Hometown Lenders, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Hometown Lenders, Inc. 2005 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 Lenders, Inc. 310 The Bridge Street, 4Th Floor Suite A Huntsville, AL 35806 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2022 2021 2020 2019 2018 2017 2016 2006 2005 |
| Total Number of Mortgage Applications | 1,542 |
| Total Mortgage Loan Application Amount | $178,414,000 |
| Average Mortgage Loan Application Amount | $158,181 |
| Highest Mortgage Loan Application Amount | $680,000 |
| Average Applicant Income | $74,636 |
| Highest Applicant Income | $600,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with Hometown Lenders, Inc.. 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 Lenders, Inc.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down Hometown Lenders, Inc.'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 Lenders, Inc. serves its applicants.
Each category highlights the total number of mortgage applications processed by Hometown Lenders, Inc., 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 Lenders, Inc.'s mortgage activity for 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Madison County Alabama | 606 | $ 64,761,000 | $ 106,000 | $ 58,000 |
| Limestone County Alabama | 106 | $ 11,396,000 | $ 107,000 | $ 47,000 |
| Houston County Alabama | 71 | $ 5,867,000 | $ 82,000 | $ 45,000 |
| Rutherford County Tennessee | 64 | $ 5,588,000 | $ 87,000 | $ 35,000 |
| Davidson County Tennessee | 63 | $ 5,846,000 | $ 92,000 | $ 54,000 |
| Dale County Alabama | 55 | $ 4,160,000 | $ 75,000 | $ 45,000 |
| Jefferson County Alabama | 42 | $ 6,011,000 | $ 143,000 | $ 68,000 |
| Morgan County Alabama | 29 | $ 3,068,000 | $ 105,000 | $ 55,000 |
| Marshall County Alabama | 25 | $ 3,912,000 | $ 156,000 | $ 64,000 |
| Shelby County Alabama | 20 | $ 3,085,000 | $ 154,000 | $ 70,000 |
| Coffee County Alabama | 16 | $ 1,413,000 | $ 88,000 | $ 57,000 |
| Cullman County Alabama | 13 | $ 1,919,000 | $ 147,000 | $ 95,000 |
| Lincoln County Tennessee | 13 | $ 908,000 | $ 69,000 | $ 36,000 |
| Shelby County Tennessee | 12 | $ 2,673,000 | $ 222,000 | $ 91,000 |
| Baldwin County Alabama | 11 | $ 2,416,000 | $ 219,000 | $ 136,000 |
| Chesterfield County Virginia | 11 | $ 1,616,000 | $ 146,000 | $ 52,000 |
| Henrico County Virginia | 10 | $ 1,155,000 | $ 115,000 | $ 54,000 |
| Petersburg County Virginia | 10 | $ 826,000 | $ 82,000 | $ 57,000 |
| Tuscaloosa County Alabama | 9 | $ 1,054,000 | $ 117,000 | $ 84,000 |
| Dinwiddie County Virginia | 8 | $ 827,000 | $ 103,000 | $ 64,000 |
| Etowah County Alabama | 7 | $ 781,000 | $ 111,000 | $ 78,000 |
| Mobile County Alabama | 7 | $ 1,137,000 | $ 162,000 | $ 75,000 |
| Orange County Florida | 7 | $ 1,862,000 | $ 266,000 | $ 88,000 |
| Henry County Alabama | 6 | $ 746,000 | $ 124,000 | $ 65,000 |
| Robertson County Tennessee | 6 | $ 313,000 | $ 52,000 | $ 46,000 |
| Williamson County Tennessee | 6 | $ 1,349,000 | $ 224,000 | $ 97,000 |
| Blount County Alabama | 5 | $ 549,000 | $ 109,000 | $ 57,000 |
| Jackson County Alabama | 5 | $ 347,000 | $ 69,000 | $ 36,000 |
| Lauderdale County Alabama | 5 | $ 879,000 | $ 175,000 | $ 68,000 |
| Talladega County Alabama | 5 | $ 473,000 | $ 94,000 | $ 61,000 |
| Broward County Florida | 5 | $ 1,247,000 | $ 249,000 | $ 88,000 |
| Coffee County Tennessee | 5 | $ 672,000 | $ 134,000 | $ 63,000 |
| Montgomery County Tennessee | 5 | $ 713,000 | $ 142,000 | $ 91,000 |
| Prince William County Virginia | 5 | $ 1,867,000 | $ 373,000 | $ 184,000 |
| Richmond City County Virginia | 5 | $ 446,000 | $ 89,000 | $ 41,000 |
| Calhoun County Alabama | 4 | $ 429,000 | $ 107,000 | $ 37,000 |
| Lee County Alabama | 4 | $ 561,000 | $ 140,000 | $ 36,000 |
| Miami-Dade County Florida | 4 | $ 741,000 | $ 185,000 | $ 75,000 |
| Giles County Tennessee | 4 | $ 356,000 | $ 89,000 | $ 78,000 |
| Maury County Tennessee | 4 | $ 329,000 | $ 82,000 | $ 39,000 |
| Barbour County Alabama | 3 | $ 363,000 | $ 121,000 | $ 58,000 |
| Colbert County Alabama | 3 | $ 267,000 | $ 89,000 | $ 59,000 |
| DeKalb County Alabama | 3 | $ 339,000 | $ 113,000 | $ 56,000 |
| Elmore County Alabama | 3 | $ 529,000 | $ 176,000 | $ 122,000 |
| Hillsborough County Florida | 3 | $ 524,000 | $ 174,000 | $ 74,000 |
| Palm Beach County Florida | 3 | $ 769,000 | $ 256,000 | $ 153,000 |
| Pasco County Florida | 3 | $ 465,000 | $ 155,000 | $ 45,000 |
| Pinellas County Florida | 3 | $ 638,000 | $ 212,000 | $ 147,000 |
| Cheatham County Tennessee | 3 | $ 182,000 | $ 60,000 | $ 28,000 |
| Knox County Tennessee | 3 | $ 778,000 | $ 259,000 | $ 42,000 |
| Sumner County Tennessee | 3 | $ 185,000 | $ 61,000 | $ 50,000 |
| Fairfax County Virginia | 3 | $ 1,001,000 | $ 333,000 | $ 122,000 |
| Autauga County Alabama | 2 | $ 288,000 | $ 144,000 | $ 60,000 |
| Geneva County Alabama | 2 | $ 176,000 | $ 88,000 | $ 36,000 |
| Montgomery County Alabama | 2 | $ 243,000 | $ 121,000 | $ 53,000 |
| St. Clair County Alabama | 2 | $ 204,000 | $ 102,000 | $ 80,000 |
| Winston County Alabama | 2 | $ 329,000 | $ 164,000 | $ 65,000 |
| Bay County Florida | 2 | $ 160,000 | $ 80,000 | $ 46,000 |
| Charlotte County Florida | 2 | $ 749,000 | $ 374,000 | $ 137,000 |
| Nassau County Florida | 2 | $ 155,000 | $ 77,000 | $ 34,000 |
| Volusia County Florida | 2 | $ 224,000 | $ 112,000 | $ 72,000 |
| Marion County Tennessee | 2 | $ 132,000 | $ 66,000 | $ 39,000 |
| Marshall County Tennessee | 2 | $ 172,000 | $ 86,000 | $ 54,000 |
| Roane County Tennessee | 2 | $ 439,000 | $ 219,000 | $ 137,000 |
| Washington County Tennessee | 2 | $ 123,000 | $ 61,000 | $ 79,000 |
| Wayne County Tennessee | 2 | $ 183,000 | $ 91,000 | $ 12,000 |
| Wilson County Tennessee | 2 | $ 187,000 | $ 93,000 | $ 71,000 |
| James City County Virginia | 2 | $ 494,000 | $ 247,000 | $ 65,000 |
| Franklin County Alabama | 1 | $ 45,000 | $ 45,000 | $ 36,000 |
| Lawrence County Alabama | 1 | $ 170,000 | $ 170,000 | $ 38,000 |
| Marion County Alabama | 1 | $ 243,000 | $ 243,000 | $ 96,000 |
| Pickens County Alabama | 1 | $ 25,000 | $ 25,000 | $ 115,000 |
| Randolph County Alabama | 1 | $ 376,000 | $ 376,000 | $ 165,000 |
| Sussex County Delaware | 1 | $ 134,000 | $ 134,000 | $ 144,000 |
| Collier County Florida | 1 | $ 185,000 | $ 185,000 | $ 285,000 |
| Duval County Florida | 1 | $ 112,000 | $ 112,000 | $ 39,000 |
| Escambia County Florida | 1 | $ 234,000 | $ 234,000 | $ 91,000 |
| Indian River County Florida | 1 | $ 100,000 | $ 100,000 | $ 75,000 |
| Jackson County Florida | 1 | $ 80,000 | $ 80,000 | $ 56,000 |
| Leon County Florida | 1 | $ 231,000 | $ 231,000 | $ 95,000 |
| Marion County Florida | 1 | $ 130,000 | $ 130,000 | $ 71,000 |
| Osceola County Florida | 1 | $ 180,000 | $ 180,000 | $ 35,000 |
| St. Johns County Florida | 1 | $ 414,000 | $ 414,000 | $ 98,000 |
| St. Lucie County Florida | 1 | $ 258,000 | $ 258,000 | $ 111,000 |
| Sumter County Florida | 1 | $ 200,000 | $ 200,000 | $ 50,000 |
| Nash County North Carolina | 1 | $ 245,000 | $ 245,000 | $ 71,000 |
| Anderson County Tennessee | 1 | $ 100,000 | $ 100,000 | $ 41,000 |
| Bedford County Tennessee | 1 | $ 65,000 | $ 65,000 | $ 36,000 |
| Benton County Tennessee | 1 | $ 110,000 | $ 110,000 | $ 73,000 |
| Blount County Tennessee | 1 | $ 115,000 | $ 115,000 | $ 97,000 |
| Decatur County Tennessee | 1 | $ 44,000 | $ 44,000 | $ 42,000 |
| Dyer County Tennessee | 1 | $ 50,000 | $ 50,000 | $ 49,000 |
| Hamblen County Tennessee | 1 | $ 230,000 | $ 230,000 | $ 101,000 |
| Hawkins County Tennessee | 1 | $ 78,000 | $ 78,000 | $ 136,000 |
| Jefferson County Tennessee | 1 | $ 169,000 | $ 169,000 | $ 105,000 |
| Loudon County Tennessee | 1 | $ 229,000 | $ 229,000 | $ 50,000 |
| Madison County Tennessee | 1 | $ 216,000 | $ 216,000 | $ 143,000 |
| Obion County Tennessee | 1 | $ 58,000 | $ 58,000 | $ 74,000 |
| Polk County Tennessee | 1 | $ 215,000 | $ 215,000 | $ 44,000 |
| Sullivan County Tennessee | 1 | $ 145,000 | $ 145,000 | $ 45,000 |
| Tipton County Tennessee | 1 | $ 180,000 | $ 180,000 | $ 50,000 |
| Albemarle County Virginia | 1 | $ 150,000 | $ 150,000 | $ 69,000 |
| Amherst County Virginia | 1 | $ 81,000 | $ 81,000 | $ 30,000 |
| Arlington County Virginia | 1 | $ 181,000 | $ 181,000 | $ 116,000 |
| Fauquier County Virginia | 1 | $ 484,000 | $ 484,000 | $ 149,000 |
| Franklin County Virginia | 1 | $ 137,000 | $ 137,000 | $ 65,000 |
| Frederick County Virginia | 1 | $ 325,000 | $ 325,000 | $ 59,000 |
| Loudoun County Virginia | 1 | $ 545,000 | $ 545,000 | $ 188,000 |
| Northampton County Virginia | 1 | $ 504,000 | $ 504,000 | $ 192,000 |
| Prince George County Virginia | 1 | $ 135,000 | $ 135,000 | $ 48,000 |
| Smyth County Virginia | 1 | $ 215,000 | $ 215,000 | $ 58,000 |
| Spotsylvania County Virginia | 1 | $ 276,000 | $ 276,000 | $ 78,000 |
| Sussex County Virginia | 1 | $ 148,000 | $ 148,000 | $ 80,000 |
| York County Virginia | 1 | $ 146,000 | $ 146,000 | $ 79,000 |
Mortgage Loan Application Detail Totals for Hometown Lenders, Inc. in 2005
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 | 1,181 | $128,172,000 | $152,571 | $628,000 | $75,714 | $600,000 |
| Refinancing | 361 | $50,242,000 | $168,000 | $680,000 | $72,750 | $457,000 |
| 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 | 828 | $97,801,000 | $160,000 | $680,000 | $77,857 | $354,000 |
| Black or African American | 371 | $35,459,000 | $112,000 | $512,000 | $51,200 | $457,000 |
| Not Provided | 253 | $36,112,000 | $175,200 | $627,000 | $68,400 | $285,000 |
| Hispanic | 74 | $6,827,000 | $91,600 | $654,000 | $42,200 | $157,000 |
| Asian | 9 | $1,335,000 | $162,333 | $328,000 | $142,000 | $600,000 |
| American Indian or Alaskan Native | 6 | $792,000 | $123,000 | $301,000 | $55,500 | $125,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $88,000 | $88,000 | $88,000 | $66,000 | $66,000 |
| 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) | 1,342 | $156,324,000 | $155,571 | $680,000 | $77,714 | $600,000 |
| FHA-insured (Federal Housing Administration) | 127 | $11,737,000 | $89,200 | $173,000 | $33,200 | $98,000 |
| VA-guaranteed (Veterans Administration) | 53 | $8,333,000 | $182,600 | $315,000 | $62,800 | $127,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $2,020,000 | $92,000 | $161,000 | $26,500 | $59,000 |
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 | 1,164 | $131,714,000 | $142,285 | $680,000 | $81,285 | $457,000 |
| Application Withdrawn By Applicant | 257 | $34,279,000 | $181,000 | $628,000 | $71,000 | $600,000 |
| Application Denied By Financial Institution | 111 | $11,519,000 | $129,600 | $342,000 | $46,400 | $216,000 |
| Application Approved But Not Accepted | 8 | $435,000 | $60,666 | $98,000 | $56,666 | $93,000 |
| File Closed For Incompleteness | 1 | $232,000 | $232,000 | $232,000 | $104,000 | $104,000 |
| Preapproval Denied by Financial Institution | 1 | $235,000 | $235,000 | $235,000 | $37,000 | $37,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 73 | $7,171,000 | $108,000 | $272,000 | $36,250 | $216,000 |
| Debt-To-Income Ratio | 16 | $1,706,000 | $114,400 | $315,000 | $43,400 | $93,000 |
| Collateral | 8 | $759,000 | $117,750 | $187,000 | $52,750 | $90,000 |
| Other | 8 | $1,320,000 | $156,500 | $342,000 | $57,000 | $109,000 |
| Employment History | 4 | $369,000 | $91,333 | $119,000 | $31,666 | $84,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $195,000 | $195,000 | $195,000 | $60,000 | $60,000 |
| Unverifiable Information | 1 | $98,000 | $98,000 | $98,000 | $36,000 | $36,000 |
| Credit Application Incomplete | 1 | $136,000 | $136,000 | $136,000 | $42,000 | $42,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Hometown Lenders, Inc.'s 2005 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 Lenders, Inc.'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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with aggregated HMDA statistics today.