Hometown America
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Hometown America 2004 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Hometown America 150 N. Wacker Dr., Ste. 2800 Chicago, IL 60606 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 |
| Total Number of Mortgage Applications | 2,167 |
| Total Mortgage Loan Application Amount | $74,979,000 |
| Average Mortgage Loan Application Amount | $32,285 |
| Highest Mortgage Loan Application Amount | $151,000 |
| Average Applicant Income | $35,821 |
| Highest Applicant Income | $695,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Hometown America. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Hometown America's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Hometown America's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Hometown America serves its applicants.
Each category highlights the total number of mortgage applications processed by Hometown America, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Hometown America's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Macomb County Michigan | 204 | $ 6,867,000 | $ 33,000 | $ 37,000 |
| Oakland County Michigan | 157 | $ 5,936,000 | $ 37,000 | $ 42,000 |
| Tarrant County Texas | 157 | $ 7,926,000 | $ 50,000 | $ 44,000 |
| Genesee County Michigan | 111 | $ 3,875,000 | $ 34,000 | $ 36,000 |
| Denton County Texas | 110 | $ 3,403,000 | $ 30,000 | $ 34,000 |
| Travis County Texas | 102 | $ 3,866,000 | $ 37,000 | $ 31,000 |
| St. Clair County Michigan | 81 | $ 2,080,000 | $ 25,000 | $ 36,000 |
| Pima County Arizona | 78 | $ 2,107,000 | $ 27,000 | $ 33,000 |
| Adams County Colorado | 76 | $ 1,902,000 | $ 25,000 | $ 41,000 |
| Marion County Indiana | 71 | $ 1,667,000 | $ 23,000 | $ 32,000 |
| San Bernardino County California | 66 | $ 3,031,000 | $ 45,000 | $ 35,000 |
| Dallas County Texas | 66 | $ 1,914,000 | $ 29,000 | $ 29,000 |
| Niagara County New York | 61 | $ 1,672,000 | $ 27,000 | $ 37,000 |
| Maricopa County Arizona | 51 | $ 1,556,000 | $ 30,000 | $ 39,000 |
| Kent County Michigan | 50 | $ 1,350,000 | $ 27,000 | $ 34,000 |
| Johnson County Kansas | 48 | $ 1,363,000 | $ 28,000 | $ 36,000 |
| Broward County Florida | 44 | $ 2,121,000 | $ 48,000 | $ 52,000 |
| Wayne County Michigan | 43 | $ 1,406,000 | $ 32,000 | $ 39,000 |
| Riverside County California | 40 | $ 2,285,000 | $ 57,000 | $ 46,000 |
| Weld County Colorado | 36 | $ 1,825,000 | $ 50,000 | $ 34,000 |
| Orange County Florida | 36 | $ 912,000 | $ 25,000 | $ 26,000 |
| Frederick County Virginia | 35 | $ 1,647,000 | $ 47,000 | $ 42,000 |
| Harris County Texas | 33 | $ 988,000 | $ 29,000 | $ 35,000 |
| Hillsborough County Florida | 31 | $ 991,000 | $ 31,000 | $ 35,000 |
| Monroe County Michigan | 28 | $ 972,000 | $ 34,000 | $ 48,000 |
| Palm Beach County Florida | 25 | $ 823,000 | $ 32,000 | $ 33,000 |
| Hamilton County Indiana | 25 | $ 555,000 | $ 22,000 | $ 33,000 |
| Ada County Idaho | 24 | $ 479,000 | $ 19,000 | $ 30,000 |
| Ionia County Michigan | 22 | $ 637,000 | $ 28,000 | $ 35,000 |
| Northampton County Pennsylvania | 20 | $ 748,000 | $ 37,000 | $ 39,000 |
| Cass County North Dakota | 18 | $ 427,000 | $ 23,000 | $ 37,000 |
| Dakota County Minnesota | 17 | $ 553,000 | $ 32,000 | $ 37,000 |
| Washington County Minnesota | 16 | $ 627,000 | $ 39,000 | $ 38,000 |
| Barry County Michigan | 15 | $ 425,000 | $ 28,000 | $ 28,000 |
| Ottawa County Michigan | 14 | $ 506,000 | $ 36,000 | $ 37,000 |
| Lehigh County Pennsylvania | 14 | $ 446,000 | $ 31,000 | $ 47,000 |
| Livingston County Michigan | 13 | $ 336,000 | $ 25,000 | $ 31,000 |
| Boone County Indiana | 11 | $ 248,000 | $ 22,000 | $ 55,000 |
| St. Mary's County Maryland | 11 | $ 498,000 | $ 45,000 | $ 40,000 |
| Cumberland County New Jersey | 10 | $ 672,000 | $ 67,000 | $ 29,000 |
| Boulder County Colorado | 7 | $ 237,000 | $ 33,000 | $ 34,000 |
| Pinellas County Florida | 7 | $ 233,000 | $ 33,000 | $ 46,000 |
| Lapeer County Michigan | 7 | $ 312,000 | $ 44,000 | $ 38,000 |
| Montgomery County Alabama | 6 | $ 107,000 | $ 17,000 | $ 22,000 |
| Kalamazoo County Michigan | 6 | $ 108,000 | $ 18,000 | $ 30,000 |
| Collier County Florida | 5 | $ 182,000 | $ 36,000 | $ 56,000 |
| Lake County Florida | 4 | $ 87,000 | $ 21,000 | $ 36,000 |
| Marion County Florida | 4 | $ 215,000 | $ 53,000 | $ 46,000 |
| Kankakee County Illinois | 4 | $ 189,000 | $ 47,000 | $ 38,000 |
| Midland County Michigan | 4 | $ 118,000 | $ 29,000 | $ 46,000 |
| Muskegon County Michigan | 4 | $ 74,000 | $ 18,000 | $ 29,000 |
| Polk County Florida | 3 | $ 63,000 | $ 21,000 | $ 43,000 |
| Scott County Iowa | 3 | $ 101,000 | $ 33,000 | $ 23,000 |
| Clark County Nevada | 3 | $ 91,000 | $ 30,000 | $ 66,000 |
| Lee County Florida | 2 | $ 160,000 | $ 80,000 | $ 108,000 |
| Seminole County Florida | 2 | $ 137,000 | $ 68,000 | $ 55,000 |
| Sumter County Florida | 2 | $ 42,000 | $ 21,000 | $ 35,000 |
| Polk County Iowa | 2 | $ 131,000 | $ 65,000 | $ 37,000 |
| Pinal County Arizona | 1 | $ 11,000 | $ 11,000 | $ 28,000 |
| El Paso County Colorado | 1 | $ 35,000 | $ 35,000 | $ 35,000 |
| Litchfield County Connecticut | 1 | $ 35,000 | $ 35,000 | $ 40,000 |
| Middlesex County Connecticut | 1 | $ 86,000 | $ 86,000 | $ 39,000 |
| Manatee County Florida | 1 | $ 35,000 | $ 35,000 | $ 22,000 |
| Martin County Florida | 1 | $ 47,000 | $ 47,000 | $ 44,000 |
| Miami-Dade County Florida | 1 | $ 35,000 | $ 35,000 | $ 43,000 |
| Pasco County Florida | 1 | $ 67,000 | $ 67,000 | $ 45,000 |
| Sarasota County Florida | 1 | $ 57,000 | $ 57,000 | $ 55,000 |
| Fayette County Georgia | 1 | $ 12,000 | $ 12,000 | $ 24,000 |
| Madison County Illinois | 1 | $ 18,000 | $ 18,000 | $ 56,000 |
| McLean County Illinois | 1 | $ 35,000 | $ 35,000 | $ 27,000 |
| Elkhart County Indiana | 1 | $ 23,000 | $ 23,000 | $ 31,000 |
| Prince George's County Maryland | 1 | $ 35,000 | $ 35,000 | $ 86,000 |
| Saginaw County Michigan | 1 | $ 35,000 | $ 35,000 | $ 28,000 |
| Los Alamos County New Mexico | 1 | $ 25,000 | $ 25,000 | $ 38,000 |
| Onondaga County New York | 1 | $ 35,000 | $ 35,000 | $ 18,000 |
| Guilford County North Carolina | 1 | $ 10,000 | $ 10,000 | $ 20,000 |
| Marion County Ohio | 1 | $ 25,000 | $ 25,000 | $ 45,000 |
| Berkeley County South Carolina | 1 | $ 38,000 | $ 38,000 | $ 32,000 |
| Weber County Utah | 1 | $ 16,000 | $ 16,000 | $ 26,000 |
| Augusta County Virginia | 1 | $ 35,000 | $ 35,000 | $ 18,000 |
Mortgage Loan Application Detail Totals for Hometown America 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 | 2,166 | $74,958,000 | $32,703 | $151,000 | $36,296 | $695,000 |
| Refinancing | 1 | $21,000 | $21,000 | $21,000 | $23,000 | $23,000 |
| 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 | 993 | $35,335,000 | $37,727 | $129,000 | $40,454 | $695,000 |
| Not Provided | 668 | $21,730,000 | $31,958 | $151,000 | $37,291 | $120,000 |
| Hispanic | 375 | $12,832,000 | $30,312 | $90,000 | $34,875 | $368,000 |
| Black or African American | 100 | $3,897,000 | $33,500 | $80,000 | $33,583 | $92,000 |
| American Indian or Alaskan Native | 20 | $696,000 | $37,714 | $96,000 | $28,285 | $66,000 |
| Asian | 8 | $385,000 | $49,000 | $71,000 | $51,500 | $120,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $104,000 | $34,666 | $50,000 | $38,666 | $56,000 |
| 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) | 2,165 | $74,919,000 | $32,703 | $151,000 | $36,296 | $695,000 |
| FHA-insured (Federal Housing Administration) | 2 | $60,000 | $30,000 | $35,000 | $19,500 | $26,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 928 | $30,962,000 | $31,000 | $151,000 | $33,080 | $228,000 |
| Loan Originated | 686 | $24,346,000 | $39,437 | $109,000 | $42,500 | $206,000 |
| File Closed For Incompleteness | 462 | $16,349,000 | $34,142 | $129,000 | $44,285 | $368,000 |
| Application Withdrawn By Applicant | 83 | $3,118,000 | $34,857 | $110,000 | $38,000 | $695,000 |
| Application Approved But Not Accepted | 8 | $204,000 | $22,166 | $60,000 | $25,666 | $49,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 447 | $15,006,000 | $30,208 | $100,000 | $37,458 | $228,000 |
| Debt-To-Income Ratio | 367 | $12,108,000 | $35,571 | $151,000 | $26,952 | $90,000 |
| Employment History | 65 | $1,994,000 | $30,384 | $61,000 | $30,615 | $65,000 |
| Other | 40 | $1,609,000 | $42,111 | $85,000 | $41,000 | $85,000 |
| Unverifiable Information | 8 | $231,000 | $28,800 | $50,000 | $45,000 | $96,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $14,000 | $14,000 | $14,000 | $43,000 | $43,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Hometown America'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 Hometown 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 Illinois, download the full spreadsheet
with aggregated HMDA statistics today.