Homeowners Mortgage of America Mortgage Lending & HMDA Data, 2012
In 2012, Homeowners Mortgage of America of Atlanta, GA reported 14,508 mortgage applications totaling $2.5 billion, up 7% from 2011. The average application was for $174,023, and applicants reported an average income of $77,955. 16% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (408), Washington-Arlington-Alexandria, DC-VA-MD-WV (389) and Houston-Sugar Land-Baytown, TX (300) (applications in parentheses).
| Mortgage Company & Address | Homeowners Mortgage of America 100 Galleria Parkway Ste 1400 Atlanta, GA 30339 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2013 2012 2011 2010 2009 2008 2007 2006 2005 |
| Total Number of Mortgage Applications | 14,508 |
| Total Mortgage Loan Application Amount | $2,524,731,000 |
| Average Mortgage Loan Application Amount | $174,023 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $77,955 |
| Highest Applicant Income | $1,440,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Homeowners Mortgage of America filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Homeowners Mortgage of America in 2012
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 | 14,454 | $2,516,426,000 | $174,000 | $1,000,000 | $78,000 | $1,440,000 |
| Home Purchase | 54 | $8,305,000 | $153,000 | $350,000 | $66,000 | $243,000 |
| 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 | 11,411 | $1,989,538,000 | $174,000 | $730,000 | $79,000 | $1,440,000 |
| Black or African American | 1,313 | $214,179,000 | $163,000 | $569,000 | $67,000 | $1,000,000 |
| Not Provided | 1,071 | $186,291,000 | $173,000 | $1,000,000 | $74,000 | $1,080,000 |
| Hispanic | 412 | $75,877,000 | $184,000 | $528,000 | $81,000 | $1,080,000 |
| Asian | 212 | $42,959,000 | $202,000 | $743,000 | $95,000 | $450,000 |
| American Indian or Alaskan Native | 58 | $9,771,000 | $168,000 | $505,000 | $69,000 | $180,000 |
| Native Hawaiian or Other Pacific Islander | 31 | $6,116,000 | $197,000 | $509,000 | $94,000 | $225,000 |
| 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 10,560 | $1,798,303,000 | $170,000 | $743,000 | $75,000 | $1,440,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 3,944 | $725,811,000 | $184,000 | $1,000,000 | $86,000 | $1,440,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $491,000 | $163,000 | $188,000 | $68,000 | $104,000 |
| VA-guaranteed (Veterans Administration) | 1 | $126,000 | $126,000 | $126,000 | $31,000 | $31,000 |
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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 11,969 | $2,094,046,000 | $174,000 | $1,000,000 | $79,000 | $1,440,000 |
| Loan Originated | 2,354 | $399,325,000 | $169,000 | $706,000 | $74,000 | $539,000 |
| Application Denied By Financial Institution | 185 | $31,360,000 | $169,000 | $486,000 | $63,000 | $1,000,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 History | 59 | $10,466,000 | $177,000 | $486,000 | $74,000 | $1,000,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 41 | $6,952,000 | $169,000 | $440,000 | $42,000 | $111,000 |
| Unverifiable Information | 25 | $3,742,000 | $149,000 | $220,000 | $65,000 | $122,000 |
| Collateral | 17 | $2,718,000 | $159,000 | $239,000 | $70,000 | $162,000 |
| Debt-To-Income Ratio | 15 | $2,715,000 | $181,000 | $417,000 | $52,000 | $145,000 |
| Employment History | 9 | $1,600,000 | $177,000 | $260,000 | $67,000 | $111,000 |
| Other | 6 | $1,134,000 | $189,000 | $282,000 | $81,000 | $192,000 |
| Credit Application Incomplete | 2 | $316,000 | $158,000 | $171,000 | $134,000 | $175,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Homeowners Mortgage of America's 2012 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 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 Georgia, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About