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(HMDA) records Home Savings of America filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 697 | $ 232,448,000 | $ 333,497 | $ 112,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 650 | $ 188,447,000 | $ 289,918 | $ 93,912 |
| New York-White Plains-Wayne, NY-NJ | 636 | $ 217,123,000 | $ 341,388 | $ 112,660 |
| Phoenix-Mesa-Glendale, AZ | 599 | $ 98,276,000 | $ 164,066 | $ 66,000 |
| San Diego-Carlsbad-San Marcos, CA | 584 | $ 181,803,000 | $ 311,306 | $ 104,000 |
| Chicago-Joliet-Naperville, IL | 466 | $ 98,140,000 | $ 210,600 | $ 73,000 |
| Baltimore-Towson, MD | 457 | $ 109,771,000 | $ 240,199 | $ 86,000 |
| Riverside-San Bernardino-Ontario, CA | 453 | $ 98,870,000 | $ 218,256 | $ 82,000 |
| Santa Ana-Anaheim-Irvine, CA | 343 | $ 123,795,000 | $ 360,918 | $ 123,000 |
| Atlanta-Sandy Springs-Marietta, GA | 334 | $ 65,302,000 | $ 195,514 | $ 81,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 266 | $ 83,705,000 | $ 314,680 | $ 102,000 |
| Denver-Aurora-Broomfield, CO | 235 | $ 50,833,000 | $ 216,310 | $ 79,000 |
| Edison-New Brunswick, NJ | 221 | $ 60,885,000 | $ 275,497 | $ 99,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 220 | $ 82,100,000 | $ 373,181 | $ 123,000 |
| Philadelphia, PA | 215 | $ 49,179,000 | $ 228,739 | $ 89,000 |
| Oakland-Fremont-Hayward, CA | 209 | $ 71,618,000 | $ 342,669 | $ 104,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 189 | $ 38,918,000 | $ 205,915 | $ 82,539 |
| Nassau-Suffolk, NY | 176 | $ 56,018,000 | $ 318,284 | $ 106,000 |
| Boston-Quincy, MA | 162 | $ 41,309,000 | $ 254,993 | $ 85,000 |
| Bethesda-Rockville-Frederick, MD | 161 | $ 50,205,000 | $ 311,832 | $ 102,000 |
| Newark-Union, NJ-PA | 155 | $ 43,673,000 | $ 281,761 | $ 108,954 |
| Las Vegas-Paradise, NV | 151 | $ 31,304,000 | $ 207,311 | $ 59,000 |
| Kansas City, MO-KS | 143 | $ 25,799,000 | $ 180,412 | $ 68,615 |
| Providence-New Bedford-Fall River, RI-MA | 142 | $ 30,423,000 | $ 214,246 | $ 71,507 |
| San Francisco-San Mateo-Redwood City, CA | 135 | $ 53,690,000 | $ 397,703 | $ 119,000 |
| Houston-Sugar Land-Baytown, TX | 133 | $ 23,665,000 | $ 177,932 | $ 85,000 |
| Richmond, VA | 129 | $ 26,058,000 | $ 202,000 | $ 68,000 |
| Albany-Schenectady-Troy, NY | 124 | $ 21,277,000 | $ 171,588 | $ 68,000 |
| Camden, NJ | 120 | $ 26,957,000 | $ 224,641 | $ 91,000 |
| Salt Lake City, UT | 118 | $ 25,723,000 | $ 217,991 | $ 72,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 116 | $ 21,898,000 | $ 188,775 | $ 74,905 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 102 | $ 23,163,000 | $ 227,088 | $ 47,705 |
| Rochester, NY | 92 | $ 12,740,000 | $ 138,478 | $ 62,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 89 | $ 21,808,000 | $ 245,033 | $ 89,000 |
| Cambridge-Newton-Framingham, MA | 84 | $ 25,271,000 | $ 300,845 | $ 103,000 |
| Dallas-Plano-Irving, TX | 83 | $ 16,485,000 | $ 198,614 | $ 89,000 |
| Colorado Springs, CO | 81 | $ 16,232,000 | $ 200,395 | $ 58,000 |
| Columbus, OH | 78 | $ 13,886,000 | $ 178,025 | $ 81,000 |
| Wilmington, DE-MD-NJ | 76 | $ 15,945,000 | $ 209,802 | $ 69,539 |
| Sacramento--Arden-Arcade--Roseville, CA | 75 | $ 19,772,000 | $ 263,626 | $ 89,000 |
| Seattle-Bellevue-Everett, WA | 75 | $ 21,122,000 | $ 281,626 | $ 85,000 |
| Worcester, MA | 73 | $ 16,347,000 | $ 223,931 | $ 75,000 |
| El Paso, TX | 69 | $ 11,191,000 | $ 162,188 | $ 66,000 |
| Tampa-St. Petersburg-Clearwater, FL | 64 | $ 10,662,000 | $ 166,593 | $ 61,000 |
| Raleigh-Cary, NC | 63 | $ 12,897,000 | $ 204,714 | $ 59,000 |
| Hagerstown-Martinsburg, MD-WV | 60 | $ 10,690,000 | $ 178,166 | $ 58,266 |
| Bridgeport-Stamford-Norwalk, CT | 58 | $ 16,880,000 | $ 291,034 | $ 130,000 |
| Buffalo-Niagara Falls, NY | 57 | $ 6,794,000 | $ 119,192 | $ 54,000 |
| Kingston, NY | 52 | $ 10,245,000 | $ 197,019 | $ 85,000 |
| Cleveland-Elyria-Mentor, OH | 51 | $ 8,744,000 | $ 171,450 | $ 84,000 |
| Tucson, AZ | 49 | $ 8,819,000 | $ 179,979 | $ 62,000 |
| Peabody, MA | 47 | $ 11,575,000 | $ 246,276 | $ 74,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 46 | $ 9,362,000 | $ 203,521 | $ 64,000 |
| Springfield, MA | 46 | $ 8,433,000 | $ 183,326 | $ 71,000 |
| St. Louis, MO-IL | 45 | $ 8,329,000 | $ 185,088 | $ 67,355 |
| Albuquerque, NM | 43 | $ 8,838,000 | $ 205,534 | $ 77,000 |
| Austin-Round Rock-San Marcos, TX | 40 | $ 7,318,000 | $ 182,950 | $ 92,000 |
| Lake County-Kenosha County, IL-WI | 40 | $ 10,307,000 | $ 257,675 | $ 127,325 |
| New Haven-Milford, CT | 40 | $ 9,623,000 | $ 240,575 | $ 105,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 40 | $ 10,376,000 | $ 259,400 | $ 79,325 |
| Orlando-Kissimmee-Sanford, FL | 37 | $ 6,092,000 | $ 164,648 | $ 50,000 |
| Pittsburgh, PA | 37 | $ 6,002,000 | $ 162,216 | $ 71,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 35 | $ 6,915,000 | $ 197,571 | $ 89,800 |
| York-Hanover, PA | 35 | $ 6,978,000 | $ 199,371 | $ 74,000 |
| Des Moines-West Des Moines, IA | 34 | $ 5,646,000 | $ 166,058 | $ 65,000 |
| Hartford-West Hartford-East Hartford, CT | 34 | $ 8,115,000 | $ 238,676 | $ 97,000 |
| New Orleans-Metairie-Kenner, LA | 34 | $ 7,593,000 | $ 223,323 | $ 76,000 |
| Baton Rouge, LA | 33 | $ 6,257,000 | $ 189,606 | $ 74,000 |
| Honolulu, HI | 33 | $ 11,936,000 | $ 361,696 | $ 91,000 |
| Trenton-Ewing, NJ | 32 | $ 7,848,000 | $ 245,250 | $ 104,000 |
| Tacoma, WA | 31 | $ 8,345,000 | $ 269,193 | $ 66,000 |
| Fayetteville, NC | 30 | $ 5,320,000 | $ 177,333 | $ 40,000 |
| Rockingham County-Strafford County, NH | 30 | $ 8,309,000 | $ 276,966 | $ 94,000 |
| Warren-Troy-Farmington Hills, MI | 30 | $ 5,164,000 | $ 172,133 | $ 65,000 |
| Anchorage, AK | 29 | $ 7,120,000 | $ 245,517 | $ 63,000 |
| Atlantic City-Hammonton, NJ | 29 | $ 6,344,000 | $ 218,758 | $ 90,000 |
| Greensboro-High Point, NC | 29 | $ 4,712,000 | $ 162,482 | $ 52,000 |
| Bakersfield-Delano, CA | 28 | $ 5,463,000 | $ 195,107 | $ 70,000 |
| Bismarck, ND | 28 | $ 4,403,000 | $ 157,250 | $ 66,000 |
| Boulder, CO | 27 | $ 6,895,000 | $ 255,370 | $ 114,000 |
| Toledo, OH | 27 | $ 3,933,000 | $ 145,666 | $ 86,000 |
| Winston-Salem, NC | 27 | $ 4,317,000 | $ 159,888 | $ 56,000 |
| Cincinnati-Middletown, OH-KY-IN | 26 | $ 5,037,000 | $ 193,730 | $ 67,500 |
| Manchester-Nashua, NH | 26 | $ 5,894,000 | $ 226,692 | $ 54,000 |
| San Antonio-New Braunfels, TX | 26 | $ 4,952,000 | $ 190,461 | $ 65,000 |
| Binghamton, NY | 25 | $ 3,165,000 | $ 126,600 | $ 61,000 |
| Fort Worth-Arlington, TX | 25 | $ 4,999,000 | $ 199,960 | $ 65,000 |
| Indianapolis-Carmel, IN | 25 | $ 4,772,000 | $ 190,880 | $ 72,000 |
| Jacksonville, FL | 25 | $ 4,490,000 | $ 179,600 | $ 47,000 |
| Ogden-Clearfield, UT | 25 | $ 5,170,000 | $ 206,800 | $ 57,000 |
| Las Cruces, NM | 24 | $ 4,212,000 | $ 175,500 | $ 72,000 |
| Louisville-Jefferson County, KY-IN | 24 | $ 5,190,000 | $ 216,250 | $ 52,000 |
| Stockton, CA | 24 | $ 6,013,000 | $ 250,541 | $ 89,000 |
| Birmingham-Hoover, AL | 22 | $ 3,788,000 | $ 172,181 | $ 49,000 |
| Burlington-South Burlington, VT | 22 | $ 4,268,000 | $ 194,000 | $ 58,000 |
| Dover, DE | 22 | $ 4,832,000 | $ 219,636 | $ 81,000 |
| Fresno, CA | 22 | $ 5,117,000 | $ 232,590 | $ 92,000 |
| Memphis, TN-MS-AR | 22 | $ 3,715,000 | $ 168,863 | $ 52,090 |
| Provo-Orem, UT | 22 | $ 5,004,000 | $ 227,454 | $ 54,000 |
| Wilmington, NC | 22 | $ 4,660,000 | $ 211,818 | $ 85,000 |
| Asheville, NC | 21 | $ 4,222,000 | $ 201,047 | $ 68,000 |
| Harrisburg-Carlisle, PA | 21 | $ 4,046,000 | $ 192,666 | $ 61,000 |
| Jacksonville, NC | 21 | $ 3,958,000 | $ 188,476 | $ 24,000 |
| Barnstable Town, MA | 20 | $ 5,509,000 | $ 275,450 | $ 91,000 |
| Greeley, CO | 20 | $ 4,000,000 | $ 200,000 | $ 74,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 20 | $ 7,302,000 | $ 365,100 | $ 117,000 |
| Santa Rosa-Petaluma, CA | 20 | $ 7,090,000 | $ 354,500 | $ 152,000 |
| Boise City-Nampa, ID | 19 | $ 3,667,000 | $ 193,000 | $ 65,000 |
| Durham-Chapel Hill, NC | 19 | $ 3,250,000 | $ 171,052 | $ 50,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 19 | $ 3,577,000 | $ 188,263 | $ 64,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 19 | $ 2,858,000 | $ 150,421 | $ 94,000 |
| Missoula, MT | 18 | $ 3,301,000 | $ 183,388 | $ 51,000 |
| San Luis Obispo-Paso Robles, CA | 17 | $ 6,252,000 | $ 367,764 | $ 112,000 |
| Santa Cruz-Watsonville, CA | 17 | $ 6,493,000 | $ 381,941 | $ 96,000 |
| Vallejo-Fairfield, CA | 17 | $ 3,752,000 | $ 220,705 | $ 120,000 |
| Akron, OH | 16 | $ 3,444,000 | $ 215,250 | $ 92,000 |
| Gary, IN | 16 | $ 3,289,000 | $ 205,562 | $ 91,000 |
| Chico, CA | 15 | $ 3,620,000 | $ 241,333 | $ 98,000 |
| Lancaster, PA | 15 | $ 2,993,000 | $ 199,533 | $ 55,000 |
| Reading, PA | 15 | $ 2,920,000 | $ 194,666 | $ 72,000 |
| Augusta-Richmond County, GA-SC | 14 | $ 2,045,000 | $ 146,071 | $ 40,928 |
| Glens Falls, NY | 14 | $ 2,190,000 | $ 156,428 | $ 63,000 |
| Milwaukee-Waukesha-West Allis, WI | 14 | $ 3,349,000 | $ 239,214 | $ 81,000 |
| Norwich-New London, CT | 14 | $ 3,496,000 | $ 249,714 | $ 97,000 |
| Savannah, GA | 14 | $ 2,912,000 | $ 208,000 | $ 44,000 |
| St. George, UT | 14 | $ 3,149,000 | $ 224,928 | $ 89,000 |
| Visalia-Porterville, CA | 14 | $ 3,141,000 | $ 224,357 | $ 67,000 |
| Davenport-Moline-Rock Island, IA-IL | 13 | $ 3,416,000 | $ 262,769 | $ 180,384 |
| Greenville-Mauldin-Easley, SC | 13 | $ 2,156,000 | $ 165,846 | $ 55,000 |
| Little Rock-North Little Rock-Conway, AR | 13 | $ 2,392,000 | $ 184,000 | $ 42,000 |
| Olympia, WA | 13 | $ 2,884,000 | $ 221,846 | $ 38,000 |
| Portland-South Portland-Biddeford, ME | 13 | $ 2,474,000 | $ 190,307 | $ 100,000 |
| Rapid City, SD | 13 | $ 2,069,000 | $ 159,153 | $ 53,000 |
| St. Joseph, MO-KS | 13 | $ 1,462,000 | $ 112,461 | $ 42,000 |
| Wichita, KS | 13 | $ 2,179,000 | $ 167,615 | $ 43,000 |
| Columbia, SC | 12 | $ 2,063,000 | $ 171,916 | $ 39,000 |
| Dayton, OH | 12 | $ 2,305,000 | $ 192,083 | $ 45,000 |
| Kennewick-Pasco-Richland, WA | 12 | $ 2,309,000 | $ 192,416 | $ 103,000 |
| Lake Havasu City-Kingman, AZ | 12 | $ 2,389,000 | $ 199,083 | $ 87,000 |
| Mount Vernon-Anacortes, WA | 12 | $ 3,739,000 | $ 311,583 | $ 72,000 |
| Omaha-Council Bluffs, NE-IA | 12 | $ 2,270,000 | $ 189,166 | $ 50,416 |
| Reno-Sparks, NV | 12 | $ 3,588,000 | $ 299,000 | $ 98,000 |
| Bremerton-Silverdale, WA | 11 | $ 2,430,000 | $ 220,909 | $ 36,000 |
| Columbus, GA-AL | 11 | $ 2,427,000 | $ 220,636 | $ 65,363 |
| Detroit-Livonia-Dearborn, MI | 11 | $ 1,713,000 | $ 155,727 | $ 56,000 |
| Fort Collins-Loveland, CO | 11 | $ 2,334,000 | $ 212,181 | $ 80,000 |
| Grand Junction, CO | 11 | $ 2,796,000 | $ 254,181 | $ 69,000 |
| Modesto, CA | 11 | $ 1,983,000 | $ 180,272 | $ 95,000 |
| Morgantown, WV | 11 | $ 1,885,000 | $ 171,363 | $ 64,000 |
| North Port-Bradenton-Sarasota, FL | 11 | $ 2,364,000 | $ 214,909 | $ 86,000 |
| Oklahoma City, OK | 11 | $ 2,236,000 | $ 203,272 | $ 45,000 |
| Rockford, IL | 11 | $ 2,002,000 | $ 182,000 | $ 64,000 |
| Shreveport-Bossier City, LA | 11 | $ 2,066,000 | $ 187,818 | $ 78,000 |
| Spokane, WA | 11 | $ 2,524,000 | $ 229,454 | $ 63,000 |
| Gainesville, GA | 10 | $ 1,572,000 | $ 157,200 | $ 53,000 |
| Jackson, MS | 10 | $ 1,348,000 | $ 134,800 | $ 47,000 |
| Lafayette, LA | 10 | $ 1,756,000 | $ 175,600 | $ 67,000 |
| Salisbury, MD | 10 | $ 1,499,000 | $ 149,900 | $ 46,000 |
| Scranton--Wilkes-Barre, PA | 10 | $ 1,593,000 | $ 159,300 | $ 69,000 |
| Syracuse, NY | 10 | $ 1,927,000 | $ 192,700 | $ 116,000 |
| Hanford-Corcoran, CA | 9 | $ 1,898,000 | $ 210,888 | $ 95,000 |
| Huntsville, AL | 9 | $ 1,587,000 | $ 176,333 | $ 172,000 |
| Ocala, FL | 9 | $ 1,755,000 | $ 195,000 | $ 95,000 |
| Prescott, AZ | 9 | $ 1,990,000 | $ 221,111 | $ 118,000 |
| Pueblo, CO | 9 | $ 1,469,000 | $ 163,222 | $ 48,000 |
| Roanoke, VA | 9 | $ 1,568,000 | $ 174,222 | $ 48,000 |
| Charleston-North Charleston-Summerville, SC | 8 | $ 2,136,000 | $ 267,000 | $ 67,000 |
| Crestview-Fort Walton Beach-Destin, FL | 8 | $ 1,381,000 | $ 172,625 | $ 24,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 8 | $ 1,138,000 | $ 142,250 | $ 48,000 |
| Salem, OR | 8 | $ 1,504,000 | $ 188,000 | $ 68,000 |
| Valdosta, GA | 8 | $ 1,599,000 | $ 199,875 | $ 53,000 |
| Vineland-Millville-Bridgeton, NJ | 8 | $ 1,334,000 | $ 166,750 | $ 52,000 |
| Cheyenne, WY | 7 | $ 1,490,000 | $ 212,857 | $ 69,000 |
| Elmira, NY | 7 | $ 519,000 | $ 74,142 | $ 46,000 |
| Eugene-Springfield, OR | 7 | $ 1,473,000 | $ 210,428 | $ 43,000 |
| Flagstaff, AZ | 7 | $ 1,513,000 | $ 216,142 | $ 137,000 |
| Killeen-Temple-Fort Hood, TX | 7 | $ 1,057,000 | $ 151,000 | $ 32,000 |
| Knoxville, TN | 7 | $ 1,704,000 | $ 243,428 | $ 101,000 |
| Lexington-Fayette, KY | 7 | $ 1,250,000 | $ 178,571 | $ 52,000 |
| Madison, WI | 7 | $ 1,818,000 | $ 259,714 | $ 71,000 |
| Napa, CA | 7 | $ 1,966,000 | $ 280,857 | $ 97,000 |
| Ocean City, NJ | 7 | $ 1,898,000 | $ 271,142 | $ 142,000 |
| Pensacola-Ferry Pass-Brent, FL | 7 | $ 1,344,000 | $ 192,000 | $ 49,000 |
| Tulsa, OK | 7 | $ 1,451,000 | $ 207,285 | $ 65,000 |
| Winchester, VA-WV | 7 | $ 1,251,000 | $ 178,714 | $ 33,857 |
| Yuba City, CA | 7 | $ 1,657,000 | $ 236,714 | $ 42,000 |
| Yuma, AZ | 7 | $ 1,538,000 | $ 219,714 | $ 32,000 |
| Beaumont-Port Arthur, TX | 6 | $ 1,050,000 | $ 175,000 | $ 55,000 |
| Burlington, NC | 6 | $ 898,000 | $ 149,666 | $ 69,000 |
| Chattanooga, TN-GA | 6 | $ 934,000 | $ 155,666 | $ 50,333 |
| Duluth, MN-WI | 6 | $ 1,053,000 | $ 175,500 | $ 68,000 |
| Grand Rapids-Wyoming, MI | 6 | $ 1,063,000 | $ 177,166 | $ 82,000 |
| Lynchburg, VA | 6 | $ 971,000 | $ 161,833 | $ 67,000 |
| McAllen-Edinburg-Mission, TX | 6 | $ 1,152,000 | $ 192,000 | $ 42,000 |
| Merced, CA | 6 | $ 854,000 | $ 142,333 | $ 76,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 6 | $ 1,725,000 | $ 287,500 | $ 66,000 |
| Port St. Lucie, FL | 6 | $ 1,061,000 | $ 176,833 | $ 55,000 |
| Salinas, CA | 6 | $ 1,883,000 | $ 313,833 | $ 220,000 |
| Springfield, OH | 6 | $ 564,000 | $ 94,000 | $ 43,000 |
| St. Cloud, MN | 6 | $ 933,000 | $ 155,500 | $ 33,000 |
| Ann Arbor, MI | 5 | $ 1,328,000 | $ 265,600 | $ 144,000 |
| Carson City, NV | 5 | $ 1,401,000 | $ 280,200 | $ 36,000 |
| Clarksville, TN-KY | 5 | $ 1,071,000 | $ 214,200 | $ 38,000 |
| El Centro, CA | 5 | $ 957,000 | $ 191,400 | $ 68,000 |
| Fairbanks, AK | 5 | $ 1,147,000 | $ 229,400 | $ 43,000 |
| Gainesville, FL | 5 | $ 821,000 | $ 164,200 | $ 49,000 |
| Harrisonburg, VA | 5 | $ 990,000 | $ 198,000 | $ 55,000 |
| Hickory-Lenoir-Morganton, NC | 5 | $ 1,173,000 | $ 234,600 | $ 84,000 |
| Houma-Bayou Cane-Thibodaux, LA | 5 | $ 1,119,000 | $ 223,800 | $ 186,000 |
| Idaho Falls, ID | 5 | $ 903,000 | $ 180,600 | $ 88,000 |
| Kingsport-Bristol-Bristol, TN-VA | 5 | $ 840,000 | $ 168,000 | $ 21,400 |
| Lakeland-Winter Haven, FL | 5 | $ 764,000 | $ 152,800 | $ 33,000 |
| Longview, TX | 5 | $ 938,000 | $ 187,600 | $ 62,000 |
| Montgomery, AL | 5 | $ 1,126,000 | $ 225,200 | $ 88,000 |
| Sherman-Denison, TX | 5 | $ 943,000 | $ 188,600 | $ 105,000 |
| Utica-Rome, NY | 5 | $ 562,000 | $ 112,400 | $ 45,000 |
| Warner Robins, GA | 5 | $ 1,106,000 | $ 221,200 | $ 74,000 |
| Abilene, TX | 4 | $ 903,000 | $ 225,750 | $ 35,000 |
| Ames, IA | 4 | $ 524,000 | $ 131,000 | $ 32,000 |
| Athens-Clarke County, GA | 4 | $ 480,000 | $ 120,000 | $ 32,000 |
| Billings, MT | 4 | $ 773,000 | $ 193,250 | $ 53,000 |
| Blacksburg-Christiansburg-Radford, VA | 4 | $ 850,000 | $ 212,500 | $ 87,000 |
| Canton-Massillon, OH | 4 | $ 706,000 | $ 176,500 | $ 54,000 |
| Charleston, WV | 4 | $ 933,000 | $ 233,250 | $ 19,000 |
| Evansville, IN-KY | 4 | $ 564,000 | $ 141,000 | $ 49,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 4 | $ 862,000 | $ 215,500 | $ 125,000 |
| Gulfport-Biloxi, MS | 4 | $ 737,000 | $ 184,250 | $ 64,000 |
| Hinesville-Fort Stewart, GA | 4 | $ 737,000 | $ 184,250 | $ 14,000 |
| Macon, GA | 4 | $ 438,000 | $ 109,500 | $ 17,000 |
| Palm Bay-Melbourne-Titusville, FL | 4 | $ 842,000 | $ 210,500 | $ 0 |
| Peoria, IL | 4 | $ 607,000 | $ 151,750 | $ 59,000 |
| Redding, CA | 4 | $ 816,000 | $ 204,000 | $ 43,000 |
| Rochester, MN | 4 | $ 819,000 | $ 204,750 | $ 106,000 |
| Rocky Mount, NC | 4 | $ 686,000 | $ 171,500 | $ 79,000 |
| Santa Fe, NM | 4 | $ 1,359,000 | $ 339,750 | $ 98,000 |
| State College, PA | 4 | $ 733,000 | $ 183,250 | $ 61,000 |
| Bangor, ME | 3 | $ 718,000 | $ 239,333 | $ 61,000 |
| Bend, OR | 3 | $ 752,000 | $ 250,666 | $ 46,000 |
| Bloomington-Normal, IL | 3 | $ 684,000 | $ 228,000 | $ 115,000 |
| Champaign-Urbana, IL | 3 | $ 513,000 | $ 171,000 | $ 70,000 |
| Cleveland, TN | 3 | $ 470,000 | $ 156,666 | $ 61,000 |
| Coeur D'Alene, ID | 3 | $ 551,000 | $ 183,666 | $ 10,000 |
| College Station-Bryan, TX | 3 | $ 491,000 | $ 163,666 | $ 119,000 |
| Elizabethtown, KY | 3 | $ 575,000 | $ 191,666 | $ 38,000 |
| Fort Wayne, IN | 3 | $ 634,000 | $ 211,333 | $ 66,000 |
| Goldsboro, NC | 3 | $ 402,000 | $ 134,000 | $ 75,000 |
| Grand Forks, ND-MN | 3 | $ 339,000 | $ 113,000 | $ 66,000 |
| Johnson City, TN | 3 | $ 387,000 | $ 129,000 | $ 28,000 |
| Kalamazoo-Portage, MI | 3 | $ 405,000 | $ 135,000 | $ 37,000 |
| Lake Charles, LA | 3 | $ 525,000 | $ 175,000 | $ 50,000 |
| Lebanon, PA | 3 | $ 547,000 | $ 182,333 | $ 0 |
| Madera-Chowchilla, CA | 3 | $ 653,000 | $ 217,666 | $ 33,000 |
| Mobile, AL | 3 | $ 620,000 | $ 206,666 | $ 75,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 3 | $ 378,000 | $ 126,000 | $ 40,000 |
| Pascagoula, MS | 3 | $ 347,000 | $ 115,666 | $ 40,000 |
| Punta Gorda, FL | 3 | $ 350,000 | $ 116,666 | $ 28,000 |
| South Bend-Mishawaka, IN-MI | 3 | $ 462,000 | $ 154,000 | $ 59,000 |
| Sumter, SC | 3 | $ 566,000 | $ 188,666 | $ 67,000 |
| Tallahassee, FL | 3 | $ 536,000 | $ 178,666 | $ 65,000 |
| Topeka, KS | 3 | $ 567,000 | $ 189,000 | $ 76,000 |
| Tuscaloosa, AL | 3 | $ 390,000 | $ 130,000 | $ 130,000 |
| Victoria, TX | 3 | $ 349,000 | $ 116,333 | $ 51,000 |
| Wenatchee-East Wenatchee, WA | 3 | $ 793,000 | $ 264,333 | $ 90,000 |
| Albany, GA | 2 | $ 302,000 | $ 151,000 | $ 101,000 |
| Anderson, IN | 2 | $ 411,000 | $ 205,500 | $ 83,000 |
| Auburn-Opelika, AL | 2 | $ 455,000 | $ 227,500 | $ 26,000 |
| Brownsville-Harlingen, TX | 2 | $ 313,000 | $ 156,500 | $ 131,000 |
| Corvallis, OR | 2 | $ 505,000 | $ 252,500 | $ 75,000 |
| Decatur, IL | 2 | $ 262,000 | $ 131,000 | $ 90,000 |
| Fond Du Lac, WI | 2 | $ 394,000 | $ 197,000 | $ 107,000 |
| Fort Smith, AR-OK | 2 | $ 422,000 | $ 211,000 | $ 37,000 |
| Great Falls, MT | 2 | $ 316,000 | $ 158,000 | $ 0 |
| Greenville, NC | 2 | $ 328,000 | $ 164,000 | $ 57,000 |
| Hattiesburg, MS | 2 | $ 566,000 | $ 283,000 | $ 75,000 |
| Hot Springs, AR | 2 | $ 272,000 | $ 136,000 | $ 39,000 |
| Huntington-Ashland, WV-KY-OH | 2 | $ 433,000 | $ 216,500 | $ 106,000 |
| Kankakee-Bradley, IL | 2 | $ 416,000 | $ 208,000 | $ 72,000 |
| Lansing-East Lansing, MI | 2 | $ 348,000 | $ 174,000 | $ 87,000 |
| Lawton, OK | 2 | $ 486,000 | $ 243,000 | $ 0 |
| Lima, OH | 2 | $ 382,000 | $ 191,000 | $ 77,000 |
| Lincoln, NE | 2 | $ 353,000 | $ 176,500 | $ 58,000 |
| Longview, WA | 2 | $ 480,000 | $ 240,000 | $ 53,000 |
| Lubbock, TX | 2 | $ 387,000 | $ 193,500 | $ 127,000 |
| Manhattan, KS | 2 | $ 358,000 | $ 179,000 | $ 0 |
| Midland, TX | 2 | $ 289,000 | $ 144,500 | $ 58,000 |
| Palm Coast, FL | 2 | $ 237,000 | $ 118,500 | $ 51,000 |
| Pine Bluff, AR | 2 | $ 358,000 | $ 179,000 | $ 109,000 |
| Racine, WI | 2 | $ 382,000 | $ 191,000 | $ 24,000 |
| San Angelo, TX | 2 | $ 242,000 | $ 121,000 | $ 43,000 |
| Sheboygan, WI | 2 | $ 512,000 | $ 256,000 | $ 88,000 |
| Sioux Falls, SD | 2 | $ 175,000 | $ 87,500 | $ 52,000 |
| Springfield, MO | 2 | $ 332,000 | $ 166,000 | $ 46,000 |
| Waco, TX | 2 | $ 229,000 | $ 114,500 | $ 35,000 |
| Wausau, WI | 2 | $ 384,000 | $ 192,000 | $ 21,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 2 | $ 284,000 | $ 142,000 | $ 76,000 |
| Wichita Falls, TX | 2 | $ 304,000 | $ 152,000 | $ 23,000 |
| Yakima, WA | 2 | $ 377,000 | $ 188,500 | $ 88,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 279,000 | $ 139,500 | $ 84,000 |
| Alexandria, LA | 1 | $ 323,000 | $ 323,000 | $ 53,000 |
| Altoona, PA | 1 | $ 102,000 | $ 102,000 | $ 49,000 |
| Amarillo, TX | 1 | $ 186,000 | $ 186,000 | $ 63,000 |
| Anderson, SC | 1 | $ 130,000 | $ 130,000 | $ 25,000 |
| Appleton, WI | 1 | $ 155,000 | $ 155,000 | $ 100,000 |
| Bellingham, WA | 1 | $ 238,000 | $ 238,000 | $ 0 |
| Bowling Green, KY | 1 | $ 235,000 | $ 235,000 | $ 76,000 |
| Brunswick, GA | 1 | $ 183,000 | $ 183,000 | $ 452,000 |
| Cape Girardeau-Jackson, MO-IL | 1 | $ 277,000 | $ 277,000 | $ 46,000 |
| Casper, WY | 1 | $ 192,000 | $ 192,000 | $ 97,000 |
| Cedar Rapids, IA | 1 | $ 124,000 | $ 124,000 | $ 62,000 |
| Charlottesville, VA | 1 | $ 70,000 | $ 70,000 | $ 32,000 |
| Columbia, MO | 1 | $ 191,000 | $ 191,000 | $ 0 |
| Columbus, IN | 1 | $ 160,000 | $ 160,000 | $ 105,000 |
| Corpus Christi, TX | 1 | $ 133,000 | $ 133,000 | $ 52,000 |
| Cumberland, MD-WV | 1 | $ 152,000 | $ 152,000 | $ 90,000 |
| Danville, VA | 1 | $ 107,000 | $ 107,000 | $ 24,000 |
| Decatur, AL | 1 | $ 68,000 | $ 68,000 | $ 47,000 |
| Dothan, AL | 1 | $ 204,000 | $ 204,000 | $ 0 |
| Eau Claire, WI | 1 | $ 86,000 | $ 86,000 | $ 17,000 |
| Elkhart-Goshen, IN | 1 | $ 126,000 | $ 126,000 | $ 53,000 |
| Fargo, ND-MN | 1 | $ 340,000 | $ 340,000 | $ 94,000 |
| Farmington, NM | 1 | $ 125,000 | $ 125,000 | $ 177,000 |
| Flint, MI | 1 | $ 174,000 | $ 174,000 | $ 37,000 |
| Florence, SC | 1 | $ 159,000 | $ 159,000 | $ 55,000 |
| Gadsden, AL | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Green Bay, WI | 1 | $ 219,000 | $ 219,000 | $ 66,000 |
| Holland-Grand Haven, MI | 1 | $ 84,000 | $ 84,000 | $ 49,000 |
| Ithaca, NY | 1 | $ 96,000 | $ 96,000 | $ 30,000 |
| Jackson, TN | 1 | $ 142,000 | $ 142,000 | $ 71,000 |
| Janesville, WI | 1 | $ 85,000 | $ 85,000 | $ 33,000 |
| Johnstown, PA | 1 | $ 205,000 | $ 205,000 | $ 65,000 |
| Jonesboro, AR | 1 | $ 143,000 | $ 143,000 | $ 62,000 |
| Joplin, MO | 1 | $ 257,000 | $ 257,000 | $ 119,000 |
| La Crosse, WI-MN | 1 | $ 120,000 | $ 120,000 | $ 91,000 |
| Laredo, TX | 1 | $ 166,000 | $ 166,000 | $ 43,000 |
| Lewiston, ID-WA | 1 | $ 140,000 | $ 140,000 | $ 76,000 |
| Lewiston-Auburn, ME | 1 | $ 127,000 | $ 127,000 | $ 91,000 |
| Logan, UT-ID | 1 | $ 275,000 | $ 275,000 | $ 45,000 |
| Medford, OR | 1 | $ 105,000 | $ 105,000 | $ 38,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 137,000 | $ 137,000 | $ 43,000 |
| Michigan City-La Porte, IN | 1 | $ 160,000 | $ 160,000 | $ 54,000 |
| Monroe, LA | 1 | $ 153,000 | $ 153,000 | $ 0 |
| Muskegon-Norton Shores, MI | 1 | $ 93,000 | $ 93,000 | $ 33,000 |
| Naples-Marco Island, FL | 1 | $ 158,000 | $ 158,000 | $ 66,000 |
| Odessa, TX | 1 | $ 165,000 | $ 165,000 | $ 82,000 |
| Owensboro, KY | 1 | $ 168,000 | $ 168,000 | $ 95,000 |
| Pittsfield, MA | 1 | $ 297,000 | $ 297,000 | $ 100,000 |
| Pocatello, ID | 1 | $ 114,000 | $ 114,000 | $ 52,000 |
| Rome, GA | 1 | $ 139,000 | $ 139,000 | $ 29,000 |
| Saginaw-Saginaw Township North, MI | 1 | $ 202,000 | $ 202,000 | $ 0 |
| Sandusky, OH | 1 | $ 90,000 | $ 90,000 | $ 54,000 |
| Sebastian-Vero Beach, FL | 1 | $ 214,000 | $ 214,000 | $ 0 |
| Sioux City, IA-NE-SD | 1 | $ 76,000 | $ 76,000 | $ 16,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 239,000 | $ 239,000 | $ 80,000 |
| Williamsport, PA | 1 | $ 75,000 | $ 75,000 | $ 23,000 |
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.
For a list of all lenders in Minnesota, download the full spreadsheet
with aggregated HMDA statistics today.
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