Integrus Mortgage, LLC Mortgage Lending & HMDA Data, 2004
In 2004, Integrus Mortgage, LLC of Atlanta, GA reported 1,003 mortgage applications totaling $151.6 million. The average application was for $151,149, and applicants reported an average income of $77,724. 20% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (349), Houston-Baytown-Sugar Land, TX (35) and Dallas-Plano-Irving, TX (24) (applications in parentheses).
| Mortgage Company & Address | Integrus Mortgage, LLC 4001 Presidential Parkway Ste 1200 Atlanta, GA 30340 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2004 |
| Total Number of Mortgage Applications | 1,003 |
| Total Mortgage Loan Application Amount | $151,603,000 |
| Average Mortgage Loan Application Amount | $151,149 |
| Highest Mortgage Loan Application Amount | $1,196,000 |
| Average Applicant Income | $77,724 |
| Highest Applicant Income | $1,800,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Integrus Mortgage, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Atlanta-Sandy Springs-Marietta, GA | 349 | $ 54,947,000 | $ 157,441 | $ 75,000 |
| Houston-Baytown-Sugar Land, TX | 35 | $ 3,729,000 | $ 106,542 | $ 62,000 |
| Dallas-Plano-Irving, TX | 24 | $ 2,245,000 | $ 93,541 | $ 48,000 |
| Fort Worth-Arlington, TX | 20 | $ 2,483,000 | $ 124,150 | $ 59,000 |
| Los Angeles-Long Beach-Glendale, CA | 19 | $ 6,271,000 | $ 330,052 | $ 112,000 |
| Austin-Round Rock, TX | 16 | $ 1,944,000 | $ 121,500 | $ 52,000 |
| San Antonio, TX | 14 | $ 1,505,000 | $ 107,500 | $ 68,000 |
| Charlotte-Gastonia-Concord, NC-SC | 12 | $ 1,849,000 | $ 154,083 | $ 77,000 |
| Richmond, VA | 12 | $ 1,629,000 | $ 135,750 | $ 64,000 |
| Riverside-San Bernardino-Ontario, CA | 12 | $ 2,574,000 | $ 214,500 | $ 79,000 |
| Raleigh-Cary, NC | 10 | $ 927,000 | $ 92,700 | $ 57,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 10 | $ 1,961,000 | $ 196,100 | $ 98,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 10 | $ 1,368,000 | $ 136,800 | $ 74,000 |
| Corpus Christi, TX | 8 | $ 810,000 | $ 101,250 | $ 66,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 8 | $ 983,000 | $ 122,875 | $ 56,000 |
| Durham, NC | 7 | $ 725,000 | $ 103,571 | $ 37,000 |
| Gainesville, GA | 7 | $ 1,105,000 | $ 157,857 | $ 108,000 |
| Jacksonville, FL | 7 | $ 867,000 | $ 123,857 | $ 141,000 |
| Tampa-St. Petersburg-Clearwater, FL | 7 | $ 738,000 | $ 105,428 | $ 50,000 |
| Augusta-Richmond County, GA-SC | 6 | $ 780,000 | $ 130,000 | $ 72,000 |
| Columbus, GA-AL | 6 | $ 391,000 | $ 65,166 | $ 41,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 6 | $ 978,000 | $ 163,000 | $ 82,000 |
| Indianapolis, IN | 6 | $ 922,000 | $ 153,666 | $ 67,000 |
| St. Louis, MO-IL | 6 | $ 811,000 | $ 135,166 | $ 65,000 |
| Abilene, TX | 5 | $ 428,000 | $ 85,600 | $ 47,000 |
| Asheville, NC | 5 | $ 703,000 | $ 140,600 | $ 51,000 |
| Birmingham-Hoover, AL | 5 | $ 1,190,000 | $ 238,000 | $ 148,000 |
| Fort Walton Beach-Crestview-Destin, FL | 5 | $ 1,435,000 | $ 287,000 | $ 522,000 |
| Huntsville, AL | 5 | $ 867,000 | $ 173,400 | $ 71,000 |
| Little Rock-North Little Rock, AR | 5 | $ 583,000 | $ 116,600 | $ 76,000 |
| McAllen-Edinburg-Pharr, TX | 5 | $ 471,000 | $ 94,200 | $ 48,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 5 | $ 688,000 | $ 137,600 | $ 59,000 |
| Modesto, CA | 5 | $ 731,000 | $ 146,200 | $ 116,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 5 | $ 1,804,000 | $ 360,800 | $ 146,000 |
| Amarillo, TX | 4 | $ 381,000 | $ 95,250 | $ 73,000 |
| Greensboro-High Point, NC | 4 | $ 697,000 | $ 174,250 | $ 60,000 |
| Nashville-Davidson--Murfreesboro, TN | 4 | $ 544,000 | $ 136,000 | $ 55,000 |
| Orlando, FL | 4 | $ 700,000 | $ 175,000 | $ 57,000 |
| Santa Ana-Anaheim-Irvine, CA | 4 | $ 1,408,000 | $ 352,000 | $ 99,000 |
| Visalia-Porterville, CA | 4 | $ 592,000 | $ 148,000 | $ 76,000 |
| Wilmington, NC | 4 | $ 612,000 | $ 153,000 | $ 96,000 |
| Athens-Clarke County, GA | 3 | $ 395,000 | $ 131,666 | $ 37,000 |
| Charleston-North Charleston, SC | 3 | $ 347,000 | $ 115,666 | $ 96,000 |
| College Station-Bryan, TX | 3 | $ 213,000 | $ 71,000 | $ 57,000 |
| Columbia, SC | 3 | $ 340,000 | $ 113,333 | $ 97,000 |
| El Paso, TX | 3 | $ 232,000 | $ 77,333 | $ 70,000 |
| Fayetteville, NC | 3 | $ 319,000 | $ 106,333 | $ 97,000 |
| Grand Rapids-Wyoming, MI | 3 | $ 185,000 | $ 61,666 | $ 22,000 |
| Memphis, TN-MS-AR | 3 | $ 307,000 | $ 102,333 | $ 85,000 |
| Mobile, AL | 3 | $ 156,000 | $ 52,000 | $ 65,000 |
| Montgomery, AL | 3 | $ 365,000 | $ 121,666 | $ 37,000 |
| Panama City-Lynn Haven, FL | 3 | $ 216,000 | $ 72,000 | $ 99,000 |
| Portland-Vancouver-Beaverton, OR-WA | 3 | $ 570,000 | $ 190,000 | $ 76,000 |
| San Diego-Carlsbad-San Marcos, CA | 3 | $ 901,000 | $ 300,333 | $ 97,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 3 | $ 1,309,000 | $ 436,333 | $ 148,000 |
| Sarasota-Bradenton-Venice, FL | 3 | $ 458,000 | $ 152,666 | $ 132,000 |
| Savannah, GA | 3 | $ 1,013,000 | $ 337,666 | $ 119,000 |
| Stockton, CA | 3 | $ 864,000 | $ 288,000 | $ 90,000 |
| Tallahassee, FL | 3 | $ 421,000 | $ 140,333 | $ 84,000 |
| Warren-Farmington Hills-Troy, MI | 3 | $ 313,000 | $ 104,333 | $ 74,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 3 | $ 324,000 | $ 108,000 | $ 52,000 |
| Wichita Falls, TX | 3 | $ 260,000 | $ 86,666 | $ 38,000 |
| Bakersfield, CA | 2 | $ 411,000 | $ 205,500 | $ 140,000 |
| Baltimore-Towson, MD | 2 | $ 34,000 | $ 17,000 | $ 58,000 |
| Brunswick, GA | 2 | $ 167,000 | $ 83,500 | $ 56,000 |
| Harrisonburg, VA | 2 | $ 230,000 | $ 115,000 | $ 37,000 |
| Hinesville-Fort Stewart, GA | 2 | $ 146,000 | $ 73,000 | $ 28,000 |
| Hot Springs, AR | 2 | $ 225,000 | $ 112,500 | $ 50,000 |
| Jackson, MI | 2 | $ 322,000 | $ 161,000 | $ 80,000 |
| Jacksonville, NC | 2 | $ 293,000 | $ 146,500 | $ 94,000 |
| Kansas City, MO-KS | 2 | $ 350,000 | $ 175,000 | $ 50,000 |
| Laredo, TX | 2 | $ 290,000 | $ 145,000 | $ 61,000 |
| Longview, TX | 2 | $ 233,000 | $ 116,500 | $ 41,000 |
| Macon, GA | 2 | $ 166,000 | $ 83,000 | $ 50,000 |
| Medford, OR | 2 | $ 624,000 | $ 312,000 | $ 92,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 239,000 | $ 119,500 | $ 78,000 |
| New York-Wayne-White Plains, NY-NJ | 2 | $ 1,006,000 | $ 503,000 | $ 183,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 156,000 | $ 78,000 | $ 37,000 |
| Redding, CA | 2 | $ 200,000 | $ 100,000 | $ 34,000 |
| Roanoke, VA | 2 | $ 212,000 | $ 106,000 | $ 44,000 |
| San Francisco-San Mateo-Redwood City, CA | 2 | $ 914,000 | $ 457,000 | $ 241,000 |
| Santa Rosa-Petaluma, CA | 2 | $ 400,000 | $ 200,000 | $ 136,000 |
| Tyler, TX | 2 | $ 144,000 | $ 72,000 | $ 63,000 |
| Victoria, TX | 2 | $ 160,000 | $ 80,000 | $ 29,000 |
| Waco, TX | 2 | $ 238,000 | $ 119,000 | $ 159,000 |
| Warner Robins, GA | 2 | $ 310,000 | $ 155,000 | $ 93,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 2 | $ 342,000 | $ 171,000 | $ 76,000 |
| Beaumont-Port Arthur, TX | 1 | $ 138,000 | $ 138,000 | $ 65,000 |
| Bloomington, IN | 1 | $ 126,000 | $ 126,000 | $ 0 |
| Boulder, CO | 1 | $ 108,000 | $ 108,000 | $ 77,000 |
| Brownsville-Harlingen, TX | 1 | $ 72,000 | $ 72,000 | $ 57,000 |
| Charlottesville, VA | 1 | $ 142,000 | $ 142,000 | $ 216,000 |
| Chattanooga, TN-GA | 1 | $ 118,000 | $ 118,000 | $ 68,000 |
| Cheyenne, WY | 1 | $ 148,000 | $ 148,000 | $ 83,000 |
| Chicago-Naperville-Joliet, IL | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Chico, CA | 1 | $ 101,000 | $ 101,000 | $ 22,000 |
| Dalton, GA | 1 | $ 109,000 | $ 109,000 | $ 31,000 |
| Denver-Aurora, CO | 1 | $ 98,000 | $ 98,000 | $ 24,000 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 50,000 | $ 50,000 | $ 37,000 |
| El Centro, CA | 1 | $ 137,000 | $ 137,000 | $ 116,000 |
| Evansville, IN-KY | 1 | $ 99,000 | $ 99,000 | $ 30,000 |
| Florence-Muscle Shoals, AL | 1 | $ 77,000 | $ 77,000 | $ 51,000 |
| Fort Wayne, IN | 1 | $ 122,000 | $ 122,000 | $ 91,000 |
| Grand Junction, CO | 1 | $ 106,000 | $ 106,000 | $ 37,000 |
| Greenville, NC | 1 | $ 94,000 | $ 94,000 | $ 29,000 |
| Hanford-Corcoran, CA | 1 | $ 118,000 | $ 118,000 | $ 27,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 128,000 | $ 128,000 | $ 77,000 |
| Jefferson City, MO | 1 | $ 89,000 | $ 89,000 | $ 41,000 |
| Joplin, MO | 1 | $ 236,000 | $ 236,000 | $ 88,000 |
| Knoxville, TN | 1 | $ 217,000 | $ 217,000 | $ 100,000 |
| Lubbock, TX | 1 | $ 136,000 | $ 136,000 | $ 55,000 |
| Muskegon-Norton Shores, MI | 1 | $ 162,000 | $ 162,000 | $ 68,000 |
| Naples-Marco Island, FL | 1 | $ 87,000 | $ 87,000 | $ 300,000 |
| Oakland-Fremont-Hayward, CA | 1 | $ 402,000 | $ 402,000 | $ 138,000 |
| Odessa, TX | 1 | $ 90,000 | $ 90,000 | $ 40,000 |
| Port St. Lucie-Fort Pierce, FL | 1 | $ 119,000 | $ 119,000 | $ 80,000 |
| Rochester, MN | 1 | $ 265,000 | $ 265,000 | $ 81,000 |
| Salem, OR | 1 | $ 88,000 | $ 88,000 | $ 33,000 |
| San Luis Obispo-Paso Robles, CA | 1 | $ 200,000 | $ 200,000 | $ 90,000 |
| Texarkana, Tx-Texarkana, AR | 1 | $ 78,000 | $ 78,000 | $ 46,000 |
| Valdosta, GA | 1 | $ 145,000 | $ 145,000 | $ 1,289,000 |
| Vero Beach, FL | 1 | $ 255,000 | $ 255,000 | $ 114,000 |
| Winston-Salem, NC | 1 | $ 68,000 | $ 68,000 | $ 37,000 |
Mortgage Loan Application Detail Totals for Integrus Mortgage, 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 | 532 | $76,604,000 | $146,818 | $1,196,000 | $64,363 | $787,000 |
| Refinancing | 471 | $74,999,000 | $142,157 | $728,000 | $76,789 | $1,800,000 |
| 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 | 431 | $60,804,000 | $135,761 | $634,000 | $72,476 | $1,800,000 |
| Not Provided | 377 | $62,170,000 | $154,952 | $800,000 | $67,619 | $429,000 |
| Black or African American | 125 | $18,718,000 | $178,200 | $1,196,000 | $91,400 | $787,000 |
| Hispanic | 33 | $4,843,000 | $150,000 | $634,000 | $65,142 | $196,000 |
| Asian | 25 | $3,903,000 | $164,333 | $620,000 | $74,500 | $170,000 |
| American Indian or Alaskan Native | 9 | $954,000 | $94,500 | $219,000 | $49,000 | $130,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $211,000 | $85,000 | $130,000 | $53,000 | $68,000 |
| 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) | 986 | $148,959,000 | $146,250 | $1,196,000 | $70,791 | $1,800,000 |
| FHA-insured (Federal Housing Administration) | 14 | $2,168,000 | $117,750 | $228,000 | $49,250 | $80,000 |
| VA-guaranteed (Veterans Administration) | 2 | $296,000 | $148,000 | $158,000 | $50,000 | $58,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $180,000 | $180,000 | $180,000 | $102,000 | $102,000 |
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 | 527 | $79,228,000 | $145,750 | $1,196,000 | $72,250 | $1,800,000 |
| Application Denied By Financial Institution | 203 | $26,432,000 | $114,937 | $490,000 | $64,687 | $244,000 |
| Loan Originated | 202 | $35,021,000 | $160,000 | $728,000 | $81,800 | $355,000 |
| File Closed For Incompleteness | 55 | $8,348,000 | $151,538 | $526,000 | $60,692 | $240,000 |
| Application Approved But Not Accepted | 16 | $2,574,000 | $178,875 | $345,000 | $63,875 | $132,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 42 | $5,909,000 | $143,000 | $350,000 | $69,571 | $180,000 |
| Collateral | 40 | $4,769,000 | $95,333 | $311,000 | $56,583 | $128,000 |
| Other | 35 | $5,112,000 | $170,900 | $490,000 | $84,900 | $244,000 |
| Unverifiable Information | 30 | $3,712,000 | $119,833 | $334,000 | $53,500 | $150,000 |
| Credit History | 29 | $3,998,000 | $143,375 | $480,000 | $58,500 | $204,000 |
| Employment History | 10 | $1,054,000 | $103,000 | $136,000 | $73,500 | $149,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $735,000 | $132,500 | $172,000 | $39,500 | $90,000 |
| Credit Application Incomplete | 5 | $613,000 | $123,333 | $154,000 | $97,666 | $192,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Integrus Mortgage, 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 Integrus Mortgage, 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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