Home Loan Investment Bank Mortgage Lending & HMDA Data, 2008
In 2008, Home Loan Investment Bank of Warwick, RI reported 18,662 mortgage applications totaling $3.1 billion, down 76% from 2007. The average application was for $166,471, and applicants reported an average income of $74,994. 5% of its applications resulted in an originated loan and 53% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (728), New York-White Plains-Wayne, NY-NJ (697) and Providence-New Bedford-Fall River, RI-MA (611) (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 | 18,662 |
| Total Mortgage Loan Application Amount | $3,106,698,000 |
| Average Mortgage Loan Application Amount | $166,471 |
| Highest Mortgage Loan Application Amount | $5,010,000 |
| Average Applicant Income | $74,994 |
| Highest Applicant Income | $9,999,000 |
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records Home Loan Investment Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Atlanta-Sandy Springs-Marietta, GA | 728 | $ 124,725,000 | $ 171,325 | $ 73,000 |
| New York-White Plains-Wayne, NY-NJ | 697 | $ 242,642,000 | $ 348,123 | $ 113,908 |
| Providence-New Bedford-Fall River, RI-MA | 611 | $ 135,566,000 | $ 221,875 | $ 82,567 |
| Philadelphia, PA | 508 | $ 80,567,000 | $ 158,596 | $ 76,000 |
| Chicago-Naperville-Joliet, IL | 439 | $ 93,818,000 | $ 213,708 | $ 95,000 |
| Nassau-Suffolk, NY | 297 | $ 93,169,000 | $ 313,700 | $ 115,000 |
| Edison-New Brunswick, NJ | 267 | $ 69,145,000 | $ 258,970 | $ 102,000 |
| Charlotte-Gastonia-Concord, NC-SC | 266 | $ 42,097,000 | $ 158,259 | $ 67,289 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 263 | $ 83,477,000 | $ 317,403 | $ 112,178 |
| Newark-Union, NJ-PA | 260 | $ 68,911,000 | $ 265,042 | $ 107,700 |
| New Orleans-Metairie-Kenner, LA | 239 | $ 29,675,000 | $ 124,163 | $ 97,000 |
| Camden, NJ | 233 | $ 37,941,000 | $ 162,836 | $ 75,000 |
| Tampa-St. Petersburg-Clearwater, FL | 224 | $ 37,090,000 | $ 165,580 | $ 71,000 |
| St. Louis, MO-IL | 217 | $ 27,176,000 | $ 125,235 | $ 61,769 |
| Baltimore-Towson, MD | 216 | $ 43,954,000 | $ 203,490 | $ 79,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 178 | $ 33,726,000 | $ 189,471 | $ 75,516 |
| Pittsburgh, PA | 177 | $ 20,159,000 | $ 113,892 | $ 65,000 |
| Albany-Schenectady-Troy, NY | 168 | $ 21,644,000 | $ 128,833 | $ 70,000 |
| Orlando-Kissimmee, FL | 160 | $ 32,692,000 | $ 204,325 | $ 76,000 |
| Kansas City, MO-KS | 158 | $ 19,986,000 | $ 126,493 | $ 68,886 |
| Memphis, TN-MS-AR | 151 | $ 17,163,000 | $ 113,662 | $ 68,000 |
| Raleigh-Cary, NC | 147 | $ 25,222,000 | $ 171,578 | $ 78,000 |
| Baton Rouge, LA | 140 | $ 18,181,000 | $ 129,864 | $ 61,000 |
| Jacksonville, FL | 137 | $ 21,097,000 | $ 153,992 | $ 82,000 |
| Cleveland-Elyria-Mentor, OH | 135 | $ 18,496,000 | $ 137,007 | $ 71,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 132 | $ 25,873,000 | $ 196,007 | $ 98,000 |
| Columbus, OH | 121 | $ 17,050,000 | $ 140,909 | $ 85,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 120 | $ 18,920,000 | $ 157,666 | $ 60,000 |
| Indianapolis-Carmel, IN | 113 | $ 14,270,000 | $ 126,283 | $ 90,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 111 | $ 24,579,000 | $ 221,432 | $ 85,216 |
| Hartford-West Hartford-East Hartford, CT | 107 | $ 21,477,000 | $ 200,719 | $ 86,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 105 | $ 25,289,000 | $ 240,847 | $ 93,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 104 | $ 19,470,000 | $ 187,211 | $ 84,653 |
| Louisville-Jefferson County, KY-IN | 103 | $ 12,551,000 | $ 121,854 | $ 54,116 |
| Milwaukee-Waukesha-West Allis, WI | 103 | $ 15,964,000 | $ 154,990 | $ 73,000 |
| Columbia, SC | 102 | $ 14,431,000 | $ 141,480 | $ 64,000 |
| Greensboro-High Point, NC | 100 | $ 13,099,000 | $ 130,990 | $ 64,000 |
| Richmond, VA | 100 | $ 17,749,000 | $ 177,490 | $ 71,000 |
| Wilmington, DE-MD-NJ | 100 | $ 19,163,000 | $ 191,630 | $ 76,550 |
| Cincinnati-Middletown, OH-KY-IN | 91 | $ 15,194,000 | $ 166,967 | $ 76,351 |
| Las Vegas-Paradise, NV | 91 | $ 21,822,000 | $ 239,802 | $ 72,000 |
| Buffalo-Niagara Falls, NY | 88 | $ 8,662,000 | $ 98,431 | $ 63,000 |
| Miami-Miami Beach-Kendall, FL | 88 | $ 20,989,000 | $ 238,511 | $ 98,000 |
| Scranton--Wilkes-Barre, PA | 88 | $ 10,067,000 | $ 114,397 | $ 53,000 |
| Charleston-North Charleston-Summerville, SC | 87 | $ 14,533,000 | $ 167,045 | $ 81,000 |
| Shreveport-Bossier City, LA | 87 | $ 9,022,000 | $ 103,701 | $ 47,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 86 | $ 20,890,000 | $ 242,906 | $ 100,000 |
| Wichita, KS | 85 | $ 9,116,000 | $ 107,247 | $ 68,000 |
| Boston-Quincy, MA | 82 | $ 20,872,000 | $ 254,536 | $ 82,000 |
| New Haven-Milford, CT | 79 | $ 15,506,000 | $ 196,278 | $ 73,000 |
| Wilmington, NC | 74 | $ 12,694,000 | $ 171,540 | $ 66,000 |
| Rochester, NY | 72 | $ 7,448,000 | $ 103,444 | $ 61,000 |
| Bridgeport-Stamford-Norwalk, CT | 71 | $ 25,501,000 | $ 359,169 | $ 130,000 |
| Winston-Salem, NC | 71 | $ 9,271,000 | $ 130,577 | $ 69,000 |
| York-Hanover, PA | 70 | $ 10,583,000 | $ 151,185 | $ 61,000 |
| Atlantic City-Hammonton, NJ | 67 | $ 11,949,000 | $ 178,343 | $ 79,000 |
| Fayetteville, NC | 67 | $ 7,286,000 | $ 108,746 | $ 63,000 |
| Lakeland-Winter Haven, FL | 67 | $ 8,787,000 | $ 131,149 | $ 66,000 |
| Springfield, MA | 66 | $ 9,820,000 | $ 148,787 | $ 58,000 |
| Hickory-Lenoir-Morganton, NC | 64 | $ 7,799,000 | $ 121,859 | $ 52,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 63 | $ 9,927,000 | $ 157,571 | $ 63,000 |
| Denver-Aurora, CO | 63 | $ 14,306,000 | $ 227,079 | $ 81,000 |
| Gary, IN | 62 | $ 8,086,000 | $ 130,419 | $ 62,000 |
| Syracuse, NY | 62 | $ 6,442,000 | $ 103,903 | $ 71,000 |
| Charleston, WV | 61 | $ 6,632,000 | $ 108,721 | $ 66,000 |
| Rockingham County-Strafford County, NH | 61 | $ 12,635,000 | $ 207,131 | $ 82,000 |
| Harrisburg-Carlisle, PA | 60 | $ 8,278,000 | $ 137,966 | $ 78,000 |
| Worcester, MA | 60 | $ 12,095,000 | $ 201,583 | $ 73,000 |
| Portland-South Portland-Biddeford, ME | 58 | $ 10,507,000 | $ 181,155 | $ 76,000 |
| Roanoke, VA | 57 | $ 7,728,000 | $ 135,578 | $ 64,000 |
| Durham, NC | 56 | $ 11,607,000 | $ 207,267 | $ 80,000 |
| Trenton-Ewing, NJ | 55 | $ 9,844,000 | $ 178,981 | $ 94,000 |
| Augusta-Richmond County, GA-SC | 54 | $ 6,059,000 | $ 112,203 | $ 55,555 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 54 | $ 10,980,000 | $ 203,333 | $ 72,000 |
| Ocala, FL | 54 | $ 7,420,000 | $ 137,407 | $ 59,000 |
| Port St. Lucie, FL | 54 | $ 11,491,000 | $ 212,796 | $ 112,000 |
| Akron, OH | 53 | $ 6,036,000 | $ 113,886 | $ 63,000 |
| Youngstown-Warren-Boardman, OH-PA | 53 | $ 4,839,000 | $ 91,301 | $ 60,301 |
| Cambridge-Newton-Framingham, MA | 52 | $ 11,953,000 | $ 229,865 | $ 78,000 |
| Bradenton-Sarasota-Venice, FL | 51 | $ 11,062,000 | $ 216,901 | $ 72,000 |
| Palm Bay-Melbourne-Titusville, FL | 51 | $ 9,053,000 | $ 177,509 | $ 61,000 |
| Knoxville, TN | 50 | $ 8,783,000 | $ 175,660 | $ 66,000 |
| Asheville, NC | 49 | $ 8,932,000 | $ 182,285 | $ 72,000 |
| Lexington-Fayette, KY | 49 | $ 6,075,000 | $ 123,979 | $ 69,000 |
| Huntington-Ashland, WV-KY-OH | 48 | $ 4,397,000 | $ 91,604 | $ 67,812 |
| Chattanooga, TN-GA | 47 | $ 5,043,000 | $ 107,297 | $ 54,085 |
| Columbus, GA-AL | 47 | $ 4,731,000 | $ 100,659 | $ 56,000 |
| Lake County-Kenosha County, IL-WI | 47 | $ 11,108,000 | $ 236,340 | $ 89,914 |
| Bethesda-Frederick-Gaithersburg, MD | 45 | $ 19,244,000 | $ 427,644 | $ 110,000 |
| Dayton, OH | 45 | $ 5,624,000 | $ 124,977 | $ 61,000 |
| Glens Falls, NY | 44 | $ 4,687,000 | $ 106,522 | $ 57,000 |
| Hagerstown-Martinsburg, MD-WV | 44 | $ 7,820,000 | $ 177,727 | $ 61,636 |
| Spartanburg, SC | 44 | $ 5,439,000 | $ 123,613 | $ 62,000 |
| Florence, SC | 43 | $ 4,379,000 | $ 101,837 | $ 43,000 |
| Greenville-Mauldin-Easley, SC | 43 | $ 5,390,000 | $ 125,348 | $ 60,000 |
| Detroit-Livonia-Dearborn, MI | 41 | $ 3,296,000 | $ 80,390 | $ 44,000 |
| Jacksonville, NC | 41 | $ 5,283,000 | $ 128,853 | $ 79,000 |
| Phoenix-Mesa-Scottsdale, AZ | 40 | $ 11,095,000 | $ 277,375 | $ 121,000 |
| Cape Coral-Fort Myers, FL | 39 | $ 8,113,000 | $ 208,025 | $ 143,000 |
| Lafayette, LA | 39 | $ 4,173,000 | $ 107,000 | $ 61,000 |
| Reading, PA | 39 | $ 5,275,000 | $ 135,256 | $ 74,000 |
| Toledo, OH | 38 | $ 5,032,000 | $ 132,421 | $ 70,000 |
| Lake Charles, LA | 37 | $ 4,633,000 | $ 125,216 | $ 60,000 |
| Lancaster, PA | 37 | $ 5,080,000 | $ 137,297 | $ 61,000 |
| Savannah, GA | 36 | $ 4,957,000 | $ 137,694 | $ 74,000 |
| Springfield, MO | 36 | $ 4,366,000 | $ 121,277 | $ 58,000 |
| Albany, GA | 35 | $ 4,032,000 | $ 115,200 | $ 53,000 |
| Vineland-Millville-Bridgeton, NJ | 35 | $ 5,149,000 | $ 147,114 | $ 71,000 |
| Kingston, NY | 34 | $ 6,161,000 | $ 181,205 | $ 95,000 |
| Manchester-Nashua, NH | 34 | $ 6,407,000 | $ 188,441 | $ 87,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 34 | $ 2,682,000 | $ 78,882 | $ 44,382 |
| Canton-Massillon, OH | 32 | $ 3,839,000 | $ 119,968 | $ 65,000 |
| Utica-Rome, NY | 32 | $ 2,696,000 | $ 84,250 | $ 47,000 |
| Wheeling, WV-OH | 31 | $ 3,140,000 | $ 101,290 | $ 48,161 |
| Topeka, KS | 30 | $ 2,597,000 | $ 86,566 | $ 63,000 |
| Peabody, MA | 29 | $ 6,132,000 | $ 211,448 | $ 73,000 |
| Rocky Mount, NC | 29 | $ 3,046,000 | $ 105,034 | $ 50,000 |
| Alexandria, LA | 28 | $ 2,466,000 | $ 88,071 | $ 56,000 |
| Binghamton, NY | 28 | $ 2,393,000 | $ 85,464 | $ 56,000 |
| Monroe, LA | 28 | $ 2,777,000 | $ 99,178 | $ 56,000 |
| Norwich-New London, CT | 28 | $ 5,391,000 | $ 192,535 | $ 84,000 |
| Rockford, IL | 28 | $ 3,234,000 | $ 115,500 | $ 67,000 |
| Clarksville, TN-KY | 26 | $ 2,885,000 | $ 110,961 | $ 59,500 |
| Warren-Troy-Farmington Hills, MI | 26 | $ 3,300,000 | $ 126,923 | $ 61,000 |
| Weirton-Steubenville, WV-OH | 26 | $ 2,004,000 | $ 77,076 | $ 52,038 |
| Bangor, ME | 25 | $ 2,551,000 | $ 102,040 | $ 60,000 |
| Barnstable Town, MA | 25 | $ 6,205,000 | $ 248,200 | $ 84,000 |
| Duluth, MN-WI | 25 | $ 3,084,000 | $ 123,360 | $ 73,000 |
| Houma-Bayou Cane-Thibodaux, LA | 25 | $ 2,712,000 | $ 108,480 | $ 61,000 |
| Madison, WI | 25 | $ 4,865,000 | $ 194,600 | $ 94,000 |
| Naples-Marco Island, FL | 25 | $ 6,340,000 | $ 253,600 | $ 94,000 |
| Evansville, IN-KY | 24 | $ 3,224,000 | $ 134,333 | $ 59,916 |
| Kingsport-Bristol-Bristol, TN-VA | 24 | $ 2,365,000 | $ 98,541 | $ 65,500 |
| Ocean City, NJ | 23 | $ 5,722,000 | $ 248,782 | $ 100,000 |
| Pensacola-Ferry Pass-Brent, FL | 22 | $ 2,575,000 | $ 117,045 | $ 58,000 |
| Reno-Sparks, NV | 22 | $ 5,677,000 | $ 258,045 | $ 75,000 |
| Seattle-Bellevue-Everett, WA | 22 | $ 6,419,000 | $ 291,772 | $ 89,000 |
| Tallahassee, FL | 22 | $ 2,851,000 | $ 129,590 | $ 76,000 |
| Fort Wayne, IN | 21 | $ 2,131,000 | $ 101,476 | $ 69,000 |
| Lewiston-Auburn, ME | 21 | $ 2,867,000 | $ 136,523 | $ 72,000 |
| Altoona, PA | 20 | $ 1,906,000 | $ 95,300 | $ 54,000 |
| Burlington, NC | 20 | $ 2,673,000 | $ 133,650 | $ 58,000 |
| Elizabethtown, KY | 20 | $ 2,442,000 | $ 122,100 | $ 52,000 |
| Palm Coast, FL | 20 | $ 3,667,000 | $ 183,350 | $ 57,000 |
| Panama City-Lynn Haven, FL | 20 | $ 3,799,000 | $ 189,950 | $ 68,000 |
| Warner Robins, GA | 20 | $ 2,582,000 | $ 129,100 | $ 72,000 |
| Colorado Springs, CO | 19 | $ 3,850,000 | $ 202,631 | $ 84,000 |
| Gainesville, GA | 19 | $ 2,697,000 | $ 141,947 | $ 50,000 |
| Macon, GA | 19 | $ 2,342,000 | $ 123,263 | $ 46,000 |
| Peoria, IL | 19 | $ 1,636,000 | $ 86,105 | $ 42,000 |
| South Bend-Mishawaka, IN-MI | 19 | $ 2,130,000 | $ 112,105 | $ 48,473 |
| Charlottesville, VA | 18 | $ 3,240,000 | $ 180,000 | $ 71,000 |
| Dover, DE | 18 | $ 3,246,000 | $ 180,333 | $ 70,000 |
| Joplin, MO | 18 | $ 1,526,000 | $ 84,777 | $ 49,000 |
| Lebanon, PA | 18 | $ 1,831,000 | $ 101,722 | $ 58,000 |
| Morristown, TN | 18 | $ 1,625,000 | $ 90,277 | $ 33,000 |
| Winchester, VA-WV | 18 | $ 2,823,000 | $ 156,833 | $ 112,000 |
| Champaign-Urbana, IL | 17 | $ 1,896,000 | $ 111,529 | $ 72,000 |
| Dalton, GA | 17 | $ 1,642,000 | $ 96,588 | $ 52,000 |
| Green Bay, WI | 17 | $ 2,416,000 | $ 142,117 | $ 74,000 |
| Houston-Sugar Land-Baytown, TX | 17 | $ 1,569,000 | $ 92,294 | $ 74,000 |
| Fort Walton Beach-Crestview-Destin, FL | 16 | $ 2,717,000 | $ 169,812 | $ 64,000 |
| Goldsboro, NC | 16 | $ 1,466,000 | $ 91,625 | $ 56,000 |
| Greenville, NC | 16 | $ 1,525,000 | $ 95,312 | $ 672,000 |
| Johnstown, PA | 16 | $ 1,463,000 | $ 91,437 | $ 41,000 |
| Racine, WI | 16 | $ 2,286,000 | $ 142,875 | $ 63,000 |
| St. Joseph, MO-KS | 16 | $ 1,521,000 | $ 95,062 | $ 46,312 |
| Jackson, TN | 15 | $ 1,229,000 | $ 81,933 | $ 39,000 |
| Morgantown, WV | 15 | $ 1,331,000 | $ 88,733 | $ 53,000 |
| Blacksburg-Christiansburg-Radford, VA | 14 | $ 2,178,000 | $ 155,571 | $ 61,000 |
| Cumberland, MD-WV | 14 | $ 1,402,000 | $ 100,142 | $ 49,857 |
| Flint, MI | 14 | $ 922,000 | $ 65,857 | $ 39,000 |
| Lynchburg, VA | 14 | $ 2,259,000 | $ 161,357 | $ 256,000 |
| Rochester, MN | 14 | $ 2,485,000 | $ 177,500 | $ 63,000 |
| Decatur, IL | 13 | $ 1,046,000 | $ 80,461 | $ 61,000 |
| Erie, PA | 13 | $ 1,081,000 | $ 83,153 | $ 47,000 |
| Owensboro, KY | 13 | $ 1,133,000 | $ 87,153 | $ 46,000 |
| Portland-Vancouver-Beaverton, OR-WA | 13 | $ 3,432,000 | $ 264,000 | $ 64,230 |
| Punta Gorda, FL | 13 | $ 3,417,000 | $ 262,846 | $ 73,000 |
| Brunswick, GA | 12 | $ 3,005,000 | $ 250,416 | $ 193,000 |
| Grand Rapids-Wyoming, MI | 12 | $ 1,559,000 | $ 129,916 | $ 58,000 |
| Hinesville-Fort Stewart, GA | 12 | $ 1,556,000 | $ 129,666 | $ 74,000 |
| Lansing-East Lansing, MI | 12 | $ 1,192,000 | $ 99,333 | $ 58,000 |
| Anderson, SC | 11 | $ 1,431,000 | $ 130,090 | $ 59,000 |
| Athens-Clarke County, GA | 11 | $ 1,070,000 | $ 97,272 | $ 50,000 |
| Dallas-Plano-Irving, TX | 11 | $ 928,000 | $ 84,363 | $ 50,000 |
| Greeley, CO | 11 | $ 2,301,000 | $ 209,181 | $ 66,000 |
| Lafayette, IN | 11 | $ 1,296,000 | $ 117,818 | $ 49,000 |
| Lawrence, KS | 11 | $ 1,299,000 | $ 118,090 | $ 73,000 |
| Michigan City-La Porte, IN | 11 | $ 999,000 | $ 90,818 | $ 61,000 |
| Rome, GA | 11 | $ 1,447,000 | $ 131,545 | $ 46,000 |
| Salisbury, MD | 11 | $ 2,015,000 | $ 183,181 | $ 61,000 |
| Sebastian-Vero Beach, FL | 11 | $ 1,881,000 | $ 171,000 | $ 61,000 |
| Elkhart-Goshen, IN | 10 | $ 1,129,000 | $ 112,900 | $ 62,000 |
| Jefferson City, MO | 10 | $ 1,138,000 | $ 113,800 | $ 51,000 |
| Johnson City, TN | 10 | $ 1,710,000 | $ 171,000 | $ 92,000 |
| Springfield, IL | 10 | $ 1,319,000 | $ 131,900 | $ 82,000 |
| Tucson, AZ | 10 | $ 2,010,000 | $ 201,000 | $ 70,000 |
| Anderson, IN | 9 | $ 732,000 | $ 81,333 | $ 53,000 |
| Danville, IL | 9 | $ 691,000 | $ 76,777 | $ 49,000 |
| Danville, VA | 9 | $ 1,046,000 | $ 116,222 | $ 53,000 |
| Grand Junction, CO | 9 | $ 2,392,000 | $ 265,777 | $ 84,000 |
| Harrisonburg, VA | 9 | $ 2,058,000 | $ 228,666 | $ 51,000 |
| Janesville, WI | 9 | $ 1,120,000 | $ 124,444 | $ 91,000 |
| Muskegon-Norton Shores, MI | 9 | $ 676,000 | $ 75,111 | $ 46,000 |
| State College, PA | 9 | $ 1,368,000 | $ 152,000 | $ 59,000 |
| Tacoma, WA | 9 | $ 1,562,000 | $ 173,555 | $ 67,000 |
| Bloomington, IN | 8 | $ 609,000 | $ 76,125 | $ 32,000 |
| Gainesville, FL | 8 | $ 1,241,000 | $ 155,125 | $ 92,000 |
| Muncie, IN | 8 | $ 949,000 | $ 118,625 | $ 81,000 |
| Niles-Benton Harbor, MI | 8 | $ 825,000 | $ 103,125 | $ 45,000 |
| Pittsfield, MA | 8 | $ 1,052,000 | $ 131,500 | $ 54,000 |
| Sumter, SC | 8 | $ 949,000 | $ 118,625 | $ 73,000 |
| Terre Haute, IN | 8 | $ 1,017,000 | $ 127,125 | $ 78,000 |
| Valdosta, GA | 8 | $ 679,000 | $ 84,875 | $ 50,000 |
| Williamsport, PA | 8 | $ 1,010,000 | $ 126,250 | $ 76,000 |
| Fond Du Lac, WI | 7 | $ 864,000 | $ 123,428 | $ 65,000 |
| Fort Collins-Loveland, CO | 7 | $ 1,240,000 | $ 177,142 | $ 103,000 |
| Fort Worth-Arlington, TX | 7 | $ 648,000 | $ 92,571 | $ 47,000 |
| Prescott, AZ | 7 | $ 1,613,000 | $ 230,428 | $ 89,000 |
| Springfield, OH | 7 | $ 671,000 | $ 95,857 | $ 45,000 |
| Austin-Round Rock, TX | 6 | $ 849,000 | $ 141,500 | $ 73,000 |
| Bloomington-Normal, IL | 6 | $ 799,000 | $ 133,166 | $ 84,000 |
| Bowling Green, KY | 6 | $ 757,000 | $ 126,166 | $ 64,000 |
| Columbia, MO | 6 | $ 598,000 | $ 99,666 | $ 50,000 |
| Davenport-Moline-Rock Island, IA-IL | 6 | $ 560,000 | $ 93,333 | $ 65,000 |
| Eau Claire, WI | 6 | $ 849,000 | $ 141,500 | $ 55,000 |
| Elmira, NY | 6 | $ 452,000 | $ 75,333 | $ 57,000 |
| Grand Forks, ND-MN | 6 | $ 606,000 | $ 101,000 | $ 179,000 |
| Kokomo, IN | 6 | $ 500,000 | $ 83,333 | $ 44,000 |
| Lima, OH | 6 | $ 541,000 | $ 90,166 | $ 54,000 |
| Oshkosh-Neenah, WI | 6 | $ 757,000 | $ 126,166 | $ 57,000 |
| Riverside-San Bernardino-Ontario, CA | 6 | $ 1,521,000 | $ 253,500 | $ 62,000 |
| Sheboygan, WI | 6 | $ 901,000 | $ 150,166 | $ 62,000 |
| St. Cloud, MN | 6 | $ 820,000 | $ 136,666 | $ 40,000 |
| Tulsa, OK | 6 | $ 611,000 | $ 101,833 | $ 83,000 |
| Appleton, WI | 5 | $ 845,000 | $ 169,000 | $ 89,000 |
| Cleveland, TN | 5 | $ 828,000 | $ 165,600 | $ 91,000 |
| Columbus, IN | 5 | $ 420,000 | $ 84,000 | $ 60,000 |
| Ithaca, NY | 5 | $ 512,000 | $ 102,400 | $ 70,000 |
| Kankakee-Bradley, IL | 5 | $ 546,000 | $ 109,200 | $ 68,000 |
| La Crosse, WI-MN | 5 | $ 530,000 | $ 106,000 | $ 51,800 |
| Lake Havasu City-Kingman, AZ | 5 | $ 1,781,000 | $ 356,200 | $ 162,000 |
| Los Angeles-Long Beach-Glendale, CA | 5 | $ 2,136,000 | $ 427,200 | $ 178,000 |
| Oklahoma City, OK | 5 | $ 374,000 | $ 74,800 | $ 37,000 |
| Saginaw-Saginaw Township North, MI | 5 | $ 297,000 | $ 59,400 | $ 23,000 |
| Salt Lake City, UT | 5 | $ 1,339,000 | $ 267,800 | $ 54,000 |
| Spokane, WA | 5 | $ 996,000 | $ 199,200 | $ 86,000 |
| Boulder, CO | 4 | $ 1,137,000 | $ 284,250 | $ 79,000 |
| Eugene-Springfield, OR | 4 | $ 295,000 | $ 73,750 | $ 71,000 |
| Mansfield, OH | 4 | $ 742,000 | $ 185,500 | $ 99,000 |
| Olympia, WA | 4 | $ 829,000 | $ 207,250 | $ 85,000 |
| Pueblo, CO | 4 | $ 386,000 | $ 96,500 | $ 55,000 |
| Wausau, WI | 4 | $ 497,000 | $ 124,250 | $ 76,000 |
| Yakima, WA | 4 | $ 379,000 | $ 94,750 | $ 66,000 |
| Bremerton-Silverdale, WA | 3 | $ 639,000 | $ 213,000 | $ 82,000 |
| Fargo, ND-MN | 3 | $ 421,000 | $ 140,333 | $ 60,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 3 | $ 347,000 | $ 115,666 | $ 74,000 |
| Jackson, MI | 3 | $ 454,000 | $ 151,333 | $ 64,000 |
| Lubbock, TX | 3 | $ 104,000 | $ 34,666 | $ 25,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 3 | $ 270,000 | $ 90,000 | $ 904,000 |
| Wenatchee, WA | 3 | $ 673,000 | $ 224,333 | $ 59,000 |
| Yuma, AZ | 3 | $ 611,000 | $ 203,666 | $ 84,000 |
| Albuquerque, NM | 2 | $ 218,000 | $ 109,000 | $ 61,000 |
| Beaumont-Port Arthur, TX | 2 | $ 85,000 | $ 42,500 | $ 37,000 |
| Bellingham, WA | 2 | $ 225,000 | $ 112,500 | $ 67,000 |
| Bend, OR | 2 | $ 675,000 | $ 337,500 | $ 132,000 |
| Carson City, NV | 2 | $ 501,000 | $ 250,500 | $ 78,000 |
| Corpus Christi, TX | 2 | $ 216,000 | $ 108,000 | $ 96,000 |
| Holland-Grand Haven, MI | 2 | $ 237,000 | $ 118,500 | $ 68,000 |
| Kalamazoo-Portage, MI | 2 | $ 267,000 | $ 133,500 | $ 75,000 |
| Logan, UT-ID | 2 | $ 248,000 | $ 124,000 | $ 66,000 |
| Medford, OR | 2 | $ 677,000 | $ 338,500 | $ 65,000 |
| Mount Vernon-Anacortes, WA | 2 | $ 820,000 | $ 410,000 | $ 124,000 |
| Sandusky, OH | 2 | $ 203,000 | $ 101,500 | $ 95,000 |
| Amarillo, TX | 1 | $ 51,000 | $ 51,000 | $ 18,000 |
| Ann Arbor, MI | 1 | $ 100,000 | $ 100,000 | $ 28,000 |
| Battle Creek, MI | 1 | $ 104,000 | $ 104,000 | $ 60,000 |
| Bay City, MI | 1 | $ 62,000 | $ 62,000 | $ 12,000 |
| Brownsville-Harlingen, TX | 1 | $ 58,000 | $ 58,000 | $ 38,000 |
| Burlington-South Burlington, VT | 1 | $ 35,000 | $ 35,000 | $ 72,000 |
| Chico, CA | 1 | $ 287,000 | $ 287,000 | $ 46,000 |
| El Paso, TX | 1 | $ 25,000 | $ 25,000 | $ 38,000 |
| Flagstaff, AZ | 1 | $ 472,000 | $ 472,000 | $ 77,000 |
| Laredo, TX | 1 | $ 86,000 | $ 86,000 | $ 16,000 |
| Lewiston, ID-WA | 1 | $ 112,000 | $ 112,000 | $ 36,000 |
| Longview, TX | 1 | $ 84,000 | $ 84,000 | $ 164,000 |
| Midland, TX | 1 | $ 35,000 | $ 35,000 | $ 47,000 |
| Monroe, MI | 1 | $ 56,000 | $ 56,000 | $ 38,000 |
| Oakland-Fremont-Hayward, CA | 1 | $ 150,000 | $ 150,000 | $ 158,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 540,000 | $ 540,000 | $ 45,000 |
| Provo-Orem, UT | 1 | $ 87,000 | $ 87,000 | $ 30,000 |
| Salem, OR | 1 | $ 150,000 | $ 150,000 | $ 66,000 |
| San Diego-Carlsbad-San Marcos, CA | 1 | $ 338,000 | $ 338,000 | $ 128,000 |
| San Francisco-San Mateo-Redwood City, CA | 1 | $ 50,000 | $ 50,000 | $ 145,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 462,000 | $ 462,000 | $ 30,000 |
| St. George, UT | 1 | $ 261,000 | $ 261,000 | $ 76,000 |
| Wichita Falls, TX | 1 | $ 45,000 | $ 45,000 | $ 23,000 |
Mortgage Loan Application Detail Totals for Home Loan Investment Bank 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 | 18,645 | $3,103,954,000 | $166,000 | $5,010,000 | $75,000 | $9,999,000 |
| Home Purchase | 17 | $2,744,000 | $161,000 | $519,000 | $69,000 | $127,000 |
| 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 | 9,927 | $1,644,337,000 | $165,000 | $2,527,000 | $80,000 | $9,999,000 |
| Not Provided | 4,651 | $774,149,000 | $166,000 | $2,050,000 | $70,000 | $1,440,000 |
| Black or African American | 2,592 | $376,088,000 | $145,000 | $5,010,000 | $61,000 | $1,500,000 |
| Hispanic | 901 | $178,602,000 | $198,000 | $1,000,000 | $77,000 | $3,000,000 |
| Asian | 394 | $103,684,000 | $263,000 | $1,330,000 | $103,000 | $1,232,000 |
| American Indian or Alaskan Native | 165 | $24,155,000 | $146,000 | $693,000 | $68,000 | $324,000 |
| Native Hawaiian or Other Pacific Islander | 32 | $5,683,000 | $177,000 | $476,000 | $68,000 | $173,000 |
| 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) | 18,662 | $3,106,698,000 | $166,000 | $5,010,000 | $75,000 | $9,999,000 |
| 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 | 9,942 | $1,733,137,000 | $174,000 | $5,010,000 | $69,000 | $9,999,000 |
| Application Approved But Not Accepted | 7,880 | $1,266,866,000 | $160,000 | $1,625,000 | $84,000 | $9,999,000 |
| Loan Originated | 840 | $106,695,000 | $127,000 | $970,000 | $59,000 | $514,000 |
| 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 | 5,301 | $781,542,000 | $147,000 | $5,010,000 | $73,000 | $9,999,000 |
| Collateral | 2,378 | $423,885,000 | $178,000 | $2,040,000 | $75,000 | $1,440,000 |
| Debt-To-Income Ratio | 2,248 | $525,624,000 | $233,000 | $1,400,000 | $55,000 | $645,000 |
| Credit Application Incomplete | 9 | $1,062,000 | $118,000 | $300,000 | $60,000 | $118,000 |
| Credit History | 6 | $1,024,000 | $170,000 | $542,000 | $48,000 | $95,000 |
| Unverifiable Information | 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 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 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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