Home Savings of America Mortgage Lending & HMDA Data, 2008
In 2008, Home Savings of America of Little Falls, MN reported 6,418 mortgage applications totaling $1.8 billion, up 52% from 2007. The average application was for $276,751, and applicants reported an average income of $105,937. 36% of its applications resulted in an originated loan and 41% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (589), Chicago-Naperville-Joliet, IL (298) and San Diego-Carlsbad-San Marcos, CA (292) (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 | 6,418 |
| Total Mortgage Loan Application Amount | $1,776,188,000 |
| Average Mortgage Loan Application Amount | $276,751 |
| Highest Mortgage Loan Application Amount | $2,081,000 |
| Average Applicant Income | $105,937 |
| Highest Applicant Income | $2,607,000 |
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(HMDA) records Home Savings of America filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 589 | $ 233,245,000 | $ 396,001 | $ 143,000 |
| Chicago-Naperville-Joliet, IL | 298 | $ 72,737,000 | $ 244,083 | $ 94,000 |
| San Diego-Carlsbad-San Marcos, CA | 292 | $ 100,274,000 | $ 343,404 | $ 133,000 |
| Riverside-San Bernardino-Ontario, CA | 282 | $ 83,325,000 | $ 295,478 | $ 119,000 |
| Phoenix-Mesa-Scottsdale, AZ | 253 | $ 49,205,000 | $ 194,486 | $ 74,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 221 | $ 85,529,000 | $ 387,009 | $ 140,000 |
| Denver-Aurora, CO | 214 | $ 48,626,000 | $ 227,224 | $ 99,000 |
| Oakland-Fremont-Hayward, CA | 200 | $ 70,842,000 | $ 354,210 | $ 119,000 |
| Santa Ana-Anaheim-Irvine, CA | 172 | $ 73,122,000 | $ 425,127 | $ 147,000 |
| Salt Lake City, UT | 167 | $ 53,193,000 | $ 318,520 | $ 140,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 164 | $ 48,188,000 | $ 293,829 | $ 98,810 |
| San Francisco-San Mateo-Redwood City, CA | 136 | $ 71,432,000 | $ 525,235 | $ 157,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 130 | $ 37,715,000 | $ 290,115 | $ 117,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 128 | $ 27,329,000 | $ 213,507 | $ 77,687 |
| Atlanta-Sandy Springs-Marietta, GA | 124 | $ 22,800,000 | $ 183,870 | $ 64,000 |
| Kansas City, MO-KS | 99 | $ 14,749,000 | $ 148,979 | $ 65,848 |
| Oxnard-Thousand Oaks-Ventura, CA | 96 | $ 36,504,000 | $ 380,250 | $ 124,000 |
| Baltimore-Towson, MD | 91 | $ 23,579,000 | $ 259,109 | $ 92,000 |
| Ogden-Clearfield, UT | 83 | $ 20,459,000 | $ 246,493 | $ 90,000 |
| Providence-New Bedford-Fall River, RI-MA | 78 | $ 16,734,000 | $ 214,538 | $ 71,846 |
| Dallas-Plano-Irving, TX | 73 | $ 20,762,000 | $ 284,410 | $ 128,000 |
| Portland-Vancouver-Beaverton, OR-WA | 66 | $ 16,347,000 | $ 247,681 | $ 74,575 |
| Provo-Orem, UT | 66 | $ 25,239,000 | $ 382,409 | $ 133,000 |
| Houston-Sugar Land-Baytown, TX | 65 | $ 14,018,000 | $ 215,661 | $ 131,000 |
| New Haven-Milford, CT | 51 | $ 10,985,000 | $ 215,392 | $ 69,000 |
| Detroit-Livonia-Dearborn, MI | 49 | $ 4,871,000 | $ 99,408 | $ 101,000 |
| Bridgeport-Stamford-Norwalk, CT | 48 | $ 13,477,000 | $ 280,770 | $ 115,000 |
| Las Vegas-Paradise, NV | 46 | $ 11,067,000 | $ 240,586 | $ 90,000 |
| Stockton, CA | 46 | $ 10,228,000 | $ 222,347 | $ 105,000 |
| Colorado Springs, CO | 44 | $ 9,033,000 | $ 205,295 | $ 76,000 |
| Philadelphia, PA | 40 | $ 7,445,000 | $ 186,125 | $ 93,000 |
| Seattle-Bellevue-Everett, WA | 39 | $ 12,163,000 | $ 311,871 | $ 85,000 |
| Bethesda-Frederick-Gaithersburg, MD | 37 | $ 10,888,000 | $ 294,270 | $ 88,000 |
| Richmond, VA | 36 | $ 7,057,000 | $ 196,027 | $ 96,000 |
| Boise City-Nampa, ID | 35 | $ 5,497,000 | $ 157,057 | $ 56,000 |
| Gary, IN | 35 | $ 5,728,000 | $ 163,657 | $ 85,000 |
| Memphis, TN-MS-AR | 34 | $ 5,404,000 | $ 158,941 | $ 63,705 |
| Boston-Quincy, MA | 33 | $ 9,252,000 | $ 280,363 | $ 79,000 |
| Lake County-Kenosha County, IL-WI | 32 | $ 10,223,000 | $ 319,468 | $ 143,000 |
| New York-White Plains-Wayne, NY-NJ | 32 | $ 11,621,000 | $ 363,156 | $ 128,875 |
| Vallejo-Fairfield, CA | 31 | $ 9,997,000 | $ 322,483 | $ 123,000 |
| Fort Worth-Arlington, TX | 30 | $ 6,988,000 | $ 232,933 | $ 132,000 |
| Birmingham-Hoover, AL | 27 | $ 2,962,000 | $ 109,703 | $ 72,000 |
| Salinas, CA | 26 | $ 9,565,000 | $ 367,884 | $ 114,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 26 | $ 5,525,000 | $ 212,500 | $ 66,000 |
| St. Louis, MO-IL | 25 | $ 3,482,000 | $ 139,280 | $ 52,400 |
| St. George, UT | 24 | $ 10,258,000 | $ 427,416 | $ 147,000 |
| Bakersfield, CA | 23 | $ 5,404,000 | $ 234,956 | $ 88,000 |
| Newark-Union, NJ-PA | 23 | $ 6,468,000 | $ 281,217 | $ 91,000 |
| Santa Rosa-Petaluma, CA | 23 | $ 7,295,000 | $ 317,173 | $ 153,000 |
| El Paso, TX | 22 | $ 4,065,000 | $ 184,772 | $ 73,000 |
| Modesto, CA | 22 | $ 4,762,000 | $ 216,454 | $ 63,000 |
| Tacoma, WA | 21 | $ 4,953,000 | $ 235,857 | $ 85,000 |
| Austin-Round Rock, TX | 20 | $ 5,951,000 | $ 297,550 | $ 128,000 |
| Jackson, MS | 20 | $ 2,119,000 | $ 105,950 | $ 92,000 |
| Fresno, CA | 19 | $ 4,987,000 | $ 262,473 | $ 112,000 |
| Jackson, MI | 19 | $ 2,133,000 | $ 112,263 | $ 52,000 |
| Warren-Troy-Farmington Hills, MI | 19 | $ 4,796,000 | $ 252,421 | $ 112,000 |
| Cambridge-Newton-Framingham, MA | 16 | $ 4,342,000 | $ 271,375 | $ 87,000 |
| Grand Rapids-Wyoming, MI | 16 | $ 1,522,000 | $ 95,125 | $ 87,000 |
| Logan, UT-ID | 16 | $ 2,759,000 | $ 172,437 | $ 56,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 16 | $ 7,259,000 | $ 453,687 | $ 211,000 |
| Burlington-South Burlington, VT | 15 | $ 3,032,000 | $ 202,133 | $ 98,000 |
| Camden, NJ | 15 | $ 3,479,000 | $ 231,933 | $ 97,000 |
| Cleveland-Elyria-Mentor, OH | 15 | $ 1,922,000 | $ 128,133 | $ 64,000 |
| Merced, CA | 15 | $ 2,639,000 | $ 175,933 | $ 88,000 |
| Boulder, CO | 14 | $ 2,636,000 | $ 188,285 | $ 72,000 |
| Edison-New Brunswick, NJ | 14 | $ 4,516,000 | $ 322,571 | $ 101,000 |
| Atlantic City-Hammonton, NJ | 13 | $ 3,262,000 | $ 250,923 | $ 61,000 |
| Baton Rouge, LA | 13 | $ 2,450,000 | $ 188,461 | $ 82,000 |
| Salem, OR | 13 | $ 2,831,000 | $ 217,769 | $ 70,000 |
| San Antonio, TX | 13 | $ 2,945,000 | $ 226,538 | $ 90,000 |
| Cincinnati-Middletown, OH-KY-IN | 12 | $ 2,315,000 | $ 192,916 | $ 62,000 |
| Fort Collins-Loveland, CO | 12 | $ 2,642,000 | $ 220,166 | $ 68,000 |
| Hartford-West Hartford-East Hartford, CT | 12 | $ 2,951,000 | $ 245,916 | $ 118,000 |
| Pittsburgh, PA | 12 | $ 1,133,000 | $ 94,416 | $ 38,000 |
| Santa Cruz-Watsonville, CA | 12 | $ 5,670,000 | $ 472,500 | $ 167,000 |
| Greeley, CO | 11 | $ 2,293,000 | $ 208,454 | $ 121,000 |
| Las Cruces, NM | 11 | $ 1,919,000 | $ 174,454 | $ 56,000 |
| Bend, OR | 10 | $ 2,082,000 | $ 208,200 | $ 82,000 |
| Charleston-North Charleston-Summerville, SC | 10 | $ 1,787,000 | $ 178,700 | $ 63,000 |
| Lansing-East Lansing, MI | 10 | $ 836,000 | $ 83,600 | $ 244,000 |
| Tampa-St. Petersburg-Clearwater, FL | 10 | $ 1,694,000 | $ 169,400 | $ 61,000 |
| Tucson, AZ | 10 | $ 1,654,000 | $ 165,400 | $ 61,000 |
| New Orleans-Metairie-Kenner, LA | 9 | $ 1,676,000 | $ 186,222 | $ 98,000 |
| Toledo, OH | 9 | $ 1,131,000 | $ 125,666 | $ 61,000 |
| Harrisburg-Carlisle, PA | 8 | $ 1,295,000 | $ 161,875 | $ 99,000 |
| Honolulu, HI | 8 | $ 2,106,000 | $ 263,250 | $ 93,000 |
| Lake Havasu City-Kingman, AZ | 8 | $ 1,833,000 | $ 229,125 | $ 58,000 |
| San Luis Obispo-Paso Robles, CA | 8 | $ 4,247,000 | $ 530,875 | $ 226,000 |
| Grand Junction, CO | 7 | $ 1,451,000 | $ 207,285 | $ 71,000 |
| Greensboro-High Point, NC | 7 | $ 964,000 | $ 137,714 | $ 46,000 |
| Mount Vernon-Anacortes, WA | 7 | $ 1,619,000 | $ 231,285 | $ 75,000 |
| Napa, CA | 7 | $ 2,576,000 | $ 368,000 | $ 194,000 |
| Peabody, MA | 7 | $ 1,908,000 | $ 272,571 | $ 75,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 6 | $ 777,000 | $ 129,500 | $ 52,000 |
| Bellingham, WA | 6 | $ 1,064,000 | $ 177,333 | $ 98,000 |
| Buffalo-Niagara Falls, NY | 6 | $ 647,000 | $ 107,833 | $ 74,000 |
| Eugene-Springfield, OR | 6 | $ 1,377,000 | $ 229,500 | $ 89,000 |
| Fayetteville, NC | 6 | $ 800,000 | $ 133,333 | $ 72,000 |
| Greenville-Mauldin-Easley, SC | 6 | $ 2,159,000 | $ 359,833 | $ 166,000 |
| Lubbock, TX | 6 | $ 270,000 | $ 45,000 | $ 229,000 |
| Missoula, MT | 6 | $ 1,544,000 | $ 257,333 | $ 89,000 |
| Muskegon-Norton Shores, MI | 6 | $ 546,000 | $ 91,000 | $ 33,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 6 | $ 1,018,000 | $ 169,666 | $ 84,000 |
| Nassau-Suffolk, NY | 6 | $ 1,919,000 | $ 319,833 | $ 159,000 |
| Olympia, WA | 6 | $ 2,289,000 | $ 381,500 | $ 120,000 |
| Reno-Sparks, NV | 6 | $ 1,194,000 | $ 199,000 | $ 65,000 |
| Rochester, NY | 6 | $ 640,000 | $ 106,666 | $ 75,000 |
| Tulsa, OK | 6 | $ 861,000 | $ 143,500 | $ 62,000 |
| Albuquerque, NM | 5 | $ 917,000 | $ 183,400 | $ 81,000 |
| Columbus, OH | 5 | $ 1,031,000 | $ 206,200 | $ 87,000 |
| Corpus Christi, TX | 5 | $ 1,184,000 | $ 236,800 | $ 110,000 |
| Hagerstown-Martinsburg, MD-WV | 5 | $ 1,117,000 | $ 223,400 | $ 77,800 |
| Indianapolis-Carmel, IN | 5 | $ 844,000 | $ 168,800 | $ 86,000 |
| Milwaukee-Waukesha-West Allis, WI | 5 | $ 653,000 | $ 130,600 | $ 75,000 |
| Orlando-Kissimmee, FL | 5 | $ 758,000 | $ 151,600 | $ 62,000 |
| Pueblo, CO | 5 | $ 883,000 | $ 176,600 | $ 54,000 |
| St. Cloud, MN | 5 | $ 1,019,000 | $ 203,800 | $ 57,000 |
| Worcester, MA | 5 | $ 1,119,000 | $ 223,800 | $ 80,000 |
| York-Hanover, PA | 5 | $ 910,000 | $ 182,000 | $ 68,000 |
| Albany-Schenectady-Troy, NY | 4 | $ 576,000 | $ 144,000 | $ 70,000 |
| Chico, CA | 4 | $ 674,000 | $ 168,500 | $ 65,000 |
| Columbia, SC | 4 | $ 869,000 | $ 217,250 | $ 130,000 |
| Fort Wayne, IN | 4 | $ 544,000 | $ 136,000 | $ 58,000 |
| Lawrence, KS | 4 | $ 595,000 | $ 148,750 | $ 50,000 |
| McAllen-Edinburg-Mission, TX | 4 | $ 566,000 | $ 141,500 | $ 66,000 |
| Medford, OR | 4 | $ 1,130,000 | $ 282,500 | $ 52,000 |
| Oklahoma City, OK | 4 | $ 805,000 | $ 201,250 | $ 96,000 |
| Pittsfield, MA | 4 | $ 471,000 | $ 117,750 | $ 35,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 4 | $ 851,000 | $ 212,750 | $ 88,000 |
| Prescott, AZ | 4 | $ 1,128,000 | $ 282,000 | $ 111,000 |
| Rockingham County-Strafford County, NH | 4 | $ 803,000 | $ 200,750 | $ 72,000 |
| Visalia-Porterville, CA | 4 | $ 682,000 | $ 170,500 | $ 51,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 4 | $ 1,060,000 | $ 265,000 | $ 230,000 |
| Wilmington, DE-MD-NJ | 4 | $ 795,000 | $ 198,750 | $ 43,500 |
| Yuba City, CA | 4 | $ 634,000 | $ 158,500 | $ 105,000 |
| Albany, GA | 3 | $ 648,000 | $ 216,000 | $ 80,000 |
| Brownsville-Harlingen, TX | 3 | $ 994,000 | $ 331,333 | $ 183,000 |
| Canton-Massillon, OH | 3 | $ 394,000 | $ 131,333 | $ 23,000 |
| Charlotte-Gastonia-Concord, NC-SC | 3 | $ 450,000 | $ 150,000 | $ 45,000 |
| Charlottesville, VA | 3 | $ 960,000 | $ 320,000 | $ 82,000 |
| Duluth, MN-WI | 3 | $ 428,000 | $ 142,666 | $ 35,000 |
| El Centro, CA | 3 | $ 470,000 | $ 156,666 | $ 159,000 |
| Fargo, ND-MN | 3 | $ 569,000 | $ 189,666 | $ 50,000 |
| Glens Falls, NY | 3 | $ 453,000 | $ 151,000 | $ 59,000 |
| Green Bay, WI | 3 | $ 517,000 | $ 172,333 | $ 56,000 |
| Holland-Grand Haven, MI | 3 | $ 801,000 | $ 267,000 | $ 153,000 |
| Idaho Falls, ID | 3 | $ 401,000 | $ 133,666 | $ 47,000 |
| Kingston, NY | 3 | $ 708,000 | $ 236,000 | $ 58,000 |
| Knoxville, TN | 3 | $ 396,000 | $ 132,000 | $ 138,000 |
| Lancaster, PA | 3 | $ 374,000 | $ 124,666 | $ 77,000 |
| Madera, CA | 3 | $ 709,000 | $ 236,333 | $ 99,000 |
| Manchester-Nashua, NH | 3 | $ 870,000 | $ 290,000 | $ 80,000 |
| Mobile, AL | 3 | $ 540,000 | $ 180,000 | $ 66,000 |
| Montgomery, AL | 3 | $ 446,000 | $ 148,666 | $ 47,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 3 | $ 780,000 | $ 260,000 | $ 142,000 |
| Omaha-Council Bluffs, NE-IA | 3 | $ 578,000 | $ 192,666 | $ 13,000 |
| Rockford, IL | 3 | $ 625,000 | $ 208,333 | $ 42,000 |
| Trenton-Ewing, NJ | 3 | $ 954,000 | $ 318,000 | $ 82,000 |
| Yakima, WA | 3 | $ 414,000 | $ 138,000 | $ 26,000 |
| Ann Arbor, MI | 2 | $ 539,000 | $ 269,500 | $ 75,000 |
| Barnstable Town, MA | 2 | $ 658,000 | $ 329,000 | $ 166,000 |
| Battle Creek, MI | 2 | $ 104,000 | $ 52,000 | $ 35,000 |
| Bremerton-Silverdale, WA | 2 | $ 1,209,000 | $ 604,500 | $ 152,000 |
| Burlington, NC | 2 | $ 169,000 | $ 84,500 | $ 261,000 |
| Carson City, NV | 2 | $ 500,000 | $ 250,000 | $ 56,000 |
| Cleveland, TN | 2 | $ 358,000 | $ 179,000 | $ 80,000 |
| Corvallis, OR | 2 | $ 380,000 | $ 190,000 | $ 59,000 |
| Durham, NC | 2 | $ 343,000 | $ 171,500 | $ 133,000 |
| Flint, MI | 2 | $ 607,000 | $ 303,500 | $ 100,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 460,000 | $ 230,000 | $ 197,000 |
| Fort Walton Beach-Crestview-Destin, FL | 2 | $ 448,000 | $ 224,000 | $ 115,000 |
| Hanford-Corcoran, CA | 2 | $ 188,000 | $ 94,000 | $ 99,000 |
| Huntsville, AL | 2 | $ 206,000 | $ 103,000 | $ 38,000 |
| Jacksonville, NC | 2 | $ 410,000 | $ 205,000 | $ 0 |
| Johnstown, PA | 2 | $ 335,000 | $ 167,500 | $ 70,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 542,000 | $ 271,000 | $ 97,000 |
| Odessa, TX | 2 | $ 116,000 | $ 58,000 | $ 28,000 |
| Pocatello, ID | 2 | $ 549,000 | $ 274,500 | $ 81,000 |
| Raleigh-Cary, NC | 2 | $ 302,000 | $ 151,000 | $ 22,000 |
| Reading, PA | 2 | $ 377,000 | $ 188,500 | $ 180,000 |
| Redding, CA | 2 | $ 319,000 | $ 159,500 | $ 45,000 |
| Rocky Mount, NC | 2 | $ 226,000 | $ 113,000 | $ 38,000 |
| Santa Fe, NM | 2 | $ 617,000 | $ 308,500 | $ 127,000 |
| Sheboygan, WI | 2 | $ 210,000 | $ 105,000 | $ 30,000 |
| Shreveport-Bossier City, LA | 2 | $ 288,000 | $ 144,000 | $ 55,000 |
| Sioux Falls, SD | 2 | $ 350,000 | $ 175,000 | $ 59,000 |
| Spokane, WA | 2 | $ 642,000 | $ 321,000 | $ 110,000 |
| Springfield, MA | 2 | $ 347,000 | $ 173,500 | $ 83,000 |
| Topeka, KS | 2 | $ 242,000 | $ 121,000 | $ 70,000 |
| Tuscaloosa, AL | 2 | $ 284,000 | $ 142,000 | $ 32,000 |
| Vineland-Millville-Bridgeton, NJ | 2 | $ 376,000 | $ 188,000 | $ 88,000 |
| Waco, TX | 2 | $ 259,000 | $ 129,500 | $ 54,000 |
| Wenatchee, WA | 2 | $ 1,213,000 | $ 606,500 | $ 217,000 |
| Wichita, KS | 2 | $ 352,000 | $ 176,000 | $ 88,000 |
| Akron, OH | 1 | $ 157,000 | $ 157,000 | $ 63,000 |
| Altoona, PA | 1 | $ 175,000 | $ 175,000 | $ 67,000 |
| Anchorage, AK | 1 | $ 441,000 | $ 441,000 | $ 0 |
| Anderson, SC | 1 | $ 177,000 | $ 177,000 | $ 54,000 |
| Asheville, NC | 1 | $ 127,000 | $ 127,000 | $ 35,000 |
| Athens-Clarke County, GA | 1 | $ 176,000 | $ 176,000 | $ 73,000 |
| Beaumont-Port Arthur, TX | 1 | $ 145,000 | $ 145,000 | $ 43,000 |
| Billings, MT | 1 | $ 140,000 | $ 140,000 | $ 50,000 |
| Bradenton-Sarasota-Venice, FL | 1 | $ 152,000 | $ 152,000 | $ 154,000 |
| Cedar Rapids, IA | 1 | $ 179,000 | $ 179,000 | $ 45,000 |
| Chattanooga, TN-GA | 1 | $ 117,000 | $ 117,000 | $ 0 |
| Clarksville, TN-KY | 1 | $ 101,000 | $ 101,000 | $ 37,000 |
| College Station-Bryan, TX | 1 | $ 98,000 | $ 98,000 | $ 198,000 |
| Columbus, GA-AL | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Cumberland, MD-WV | 1 | $ 210,000 | $ 210,000 | $ 68,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 81,000 | $ 81,000 | $ 32,000 |
| Dayton, OH | 1 | $ 135,000 | $ 135,000 | $ 69,000 |
| Des Moines-West Des Moines, IA | 1 | $ 120,000 | $ 120,000 | $ 37,000 |
| Dover, DE | 1 | $ 288,000 | $ 288,000 | $ 0 |
| Dubuque, IA | 1 | $ 142,000 | $ 142,000 | $ 0 |
| Eau Claire, WI | 1 | $ 168,000 | $ 168,000 | $ 49,000 |
| Farmington, NM | 1 | $ 260,000 | $ 260,000 | $ 89,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 50,000 | $ 50,000 | $ 70,000 |
| Flagstaff, AZ | 1 | $ 281,000 | $ 281,000 | $ 65,000 |
| Gainesville, GA | 1 | $ 305,000 | $ 305,000 | $ 83,000 |
| Grand Forks, ND-MN | 1 | $ 227,000 | $ 227,000 | $ 110,000 |
| Gulfport-Biloxi, MS | 1 | $ 145,000 | $ 145,000 | $ 64,000 |
| Iowa City, IA | 1 | $ 236,000 | $ 236,000 | $ 78,000 |
| Jacksonville, FL | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Janesville, WI | 1 | $ 85,000 | $ 85,000 | $ 46,000 |
| Joplin, MO | 1 | $ 85,000 | $ 85,000 | $ 28,000 |
| Kalamazoo-Portage, MI | 1 | $ 49,000 | $ 49,000 | $ 69,000 |
| Kankakee-Bradley, IL | 1 | $ 340,000 | $ 340,000 | $ 90,000 |
| Kennewick-Pasco-Richland, WA | 1 | $ 128,000 | $ 128,000 | $ 53,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 124,000 | $ 124,000 | $ 0 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 177,000 | $ 177,000 | $ 62,000 |
| Lakeland-Winter Haven, FL | 1 | $ 114,000 | $ 114,000 | $ 28,000 |
| Lebanon, PA | 1 | $ 112,000 | $ 112,000 | $ 65,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 140,000 | $ 140,000 | $ 59,000 |
| Longview, WA | 1 | $ 205,000 | $ 205,000 | $ 39,000 |
| Louisville-Jefferson County, KY-IN | 1 | $ 204,000 | $ 204,000 | $ 90,000 |
| Lynchburg, VA | 1 | $ 40,000 | $ 40,000 | $ 26,000 |
| Madison, WI | 1 | $ 322,000 | $ 322,000 | $ 96,000 |
| Midland, TX | 1 | $ 120,000 | $ 120,000 | $ 42,000 |
| Niles-Benton Harbor, MI | 1 | $ 214,000 | $ 214,000 | $ 122,000 |
| Ocean City, NJ | 1 | $ 320,000 | $ 320,000 | $ 217,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 210,000 | $ 210,000 | $ 0 |
| Palm Coast, FL | 1 | $ 156,000 | $ 156,000 | $ 91,000 |
| Peoria, IL | 1 | $ 207,000 | $ 207,000 | $ 35,000 |
| Portland-South Portland-Biddeford, ME | 1 | $ 337,000 | $ 337,000 | $ 150,000 |
| Racine, WI | 1 | $ 134,000 | $ 134,000 | $ 80,000 |
| Rochester, MN | 1 | $ 131,000 | $ 131,000 | $ 65,000 |
| Saginaw-Saginaw Township North, MI | 1 | $ 52,000 | $ 52,000 | $ 57,000 |
| Salisbury, MD | 1 | $ 321,000 | $ 321,000 | $ 98,000 |
| Sandusky, OH | 1 | $ 228,000 | $ 228,000 | $ 100,000 |
| Sherman-Denison, TX | 1 | $ 620,000 | $ 620,000 | $ 205,000 |
| Springfield, IL | 1 | $ 31,000 | $ 31,000 | $ 15,000 |
| St. Joseph, MO-KS | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Tyler, TX | 1 | $ 79,000 | $ 79,000 | $ 98,000 |
| Valdosta, GA | 1 | $ 178,000 | $ 178,000 | $ 32,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 140,000 | $ 140,000 | $ 49,000 |
| Weirton-Steubenville, WV-OH | 1 | $ 85,000 | $ 85,000 | $ 44,000 |
| Wheeling, WV-OH | 1 | $ 188,000 | $ 188,000 | $ 77,000 |
| Yuma, AZ | 1 | $ 118,000 | $ 118,000 | $ 32,000 |
Mortgage Loan Application Detail Totals for Home Savings of America in 2008
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 | 3,374 | $997,227,000 | $295,000 | $2,081,000 | $110,000 | $2,607,000 |
| Home Purchase | 3,032 | $771,789,000 | $254,000 | $1,885,000 | $101,000 | $1,234,000 |
| Home Improvement | 12 | $7,172,000 | $597,000 | $1,000,000 | $211,000 | $643,000 |
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 | 3,322 | $934,959,000 | $281,000 | $2,081,000 | $114,000 | $2,607,000 |
| Hispanic | 945 | $231,373,000 | $244,000 | $861,000 | $79,000 | $736,000 |
| Not Provided | 888 | $270,047,000 | $304,000 | $1,725,000 | $121,000 | $1,797,000 |
| Black or African American | 621 | $132,548,000 | $213,000 | $850,000 | $78,000 | $474,000 |
| Asian | 585 | $188,613,000 | $322,000 | $1,470,000 | $112,000 | $666,000 |
| Native Hawaiian or Other Pacific Islander | 40 | $12,888,000 | $322,000 | $840,000 | $109,000 | $271,000 |
| American Indian or Alaskan Native | 17 | $5,760,000 | $338,000 | $1,040,000 | $146,000 | $414,000 |
| 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) | 4,646 | $1,387,740,000 | $298,000 | $2,081,000 | $120,000 | $2,607,000 |
| FHA-insured (Federal Housing Administration) | 1,651 | $362,381,000 | $219,000 | $814,000 | $72,000 | $1,234,000 |
| VA-guaranteed (Veterans Administration) | 121 | $26,067,000 | $215,000 | $544,000 | $37,000 | $172,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 2,632 | $795,185,000 | $302,000 | $2,081,000 | $119,000 | $2,607,000 |
| Loan Originated | 2,279 | $573,194,000 | $251,000 | $1,214,000 | $94,000 | $1,234,000 |
| Application Approved But Not Accepted | 1,215 | $329,626,000 | $271,000 | $1,500,000 | $101,000 | $976,000 |
| Application Withdrawn By Applicant | 233 | $61,354,000 | $263,000 | $1,350,000 | $118,000 | $1,029,000 |
| File Closed For Incompleteness | 59 | $16,829,000 | $285,000 | $1,155,000 | $91,000 | $291,000 |
| 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 | 622 | $198,417,000 | $318,000 | $1,436,000 | $94,000 | $1,871,000 |
| Collateral | 617 | $177,986,000 | $288,000 | $1,840,000 | $133,000 | $1,797,000 |
| Unverifiable Information | 552 | $175,481,000 | $317,000 | $1,989,000 | $131,000 | $1,250,000 |
| Credit History | 369 | $107,054,000 | $290,000 | $1,725,000 | $108,000 | $2,607,000 |
| Other | 212 | $63,105,000 | $297,000 | $2,081,000 | $160,000 | $1,214,000 |
| Employment History | 86 | $24,911,000 | $289,000 | $1,066,000 | $95,000 | $468,000 |
| Mortgage Insurance Denied | 73 | $17,279,000 | $236,000 | $585,000 | $81,000 | $309,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 58 | $17,640,000 | $304,000 | $1,000,000 | $115,000 | $736,000 |
| Credit Application Incomplete | 43 | $13,312,000 | $309,000 | $1,470,000 | $119,000 | $805,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Home Savings of America's 2008 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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