Home Savings of America Mortgage Lending & HMDA Data, 2009

In 2009, Home Savings of America of Little Falls, MN reported 21,240 mortgage applications totaling $5.3 billion, up 231% from 2008. The average application was for $249,256, and applicants reported an average income of $75,947. 51% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (1,176), Los Angeles-Long Beach-Glendale, CA (1,143) and Washington-Arlington-Alexandria, DC-VA-MD-WV (891) (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 21,240
Total Mortgage Loan Application Amount $5,294,208,000
Average Mortgage Loan Application Amount $249,256
Highest Mortgage Loan Application Amount $1,350,000
Average Applicant Income $75,947
Highest Applicant Income $2,125,000

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(HMDA) records Home Savings of America filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2009

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 1,143 $ 381,878,000 $ 334,101 $ 105,000
San Diego, California 832 $ 263,958,000 $ 317,257 $ 105,000
Cook, Illinois 797 $ 177,838,000 $ 223,134 $ 78,000
Santa Clara, California 635 $ 239,589,000 $ 377,305 $ 123,000
Maricopa, Arizona 601 $ 101,995,000 $ 169,708 $ 66,000
Orange, California 508 $ 183,867,000 $ 361,942 $ 113,000
Riverside, California 391 $ 84,799,000 $ 216,877 $ 77,000
Ventura, California 381 $ 123,913,000 $ 325,230 $ 97,000
Alameda, California 332 $ 120,427,000 $ 362,731 $ 118,000
Prince George's, Maryland 284 $ 74,547,000 $ 262,489 $ 65,000
San Bernardino, California 275 $ 52,671,000 $ 191,530 $ 70,000
Montgomery, Maryland 194 $ 62,435,000 $ 321,829 $ 98,000
Clark, Nevada 192 $ 40,765,000 $ 212,317 $ 34,000
Fairfax, Virginia 191 $ 65,708,000 $ 344,020 $ 106,000
Baltimore, Maryland 188 $ 44,297,000 $ 235,622 $ 59,000
El Paso, Colorado 173 $ 37,216,000 $ 215,121 $ 49,000
Contra Costa, California 172 $ 56,693,000 $ 329,610 $ 119,000
San Mateo, California 172 $ 71,279,000 $ 414,412 $ 125,000
Providence, Rhode Island 171 $ 30,846,000 $ 180,385 $ 61,000
Baltimore City, Maryland 150 $ 23,959,000 $ 159,726 $ 57,000
Sacramento, California 146 $ 29,421,000 $ 201,513 $ 73,000
San Francisco, California 140 $ 57,642,000 $ 411,728 $ 111,000
DuPage, Illinois 135 $ 33,049,000 $ 244,807 $ 86,000
Anne Arundel, Maryland 118 $ 34,812,000 $ 295,016 $ 77,000
Hennepin, Minnesota 118 $ 24,900,000 $ 211,016 $ 83,000
Lake, Illinois 116 $ 28,047,000 $ 241,784 $ 98,000
Middlesex, Massachusetts 113 $ 34,356,000 $ 304,035 $ 88,000
Middlesex, New Jersey 113 $ 32,620,000 $ 288,672 $ 96,000
Arapahoe, Colorado 112 $ 25,072,000 $ 223,857 $ 73,000
Harris, Texas 106 $ 15,819,000 $ 149,235 $ 52,000
Jefferson, Colorado 105 $ 23,887,000 $ 227,495 $ 72,000
Johnson, Kansas 104 $ 19,820,000 $ 190,576 $ 58,000
Douglas, Colorado 102 $ 27,899,000 $ 273,519 $ 94,000
Gwinnett, Georgia 100 $ 17,023,000 $ 170,230 $ 62,000
District of Columbia, District Of Columbia 97 $ 29,050,000 $ 299,484 $ 83,000
King, Washington 97 $ 29,026,000 $ 299,237 $ 86,000
Philadelphia, Pennsylvania 96 $ 17,284,000 $ 180,041 $ 65,000
Bergen, New Jersey 95 $ 31,888,000 $ 335,663 $ 112,000
Denver, Colorado 94 $ 20,026,000 $ 213,042 $ 86,000
Fairfield, Connecticut 89 $ 27,218,000 $ 305,820 $ 109,000
Will, Illinois 87 $ 19,680,000 $ 226,206 $ 74,000
Fulton, Georgia 86 $ 21,563,000 $ 250,732 $ 99,000
Salt Lake, Utah 85 $ 19,786,000 $ 232,776 $ 68,000
Burlington, New Jersey 84 $ 18,257,000 $ 217,345 $ 81,000
Jackson, Missouri 82 $ 11,497,000 $ 140,207 $ 55,000
Prince William, Virginia 82 $ 21,458,000 $ 261,682 $ 54,000
Kane, Illinois 79 $ 13,095,000 $ 165,759 $ 59,000
Essex, New Jersey 76 $ 25,250,000 $ 332,236 $ 113,000
New Haven, Connecticut 75 $ 15,713,000 $ 209,506 $ 82,000
Suffolk, New York 72 $ 21,737,000 $ 301,902 $ 113,000
San Joaquin, California 70 $ 14,248,000 $ 203,542 $ 71,000
Atlantic, New Jersey 69 $ 15,932,000 $ 230,898 $ 106,000
Nassau, New York 69 $ 24,096,000 $ 349,217 $ 123,000
Adams, Colorado 68 $ 14,464,000 $ 212,705 $ 54,000
Erie, New York 68 $ 9,129,000 $ 134,250 $ 58,000
Monroe, New York 68 $ 8,846,000 $ 130,088 $ 75,000
Westchester, New York 66 $ 23,917,000 $ 362,378 $ 119,000
Pima, Arizona 65 $ 12,809,000 $ 197,061 $ 49,000
Morris, New Jersey 65 $ 19,482,000 $ 299,723 $ 101,000
Chesterfield, Virginia 65 $ 13,875,000 $ 213,461 $ 59,000
Pierce, Washington 63 $ 15,676,000 $ 248,825 $ 43,000
Queens, New York 61 $ 21,230,000 $ 348,032 $ 85,000
Passaic, New Jersey 60 $ 17,528,000 $ 292,133 $ 90,000
Rockland, New York 60 $ 18,974,000 $ 316,233 $ 131,000
New Castle, Delaware 59 $ 12,872,000 $ 218,169 $ 72,000
Cobb, Georgia 59 $ 13,657,000 $ 231,474 $ 86,000
Harford, Maryland 59 $ 14,051,000 $ 238,152 $ 58,000
Anoka, Minnesota 59 $ 11,973,000 $ 202,932 $ 72,000
Loudoun, Virginia 58 $ 19,955,000 $ 344,051 $ 87,000
Bernalillo, New Mexico 57 $ 10,388,000 $ 182,245 $ 34,000
Boulder, Colorado 56 $ 17,852,000 $ 318,785 $ 112,000
Wake, North Carolina 56 $ 11,821,000 $ 211,089 $ 38,000
Camden, New Jersey 55 $ 10,448,000 $ 189,963 $ 65,000
Dutchess, New York 55 $ 13,691,000 $ 248,927 $ 80,000
Henrico, Virginia 54 $ 12,175,000 $ 225,462 $ 87,000
McHenry, Illinois 53 $ 10,891,000 $ 205,490 $ 74,000
Plymouth, Massachusetts 53 $ 13,817,000 $ 260,698 $ 75,000
Mercer, New Jersey 52 $ 13,286,000 $ 255,500 $ 96,000
Sonoma, California 51 $ 16,406,000 $ 321,686 $ 131,000
Ocean, New Jersey 51 $ 13,553,000 $ 265,745 $ 73,000
Saratoga, New York 51 $ 9,773,000 $ 191,627 $ 75,000
Multnomah, Oregon 51 $ 11,070,000 $ 217,058 $ 57,000
York, Pennsylvania 51 $ 10,065,000 $ 197,352 $ 51,000
Essex, Massachusetts 50 $ 14,440,000 $ 288,800 $ 85,000
Worcester, Massachusetts 50 $ 11,493,000 $ 229,860 $ 67,000
Monmouth, New Jersey 50 $ 16,244,000 $ 324,880 $ 90,000
Orange, New York 50 $ 12,484,000 $ 249,680 $ 83,000
DeKalb, Georgia 49 $ 11,578,000 $ 236,285 $ 100,000
Montgomery, Pennsylvania 49 $ 12,555,000 $ 256,224 $ 92,000
Howard, Maryland 48 $ 14,836,000 $ 309,083 $ 88,000
Norfolk, Massachusetts 48 $ 13,883,000 $ 289,229 $ 91,000
Kings, New York 48 $ 18,610,000 $ 387,708 $ 151,000
Davis, Utah 48 $ 10,146,000 $ 211,375 $ 41,000
Pinal, Arizona 47 $ 7,757,000 $ 165,042 $ 33,000
Mecklenburg, North Carolina 47 $ 8,200,000 $ 174,468 $ 29,000
Marin, California 46 $ 18,252,000 $ 396,782 $ 133,000
Hillsborough, Florida 46 $ 7,768,000 $ 168,869 $ 33,000
Kern, California 44 $ 7,643,000 $ 173,704 $ 44,000
Tarrant, Texas 44 $ 8,126,000 $ 184,681 $ 54,000
Utah, Utah 43 $ 10,116,000 $ 235,255 $ 73,000
Delaware, Pennsylvania 42 $ 8,057,000 $ 191,833 $ 52,000
Chester, Pennsylvania 41 $ 9,876,000 $ 240,878 $ 63,000
Bexar, Texas 41 $ 7,217,000 $ 176,024 $ 37,000
Virginia Beach, Virginia 41 $ 9,253,000 $ 225,682 $ 32,000
Solano, California 40 $ 8,317,000 $ 207,925 $ 60,000
Forsyth, Georgia 40 $ 9,716,000 $ 242,900 $ 86,000
Suffolk, Massachusetts 40 $ 11,753,000 $ 293,825 $ 95,000
Dona Ana, New Mexico 40 $ 6,154,000 $ 153,850 $ 44,000
Washington, Rhode Island 39 $ 10,458,000 $ 268,153 $ 105,000
Clark, Washington 39 $ 9,100,000 $ 233,333 $ 58,000
Stanislaus, California 38 $ 6,088,000 $ 160,210 $ 63,000
Charles, Maryland 38 $ 12,003,000 $ 315,868 $ 56,000
Honolulu, Hawaii 37 $ 12,835,000 $ 346,891 $ 39,000
Bucks, Pennsylvania 37 $ 9,713,000 $ 262,513 $ 83,000
Snohomish, Washington 37 $ 11,358,000 $ 306,972 $ 62,000
Hartford, Connecticut 36 $ 8,643,000 $ 240,083 $ 65,000
Larimer, Colorado 35 $ 6,875,000 $ 196,428 $ 69,000
Dakota, Minnesota 35 $ 7,747,000 $ 221,342 $ 78,000
Clay, Missouri 35 $ 6,433,000 $ 183,800 $ 66,000
Hudson, New Jersey 35 $ 10,850,000 $ 310,000 $ 88,000
Dallas, Texas 35 $ 6,936,000 $ 198,171 $ 67,000
El Paso, Texas 35 $ 5,565,000 $ 159,000 $ 60,000
Calvert, Maryland 34 $ 10,283,000 $ 302,441 $ 94,000
Ada, Idaho 33 $ 6,615,000 $ 200,454 $ 49,000
Hillsborough, New Hampshire 33 $ 7,519,000 $ 227,848 $ 65,000
Kent, Rhode Island 33 $ 6,785,000 $ 205,606 $ 78,000
Bristol, Massachusetts 32 $ 7,700,000 $ 240,625 $ 52,000
Onondaga, New York 32 $ 5,356,000 $ 167,375 $ 79,000
Santa Barbara, California 31 $ 10,848,000 $ 349,935 $ 101,000
Weld, Colorado 31 $ 6,698,000 $ 216,064 $ 67,000
Kent, Delaware 31 $ 6,636,000 $ 214,064 $ 35,000
Gloucester, New Jersey 31 $ 6,021,000 $ 194,225 $ 71,000
Putnam, New York 31 $ 7,595,000 $ 245,000 $ 81,000
Weber, Utah 31 $ 5,907,000 $ 190,548 $ 43,000
Pasco, Florida 30 $ 4,990,000 $ 166,333 $ 36,000
Bronx, New York 30 $ 10,815,000 $ 360,500 $ 93,000
Union, New Jersey 29 $ 8,629,000 $ 297,551 $ 84,000
Richmond, New York 29 $ 9,637,000 $ 332,310 $ 100,000
Cherokee, Georgia 28 $ 6,084,000 $ 217,285 $ 91,000
Lake, Indiana 28 $ 5,010,000 $ 178,928 $ 56,000
Clackamas, Oregon 28 $ 8,061,000 $ 287,892 $ 68,000
Collin, Texas 28 $ 6,087,000 $ 217,392 $ 40,000
Monterey, California 27 $ 7,715,000 $ 285,740 $ 91,000
St. Louis, Missouri 27 $ 4,832,000 $ 178,962 $ 56,000
Somerset, New Jersey 27 $ 8,891,000 $ 329,296 $ 134,000
Allegheny, Pennsylvania 27 $ 3,951,000 $ 146,333 $ 44,000
Fort Bend, Texas 27 $ 5,903,000 $ 218,629 $ 73,000
Carroll, Maryland 26 $ 7,842,000 $ 301,615 $ 81,000
Frederick, Maryland 26 $ 7,097,000 $ 272,961 $ 76,000
Duval, Florida 25 $ 5,506,000 $ 220,240 $ 12,000
Livingston, Louisiana 25 $ 3,654,000 $ 146,160 $ 63,000
Missoula, Montana 25 $ 4,917,000 $ 196,680 $ 50,000
Clinton, New York 25 $ 3,411,000 $ 136,440 $ 67,000
Onslow, North Carolina 25 $ 4,021,000 $ 160,840 $ 5,000
Lancaster, Pennsylvania 25 $ 4,236,000 $ 169,440 $ 49,000
Mesa, Colorado 24 $ 5,390,000 $ 224,583 $ 51,000
Sussex, Delaware 24 $ 5,108,000 $ 212,833 $ 62,000
Pinellas, Florida 24 $ 4,050,000 $ 168,750 $ 49,000
St. Clair, Illinois 24 $ 4,686,000 $ 195,250 $ 7,000
Wayne, Michigan 24 $ 3,313,000 $ 138,041 $ 61,000
Ramsey, Minnesota 24 $ 4,593,000 $ 191,375 $ 68,000
Cuyahoga, Ohio 24 $ 3,970,000 $ 165,416 $ 73,000
Fresno, California 23 $ 5,402,000 $ 234,869 $ 45,000
Pueblo, Colorado 23 $ 3,756,000 $ 163,304 $ 54,000
Orange, Florida 23 $ 5,325,000 $ 231,521 $ 61,000
Jefferson, Louisiana 23 $ 3,562,000 $ 154,869 $ 45,000
Tulsa, Oklahoma 23 $ 4,268,000 $ 185,565 $ 39,000
Shelby, Tennessee 23 $ 3,779,000 $ 164,304 $ 54,000
Travis, Texas 23 $ 6,108,000 $ 265,565 $ 78,000
Arlington, Virginia 23 $ 7,140,000 $ 310,434 $ 90,000
Chesapeake, Virginia 23 $ 5,455,000 $ 237,173 $ 44,000
Mohave, Arizona 22 $ 4,035,000 $ 183,409 $ 66,000
Henry, Georgia 22 $ 5,059,000 $ 229,954 $ 41,000
Sedgwick, Kansas 22 $ 3,333,000 $ 151,500 $ 18,000
East Baton Rouge, Louisiana 22 $ 3,860,000 $ 175,454 $ 43,000
Albany, New York 22 $ 3,830,000 $ 174,090 $ 66,000
Cumberland, North Carolina 22 $ 4,498,000 $ 204,454 $ 5,000
Placer, California 21 $ 6,669,000 $ 317,571 $ 86,000
Washoe, Nevada 21 $ 3,973,000 $ 189,190 $ 79,000
Rockingham, New Hampshire 21 $ 5,434,000 $ 258,761 $ 96,000
Niagara, New York 21 $ 3,198,000 $ 152,285 $ 72,000
Washington, Oregon 21 $ 5,231,000 $ 249,095 $ 60,000
Montgomery, Texas 21 $ 4,604,000 $ 219,238 $ 149,000
Richmond City, Virginia 21 $ 3,320,000 $ 158,095 $ 49,000
Stafford, Virginia 21 $ 5,874,000 $ 279,714 $ 34,000
Thurston, Washington 21 $ 5,123,000 $ 243,952 $ 57,000
Wyandotte, Kansas 20 $ 2,555,000 $ 127,750 $ 34,000
Orleans, Louisiana 20 $ 3,150,000 $ 157,500 $ 53,000
St. Mary's, Maryland 20 $ 5,713,000 $ 285,650 $ 72,000
Sherburne, Minnesota 20 $ 3,887,000 $ 194,350 $ 57,000
Platte, Missouri 20 $ 3,823,000 $ 191,150 $ 93,000
Broome, New York 20 $ 3,113,000 $ 155,650 $ 66,000
Berks, Pennsylvania 20 $ 3,627,000 $ 181,350 $ 45,000
Anchorage, Alaska 19 $ 5,569,000 $ 293,105 $ 14,000
San Luis Obispo, California 19 $ 7,033,000 $ 370,157 $ 86,000
Hampden, Massachusetts 19 $ 4,564,000 $ 240,210 $ 70,000
Sussex, New Jersey 19 $ 5,238,000 $ 275,684 $ 99,000
Davidson, Tennessee 19 $ 3,056,000 $ 160,842 $ 25,000
Alexandria, Virginia 19 $ 6,042,000 $ 318,000 $ 103,000
Newport News, Virginia 19 $ 3,937,000 $ 207,210 $ 24,000
El Dorado, California 18 $ 5,818,000 $ 323,222 $ 108,000
Cape May, New Jersey 18 $ 4,298,000 $ 238,777 $ 134,000
Schenectady, New York 18 $ 3,075,000 $ 170,833 $ 63,000
Cabarrus, North Carolina 18 $ 3,839,000 $ 213,277 $ 30,000
Guilford, North Carolina 18 $ 2,800,000 $ 155,555 $ 7,000
Summit, Ohio 18 $ 2,768,000 $ 153,777 $ 56,000
Marion, Oregon 18 $ 3,404,000 $ 189,111 $ 30,000
Norfolk, Virginia 18 $ 2,971,000 $ 165,055 $ 53,000
Milwaukee, Wisconsin 18 $ 3,039,000 $ 168,833 $ 63,000
Kings, California 17 $ 3,747,000 $ 220,411 $ 33,000
New London, Connecticut 17 $ 3,928,000 $ 231,058 $ 48,000
Kendall, Illinois 17 $ 3,589,000 $ 211,117 $ 64,000
York, Maine 17 $ 3,682,000 $ 216,588 $ 57,000
Cumberland, New Jersey 17 $ 2,706,000 $ 159,176 $ 47,000
Wayne, New York 17 $ 2,120,000 $ 124,705 $ 60,000
Lake, Ohio 17 $ 2,971,000 $ 174,764 $ 57,000
Adams, Pennsylvania 17 $ 3,791,000 $ 223,000 $ 64,000
Park, Wyoming 17 $ 2,735,000 $ 160,882 $ 48,000
Jefferson, Alabama 16 $ 2,386,000 $ 149,125 $ 23,000
Merced, California 16 $ 2,090,000 $ 130,625 $ 46,000
Middlesex, Connecticut 16 $ 4,558,000 $ 284,875 $ 52,000
Cecil, Maryland 16 $ 4,277,000 $ 267,312 $ 60,000
Washington, Minnesota 16 $ 3,971,000 $ 248,187 $ 65,000
Union, North Carolina 16 $ 3,301,000 $ 206,312 $ 58,000
Lane, Oregon 16 $ 2,882,000 $ 180,125 $ 24,000
Greenville, South Carolina 16 $ 1,976,000 $ 123,500 $ 46,000
Routt, Colorado 15 $ 4,093,000 $ 272,866 $ 116,000
Brevard, Florida 15 $ 3,249,000 $ 216,600 $ 16,000
Clayton, Georgia 15 $ 1,367,000 $ 91,133 $ 24,000
Coweta, Georgia 15 $ 3,056,000 $ 203,733 $ 62,000
Ascension, Louisiana 15 $ 3,000,000 $ 200,000 $ 49,000
Barnstable, Massachusetts 15 $ 4,101,000 $ 273,400 $ 70,000
Wright, Minnesota 15 $ 3,836,000 $ 255,733 $ 96,000
Rensselaer, New York 15 $ 2,254,000 $ 150,266 $ 57,000
Northampton, Pennsylvania 15 $ 2,652,000 $ 176,800 $ 42,000
Richland, South Carolina 15 $ 2,863,000 $ 190,866 $ 12,000
Spotsylvania, Virginia 15 $ 3,423,000 $ 228,200 $ 51,000
Berkeley, West Virginia 15 $ 3,404,000 $ 226,933 $ 25,000
Cochise, Arizona 14 $ 2,895,000 $ 206,785 $ 15,000
Yavapai, Arizona 14 $ 3,035,000 $ 216,785 $ 43,000
Tulare, California 14 $ 3,390,000 $ 242,142 $ 80,000
St. Lucie, Florida 14 $ 1,862,000 $ 133,000 $ 53,000
Douglas, Georgia 14 $ 3,440,000 $ 245,714 $ 60,000
Hall, Georgia 14 $ 3,235,000 $ 231,071 $ 87,000
St. Tammany, Louisiana 14 $ 2,852,000 $ 203,714 $ 54,000
Kent, Michigan 14 $ 2,019,000 $ 144,214 $ 62,000
Cass, Missouri 14 $ 2,294,000 $ 163,857 $ 34,000
Washington, New York 14 $ 2,012,000 $ 143,714 $ 40,000
Dauphin, Pennsylvania 14 $ 2,517,000 $ 179,785 $ 58,000
Franklin, Pennsylvania 14 $ 2,817,000 $ 201,214 $ 15,000
Washington, Pennsylvania 14 $ 3,196,000 $ 228,285 $ 108,000
Madison, Alabama 13 $ 1,925,000 $ 148,076 $ 64,000
Yuma, Arizona 13 $ 2,532,000 $ 194,769 $ 108,000
Pulaski, Arkansas 13 $ 2,714,000 $ 208,769 $ 7,000
Eagle, Colorado 13 $ 3,974,000 $ 305,692 $ 71,000
Paulding, Georgia 13 $ 2,193,000 $ 168,692 $ 45,000
Champaign, Illinois 13 $ 1,549,000 $ 119,153 $ 51,000
Madison, Illinois 13 $ 1,636,000 $ 125,846 $ 32,000
Winnebago, Illinois 13 $ 2,183,000 $ 167,923 $ 16,000
Allen, Indiana 13 $ 1,394,000 $ 107,230 $ 43,000
Macomb, Michigan 13 $ 2,144,000 $ 164,923 $ 27,000
Oakland, Michigan 13 $ 2,619,000 $ 201,461 $ 52,000
Ulster, New York 13 $ 2,140,000 $ 164,615 $ 60,000
Forsyth, North Carolina 13 $ 1,518,000 $ 116,769 $ 15,000
Iredell, North Carolina 13 $ 2,773,000 $ 213,307 $ 35,000
Bell, Texas 13 $ 2,329,000 $ 179,153 $ 9,000
Denton, Texas 13 $ 2,856,000 $ 219,692 $ 67,000
Cache, Utah 13 $ 2,618,000 $ 201,384 $ 47,000
Kitsap, Washington 13 $ 3,495,000 $ 268,846 $ 29,000
Santa Cruz, California 12 $ 4,664,000 $ 388,666 $ 142,000
Clay, Florida 12 $ 2,477,000 $ 206,416 $ 8,000
Kootenai, Idaho 12 $ 2,741,000 $ 228,416 $ 23,000
Shawnee, Kansas 12 $ 1,872,000 $ 156,000 $ 42,000
Scott, Minnesota 12 $ 3,233,000 $ 269,416 $ 99,000
Sandoval, New Mexico 12 $ 2,133,000 $ 177,750 $ 44,000
New York, New York 12 $ 6,284,000 $ 523,666 $ 314,000
Ontario, New York 12 $ 1,964,000 $ 163,666 $ 63,000
Lehigh, Pennsylvania 12 $ 2,534,000 $ 211,166 $ 36,000
Montgomery, Tennessee 12 $ 2,018,000 $ 168,166 $ 0
Williamson, Texas 12 $ 2,182,000 $ 181,833 $ 78,000
Hampton, Virginia 12 $ 2,350,000 $ 195,833 $ 52,000
Portsmouth, Virginia 12 $ 2,042,000 $ 170,166 $ 37,000
Spokane, Washington 12 $ 2,385,000 $ 198,750 $ 53,000
Waukesha, Wisconsin 12 $ 3,394,000 $ 282,833 $ 52,000
Mobile, Alabama 11 $ 1,750,000 $ 159,090 $ 39,000
Nevada, California 11 $ 3,360,000 $ 305,454 $ 137,000
Okaloosa, Florida 11 $ 2,362,000 $ 214,727 $ 14,000
Seminole, Florida 11 $ 2,325,000 $ 211,363 $ 70,000
Volusia, Florida 11 $ 2,096,000 $ 190,545 $ 32,000
Chatham, Georgia 11 $ 2,082,000 $ 189,272 $ 29,000
Fayette, Georgia 11 $ 2,398,000 $ 218,000 $ 76,000
Porter, Indiana 11 $ 2,185,000 $ 198,636 $ 47,000
Jefferson, New York 11 $ 2,168,000 $ 197,090 $ 10,000
Oswego, New York 11 $ 1,316,000 $ 119,636 $ 47,000
Oklahoma, Oklahoma 11 $ 2,213,000 $ 201,181 $ 44,000
Rutherford, Tennessee 11 $ 1,823,000 $ 165,727 $ 27,000
Brazoria, Texas 11 $ 1,857,000 $ 168,818 $ 48,000
Montgomery, Alabama 10 $ 1,735,000 $ 173,500 $ 27,000
Shelby, Alabama 10 $ 2,595,000 $ 259,500 $ 44,000
Litchfield, Connecticut 10 $ 2,221,000 $ 222,100 $ 62,000
Broward, Florida 10 $ 2,231,000 $ 223,100 $ 52,000
Polk, Florida 10 $ 1,742,000 $ 174,200 $ 58,000
Sarasota, Florida 10 $ 2,634,000 $ 263,400 $ 74,000
Muscogee, Georgia 10 $ 2,472,000 $ 247,200 $ 30,000
Sangamon, Illinois 10 $ 1,511,000 $ 151,100 $ 27,000
Franklin, Kansas 10 $ 1,214,000 $ 121,400 $ 26,000
Hinds, Mississippi 10 $ 1,512,000 $ 151,200 $ 74,000
Jackson, Mississippi 10 $ 1,669,000 $ 166,900 $ 31,000
St. Charles, Missouri 10 $ 2,023,000 $ 202,300 $ 73,000
Sullivan, New York 10 $ 1,596,000 $ 159,600 $ 55,000
Gaston, North Carolina 10 $ 1,726,000 $ 172,600 $ 47,000
Franklin, Ohio 10 $ 1,412,000 $ 141,200 $ 11,000
Coos, Oregon 10 $ 1,850,000 $ 185,000 $ 44,000
Butler, Pennsylvania 10 $ 2,205,000 $ 220,500 $ 51,000
Cumberland, Pennsylvania 10 $ 1,809,000 $ 180,900 $ 35,000
Monroe, Pennsylvania 10 $ 1,870,000 $ 187,000 $ 52,000
Bristol, Rhode Island 10 $ 2,779,000 $ 277,900 $ 102,000
Knox, Tennessee 10 $ 2,002,000 $ 200,200 $ 60,000
Washington, Utah 10 $ 2,458,000 $ 245,800 $ 81,000
Hanover, Virginia 10 $ 2,574,000 $ 257,400 $ 71,000
Whatcom, Washington 10 $ 2,384,000 $ 238,400 $ 68,000
Mendocino, California 9 $ 2,195,000 $ 243,888 $ 136,000
Yolo, California 9 $ 3,304,000 $ 367,111 $ 121,000
Escambia, Florida 9 $ 1,717,000 $ 190,777 $ 31,000
St. Johns, Florida 9 $ 2,327,000 $ 258,555 $ 55,000
Liberty, Georgia 9 $ 1,370,000 $ 152,222 $ 6,000
Bossier, Louisiana 9 $ 1,395,000 $ 155,000 $ 10,000
Washington, Maryland 9 $ 2,051,000 $ 227,888 $ 66,000
St. Louis, Minnesota 9 $ 1,636,000 $ 181,777 $ 78,000
Harrison, Mississippi 9 $ 1,805,000 $ 200,555 $ 0
Sarpy, Nebraska 9 $ 1,843,000 $ 204,777 $ 5,000
Luzerne, Pennsylvania 9 $ 1,450,000 $ 161,111 $ 61,000
Westmoreland, Pennsylvania 9 $ 1,790,000 $ 198,888 $ 25,000
Horry, South Carolina 9 $ 1,667,000 $ 185,222 $ 138,000
York, South Carolina 9 $ 2,248,000 $ 249,777 $ 30,000
Sanpete, Utah 9 $ 1,568,000 $ 174,222 $ 66,000
Fauquier, Virginia 9 $ 3,234,000 $ 359,333 $ 78,000
Russell, Alabama 8 $ 1,644,000 $ 205,500 $ 0
Napa, California 8 $ 2,404,000 $ 300,500 $ 326,000
Summit, Colorado 8 $ 2,806,000 $ 350,750 $ 157,000
Osceola, Florida 8 $ 1,517,000 $ 189,625 $ 26,000
Santa Rosa, Florida 8 $ 1,973,000 $ 246,625 $ 7,000
Houston, Georgia 8 $ 1,599,000 $ 199,875 $ 18,000
Canyon, Idaho 8 $ 1,247,000 $ 155,875 $ 23,000
Geary, Kansas 8 $ 1,439,000 $ 179,875 $ 0
Leavenworth, Kansas 8 $ 1,216,000 $ 152,000 $ 28,000
Jefferson, Kentucky 8 $ 2,387,000 $ 298,375 $ 61,000
Cumberland, Maine 8 $ 2,058,000 $ 257,250 $ 79,000
Chisago, Minnesota 8 $ 1,803,000 $ 225,375 $ 66,000
Madison, Mississippi 8 $ 1,442,000 $ 180,250 $ 60,000
Rankin, Mississippi 8 $ 1,405,000 $ 175,625 $ 40,000
Greene, Missouri 8 $ 941,000 $ 117,625 $ 48,000
Yellowstone, Montana 8 $ 1,454,000 $ 181,750 $ 42,000
Lyon, Nevada 8 $ 1,556,000 $ 194,500 $ 12,000
Warren, New York 8 $ 2,010,000 $ 251,250 $ 148,000
Custer, Oklahoma 8 $ 1,204,000 $ 150,500 $ 74,000
Klamath, Oregon 8 $ 1,351,000 $ 168,875 $ 42,000
Sumner, Tennessee 8 $ 1,433,000 $ 179,125 $ 40,000
Williamson, Tennessee 8 $ 1,972,000 $ 246,500 $ 82,000
Prince George, Virginia 8 $ 1,510,000 $ 188,750 $ 52,000
Baldwin, Alabama 7 $ 1,535,000 $ 219,285 $ 118,000
Fairbanks North Star, Alaska 7 $ 1,729,000 $ 247,000 $ 0
Benton, Arkansas 7 $ 1,360,000 $ 194,285 $ 20,000
Butte, California 7 $ 1,710,000 $ 244,285 $ 27,000
San Benito, California 7 $ 2,186,000 $ 312,285 $ 130,000
Archuleta, Colorado 7 $ 1,464,000 $ 209,142 $ 78,000
Broomfield, Colorado 7 $ 1,605,000 $ 229,285 $ 75,000
Clear Creek, Colorado 7 $ 1,587,000 $ 226,714 $ 176,000
Garfield, Colorado 7 $ 2,022,000 $ 288,857 $ 49,000
Bay, Florida 7 $ 1,558,000 $ 222,571 $ 7,000
Columbia, Georgia 7 $ 1,466,000 $ 209,428 $ 17,000
Hart, Georgia 7 $ 908,000 $ 129,714 $ 47,000
Rockdale, Georgia 7 $ 1,287,000 $ 183,857 $ 77,000
DeKalb, Illinois 7 $ 1,534,000 $ 219,142 $ 29,000
Marion, Indiana 7 $ 1,073,000 $ 153,285 $ 26,000
Caddo, Louisiana 7 $ 1,067,000 $ 152,428 $ 33,000
Lafayette, Louisiana 7 $ 1,604,000 $ 229,142 $ 68,000
Tangipahoa, Louisiana 7 $ 940,000 $ 134,285 $ 68,000
Kent, Maryland 7 $ 1,075,000 $ 153,571 $ 87,000
Wicomico, Maryland 7 $ 1,347,000 $ 192,428 $ 38,000
Carver, Minnesota 7 $ 1,759,000 $ 251,285 $ 119,000
DeSoto, Mississippi 7 $ 1,054,000 $ 150,571 $ 22,000
Douglas, Nevada 7 $ 2,137,000 $ 305,285 $ 72,000
Belknap, New Hampshire 7 $ 1,378,000 $ 196,857 $ 47,000
Hunterdon, New Jersey 7 $ 2,407,000 $ 343,857 $ 76,000
Brunswick, North Carolina 7 $ 1,370,000 $ 195,714 $ 45,000
Durham, North Carolina 7 $ 1,346,000 $ 192,285 $ 6,000
Hamilton, Ohio 7 $ 916,000 $ 130,857 $ 29,000
Lawrence, Pennsylvania 7 $ 896,000 $ 128,000 $ 45,000
Anderson, South Carolina 7 $ 1,015,000 $ 145,000 $ 45,000
Galveston, Texas 7 $ 1,254,000 $ 179,142 $ 38,000
Guadalupe, Texas 7 $ 1,368,000 $ 195,428 $ 7,000
Suffolk, Virginia 7 $ 1,493,000 $ 213,285 $ 20,000
York, Virginia 7 $ 2,283,000 $ 326,142 $ 84,000
Fremont, Wyoming 7 $ 1,198,000 $ 171,142 $ 56,000
Sweetwater, Wyoming 7 $ 1,537,000 $ 219,571 $ 0
Lee, Alabama 6 $ 1,000,000 $ 166,666 $ 6,000
Morgan, Alabama 6 $ 965,000 $ 160,833 $ 29,000
Tuscaloosa, Alabama 6 $ 952,000 $ 158,666 $ 36,000
Navajo, Arizona 6 $ 1,138,000 $ 189,666 $ 56,000
Amador, California 6 $ 1,991,000 $ 331,833 $ 102,000
Delta, Colorado 6 $ 1,164,000 $ 194,000 $ 63,000
Lake, Florida 6 $ 1,569,000 $ 261,500 $ 21,000
Lee, Florida 6 $ 1,121,000 $ 186,833 $ 35,000
Leon, Florida 6 $ 1,302,000 $ 217,000 $ 78,000
Palm Beach, Florida 6 $ 1,354,000 $ 225,666 $ 131,000
Lowndes, Georgia 6 $ 1,120,000 $ 186,666 $ 9,000
Hawaii, Hawaii 6 $ 2,262,000 $ 377,000 $ 84,000
Kankakee, Illinois 6 $ 1,106,000 $ 184,333 $ 52,000
McLean, Illinois 6 $ 1,097,000 $ 182,833 $ 42,000
Douglas, Kansas 6 $ 708,000 $ 118,000 $ 48,000
Riley, Kansas 6 $ 954,000 $ 159,000 $ 17,000
Worcester, Maryland 6 $ 1,010,000 $ 168,333 $ 88,000
Morrison, Minnesota 6 $ 726,000 $ 121,000 $ 133,000
Lowndes, Mississippi 6 $ 915,000 $ 152,500 $ 23,000
Jefferson, Missouri 6 $ 914,000 $ 152,333 $ 38,000
Park, Montana 6 $ 1,304,000 $ 217,333 $ 45,000
Ravalli, Montana 6 $ 1,452,000 $ 242,000 $ 53,000
Douglas, Nebraska 6 $ 923,000 $ 153,833 $ 35,000
Merrimack, New Hampshire 6 $ 1,537,000 $ 256,166 $ 98,000
Otero, New Mexico 6 $ 1,167,000 $ 194,500 $ 28,000
San Juan, New Mexico 6 $ 1,518,000 $ 253,000 $ 29,000
Cayuga, New York 6 $ 914,000 $ 152,333 $ 62,000
Genesee, New York 6 $ 866,000 $ 144,333 $ 55,000
Alamance, North Carolina 6 $ 953,000 $ 158,833 $ 5,000
Craven, North Carolina 6 $ 1,145,000 $ 190,833 $ 11,000
Henderson, North Carolina 6 $ 1,207,000 $ 201,166 $ 27,000
Johnston, North Carolina 6 $ 1,068,000 $ 178,000 $ 11,000
New Hanover, North Carolina 6 $ 1,049,000 $ 174,833 $ 21,000
Butler, Ohio 6 $ 1,081,000 $ 180,166 $ 21,000
Greene, Ohio 6 $ 1,064,000 $ 177,333 $ 17,000
Lorain, Ohio 6 $ 1,170,000 $ 195,000 $ 81,000
Comanche, Oklahoma 6 $ 1,443,000 $ 240,500 $ 26,000
Deschutes, Oregon 6 $ 1,639,000 $ 273,166 $ 54,000
Douglas, Oregon 6 $ 1,050,000 $ 175,000 $ 27,000
Linn, Oregon 6 $ 1,349,000 $ 224,833 $ 27,000
Berkeley, South Carolina 6 $ 1,044,000 $ 174,000 $ 11,000
Dorchester, South Carolina 6 $ 1,310,000 $ 218,333 $ 0
Pickens, South Carolina 6 $ 1,324,000 $ 220,666 $ 72,000
Hamilton, Tennessee 6 $ 1,124,000 $ 187,333 $ 47,000
Jefferson, Texas 6 $ 978,000 $ 163,000 $ 79,000
Nueces, Texas 6 $ 970,000 $ 161,666 $ 26,000
Rockwall, Texas 6 $ 1,169,000 $ 194,833 $ 87,000
Chittenden, Vermont 6 $ 1,252,000 $ 208,666 $ 38,000
Windham, Vermont 6 $ 1,068,000 $ 178,000 $ 44,000
Albemarle, Virginia 6 $ 1,513,000 $ 252,166 $ 51,000
Caroline, Virginia 6 $ 1,537,000 $ 256,166 $ 15,000
James City, Virginia 6 $ 1,470,000 $ 245,000 $ 86,000
Manassas, Virginia 6 $ 889,000 $ 148,166 $ 36,000
Roanoke, Virginia 6 $ 1,292,000 $ 215,333 $ 24,000
Roanoke City, Virginia 6 $ 794,000 $ 132,333 $ 28,000
Benton, Washington 6 $ 1,318,000 $ 219,666 $ 9,000
Island, Washington 6 $ 1,539,000 $ 256,500 $ 38,000
Skagit, Washington 6 $ 1,213,000 $ 202,166 $ 34,000
Yakima, Washington 6 $ 1,141,000 $ 190,166 $ 13,000
Dane, Wisconsin 6 $ 1,543,000 $ 257,166 $ 13,000
Matanuska-Susitna, Alaska 5 $ 1,435,000 $ 287,000 $ 83,000
Coconino, Arizona 5 $ 1,313,000 $ 262,600 $ 70,000
Jefferson, Arkansas 5 $ 1,026,000 $ 205,200 $ 31,000
Lonoke, Arkansas 5 $ 999,000 $ 199,800 $ 36,000
Madera, California 5 $ 1,224,000 $ 244,800 $ 78,000
Sutter, California 5 $ 672,000 $ 134,400 $ 34,000
Yuba, California 5 $ 1,015,000 $ 203,000 $ 0
Montrose, Colorado 5 $ 929,000 $ 185,800 $ 30,000
Flagler, Florida 5 $ 1,395,000 $ 279,000 $ 135,000
Miami-Dade, Florida 5 $ 1,115,000 $ 223,000 $ 48,000
Bibb, Georgia 5 $ 488,000 $ 97,600 $ 93,000
Carroll, Georgia 5 $ 906,000 $ 181,200 $ 35,000
Richmond, Georgia 5 $ 688,000 $ 137,600 $ 28,000
Anderson, Kansas 5 $ 597,000 $ 119,400 $ 49,000
Miami, Kansas 5 $ 830,000 $ 166,000 $ 37,000
Hardin, Kentucky 5 $ 1,374,000 $ 274,800 $ 0
Allegany, Maryland 5 $ 566,000 $ 113,200 $ 40,000
Berrien, Michigan 5 $ 595,000 $ 119,000 $ 21,000
Eaton, Michigan 5 $ 915,000 $ 183,000 $ 44,000
Crow Wing, Minnesota 5 $ 1,691,000 $ 338,200 $ 126,000
Itasca, Minnesota 5 $ 598,000 $ 119,600 $ 57,000
Franklin, Missouri 5 $ 636,000 $ 127,200 $ 49,000
St. Louis City, Missouri 5 $ 680,000 $ 136,000 $ 8,000
Broadwater, Montana 5 $ 1,317,000 $ 263,400 $ 61,000
Gallatin, Montana 5 $ 1,143,000 $ 228,600 $ 91,000
Lancaster, Nebraska 5 $ 800,000 $ 160,000 $ 12,000
Lincoln, Nebraska 5 $ 802,000 $ 160,400 $ 31,000
Carroll, New Hampshire 5 $ 1,323,000 $ 264,600 $ 139,000
Cheshire, New Hampshire 5 $ 857,000 $ 171,400 $ 65,000
Strafford, New Hampshire 5 $ 1,383,000 $ 276,600 $ 68,000
Curry, New Mexico 5 $ 984,000 $ 196,800 $ 52,000
Chautauqua, New York 5 $ 531,000 $ 106,200 $ 73,000
Chemung, New York 5 $ 618,000 $ 123,600 $ 74,000
Essex, New York 5 $ 650,000 $ 130,000 $ 45,000
Tioga, New York 5 $ 509,000 $ 101,800 $ 76,000
Wyoming, New York 5 $ 607,000 $ 121,400 $ 51,000
Davidson, North Carolina 5 $ 1,021,000 $ 204,200 $ 119,000
Hoke, North Carolina 5 $ 1,104,000 $ 220,800 $ 17,000
Randolph, North Carolina 5 $ 757,000 $ 151,400 $ 0
Rowan, North Carolina 5 $ 734,000 $ 146,800 $ 19,000
Medina, Ohio 5 $ 841,000 $ 168,200 $ 25,000
Jackson, Oregon 5 $ 1,152,000 $ 230,400 $ 14,000
Josephine, Oregon 5 $ 1,034,000 $ 206,800 $ 32,000
Yamhill, Oregon 5 $ 1,134,000 $ 226,800 $ 58,000
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Mortgage Loan Application Detail Totals for Home Savings of America 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
Refinancing 14,240 $3,666,695,000 $257,000 $1,000,000 $72,000 $1,992,000
Home Purchase 6,971 $1,621,202,000 $232,000 $1,350,000 $84,000 $2,125,000
Home Improvement 29 $6,311,000 $217,000 $411,000 $79,000 $174,000

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 12,384 $3,089,583,000 $249,000 $1,125,000 $81,000 $2,125,000
Not Provided 2,358 $596,271,000 $252,000 $1,000,000 $63,000 $1,066,000
Hispanic 2,334 $489,917,000 $209,000 $746,000 $61,000 $1,031,000
Asian 2,087 $669,048,000 $320,000 $1,350,000 $104,000 $1,320,000
Black or African American 1,921 $407,003,000 $211,000 $742,000 $48,000 $579,000
Native Hawaiian or Other Pacific Islander 98 $28,000,000 $285,000 $1,000,000 $90,000 $782,000
American Indian or Alaskan Native 58 $14,386,000 $248,000 $699,000 $66,000 $221,000
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) 10,883 $3,000,620,000 $275,000 $1,350,000 $107,000 $2,125,000
FHA-insured (Federal Housing Administration) 6,875 $1,496,233,000 $217,000 $746,000 $57,000 $692,000
VA-guaranteed (Veterans Administration) 3,481 $797,258,000 $229,000 $813,000 $14,000 $1,066,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 1 $97,000 $97,000 $97,000 $24,000 $24,000

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 10,776 $2,631,213,000 $244,000 $1,128,000 $69,000 $2,125,000
Application Denied By Financial Institution 4,790 $1,162,109,000 $242,000 $1,350,000 $80,000 $1,612,000
Application Approved But Not Accepted 4,413 $1,173,624,000 $265,000 $1,000,000 $84,000 $1,992,000
Application Withdrawn By Applicant 842 $216,683,000 $257,000 $817,000 $85,000 $782,000
File Closed For Incompleteness 419 $110,579,000 $263,000 $1,000,000 $85,000 $500,000
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
Debt-To-Income Ratio 1,087 $286,512,000 $263,000 $1,000,000 $72,000 $1,612,000
Collateral 942 $229,195,000 $243,000 $732,000 $96,000 $1,216,000
Credit Application Incomplete 788 $197,804,000 $251,000 $813,000 $81,000 $1,031,000
Other 749 $177,665,000 $237,000 $1,350,000 $85,000 $973,000
Credit History 547 $112,285,000 $205,000 $653,000 $57,000 $960,000
Unverifiable Information 411 $98,161,000 $238,000 $720,000 $84,000 $1,000,000
Mortgage Insurance Denied 114 $27,865,000 $244,000 $598,000 $90,000 $342,000
Employment History 88 $17,649,000 $200,000 $552,000 $62,000 $232,000
Insufficient Cash (Downpayment, Closing Cost) 64 $14,973,000 $233,000 $718,000 $87,000 $308,000

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