Loancity Mortgage Lending & HMDA Data, 2004

In 2004, Loancity of San Jose, CA reported 58,195 mortgage applications totaling $13.0 billion, up 12% from 2003. The average application was for $223,216, and applicants reported an average income of $80,443. 62% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Sacramento--Arden-Arcade--Roseville, CA (3,963), Oakland-Fremont-Hayward, CA (3,174) and Portland-Vancouver-Beaverton, OR-WA (3,137) (applications in parentheses).

Mortgage Company & Address Loancity
5671 Santa Teresa Boulevard
San Jose, CA 95123
Tel #: available with data download
Federal Regulator * available with data download
Years 2006  2005  2004  2003  
Total Number of Mortgage Applications 58,195
Total Mortgage Loan Application Amount $12,990,088,000
Average Mortgage Loan Application Amount $223,216
Highest Mortgage Loan Application Amount $2,100,000
Average Applicant Income $80,443
Highest Applicant Income $9,466,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Loancity filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Totals for Loancity by County in 2004

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Sacramento, California 2,535 $ 590,361,000 $ 232,884 $ 94,000
Maricopa, Arizona 2,106 $ 375,272,000 $ 178,191 $ 52,000
Santa Clara, California 2,104 $ 847,965,000 $ 403,025 $ 139,000
San Diego, California 1,878 $ 608,225,000 $ 323,868 $ 241,000
King, Washington 1,724 $ 405,456,000 $ 235,183 $ 80,000
Contra Costa, California 1,632 $ 599,726,000 $ 367,479 $ 114,000
Los Angeles, California 1,598 $ 469,049,000 $ 293,522 $ 137,000
Alameda, California 1,542 $ 584,908,000 $ 379,317 $ 109,000
Orange, California 1,229 $ 437,743,000 $ 356,178 $ 108,000
Multnomah, Oregon 1,218 $ 220,746,000 $ 181,236 $ 65,000
Washington, Oregon 1,028 $ 185,196,000 $ 180,151 $ 64,000
Lane, Oregon 932 $ 134,115,000 $ 143,900 $ 59,000
Placer, California 902 $ 248,660,000 $ 275,676 $ 122,000
Clark, Nevada 878 $ 169,299,000 $ 192,823 $ 66,000
Riverside, California 807 $ 205,249,000 $ 254,335 $ 188,000
Clackamas, Oregon 754 $ 150,388,000 $ 199,453 $ 60,000
Clark, Washington 739 $ 122,219,000 $ 165,384 $ 50,000
San Joaquin, California 659 $ 163,490,000 $ 248,088 $ 92,000
Snohomish, Washington 612 $ 121,330,000 $ 198,251 $ 79,000
Marion, Oregon 605 $ 82,183,000 $ 135,839 $ 46,000
Solano, California 585 $ 155,707,000 $ 266,165 $ 85,000
Pierce, Washington 529 $ 97,244,000 $ 183,826 $ 67,000
Miami-Dade, Florida 477 $ 81,624,000 $ 171,119 $ 82,000
Tarrant, Texas 476 $ 53,751,000 $ 112,922 $ 60,000
San Mateo, California 473 $ 213,613,000 $ 451,613 $ 131,000
Salt Lake, Utah 453 $ 78,872,000 $ 174,110 $ 50,000
San Bernardino, California 436 $ 94,719,000 $ 217,245 $ 82,000
Arapahoe, Colorado 432 $ 82,897,000 $ 191,891 $ 50,000
Cook, Illinois 429 $ 83,870,000 $ 195,501 $ 64,000
Denver, Colorado 428 $ 82,304,000 $ 192,299 $ 51,000
Stanislaus, California 420 $ 86,279,000 $ 205,426 $ 76,000
Pima, Arizona 412 $ 62,947,000 $ 152,783 $ 46,000
Jefferson, Colorado 407 $ 80,979,000 $ 198,965 $ 62,000
El Dorado, California 368 $ 100,032,000 $ 271,826 $ 97,000
Hillsborough, Florida 364 $ 51,951,000 $ 142,722 $ 51,000
Sonoma, California 363 $ 122,362,000 $ 337,085 $ 145,000
Broward, Florida 338 $ 60,904,000 $ 180,189 $ 62,000
Adams, Colorado 337 $ 58,328,000 $ 173,080 $ 41,000
Fresno, California 334 $ 62,206,000 $ 186,245 $ 116,000
Fairfax, Virginia 326 $ 92,460,000 $ 283,619 $ 90,000
Montgomery, Maryland 325 $ 87,047,000 $ 267,836 $ 91,000
Dallas, Texas 324 $ 41,343,000 $ 127,601 $ 64,000
Washoe, Nevada 308 $ 72,554,000 $ 235,564 $ 92,000
Pinellas, Florida 306 $ 46,918,000 $ 153,326 $ 67,000
San Francisco, California 302 $ 130,088,000 $ 430,754 $ 134,000
Allegheny, Pennsylvania 297 $ 42,216,000 $ 142,141 $ 86,000
Calcasieu, Louisiana 285 $ 32,084,000 $ 112,575 $ 63,000
Palm Beach, Florida 271 $ 49,689,000 $ 183,354 $ 75,000
Utah, Utah 262 $ 45,521,000 $ 173,744 $ 50,000
Spokane, Washington 262 $ 32,159,000 $ 122,744 $ 48,000
Nevada, California 258 $ 69,051,000 $ 267,639 $ 122,000
Bernalillo, New Mexico 233 $ 31,787,000 $ 136,424 $ 53,000
Deschutes, Oregon 232 $ 42,628,000 $ 183,741 $ 81,000
Montgomery, Pennsylvania 227 $ 46,450,000 $ 204,625 $ 89,000
Harris, Texas 226 $ 31,120,000 $ 137,699 $ 96,000
Chester, Pennsylvania 223 $ 45,527,000 $ 204,156 $ 89,000
Jackson, Oregon 218 $ 37,859,000 $ 173,665 $ 54,000
Bucks, Pennsylvania 217 $ 44,670,000 $ 205,852 $ 98,000
Shasta, California 213 $ 36,683,000 $ 172,220 $ 83,000
Monterey, California 200 $ 63,064,000 $ 315,320 $ 106,000
Monmouth, New Jersey 200 $ 46,459,000 $ 232,295 $ 131,000
Douglas, Nevada 199 $ 43,779,000 $ 219,994 $ 66,000
Collin, Texas 196 $ 29,864,000 $ 152,367 $ 63,000
Douglas, Colorado 189 $ 44,110,000 $ 233,386 $ 71,000
Fulton, Georgia 182 $ 41,749,000 $ 229,390 $ 74,000
Douglas, Nebraska 182 $ 23,993,000 $ 131,829 $ 44,000
Cobb, Georgia 179 $ 30,602,000 $ 170,960 $ 53,000
Gwinnett, Georgia 175 $ 29,084,000 $ 166,194 $ 56,000
Ocean, New Jersey 173 $ 34,748,000 $ 200,855 $ 86,000
Anne Arundel, Maryland 165 $ 35,379,000 $ 214,418 $ 70,000
Philadelphia, Pennsylvania 159 $ 23,193,000 $ 145,867 $ 58,000
Yolo, California 158 $ 37,670,000 $ 238,417 $ 89,000
Baltimore, Maryland 158 $ 26,901,000 $ 170,259 $ 56,000
Polk, Oregon 158 $ 21,238,000 $ 134,417 $ 52,000
San Luis Obispo, California 157 $ 54,425,000 $ 346,656 $ 119,000
Ventura, California 156 $ 51,092,000 $ 327,512 $ 109,000
Oklahoma, Oklahoma 152 $ 20,407,000 $ 134,256 $ 55,000
Middlesex, New Jersey 150 $ 32,161,000 $ 214,406 $ 78,000
Mecklenburg, North Carolina 150 $ 32,310,000 $ 215,400 $ 90,000
Marin, California 145 $ 72,318,000 $ 498,744 $ 154,000
Larimer, Colorado 135 $ 26,219,000 $ 194,214 $ 69,000
DeKalb, Georgia 134 $ 21,247,000 $ 158,559 $ 59,000
Santa Cruz, California 133 $ 51,467,000 $ 386,969 $ 144,000
Boulder, Colorado 133 $ 30,465,000 $ 229,060 $ 60,000
Pasco, Florida 130 $ 17,608,000 $ 135,446 $ 56,000
Kitsap, Washington 130 $ 26,001,000 $ 200,007 $ 60,000
Thurston, Washington 129 $ 20,172,000 $ 156,372 $ 66,000
Bergen, New Jersey 125 $ 34,478,000 $ 275,824 $ 80,000
Wake, North Carolina 125 $ 20,970,000 $ 167,760 $ 48,000
Napa, California 124 $ 38,715,000 $ 312,217 $ 100,000
Weld, Colorado 124 $ 20,480,000 $ 165,161 $ 48,000
Denton, Texas 124 $ 18,398,000 $ 148,370 $ 75,000
Mohave, Arizona 123 $ 16,133,000 $ 131,162 $ 59,000
East Baton Rouge, Louisiana 123 $ 14,169,000 $ 115,195 $ 52,000
Tulsa, Oklahoma 123 $ 12,968,000 $ 105,430 $ 48,000
Pinal, Arizona 120 $ 17,158,000 $ 142,983 $ 41,000
Whatcom, Washington 119 $ 22,224,000 $ 186,756 $ 75,000
Delaware, Pennsylvania 117 $ 23,162,000 $ 197,965 $ 89,000
Jefferson, Kentucky 116 $ 18,198,000 $ 156,879 $ 68,000
Kern, California 115 $ 19,557,000 $ 170,060 $ 80,000
Prince George's, Maryland 114 $ 19,611,000 $ 172,026 $ 52,000
Butte, California 113 $ 23,277,000 $ 205,991 $ 72,000
DuPage, Illinois 109 $ 24,374,000 $ 223,614 $ 84,000
Howard, Maryland 106 $ 26,648,000 $ 251,396 $ 102,000
Cherokee, Georgia 105 $ 19,390,000 $ 184,666 $ 64,000
Linn, Oregon 105 $ 12,757,000 $ 121,495 $ 45,000
Essex, New Jersey 104 $ 25,541,000 $ 245,586 $ 48,000
Morris, New Jersey 104 $ 26,127,000 $ 251,221 $ 91,000
Carson City, Nevada 102 $ 18,262,000 $ 179,039 $ 63,000
Loudoun, Virginia 102 $ 29,882,000 $ 292,960 $ 80,000
Yavapai, Arizona 100 $ 14,519,000 $ 145,190 $ 45,000
Mobile, Alabama 99 $ 8,825,000 $ 89,141 $ 36,000
Yuba, California 99 $ 17,534,000 $ 177,111 $ 55,000
York, Pennsylvania 99 $ 13,506,000 $ 136,424 $ 63,000
Knox, Tennessee 99 $ 14,202,000 $ 143,454 $ 66,000
Sutter, California 98 $ 16,678,000 $ 170,183 $ 92,000
Kootenai, Idaho 93 $ 13,832,000 $ 148,731 $ 55,000
Prince William, Virginia 93 $ 24,108,000 $ 259,225 $ 74,000
Bossier, Louisiana 91 $ 12,396,000 $ 136,219 $ 73,000
Caddo, Louisiana 89 $ 10,886,000 $ 122,314 $ 44,000
Camden, New Jersey 89 $ 13,787,000 $ 154,910 $ 55,000
Benton, Oregon 89 $ 12,399,000 $ 139,314 $ 68,000
Lake, Indiana 88 $ 11,114,000 $ 126,295 $ 57,000
Santa Fe, New Mexico 88 $ 18,502,000 $ 210,250 $ 77,000
Tulare, California 87 $ 12,269,000 $ 141,022 $ 87,000
El Paso, Colorado 87 $ 16,888,000 $ 194,114 $ 55,000
Merced, California 84 $ 16,661,000 $ 198,345 $ 67,000
Lee, Florida 83 $ 14,850,000 $ 178,915 $ 86,000
Ada, Idaho 83 $ 12,818,000 $ 154,433 $ 71,000
Will, Illinois 83 $ 14,436,000 $ 173,927 $ 66,000
Calaveras, California 81 $ 18,789,000 $ 231,962 $ 89,000
Lake, Illinois 81 $ 18,635,000 $ 230,061 $ 90,000
Burlington, New Jersey 81 $ 14,626,000 $ 180,567 $ 66,000
Davis, Utah 81 $ 13,528,000 $ 167,012 $ 70,000
Passaic, New Jersey 80 $ 20,738,000 $ 259,225 $ 67,000
Yamhill, Oregon 80 $ 13,927,000 $ 174,087 $ 50,000
Mason, Washington 80 $ 10,006,000 $ 125,075 $ 57,000
Frederick, Virginia 79 $ 13,818,000 $ 174,911 $ 50,000
Benton, Washington 77 $ 10,282,000 $ 133,532 $ 51,000
Cowlitz, Washington 75 $ 10,982,000 $ 146,426 $ 91,000
Union, New Jersey 74 $ 16,733,000 $ 226,121 $ 55,000
Forsyth, Georgia 72 $ 14,405,000 $ 200,069 $ 64,000
Mendocino, California 70 $ 18,744,000 $ 267,771 $ 91,000
Chelan, Washington 69 $ 11,731,000 $ 170,014 $ 69,000
Kane, Illinois 68 $ 11,577,000 $ 170,250 $ 58,000
Lancaster, Pennsylvania 66 $ 9,481,000 $ 143,651 $ 68,000
Hamilton, Tennessee 66 $ 7,705,000 $ 116,742 $ 31,000
Santa Barbara, California 65 $ 20,313,000 $ 312,507 $ 115,000
Orange, Florida 65 $ 9,995,000 $ 153,769 $ 74,000
Somerset, New Jersey 64 $ 16,099,000 $ 251,546 $ 100,000
Wayne, Michigan 63 $ 8,206,000 $ 130,253 $ 44,000
Frederick, Maryland 62 $ 12,334,000 $ 198,935 $ 61,000
Sarpy, Nebraska 62 $ 8,977,000 $ 144,790 $ 39,000
Skagit, Washington 62 $ 10,294,000 $ 166,032 $ 52,000
Hartford, Connecticut 59 $ 10,383,000 $ 175,983 $ 41,000
Gloucester, New Jersey 58 $ 9,884,000 $ 170,413 $ 65,000
Baltimore City, Maryland 57 $ 9,146,000 $ 160,456 $ 75,000
Mercer, New Jersey 57 $ 10,963,000 $ 192,333 $ 70,000
Columbia, Oregon 57 $ 7,884,000 $ 138,315 $ 36,000
Berks, Pennsylvania 57 $ 7,644,000 $ 134,105 $ 52,000
Paulding, Georgia 56 $ 7,251,000 $ 129,482 $ 40,000
Lyon, Nevada 55 $ 8,249,000 $ 149,981 $ 60,000
Amador, California 54 $ 11,345,000 $ 210,092 $ 68,000
Cumberland, Pennsylvania 54 $ 8,319,000 $ 154,055 $ 57,000
Westmoreland, Pennsylvania 54 $ 7,089,000 $ 131,277 $ 69,000
Tuolumne, California 53 $ 10,468,000 $ 197,509 $ 109,000
Manatee, Florida 53 $ 9,551,000 $ 180,207 $ 84,000
Northampton, Pennsylvania 53 $ 9,865,000 $ 186,132 $ 77,000
Carroll, Maryland 52 $ 10,789,000 $ 207,480 $ 70,000
Lincoln, Oregon 51 $ 9,229,000 $ 180,960 $ 99,000
Cache, Utah 50 $ 6,379,000 $ 127,580 $ 46,000
Coconino, Arizona 49 $ 8,977,000 $ 183,204 $ 113,000
Bonner, Idaho 49 $ 8,173,000 $ 166,795 $ 74,000
Oakland, Michigan 47 $ 9,967,000 $ 212,063 $ 65,000
Josephine, Oregon 47 $ 6,756,000 $ 143,744 $ 53,000
Montgomery, Texas 46 $ 7,756,000 $ 168,608 $ 98,000
Madera, California 45 $ 8,611,000 $ 191,355 $ 59,000
Middlesex, Massachusetts 44 $ 12,448,000 $ 282,909 $ 106,000
St. Louis, Missouri 44 $ 7,673,000 $ 174,386 $ 82,000
Wichita, Texas 44 $ 4,152,000 $ 94,363 $ 41,000
New Castle, Delaware 43 $ 8,088,000 $ 188,093 $ 85,000
Missoula, Montana 43 $ 7,216,000 $ 167,813 $ 49,000
Washington, Pennsylvania 43 $ 7,012,000 $ 163,069 $ 54,000
Washington, Utah 43 $ 7,252,000 $ 168,651 $ 69,000
Spotsylvania, Virginia 43 $ 7,874,000 $ 183,116 $ 48,000
Sarasota, Florida 42 $ 7,010,000 $ 166,904 $ 64,000
Atlantic, New Jersey 42 $ 8,067,000 $ 192,071 $ 73,000
Shelby, Tennessee 42 $ 6,867,000 $ 163,500 $ 78,000
Bartow, Georgia 41 $ 5,334,000 $ 130,097 $ 47,000
Livingston, Louisiana 41 $ 4,318,000 $ 105,317 $ 47,000
Hennepin, Minnesota 41 $ 7,999,000 $ 195,097 $ 52,000
Douglas, Oregon 41 $ 5,625,000 $ 137,195 $ 47,000
Monroe, Pennsylvania 41 $ 6,356,000 $ 155,024 $ 86,000
Oldham, Kentucky 40 $ 6,184,000 $ 154,600 $ 145,000
Harford, Maryland 40 $ 7,627,000 $ 190,675 $ 82,000
Guilford, North Carolina 40 $ 5,336,000 $ 133,400 $ 31,000
Fort Bend, Texas 40 $ 6,043,000 $ 151,075 $ 66,000
Cochise, Arizona 39 $ 4,607,000 $ 118,128 $ 33,000
Yuma, Arizona 39 $ 3,823,000 $ 98,025 $ 11,000
Clarke, Georgia 39 $ 4,517,000 $ 115,820 $ 57,000
Ascension, Louisiana 39 $ 5,321,000 $ 136,435 $ 64,000
Beaverhead, Montana 39 $ 3,955,000 $ 101,410 $ 44,000
El Paso, Texas 39 $ 3,686,000 $ 94,512 $ 42,000
Johnson, Texas 39 $ 4,654,000 $ 119,333 $ 60,000
St. Tammany, Louisiana 38 $ 5,705,000 $ 150,131 $ 63,000
Umatilla, Oregon 38 $ 3,712,000 $ 97,684 $ 34,000
Parker, Texas 38 $ 4,609,000 $ 121,289 $ 55,000
McHenry, Illinois 37 $ 6,397,000 $ 172,891 $ 61,000
Tehama, California 35 $ 6,011,000 $ 171,742 $ 56,000
Flathead, Montana 35 $ 5,767,000 $ 164,771 $ 65,000
Hunterdon, New Jersey 35 $ 8,798,000 $ 251,371 $ 89,000
Cleveland, Oklahoma 35 $ 3,913,000 $ 111,800 $ 54,000
Dauphin, Pennsylvania 35 $ 4,230,000 $ 120,857 $ 59,000
Franklin, Washington 35 $ 4,304,000 $ 122,971 $ 40,000
San Benito, California 34 $ 12,661,000 $ 372,382 $ 113,000
Madison, Alabama 33 $ 4,336,000 $ 131,393 $ 58,000
Broomfield, Colorado 33 $ 6,659,000 $ 201,787 $ 67,000
Pueblo, Colorado 33 $ 4,323,000 $ 131,000 $ 44,000
Brevard, Florida 33 $ 5,290,000 $ 160,303 $ 62,000
Collier, Florida 33 $ 7,756,000 $ 235,030 $ 91,000
Jefferson, Louisiana 33 $ 4,499,000 $ 136,333 $ 46,000
St. Charles, Missouri 33 $ 5,324,000 $ 161,333 $ 49,000
Weber, Utah 33 $ 5,014,000 $ 151,939 $ 60,000
Virginia Beach, Virginia 33 $ 5,080,000 $ 153,939 $ 45,000
Clayton, Georgia 32 $ 3,462,000 $ 108,187 $ 23,000
Oconee, Georgia 32 $ 4,988,000 $ 155,875 $ 96,000
Hudson, New Jersey 32 $ 8,006,000 $ 250,187 $ 87,000
Durham, North Carolina 32 $ 4,788,000 $ 149,625 $ 44,000
Moore, North Carolina 32 $ 5,183,000 $ 161,968 $ 72,000
Butler, Pennsylvania 32 $ 5,786,000 $ 180,812 $ 89,000
Douglas, Washington 32 $ 4,388,000 $ 137,125 $ 33,000
Yakima, Washington 32 $ 3,562,000 $ 111,312 $ 59,000
Lake, California 31 $ 5,985,000 $ 193,064 $ 76,000
Cape May, New Jersey 31 $ 7,214,000 $ 232,709 $ 144,000
Sandoval, New Mexico 31 $ 5,470,000 $ 176,451 $ 52,000
Hood River, Oregon 31 $ 4,593,000 $ 148,161 $ 53,000
Lehigh, Pennsylvania 31 $ 4,691,000 $ 151,322 $ 70,000
Davidson, Tennessee 31 $ 4,931,000 $ 159,064 $ 63,000
Bexar, Texas 31 $ 4,331,000 $ 139,709 $ 76,000
Arlington, Virginia 31 $ 9,868,000 $ 318,322 $ 98,000
District of Columbia, District Of Columbia 30 $ 8,323,000 $ 277,433 $ 96,000
St. Lucie, Florida 30 $ 4,656,000 $ 155,200 $ 48,000
Canyon, Idaho 30 $ 3,279,000 $ 109,300 $ 47,000
Sussex, Delaware 29 $ 6,539,000 $ 225,482 $ 64,000
Clatsop, Oregon 28 $ 3,730,000 $ 133,214 $ 85,000
Coos, Oregon 28 $ 4,333,000 $ 154,750 $ 44,000
Summit, Colorado 27 $ 6,756,000 $ 250,222 $ 107,000
Calvert, Maryland 27 $ 7,407,000 $ 274,333 $ 80,000
Orange, North Carolina 27 $ 6,267,000 $ 232,111 $ 82,000
Baldwin, Alabama 26 $ 4,040,000 $ 155,384 $ 34,000
Siskiyou, California 26 $ 5,115,000 $ 196,730 $ 118,000
Sussex, New Jersey 26 $ 5,213,000 $ 200,500 $ 69,000
Rogers, Oklahoma 26 $ 2,598,000 $ 99,923 $ 75,000
Henderson, Texas 26 $ 2,971,000 $ 114,269 $ 124,000
Stafford, Virginia 26 $ 5,604,000 $ 215,538 $ 53,000
Mono, California 25 $ 6,007,000 $ 240,280 $ 115,000
Polk, Florida 25 $ 3,014,000 $ 120,560 $ 55,000
Lancaster, Nebraska 25 $ 3,567,000 $ 142,680 $ 44,000
Pitt, North Carolina 25 $ 2,723,000 $ 108,920 $ 45,000
Lewis, Washington 25 $ 3,588,000 $ 143,520 $ 61,000
Navajo, Arizona 24 $ 3,868,000 $ 161,166 $ 68,000
Teton, Idaho 24 $ 3,381,000 $ 140,875 $ 44,000
Lafayette, Louisiana 24 $ 3,110,000 $ 129,583 $ 43,000
Wagoner, Oklahoma 24 $ 2,489,000 $ 103,708 $ 46,000
Rutherford, Tennessee 24 $ 3,456,000 $ 144,000 $ 37,000
Williamson, Tennessee 24 $ 5,947,000 $ 247,791 $ 59,000
Chesterfield, Virginia 24 $ 3,621,000 $ 150,875 $ 61,000
Lassen, California 23 $ 3,387,000 $ 147,260 $ 58,000
Seminole, Florida 23 $ 3,269,000 $ 142,130 $ 86,000
Kosciusko, Indiana 23 $ 2,189,000 $ 95,173 $ 53,000
Worcester, Massachusetts 23 $ 4,927,000 $ 214,217 $ 91,000
Warren, New Jersey 23 $ 4,359,000 $ 189,521 $ 65,000
Tillamook, Oregon 23 $ 3,648,000 $ 158,608 $ 108,000
Richland, South Carolina 23 $ 3,038,000 $ 132,086 $ 57,000
Island, Washington 23 $ 4,821,000 $ 209,608 $ 70,000
Fairfield, Connecticut 22 $ 6,818,000 $ 309,909 $ 67,000
New Haven, Connecticut 22 $ 4,012,000 $ 182,363 $ 43,000
Duval, Florida 22 $ 3,005,000 $ 136,590 $ 45,000
Appling, Georgia 22 $ 3,376,000 $ 153,454 $ 0
Blaine, Idaho 22 $ 5,498,000 $ 249,909 $ 76,000
Porter, Indiana 22 $ 2,805,000 $ 127,500 $ 39,000
Beauregard, Louisiana 22 $ 2,573,000 $ 116,954 $ 39,000
Pike, Pennsylvania 22 $ 3,824,000 $ 173,818 $ 68,000
Glenn, California 21 $ 2,774,000 $ 132,095 $ 39,000
Charleston, South Carolina 21 $ 5,340,000 $ 254,285 $ 99,000
Ellis, Texas 21 $ 3,203,000 $ 152,523 $ 49,000
Travis, Texas 21 $ 3,496,000 $ 166,476 $ 59,000
Alexandria, Virginia 21 $ 4,562,000 $ 217,238 $ 64,000
Henrico, Virginia 21 $ 3,542,000 $ 168,666 $ 61,000
Grays Harbor, Washington 21 $ 2,902,000 $ 138,190 $ 78,000
Charles, Maryland 20 $ 4,205,000 $ 210,250 $ 48,000
Macomb, Michigan 20 $ 3,756,000 $ 187,800 $ 64,000
Union, North Carolina 20 $ 3,995,000 $ 199,750 $ 66,000
Chesapeake, Virginia 20 $ 3,349,000 $ 167,450 $ 52,000
Berkeley, West Virginia 20 $ 2,939,000 $ 146,950 $ 85,000
Imperial, California 19 $ 2,673,000 $ 140,684 $ 82,000
La Plata, Colorado 19 $ 3,338,000 $ 175,684 $ 61,000
Lake, Florida 19 $ 2,229,000 $ 117,315 $ 91,000
Daviess, Kentucky 19 $ 2,348,000 $ 123,578 $ 39,000
Gaston, North Carolina 19 $ 3,039,000 $ 159,947 $ 49,000
Iredell, North Carolina 19 $ 3,317,000 $ 174,578 $ 70,000
Florence, South Carolina 19 $ 2,396,000 $ 126,105 $ 37,000
Galveston, Texas 19 $ 3,294,000 $ 173,368 $ 135,000
Kaufman, Texas 19 $ 2,179,000 $ 114,684 $ 54,000
Humboldt, California 18 $ 3,207,000 $ 178,166 $ 60,000
Mesa, Colorado 18 $ 2,327,000 $ 129,277 $ 44,000
Martin, Florida 18 $ 3,773,000 $ 209,611 $ 59,000
Volusia, Florida 18 $ 2,540,000 $ 141,111 $ 59,000
Fayette, Georgia 18 $ 3,960,000 $ 220,000 $ 67,000
Dakota, Minnesota 18 $ 5,146,000 $ 285,888 $ 86,000
Hays, Texas 18 $ 3,099,000 $ 172,166 $ 80,000
Grand, Colorado 17 $ 3,062,000 $ 180,117 $ 77,000
Leon, Florida 17 $ 2,723,000 $ 160,176 $ 48,000
Henry, Georgia 17 $ 2,616,000 $ 153,882 $ 37,000
Boone, Indiana 17 $ 2,184,000 $ 128,470 $ 76,000
Marion, Indiana 17 $ 2,037,000 $ 119,823 $ 48,000
Cecil, Maryland 17 $ 3,130,000 $ 184,117 $ 52,000
Chatham, North Carolina 17 $ 2,851,000 $ 167,705 $ 34,000
Johnston, North Carolina 17 $ 2,036,000 $ 119,764 $ 25,000
Adams, Pennsylvania 17 $ 2,368,000 $ 139,294 $ 56,000
Lexington, South Carolina 17 $ 2,667,000 $ 156,882 $ 68,000
Carroll, Georgia 16 $ 2,024,000 $ 126,500 $ 60,000
Queen Anne's, Maryland 16 $ 3,359,000 $ 209,937 $ 60,000
Worcester, Maryland 16 $ 2,558,000 $ 159,875 $ 106,000
Taos, New Mexico 16 $ 2,467,000 $ 154,187 $ 122,000
Summit, Utah 16 $ 5,531,000 $ 345,687 $ 162,000
Park, Colorado 15 $ 2,667,000 $ 177,800 $ 87,000
Talbot, Maryland 15 $ 2,846,000 $ 189,733 $ 73,000
Ravalli, Montana 15 $ 3,048,000 $ 203,200 $ 67,000
Skamania, Washington 15 $ 2,695,000 $ 179,666 $ 55,000
Colusa, California 14 $ 2,051,000 $ 146,500 $ 73,000
Hamilton, Indiana 14 $ 2,972,000 $ 212,285 $ 66,000
Madison, Indiana 14 $ 1,178,000 $ 84,142 $ 42,000
Noble, Indiana 14 $ 1,210,000 $ 86,428 $ 41,000
Fayette, Kentucky 14 $ 1,470,000 $ 105,000 $ 70,000
Madison, Kentucky 14 $ 1,905,000 $ 136,071 $ 34,000
Terrebonne, Louisiana 14 $ 2,206,000 $ 157,571 $ 64,000
Hampden, Massachusetts 14 $ 2,176,000 $ 155,428 $ 34,000
Jackson, Missouri 14 $ 1,766,000 $ 126,142 $ 29,000
Buncombe, North Carolina 14 $ 2,603,000 $ 185,928 $ 117,000
Klamath, Oregon 14 $ 2,050,000 $ 146,428 $ 80,000
Lubbock, Texas 14 $ 2,031,000 $ 145,071 $ 50,000
Tooele, Utah 14 $ 2,184,000 $ 156,000 $ 46,000
Shenandoah, Virginia 14 $ 2,012,000 $ 143,714 $ 39,000
Laramie, Wyoming 14 $ 1,512,000 $ 108,000 $ 35,000
Teton, Wyoming 14 $ 4,365,000 $ 311,785 $ 73,000
Jefferson, Alabama 13 $ 1,527,000 $ 117,461 $ 46,000
Hernando, Florida 13 $ 2,513,000 $ 193,307 $ 90,000
Catoosa, Georgia 13 $ 1,482,000 $ 114,000 $ 25,000
Washington, Maryland 13 $ 2,161,000 $ 166,230 $ 43,000
Plymouth, Massachusetts 13 $ 2,675,000 $ 205,769 $ 78,000
Anoka, Minnesota 13 $ 2,357,000 $ 181,307 $ 65,000
Canadian, Oklahoma 13 $ 1,789,000 $ 137,615 $ 64,000
McLennan, Texas 13 $ 1,283,000 $ 98,692 $ 50,000
Rockwall, Texas 13 $ 1,654,000 $ 127,230 $ 52,000
Williamson, Texas 13 $ 2,018,000 $ 155,230 $ 45,000
Kittitas, Washington 13 $ 2,029,000 $ 156,076 $ 93,000
Klickitat, Washington 13 $ 2,522,000 $ 194,000 $ 68,000
San Juan, Washington 13 $ 2,496,000 $ 192,000 $ 115,000
Kings, California 12 $ 2,024,000 $ 168,666 $ 93,000
Hall, Georgia 12 $ 1,803,000 $ 150,250 $ 31,000
Rockdale, Georgia 12 $ 1,565,000 $ 130,416 $ 27,000
Orleans, Louisiana 12 $ 1,840,000 $ 153,333 $ 56,000
Essex, Massachusetts 12 $ 3,166,000 $ 263,833 $ 82,000
Suffolk, Massachusetts 12 $ 3,621,000 $ 301,750 $ 64,000
Washington, Minnesota 12 $ 2,953,000 $ 246,083 $ 103,000
Hamilton, Ohio 12 $ 2,101,000 $ 175,083 $ 85,000
Crook, Oregon 12 $ 1,960,000 $ 163,333 $ 56,000
Lebanon, Pennsylvania 12 $ 1,843,000 $ 153,583 $ 97,000
Smith, Texas 12 $ 1,175,000 $ 97,916 $ 51,000
Rockingham, Virginia 12 $ 1,887,000 $ 157,250 $ 39,000
Grant, Washington 12 $ 1,792,000 $ 149,333 $ 53,000
Stevens, Washington 12 $ 1,519,000 $ 126,583 $ 33,000
Gila, Arizona 11 $ 1,231,000 $ 111,909 $ 39,000
Morgan, Colorado 11 $ 1,329,000 $ 120,818 $ 52,000
Escambia, Florida 11 $ 1,536,000 $ 139,636 $ 63,000
Osceola, Florida 11 $ 1,726,000 $ 156,909 $ 43,000
DeKalb, Indiana 11 $ 883,000 $ 80,272 $ 47,000
St. Mary's, Maryland 11 $ 2,407,000 $ 218,818 $ 84,000
Greenville, South Carolina 11 $ 2,269,000 $ 206,272 $ 70,000
Hampton, Virginia 11 $ 1,223,000 $ 111,181 $ 26,000
York, Virginia 11 $ 2,295,000 $ 208,636 $ 78,000
Sebastian, Arkansas 10 $ 1,138,000 $ 113,800 $ 65,000
Eagle, Colorado 10 $ 3,108,000 $ 310,800 $ 127,000
Elbert, Colorado 10 $ 2,382,000 $ 238,200 $ 31,000
St. Johns, Florida 10 $ 1,726,000 $ 172,600 $ 80,000
Barrow, Georgia 10 $ 1,124,000 $ 112,400 $ 29,000
Douglas, Georgia 10 $ 1,516,000 $ 151,600 $ 97,000
Jackson, Georgia 10 $ 1,789,000 $ 178,900 $ 57,000
Henry, Kentucky 10 $ 1,626,000 $ 162,600 $ 45,000
Norfolk, Massachusetts 10 $ 2,736,000 $ 273,600 $ 71,000
Oktibbeha, Mississippi 10 $ 1,564,000 $ 156,400 $ 46,000
Gallatin, Montana 10 $ 1,694,000 $ 169,400 $ 102,000
Dona Ana, New Mexico 10 $ 1,499,000 $ 149,900 $ 41,000
Los Alamos, New Mexico 10 $ 2,358,000 $ 235,800 $ 96,000
Cuyahoga, Ohio 10 $ 1,064,000 $ 106,400 $ 60,000
Jefferson, Oregon 10 $ 1,208,000 $ 120,800 $ 94,000
Wasco, Oregon 10 $ 780,000 $ 78,000 $ 48,000
Centre, Pennsylvania 10 $ 2,133,000 $ 213,300 $ 73,000
Franklin, Pennsylvania 10 $ 1,416,000 $ 141,600 $ 59,000
Abbeville, South Carolina 10 $ 2,035,000 $ 203,500 $ 5,000
Anderson, South Carolina 10 $ 1,147,000 $ 114,700 $ 43,000
Spartanburg, South Carolina 10 $ 1,493,000 $ 149,300 $ 66,000
Sevier, Tennessee 10 $ 1,511,000 $ 151,100 $ 90,000
Bell, Texas 10 $ 1,482,000 $ 148,200 $ 57,000
Clarke, Virginia 10 $ 1,876,000 $ 187,600 $ 86,000
Culpeper, Virginia 10 $ 2,814,000 $ 281,400 $ 47,000
Fairfax City, Virginia 10 $ 3,238,000 $ 323,800 $ 71,000
Fauquier, Virginia 10 $ 2,746,000 $ 274,600 $ 69,000
Warren, Virginia 10 $ 1,346,000 $ 134,600 $ 46,000
Clallam, Washington 10 $ 2,115,000 $ 211,500 $ 105,000
Jefferson, Washington 10 $ 1,802,000 $ 180,200 $ 53,000
Plumas, California 9 $ 2,469,000 $ 274,333 $ 64,000
Clear Creek, Colorado 9 $ 1,718,000 $ 190,888 $ 37,000
Garfield, Colorado 9 $ 2,055,000 $ 228,333 $ 233,000
Monroe, Florida 9 $ 2,843,000 $ 315,888 $ 88,000
Payette, Idaho 9 $ 784,000 $ 87,111 $ 15,000
DeKalb, Illinois 9 $ 1,388,000 $ 154,222 $ 76,000
Kendall, Illinois 9 $ 1,254,000 $ 139,333 $ 37,000
Allen, Indiana 9 $ 1,055,000 $ 117,222 $ 139,000
Cumberland, Maine 9 $ 1,382,000 $ 153,555 $ 55,000
Bristol, Massachusetts 9 $ 1,988,000 $ 220,888 $ 69,000
Livingston, Michigan 9 $ 1,699,000 $ 188,777 $ 75,000
Scott, Minnesota 9 $ 3,139,000 $ 348,777 $ 173,000
Lincoln, Montana 9 $ 752,000 $ 83,555 $ 24,000
Alamance, North Carolina 9 $ 1,083,000 $ 120,333 $ 60,000
Brunswick, North Carolina 9 $ 2,848,000 $ 316,444 $ 104,000
Carter, Oklahoma 9 $ 1,171,000 $ 130,111 $ 172,000
Beaver, Pennsylvania 9 $ 1,150,000 $ 127,777 $ 48,000
Erie, Pennsylvania 9 $ 986,000 $ 109,555 $ 29,000
Luzerne, Pennsylvania 9 $ 1,807,000 $ 200,777 $ 74,000
Blount, Tennessee 9 $ 1,454,000 $ 161,555 $ 60,000
Brazoria, Texas 9 $ 1,130,000 $ 125,555 $ 64,000
Hood, Texas 9 $ 982,000 $ 109,111 $ 62,000
Hanover, Virginia 9 $ 1,623,000 $ 180,333 $ 45,000
Newport News, Virginia 9 $ 865,000 $ 96,111 $ 26,000
Las Animas, Colorado 8 $ 1,512,000 $ 189,000 $ 46,000
Charlotte, Florida 8 $ 1,773,000 $ 221,625 $ 88,000
Marion, Florida 8 $ 1,251,000 $ 156,375 $ 66,000
Chatham, Georgia 8 $ 1,578,000 $ 197,250 $ 49,000
Bonneville, Idaho 8 $ 1,644,000 $ 205,500 $ 27,000
Scott, Kentucky 8 $ 905,000 $ 113,125 $ 32,000
Allegany, Maryland 8 $ 804,000 $ 100,500 $ 45,000
Wicomico, Maryland 8 $ 1,345,000 $ 168,125 $ 79,000
Harrison, Mississippi 8 $ 1,568,000 $ 196,000 $ 34,000
Cass, Nebraska 8 $ 837,000 $ 104,625 $ 32,000
Beaufort, South Carolina 8 $ 2,014,000 $ 251,750 $ 108,000
Sumter, South Carolina 8 $ 898,000 $ 112,250 $ 28,000
Comal, Texas 8 $ 1,503,000 $ 187,875 $ 42,000
Nueces, Texas 8 $ 1,130,000 $ 141,250 $ 41,000
Sanpete, Utah 8 $ 1,024,000 $ 128,000 $ 21,000
Norfolk, Virginia 8 $ 1,421,000 $ 177,625 $ 22,000
Suffolk, Virginia 8 $ 1,127,000 $ 140,875 $ 50,000
Pacific, Washington 8 $ 1,322,000 $ 165,250 $ 101,000
Milwaukee, Wisconsin 8 $ 958,000 $ 119,750 $ 38,000
Santa Cruz, Arizona 7 $ 971,000 $ 138,714 $ 30,000
Alpine, California 7 $ 1,528,000 $ 218,285 $ 63,000
Bay, Florida 7 $ 1,309,000 $ 187,000 $ 71,000
Highlands, Florida 7 $ 639,000 $ 91,285 $ 49,000
Coweta, Georgia 7 $ 993,000 $ 141,857 $ 103,000
Boone, Illinois 7 $ 935,000 $ 133,571 $ 61,000
Elkhart, Indiana 7 $ 770,000 $ 110,000 $ 37,000
Pottawattamie, Iowa 7 $ 839,000 $ 119,857 $ 45,000
Bullitt, Kentucky 7 $ 1,076,000 $ 153,714 $ 56,000
Franklin, Kentucky 7 $ 1,537,000 $ 219,571 $ 67,000
Hardin, Kentucky 7 $ 1,129,000 $ 161,285 $ 124,000
Lafourche, Louisiana 7 $ 589,000 $ 84,142 $ 39,000
Vernon, Louisiana 7 $ 625,000 $ 89,285 $ 30,000
Barnstable, Massachusetts 7 $ 1,686,000 $ 240,857 $ 46,000
Boone, Missouri 7 $ 1,061,000 $ 151,571 $ 362,000
Elko, Nevada 7 $ 926,000 $ 132,285 $ 56,000
Cumberland, New Jersey 7 $ 830,000 $ 118,571 $ 46,000
Salem, New Jersey 7 $ 1,071,000 $ 153,000 $ 91,000
Colfax, New Mexico 7 $ 633,000 $ 90,428 $ 155,000
New Hanover, North Carolina 7 $ 2,290,000 $ 327,142 $ 93,000
Garfield, Oklahoma 7 $ 627,000 $ 89,571 $ 67,000
Blair, Pennsylvania 7 $ 1,064,000 $ 152,000 $ 57,000
Providence, Rhode Island 7 $ 1,152,000 $ 164,571 $ 58,000
Darlington, South Carolina 7 $ 979,000 $ 139,857 $ 44,000
Grayson, Texas 7 $ 1,343,000 $ 191,857 $ 134,000
Hunt, Texas 7 $ 826,000 $ 118,000 $ 44,000
Webb, Texas 7 $ 1,148,000 $ 164,000 $ 67,000
Wasatch, Utah 7 $ 1,564,000 $ 223,428 $ 64,000
James City, Virginia 7 $ 1,814,000 $ 259,142 $ 69,000
Richmond City, Virginia 7 $ 994,000 $ 142,000 $ 45,000
Winchester, Virginia 7 $ 1,497,000 $ 213,857 $ 57,000
Adams, Washington 7 $ 1,047,000 $ 149,571 $ 19,000
Shelby, Alabama 6 $ 1,471,000 $ 245,166 $ 53,000
Apache, Arizona 6 $ 595,000 $ 99,166 $ 81,000
Mariposa, California 6 $ 1,445,000 $ 240,833 $ 87,000
Trinity, California 6 $ 1,395,000 $ 232,500 $ 24,000
Windham, Connecticut 6 $ 896,000 $ 149,333 $ 32,000
Alachua, Florida 6 $ 754,000 $ 125,666 $ 72,000
Clay, Florida 6 $ 964,000 $ 160,666 $ 72,000
Santa Rosa, Florida 6 $ 1,291,000 $ 215,166 $ 85,000
Columbia, Georgia 6 $ 899,000 $ 149,833 $ 12,000
Floyd, Georgia 6 $ 633,000 $ 105,500 $ 30,000
Pickens, Georgia 6 $ 1,189,000 $ 198,166 $ 55,000
Johnson, Kansas 6 $ 1,697,000 $ 282,833 $ 63,000
Sedgwick, Kansas 6 $ 562,000 $ 93,666 $ 19,000
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Mortgage Loan Application Detail Totals for Loancity 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
Refinancing 37,032 $8,608,988,000 $184,854 $2,100,000 $65,916 $9,466,000
Home Purchase 20,660 $4,257,522,000 $176,250 $1,720,000 $59,937 $9,226,000
Home Improvement 503 $123,578,000 $205,600 $659,000 $80,200 $506,000

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 31,896 $6,777,415,000 $181,229 $2,100,000 $77,979 $8,041,000
Not Provided 15,197 $3,539,687,000 $176,061 $1,750,000 $43,224 $2,667,000
Asian 4,687 $1,435,951,000 $197,000 $1,720,000 $77,352 $1,816,000
Hispanic 4,231 $817,589,000 $151,578 $1,450,000 $55,131 $9,466,000
Black or African American 1,683 $294,085,000 $155,400 $980,000 $59,057 $7,399,000
Native Hawaiian or Other Pacific Islander 292 $69,435,000 $171,388 $795,000 $60,055 $6,633,000
American Indian or Alaskan Native 127 $28,972,000 $195,750 $891,000 $66,100 $491,000
Not applicable 82 $26,954,000 $229,200 $900,000 $112,600 $382,000

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) 53,546 $12,332,690,000 $185,920 $2,100,000 $70,120 $9,466,000
FHA-insured (Federal Housing Administration) 3,570 $499,276,000 $129,567 $454,000 $30,081 $493,000
VA-guaranteed (Veterans Administration) 1,079 $158,122,000 $141,705 $281,000 $29,735 $1,200,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 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 36,074 $8,048,033,000 $169,760 $1,945,000 $80,086 $5,403,000
Application Withdrawn By Applicant 9,758 $2,116,139,000 $177,936 $2,100,000 $13,106 $9,466,000
Application Approved But Not Accepted 6,430 $1,583,019,000 $183,000 $1,720,000 $76,159 $2,400,000
Application Denied By Financial Institution 4,209 $866,166,000 $178,976 $1,750,000 $74,325 $2,040,000
File Closed For Incompleteness 1,723 $376,627,000 $186,813 $1,000,000 $64,093 $5,400,000
Preapproval Denied by Financial Institution 1 $104,000 $104,000 $104,000 $49,000 $49,000
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 1,359 $252,527,000 $139,972 $960,000 $61,648 $500,000
Debt-To-Income Ratio 925 $196,392,000 $162,088 $1,365,000 $58,588 $2,040,000
Other 721 $149,525,000 $178,947 $975,000 $80,736 $600,000
Collateral 511 $111,153,000 $198,342 $1,500,000 $92,105 $489,000
Credit Application Incomplete 343 $77,160,000 $247,058 $1,250,000 $79,823 $600,000
Unverifiable Information 158 $34,500,000 $184,640 $1,750,000 $67,440 $386,000
Employment History 139 $31,205,000 $196,041 $895,000 $87,000 $600,000
Insufficient Cash (Downpayment, Closing Cost) 52 $13,378,000 $234,400 $1,191,000 $87,266 $413,000
Mortgage Insurance Denied 1 $180,000 $180,000 $180,000 $72,000 $72,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Loancity'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 Loancity'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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