Home Mortgage Resources Mortgage Lending & HMDA Data, 2009
In 2009, Home Mortgage Resources of Meridian, ID reported 1,785 mortgage applications totaling $289.2 million, up 189% from 2008. The average application was for $162,042, and applicants reported an average income of $59,774. 70% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Boise City-Nampa, ID (1,061), Kansas City, MO-KS (242) and Las Vegas-Paradise, NV (39) (applications in parentheses).
| Mortgage Company & Address | Home Mortgage Resources 2076 S Eagle Road Meridian, ID 83642 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,785 |
| Total Mortgage Loan Application Amount | $289,245,000 |
| Average Mortgage Loan Application Amount | $162,042 |
| Highest Mortgage Loan Application Amount | $746,000 |
| Average Applicant Income | $59,774 |
| Highest Applicant Income | $981,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Home Mortgage Resources filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Ada, Idaho | 663 | $ 113,019,000 | $ 170,466 | $ 62,000 |
| Canyon, Idaho | 333 | $ 46,249,000 | $ 138,885 | $ 48,000 |
| Jackson, Missouri | 113 | $ 14,320,000 | $ 126,725 | $ 56,000 |
| Cass, Missouri | 55 | $ 7,501,000 | $ 136,381 | $ 60,000 |
| Gem, Idaho | 48 | $ 7,223,000 | $ 150,479 | $ 66,000 |
| Clark, Nevada | 39 | $ 5,872,000 | $ 150,564 | $ 56,000 |
| Itasca, Minnesota | 35 | $ 5,494,000 | $ 156,971 | $ 61,000 |
| Honolulu, Hawaii | 33 | $ 15,709,000 | $ 476,030 | $ 97,000 |
| Malheur, Oregon | 31 | $ 4,357,000 | $ 140,548 | $ 50,000 |
| Payette, Idaho | 25 | $ 4,194,000 | $ 167,760 | $ 58,000 |
| Bonneville, Idaho | 24 | $ 3,256,000 | $ 135,666 | $ 43,000 |
| Clay, Missouri | 24 | $ 3,258,000 | $ 135,750 | $ 61,000 |
| Ray, Missouri | 21 | $ 2,476,000 | $ 117,904 | $ 48,000 |
| Washoe, Nevada | 20 | $ 3,550,000 | $ 177,500 | $ 80,000 |
| Baker, Oregon | 18 | $ 2,527,000 | $ 140,388 | $ 49,000 |
| Twin Falls, Idaho | 17 | $ 2,433,000 | $ 143,117 | $ 47,000 |
| Elmore, Idaho | 16 | $ 2,232,000 | $ 139,500 | $ 55,000 |
| Johnson, Missouri | 16 | $ 1,743,000 | $ 108,937 | $ 44,000 |
| Boise, Idaho | 13 | $ 1,771,000 | $ 136,230 | $ 62,000 |
| Johnson, Kansas | 12 | $ 2,383,000 | $ 198,583 | $ 96,000 |
| Minidoka, Idaho | 9 | $ 808,000 | $ 89,777 | $ 38,000 |
| Valley, Idaho | 9 | $ 1,722,000 | $ 191,333 | $ 124,000 |
| Washington, Idaho | 9 | $ 1,336,000 | $ 148,444 | $ 52,000 |
| Bingham, Idaho | 8 | $ 1,011,000 | $ 126,375 | $ 62,000 |
| Charleston, South Carolina | 8 | $ 1,985,000 | $ 248,125 | $ 107,000 |
| Jerome, Idaho | 7 | $ 968,000 | $ 138,285 | $ 46,000 |
| Wyandotte, Kansas | 7 | $ 896,000 | $ 128,000 | $ 67,000 |
| Spokane, Washington | 7 | $ 1,082,000 | $ 154,571 | $ 59,000 |
| Hawaii, Hawaii | 5 | $ 2,109,000 | $ 421,800 | $ 126,000 |
| Umatilla, Oregon | 5 | $ 955,000 | $ 191,000 | $ 77,000 |
| Berkeley, South Carolina | 5 | $ 936,000 | $ 187,200 | $ 64,000 |
| Cassia, Idaho | 4 | $ 418,000 | $ 104,500 | $ 40,000 |
| Gooding, Idaho | 4 | $ 594,000 | $ 148,500 | $ 35,000 |
| Owyhee, Idaho | 4 | $ 561,000 | $ 140,250 | $ 40,000 |
| St. Louis, Minnesota | 4 | $ 747,000 | $ 186,750 | $ 59,000 |
| Dorchester, South Carolina | 4 | $ 717,000 | $ 179,250 | $ 60,000 |
| Manatee, Florida | 3 | $ 629,000 | $ 209,666 | $ 72,000 |
| Palm Beach, Florida | 3 | $ 414,000 | $ 138,000 | $ 123,000 |
| Blaine, Idaho | 3 | $ 680,000 | $ 226,666 | $ 60,000 |
| Nez Perce, Idaho | 3 | $ 517,000 | $ 172,333 | $ 63,000 |
| Hennepin, Minnesota | 3 | $ 595,000 | $ 198,333 | $ 58,000 |
| Buchanan, Missouri | 3 | $ 237,000 | $ 79,000 | $ 55,000 |
| Camden, Missouri | 3 | $ 507,000 | $ 169,000 | $ 84,000 |
| Deschutes, Oregon | 3 | $ 591,000 | $ 197,000 | $ 41,000 |
| Douglas, Oregon | 3 | $ 512,000 | $ 170,666 | $ 108,000 |
| Union, Oregon | 3 | $ 635,000 | $ 211,666 | $ 101,000 |
| Fremont, Wyoming | 3 | $ 326,000 | $ 108,666 | $ 33,000 |
| Sublette, Wyoming | 3 | $ 708,000 | $ 236,000 | $ 73,000 |
| Benewah, Idaho | 2 | $ 329,000 | $ 164,500 | $ 39,000 |
| Caribou, Idaho | 2 | $ 290,000 | $ 145,000 | $ 38,000 |
| Fremont, Idaho | 2 | $ 410,000 | $ 205,000 | $ 91,000 |
| Kootenai, Idaho | 2 | $ 390,000 | $ 195,000 | $ 42,000 |
| Madison, Idaho | 2 | $ 402,000 | $ 201,000 | $ 58,000 |
| Cass, Minnesota | 2 | $ 174,000 | $ 87,000 | $ 37,000 |
| Mille Lacs, Minnesota | 2 | $ 167,000 | $ 83,500 | $ 42,000 |
| Bates, Missouri | 2 | $ 238,000 | $ 119,000 | $ 53,000 |
| Clinton, Missouri | 2 | $ 293,000 | $ 146,500 | $ 56,000 |
| Lafayette, Missouri | 2 | $ 356,000 | $ 178,000 | $ 29,000 |
| Phelps, Missouri | 2 | $ 392,000 | $ 196,000 | $ 75,000 |
| Platte, Missouri | 2 | $ 304,000 | $ 152,000 | $ 31,000 |
| Carson City, Nevada | 2 | $ 401,000 | $ 200,500 | $ 36,000 |
| Elko, Nevada | 2 | $ 368,000 | $ 184,000 | $ 53,000 |
| Multnomah, Oregon | 2 | $ 466,000 | $ 233,000 | $ 84,000 |
| Clark, Washington | 2 | $ 430,000 | $ 215,000 | $ 70,000 |
| Maricopa, Arizona | 1 | $ 133,000 | $ 133,000 | $ 37,000 |
| Alameda, California | 1 | $ 17,000 | $ 17,000 | $ 12,000 |
| Contra Costa, California | 1 | $ 111,000 | $ 111,000 | $ 99,000 |
| Lassen, California | 1 | $ 158,000 | $ 158,000 | $ 74,000 |
| Nevada, California | 1 | $ 329,000 | $ 329,000 | $ 85,000 |
| Riverside, California | 1 | $ 274,000 | $ 274,000 | $ 320,000 |
| Sacramento, California | 1 | $ 100,000 | $ 100,000 | $ 40,000 |
| San Luis Obispo, California | 1 | $ 380,000 | $ 380,000 | $ 155,000 |
| Siskiyou, California | 1 | $ 205,000 | $ 205,000 | $ 80,000 |
| Broward, Florida | 1 | $ 365,000 | $ 365,000 | $ 139,000 |
| Miami-Dade, Florida | 1 | $ 122,000 | $ 122,000 | $ 36,000 |
| Orange, Florida | 1 | $ 273,000 | $ 273,000 | $ 109,000 |
| Pinellas, Florida | 1 | $ 253,000 | $ 253,000 | $ 64,000 |
| Sarasota, Florida | 1 | $ 154,000 | $ 154,000 | $ 70,000 |
| St. Lucie, Florida | 1 | $ 120,000 | $ 120,000 | $ 42,000 |
| Maui, Hawaii | 1 | $ 465,000 | $ 465,000 | $ 52,000 |
| Adams, Idaho | 1 | $ 87,000 | $ 87,000 | $ 27,000 |
| Bonner, Idaho | 1 | $ 114,000 | $ 114,000 | $ 42,000 |
| Butte, Idaho | 1 | $ 126,000 | $ 126,000 | $ 71,000 |
| Idaho, Idaho | 1 | $ 321,000 | $ 321,000 | $ 76,000 |
| Jefferson, Idaho | 1 | $ 116,000 | $ 116,000 | $ 78,000 |
| Latah, Idaho | 1 | $ 211,000 | $ 211,000 | $ 38,000 |
| Douglas, Kansas | 1 | $ 133,000 | $ 133,000 | $ 61,000 |
| Linn, Kansas | 1 | $ 98,000 | $ 98,000 | $ 41,000 |
| Anoka, Minnesota | 1 | $ 320,000 | $ 320,000 | $ 95,000 |
| Chisago, Minnesota | 1 | $ 173,000 | $ 173,000 | $ 63,000 |
| Crow Wing, Minnesota | 1 | $ 108,000 | $ 108,000 | $ 25,000 |
| Dakota, Minnesota | 1 | $ 241,000 | $ 241,000 | $ 98,000 |
| Kanabec, Minnesota | 1 | $ 153,000 | $ 153,000 | $ 54,000 |
| McLeod, Minnesota | 1 | $ 65,000 | $ 65,000 | $ 23,000 |
| Meeker, Minnesota | 1 | $ 83,000 | $ 83,000 | $ 33,000 |
| Scott, Minnesota | 1 | $ 147,000 | $ 147,000 | $ 62,000 |
| Sherburne, Minnesota | 1 | $ 198,000 | $ 198,000 | $ 45,000 |
| Wabasha, Minnesota | 1 | $ 156,000 | $ 156,000 | $ 86,000 |
| Andrew, Missouri | 1 | $ 95,000 | $ 95,000 | $ 48,000 |
| Audrain, Missouri | 1 | $ 125,000 | $ 125,000 | $ 87,000 |
| Caldwell, Missouri | 1 | $ 149,000 | $ 149,000 | $ 64,000 |
| Carroll, Missouri | 1 | $ 198,000 | $ 198,000 | $ 0 |
| Daviess, Missouri | 1 | $ 59,000 | $ 59,000 | $ 36,000 |
| Greene, Missouri | 1 | $ 98,000 | $ 98,000 | $ 54,000 |
| Henry, Missouri | 1 | $ 95,000 | $ 95,000 | $ 80,000 |
| Lawrence, Missouri | 1 | $ 142,000 | $ 142,000 | $ 136,000 |
| Pettis, Missouri | 1 | $ 116,000 | $ 116,000 | $ 58,000 |
| St. Charles, Missouri | 1 | $ 108,000 | $ 108,000 | $ 24,000 |
| Stone, Missouri | 1 | $ 86,000 | $ 86,000 | $ 109,000 |
| Taney, Missouri | 1 | $ 214,000 | $ 214,000 | $ 132,000 |
| Lewis and Clark, Montana | 1 | $ 198,000 | $ 198,000 | $ 45,000 |
| Humboldt, Nevada | 1 | $ 185,000 | $ 185,000 | $ 108,000 |
| Lyon, Nevada | 1 | $ 120,000 | $ 120,000 | $ 29,000 |
| Lincoln, New Mexico | 1 | $ 336,000 | $ 336,000 | $ 98,000 |
| Jackson, Oregon | 1 | $ 154,000 | $ 154,000 | $ 33,000 |
| Williamson, Texas | 1 | $ 352,000 | $ 352,000 | $ 468,000 |
| Box Elder, Utah | 1 | $ 107,000 | $ 107,000 | $ 69,000 |
| Cache, Utah | 1 | $ 174,000 | $ 174,000 | $ 39,000 |
| Sanpete, Utah | 1 | $ 98,000 | $ 98,000 | $ 18,000 |
| Tooele, Utah | 1 | $ 290,000 | $ 290,000 | $ 51,000 |
| Weber, Utah | 1 | $ 174,000 | $ 174,000 | $ 76,000 |
| Franklin, Washington | 1 | $ 220,000 | $ 220,000 | $ 86,000 |
| Grant, Washington | 1 | $ 207,000 | $ 207,000 | $ 73,000 |
| Stevens, Washington | 1 | $ 258,000 | $ 258,000 | $ 98,000 |
| Hot Springs, Wyoming | 1 | $ 276,000 | $ 276,000 | $ 123,000 |
| Lincoln, Wyoming | 1 | $ 129,000 | $ 129,000 | $ 45,000 |
Mortgage Loan Application Detail Totals for Home Mortgage Resources in 2009
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 1,123 | $179,224,000 | $159,000 | $746,000 | $62,000 | $505,000 |
| Refinancing | 662 | $110,021,000 | $166,000 | $700,000 | $56,000 | $981,000 |
| 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 | 1,583 | $253,961,000 | $160,000 | $746,000 | $60,000 | $981,000 |
| Hispanic | 114 | $18,401,000 | $161,000 | $556,000 | $54,000 | $279,000 |
| Black or African American | 33 | $6,169,000 | $186,000 | $541,000 | $68,000 | $187,000 |
| Asian | 26 | $5,140,000 | $197,000 | $380,000 | $77,000 | $468,000 |
| American Indian or Alaskan Native | 13 | $2,864,000 | $220,000 | $700,000 | $75,000 | $170,000 |
| Not Provided | 9 | $1,297,000 | $144,000 | $217,000 | $62,000 | $114,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $1,413,000 | $201,000 | $519,000 | $76,000 | $258,000 |
| 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 984 | $146,360,000 | $148,000 | $341,000 | $51,000 | $981,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 540 | $90,266,000 | $167,000 | $450,000 | $78,000 | $505,000 |
| VA-guaranteed (Veterans Administration) | 150 | $39,307,000 | $262,000 | $746,000 | $69,000 | $263,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 111 | $13,312,000 | $119,000 | $265,000 | $41,000 | $98,000 |
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 | 1,257 | $203,657,000 | $162,000 | $746,000 | $64,000 | $981,000 |
| Application Denied By Financial Institution | 379 | $61,564,000 | $162,000 | $521,000 | $49,000 | $468,000 |
| Application Withdrawn By Applicant | 128 | $19,946,000 | $155,000 | $546,000 | $56,000 | $250,000 |
| Application Approved But Not Accepted | 18 | $3,110,000 | $172,000 | $302,000 | $51,000 | $94,000 |
| File Closed For Incompleteness | 3 | $968,000 | $322,000 | $539,000 | $38,000 | $62,000 |
| 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 |
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 |
|---|---|---|---|---|---|---|
| Credit History | 105 | $15,444,000 | $147,000 | $450,000 | $42,000 | $116,000 |
| Collateral | 74 | $13,447,000 | $181,000 | $365,000 | $65,000 | $468,000 |
| Debt-To-Income Ratio | 44 | $7,206,000 | $163,000 | $521,000 | $45,000 | $235,000 |
| Other | 33 | $5,237,000 | $158,000 | $317,000 | $57,000 | $132,000 |
| Employment History | 20 | $3,093,000 | $154,000 | $295,000 | $45,000 | $120,000 |
| Credit Application Incomplete | 11 | $1,675,000 | $152,000 | $375,000 | $53,000 | $130,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $1,054,000 | $131,000 | $276,000 | $37,000 | $91,000 |
| Mortgage Insurance Denied | 1 | $224,000 | $224,000 | $224,000 | $137,000 | $137,000 |
| Unverifiable Information | 1 | $118,000 | $118,000 | $118,000 | $28,000 | $28,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Home Mortgage Resources's 2009 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 Mortgage Resources'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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