Homeowners Mortgage Enterprise Mortgage Lending & HMDA Data, 2009
In 2009, Homeowners Mortgage Enterprise of Columbia, SC reported 3,479 mortgage applications totaling $587.1 million, up 114% from 2008. The average application was for $168,762, and applicants reported an average income of $73,355. 83% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Columbia, SC (1,146), Greenville-Mauldin-Easley, SC (376) and Anderson, SC (119) (applications in parentheses).
| Mortgage Company & Address | Homeowners Mortgage Enterprise 2530 Devine Street Columbia, SC 29205 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 3,479 |
| Total Mortgage Loan Application Amount | $587,126,000 |
| Average Mortgage Loan Application Amount | $168,762 |
| Highest Mortgage Loan Application Amount | $1,900,000 |
| Average Applicant Income | $73,355 |
| Highest Applicant Income | $1,117,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Homeowners Mortgage Enterprise filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Columbia, SC | 1,146 | $ 170,824,000 | $ 149,061 | $ 55,000 |
| Greenville-Mauldin-Easley, SC | 376 | $ 65,465,000 | $ 174,109 | $ 83,000 |
| Anderson, SC | 119 | $ 16,807,000 | $ 141,235 | $ 57,000 |
| Spartanburg, SC | 112 | $ 14,947,000 | $ 133,455 | $ 56,000 |
| Charleston-North Charleston-Summerville, SC | 102 | $ 20,040,000 | $ 196,470 | $ 83,000 |
| Charlotte-Gastonia-Concord, NC-SC | 62 | $ 11,189,000 | $ 180,467 | $ 65,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 61 | $ 9,325,000 | $ 152,868 | $ 66,000 |
| Augusta-Richmond County, GA-SC | 54 | $ 8,456,000 | $ 156,592 | $ 71,722 |
| Durham-Chapel Hill, NC | 53 | $ 9,551,000 | $ 180,207 | $ 108,000 |
| Raleigh-Cary, NC | 52 | $ 10,054,000 | $ 193,346 | $ 84,000 |
| Asheville, NC | 50 | $ 9,513,000 | $ 190,260 | $ 69,000 |
| Florence, SC | 47 | $ 6,038,000 | $ 128,468 | $ 50,000 |
| Greensboro-High Point, NC | 45 | $ 6,222,000 | $ 138,266 | $ 65,000 |
| Sumter, SC | 37 | $ 5,273,000 | $ 142,513 | $ 53,000 |
| Atlanta-Sandy Springs-Marietta, GA | 31 | $ 5,362,000 | $ 172,967 | $ 73,000 |
| Tallahassee, FL | 30 | $ 4,977,000 | $ 165,900 | $ 84,000 |
| Winchester, VA-WV | 18 | $ 3,652,000 | $ 202,888 | $ 76,388 |
| Hinesville-Fort Stewart, GA | 14 | $ 1,867,000 | $ 133,357 | $ 61,000 |
| Winston-Salem, NC | 13 | $ 1,519,000 | $ 116,846 | $ 61,000 |
| Albany, GA | 12 | $ 1,844,000 | $ 153,666 | $ 70,000 |
| Macon, GA | 12 | $ 2,189,000 | $ 182,416 | $ 86,000 |
| Brunswick, GA | 11 | $ 1,980,000 | $ 180,000 | $ 88,000 |
| Hagerstown-Martinsburg, MD-WV | 11 | $ 1,968,000 | $ 178,909 | $ 61,000 |
| Hickory-Lenoir-Morganton, NC | 10 | $ 1,596,000 | $ 159,600 | $ 49,000 |
| San Antonio, TX | 9 | $ 2,197,000 | $ 244,111 | $ 82,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 9 | $ 2,134,000 | $ 237,111 | $ 91,333 |
| Birmingham-Hoover, AL | 8 | $ 2,042,000 | $ 255,250 | $ 85,000 |
| Baton Rouge, LA | 7 | $ 1,790,000 | $ 255,714 | $ 82,000 |
| Cleveland-Elyria-Mentor, OH | 7 | $ 976,000 | $ 139,428 | $ 53,000 |
| Rome, GA | 7 | $ 841,000 | $ 120,142 | $ 62,000 |
| Tuscaloosa, AL | 7 | $ 1,366,000 | $ 195,142 | $ 60,000 |
| Burlington, NC | 6 | $ 896,000 | $ 149,333 | $ 65,000 |
| Toledo, OH | 6 | $ 839,000 | $ 139,833 | $ 58,000 |
| Wilmington, NC | 6 | $ 1,254,000 | $ 209,000 | $ 64,000 |
| Fayetteville, NC | 5 | $ 971,000 | $ 194,200 | $ 67,000 |
| Savannah, GA | 5 | $ 1,016,000 | $ 203,200 | $ 86,000 |
| Columbus, GA-AL | 4 | $ 513,000 | $ 128,250 | $ 44,000 |
| Decatur, AL | 4 | $ 897,000 | $ 224,250 | $ 99,000 |
| Warner Robins, GA | 4 | $ 685,000 | $ 171,250 | $ 71,000 |
| Bethesda-Frederick-Rockville, MD | 3 | $ 730,000 | $ 243,333 | $ 41,000 |
| Huntsville, AL | 3 | $ 358,000 | $ 119,333 | $ 85,000 |
| Jacksonville, FL | 3 | $ 479,000 | $ 159,666 | $ 62,000 |
| Sandusky, OH | 3 | $ 262,000 | $ 87,333 | $ 41,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 695,000 | $ 231,666 | $ 71,000 |
| Valdosta, GA | 3 | $ 623,000 | $ 207,666 | $ 101,000 |
| Athens-Clarke County, GA | 2 | $ 513,000 | $ 256,500 | $ 39,000 |
| Blacksburg-Christiansburg-Radford, VA | 2 | $ 636,000 | $ 318,000 | $ 349,000 |
| Dover, DE | 2 | $ 295,000 | $ 147,500 | $ 37,000 |
| Greenville, NC | 2 | $ 375,000 | $ 187,500 | $ 53,000 |
| Memphis, TN-MS-AR | 2 | $ 272,000 | $ 136,000 | $ 66,000 |
| Montgomery, AL | 2 | $ 374,000 | $ 187,000 | $ 25,000 |
| Richmond, VA | 2 | $ 360,000 | $ 180,000 | $ 44,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 2 | $ 602,000 | $ 301,000 | $ 83,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 183,000 | $ 183,000 | $ 65,000 |
| Baltimore-Towson, MD | 1 | $ 194,000 | $ 194,000 | $ 118,000 |
| Brownsville-Harlingen, TX | 1 | $ 60,000 | $ 60,000 | $ 62,000 |
| College Station-Bryan, TX | 1 | $ 146,000 | $ 146,000 | $ 56,000 |
| Columbia, MO | 1 | $ 136,000 | $ 136,000 | $ 29,000 |
| Dallas-Plano-Irving, TX | 1 | $ 270,000 | $ 270,000 | $ 100,000 |
| Dothan, AL | 1 | $ 73,000 | $ 73,000 | $ 36,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 147,000 | $ 147,000 | $ 49,000 |
| Gainesville, GA | 1 | $ 264,000 | $ 264,000 | $ 84,000 |
| Gulfport-Biloxi, MS | 1 | $ 263,000 | $ 263,000 | $ 120,000 |
| Harrisburg-Carlisle, PA | 1 | $ 301,000 | $ 301,000 | $ 98,000 |
| Houston-Sugar Land-Baytown, TX | 1 | $ 200,000 | $ 200,000 | $ 172,000 |
| Jackson, MS | 1 | $ 366,000 | $ 366,000 | $ 106,000 |
| Jackson, TN | 1 | $ 214,000 | $ 214,000 | $ 86,000 |
| Jacksonville, NC | 1 | $ 165,000 | $ 165,000 | $ 75,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 246,000 | $ 246,000 | $ 63,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 247,000 | $ 247,000 | $ 88,000 |
| Lake Charles, LA | 1 | $ 200,000 | $ 200,000 | $ 52,000 |
| Lakeland-Winter Haven, FL | 1 | $ 57,000 | $ 57,000 | $ 37,000 |
| Lexington-Fayette, KY | 1 | $ 342,000 | $ 342,000 | $ 90,000 |
| Lima, OH | 1 | $ 55,000 | $ 55,000 | $ 44,000 |
| Louisville-Jefferson County, KY-IN | 1 | $ 292,000 | $ 292,000 | $ 63,000 |
| Mansfield, OH | 1 | $ 74,000 | $ 74,000 | $ 43,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 302,000 | $ 302,000 | $ 58,000 |
| Nassau-Suffolk, NY | 1 | $ 226,000 | $ 226,000 | $ 149,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 306,000 | $ 306,000 | $ 94,000 |
| Philadelphia, PA | 1 | $ 219,000 | $ 219,000 | $ 111,000 |
| Pueblo, CO | 1 | $ 123,000 | $ 123,000 | $ 38,000 |
| Roanoke, VA | 1 | $ 269,000 | $ 269,000 | $ 52,000 |
| Rocky Mount, NC | 1 | $ 261,000 | $ 261,000 | $ 51,000 |
| Tulsa, OK | 1 | $ 314,000 | $ 314,000 | $ 120,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 121,000 | $ 121,000 | $ 39,000 |
| Waco, TX | 1 | $ 157,000 | $ 157,000 | $ 57,000 |
Mortgage Loan Application Detail Totals for Homeowners Mortgage Enterprise 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 1,773 | $267,700,000 | $150,000 | $1,144,000 | $66,000 | $1,117,000 |
| Refinancing | 1,706 | $319,426,000 | $187,000 | $1,900,000 | $81,000 | $779,000 |
| 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 | 2,580 | $451,948,000 | $175,000 | $1,900,000 | $78,000 | $912,000 |
| Black or African American | 608 | $83,083,000 | $136,000 | $560,000 | $45,000 | $209,000 |
| Not Provided | 170 | $32,887,000 | $193,000 | $1,500,000 | $96,000 | $1,117,000 |
| Hispanic | 85 | $12,176,000 | $143,000 | $371,000 | $64,000 | $405,000 |
| Asian | 24 | $4,931,000 | $205,000 | $417,000 | $67,000 | $152,000 |
| American Indian or Alaskan Native | 8 | $1,577,000 | $197,000 | $334,000 | $82,000 | $211,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $524,000 | $131,000 | $190,000 | $67,000 | $116,000 |
| 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) | 1,590 | $316,635,000 | $199,000 | $1,900,000 | $102,000 | $1,117,000 |
| FHA-insured (Federal Housing Administration) | 1,283 | $177,127,000 | $138,000 | $384,000 | $48,000 | $405,000 |
| VA-guaranteed (Veterans Administration) | 335 | $60,709,000 | $181,000 | $457,000 | $54,000 | $206,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 271 | $32,655,000 | $120,000 | $274,000 | $43,000 | $87,000 |
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 | 2,900 | $477,727,000 | $164,000 | $1,900,000 | $72,000 | $1,117,000 |
| Application Denied By Financial Institution | 276 | $46,812,000 | $169,000 | $1,500,000 | $64,000 | $301,000 |
| Application Withdrawn By Applicant | 204 | $44,808,000 | $219,000 | $1,323,000 | $99,000 | $900,000 |
| Application Approved But Not Accepted | 50 | $9,411,000 | $188,000 | $438,000 | $91,000 | $400,000 |
| File Closed For Incompleteness | 34 | $5,984,000 | $176,000 | $417,000 | $54,000 | $244,000 |
| Loan Purchased By The Institution | 15 | $2,384,000 | $158,000 | $334,000 | $78,000 | $257,000 |
| 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 | 62 | $9,819,000 | $158,000 | $417,000 | $40,000 | $143,000 |
| Credit History | 58 | $8,326,000 | $143,000 | $560,000 | $56,000 | $194,000 |
| Collateral | 49 | $9,833,000 | $200,000 | $416,000 | $86,000 | $301,000 |
| Other | 35 | $5,984,000 | $170,000 | $400,000 | $73,000 | $269,000 |
| Credit Application Incomplete | 29 | $4,773,000 | $164,000 | $415,000 | $86,000 | $253,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 26 | $5,385,000 | $207,000 | $1,500,000 | $79,000 | $293,000 |
| Unverifiable Information | 11 | $1,815,000 | $165,000 | $375,000 | $56,000 | $117,000 |
| Employment History | 6 | $877,000 | $146,000 | $258,000 | $33,000 | $47,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Homeowners Mortgage Enterprise'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 Homeowners Mortgage Enterprise'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 South Carolina, download the full spreadsheet
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