Home Savings of America Mortgage Lending & HMDA Data, 2010

In 2010, Home Savings of America of Little Falls, MN reported 14,170 mortgage applications totaling $3.4 billion, down 33% from 2009. The average application was for $242,432, and applicants reported an average income of $85,265. 57% of its applications resulted in an originated loan and 32% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (697), Washington-Arlington-Alexandria, DC-VA-MD-WV (650) and New York-White Plains-Wayne, NY-NJ (636) (applications in parentheses).

Mortgage Company & Address Home Savings of America
35 E Broadway
Little Falls, MN 56345
Tel #: available with data download
Federal Regulator * available with data download
Years 2010  2009  2008  2007  
Total Number of Mortgage Applications 14,170
Total Mortgage Loan Application Amount $3,435,264,000
Average Mortgage Loan Application Amount $242,432
Highest Mortgage Loan Application Amount $1,305,000
Average Applicant Income $85,265
Highest Applicant Income $1,633,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Home Savings of America filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Home Savings of America by County in 2010

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Los Angeles, California 697 $ 232,448,000 $ 333,497 $ 112,000
San Diego, California 584 $ 181,803,000 $ 311,306 $ 104,000
Maricopa, Arizona 546 $ 89,759,000 $ 164,393 $ 67,000
Orange, California 343 $ 123,795,000 $ 360,918 $ 123,000
Cook, Illinois 327 $ 69,802,000 $ 213,461 $ 72,000
Ventura, California 266 $ 83,705,000 $ 314,680 $ 102,000
Riverside, California 261 $ 60,094,000 $ 230,245 $ 89,000
Santa Clara, California 215 $ 80,691,000 $ 375,306 $ 124,000
San Bernardino, California 192 $ 38,776,000 $ 201,958 $ 74,000
Prince George's, Maryland 183 $ 43,309,000 $ 236,661 $ 70,000
Baltimore, Maryland 153 $ 35,380,000 $ 231,241 $ 87,000
Clark, Nevada 151 $ 31,304,000 $ 207,311 $ 59,000
Alameda, California 140 $ 49,417,000 $ 352,978 $ 111,000
Fairfax, Virginia 135 $ 46,066,000 $ 341,229 $ 122,000
Montgomery, Maryland 129 $ 41,438,000 $ 321,224 $ 102,000
Bergen, New Jersey 128 $ 44,904,000 $ 350,812 $ 121,000
Salt Lake, Utah 106 $ 22,892,000 $ 215,962 $ 72,000
Nassau, New York 97 $ 32,873,000 $ 338,896 $ 113,000
Anne Arundel, Maryland 89 $ 23,089,000 $ 259,426 $ 83,000
Harris, Texas 88 $ 13,399,000 $ 152,261 $ 78,000
Middlesex, New Jersey 85 $ 23,197,000 $ 272,905 $ 98,000
Middlesex, Massachusetts 84 $ 25,271,000 $ 300,845 $ 103,000
El Paso, Colorado 80 $ 16,010,000 $ 200,125 $ 58,000
San Mateo, California 79 $ 31,785,000 $ 402,341 $ 117,000
District of Columbia, District Of Columbia 79 $ 25,443,000 $ 322,063 $ 104,000
Queens, New York 79 $ 28,495,000 $ 360,696 $ 87,000
Suffolk, New York 79 $ 23,145,000 $ 292,974 $ 98,000
Baltimore City, Maryland 75 $ 11,699,000 $ 155,986 $ 59,000
Worcester, Massachusetts 73 $ 16,347,000 $ 223,931 $ 75,000
Hennepin, Minnesota 73 $ 14,786,000 $ 202,547 $ 88,000
Passaic, New Jersey 71 $ 18,440,000 $ 259,718 $ 101,000
Contra Costa, California 69 $ 22,201,000 $ 321,753 $ 90,000
El Paso, Texas 69 $ 11,191,000 $ 162,188 $ 66,000
Johnson, Kansas 68 $ 13,041,000 $ 191,779 $ 78,000
Norfolk, Massachusetts 68 $ 17,499,000 $ 257,338 $ 82,000
Westchester, New York 68 $ 23,159,000 $ 340,573 $ 130,000
Fulton, Georgia 66 $ 14,590,000 $ 221,060 $ 95,000
Monmouth, New Jersey 64 $ 19,601,000 $ 306,265 $ 115,000
Monroe, New York 64 $ 9,396,000 $ 146,812 $ 67,000
Plymouth, Massachusetts 63 $ 15,714,000 $ 249,428 $ 91,000
Mecklenburg, North Carolina 63 $ 12,089,000 $ 191,888 $ 75,000
New Castle, Delaware 60 $ 12,407,000 $ 206,783 $ 68,000
Fairfield, Connecticut 58 $ 16,880,000 $ 291,034 $ 130,000
Prince William, Virginia 58 $ 14,826,000 $ 255,620 $ 70,000
Rockland, New York 57 $ 17,623,000 $ 309,175 $ 136,000
Burlington, New Jersey 56 $ 12,992,000 $ 232,000 $ 99,000
Jefferson, Colorado 54 $ 13,549,000 $ 250,907 $ 95,000
Bristol, Massachusetts 54 $ 13,301,000 $ 246,314 $ 87,000
Dutchess, New York 54 $ 12,458,000 $ 230,703 $ 91,000
Pinal, Arizona 53 $ 8,517,000 $ 160,698 $ 59,000
Philadelphia, Pennsylvania 53 $ 9,926,000 $ 187,283 $ 67,000
Ocean, New Jersey 52 $ 12,476,000 $ 239,923 $ 85,000
Ulster, New York 52 $ 10,245,000 $ 197,019 $ 85,000
Wake, North Carolina 52 $ 10,882,000 $ 209,269 $ 63,000
Franklin, Ohio 52 $ 8,627,000 $ 165,903 $ 81,000
Providence, Rhode Island 52 $ 9,906,000 $ 190,500 $ 63,000
Arapahoe, Colorado 51 $ 9,822,000 $ 192,588 $ 68,000
Gwinnett, Georgia 51 $ 8,640,000 $ 169,411 $ 67,000
Essex, New Jersey 51 $ 13,648,000 $ 267,607 $ 96,000
Kings, New York 51 $ 22,377,000 $ 438,764 $ 119,000
King, Washington 50 $ 14,551,000 $ 291,020 $ 95,000
Pima, Arizona 49 $ 8,819,000 $ 179,979 $ 62,000
Hudson, New Jersey 49 $ 13,570,000 $ 276,938 $ 90,000
Montgomery, Pennsylvania 49 $ 11,790,000 $ 240,612 $ 87,000
Denver, Colorado 48 $ 9,501,000 $ 197,937 $ 74,000
Bronx, New York 48 $ 17,746,000 $ 369,708 $ 89,000
Richmond, New York 48 $ 16,403,000 $ 341,729 $ 93,000
Saratoga, New York 48 $ 9,490,000 $ 197,708 $ 72,000
Cobb, Georgia 47 $ 9,460,000 $ 201,276 $ 80,000
Essex, Massachusetts 47 $ 11,575,000 $ 246,276 $ 74,000
Harford, Maryland 45 $ 12,111,000 $ 269,133 $ 89,000
San Francisco, California 44 $ 17,926,000 $ 407,409 $ 121,000
Morris, New Jersey 42 $ 13,545,000 $ 322,500 $ 142,000
Erie, New York 42 $ 5,232,000 $ 124,571 $ 59,000
Delaware, Pennsylvania 42 $ 9,744,000 $ 232,000 $ 79,000
Monroe, Pennsylvania 42 $ 7,135,000 $ 169,880 $ 65,000
DuPage, Illinois 41 $ 9,459,000 $ 230,707 $ 87,000
Carroll, Maryland 41 $ 12,122,000 $ 295,658 $ 101,000
Camden, New Jersey 41 $ 9,130,000 $ 222,682 $ 86,000
Berkeley, West Virginia 41 $ 7,090,000 $ 172,926 $ 53,000
Sacramento, California 40 $ 9,344,000 $ 233,600 $ 89,000
New Haven, Connecticut 40 $ 9,623,000 $ 240,575 $ 105,000
DeKalb, Georgia 39 $ 8,456,000 $ 216,820 $ 109,000
Howard, Maryland 39 $ 11,518,000 $ 295,333 $ 119,000
Union, New Jersey 39 $ 11,106,000 $ 284,769 $ 102,000
Loudoun, Virginia 39 $ 16,417,000 $ 420,948 $ 139,000
Hillsborough, Florida 38 $ 6,301,000 $ 165,815 $ 46,000
Douglas, Colorado 37 $ 9,588,000 $ 259,135 $ 105,000
Lake, Illinois 37 $ 9,625,000 $ 260,135 $ 131,000
Adams, Colorado 36 $ 5,996,000 $ 166,555 $ 57,000
Jackson, Missouri 36 $ 5,547,000 $ 154,083 $ 66,000
Bucks, Pennsylvania 36 $ 9,832,000 $ 273,111 $ 132,000
Hampden, Massachusetts 35 $ 6,241,000 $ 178,314 $ 73,000
Orange, New York 35 $ 9,350,000 $ 267,142 $ 86,000
Chester, Pennsylvania 35 $ 7,887,000 $ 225,342 $ 92,000
York, Pennsylvania 35 $ 6,978,000 $ 199,371 $ 74,000
Chesterfield, Virginia 35 $ 7,350,000 $ 210,000 $ 66,000
Henrico, Virginia 34 $ 7,161,000 $ 210,617 $ 83,000
Honolulu, Hawaii 33 $ 11,936,000 $ 361,696 $ 91,000
McHenry, Illinois 32 $ 5,826,000 $ 182,062 $ 64,000
Frederick, Maryland 32 $ 8,767,000 $ 273,968 $ 102,000
Mercer, New Jersey 32 $ 7,848,000 $ 245,250 $ 104,000
Stark, North Dakota 32 $ 4,656,000 $ 145,500 $ 73,000
Suffolk, Massachusetts 31 $ 8,096,000 $ 261,161 $ 77,000
Bernalillo, New Mexico 31 $ 6,200,000 $ 200,000 $ 81,000
Albany, New York 31 $ 5,113,000 $ 164,935 $ 73,000
Pierce, Washington 31 $ 8,345,000 $ 269,193 $ 66,000
Virginia Beach, Virginia 30 $ 6,119,000 $ 203,966 $ 55,000
Atlantic, New Jersey 29 $ 6,344,000 $ 218,758 $ 90,000
Kern, California 28 $ 5,463,000 $ 195,107 $ 70,000
Kane, Illinois 28 $ 5,278,000 $ 188,500 $ 73,000
Collin, Texas 28 $ 5,754,000 $ 205,500 $ 88,000
Dallas, Texas 28 $ 4,996,000 $ 178,428 $ 94,000
Boulder, Colorado 27 $ 6,895,000 $ 255,370 $ 114,000
Will, Illinois 27 $ 5,670,000 $ 210,000 $ 62,000
Polk, Iowa 27 $ 4,325,000 $ 160,185 $ 64,000
Cumberland, North Carolina 27 $ 4,893,000 $ 181,222 $ 37,000
Cherokee, Georgia 26 $ 4,772,000 $ 183,538 $ 77,000
Forsyth, Georgia 26 $ 6,331,000 $ 243,500 $ 91,000
Charles, Maryland 26 $ 6,763,000 $ 260,115 $ 85,000
Hillsborough, New Hampshire 26 $ 5,894,000 $ 226,692 $ 54,000
Cuyahoga, Ohio 26 $ 3,698,000 $ 142,230 $ 85,000
Anoka, Minnesota 25 $ 4,731,000 $ 189,240 $ 74,000
Rockingham, New Hampshire 25 $ 6,657,000 $ 266,280 $ 94,000
Putnam, New York 25 $ 7,246,000 $ 289,840 $ 106,000
Rensselaer, New York 25 $ 3,523,000 $ 140,920 $ 58,000
Snohomish, Washington 25 $ 6,571,000 $ 262,840 $ 64,000
San Joaquin, California 24 $ 6,013,000 $ 250,541 $ 89,000
Dona Ana, New Mexico 24 $ 4,212,000 $ 175,500 $ 72,000
Clinton, New York 24 $ 3,460,000 $ 144,166 $ 78,000
Bexar, Texas 24 $ 4,282,000 $ 178,416 $ 63,000
Gloucester, New Jersey 23 $ 4,835,000 $ 210,217 $ 84,000
Broome, New York 23 $ 2,939,000 $ 127,782 $ 62,000
Stafford, Virginia 23 $ 7,073,000 $ 307,521 $ 79,000
Fresno, California 22 $ 5,117,000 $ 232,590 $ 92,000
Hartford, Connecticut 22 $ 4,576,000 $ 208,000 $ 98,000
Kent, Delaware 22 $ 4,832,000 $ 219,636 $ 81,000
Guilford, North Carolina 22 $ 3,639,000 $ 165,409 $ 53,000
Utah, Utah 22 $ 5,004,000 $ 227,454 $ 54,000
Dakota, Minnesota 21 $ 4,106,000 $ 195,523 $ 71,000
Ramsey, Minnesota 21 $ 3,851,000 $ 183,380 $ 84,000
Onslow, North Carolina 21 $ 3,958,000 $ 188,476 $ 24,000
Lucas, Ohio 21 $ 3,015,000 $ 143,571 $ 88,000
Santa Barbara, California 20 $ 7,302,000 $ 365,100 $ 117,000
Sonoma, California 20 $ 7,090,000 $ 354,500 $ 152,000
Weld, Colorado 20 $ 4,000,000 $ 200,000 $ 74,000
Barnstable, Massachusetts 20 $ 5,509,000 $ 275,450 $ 91,000
Somerset, New Jersey 20 $ 5,611,000 $ 280,550 $ 90,000
Burleigh, North Dakota 20 $ 3,324,000 $ 166,200 $ 70,000
Calvert, Maryland 19 $ 5,347,000 $ 281,421 $ 85,000
Schenectady, New York 19 $ 2,967,000 $ 156,157 $ 62,000
Forsyth, North Carolina 19 $ 2,953,000 $ 155,421 $ 54,000
Union, North Carolina 19 $ 4,203,000 $ 221,210 $ 76,000
Allegheny, Pennsylvania 19 $ 2,706,000 $ 142,421 $ 69,000
Kent, Rhode Island 19 $ 3,245,000 $ 170,789 $ 49,000
Horry, South Carolina 19 $ 2,858,000 $ 150,421 $ 94,000
Tarrant, Texas 19 $ 3,752,000 $ 197,473 $ 58,000
Travis, Texas 19 $ 4,011,000 $ 211,105 $ 109,000
Davis, Utah 19 $ 4,329,000 $ 227,842 $ 60,000
Warren, Virginia 19 $ 3,448,000 $ 181,473 $ 70,000
Anchorage, Alaska 18 $ 4,671,000 $ 259,500 $ 60,000
Missoula, Montana 18 $ 3,301,000 $ 183,388 $ 51,000
Denton, Texas 18 $ 3,800,000 $ 211,111 $ 90,000
Benton, Arkansas 17 $ 3,342,000 $ 196,588 $ 66,000
San Luis Obispo, California 17 $ 6,252,000 $ 367,764 $ 112,000
Santa Cruz, California 17 $ 6,493,000 $ 381,941 $ 96,000
Solano, California 17 $ 3,752,000 $ 220,705 $ 120,000
Ada, Idaho 17 $ 3,321,000 $ 195,352 $ 66,000
Washington, Maryland 17 $ 3,222,000 $ 189,529 $ 64,000
Washington, Minnesota 17 $ 4,161,000 $ 244,764 $ 87,000
Fort Bend, Texas 17 $ 3,768,000 $ 221,647 $ 96,000
Pinellas, Florida 16 $ 2,700,000 $ 168,750 $ 113,000
Oakland, Michigan 16 $ 2,722,000 $ 170,125 $ 85,000
Butte, California 15 $ 3,620,000 $ 241,333 $ 98,000
Duval, Florida 15 $ 2,243,000 $ 149,533 $ 50,000
Osceola, Florida 15 $ 2,273,000 $ 151,533 $ 48,000
Hawaii, Hawaii 15 $ 4,349,000 $ 289,933 $ 66,000
Queen Anne's, Maryland 15 $ 3,852,000 $ 256,800 $ 88,000
Niagara, New York 15 $ 1,562,000 $ 104,133 $ 42,000
Berks, Pennsylvania 15 $ 2,920,000 $ 194,666 $ 72,000
Cumberland, Pennsylvania 15 $ 3,101,000 $ 206,733 $ 68,000
Lancaster, Pennsylvania 15 $ 2,993,000 $ 199,533 $ 55,000
Montgomery, Texas 15 $ 3,755,000 $ 250,333 $ 99,000
Tulare, California 14 $ 3,141,000 $ 224,357 $ 67,000
New London, Connecticut 14 $ 3,496,000 $ 249,714 $ 97,000
Douglas, Georgia 14 $ 1,775,000 $ 126,785 $ 48,000
Iredell, North Carolina 14 $ 2,947,000 $ 210,500 $ 73,000
Delaware, Ohio 14 $ 3,172,000 $ 226,571 $ 102,000
Washington, Oregon 14 $ 3,967,000 $ 283,357 $ 84,000
Washington, Utah 14 $ 3,149,000 $ 224,928 $ 89,000
Richmond City, Virginia 14 $ 1,963,000 $ 140,214 $ 52,000
Jefferson, West Virginia 14 $ 2,708,000 $ 193,428 $ 70,000
Orange, Florida 13 $ 2,179,000 $ 167,615 $ 45,000
St. Mary's, Maryland 13 $ 4,232,000 $ 325,538 $ 54,000
Cabarrus, North Carolina 13 $ 2,313,000 $ 177,923 $ 59,000
Summit, Ohio 13 $ 3,017,000 $ 232,076 $ 107,000
Northampton, Pennsylvania 13 $ 2,646,000 $ 203,538 $ 96,000
Washington, Rhode Island 13 $ 3,038,000 $ 233,692 $ 65,000
York, South Carolina 13 $ 2,083,000 $ 160,230 $ 90,000
Davidson, Tennessee 13 $ 2,480,000 $ 190,769 $ 51,000
Shelby, Tennessee 13 $ 2,182,000 $ 167,846 $ 60,000
Spotsylvania, Virginia 13 $ 3,869,000 $ 297,615 $ 68,000
Thurston, Washington 13 $ 2,884,000 $ 221,846 $ 38,000
Mohave, Arizona 12 $ 2,389,000 $ 199,083 $ 87,000
Calaveras, California 12 $ 2,262,000 $ 188,500 $ 95,000
El Dorado, California 12 $ 3,603,000 $ 300,250 $ 88,000
Marin, California 12 $ 3,979,000 $ 331,583 $ 125,000
Placer, California 12 $ 3,863,000 $ 321,916 $ 86,000
Sussex, Delaware 12 $ 2,225,000 $ 185,416 $ 85,000
Lake, Indiana 12 $ 2,445,000 $ 203,750 $ 96,000
East Baton Rouge, Louisiana 12 $ 2,157,000 $ 179,750 $ 65,000
Jefferson, Louisiana 12 $ 2,671,000 $ 222,583 $ 78,000
Washoe, Nevada 12 $ 3,588,000 $ 299,000 $ 98,000
Fulton, New York 12 $ 1,689,000 $ 140,750 $ 65,000
New York, New York 12 $ 7,160,000 $ 596,666 $ 299,000
Williamson, Texas 12 $ 2,017,000 $ 168,083 $ 73,000
Chittenden, Vermont 12 $ 2,528,000 $ 210,666 $ 55,000
Chesapeake, Virginia 12 $ 3,537,000 $ 294,750 $ 45,000
Culpeper, Virginia 12 $ 2,445,000 $ 203,750 $ 58,000
Norfolk, Virginia 12 $ 2,324,000 $ 193,666 $ 49,000
Skagit, Washington 12 $ 3,739,000 $ 311,583 $ 72,000
Matanuska-Susitna, Alaska 11 $ 2,449,000 $ 222,636 $ 67,000
Stanislaus, California 11 $ 1,983,000 $ 180,272 $ 95,000
Yolo, California 11 $ 2,962,000 $ 269,272 $ 93,000
Larimer, Colorado 11 $ 2,334,000 $ 212,181 $ 80,000
Mesa, Colorado 11 $ 2,796,000 $ 254,181 $ 69,000
Winnebago, Illinois 11 $ 2,002,000 $ 182,000 $ 64,000
Marion, Indiana 11 $ 2,081,000 $ 189,181 $ 71,000
Sedgwick, Kansas 11 $ 1,825,000 $ 165,909 $ 45,000
Wyandotte, Kansas 11 $ 1,666,000 $ 151,454 $ 33,000
Jefferson, Kentucky 11 $ 2,453,000 $ 223,000 $ 54,000
York, Maine 11 $ 1,974,000 $ 179,454 $ 110,000
Macomb, Michigan 11 $ 1,892,000 $ 172,000 $ 48,000
Wayne, Michigan 11 $ 1,713,000 $ 155,727 $ 56,000
Scott, Minnesota 11 $ 2,542,000 $ 231,090 $ 78,000
Wright, Minnesota 11 $ 2,128,000 $ 193,454 $ 78,000
Buchanan, Missouri 11 $ 1,080,000 $ 98,181 $ 50,000
Clay, Missouri 11 $ 2,163,000 $ 196,636 $ 64,000
Ontario, New York 11 $ 1,468,000 $ 133,454 $ 44,000
Wayne, New York 11 $ 1,259,000 $ 114,454 $ 59,000
Johnston, North Carolina 11 $ 2,015,000 $ 183,181 $ 40,000
New Hanover, North Carolina 11 $ 2,329,000 $ 211,727 $ 106,000
Williams, North Dakota 11 $ 1,310,000 $ 119,090 $ 67,000
Greenville, South Carolina 11 $ 1,949,000 $ 177,181 $ 59,000
Rutherford, Tennessee 11 $ 2,412,000 $ 219,272 $ 70,000
Hanover, Virginia 11 $ 2,297,000 $ 208,818 $ 60,000
James City, Virginia 11 $ 3,051,000 $ 277,363 $ 49,000
Clark, Washington 11 $ 2,823,000 $ 256,636 $ 58,000
Kitsap, Washington 11 $ 2,430,000 $ 220,909 $ 36,000
Spokane, Washington 11 $ 2,524,000 $ 229,454 $ 63,000
Monongalia, West Virginia 11 $ 1,885,000 $ 171,363 $ 64,000
Middlesex, Connecticut 10 $ 3,064,000 $ 306,400 $ 91,000
Fayette, Georgia 10 $ 2,193,000 $ 219,300 $ 75,000
Hall, Georgia 10 $ 1,572,000 $ 157,200 $ 53,000
Kendall, Illinois 10 $ 1,877,000 $ 187,700 $ 84,000
Ascension, Louisiana 10 $ 2,305,000 $ 230,500 $ 91,000
Livingston, Louisiana 10 $ 1,580,000 $ 158,000 $ 60,000
Orleans, Louisiana 10 $ 2,635,000 $ 263,500 $ 71,000
St. Louis, Missouri 10 $ 1,949,000 $ 194,900 $ 73,000
Warren, New York 10 $ 1,594,000 $ 159,400 $ 66,000
Brunswick, North Carolina 10 $ 2,031,000 $ 203,100 $ 59,000
Buncombe, North Carolina 10 $ 1,875,000 $ 187,500 $ 55,000
Lake, Ohio 10 $ 1,762,000 $ 176,200 $ 77,000
Lehigh, Pennsylvania 10 $ 1,778,000 $ 177,800 $ 73,000
Pennington, South Dakota 10 $ 1,600,000 $ 160,000 $ 50,000
Franklin, Vermont 10 $ 1,740,000 $ 174,000 $ 61,000
Newport News, Virginia 10 $ 2,405,000 $ 240,500 $ 50,000
Benton, Washington 10 $ 1,930,000 $ 193,000 $ 124,000
Shelby, Alabama 9 $ 1,755,000 $ 195,000 $ 40,000
Yavapai, Arizona 9 $ 1,990,000 $ 221,111 $ 118,000
Kings, California 9 $ 1,898,000 $ 210,888 $ 95,000
Pueblo, Colorado 9 $ 1,469,000 $ 163,222 $ 48,000
Marion, Florida 9 $ 1,755,000 $ 195,000 $ 95,000
Pasco, Florida 9 $ 1,428,000 $ 158,666 $ 42,000
Chatham, Georgia 9 $ 1,775,000 $ 197,222 $ 54,000
Clayton, Georgia 9 $ 1,103,000 $ 122,555 $ 28,000
Lafayette, Louisiana 9 $ 1,642,000 $ 182,444 $ 63,000
Cecil, Maryland 9 $ 2,262,000 $ 251,333 $ 81,000
Hunterdon, New Jersey 9 $ 3,086,000 $ 342,888 $ 132,000
Jefferson, New York 9 $ 1,920,000 $ 213,333 $ 47,000
Montgomery, Ohio 9 $ 1,556,000 $ 172,888 $ 36,000
Jefferson, Alabama 8 $ 1,155,000 $ 144,375 $ 57,000
Okaloosa, Florida 8 $ 1,381,000 $ 172,625 $ 24,000
Sarasota, Florida 8 $ 1,889,000 $ 236,125 $ 94,000
Volusia, Florida 8 $ 1,138,000 $ 142,250 $ 48,000
Coweta, Georgia 8 $ 1,597,000 $ 199,625 $ 170,000
Muscogee, Georgia 8 $ 1,677,000 $ 209,625 $ 83,000
Newton, Georgia 8 $ 1,641,000 $ 205,125 $ 52,000
Madison, Illinois 8 $ 1,201,000 $ 150,125 $ 60,000
St. Clair, Illinois 8 $ 1,388,000 $ 173,500 $ 64,000
Hamilton, Indiana 8 $ 1,601,000 $ 200,125 $ 74,000
Scott, Iowa 8 $ 2,735,000 $ 341,875 $ 135,000
Cumberland, New Jersey 8 $ 1,334,000 $ 166,750 $ 52,000
Sandoval, New Mexico 8 $ 1,967,000 $ 245,875 $ 90,000
Durham, North Carolina 8 $ 1,205,000 $ 150,625 $ 64,000
Gaston, North Carolina 8 $ 1,210,000 $ 151,250 $ 78,000
Henderson, North Carolina 8 $ 1,605,000 $ 200,625 $ 82,000
Morton, North Dakota 8 $ 1,079,000 $ 134,875 $ 56,000
Adams, Pennsylvania 8 $ 1,632,000 $ 204,000 $ 71,000
Carbon, Pennsylvania 8 $ 1,376,000 $ 172,000 $ 82,000
Pike, Pennsylvania 8 $ 1,231,000 $ 153,875 $ 53,000
Alexandria, Virginia 8 $ 2,512,000 $ 314,000 $ 115,000
Arlington, Virginia 8 $ 3,302,000 $ 412,750 $ 117,000
Caroline, Virginia 8 $ 1,522,000 $ 190,250 $ 74,000
Westmoreland, Virginia 8 $ 1,865,000 $ 233,125 $ 134,000
Madison, Alabama 7 $ 1,352,000 $ 193,142 $ 168,000
Coconino, Arizona 7 $ 1,513,000 $ 216,142 $ 137,000
Yuma, Arizona 7 $ 1,538,000 $ 219,714 $ 32,000
Napa, California 7 $ 1,966,000 $ 280,857 $ 97,000
Windham, Connecticut 7 $ 1,465,000 $ 209,285 $ 42,000
Seminole, Florida 7 $ 1,301,000 $ 185,857 $ 56,000
Henry, Georgia 7 $ 1,299,000 $ 185,571 $ 76,000
Paulding, Georgia 7 $ 1,005,000 $ 143,571 $ 40,000
Caddo, Louisiana 7 $ 1,315,000 $ 187,857 $ 90,000
St. Tammany, Louisiana 7 $ 1,315,000 $ 187,857 $ 89,000
Wicomico, Maryland 7 $ 1,069,000 $ 152,714 $ 43,000
Worcester, Maryland 7 $ 1,670,000 $ 238,571 $ 85,000
Gallatin, Montana 7 $ 1,436,000 $ 205,142 $ 32,000
Douglas, Nebraska 7 $ 1,146,000 $ 163,714 $ 75,000
Cheshire, New Hampshire 7 $ 1,288,000 $ 184,000 $ 58,000
Grafton, New Hampshire 7 $ 1,898,000 $ 271,142 $ 64,000
Cape May, New Jersey 7 $ 1,898,000 $ 271,142 $ 142,000
Salem, New Jersey 7 $ 1,276,000 $ 182,285 $ 68,000
Chemung, New York 7 $ 519,000 $ 74,142 $ 46,000
Montgomery, New York 7 $ 889,000 $ 127,000 $ 52,000
Craven, North Carolina 7 $ 1,131,000 $ 161,571 $ 47,000
Davidson, North Carolina 7 $ 1,023,000 $ 146,142 $ 59,000
Orange, North Carolina 7 $ 1,416,000 $ 202,285 $ 42,000
Rowan, North Carolina 7 $ 906,000 $ 129,428 $ 37,000
Hamilton, Ohio 7 $ 1,225,000 $ 175,000 $ 92,000
Tulsa, Oklahoma 7 $ 1,451,000 $ 207,285 $ 65,000
Lane, Oregon 7 $ 1,473,000 $ 210,428 $ 43,000
Marion, Oregon 7 $ 1,354,000 $ 193,428 $ 70,000
Multnomah, Oregon 7 $ 1,585,000 $ 226,428 $ 112,000
Galveston, Texas 7 $ 1,555,000 $ 222,142 $ 129,000
Tooele, Utah 7 $ 1,337,000 $ 191,000 $ 61,000
Fauquier, Virginia 7 $ 2,075,000 $ 296,428 $ 90,000
Roanoke City, Virginia 7 $ 934,000 $ 133,428 $ 50,000
Laramie, Wyoming 7 $ 1,490,000 $ 212,857 $ 69,000
Baldwin, Alabama 6 $ 1,241,000 $ 206,833 $ 64,000
Pulaski, Arkansas 6 $ 1,001,000 $ 166,833 $ 30,000
Merced, California 6 $ 854,000 $ 142,333 $ 76,000
Monterey, California 6 $ 1,883,000 $ 313,833 $ 220,000
Sutter, California 6 $ 1,443,000 $ 240,500 $ 49,000
Garfield, Colorado 6 $ 1,562,000 $ 260,333 $ 82,000
Bay, Florida 6 $ 1,725,000 $ 287,500 $ 66,000
Lowndes, Georgia 6 $ 1,272,000 $ 212,000 $ 53,000
Kent, Maryland 6 $ 1,139,000 $ 189,833 $ 62,000
Hampshire, Massachusetts 6 $ 1,221,000 $ 203,500 $ 65,000
Douglas, Nevada 6 $ 1,301,000 $ 216,833 $ 67,000
Sussex, New Jersey 6 $ 1,057,000 $ 176,166 $ 56,000
Alamance, North Carolina 6 $ 898,000 $ 149,666 $ 69,000
Harnett, North Carolina 6 $ 1,218,000 $ 203,000 $ 41,000
Clark, Ohio 6 $ 564,000 $ 94,000 $ 43,000
Medina, Ohio 6 $ 1,059,000 $ 176,500 $ 66,000
Warren, Ohio 6 $ 1,118,000 $ 186,333 $ 88,000
Richland, South Carolina 6 $ 987,000 $ 164,500 $ 31,000
Sumner, Tennessee 6 $ 714,000 $ 119,000 $ 63,000
Hays, Texas 6 $ 982,000 $ 163,666 $ 99,000
Hidalgo, Texas 6 $ 1,152,000 $ 192,000 $ 42,000
Montgomery, Alabama 5 $ 1,126,000 $ 225,200 $ 88,000
Fairbanks North Star, Alaska 5 $ 1,147,000 $ 229,400 $ 43,000
Cochise, Arizona 5 $ 1,072,000 $ 214,400 $ 18,000
Imperial, California 5 $ 957,000 $ 191,400 $ 68,000
Nevada, California 5 $ 846,000 $ 169,200 $ 55,000
San Benito, California 5 $ 1,409,000 $ 281,800 $ 82,000
Litchfield, Connecticut 5 $ 1,545,000 $ 309,000 $ 82,000
Alachua, Florida 5 $ 821,000 $ 164,200 $ 49,000
Polk, Florida 5 $ 764,000 $ 152,800 $ 33,000
Santa Rosa, Florida 5 $ 904,000 $ 180,800 $ 50,000
Houston, Georgia 5 $ 1,106,000 $ 221,200 $ 74,000
Kauai, Hawaii 5 $ 2,755,000 $ 551,000 $ 264,000
Rock Island, Illinois 5 $ 681,000 $ 136,200 $ 253,000
Dallas, Iowa 5 $ 1,023,000 $ 204,600 $ 66,000
Leavenworth, Kansas 5 $ 955,000 $ 191,000 $ 63,000
Franklin, Massachusetts 5 $ 971,000 $ 194,200 $ 60,000
Kent, Michigan 5 $ 963,000 $ 192,600 $ 81,000
Washtenaw, Michigan 5 $ 1,328,000 $ 265,600 $ 144,000
Morrison, Minnesota 5 $ 574,000 $ 114,800 $ 66,000
Hinds, Mississippi 5 $ 540,000 $ 108,000 $ 31,000
Platte, Missouri 5 $ 1,253,000 $ 250,600 $ 81,000
St. Charles, Missouri 5 $ 994,000 $ 198,800 $ 67,000
Flathead, Montana 5 $ 1,338,000 $ 267,600 $ 42,000
Carson City, Nevada 5 $ 1,401,000 $ 280,200 $ 36,000
Strafford, New Hampshire 5 $ 1,652,000 $ 330,400 $ 89,000
Livingston, New York 5 $ 557,000 $ 111,400 $ 56,000
Onondaga, New York 5 $ 1,232,000 $ 246,400 $ 130,000
Steuben, New York 5 $ 777,000 $ 155,400 $ 69,000
Currituck, North Carolina 5 $ 1,130,000 $ 226,000 $ 42,000
Mercer, North Dakota 5 $ 725,000 $ 145,000 $ 83,000
Geauga, Ohio 5 $ 1,489,000 $ 297,800 $ 142,000
Beaver, Pennsylvania 5 $ 861,000 $ 172,200 $ 87,000
Franklin, Pennsylvania 5 $ 1,076,000 $ 215,200 $ 65,000
Lackawanna, Pennsylvania 5 $ 678,000 $ 135,600 $ 46,000
Luzerne, Pennsylvania 5 $ 915,000 $ 183,000 $ 93,000
Lexington, South Carolina 5 $ 1,027,000 $ 205,400 $ 50,000
Bell, Texas 5 $ 868,000 $ 173,600 $ 31,000
Grayson, Texas 5 $ 943,000 $ 188,600 $ 105,000
Jefferson, Texas 5 $ 836,000 $ 167,200 $ 46,000
Rockwall, Texas 5 $ 1,115,000 $ 223,000 $ 66,000
Summit, Utah 5 $ 1,494,000 $ 298,800 $ 85,000
Wasatch, Utah 5 $ 1,338,000 $ 267,600 $ 74,000
Weber, Utah 5 $ 530,000 $ 106,000 $ 34,000
Manassas Park, Virginia 5 $ 843,000 $ 168,600 $ 178,000
Portsmouth, Virginia 5 $ 853,000 $ 170,600 $ 46,000
Suffolk, Virginia 5 $ 1,304,000 $ 260,800 $ 48,000
Dane, Wisconsin 5 $ 1,538,000 $ 307,600 $ 76,000
Milwaukee, Wisconsin 5 $ 994,000 $ 198,800 $ 71,000
Juneau, Alaska 4 $ 1,226,000 $ 306,500 $ 86,000
Navajo, Arizona 4 $ 798,000 $ 199,500 $ 56,000
Shasta, California 4 $ 816,000 $ 204,000 $ 43,000
Tuolumne, California 4 $ 819,000 $ 204,750 $ 46,000
Broomfield, Colorado 4 $ 930,000 $ 232,500 $ 65,000
La Plata, Colorado 4 $ 1,094,000 $ 273,500 $ 95,000
Park, Colorado 4 $ 1,165,000 $ 291,250 $ 44,000
Summit, Colorado 4 $ 1,509,000 $ 377,250 $ 191,000
Brevard, Florida 4 $ 842,000 $ 210,500 $ 0
Broward, Florida 4 $ 862,000 $ 215,500 $ 125,000
Clay, Florida 4 $ 682,000 $ 170,500 $ 36,000
Nassau, Florida 4 $ 920,000 $ 230,000 $ 42,000
St. Lucie, Florida 4 $ 601,000 $ 150,250 $ 43,000
Walton, Florida 4 $ 842,000 $ 210,500 $ 84,000
Bartow, Georgia 4 $ 591,000 $ 147,750 $ 28,000
Bryan, Georgia 4 $ 920,000 $ 230,000 $ 14,000
Columbia, Georgia 4 $ 697,000 $ 174,250 $ 58,000
Liberty, Georgia 4 $ 737,000 $ 184,250 $ 14,000
Richmond, Georgia 4 $ 688,000 $ 172,000 $ 33,000
Maui, Hawaii 4 $ 1,271,000 $ 317,750 $ 70,000
Bonneville, Idaho 4 $ 637,000 $ 159,250 $ 58,000
Monroe, Illinois 4 $ 841,000 $ 210,250 $ 97,000
Porter, Indiana 4 $ 844,000 $ 211,000 $ 74,000
Story, Iowa 4 $ 524,000 $ 131,000 $ 32,000
Beauregard, Louisiana 4 $ 1,043,000 $ 260,750 $ 64,000
Bossier, Louisiana 4 $ 751,000 $ 187,750 $ 57,000
St. John the Baptist, Louisiana 4 $ 756,000 $ 189,000 $ 49,000
Otter Tail, Minnesota 4 $ 973,000 $ 243,250 $ 76,000
Harrison, Mississippi 4 $ 737,000 $ 184,250 $ 64,000
Lewis and Clark, Montana 4 $ 923,000 $ 230,750 $ 121,000
Park, Montana 4 $ 999,000 $ 249,750 $ 354,000
Warren, New Jersey 4 $ 1,115,000 $ 278,750 $ 127,000
Eddy, New Mexico 4 $ 847,000 $ 211,750 $ 64,000
Santa Fe, New Mexico 4 $ 1,359,000 $ 339,750 $ 98,000
Valencia, New Mexico 4 $ 671,000 $ 167,750 $ 19,000
Essex, New York 4 $ 589,000 $ 147,250 $ 45,000
Oswego, New York 4 $ 415,000 $ 103,750 $ 71,000
Washington, New York 4 $ 596,000 $ 149,000 $ 55,000
Davie, North Carolina 4 $ 630,000 $ 157,500 $ 65,000
Nash, North Carolina 4 $ 686,000 $ 171,500 $ 79,000
Randolph, North Carolina 4 $ 666,000 $ 166,500 $ 61,000
Hettinger, North Dakota 4 $ 419,000 $ 104,750 $ 58,000
Clermont, Ohio 4 $ 854,000 $ 213,500 $ 36,000
Licking, Ohio 4 $ 610,000 $ 152,500 $ 63,000
Lorain, Ohio 4 $ 736,000 $ 184,000 $ 51,000
Stark, Ohio 4 $ 706,000 $ 176,500 $ 54,000
Union, Ohio 4 $ 711,000 $ 177,750 $ 36,000
Wood, Ohio 4 $ 730,000 $ 182,500 $ 54,000
Canadian, Oklahoma 4 $ 937,000 $ 234,250 $ 42,000
Clackamas, Oregon 4 $ 988,000 $ 247,000 $ 83,000
Coos, Oregon 4 $ 670,000 $ 167,500 $ 44,000
Butler, Pennsylvania 4 $ 911,000 $ 227,750 $ 83,000
Centre, Pennsylvania 4 $ 733,000 $ 183,250 $ 61,000
Dauphin, Pennsylvania 4 $ 699,000 $ 174,750 $ 39,000
Newport, Rhode Island 4 $ 933,000 $ 233,250 $ 92,000
Aiken, South Carolina 4 $ 366,000 $ 91,500 $ 32,000
Charleston, South Carolina 4 $ 1,310,000 $ 327,500 $ 135,000
Cannon, Tennessee 4 $ 1,109,000 $ 277,250 $ 94,000
Hamilton, Tennessee 4 $ 620,000 $ 155,000 $ 46,000
Williamson, Tennessee 4 $ 1,091,000 $ 272,750 $ 100,000
Taylor, Texas 4 $ 903,000 $ 225,750 $ 35,000
Millard, Utah 4 $ 786,000 $ 196,500 $ 71,000
Bennington, Vermont 4 $ 725,000 $ 181,250 $ 101,000
Dinwiddie, Virginia 4 $ 1,104,000 $ 276,000 $ 43,000
Fairfax City, Virginia 4 $ 1,437,000 $ 359,250 $ 172,000
Fredericksburg, Virginia 4 $ 860,000 $ 215,000 $ 48,000
Gloucester, Virginia 4 $ 763,000 $ 190,750 $ 39,000
Hampton, Virginia 4 $ 959,000 $ 239,750 $ 21,000
Louisa, Virginia 4 $ 839,000 $ 209,750 $ 55,000
Manassas, Virginia 4 $ 1,177,000 $ 294,250 $ 133,000
New Kent, Virginia 4 $ 1,022,000 $ 255,500 $ 98,000
Island, Washington 4 $ 893,000 $ 223,250 $ 43,000
Waukesha, Wisconsin 4 $ 813,000 $ 203,250 $ 112,000
Fremont, Wyoming 4 $ 521,000 $ 130,250 $ 103,000
Mobile, Alabama 3 $ 620,000 $ 206,666 $ 75,000
St. Clair, Alabama 3 $ 588,000 $ 196,000 $ 53,000
Tuscaloosa, Alabama 3 $ 390,000 $ 130,000 $ 130,000
Southeast Fairbanks, Alaska 3 $ 466,000 $ 155,333 $ 49,000
Faulkner, Arkansas 3 $ 570,000 $ 190,000 $ 30,000
Madera, California 3 $ 653,000 $ 217,666 $ 33,000
Lake, Colorado 3 $ 515,000 $ 171,666 $ 97,000
Routt, Colorado 3 $ 876,000 $ 292,000 $ 77,000
Charlotte, Florida 3 $ 350,000 $ 116,666 $ 28,000
Leon, Florida 3 $ 536,000 $ 178,666 $ 65,000
Manatee, Florida 3 $ 475,000 $ 158,333 $ 66,000
Bibb, Georgia 3 $ 353,000 $ 117,666 $ 9,000
Camden, Georgia 3 $ 667,000 $ 222,333 $ 53,000
Jackson, Georgia 3 $ 263,000 $ 87,666 $ 44,000
Kootenai, Idaho 3 $ 551,000 $ 183,666 $ 10,000
McLean, Illinois 3 $ 684,000 $ 228,000 $ 115,000
Allen, Indiana 3 $ 634,000 $ 211,333 $ 66,000
St. Joseph, Indiana 3 $ 462,000 $ 154,000 $ 59,000
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Mortgage Loan Application Detail Totals for Home Savings of America in 2010

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 9,184 $2,334,093,000 $254,000 $1,305,000 $88,000 $1,633,000
Home Purchase 4,758 $1,051,535,000 $221,000 $756,000 $80,000 $1,090,000
Home Improvement 228 $49,636,000 $217,000 $417,000 $85,000 $284,000

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 9,052 $2,177,392,000 $240,000 $1,305,000 $89,000 $1,633,000
Hispanic 1,416 $287,913,000 $203,000 $700,000 $62,000 $473,000
Not Provided 1,397 $369,826,000 $264,000 $743,000 $84,000 $1,054,000
Black or African American 1,137 $247,584,000 $217,000 $1,149,000 $65,000 $708,000
Asian 1,077 $328,861,000 $305,000 $745,000 $102,000 $730,000
Native Hawaiian or Other Pacific Islander 52 $14,443,000 $277,000 $712,000 $81,000 $426,000
American Indian or Alaskan Native 38 $9,096,000 $239,000 $729,000 $69,000 $193,000
Not applicable 1 $149,000 $149,000 $149,000 $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) 6,890 $1,798,530,000 $261,000 $1,305,000 $108,000 $1,633,000
FHA-insured (Federal Housing Administration) 5,931 $1,319,093,000 $222,000 $1,149,000 $70,000 $708,000
VA-guaranteed (Veterans Administration) 1,299 $310,868,000 $239,000 $756,000 $29,000 $690,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 50 $6,773,000 $135,000 $281,000 $46,000 $89,000

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 8,098 $1,948,142,000 $240,000 $800,000 $85,000 $1,633,000
Application Denied By Financial Institution 4,557 $1,113,867,000 $244,000 $1,305,000 $84,000 $1,448,000
Application Approved But Not Accepted 866 $209,862,000 $242,000 $730,000 $79,000 $730,000
Application Withdrawn By Applicant 585 $146,760,000 $250,000 $773,000 $90,000 $690,000
File Closed For Incompleteness 64 $16,633,000 $259,000 $773,000 $125,000 $1,054,000
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 Application Incomplete 1,926 $481,543,000 $250,000 $1,305,000 $89,000 $1,448,000
Debt-To-Income Ratio 742 $185,589,000 $250,000 $730,000 $67,000 $918,000
Other 648 $151,809,000 $234,000 $1,149,000 $87,000 $708,000
Collateral 532 $128,327,000 $241,000 $698,000 $92,000 $855,000
Credit History 283 $59,700,000 $210,000 $709,000 $69,000 $777,000
Unverifiable Information 266 $67,076,000 $252,000 $730,000 $89,000 $520,000
Employment History 99 $22,746,000 $229,000 $725,000 $82,000 $1,080,000
Insufficient Cash (Downpayment, Closing Cost) 35 $9,209,000 $263,000 $588,000 $87,000 $239,000
Mortgage Insurance Denied 26 $7,868,000 $302,000 $605,000 $100,000 $225,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Home Savings of America's 2010 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 Savings of America'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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