Homeland Capital Mortgage Mortgage Lending & HMDA Data, 2006
In 2006, Homeland Capital Mortgage of Carmel, IN reported 9,431 mortgage applications totaling $959.4 million, up 59% from 2005. The average application was for $101,727, and applicants reported an average income of $38,310. 31% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Denver-Aurora, CO (309), Warren-Troy-Farmington Hills, MI (294) and Detroit-Livonia-Dearborn, MI (280) (applications in parentheses).
| Mortgage Company & Address | Homeland Capital Mortgage 600 E Carmel Dr, Suite 110 Carmel, IN 46033 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 9,431 |
| Total Mortgage Loan Application Amount | $959,390,000 |
| Average Mortgage Loan Application Amount | $101,727 |
| Highest Mortgage Loan Application Amount | $1,540,000 |
| Average Applicant Income | $38,310 |
| Highest Applicant Income | $1,176,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Homeland Capital Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Denver-Aurora, CO | 309 | $ 26,421,000 | $ 85,504 | $ 55,000 |
| Warren-Troy-Farmington Hills, MI | 294 | $ 38,253,000 | $ 130,112 | $ 55,000 |
| Detroit-Livonia-Dearborn, MI | 280 | $ 28,456,000 | $ 101,628 | $ 45,000 |
| Cincinnati-Middletown, OH-KY-IN | 193 | $ 22,401,000 | $ 116,067 | $ 43,347 |
| Colorado Springs, CO | 155 | $ 10,807,000 | $ 69,722 | $ 56,000 |
| Louisville-Jefferson County, KY-IN | 136 | $ 12,347,000 | $ 90,786 | $ 42,176 |
| Indianapolis-Carmel, IN | 100 | $ 11,567,000 | $ 115,670 | $ 58,000 |
| Atlanta-Sandy Springs-Marietta, GA | 95 | $ 12,371,000 | $ 130,221 | $ 56,000 |
| Columbus, OH | 95 | $ 12,341,000 | $ 129,905 | $ 42,000 |
| Kalamazoo-Portage, MI | 89 | $ 9,897,000 | $ 111,202 | $ 42,000 |
| Grand Rapids-Wyoming, MI | 88 | $ 10,216,000 | $ 116,090 | $ 34,000 |
| Lansing-East Lansing, MI | 84 | $ 8,634,000 | $ 102,785 | $ 33,000 |
| St. Louis, MO-IL | 82 | $ 7,740,000 | $ 94,390 | $ 42,951 |
| Toledo, OH | 59 | $ 6,491,000 | $ 110,016 | $ 34,000 |
| Dayton, OH | 51 | $ 5,270,000 | $ 103,333 | $ 37,000 |
| Chicago-Naperville-Joliet, IL | 41 | $ 6,269,000 | $ 152,902 | $ 81,000 |
| Battle Creek, MI | 38 | $ 4,160,000 | $ 109,473 | $ 42,000 |
| Jacksonville, FL | 38 | $ 4,656,000 | $ 122,526 | $ 32,000 |
| Flint, MI | 33 | $ 3,836,000 | $ 116,242 | $ 56,000 |
| Tampa-St. Petersburg-Clearwater, FL | 32 | $ 5,377,000 | $ 168,031 | $ 100,000 |
| Kansas City, MO-KS | 31 | $ 3,518,000 | $ 113,483 | $ 32,516 |
| Muncie, IN | 31 | $ 2,402,000 | $ 77,483 | $ 28,000 |
| Niles-Benton Harbor, MI | 31 | $ 4,268,000 | $ 137,677 | $ 20,000 |
| Lexington-Fayette, KY | 27 | $ 2,662,000 | $ 98,592 | $ 29,000 |
| Charlotte-Gastonia-Concord, NC-SC | 25 | $ 2,139,000 | $ 85,560 | $ 22,560 |
| Canton-Massillon, OH | 24 | $ 2,385,000 | $ 99,375 | $ 42,000 |
| Monroe, MI | 24 | $ 4,160,000 | $ 173,333 | $ 80,000 |
| Ann Arbor, MI | 23 | $ 2,957,000 | $ 128,565 | $ 45,000 |
| Cleveland-Elyria-Mentor, OH | 21 | $ 3,234,000 | $ 154,000 | $ 45,000 |
| Fort Wayne, IN | 21 | $ 2,045,000 | $ 97,380 | $ 49,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 21 | $ 3,545,000 | $ 168,809 | $ 37,095 |
| Akron, OH | 20 | $ 2,387,000 | $ 119,350 | $ 47,000 |
| Nashville-Davidson--Murfreesboro, TN | 19 | $ 1,871,000 | $ 98,473 | $ 27,000 |
| Portland-Vancouver-Beaverton, OR-WA | 19 | $ 1,607,000 | $ 84,578 | $ 53,526 |
| Pueblo, CO | 19 | $ 1,038,000 | $ 54,631 | $ 29,000 |
| Raleigh-Cary, NC | 19 | $ 1,551,000 | $ 81,631 | $ 53,000 |
| Boulder, CO | 17 | $ 1,121,000 | $ 65,941 | $ 56,000 |
| Charleston-North Charleston, SC | 17 | $ 2,303,000 | $ 135,470 | $ 38,000 |
| Columbia, SC | 16 | $ 1,726,000 | $ 107,875 | $ 36,000 |
| Columbus, IN | 16 | $ 1,491,000 | $ 93,187 | $ 60,000 |
| Youngstown-Warren-Boardman, OH-PA | 16 | $ 1,714,000 | $ 107,125 | $ 52,000 |
| Oklahoma City, OK | 15 | $ 1,054,000 | $ 70,266 | $ 34,000 |
| Saginaw-Saginaw Township North, MI | 15 | $ 1,338,000 | $ 89,200 | $ 24,000 |
| South Bend-Mishawaka, IN-MI | 15 | $ 2,235,000 | $ 149,000 | $ 31,200 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 15 | $ 1,768,000 | $ 117,866 | $ 42,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 15 | $ 3,646,000 | $ 243,066 | $ 22,466 |
| Jackson, MI | 14 | $ 1,262,000 | $ 90,142 | $ 45,000 |
| Knoxville, TN | 14 | $ 1,686,000 | $ 120,428 | $ 20,000 |
| St. Joseph, MO-KS | 14 | $ 1,299,000 | $ 92,785 | $ 14,000 |
| Elizabethtown, KY | 13 | $ 1,052,000 | $ 80,923 | $ 17,000 |
| Holland-Grand Haven, MI | 13 | $ 1,538,000 | $ 118,307 | $ 34,000 |
| Orlando-Kissimmee, FL | 13 | $ 1,301,000 | $ 100,076 | $ 48,000 |
| Springfield, OH | 13 | $ 1,210,000 | $ 93,076 | $ 32,000 |
| Seattle-Bellevue-Everett, WA | 12 | $ 728,000 | $ 60,666 | $ 66,000 |
| Baltimore-Towson, MD | 11 | $ 2,462,000 | $ 223,818 | $ 49,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 10 | $ 1,438,000 | $ 143,800 | $ 25,000 |
| Miami-Miami Beach-Kendall, FL | 10 | $ 1,635,000 | $ 163,500 | $ 48,000 |
| Anderson, IN | 9 | $ 868,000 | $ 96,444 | $ 31,000 |
| Bangor, ME | 9 | $ 758,000 | $ 84,222 | $ 59,000 |
| Des Moines-West Des Moines, IA | 9 | $ 1,173,000 | $ 130,333 | $ 41,000 |
| Kokomo, IN | 9 | $ 1,082,000 | $ 120,222 | $ 72,000 |
| Omaha-Council Bluffs, NE-IA | 9 | $ 556,000 | $ 61,777 | $ 39,666 |
| Palm Bay-Melbourne-Titusville, FL | 9 | $ 1,175,000 | $ 130,555 | $ 57,000 |
| Salt Lake City, UT | 9 | $ 1,072,000 | $ 119,111 | $ 60,000 |
| Bridgeport-Stamford-Norwalk, CT | 8 | $ 1,445,000 | $ 180,625 | $ 31,000 |
| Fort Collins-Loveland, CO | 8 | $ 838,000 | $ 104,750 | $ 50,000 |
| Lafayette, IN | 8 | $ 2,531,000 | $ 316,375 | $ 43,000 |
| Providence-New Bedford-Fall River, RI-MA | 8 | $ 1,363,000 | $ 170,375 | $ 73,000 |
| Tacoma, WA | 8 | $ 546,000 | $ 68,250 | $ 64,000 |
| Tallahassee, FL | 8 | $ 990,000 | $ 123,750 | $ 27,000 |
| Charleston, WV | 7 | $ 426,000 | $ 60,857 | $ 54,000 |
| Huntington-Ashland, WV-KY-OH | 7 | $ 312,000 | $ 44,571 | $ 19,285 |
| Lake County-Kenosha County, IL-WI | 7 | $ 1,110,000 | $ 158,571 | $ 68,000 |
| Mansfield, OH | 7 | $ 778,000 | $ 111,142 | $ 41,000 |
| Sarasota-Bradenton-Venice, FL | 7 | $ 973,000 | $ 139,000 | $ 25,000 |
| Augusta-Richmond County, GA-SC | 6 | $ 474,000 | $ 79,000 | $ 17,000 |
| Cape Coral-Fort Myers, FL | 6 | $ 892,000 | $ 148,666 | $ 38,000 |
| Grand Junction, CO | 6 | $ 381,000 | $ 63,500 | $ 44,000 |
| Greeley, CO | 6 | $ 376,000 | $ 62,666 | $ 62,000 |
| Hartford-West Hartford-East Hartford, CT | 6 | $ 736,000 | $ 122,666 | $ 54,000 |
| Milwaukee-Waukesha-West Allis, WI | 6 | $ 344,000 | $ 57,333 | $ 87,000 |
| New Haven-Milford, CT | 6 | $ 1,272,000 | $ 212,000 | $ 25,000 |
| Ocala, FL | 6 | $ 701,000 | $ 116,833 | $ 52,000 |
| Peoria, IL | 6 | $ 393,000 | $ 65,500 | $ 34,000 |
| Sandusky, OH | 6 | $ 437,000 | $ 72,833 | $ 32,000 |
| Wichita, KS | 6 | $ 464,000 | $ 77,333 | $ 37,000 |
| Boise City-Nampa, ID | 5 | $ 646,000 | $ 129,200 | $ 68,000 |
| Cedar Rapids, IA | 5 | $ 402,000 | $ 80,400 | $ 19,000 |
| Champaign-Urbana, IL | 5 | $ 336,000 | $ 67,200 | $ 86,000 |
| Durham, NC | 5 | $ 308,000 | $ 61,600 | $ 32,000 |
| Elkhart-Goshen, IN | 5 | $ 406,000 | $ 81,200 | $ 36,000 |
| Gary, IN | 5 | $ 391,000 | $ 78,200 | $ 48,000 |
| Green Bay, WI | 5 | $ 486,000 | $ 97,200 | $ 71,000 |
| Lakeland, FL | 5 | $ 480,000 | $ 96,000 | $ 25,000 |
| Memphis, TN-MS-AR | 5 | $ 422,000 | $ 84,400 | $ 57,000 |
| Michigan City-La Porte, IN | 5 | $ 523,000 | $ 104,600 | $ 39,000 |
| Portland-South Portland-Biddeford, ME | 5 | $ 879,000 | $ 175,800 | $ 50,000 |
| Richmond, VA | 5 | $ 1,471,000 | $ 294,200 | $ 41,000 |
| Roanoke, VA | 5 | $ 838,000 | $ 167,600 | $ 70,000 |
| Rockford, IL | 5 | $ 426,000 | $ 85,200 | $ 52,000 |
| Spartanburg, SC | 5 | $ 294,000 | $ 58,800 | $ 28,000 |
| Springfield, MO | 5 | $ 1,044,000 | $ 208,800 | $ 0 |
| Tulsa, OK | 5 | $ 333,000 | $ 66,600 | $ 56,000 |
| Waterloo-Cedar Falls, IA | 5 | $ 317,000 | $ 63,400 | $ 58,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 5 | $ 743,000 | $ 148,600 | $ 113,000 |
| Winston-Salem, NC | 5 | $ 552,000 | $ 110,400 | $ 32,000 |
| Asheville, NC | 4 | $ 699,000 | $ 174,750 | $ 56,000 |
| Bloomington, IN | 4 | $ 466,000 | $ 116,500 | $ 50,000 |
| Cheyenne, WY | 4 | $ 389,000 | $ 97,250 | $ 59,000 |
| Cumberland, MD-WV | 4 | $ 493,000 | $ 123,250 | $ 28,250 |
| Davenport-Moline-Rock Island, IA-IL | 4 | $ 325,000 | $ 81,250 | $ 52,750 |
| Iowa City, IA | 4 | $ 701,000 | $ 175,250 | $ 46,000 |
| Lima, OH | 4 | $ 329,000 | $ 82,250 | $ 21,000 |
| Muskegon-Norton Shores, MI | 4 | $ 342,000 | $ 85,500 | $ 13,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 4 | $ 626,000 | $ 156,500 | $ 48,000 |
| Naples-Marco Island, FL | 4 | $ 953,000 | $ 238,250 | $ 42,000 |
| Punta Gorda, FL | 4 | $ 983,000 | $ 245,750 | $ 150,000 |
| Sioux Falls, SD | 4 | $ 270,000 | $ 67,500 | $ 88,000 |
| Terre Haute, IN | 4 | $ 502,000 | $ 125,500 | $ 36,000 |
| Topeka, KS | 4 | $ 390,000 | $ 97,500 | $ 45,000 |
| Bloomington-Normal, IL | 3 | $ 239,000 | $ 79,666 | $ 57,000 |
| Casper, WY | 3 | $ 165,000 | $ 55,000 | $ 40,000 |
| Chattanooga, TN-GA | 3 | $ 326,000 | $ 108,666 | $ 10,000 |
| Danville, VA | 3 | $ 419,000 | $ 139,666 | $ 54,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 360,000 | $ 120,000 | $ 14,000 |
| Fayetteville, NC | 3 | $ 259,000 | $ 86,333 | $ 50,000 |
| Fort Walton Beach-Crestview-Destin, FL | 3 | $ 398,000 | $ 132,666 | $ 20,000 |
| Greensboro-High Point, NC | 3 | $ 507,000 | $ 169,000 | $ 66,000 |
| Hagerstown-Martinsburg, MD-WV | 3 | $ 290,000 | $ 96,666 | $ 53,333 |
| Joplin, MO | 3 | $ 260,000 | $ 86,666 | $ 22,000 |
| Lewiston-Auburn, ME | 3 | $ 538,000 | $ 179,333 | $ 79,000 |
| Lincoln, NE | 3 | $ 221,000 | $ 73,666 | $ 61,000 |
| Medford, OR | 3 | $ 298,000 | $ 99,333 | $ 58,000 |
| Mount Vernon-Anacortes, WA | 3 | $ 125,000 | $ 41,666 | $ 57,000 |
| Ogden-Clearfield, UT | 3 | $ 207,000 | $ 69,000 | $ 76,000 |
| Owensboro, KY | 3 | $ 296,000 | $ 98,666 | $ 67,000 |
| Rome, GA | 3 | $ 212,000 | $ 70,666 | $ 37,000 |
| Sioux City, IA-NE-SD | 3 | $ 258,000 | $ 86,000 | $ 28,333 |
| Spokane, WA | 3 | $ 329,000 | $ 109,666 | $ 84,000 |
| Sumter, SC | 3 | $ 198,000 | $ 66,000 | $ 8,000 |
| Wilmington, DE-MD-NJ | 3 | $ 832,000 | $ 277,333 | $ 88,333 |
| Worcester, MA | 3 | $ 527,000 | $ 175,666 | $ 0 |
| Albuquerque, NM | 2 | $ 401,000 | $ 200,500 | $ 29,000 |
| Athens-Clarke County, GA | 2 | $ 242,000 | $ 121,000 | $ 73,000 |
| Barnstable Town, MA | 2 | $ 265,000 | $ 132,500 | $ 29,000 |
| Bay City, MI | 2 | $ 80,000 | $ 40,000 | $ 22,000 |
| Bremerton-Silverdale, WA | 2 | $ 132,000 | $ 66,000 | $ 30,000 |
| Evansville, IN-KY | 2 | $ 490,000 | $ 245,000 | $ 116,000 |
| Greenville, SC | 2 | $ 213,000 | $ 106,500 | $ 24,000 |
| Jackson, TN | 2 | $ 226,000 | $ 113,000 | $ 0 |
| Jacksonville, NC | 2 | $ 99,000 | $ 49,500 | $ 46,000 |
| Lynchburg, VA | 2 | $ 146,000 | $ 73,000 | $ 18,000 |
| Norwich-New London, CT | 2 | $ 450,000 | $ 225,000 | $ 58,000 |
| Panama City-Lynn Haven, FL | 2 | $ 170,000 | $ 85,000 | $ 59,000 |
| Port St. Lucie-Fort Pierce, FL | 2 | $ 70,000 | $ 35,000 | $ 89,000 |
| Provo-Orem, UT | 2 | $ 100,000 | $ 50,000 | $ 27,000 |
| Rochester, MN | 2 | $ 97,000 | $ 48,500 | $ 35,000 |
| Salisbury, MD | 2 | $ 96,000 | $ 48,000 | $ 28,000 |
| Savannah, GA | 2 | $ 250,000 | $ 125,000 | $ 34,000 |
| St. Cloud, MN | 2 | $ 480,000 | $ 240,000 | $ 48,000 |
| Warner Robins, GA | 2 | $ 100,000 | $ 50,000 | $ 105,000 |
| Weirton-Steubenville, WV-OH | 2 | $ 160,000 | $ 80,000 | $ 62,000 |
| Wilmington, NC | 2 | $ 250,000 | $ 125,000 | $ 0 |
| Ames, IA | 1 | $ 52,000 | $ 52,000 | $ 58,000 |
| Appleton, WI | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Bellingham, WA | 1 | $ 56,000 | $ 56,000 | $ 61,000 |
| Bethesda-Gaithersburg-Frederick, MD | 1 | $ 38,000 | $ 38,000 | $ 83,000 |
| Billings, MT | 1 | $ 62,000 | $ 62,000 | $ 74,000 |
| Bowling Green, KY | 1 | $ 19,000 | $ 19,000 | $ 0 |
| Burlington, NC | 1 | $ 40,000 | $ 40,000 | $ 44,000 |
| Burlington-South Burlington, VT | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Clarksville, TN-KY | 1 | $ 89,000 | $ 89,000 | $ 0 |
| Columbus, GA-AL | 1 | $ 207,000 | $ 207,000 | $ 83,000 |
| Danville, IL | 1 | $ 90,000 | $ 90,000 | $ 37,000 |
| Dover, DE | 1 | $ 63,000 | $ 63,000 | $ 53,000 |
| Duluth, MN-WI | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Gainesville, FL | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Gainesville, GA | 1 | $ 40,000 | $ 40,000 | $ 22,000 |
| Great Falls, MT | 1 | $ 104,000 | $ 104,000 | $ 51,000 |
| Greenville, NC | 1 | $ 176,000 | $ 176,000 | $ 114,000 |
| Idaho Falls, ID | 1 | $ 35,000 | $ 35,000 | $ 40,000 |
| Janesville, WI | 1 | $ 67,000 | $ 67,000 | $ 110,000 |
| Jefferson City, MO | 1 | $ 124,000 | $ 124,000 | $ 0 |
| Kankakee-Bradley, IL | 1 | $ 94,000 | $ 94,000 | $ 75,000 |
| Longview, WA | 1 | $ 63,000 | $ 63,000 | $ 89,000 |
| Macon, GA | 1 | $ 144,000 | $ 144,000 | $ 0 |
| Madison, WI | 1 | $ 113,000 | $ 113,000 | $ 126,000 |
| Missoula, MT | 1 | $ 30,000 | $ 30,000 | $ 52,000 |
| Morgantown, WV | 1 | $ 46,000 | $ 46,000 | $ 72,000 |
| Morristown, TN | 1 | $ 44,000 | $ 44,000 | $ 0 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 150,000 | $ 150,000 | $ 46,000 |
| Olympia, WA | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Parkersburg-Marietta-Vienna, WV-OH | 1 | $ 29,000 | $ 29,000 | $ 59,000 |
| Rocky Mount, NC | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Sebastian-Vero Beach, FL | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Springfield, IL | 1 | $ 61,000 | $ 61,000 | $ 173,000 |
| Winchester, VA-WV | 1 | $ 106,000 | $ 106,000 | $ 41,000 |
| Yakima, WA | 1 | $ 75,000 | $ 75,000 | $ 85,000 |
Mortgage Loan Application Detail Totals for Homeland Capital Mortgage in 2006
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 | 7,265 | $724,457,000 | $99,000 | $1,540,000 | $39,000 | $876,000 |
| Home Purchase | 2,166 | $234,933,000 | $108,000 | $950,000 | $36,000 | $1,176,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 6,314 | $613,052,000 | $97,000 | $888,000 | $41,000 | $1,176,000 |
| Not Provided | 2,025 | $223,556,000 | $110,000 | $1,540,000 | $31,000 | $780,000 |
| Black or African American | 897 | $99,136,000 | $110,000 | $641,000 | $34,000 | $579,000 |
| Hispanic | 84 | $9,963,000 | $118,000 | $950,000 | $35,000 | $204,000 |
| Asian | 77 | $10,721,000 | $139,000 | $695,000 | $38,000 | $330,000 |
| American Indian or Alaskan Native | 23 | $1,975,000 | $85,000 | $188,000 | $36,000 | $108,000 |
| Native Hawaiian or Other Pacific Islander | 11 | $987,000 | $89,000 | $261,000 | $45,000 | $149,000 |
| 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) | 9,431 | $959,390,000 | $101,000 | $1,540,000 | $38,000 | $1,176,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 2,882 | $272,558,000 | $94,000 | $1,540,000 | $61,000 | $840,000 |
| Application Approved But Not Accepted | 2,878 | $300,481,000 | $104,000 | $668,000 | $25,000 | $1,176,000 |
| Application Denied By Financial Institution | 1,523 | $149,771,000 | $98,000 | $625,000 | $34,000 | $876,000 |
| Application Withdrawn By Applicant | 1,055 | $111,486,000 | $105,000 | $875,000 | $26,000 | $617,000 |
| Preapproval Denied by Financial Institution | 657 | $69,819,000 | $106,000 | $580,000 | $27,000 | $412,000 |
| File Closed For Incompleteness | 359 | $49,183,000 | $137,000 | $950,000 | $32,000 | $288,000 |
| Loan Purchased By The Institution | 77 | $6,092,000 | $79,000 | $264,000 | $78,000 | $293,000 |
| Preapproval Approved but not Accepted | 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 History | 1,171 | $114,981,000 | $98,000 | $625,000 | $24,000 | $876,000 |
| Other | 323 | $27,774,000 | $85,000 | $580,000 | $27,000 | $412,000 |
| Collateral | 290 | $33,127,000 | $114,000 | $585,000 | $54,000 | $780,000 |
| Debt-To-Income Ratio | 287 | $32,895,000 | $114,000 | $460,000 | $44,000 | $182,000 |
| Employment History | 97 | $9,562,000 | $98,000 | $356,000 | $34,000 | $198,000 |
| Unverifiable Information | 10 | $1,039,000 | $103,000 | $234,000 | $42,000 | $86,000 |
| Credit Application Incomplete | 1 | $172,000 | $172,000 | $172,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $40,000 | $40,000 | $40,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Homeland Capital Mortgage's 2006 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 Homeland Capital Mortgage'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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