Homequest Capital Funding, LLC Mortgage Lending & HMDA Data, 2004
In 2004, Homequest Capital Funding, LLC of Alpharetta, GA reported 1,008 mortgage applications totaling $125.4 million. The average application was for $124,445, and applicants reported an average income of $65,341. 44% of its applications resulted in an originated loan and 37% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (432), Birmingham-Hoover, AL (51) and Mobile, AL (50) (applications in parentheses).
| Mortgage Company & Address | Homequest Capital Funding, LLC 30000 Mill Creek Ave, Suite 400 Alpharetta, GA 30022 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2004 |
| Total Number of Mortgage Applications | 1,008 |
| Total Mortgage Loan Application Amount | $125,441,000 |
| Average Mortgage Loan Application Amount | $124,445 |
| Highest Mortgage Loan Application Amount | $680,000 |
| Average Applicant Income | $65,341 |
| Highest Applicant Income | $365,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Homequest Capital Funding, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Fulton, Georgia | 103 | $ 15,684,000 | $ 152,271 | $ 86,000 |
| DeKalb, Georgia | 87 | $ 10,527,000 | $ 121,000 | $ 84,000 |
| Gwinnett, Georgia | 54 | $ 7,607,000 | $ 140,870 | $ 65,000 |
| Mobile, Alabama | 50 | $ 4,247,000 | $ 84,940 | $ 64,000 |
| Clayton, Georgia | 47 | $ 5,044,000 | $ 107,319 | $ 79,000 |
| Duval, Florida | 43 | $ 4,921,000 | $ 114,441 | $ 56,000 |
| Cobb, Georgia | 37 | $ 4,756,000 | $ 128,540 | $ 78,000 |
| Broward, Florida | 36 | $ 4,363,000 | $ 121,194 | $ 76,000 |
| Jefferson, Alabama | 33 | $ 4,792,000 | $ 145,212 | $ 77,000 |
| Osceola, Florida | 22 | $ 3,107,000 | $ 141,227 | $ 66,000 |
| Polk, Florida | 21 | $ 2,539,000 | $ 120,904 | $ 51,000 |
| Henry, Georgia | 18 | $ 2,721,000 | $ 151,166 | $ 82,000 |
| Baldwin, Alabama | 17 | $ 3,062,000 | $ 180,117 | $ 108,000 |
| Orange, Florida | 16 | $ 2,323,000 | $ 145,187 | $ 53,000 |
| Knox, Tennessee | 15 | $ 1,328,000 | $ 88,533 | $ 80,000 |
| Cherokee, Georgia | 12 | $ 1,847,000 | $ 153,916 | $ 72,000 |
| Walton, Georgia | 12 | $ 1,895,000 | $ 157,916 | $ 66,000 |
| Sevier, Tennessee | 11 | $ 1,418,000 | $ 128,909 | $ 51,000 |
| Etowah, Alabama | 10 | $ 1,169,000 | $ 116,900 | $ 42,000 |
| Hall, Georgia | 10 | $ 1,210,000 | $ 121,000 | $ 40,000 |
| Horry, South Carolina | 10 | $ 1,048,000 | $ 104,800 | $ 48,000 |
| Newton, Georgia | 9 | $ 1,313,000 | $ 145,888 | $ 52,000 |
| Shelby, Alabama | 8 | $ 787,000 | $ 98,375 | $ 62,000 |
| Tuscaloosa, Alabama | 8 | $ 1,039,000 | $ 129,875 | $ 48,000 |
| Coweta, Georgia | 8 | $ 948,000 | $ 118,500 | $ 78,000 |
| Richmond, Georgia | 8 | $ 524,000 | $ 65,500 | $ 44,000 |
| Washington, Tennessee | 8 | $ 697,000 | $ 87,125 | $ 34,000 |
| Miami-Dade, Florida | 7 | $ 955,000 | $ 136,428 | $ 64,000 |
| Douglas, Georgia | 7 | $ 815,000 | $ 116,428 | $ 43,000 |
| Paulding, Georgia | 7 | $ 894,000 | $ 127,714 | $ 52,000 |
| Lauderdale, Alabama | 6 | $ 427,000 | $ 71,166 | $ 48,000 |
| Escambia, Florida | 6 | $ 375,000 | $ 62,500 | $ 27,000 |
| Palm Beach, Florida | 6 | $ 1,368,000 | $ 228,000 | $ 90,000 |
| Volusia, Florida | 6 | $ 656,000 | $ 109,333 | $ 44,000 |
| Carroll, Georgia | 6 | $ 656,000 | $ 109,333 | $ 48,000 |
| Pickens, Georgia | 6 | $ 823,000 | $ 137,166 | $ 61,000 |
| Montgomery, Alabama | 5 | $ 653,000 | $ 130,600 | $ 63,000 |
| Okaloosa, Florida | 5 | $ 959,000 | $ 191,800 | $ 80,000 |
| Seminole, Florida | 5 | $ 746,000 | $ 149,200 | $ 65,000 |
| Jackson, Georgia | 5 | $ 835,000 | $ 167,000 | $ 56,000 |
| Spalding, Georgia | 5 | $ 474,000 | $ 94,800 | $ 60,000 |
| Mecklenburg, North Carolina | 5 | $ 461,000 | $ 92,200 | $ 63,000 |
| Richland, South Carolina | 5 | $ 954,000 | $ 190,800 | $ 104,000 |
| Shelby, Tennessee | 5 | $ 487,000 | $ 97,400 | $ 54,000 |
| Escambia, Alabama | 4 | $ 248,000 | $ 62,000 | $ 79,000 |
| St. Clair, Alabama | 4 | $ 423,000 | $ 105,750 | $ 51,000 |
| Clay, Florida | 4 | $ 738,000 | $ 184,500 | $ 97,000 |
| Habersham, Georgia | 4 | $ 435,000 | $ 108,750 | $ 55,000 |
| Lee, Georgia | 4 | $ 265,000 | $ 66,250 | $ 72,000 |
| Davidson, Tennessee | 4 | $ 405,000 | $ 101,250 | $ 102,000 |
| Hamilton, Tennessee | 4 | $ 316,000 | $ 79,000 | $ 55,000 |
| Roane, Tennessee | 4 | $ 403,000 | $ 100,750 | $ 37,000 |
| Walker, Alabama | 3 | $ 160,000 | $ 53,333 | $ 73,000 |
| Lake, Florida | 3 | $ 353,000 | $ 117,666 | $ 67,000 |
| Santa Rosa, Florida | 3 | $ 451,000 | $ 150,333 | $ 48,000 |
| Barrow, Georgia | 3 | $ 496,000 | $ 165,333 | $ 63,000 |
| Floyd, Georgia | 3 | $ 311,000 | $ 103,666 | $ 67,000 |
| Forsyth, Georgia | 3 | $ 499,000 | $ 166,333 | $ 71,000 |
| Rockdale, Georgia | 3 | $ 326,000 | $ 108,666 | $ 49,000 |
| Catawba, North Carolina | 3 | $ 283,000 | $ 94,333 | $ 38,000 |
| Spartanburg, South Carolina | 3 | $ 242,000 | $ 80,666 | $ 41,000 |
| Carter, Tennessee | 3 | $ 315,000 | $ 105,000 | $ 28,000 |
| Jefferson, Tennessee | 3 | $ 405,000 | $ 135,000 | $ 63,000 |
| Johnson, Tennessee | 3 | $ 257,000 | $ 85,666 | $ 33,000 |
| Blount, Alabama | 2 | $ 141,000 | $ 70,500 | $ 54,000 |
| Lee, Alabama | 2 | $ 194,000 | $ 97,000 | $ 46,000 |
| Madison, Alabama | 2 | $ 243,000 | $ 121,500 | $ 63,000 |
| Russell, Alabama | 2 | $ 161,000 | $ 80,500 | $ 40,000 |
| Brevard, Florida | 2 | $ 347,000 | $ 173,500 | $ 63,000 |
| Bartow, Georgia | 2 | $ 210,000 | $ 105,000 | $ 31,000 |
| Bryan, Georgia | 2 | $ 555,000 | $ 277,500 | $ 108,000 |
| Catoosa, Georgia | 2 | $ 220,000 | $ 110,000 | $ 39,000 |
| Chatham, Georgia | 2 | $ 107,000 | $ 53,500 | $ 98,000 |
| Clarke, Georgia | 2 | $ 258,000 | $ 129,000 | $ 84,000 |
| Fannin, Georgia | 2 | $ 274,000 | $ 137,000 | $ 60,000 |
| Fayette, Georgia | 2 | $ 270,000 | $ 135,000 | $ 55,000 |
| Houston, Georgia | 2 | $ 192,000 | $ 96,000 | $ 48,000 |
| Madison, Georgia | 2 | $ 120,000 | $ 60,000 | $ 33,000 |
| Polk, Georgia | 2 | $ 135,000 | $ 67,500 | $ 32,000 |
| Union, Georgia | 2 | $ 463,000 | $ 231,500 | $ 63,000 |
| Walker, Georgia | 2 | $ 187,000 | $ 93,500 | $ 52,000 |
| White, Georgia | 2 | $ 375,000 | $ 187,500 | $ 41,000 |
| Cumberland, North Carolina | 2 | $ 157,000 | $ 78,500 | $ 46,000 |
| Robeson, North Carolina | 2 | $ 114,000 | $ 57,000 | $ 23,000 |
| Florence, South Carolina | 2 | $ 322,000 | $ 161,000 | $ 90,000 |
| Marlboro, South Carolina | 2 | $ 97,000 | $ 48,500 | $ 51,000 |
| Anderson, Tennessee | 2 | $ 207,000 | $ 103,500 | $ 29,000 |
| Blount, Tennessee | 2 | $ 393,000 | $ 196,500 | $ 66,000 |
| Cumberland, Tennessee | 2 | $ 134,000 | $ 67,000 | $ 35,000 |
| Greene, Tennessee | 2 | $ 242,000 | $ 121,000 | $ 71,000 |
| Hamblen, Tennessee | 2 | $ 125,000 | $ 62,500 | $ 33,000 |
| Sullivan, Tennessee | 2 | $ 205,000 | $ 102,500 | $ 38,000 |
| Union, Tennessee | 2 | $ 180,000 | $ 90,000 | $ 26,000 |
| Butler, Alabama | 1 | $ 58,000 | $ 58,000 | $ 29,000 |
| Chilton, Alabama | 1 | $ 87,000 | $ 87,000 | $ 47,000 |
| Conecuh, Alabama | 1 | $ 64,000 | $ 64,000 | $ 52,000 |
| DeKalb, Alabama | 1 | $ 157,000 | $ 157,000 | $ 58,000 |
| Elmore, Alabama | 1 | $ 103,000 | $ 103,000 | $ 69,000 |
| Houston, Alabama | 1 | $ 87,000 | $ 87,000 | $ 65,000 |
| Jackson, Alabama | 1 | $ 43,000 | $ 43,000 | $ 41,000 |
| Lamar, Alabama | 1 | $ 68,000 | $ 68,000 | $ 39,000 |
| Macon, Alabama | 1 | $ 96,000 | $ 96,000 | $ 78,000 |
| Marshall, Alabama | 1 | $ 55,000 | $ 55,000 | $ 38,000 |
| Talladega, Alabama | 1 | $ 111,000 | $ 111,000 | $ 52,000 |
| Wilcox, Alabama | 1 | $ 57,000 | $ 57,000 | $ 62,000 |
| Bradford, Florida | 1 | $ 69,000 | $ 69,000 | $ 26,000 |
| Citrus, Florida | 1 | $ 135,000 | $ 135,000 | $ 45,000 |
| Highlands, Florida | 1 | $ 105,000 | $ 105,000 | $ 50,000 |
| Hillsborough, Florida | 1 | $ 204,000 | $ 204,000 | $ 66,000 |
| Lee, Florida | 1 | $ 124,000 | $ 124,000 | $ 55,000 |
| Leon, Florida | 1 | $ 147,000 | $ 147,000 | $ 83,000 |
| Putnam, Florida | 1 | $ 71,000 | $ 71,000 | $ 25,000 |
| St. Johns, Florida | 1 | $ 170,000 | $ 170,000 | $ 96,000 |
| Wakulla, Florida | 1 | $ 103,000 | $ 103,000 | $ 143,000 |
| Banks, Georgia | 1 | $ 61,000 | $ 61,000 | $ 36,000 |
| Camden, Georgia | 1 | $ 172,000 | $ 172,000 | $ 76,000 |
| Columbia, Georgia | 1 | $ 240,000 | $ 240,000 | $ 111,000 |
| Dawson, Georgia | 1 | $ 190,000 | $ 190,000 | $ 60,000 |
| Decatur, Georgia | 1 | $ 309,000 | $ 309,000 | $ 192,000 |
| Early, Georgia | 1 | $ 69,000 | $ 69,000 | $ 53,000 |
| Gilmer, Georgia | 1 | $ 113,000 | $ 113,000 | $ 86,000 |
| Glynn, Georgia | 1 | $ 111,000 | $ 111,000 | $ 48,000 |
| Hart, Georgia | 1 | $ 209,000 | $ 209,000 | $ 69,000 |
| Jefferson, Georgia | 1 | $ 51,000 | $ 51,000 | $ 125,000 |
| Jones, Georgia | 1 | $ 184,000 | $ 184,000 | $ 39,000 |
| Lincoln, Georgia | 1 | $ 83,000 | $ 83,000 | $ 25,000 |
| Lowndes, Georgia | 1 | $ 115,000 | $ 115,000 | $ 31,000 |
| Lumpkin, Georgia | 1 | $ 85,000 | $ 85,000 | $ 35,000 |
| McDuffie, Georgia | 1 | $ 77,000 | $ 77,000 | $ 28,000 |
| Mitchell, Georgia | 1 | $ 168,000 | $ 168,000 | $ 37,000 |
| Muscogee, Georgia | 1 | $ 120,000 | $ 120,000 | $ 188,000 |
| Putnam, Georgia | 1 | $ 140,000 | $ 140,000 | $ 52,000 |
| Talbot, Georgia | 1 | $ 75,000 | $ 75,000 | $ 89,000 |
| Upson, Georgia | 1 | $ 60,000 | $ 60,000 | $ 14,000 |
| Whitfield, Georgia | 1 | $ 150,000 | $ 150,000 | $ 72,000 |
| Alexander, North Carolina | 1 | $ 89,000 | $ 89,000 | $ 44,000 |
| Brunswick, North Carolina | 1 | $ 78,000 | $ 78,000 | $ 23,000 |
| Cabarrus, North Carolina | 1 | $ 260,000 | $ 260,000 | $ 63,000 |
| Caldwell, North Carolina | 1 | $ 54,000 | $ 54,000 | $ 50,000 |
| Craven, North Carolina | 1 | $ 394,000 | $ 394,000 | $ 360,000 |
| Gaston, North Carolina | 1 | $ 89,000 | $ 89,000 | $ 42,000 |
| Guilford, North Carolina | 1 | $ 50,000 | $ 50,000 | $ 240,000 |
| Iredell, North Carolina | 1 | $ 83,000 | $ 83,000 | $ 43,000 |
| Lenoir, North Carolina | 1 | $ 120,000 | $ 120,000 | $ 57,000 |
| New Hanover, North Carolina | 1 | $ 57,000 | $ 57,000 | $ 22,000 |
| Pamlico, North Carolina | 1 | $ 80,000 | $ 80,000 | $ 27,000 |
| Cherokee, South Carolina | 1 | $ 87,000 | $ 87,000 | $ 68,000 |
| Dillon, South Carolina | 1 | $ 38,000 | $ 38,000 | $ 68,000 |
| Edgefield, South Carolina | 1 | $ 63,000 | $ 63,000 | $ 34,000 |
| Fairfield, South Carolina | 1 | $ 50,000 | $ 50,000 | $ 66,000 |
| Lexington, South Carolina | 1 | $ 55,000 | $ 55,000 | $ 69,000 |
| Pickens, South Carolina | 1 | $ 113,000 | $ 113,000 | $ 39,000 |
| Claiborne, Tennessee | 1 | $ 95,000 | $ 95,000 | $ 58,000 |
| Dyer, Tennessee | 1 | $ 68,000 | $ 68,000 | $ 25,000 |
| Hardin, Tennessee | 1 | $ 125,000 | $ 125,000 | $ 23,000 |
| Hawkins, Tennessee | 1 | $ 50,000 | $ 50,000 | $ 29,000 |
| Lawrence, Tennessee | 1 | $ 102,000 | $ 102,000 | $ 58,000 |
| Loudon, Tennessee | 1 | $ 56,000 | $ 56,000 | $ 31,000 |
| Unicoi, Tennessee | 1 | $ 51,000 | $ 51,000 | $ 41,000 |
| Hampton, Virginia | 1 | $ 125,000 | $ 125,000 | $ 55,000 |
| Henrico, Virginia | 1 | $ 189,000 | $ 189,000 | $ 63,000 |
Mortgage Loan Application Detail Totals for Homequest Capital Funding, LLC in 2004
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 | 727 | $87,912,000 | $113,571 | $636,000 | $67,142 | $360,000 |
| Refinancing | 281 | $37,529,000 | $127,428 | $680,000 | $63,714 | $365,000 |
| 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 | 403 | $48,948,000 | $107,000 | $415,000 | $62,000 | $360,000 |
| Black or African American | 402 | $49,116,000 | $130,125 | $630,000 | $70,625 | $365,000 |
| Not Provided | 114 | $15,780,000 | $131,000 | $680,000 | $64,500 | $360,000 |
| Hispanic | 74 | $10,036,000 | $113,000 | $518,000 | $55,000 | $150,000 |
| Asian | 8 | $927,000 | $108,500 | $146,000 | $80,000 | $360,000 |
| American Indian or Alaskan Native | 4 | $375,000 | $93,750 | $144,000 | $57,500 | $114,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $259,000 | $98,500 | $135,000 | $68,500 | $77,000 |
| 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) | 1,008 | $125,441,000 | $120,875 | $680,000 | $67,000 | $365,000 |
| 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 | 446 | $53,996,000 | $115,833 | $680,000 | $63,666 | $365,000 |
| Application Denied By Financial Institution | 371 | $46,170,000 | $108,428 | $636,000 | $55,857 | $360,000 |
| Application Withdrawn By Applicant | 187 | $24,764,000 | $127,500 | $630,000 | $66,000 | $360,000 |
| Preapproval Denied by Financial Institution | 4 | $511,000 | $127,000 | $275,000 | $99,000 | $157,000 |
| 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 |
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 |
|---|---|---|---|---|---|---|
| Collateral | 176 | $22,251,000 | $101,142 | $518,000 | $65,571 | $354,000 |
| Other | 58 | $7,734,000 | $115,333 | $636,000 | $63,666 | $360,000 |
| Debt-To-Income Ratio | 44 | $4,954,000 | $113,400 | $363,000 | $43,200 | $139,000 |
| Credit History | 39 | $4,530,000 | $106,285 | $309,000 | $49,428 | $302,000 |
| Unverifiable Information | 30 | $3,714,000 | $125,200 | $375,000 | $69,000 | $279,000 |
| Employment History | 23 | $2,832,000 | $105,600 | $394,000 | $41,400 | $240,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $296,000 | $148,000 | $158,000 | $58,000 | $72,000 |
| Credit Application Incomplete | 2 | $230,000 | $115,000 | $157,000 | $85,500 | $93,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Homequest Capital Funding, LLC's 2004 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 Homequest Capital Funding, LLC'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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