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(HMDA) records Home Savings of America filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Chicago-Naperville-Joliet, IL | 1,176 | $ 259,852,000 | $ 220,962 | $ 77,000 |
| Los Angeles-Long Beach-Glendale, CA | 1,143 | $ 381,878,000 | $ 334,101 | $ 105,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 891 | $ 263,155,000 | $ 295,347 | $ 76,815 |
| San Diego-Carlsbad-San Marcos, CA | 832 | $ 263,958,000 | $ 317,257 | $ 105,000 |
| Riverside-San Bernardino-Ontario, CA | 666 | $ 137,470,000 | $ 206,411 | $ 74,000 |
| Phoenix-Mesa-Scottsdale, AZ | 648 | $ 109,752,000 | $ 169,370 | $ 63,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 642 | $ 241,775,000 | $ 376,596 | $ 123,000 |
| Baltimore-Towson, MD | 591 | $ 140,198,000 | $ 237,221 | $ 66,000 |
| New York-White Plains-Wayne, NY-NJ | 527 | $ 177,328,000 | $ 336,485 | $ 112,149 |
| Santa Ana-Anaheim-Irvine, CA | 508 | $ 183,867,000 | $ 361,942 | $ 113,000 |
| Oakland-Fremont-Hayward, CA | 504 | $ 177,120,000 | $ 351,428 | $ 119,000 |
| Denver-Aurora-Broomfield, CO | 503 | $ 116,290,000 | $ 231,192 | $ 78,000 |
| Atlanta-Sandy Springs-Marietta, GA | 484 | $ 103,185,000 | $ 213,192 | $ 77,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 381 | $ 123,913,000 | $ 325,230 | $ 97,000 |
| San Francisco-San Mateo-Redwood City, CA | 358 | $ 147,173,000 | $ 411,097 | $ 121,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 321 | $ 69,368,000 | $ 216,099 | $ 76,747 |
| Kansas City, MO-KS | 305 | $ 50,910,000 | $ 166,918 | $ 55,626 |
| Providence-New Bedford-Fall River, RI-MA | 289 | $ 59,398,000 | $ 205,529 | $ 70,674 |
| Philadelphia, PA | 265 | $ 57,485,000 | $ 216,924 | $ 70,000 |
| Edison-New Brunswick, NJ | 241 | $ 71,308,000 | $ 295,883 | $ 94,000 |
| Bethesda-Frederick-Rockville, MD | 220 | $ 69,532,000 | $ 316,054 | $ 95,000 |
| Newark-Union, NJ-PA | 201 | $ 62,070,000 | $ 308,805 | $ 99,960 |
| Richmond, VA | 194 | $ 40,771,000 | $ 210,159 | $ 64,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 194 | $ 45,212,000 | $ 233,051 | $ 80,000 |
| Las Vegas-Paradise, NV | 192 | $ 40,765,000 | $ 212,317 | $ 34,000 |
| Colorado Springs, CO | 176 | $ 37,963,000 | $ 215,698 | $ 49,000 |
| Houston-Sugar Land-Baytown, TX | 176 | $ 29,953,000 | $ 170,187 | $ 66,000 |
| Camden, NJ | 170 | $ 34,726,000 | $ 204,270 | $ 74,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 151 | $ 32,864,000 | $ 217,642 | $ 42,331 |
| Portland-Vancouver-Beaverton, OR-WA | 147 | $ 35,284,000 | $ 240,027 | $ 60,204 |
| Boston-Quincy, MA | 141 | $ 39,453,000 | $ 279,808 | $ 86,000 |
| Nassau-Suffolk, NY | 141 | $ 45,833,000 | $ 325,056 | $ 118,000 |
| Seattle-Bellevue-Everett, WA | 134 | $ 40,384,000 | $ 301,373 | $ 79,000 |
| Lake County-Kenosha County, IL-WI | 119 | $ 29,001,000 | $ 243,705 | $ 97,521 |
| Cambridge-Newton-Framingham, MA | 113 | $ 34,356,000 | $ 304,035 | $ 88,000 |
| Albany-Schenectady-Troy, NY | 109 | $ 19,247,000 | $ 176,577 | $ 69,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 105 | $ 26,175,000 | $ 249,285 | $ 81,000 |
| Tampa-St. Petersburg-Clearwater, FL | 103 | $ 17,533,000 | $ 170,223 | $ 37,000 |
| Charlotte-Gastonia-Concord, NC-SC | 100 | $ 19,314,000 | $ 193,140 | $ 35,460 |
| Rochester, NY | 100 | $ 13,319,000 | $ 133,190 | $ 70,000 |
| Salt Lake City, UT | 92 | $ 21,634,000 | $ 235,152 | $ 68,000 |
| St. Louis, MO-IL | 92 | $ 15,744,000 | $ 171,130 | $ 37,130 |
| Bridgeport-Stamford-Norwalk, CT | 89 | $ 27,218,000 | $ 305,820 | $ 109,000 |
| Buffalo-Niagara Falls, NY | 89 | $ 12,327,000 | $ 138,505 | $ 62,000 |
| Dallas-Plano-Irving, TX | 88 | $ 18,205,000 | $ 206,875 | $ 56,000 |
| Ogden-Clearfield, UT | 81 | $ 17,079,000 | $ 210,851 | $ 43,000 |
| Wilmington, DE-MD-NJ | 79 | $ 17,931,000 | $ 226,974 | $ 70,683 |
| New Haven-Milford, CT | 75 | $ 15,713,000 | $ 209,506 | $ 82,000 |
| Albuquerque, NM | 70 | $ 12,738,000 | $ 181,971 | $ 35,000 |
| Stockton, CA | 70 | $ 14,248,000 | $ 203,542 | $ 71,000 |
| Atlantic City-Hammonton, NJ | 69 | $ 15,932,000 | $ 230,898 | $ 106,000 |
| New Orleans-Metairie-Kenner, LA | 65 | $ 10,926,000 | $ 168,092 | $ 48,000 |
| Tucson, AZ | 65 | $ 12,809,000 | $ 197,061 | $ 49,000 |
| Baton Rouge, LA | 64 | $ 10,729,000 | $ 167,640 | $ 52,000 |
| Raleigh-Cary, NC | 64 | $ 13,127,000 | $ 205,109 | $ 34,000 |
| Pittsburgh, PA | 63 | $ 11,486,000 | $ 182,317 | $ 56,000 |
| Tacoma, WA | 63 | $ 15,676,000 | $ 248,825 | $ 43,000 |
| Boulder, CO | 56 | $ 17,852,000 | $ 318,785 | $ 112,000 |
| Hartford-West Hartford-East Hartford, CT | 56 | $ 14,166,000 | $ 252,964 | $ 62,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 55 | $ 9,658,000 | $ 175,600 | $ 36,000 |
| San Antonio, TX | 54 | $ 10,063,000 | $ 186,351 | $ 40,000 |
| Cleveland-Elyria-Mentor, OH | 52 | $ 8,952,000 | $ 172,153 | $ 64,000 |
| Trenton-Ewing, NJ | 52 | $ 13,286,000 | $ 255,500 | $ 96,000 |
| Santa Rosa-Petaluma, CA | 51 | $ 16,406,000 | $ 321,686 | $ 131,000 |
| York-Hanover, PA | 51 | $ 10,065,000 | $ 197,352 | $ 51,000 |
| Jacksonville, FL | 50 | $ 11,132,000 | $ 222,640 | $ 19,000 |
| Peabody, MA | 50 | $ 14,440,000 | $ 288,800 | $ 85,000 |
| Worcester, MA | 50 | $ 11,493,000 | $ 229,860 | $ 67,000 |
| Orlando-Kissimmee, FL | 48 | $ 10,736,000 | $ 223,666 | $ 52,000 |
| Fort Worth-Arlington, TX | 47 | $ 8,912,000 | $ 189,617 | $ 53,000 |
| Syracuse, NY | 45 | $ 7,058,000 | $ 156,844 | $ 70,000 |
| Bakersfield, CA | 44 | $ 7,643,000 | $ 173,704 | $ 44,000 |
| Provo-Orem, UT | 44 | $ 10,240,000 | $ 232,727 | $ 72,000 |
| Gary, IN | 42 | $ 7,787,000 | $ 185,404 | $ 53,000 |
| Boise City-Nampa, ID | 41 | $ 7,862,000 | $ 191,756 | $ 44,000 |
| Las Cruces, NM | 40 | $ 6,154,000 | $ 153,850 | $ 44,000 |
| Vallejo-Fairfield, CA | 40 | $ 8,317,000 | $ 207,925 | $ 60,000 |
| Austin-Round Rock, TX | 38 | $ 8,987,000 | $ 236,500 | $ 72,000 |
| Modesto, CA | 38 | $ 6,088,000 | $ 160,210 | $ 63,000 |
| Honolulu, HI | 37 | $ 12,835,000 | $ 346,891 | $ 39,000 |
| El Paso, TX | 35 | $ 5,565,000 | $ 159,000 | $ 60,000 |
| Fort Collins-Loveland, CO | 35 | $ 6,875,000 | $ 196,428 | $ 69,000 |
| Manchester-Nashua, NH | 33 | $ 7,519,000 | $ 227,848 | $ 65,000 |
| Memphis, TN-MS-AR | 33 | $ 5,373,000 | $ 162,818 | $ 44,000 |
| Milwaukee-Waukesha-West Allis, WI | 33 | $ 6,978,000 | $ 211,454 | $ 56,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 32 | $ 6,487,000 | $ 202,718 | $ 40,500 |
| Warren-Troy-Farmington Hills, MI | 32 | $ 6,008,000 | $ 187,750 | $ 38,000 |
| Dover, DE | 31 | $ 6,636,000 | $ 214,064 | $ 35,000 |
| Greeley, CO | 31 | $ 6,698,000 | $ 216,064 | $ 67,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 31 | $ 10,848,000 | $ 349,935 | $ 101,000 |
| Tulsa, OK | 31 | $ 5,736,000 | $ 185,032 | $ 35,000 |
| Jackson, MS | 28 | $ 4,681,000 | $ 167,178 | $ 62,000 |
| Fayetteville, NC | 27 | $ 5,602,000 | $ 207,481 | $ 8,000 |
| Salinas, CA | 27 | $ 7,715,000 | $ 285,740 | $ 91,000 |
| Birmingham-Hoover, AL | 26 | $ 4,981,000 | $ 191,576 | $ 31,000 |
| Portland-South Portland-Biddeford, ME | 26 | $ 5,918,000 | $ 227,615 | $ 62,000 |
| Rockingham County-Strafford County, NH | 26 | $ 6,817,000 | $ 262,192 | $ 91,000 |
| Binghamton, NY | 25 | $ 3,622,000 | $ 144,880 | $ 68,000 |
| Cincinnati-Middletown, OH-KY-IN | 25 | $ 4,333,000 | $ 173,320 | $ 12,920 |
| Hagerstown-Martinsburg, MD-WV | 25 | $ 5,649,000 | $ 225,960 | $ 38,480 |
| Jacksonville, NC | 25 | $ 4,021,000 | $ 160,840 | $ 5,000 |
| Lancaster, PA | 25 | $ 4,236,000 | $ 169,440 | $ 49,000 |
| Missoula, MT | 25 | $ 4,917,000 | $ 196,680 | $ 50,000 |
| Anchorage, AK | 24 | $ 7,004,000 | $ 291,833 | $ 29,000 |
| Detroit-Livonia-Dearborn, MI | 24 | $ 3,313,000 | $ 138,041 | $ 61,000 |
| Grand Junction, CO | 24 | $ 5,390,000 | $ 224,583 | $ 51,000 |
| Greensboro-High Point, NC | 24 | $ 3,693,000 | $ 153,875 | $ 5,000 |
| Greenville-Mauldin-Easley, SC | 24 | $ 3,437,000 | $ 143,208 | $ 52,000 |
| Harrisburg-Carlisle, PA | 24 | $ 4,326,000 | $ 180,250 | $ 48,000 |
| Fresno, CA | 23 | $ 5,402,000 | $ 234,869 | $ 45,000 |
| Little Rock-North Little Rock-Conway, AR | 23 | $ 4,805,000 | $ 208,913 | $ 20,000 |
| Oklahoma City, OK | 23 | $ 4,469,000 | $ 194,304 | $ 35,000 |
| Pueblo, CO | 23 | $ 3,756,000 | $ 163,304 | $ 54,000 |
| Wichita, KS | 23 | $ 3,493,000 | $ 151,869 | $ 21,000 |
| Glens Falls, NY | 22 | $ 4,022,000 | $ 182,818 | $ 79,000 |
| Lake Havasu City-Kingman, AZ | 22 | $ 4,035,000 | $ 183,409 | $ 66,000 |
| Akron, OH | 21 | $ 3,537,000 | $ 168,428 | $ 48,000 |
| Columbia, SC | 21 | $ 4,457,000 | $ 212,238 | $ 15,000 |
| Olympia, WA | 21 | $ 5,123,000 | $ 243,952 | $ 57,000 |
| Reno-Sparks, NV | 21 | $ 3,973,000 | $ 189,190 | $ 79,000 |
| Springfield, MA | 21 | $ 5,079,000 | $ 241,857 | $ 68,000 |
| Reading, PA | 20 | $ 3,627,000 | $ 181,350 | $ 45,000 |
| Grand Rapids-Wyoming, MI | 19 | $ 2,796,000 | $ 147,157 | $ 49,000 |
| Louisville-Jefferson County, KY-IN | 19 | $ 5,067,000 | $ 266,684 | $ 47,842 |
| Omaha-Council Bluffs, NE-IA | 19 | $ 3,426,000 | $ 180,315 | $ 16,105 |
| Salem, OR | 19 | $ 3,656,000 | $ 192,421 | $ 28,000 |
| San Luis Obispo-Paso Robles, CA | 19 | $ 7,033,000 | $ 370,157 | $ 86,000 |
| Columbus, GA-AL | 18 | $ 4,116,000 | $ 228,666 | $ 16,666 |
| Knoxville, TN | 18 | $ 3,548,000 | $ 197,111 | $ 67,000 |
| Ocean City, NJ | 18 | $ 4,298,000 | $ 238,777 | $ 134,000 |
| Hanford-Corcoran, CA | 17 | $ 3,747,000 | $ 220,411 | $ 33,000 |
| Norwich-New London, CT | 17 | $ 3,928,000 | $ 231,058 | $ 48,000 |
| Pensacola-Ferry Pass-Brent, FL | 17 | $ 3,690,000 | $ 217,058 | $ 20,000 |
| Shreveport-Bossier City, LA | 17 | $ 2,649,000 | $ 155,823 | $ 19,000 |
| Vineland-Millville-Bridgeton, NJ | 17 | $ 2,706,000 | $ 159,176 | $ 47,000 |
| Columbus, OH | 16 | $ 3,002,000 | $ 187,625 | $ 22,000 |
| Eugene-Springfield, OR | 16 | $ 2,882,000 | $ 180,125 | $ 24,000 |
| Indianapolis-Carmel, IN | 16 | $ 2,906,000 | $ 181,625 | $ 25,000 |
| Manhattan, KS | 16 | $ 2,846,000 | $ 177,875 | $ 14,000 |
| Merced, CA | 16 | $ 2,090,000 | $ 130,625 | $ 46,000 |
| Topeka, KS | 16 | $ 2,187,000 | $ 136,687 | $ 48,000 |
| Barnstable Town, MA | 15 | $ 4,101,000 | $ 273,400 | $ 70,000 |
| Huntsville, AL | 15 | $ 2,340,000 | $ 156,000 | $ 56,000 |
| Killeen-Temple-Fort Hood, TX | 15 | $ 2,654,000 | $ 176,933 | $ 17,000 |
| Montgomery, AL | 15 | $ 2,991,000 | $ 199,400 | $ 28,000 |
| Palm Bay-Melbourne-Titusville, FL | 15 | $ 3,249,000 | $ 216,600 | $ 16,000 |
| Port St. Lucie, FL | 15 | $ 2,109,000 | $ 140,600 | $ 49,000 |
| Rockford, IL | 15 | $ 2,467,000 | $ 164,466 | $ 15,000 |
| Savannah, GA | 15 | $ 3,224,000 | $ 214,933 | $ 34,000 |
| Wilmington, NC | 15 | $ 2,804,000 | $ 186,933 | $ 36,000 |
| Winston-Salem, NC | 15 | $ 1,827,000 | $ 121,800 | $ 16,000 |
| Bradenton-Sarasota-Venice, FL | 14 | $ 3,334,000 | $ 238,142 | $ 71,000 |
| Champaign-Urbana, IL | 14 | $ 1,779,000 | $ 127,071 | $ 60,000 |
| Charleston-North Charleston-Summerville, SC | 14 | $ 2,842,000 | $ 203,000 | $ 11,000 |
| Gainesville, GA | 14 | $ 3,235,000 | $ 231,071 | $ 87,000 |
| Logan, UT-ID | 14 | $ 2,730,000 | $ 195,000 | $ 46,500 |
| Prescott, AZ | 14 | $ 3,035,000 | $ 216,785 | $ 43,000 |
| Roanoke, VA | 14 | $ 2,369,000 | $ 169,214 | $ 25,000 |
| Visalia-Porterville, CA | 14 | $ 3,390,000 | $ 242,142 | $ 80,000 |
| Augusta-Richmond County, GA-SC | 13 | $ 2,347,000 | $ 180,538 | $ 20,307 |
| Bremerton-Silverdale, WA | 13 | $ 3,495,000 | $ 268,846 | $ 29,000 |
| Clarksville, TN-KY | 13 | $ 2,196,000 | $ 168,923 | $ 0 |
| Dayton, OH | 13 | $ 2,470,000 | $ 190,000 | $ 14,000 |
| Fort Wayne, IN | 13 | $ 1,394,000 | $ 107,230 | $ 43,000 |
| Kingston, NY | 13 | $ 2,140,000 | $ 164,615 | $ 60,000 |
| Scranton--Wilkes-Barre, PA | 13 | $ 2,083,000 | $ 160,230 | $ 47,000 |
| Yuma, AZ | 13 | $ 2,532,000 | $ 194,769 | $ 108,000 |
| Burlington-South Burlington, VT | 12 | $ 2,712,000 | $ 226,000 | $ 33,000 |
| Coeur D'Alene, ID | 12 | $ 2,741,000 | $ 228,416 | $ 23,000 |
| Duluth, MN-WI | 12 | $ 2,145,000 | $ 178,750 | $ 78,250 |
| Durham-Chapel Hill, NC | 12 | $ 2,322,000 | $ 193,500 | $ 20,000 |
| Santa Cruz-Watsonville, CA | 12 | $ 4,664,000 | $ 388,666 | $ 142,000 |
| Spokane, WA | 12 | $ 2,385,000 | $ 198,750 | $ 53,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 11 | $ 2,096,000 | $ 190,545 | $ 32,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 11 | $ 2,515,000 | $ 228,636 | $ 30,000 |
| Fort Walton Beach-Crestview-Destin, FL | 11 | $ 2,362,000 | $ 214,727 | $ 14,000 |
| Gulfport-Biloxi, MS | 11 | $ 2,095,000 | $ 190,454 | $ 3,000 |
| Mobile, AL | 11 | $ 1,750,000 | $ 159,090 | $ 39,000 |
| Pascagoula, MS | 11 | $ 1,817,000 | $ 165,181 | $ 35,000 |
| Springfield, MO | 11 | $ 1,461,000 | $ 132,818 | $ 38,000 |
| Asheville, NC | 10 | $ 1,778,000 | $ 177,800 | $ 16,000 |
| Bellingham, WA | 10 | $ 2,384,000 | $ 238,400 | $ 68,000 |
| Charlottesville, VA | 10 | $ 2,586,000 | $ 258,600 | $ 48,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 10 | $ 2,231,000 | $ 223,100 | $ 52,000 |
| Hinesville-Fort Stewart, GA | 10 | $ 1,549,000 | $ 154,900 | $ 6,000 |
| Kennewick-Pasco-Richland, WA | 10 | $ 2,006,000 | $ 200,600 | $ 5,000 |
| Lakeland-Winter Haven, FL | 10 | $ 1,742,000 | $ 174,200 | $ 58,000 |
| Lansing-East Lansing, MI | 10 | $ 1,639,000 | $ 163,900 | $ 27,000 |
| Springfield, IL | 10 | $ 1,511,000 | $ 151,100 | $ 27,000 |
| St. George, UT | 10 | $ 2,458,000 | $ 245,800 | $ 81,000 |
| Yuba City, CA | 10 | $ 1,687,000 | $ 168,700 | $ 17,000 |
| Lynchburg, VA | 9 | $ 1,871,000 | $ 207,888 | $ 22,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 9 | $ 1,667,000 | $ 185,222 | $ 138,000 |
| Billings, MT | 8 | $ 1,454,000 | $ 181,750 | $ 42,000 |
| Chattanooga, TN-GA | 8 | $ 1,563,000 | $ 195,375 | $ 53,250 |
| Napa, CA | 8 | $ 2,404,000 | $ 300,500 | $ 326,000 |
| Peoria, IL | 8 | $ 965,000 | $ 120,625 | $ 17,000 |
| Tallahassee, FL | 8 | $ 1,656,000 | $ 207,000 | $ 74,000 |
| Utica-Rome, NY | 8 | $ 1,192,000 | $ 149,000 | $ 57,000 |
| Valdosta, GA | 8 | $ 1,497,000 | $ 187,125 | $ 12,000 |
| Warner Robins, GA | 8 | $ 1,599,000 | $ 199,875 | $ 18,000 |
| Albany, GA | 7 | $ 1,227,000 | $ 175,285 | $ 5,000 |
| Anderson, SC | 7 | $ 1,015,000 | $ 145,000 | $ 45,000 |
| Beaumont-Port Arthur, TX | 7 | $ 1,110,000 | $ 158,571 | $ 88,000 |
| Chico, CA | 7 | $ 1,710,000 | $ 244,285 | $ 27,000 |
| Corpus Christi, TX | 7 | $ 1,228,000 | $ 175,428 | $ 38,000 |
| Fairbanks, AK | 7 | $ 1,729,000 | $ 247,000 | $ 0 |
| Hickory-Lenoir-Morganton, NC | 7 | $ 1,163,000 | $ 166,142 | $ 43,000 |
| Kalamazoo-Portage, MI | 7 | $ 978,000 | $ 139,714 | $ 30,000 |
| Lafayette, LA | 7 | $ 1,604,000 | $ 229,142 | $ 68,000 |
| Madison, WI | 7 | $ 1,651,000 | $ 235,857 | $ 26,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 7 | $ 1,558,000 | $ 222,571 | $ 7,000 |
| Salisbury, MD | 7 | $ 1,347,000 | $ 192,428 | $ 38,000 |
| Auburn-Opelika, AL | 6 | $ 1,000,000 | $ 166,666 | $ 6,000 |
| Bend, OR | 6 | $ 1,639,000 | $ 273,166 | $ 54,000 |
| Bloomington-Normal, IL | 6 | $ 1,097,000 | $ 182,833 | $ 42,000 |
| Burlington, NC | 6 | $ 953,000 | $ 158,833 | $ 5,000 |
| Cape Coral-Fort Myers, FL | 6 | $ 1,121,000 | $ 186,833 | $ 35,000 |
| Decatur, AL | 6 | $ 965,000 | $ 160,833 | $ 29,000 |
| Des Moines-West Des Moines, IA | 6 | $ 1,428,000 | $ 238,000 | $ 33,000 |
| Farmington, NM | 6 | $ 1,518,000 | $ 253,000 | $ 29,000 |
| Fort Smith, AR-OK | 6 | $ 1,154,000 | $ 192,333 | $ 15,833 |
| Houma-Bayou Cane-Thibodaux, LA | 6 | $ 991,000 | $ 165,166 | $ 42,000 |
| Kankakee-Bradley, IL | 6 | $ 1,106,000 | $ 184,333 | $ 52,000 |
| Lawrence, KS | 6 | $ 708,000 | $ 118,000 | $ 48,000 |
| Lawton, OK | 6 | $ 1,443,000 | $ 240,500 | $ 26,000 |
| Lincoln, NE | 6 | $ 966,000 | $ 161,000 | $ 10,000 |
| Macon, GA | 6 | $ 722,000 | $ 120,333 | $ 78,000 |
| Mount Vernon-Anacortes, WA | 6 | $ 1,213,000 | $ 202,166 | $ 34,000 |
| Toledo, OH | 6 | $ 1,087,000 | $ 181,166 | $ 20,000 |
| Tuscaloosa, AL | 6 | $ 952,000 | $ 158,666 | $ 36,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 6 | $ 1,354,000 | $ 225,666 | $ 131,000 |
| Yakima, WA | 6 | $ 1,141,000 | $ 190,166 | $ 13,000 |
| Youngstown-Warren-Boardman, OH-PA | 6 | $ 857,000 | $ 142,833 | $ 6,000 |
| Casper, WY | 5 | $ 961,000 | $ 192,200 | $ 79,000 |
| Charleston, WV | 5 | $ 831,000 | $ 166,200 | $ 10,000 |
| Cheyenne, WY | 5 | $ 881,000 | $ 176,200 | $ 0 |
| Cumberland, MD-WV | 5 | $ 566,000 | $ 113,200 | $ 40,000 |
| Elizabethtown, KY | 5 | $ 1,374,000 | $ 274,800 | $ 0 |
| Elmira, NY | 5 | $ 618,000 | $ 123,600 | $ 74,000 |
| Flagstaff, AZ | 5 | $ 1,313,000 | $ 262,600 | $ 70,000 |
| Johnson City, TN | 5 | $ 606,000 | $ 121,200 | $ 37,000 |
| Lexington-Fayette, KY | 5 | $ 1,060,000 | $ 212,000 | $ 0 |
| Longview, WA | 5 | $ 1,187,000 | $ 237,400 | $ 35,000 |
| Lubbock, TX | 5 | $ 1,131,000 | $ 226,200 | $ 33,000 |
| Madera-Chowchilla, CA | 5 | $ 1,224,000 | $ 244,800 | $ 78,000 |
| Mankato-North Mankato, MN | 5 | $ 832,000 | $ 166,400 | $ 83,000 |
| McAllen-Edinburg-Mission, TX | 5 | $ 666,000 | $ 133,200 | $ 32,000 |
| Medford, OR | 5 | $ 1,152,000 | $ 230,400 | $ 14,000 |
| Miami-Miami Beach-Kendall, FL | 5 | $ 1,115,000 | $ 223,000 | $ 48,000 |
| Morristown, TN | 5 | $ 1,029,000 | $ 205,800 | $ 32,000 |
| Niles-Benton Harbor, MI | 5 | $ 595,000 | $ 119,000 | $ 21,000 |
| Palm Coast, FL | 5 | $ 1,395,000 | $ 279,000 | $ 135,000 |
| Pine Bluff, AR | 5 | $ 1,026,000 | $ 205,200 | $ 31,000 |
| Rochester, MN | 5 | $ 915,000 | $ 183,000 | $ 52,000 |
| St. Cloud, MN | 5 | $ 983,000 | $ 196,600 | $ 71,000 |
| Tyler, TX | 5 | $ 1,202,000 | $ 240,400 | $ 49,000 |
| Wichita Falls, TX | 5 | $ 862,000 | $ 172,400 | $ 39,000 |
| Athens-Clarke County, GA | 4 | $ 999,000 | $ 249,750 | $ 64,000 |
| Bangor, ME | 4 | $ 749,000 | $ 187,250 | $ 27,000 |
| Battle Creek, MI | 4 | $ 471,000 | $ 117,750 | $ 34,000 |
| Canton-Massillon, OH | 4 | $ 697,000 | $ 174,250 | $ 22,000 |
| Dalton, GA | 4 | $ 522,000 | $ 130,500 | $ 16,000 |
| Eau Claire, WI | 4 | $ 690,000 | $ 172,500 | $ 0 |
| El Centro, CA | 4 | $ 622,000 | $ 155,500 | $ 38,000 |
| Erie, PA | 4 | $ 578,000 | $ 144,500 | $ 41,000 |
| Idaho Falls, ID | 4 | $ 739,000 | $ 184,750 | $ 40,000 |
| Ithaca, NY | 4 | $ 1,070,000 | $ 267,500 | $ 55,000 |
| Joplin, MO | 4 | $ 594,000 | $ 148,500 | $ 22,000 |
| Lake Charles, LA | 4 | $ 756,000 | $ 189,000 | $ 28,000 |
| Morgantown, WV | 4 | $ 707,000 | $ 176,750 | $ 0 |
| Ocala, FL | 4 | $ 746,000 | $ 186,500 | $ 33,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 4 | $ 782,000 | $ 195,500 | $ 41,500 |
| Racine, WI | 4 | $ 950,000 | $ 237,500 | $ 52,000 |
| Redding, CA | 4 | $ 754,000 | $ 188,500 | $ 27,000 |
| Spartanburg, SC | 4 | $ 730,000 | $ 182,500 | $ 31,000 |
| St. Joseph, MO-KS | 4 | $ 760,000 | $ 190,000 | $ 36,000 |
| Wenatchee-East Wenatchee, WA | 4 | $ 844,000 | $ 211,000 | $ 20,000 |
| Altoona, PA | 3 | $ 457,000 | $ 152,333 | $ 77,000 |
| Amarillo, TX | 3 | $ 431,000 | $ 143,666 | $ 19,000 |
| Anderson, IN | 3 | $ 377,000 | $ 125,666 | $ 34,000 |
| Ann Arbor, MI | 3 | $ 635,000 | $ 211,666 | $ 39,000 |
| Appleton, WI | 3 | $ 428,000 | $ 142,666 | $ 46,000 |
| Brunswick, GA | 3 | $ 870,000 | $ 290,000 | $ 123,000 |
| Cedar Rapids, IA | 3 | $ 487,000 | $ 162,333 | $ 36,000 |
| Columbia, MO | 3 | $ 510,000 | $ 170,000 | $ 60,000 |
| Davenport-Moline-Rock Island, IA-IL | 3 | $ 582,000 | $ 194,000 | $ 0 |
| Decatur, IL | 3 | $ 570,000 | $ 190,000 | $ 30,000 |
| Dothan, AL | 3 | $ 510,000 | $ 170,000 | $ 52,000 |
| Dubuque, IA | 3 | $ 429,000 | $ 143,000 | $ 0 |
| Great Falls, MT | 3 | $ 647,000 | $ 215,666 | $ 0 |
| Greenville, NC | 3 | $ 705,000 | $ 235,000 | $ 70,000 |
| Hot Springs, AR | 3 | $ 450,000 | $ 150,000 | $ 25,000 |
| Huntington-Ashland, WV-KY-OH | 3 | $ 579,000 | $ 193,000 | $ 63,333 |
| Jonesboro, AR | 3 | $ 524,000 | $ 174,666 | $ 0 |
| Lafayette, IN | 3 | $ 512,000 | $ 170,666 | $ 59,000 |
| Lebanon, PA | 3 | $ 582,000 | $ 194,000 | $ 34,000 |
| Michigan City-La Porte, IN | 3 | $ 597,000 | $ 199,000 | $ 27,000 |
| Monroe, LA | 3 | $ 542,000 | $ 180,666 | $ 9,000 |
| Punta Gorda, FL | 3 | $ 465,000 | $ 155,000 | $ 16,000 |
| Rocky Mount, NC | 3 | $ 507,000 | $ 169,000 | $ 17,000 |
| Sioux Falls, SD | 3 | $ 563,000 | $ 187,666 | $ 56,000 |
| Springfield, OH | 3 | $ 485,000 | $ 161,666 | $ 18,000 |
| State College, PA | 3 | $ 377,000 | $ 125,666 | $ 44,000 |
| Waco, TX | 3 | $ 445,000 | $ 148,333 | $ 28,000 |
| Alexandria, LA | 2 | $ 397,000 | $ 198,500 | $ 54,000 |
| Anniston-Oxford, AL | 2 | $ 492,000 | $ 246,000 | $ 43,000 |
| Blacksburg-Christiansburg-Radford, VA | 2 | $ 353,000 | $ 176,500 | $ 27,000 |
| Brownsville-Harlingen, TX | 2 | $ 390,000 | $ 195,000 | $ 49,000 |
| Cleveland, TN | 2 | $ 463,000 | $ 231,500 | $ 69,000 |
| Elkhart-Goshen, IN | 2 | $ 285,000 | $ 142,500 | $ 27,000 |
| Fargo, ND-MN | 2 | $ 269,000 | $ 134,500 | $ 26,000 |
| Flint, MI | 2 | $ 185,000 | $ 92,500 | $ 18,000 |
| Grand Forks, ND-MN | 2 | $ 450,000 | $ 225,000 | $ 59,000 |
| Harrisonburg, VA | 2 | $ 513,000 | $ 256,500 | $ 38,000 |
| Hattiesburg, MS | 2 | $ 377,000 | $ 188,500 | $ 77,000 |
| Jackson, MI | 2 | $ 338,000 | $ 169,000 | $ 40,000 |
| Janesville, WI | 2 | $ 444,000 | $ 222,000 | $ 39,000 |
| Jefferson City, MO | 2 | $ 433,000 | $ 216,500 | $ 0 |
| Lewiston, ID-WA | 2 | $ 343,000 | $ 171,500 | $ 22,000 |
| Lewiston-Auburn, ME | 2 | $ 426,000 | $ 213,000 | $ 0 |
| Longview, TX | 2 | $ 433,000 | $ 216,500 | $ 0 |
| Muskegon-Norton Shores, MI | 2 | $ 269,000 | $ 134,500 | $ 0 |
| Rapid City, SD | 2 | $ 409,000 | $ 204,500 | $ 161,000 |
| Saginaw-Saginaw Township North, MI | 2 | $ 260,000 | $ 130,000 | $ 0 |
| Santa Fe, NM | 2 | $ 204,000 | $ 102,000 | $ 44,000 |
| Sebastian-Vero Beach, FL | 2 | $ 251,000 | $ 125,500 | $ 46,000 |
| Sheboygan, WI | 2 | $ 232,000 | $ 116,000 | $ 0 |
| Sherman-Denison, TX | 2 | $ 353,000 | $ 176,500 | $ 96,000 |
| Sumter, SC | 2 | $ 395,000 | $ 197,500 | $ 31,000 |
| Texarkana, Tx-Texarkana, AR | 2 | $ 405,000 | $ 202,500 | $ 0 |
| Waterloo-Cedar Falls, IA | 2 | $ 442,000 | $ 221,000 | $ 50,000 |
| Abilene, TX | 1 | $ 167,000 | $ 167,000 | $ 0 |
| Bismarck, ND | 1 | $ 154,000 | $ 154,000 | $ 48,000 |
| Bowling Green, KY | 1 | $ 301,000 | $ 301,000 | $ 0 |
| College Station-Bryan, TX | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Florence, SC | 1 | $ 146,000 | $ 146,000 | $ 77,000 |
| Gadsden, AL | 1 | $ 129,000 | $ 129,000 | $ 0 |
| Gainesville, FL | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Goldsboro, NC | 1 | $ 204,000 | $ 204,000 | $ 71,000 |
| Green Bay, WI | 1 | $ 161,000 | $ 161,000 | $ 86,000 |
| Holland-Grand Haven, MI | 1 | $ 183,000 | $ 183,000 | $ 71,000 |
| Iowa City, IA | 1 | $ 156,000 | $ 156,000 | $ 0 |
| Jackson, TN | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Johnstown, PA | 1 | $ 99,000 | $ 99,000 | $ 34,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 180,000 | $ 180,000 | $ 36,000 |
| Kokomo, IN | 1 | $ 120,000 | $ 120,000 | $ 54,000 |
| La Crosse, WI-MN | 1 | $ 159,000 | $ 159,000 | $ 0 |
| Lima, OH | 1 | $ 67,000 | $ 67,000 | $ 0 |
| Midland, TX | 1 | $ 228,000 | $ 228,000 | $ 0 |
| Monroe, MI | 1 | $ 187,000 | $ 187,000 | $ 0 |
| Naples-Marco Island, FL | 1 | $ 232,000 | $ 232,000 | $ 108,000 |
| Oshkosh-Neenah, WI | 1 | $ 160,000 | $ 160,000 | $ 118,000 |
| Owensboro, KY | 1 | $ 184,000 | $ 184,000 | $ 0 |
| Pittsfield, MA | 1 | $ 78,000 | $ 78,000 | $ 20,000 |
| San Angelo, TX | 1 | $ 178,000 | $ 178,000 | $ 0 |
| Sandusky, OH | 1 | $ 154,000 | $ 154,000 | $ 0 |
| Sioux City, IA-NE-SD | 1 | $ 174,000 | $ 174,000 | $ 0 |
| Victoria, TX | 1 | $ 107,000 | $ 107,000 | $ 0 |
| Weirton-Steubenville, WV-OH | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Winchester, VA-WV | 1 | $ 395,000 | $ 395,000 | $ 113,000 |
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.
For a list of all lenders in Minnesota, download the full spreadsheet
with aggregated HMDA statistics today.
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