,000 | $2,100,000 | $55,000 | $7,644,000 |
| Home Purchase | 274 | $40,643,000 | $148,000 | $759,000 | $65,000 | $420,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 18,538 | $1,816,961,000 | $98,000 | $1,500,000 | $57,000 | $4,480,000 |
| Not Provided | 7,467 | $879,931,000 | $117,000 | $2,100,000 | $59,000 | $7,644,000 |
| Black or African American | 5,731 | $505,079,000 | $88,000 | $1,030,000 | $44,000 | $2,448,000 |
| Hispanic | 1,208 | $140,385,000 | $116,000 | $750,000 | $53,000 | $1,200,000 |
| American Indian or Alaskan Native | 374 | $32,370,000 | $86,000 | $580,000 | $48,000 | $527,000 |
| Asian | 346 | $50,651,000 | $146,000 | $812,000 | $77,000 | $1,200,000 |
| Native Hawaiian or Other Pacific Islander | 41 | $5,309,000 | $129,000 | $615,000 | $53,000 | $144,000 |
| 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) | 33,705 | $3,430,686,000 | $101,000 | $2,100,000 | $55,000 | $7,644,000 |
| 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 | 16,271 | $1,736,190,000 | $106,000 | $2,100,000 | $47,000 | $7,644,000 |
| Application Approved But Not Accepted | 14,779 | $1,450,864,000 | $98,000 | $1,500,000 | $64,000 | $3,501,000 |
| Loan Originated | 2,655 | $243,632,000 | $91,000 | $880,000 | $55,000 | $1,333,000 |
| 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 | 8,367 | $637,287,000 | $76,000 | $2,100,000 | $49,000 | $7,644,000 |
| Debt-To-Income Ratio | 4,486 | $730,158,000 | $162,000 | $940,000 | $39,000 | $650,000 |
| Collateral | 3,411 | $368,425,000 | $108,000 | $690,000 | $51,000 | $4,480,000 |
| Credit History | 6 | $180,000 | $30,000 | $57,000 | $58,000 | $108,000 |
| Unverifiable Information | 1 | $140,000 | $140,000 | $140,000 | $48,000 | $48,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 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 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.
For a list of all lenders in Rhode Island, download the full spreadsheet
with aggregated HMDA statistics today.
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