Home Savings Of America
HMDA Loan Application Totals
and Mortgage Lending Details
for 2007
Home Savings Of America 2007 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | 4,217 |
| Total Mortgage Loan Application Amount | $1,408,800,000 |
| Average Mortgage Loan Application Amount | $333,333 |
| Highest Mortgage Loan Application Amount | $2,040,000 |
| Average Applicant Income | $140,000 |
| Highest Applicant Income | $1,875,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2007 with Home Savings Of America. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Home Savings Of America's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2007 breaks down Home Savings Of America's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Home Savings Of America serves its applicants.
Each category highlights the total number of mortgage applications processed by Home Savings Of America, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Home Savings Of America's mortgage activity for 2007.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles County California | 977 | $ 371,531,000 | $ 380,000 | $ 147,000 |
| Riverside County California | 360 | $ 117,600,000 | $ 326,000 | $ 135,000 |
| San Bernardino County California | 277 | $ 80,913,000 | $ 292,000 | $ 128,000 |
| Orange County California | 268 | $ 113,365,000 | $ 423,000 | $ 156,000 |
| San Diego County California | 224 | $ 89,158,000 | $ 398,000 | $ 159,000 |
| Alameda County California | 136 | $ 56,254,000 | $ 413,000 | $ 157,000 |
| Contra Costa County California | 133 | $ 52,821,000 | $ 397,000 | $ 150,000 |
| Maricopa County Arizona | 132 | $ 31,840,000 | $ 241,000 | $ 89,000 |
| Santa Clara County California | 105 | $ 49,044,000 | $ 467,000 | $ 152,000 |
| Cook County Illinois | 95 | $ 24,623,000 | $ 259,000 | $ 185,000 |
| San Joaquin County California | 94 | $ 30,158,000 | $ 320,000 | $ 125,000 |
| Sacramento County California | 78 | $ 21,568,000 | $ 276,000 | $ 112,000 |
| Dallas County Texas | 72 | $ 21,639,000 | $ 300,000 | $ 170,000 |
| Morrison County Minnesota | 68 | $ 6,953,000 | $ 102,000 | $ 58,000 |
| Ventura County California | 61 | $ 25,667,000 | $ 420,000 | $ 187,000 |
| San Mateo County California | 56 | $ 26,634,000 | $ 475,000 | $ 139,000 |
| Clark County Nevada | 55 | $ 13,243,000 | $ 240,000 | $ 118,000 |
| Tarrant County Texas | 50 | $ 7,692,000 | $ 153,000 | $ 143,000 |
| Fresno County California | 48 | $ 10,758,000 | $ 224,000 | $ 98,000 |
| Harris County Texas | 47 | $ 11,289,000 | $ 240,000 | $ 162,000 |
| Solano County California | 44 | $ 15,790,000 | $ 358,000 | $ 106,000 |
| Stanislaus County California | 41 | $ 11,791,000 | $ 287,000 | $ 87,000 |
| San Francisco County California | 35 | $ 16,050,000 | $ 458,000 | $ 143,000 |
| Salt Lake County Utah | 34 | $ 9,780,000 | $ 287,000 | $ 97,000 |
| Kern County California | 32 | $ 6,539,000 | $ 204,000 | $ 127,000 |
| Merced County California | 31 | $ 8,603,000 | $ 277,000 | $ 107,000 |
| Collin County Texas | 31 | $ 9,154,000 | $ 295,000 | $ 163,000 |
| Sonoma County California | 29 | $ 11,566,000 | $ 398,000 | $ 147,000 |
| Wayne County Michigan | 28 | $ 2,489,000 | $ 88,000 | $ 74,000 |
| Monterey County California | 21 | $ 8,708,000 | $ 414,000 | $ 132,000 |
| Tulare County California | 16 | $ 3,314,000 | $ 207,000 | $ 117,000 |
| Hennepin County Minnesota | 16 | $ 4,986,000 | $ 311,000 | $ 108,000 |
| DuPage County Illinois | 15 | $ 3,806,000 | $ 253,000 | $ 109,000 |
| Santa Barbara County California | 14 | $ 5,058,000 | $ 361,000 | $ 167,000 |
| Denton County Texas | 14 | $ 2,888,000 | $ 206,000 | $ 122,000 |
| Fort Bend County Texas | 14 | $ 3,002,000 | $ 214,000 | $ 165,000 |
| Montgomery County Texas | 13 | $ 2,819,000 | $ 216,000 | $ 324,000 |
| Butte County California | 12 | $ 1,854,000 | $ 154,000 | $ 166,000 |
| Kane County Illinois | 12 | $ 3,132,000 | $ 261,000 | $ 99,000 |
| Kent County Michigan | 11 | $ 1,633,000 | $ 148,000 | $ 43,000 |
| Galveston County Texas | 11 | $ 1,611,000 | $ 146,000 | $ 119,000 |
| Madera County California | 10 | $ 2,781,000 | $ 278,000 | $ 114,000 |
| San Luis Obispo County California | 10 | $ 4,981,000 | $ 498,000 | $ 176,000 |
| Pierce County Washington | 10 | $ 1,850,000 | $ 185,000 | $ 277,000 |
| Lake County Illinois | 9 | $ 4,278,000 | $ 475,000 | $ 208,000 |
| Utah County Utah | 9 | $ 2,477,000 | $ 275,000 | $ 96,000 |
| Washington County Utah | 9 | $ 3,918,000 | $ 435,000 | $ 125,000 |
| Kings County California | 8 | $ 1,580,000 | $ 197,000 | $ 95,000 |
| Travis County Texas | 8 | $ 2,666,000 | $ 333,000 | $ 120,000 |
| Nevada County California | 7 | $ 3,136,000 | $ 448,000 | $ 308,000 |
| Yolo County California | 7 | $ 1,624,000 | $ 232,000 | $ 95,000 |
| Oakland County Michigan | 7 | $ 1,925,000 | $ 275,000 | $ 127,000 |
| Stearns County Minnesota | 7 | $ 728,000 | $ 104,000 | $ 36,000 |
| Washington County Minnesota | 7 | $ 997,000 | $ 142,000 | $ 212,000 |
| Hamilton County Ohio | 7 | $ 932,000 | $ 133,000 | $ 73,000 |
| Davis County Utah | 7 | $ 2,134,000 | $ 304,000 | $ 115,000 |
| King County Washington | 7 | $ 2,103,000 | $ 300,000 | $ 95,000 |
| Placer County California | 6 | $ 2,408,000 | $ 401,000 | $ 145,000 |
| Calhoun County Michigan | 6 | $ 496,000 | $ 82,000 | $ 39,000 |
| Anoka County Minnesota | 6 | $ 2,601,000 | $ 433,000 | $ 171,000 |
| Bexar County Texas | 6 | $ 1,191,000 | $ 198,000 | $ 91,000 |
| El Dorado County California | 5 | $ 2,035,000 | $ 407,000 | $ 138,000 |
| McHenry County Illinois | 5 | $ 1,395,000 | $ 279,000 | $ 109,000 |
| Prince George's County Maryland | 5 | $ 1,805,000 | $ 361,000 | $ 111,000 |
| Weber County Utah | 5 | $ 799,000 | $ 159,000 | $ 65,000 |
| Mohave County Arizona | 4 | $ 825,000 | $ 206,000 | $ 244,000 |
| Pima County Arizona | 4 | $ 1,041,000 | $ 260,000 | $ 84,000 |
| Pinal County Arizona | 4 | $ 1,367,000 | $ 341,000 | $ 182,000 |
| Napa County California | 4 | $ 2,234,000 | $ 558,000 | $ 182,000 |
| San Benito County California | 4 | $ 2,046,000 | $ 511,000 | $ 170,000 |
| Santa Cruz County California | 4 | $ 1,739,000 | $ 434,000 | $ 157,000 |
| St. Clair County Illinois | 4 | $ 226,000 | $ 56,000 | $ 165,000 |
| Will County Illinois | 4 | $ 1,103,000 | $ 275,000 | $ 90,000 |
| Berrien County Michigan | 4 | $ 395,000 | $ 98,000 | $ 97,000 |
| Wright County Minnesota | 4 | $ 358,000 | $ 89,000 | $ 69,000 |
| Washoe County Nevada | 4 | $ 886,000 | $ 221,000 | $ 108,000 |
| Multnomah County Oregon | 4 | $ 1,056,000 | $ 264,000 | $ 89,000 |
| Ector County Texas | 4 | $ 606,000 | $ 151,000 | $ 36,000 |
| Hidalgo County Texas | 4 | $ 636,000 | $ 159,000 | $ 147,000 |
| Humboldt County California | 3 | $ 758,000 | $ 252,000 | $ 89,000 |
| Mendocino County California | 3 | $ 1,215,000 | $ 405,000 | $ 130,000 |
| Yuba County California | 3 | $ 897,000 | $ 299,000 | $ 115,000 |
| Ada County Idaho | 3 | $ 1,109,000 | $ 369,000 | $ 170,000 |
| Frederick County Maryland | 3 | $ 1,148,000 | $ 382,000 | $ 185,000 |
| Benton County Minnesota | 3 | $ 416,000 | $ 138,000 | $ 45,000 |
| Ramsey County Minnesota | 3 | $ 810,000 | $ 270,000 | $ 92,000 |
| Sherburne County Minnesota | 3 | $ 393,000 | $ 131,000 | $ 61,000 |
| St. Louis City County Missouri | 3 | $ 307,000 | $ 102,000 | $ 198,000 |
| Washington County Oregon | 3 | $ 632,000 | $ 210,000 | $ 247,000 |
| Chesterfield County Virginia | 3 | $ 356,000 | $ 118,000 | $ 50,000 |
| Fairfax County Virginia | 3 | $ 1,714,000 | $ 571,000 | $ 35,000 |
| Island County Washington | 3 | $ 818,000 | $ 272,000 | $ 137,000 |
| Kitsap County Washington | 3 | $ 1,543,000 | $ 514,000 | $ 151,000 |
| Alpine County California | 2 | $ 712,000 | $ 356,000 | $ 77,000 |
| Calaveras County California | 2 | $ 721,000 | $ 360,000 | $ 136,000 |
| Imperial County California | 2 | $ 944,000 | $ 472,000 | $ 48,000 |
| Lake County California | 2 | $ 427,000 | $ 213,000 | $ 92,000 |
| Marin County California | 2 | $ 1,356,000 | $ 678,000 | $ 191,000 |
| Mariposa County California | 2 | $ 664,000 | $ 332,000 | $ 74,000 |
| Douglas County Colorado | 2 | $ 873,000 | $ 436,000 | $ 334,000 |
| Canyon County Idaho | 2 | $ 412,000 | $ 206,000 | $ 213,000 |
| Howard County Maryland | 2 | $ 896,000 | $ 448,000 | $ 164,000 |
| Carver County Minnesota | 2 | $ 292,000 | $ 146,000 | $ 131,000 |
| Chisago County Minnesota | 2 | $ 475,000 | $ 237,000 | $ 91,000 |
| Crow Wing County Minnesota | 2 | $ 184,000 | $ 92,000 | $ 44,000 |
| Scott County Minnesota | 2 | $ 208,000 | $ 104,000 | $ 45,000 |
| St. Louis County Missouri | 2 | $ 230,000 | $ 115,000 | $ 169,000 |
| Warren County Ohio | 2 | $ 151,000 | $ 75,000 | $ 50,000 |
| Bell County Texas | 2 | $ 164,000 | $ 82,000 | $ 96,000 |
| Ellis County Texas | 2 | $ 593,000 | $ 296,000 | $ 0 |
| Erath County Texas | 2 | $ 146,000 | $ 73,000 | $ 249,000 |
| Hays County Texas | 2 | $ 539,000 | $ 269,000 | $ 176,000 |
| Hunt County Texas | 2 | $ 120,000 | $ 60,000 | $ 153,000 |
| Johnson County Texas | 2 | $ 506,000 | $ 253,000 | $ 42,000 |
| Parker County Texas | 2 | $ 653,000 | $ 326,000 | $ 118,000 |
| Smith County Texas | 2 | $ 296,000 | $ 148,000 | $ 95,000 |
| Summit County Utah | 2 | $ 580,000 | $ 290,000 | $ 100,000 |
| Falls Church County Virginia | 2 | $ 880,000 | $ 440,000 | $ 252,000 |
| Frederick County Virginia | 2 | $ 394,000 | $ 197,000 | $ 0 |
| Loudoun County Virginia | 2 | $ 252,000 | $ 126,000 | $ 142,000 |
| Prince William County Virginia | 2 | $ 932,000 | $ 466,000 | $ 118,000 |
| Clark County Washington | 2 | $ 938,000 | $ 469,000 | $ 22,000 |
| Franklin County Washington | 2 | $ 170,000 | $ 85,000 | $ 29,000 |
| Skagit County Washington | 2 | $ 700,000 | $ 350,000 | $ 91,000 |
| Snohomish County Washington | 2 | $ 406,000 | $ 203,000 | $ 51,000 |
| Whatcom County Washington | 2 | $ 413,000 | $ 206,000 | $ 165,000 |
| Madison County Alabama | 1 | $ 113,000 | $ 113,000 | $ 50,000 |
| Tuscaloosa County Alabama | 1 | $ 338,000 | $ 338,000 | $ 110,000 |
| Yuma County Arizona | 1 | $ 191,000 | $ 191,000 | $ 652,000 |
| Amador County California | 1 | $ 350,000 | $ 350,000 | $ 72,000 |
| Colusa County California | 1 | $ 255,000 | $ 255,000 | $ 129,000 |
| Lassen County California | 1 | $ 207,000 | $ 207,000 | $ 54,000 |
| Mono County California | 1 | $ 400,000 | $ 400,000 | $ 268,000 |
| District of Columbia County District Of Columbia | 1 | $ 208,000 | $ 208,000 | $ 46,000 |
| Adams County Idaho | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Boise County Idaho | 1 | $ 486,000 | $ 486,000 | $ 130,000 |
| Nez Perce County Idaho | 1 | $ 120,000 | $ 120,000 | $ 30,000 |
| Champaign County Illinois | 1 | $ 482,000 | $ 482,000 | $ 225,000 |
| LaSalle County Illinois | 1 | $ 160,000 | $ 160,000 | $ 67,000 |
| Madison County Illinois | 1 | $ 228,000 | $ 228,000 | $ 107,000 |
| Warren County Illinois | 1 | $ 59,000 | $ 59,000 | $ 64,000 |
| Baltimore County Maryland | 1 | $ 608,000 | $ 608,000 | $ 224,000 |
| Baltimore City County Maryland | 1 | $ 113,000 | $ 113,000 | $ 0 |
| Montgomery County Maryland | 1 | $ 405,000 | $ 405,000 | $ 95,000 |
| Ingham County Michigan | 1 | $ 136,000 | $ 136,000 | $ 0 |
| Macomb County Michigan | 1 | $ 97,000 | $ 97,000 | $ 38,000 |
| Muskegon County Michigan | 1 | $ 145,000 | $ 145,000 | $ 51,000 |
| Newaygo County Michigan | 1 | $ 80,000 | $ 80,000 | $ 39,000 |
| Van Buren County Michigan | 1 | $ 56,000 | $ 56,000 | $ 9,000 |
| Washtenaw County Michigan | 1 | $ 172,000 | $ 172,000 | $ 150,000 |
| Dakota County Minnesota | 1 | $ 585,000 | $ 585,000 | $ 231,000 |
| Douglas County Minnesota | 1 | $ 150,000 | $ 150,000 | $ 33,000 |
| Isanti County Minnesota | 1 | $ 193,000 | $ 193,000 | $ 0 |
| Todd County Minnesota | 1 | $ 65,000 | $ 65,000 | $ 43,000 |
| Clinton County Missouri | 1 | $ 208,000 | $ 208,000 | $ 57,000 |
| Dallas County Missouri | 1 | $ 223,000 | $ 223,000 | $ 72,000 |
| Jackson County Missouri | 1 | $ 115,000 | $ 115,000 | $ 0 |
| St. Charles County Missouri | 1 | $ 271,000 | $ 271,000 | $ 128,000 |
| Yellowstone County Montana | 1 | $ 170,000 | $ 170,000 | $ 52,000 |
| Bernalillo County New Mexico | 1 | $ 638,000 | $ 638,000 | $ 444,000 |
| Allen County Ohio | 1 | $ 108,000 | $ 108,000 | $ 53,000 |
| Cuyahoga County Ohio | 1 | $ 242,000 | $ 242,000 | $ 76,000 |
| Mahoning County Ohio | 1 | $ 119,000 | $ 119,000 | $ 0 |
| Shelby County Ohio | 1 | $ 238,000 | $ 238,000 | $ 81,000 |
| Clackamas County Oregon | 1 | $ 720,000 | $ 720,000 | $ 0 |
| Clatsop County Oregon | 1 | $ 349,000 | $ 349,000 | $ 110,000 |
| Columbia County Oregon | 1 | $ 167,000 | $ 167,000 | $ 62,000 |
| Lane County Oregon | 1 | $ 141,000 | $ 141,000 | $ 60,000 |
| Lebanon County Pennsylvania | 1 | $ 62,000 | $ 62,000 | $ 26,000 |
| Philadelphia County Pennsylvania | 1 | $ 108,000 | $ 108,000 | $ 108,000 |
| Minnehaha County South Dakota | 1 | $ 250,000 | $ 250,000 | $ 60,000 |
| Bastrop County Texas | 1 | $ 111,000 | $ 111,000 | $ 60,000 |
| Brazoria County Texas | 1 | $ 118,000 | $ 118,000 | $ 38,000 |
| Brazos County Texas | 1 | $ 137,000 | $ 137,000 | $ 53,000 |
| Cameron County Texas | 1 | $ 300,000 | $ 300,000 | $ 102,000 |
| Comal County Texas | 1 | $ 367,000 | $ 367,000 | $ 109,000 |
| Grayson County Texas | 1 | $ 500,000 | $ 500,000 | $ 1,329,000 |
| Maverick County Texas | 1 | $ 327,000 | $ 327,000 | $ 96,000 |
| Midland County Texas | 1 | $ 75,000 | $ 75,000 | $ 29,000 |
| Montague County Texas | 1 | $ 98,000 | $ 98,000 | $ 44,000 |
| Nueces County Texas | 1 | $ 116,000 | $ 116,000 | $ 36,000 |
| Rockwall County Texas | 1 | $ 199,000 | $ 199,000 | $ 120,000 |
| Trinity County Texas | 1 | $ 280,000 | $ 280,000 | $ 90,000 |
| Waller County Texas | 1 | $ 664,000 | $ 664,000 | $ 351,000 |
| Williamson County Texas | 1 | $ 101,000 | $ 101,000 | $ 0 |
| Grand County Utah | 1 | $ 177,000 | $ 177,000 | $ 69,000 |
| Iron County Utah | 1 | $ 483,000 | $ 483,000 | $ 217,000 |
| Tooele County Utah | 1 | $ 192,000 | $ 192,000 | $ 63,000 |
| Uintah County Utah | 1 | $ 220,000 | $ 220,000 | $ 120,000 |
| Caroline County Virginia | 1 | $ 249,000 | $ 249,000 | $ 95,000 |
| Newport News County Virginia | 1 | $ 240,000 | $ 240,000 | $ 79,000 |
| Richmond County Virginia | 1 | $ 112,000 | $ 112,000 | $ 58,000 |
| Richmond City County Virginia | 1 | $ 159,000 | $ 159,000 | $ 0 |
| Spotsylvania County Virginia | 1 | $ 279,000 | $ 279,000 | $ 42,000 |
| Tazewell County Virginia | 1 | $ 110,000 | $ 110,000 | $ 92,000 |
| Spokane County Washington | 1 | $ 246,000 | $ 246,000 | $ 0 |
Mortgage Loan Application Detail Totals for Home Savings Of America in 2007
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 | 3,023 | $1,012,459,000 | $334,000 | $2,040,000 | $135,000 | $1,875,000 |
| Home Purchase | 944 | $312,260,000 | $330,000 | $1,500,000 | $149,000 | $1,461,000 |
| Home Improvement | 250 | $84,081,000 | $336,000 | $1,032,000 | $136,000 | $790,000 |
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 | 1,383 | $452,712,000 | $327,000 | $2,040,000 | $153,000 | $1,875,000 |
| Hispanic | 1,319 | $426,972,000 | $323,000 | $1,000,000 | $113,000 | $832,000 |
| Not Provided | 662 | $241,746,000 | $365,000 | $1,500,000 | $147,000 | $1,320,000 |
| Asian | 477 | $169,409,000 | $355,000 | $1,369,000 | $156,000 | $677,000 |
| Black or African American | 311 | $93,444,000 | $300,000 | $1,000,000 | $125,000 | $1,084,000 |
| Native Hawaiian or Other Pacific Islander | 57 | $21,947,000 | $385,000 | $780,000 | $165,000 | $336,000 |
| American Indian or Alaskan Native | 8 | $2,570,000 | $321,000 | $592,000 | $185,000 | $300,000 |
| 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) | 4,217 | $1,408,800,000 | $334,000 | $2,040,000 | $138,000 | $1,875,000 |
| 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 | 2,280 | $785,529,000 | $344,000 | $1,920,000 | $138,000 | $1,875,000 |
| Loan Originated | 1,104 | $350,645,000 | $317,000 | $1,560,000 | $136,000 | $1,461,000 |
| Application Approved But Not Accepted | 584 | $196,119,000 | $335,000 | $2,040,000 | $140,000 | $1,461,000 |
| Application Withdrawn By Applicant | 167 | $50,571,000 | $302,000 | $1,495,000 | $137,000 | $720,000 |
| File Closed For Incompleteness | 82 | $25,936,000 | $316,000 | $975,000 | $152,000 | $652,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 545 | $188,707,000 | $346,000 | $1,920,000 | $160,000 | $1,875,000 |
| Credit History | 519 | $166,752,000 | $321,000 | $1,330,000 | $128,000 | $832,000 |
| Unverifiable Information | 427 | $157,260,000 | $368,000 | $1,500,000 | $134,000 | $540,000 |
| Debt-To-Income Ratio | 354 | $122,936,000 | $347,000 | $1,463,000 | $129,000 | $522,000 |
| Other | 229 | $76,870,000 | $335,000 | $1,300,000 | $145,000 | $1,300,000 |
| Employment History | 117 | $42,379,000 | $362,000 | $1,157,000 | $139,000 | $429,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 40 | $13,137,000 | $328,000 | $840,000 | $93,000 | $336,000 |
| Credit Application Incomplete | 38 | $14,036,000 | $369,000 | $975,000 | $110,000 | $324,000 |
| Mortgage Insurance Denied | 11 | $3,452,000 | $313,000 | $500,000 | $107,000 | $243,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Home Savings Of America's 2007 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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