Loancity Mortgage Lending & HMDA Data, 2005

In 2005, Loancity of San Jose, CA reported 44,877 mortgage applications totaling $10.2 billion, down 23% from 2004. The average application was for $226,959, and applicants reported an average income of $78,102. 64% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Sacramento--Arden-Arcade--Roseville, CA (2,763), Portland-Vancouver-Beaverton, OR-WA (2,670) and Phoenix-Mesa-Scottsdale, AZ (2,484) (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 44,877
Total Mortgage Loan Application Amount $10,185,261,000
Average Mortgage Loan Application Amount $226,959
Highest Mortgage Loan Application Amount $2,240,000
Average Applicant Income $78,102
Highest Applicant Income $4,656,000

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Disclosure Act (HMDA) records Loancity filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2005

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Maricopa, Arizona 2,382 $ 484,473,000 $ 203,389 $ 69,000
Sacramento, California 1,753 $ 447,032,000 $ 255,009 $ 93,000
Los Angeles, California 1,292 $ 400,406,000 $ 309,911 $ 90,000
Multnomah, Oregon 1,033 $ 197,062,000 $ 190,766 $ 62,000
King, Washington 918 $ 224,338,000 $ 244,376 $ 87,000
Santa Clara, California 867 $ 355,372,000 $ 409,886 $ 131,000
Orange, California 835 $ 307,492,000 $ 368,253 $ 123,000
Washington, Oregon 814 $ 165,245,000 $ 203,003 $ 65,000
Lane, Oregon 735 $ 124,462,000 $ 169,336 $ 58,000
Contra Costa, California 731 $ 276,344,000 $ 378,035 $ 116,000
Clark, Nevada 726 $ 149,558,000 $ 206,002 $ 73,000
Alameda, California 719 $ 263,095,000 $ 365,917 $ 107,000
Clackamas, Oregon 671 $ 152,678,000 $ 227,538 $ 72,000
San Diego, California 663 $ 223,300,000 $ 336,802 $ 104,000
Riverside, California 651 $ 174,120,000 $ 267,465 $ 96,000
Placer, California 642 $ 208,428,000 $ 324,654 $ 107,000
Clark, Washington 573 $ 109,273,000 $ 190,703 $ 67,000
San Joaquin, California 558 $ 151,839,000 $ 272,112 $ 103,000
Salt Lake, Utah 474 $ 80,155,000 $ 169,103 $ 49,000
Marion, Oregon 472 $ 72,655,000 $ 153,930 $ 57,000
San Bernardino, California 457 $ 107,993,000 $ 236,308 $ 83,000
Pierce, Washington 456 $ 87,449,000 $ 191,774 $ 75,000
Hennepin, Minnesota 454 $ 107,955,000 $ 237,786 $ 100,000
Hillsborough, Florida 422 $ 80,554,000 $ 190,886 $ 77,000
Stanislaus, California 378 $ 92,407,000 $ 244,462 $ 90,000
Snohomish, Washington 351 $ 76,347,000 $ 217,512 $ 84,000
Solano, California 349 $ 104,013,000 $ 298,031 $ 89,000
Pinellas, Florida 312 $ 52,983,000 $ 169,817 $ 70,000
Montgomery, Maryland 310 $ 90,505,000 $ 291,951 $ 101,000
Miami-Dade, Florida 302 $ 60,823,000 $ 201,400 $ 133,000
Fairfax, Virginia 284 $ 88,465,000 $ 311,496 $ 114,000
Washoe, Nevada 272 $ 68,362,000 $ 251,330 $ 83,000
Utah, Utah 270 $ 48,143,000 $ 178,307 $ 54,000
Broward, Florida 268 $ 56,806,000 $ 211,962 $ 84,000
Ocean, New Jersey 259 $ 59,378,000 $ 229,258 $ 71,000
Monmouth, New Jersey 255 $ 65,835,000 $ 258,176 $ 89,000
Arapahoe, Colorado 245 $ 46,127,000 $ 188,273 $ 63,000
El Dorado, California 242 $ 73,605,000 $ 304,152 $ 104,000
Fresno, California 237 $ 50,033,000 $ 211,109 $ 86,000
Pima, Arizona 234 $ 38,640,000 $ 165,128 $ 70,000
Baltimore, Maryland 228 $ 46,181,000 $ 202,548 $ 68,000
Kern, California 223 $ 42,566,000 $ 190,878 $ 82,000
Ada, Idaho 220 $ 32,121,000 $ 146,004 $ 65,000
Anne Arundel, Maryland 218 $ 53,885,000 $ 247,178 $ 68,000
Palm Beach, Florida 212 $ 50,169,000 $ 236,646 $ 145,000
Prince George's, Maryland 211 $ 50,552,000 $ 239,582 $ 68,000
Sonoma, California 210 $ 67,282,000 $ 320,390 $ 98,000
Jackson, Oregon 209 $ 42,469,000 $ 203,200 $ 71,000
Denver, Colorado 208 $ 41,742,000 $ 200,682 $ 71,000
Calcasieu, Louisiana 208 $ 26,388,000 $ 126,865 $ 81,000
Tarrant, Texas 207 $ 25,935,000 $ 125,289 $ 51,000
Camden, New Jersey 203 $ 32,741,000 $ 161,285 $ 62,000
Deschutes, Oregon 198 $ 41,563,000 $ 209,914 $ 77,000
Middlesex, New Jersey 192 $ 45,918,000 $ 239,156 $ 78,000
Jefferson, Colorado 191 $ 37,677,000 $ 197,261 $ 59,000
Spokane, Washington 188 $ 25,520,000 $ 135,744 $ 47,000
Kootenai, Idaho 174 $ 30,063,000 $ 172,775 $ 72,000
Bucks, Pennsylvania 169 $ 39,052,000 $ 231,076 $ 96,000
Ramsey, Minnesota 167 $ 27,154,000 $ 162,598 $ 58,000
Anoka, Minnesota 165 $ 33,857,000 $ 205,193 $ 78,000
Chester, Pennsylvania 157 $ 34,810,000 $ 221,719 $ 84,000
Montgomery, Pennsylvania 156 $ 33,951,000 $ 217,634 $ 95,000
Bergen, New Jersey 155 $ 45,043,000 $ 290,600 $ 79,000
Philadelphia, Pennsylvania 154 $ 24,825,000 $ 161,201 $ 71,000
East Baton Rouge, Louisiana 151 $ 19,164,000 $ 126,913 $ 61,000
Adams, Colorado 146 $ 26,007,000 $ 178,130 $ 60,000
San Mateo, California 142 $ 66,190,000 $ 466,126 $ 130,000
Mecklenburg, North Carolina 142 $ 30,753,000 $ 216,570 $ 87,000
Allegheny, Pennsylvania 141 $ 21,067,000 $ 149,411 $ 88,000
Cook, Illinois 140 $ 29,760,000 $ 212,571 $ 66,000
Ventura, California 139 $ 51,095,000 $ 367,589 $ 127,000
Virginia Beach, Virginia 139 $ 27,606,000 $ 198,604 $ 75,000
Lee, Florida 138 $ 27,208,000 $ 197,159 $ 82,000
Dakota, Minnesota 135 $ 26,678,000 $ 197,614 $ 75,000
Douglas, Colorado 132 $ 30,218,000 $ 228,924 $ 87,000
Wake, North Carolina 132 $ 25,356,000 $ 192,090 $ 61,000
Polk, Oregon 131 $ 21,569,000 $ 164,648 $ 58,000
Shasta, California 128 $ 24,114,000 $ 188,390 $ 60,000
Yolo, California 126 $ 34,293,000 $ 272,166 $ 85,000
Howard, Maryland 125 $ 36,303,000 $ 290,424 $ 97,000
Douglas, Nevada 125 $ 36,595,000 $ 292,760 $ 103,000
Orange, Florida 123 $ 24,368,000 $ 198,113 $ 78,000
Cowlitz, Washington 119 $ 17,737,000 $ 149,050 $ 54,000
Pasco, Florida 118 $ 20,723,000 $ 175,618 $ 59,000
Sutter, California 117 $ 25,287,000 $ 216,128 $ 71,000
Burlington, New Jersey 116 $ 23,308,000 $ 200,931 $ 69,000
Nevada, California 115 $ 33,472,000 $ 291,060 $ 110,000
Mohave, Arizona 114 $ 18,251,000 $ 160,096 $ 65,000
Gloucester, New Jersey 114 $ 20,539,000 $ 180,166 $ 67,000
Gwinnett, Georgia 113 $ 19,540,000 $ 172,920 $ 57,000
Monterey, California 111 $ 38,660,000 $ 348,288 $ 113,000
San Francisco, California 109 $ 51,220,000 $ 469,908 $ 119,000
Merced, California 108 $ 24,216,000 $ 224,222 $ 85,000
Tulare, California 103 $ 18,282,000 $ 177,495 $ 78,000
Pinal, Arizona 102 $ 17,754,000 $ 174,058 $ 66,000
Coos, Oregon 101 $ 14,974,000 $ 148,257 $ 58,000
Mobile, Alabama 99 $ 10,870,000 $ 109,797 $ 68,000
Morris, New Jersey 99 $ 27,158,000 $ 274,323 $ 115,000
Bernalillo, New Mexico 99 $ 18,523,000 $ 187,101 $ 96,000
Dallas, Texas 99 $ 15,267,000 $ 154,212 $ 83,000
Harford, Maryland 98 $ 23,237,000 $ 237,112 $ 75,000
Essex, New Jersey 98 $ 24,932,000 $ 254,408 $ 73,000
Thurston, Washington 98 $ 19,904,000 $ 203,102 $ 60,000
Passaic, New Jersey 97 $ 24,948,000 $ 257,195 $ 78,000
Yamhill, Oregon 96 $ 18,356,000 $ 191,208 $ 61,000
San Luis Obispo, California 95 $ 31,080,000 $ 327,157 $ 112,000
Frederick, Virginia 95 $ 19,365,000 $ 203,842 $ 52,000
Yuba, California 90 $ 17,817,000 $ 197,966 $ 68,000
Bossier, Louisiana 88 $ 11,167,000 $ 126,897 $ 42,000
Loudoun, Virginia 88 $ 28,676,000 $ 325,863 $ 92,000
Manatee, Florida 87 $ 16,975,000 $ 195,114 $ 65,000
Caddo, Louisiana 86 $ 10,820,000 $ 125,813 $ 56,000
Davis, Utah 86 $ 14,895,000 $ 173,197 $ 55,000
Fulton, Georgia 82 $ 18,953,000 $ 231,134 $ 93,000
Calvert, Maryland 82 $ 17,442,000 $ 212,707 $ 73,000
Marin, California 81 $ 36,266,000 $ 447,728 $ 173,000
Whatcom, Washington 81 $ 17,063,000 $ 210,654 $ 59,000
Frederick, Maryland 80 $ 19,940,000 $ 249,250 $ 74,000
Washington, Minnesota 80 $ 16,850,000 $ 210,625 $ 76,000
New Hanover, North Carolina 80 $ 14,888,000 $ 186,100 $ 87,000
Linn, Oregon 80 $ 11,391,000 $ 142,387 $ 53,000
Wright, Minnesota 79 $ 15,730,000 $ 199,113 $ 64,000
Atlantic, New Jersey 78 $ 15,877,000 $ 203,551 $ 89,000
Benton, Oregon 78 $ 14,923,000 $ 191,320 $ 68,000
Baltimore City, Maryland 76 $ 12,191,000 $ 160,407 $ 79,000
Harris, Texas 76 $ 12,465,000 $ 164,013 $ 73,000
Canyon, Idaho 75 $ 7,871,000 $ 104,946 $ 48,000
Chesterfield, Virginia 74 $ 12,690,000 $ 171,486 $ 56,000
York, Pennsylvania 73 $ 11,651,000 $ 159,602 $ 57,000
Cherokee, Georgia 69 $ 12,929,000 $ 187,376 $ 90,000
Scott, Minnesota 69 $ 17,289,000 $ 250,565 $ 88,000
Butte, California 68 $ 14,296,000 $ 210,235 $ 67,000
Polk, Florida 68 $ 9,669,000 $ 142,191 $ 84,000
Carroll, Maryland 68 $ 13,943,000 $ 205,044 $ 60,000
Union, New Jersey 68 $ 18,225,000 $ 268,014 $ 94,000
Brevard, Florida 67 $ 10,734,000 $ 160,208 $ 58,000
Sarasota, Florida 67 $ 14,475,000 $ 216,044 $ 101,000
Cobb, Georgia 67 $ 11,869,000 $ 177,149 $ 52,000
Delaware, Pennsylvania 67 $ 13,044,000 $ 194,686 $ 92,000
Kitsap, Washington 67 $ 13,394,000 $ 199,910 $ 81,000
Denton, Texas 66 $ 11,080,000 $ 167,878 $ 69,000
Guilford, North Carolina 65 $ 11,337,000 $ 174,415 $ 62,000
Prince William, Virginia 64 $ 18,802,000 $ 293,781 $ 89,000
Benton, Washington 64 $ 8,175,000 $ 127,734 $ 57,000
Oklahoma, Oklahoma 63 $ 8,001,000 $ 127,000 $ 55,000
Chesapeake, Virginia 63 $ 13,100,000 $ 207,936 $ 67,000
Duval, Florida 61 $ 10,667,000 $ 174,868 $ 69,000
District of Columbia, District Of Columbia 60 $ 15,016,000 $ 250,266 $ 94,000
Somerset, New Jersey 60 $ 15,170,000 $ 252,833 $ 103,000
Volusia, Florida 59 $ 11,739,000 $ 198,966 $ 77,000
Collin, Texas 59 $ 9,915,000 $ 168,050 $ 86,000
St. Louis, Minnesota 58 $ 7,133,000 $ 122,982 $ 49,000
Spotsylvania, Virginia 58 $ 11,858,000 $ 204,448 $ 62,000
Napa, California 57 $ 18,831,000 $ 330,368 $ 99,000
DeKalb, Georgia 57 $ 9,513,000 $ 166,894 $ 77,000
Lancaster, Pennsylvania 57 $ 8,617,000 $ 151,175 $ 50,000
Santa Fe, New Mexico 56 $ 14,926,000 $ 266,535 $ 110,000
Columbia, Oregon 56 $ 9,686,000 $ 172,964 $ 56,000
Washington, Utah 56 $ 9,855,000 $ 175,982 $ 77,000
Santa Cruz, California 55 $ 24,005,000 $ 436,454 $ 111,000
Mercer, New Jersey 55 $ 11,878,000 $ 215,963 $ 91,000
Carson City, Nevada 53 $ 11,037,000 $ 208,245 $ 70,000
Henrico, Virginia 53 $ 8,164,000 $ 154,037 $ 69,000
Douglas, Nebraska 52 $ 6,671,000 $ 128,288 $ 40,000
Ascension, Louisiana 51 $ 7,561,000 $ 148,254 $ 53,000
Sherburne, Minnesota 51 $ 9,153,000 $ 179,470 $ 83,000
Bonner, Idaho 49 $ 9,454,000 $ 192,938 $ 58,000
Hood River, Oregon 49 $ 8,977,000 $ 183,204 $ 61,000
Charleston, South Carolina 49 $ 10,355,000 $ 211,326 $ 81,000
Mason, Washington 49 $ 7,692,000 $ 156,979 $ 74,000
Calaveras, California 48 $ 12,336,000 $ 257,000 $ 74,000
Boulder, Colorado 48 $ 12,915,000 $ 269,062 $ 67,000
El Paso, Colorado 48 $ 8,303,000 $ 172,979 $ 64,000
Hamilton, Tennessee 48 $ 6,181,000 $ 128,770 $ 65,000
Yavapai, Arizona 47 $ 8,890,000 $ 189,148 $ 54,000
Larimer, Colorado 47 $ 8,975,000 $ 190,957 $ 74,000
St. Tammany, Louisiana 47 $ 8,066,000 $ 171,617 $ 58,000
Norfolk, Virginia 47 $ 6,878,000 $ 146,340 $ 58,000
Cape May, New Jersey 46 $ 11,186,000 $ 243,173 $ 166,000
Coconino, Arizona 44 $ 7,873,000 $ 178,931 $ 71,000
Skagit, Washington 44 $ 7,392,000 $ 168,000 $ 70,000
Lafayette, Louisiana 43 $ 6,093,000 $ 141,697 $ 58,000
Union, North Carolina 43 $ 7,855,000 $ 182,674 $ 92,000
Charles, Maryland 42 $ 10,365,000 $ 246,785 $ 59,000
Lyon, Nevada 42 $ 7,964,000 $ 189,619 $ 77,000
Madison, Kentucky 41 $ 5,275,000 $ 128,658 $ 49,000
Jefferson, Kentucky 40 $ 5,543,000 $ 138,575 $ 59,000
Carver, Minnesota 40 $ 8,056,000 $ 201,400 $ 78,000
Hudson, New Jersey 40 $ 10,658,000 $ 266,450 $ 79,000
Amador, California 39 $ 9,602,000 $ 246,205 $ 84,000
Richland, South Carolina 39 $ 7,697,000 $ 197,358 $ 88,000
Humboldt, California 38 $ 7,653,000 $ 201,394 $ 75,000
Charlotte, Florida 38 $ 7,332,000 $ 192,947 $ 67,000
Gaston, North Carolina 38 $ 6,074,000 $ 159,842 $ 57,000
Tulsa, Oklahoma 38 $ 4,249,000 $ 111,815 $ 61,000
Berks, Pennsylvania 38 $ 6,149,000 $ 161,815 $ 59,000
Knox, Tennessee 38 $ 5,165,000 $ 135,921 $ 54,000
Santa Barbara, California 37 $ 13,442,000 $ 363,297 $ 131,000
Seminole, Florida 37 $ 7,012,000 $ 189,513 $ 88,000
Westmoreland, Pennsylvania 37 $ 5,153,000 $ 139,270 $ 68,000
Madera, California 36 $ 7,734,000 $ 214,833 $ 84,000
Hunterdon, New Jersey 36 $ 10,886,000 $ 302,388 $ 114,000
Sandoval, New Mexico 36 $ 6,420,000 $ 178,333 $ 117,000
Forsyth, North Carolina 36 $ 5,099,000 $ 141,638 $ 80,000
Josephine, Oregon 36 $ 5,988,000 $ 166,333 $ 66,000
DuPage, Illinois 35 $ 8,173,000 $ 233,514 $ 88,000
Anderson, South Carolina 35 $ 5,725,000 $ 163,571 $ 59,000
Greenville, South Carolina 35 $ 5,643,000 $ 161,228 $ 80,000
Washington, Maryland 34 $ 6,658,000 $ 195,823 $ 54,000
St. Charles, Missouri 34 $ 5,984,000 $ 176,000 $ 91,000
Cache, Utah 34 $ 4,910,000 $ 144,411 $ 53,000
Newport News, Virginia 34 $ 5,572,000 $ 163,882 $ 53,000
Douglas, Oregon 33 $ 5,007,000 $ 151,727 $ 59,000
Tuolumne, California 32 $ 7,573,000 $ 236,656 $ 90,000
Hartford, Connecticut 32 $ 5,804,000 $ 181,375 $ 80,000
St. Lucie, Florida 32 $ 5,322,000 $ 166,312 $ 72,000
St. Louis, Missouri 32 $ 5,746,000 $ 179,562 $ 74,000
Dauphin, Pennsylvania 32 $ 5,040,000 $ 157,500 $ 96,000
Beaufort, South Carolina 32 $ 7,770,000 $ 242,812 $ 78,000
Hanover, Virginia 32 $ 6,064,000 $ 189,500 $ 67,000
St. Mary's, Maryland 31 $ 6,908,000 $ 222,838 $ 72,000
Sussex, New Jersey 31 $ 6,601,000 $ 212,935 $ 79,000
Northampton, Pennsylvania 31 $ 5,055,000 $ 163,064 $ 61,000
Navajo, Arizona 30 $ 4,168,000 $ 138,933 $ 71,000
Forsyth, Georgia 30 $ 8,111,000 $ 270,366 $ 104,000
Blaine, Idaho 30 $ 8,725,000 $ 290,833 $ 106,000
Lake, Indiana 30 $ 4,830,000 $ 161,000 $ 56,000
Jefferson, Louisiana 30 $ 4,767,000 $ 158,900 $ 69,000
Alamance, North Carolina 30 $ 3,927,000 $ 130,900 $ 58,000
Durham, North Carolina 30 $ 4,540,000 $ 151,333 $ 60,000
Lincoln, Oregon 30 $ 6,084,000 $ 202,800 $ 101,000
Lexington, South Carolina 30 $ 5,039,000 $ 167,966 $ 64,000
Jefferson, Texas 30 $ 2,558,000 $ 85,266 $ 49,000
New Castle, Delaware 29 $ 5,281,000 $ 182,103 $ 69,000
Pennington, Minnesota 29 $ 2,417,000 $ 83,344 $ 29,000
Cumberland, North Carolina 29 $ 4,262,000 $ 146,965 $ 52,000
Cleveland, Oklahoma 29 $ 3,685,000 $ 127,068 $ 50,000
Cumberland, Pennsylvania 29 $ 4,327,000 $ 149,206 $ 80,000
Washington, Pennsylvania 29 $ 5,308,000 $ 183,034 $ 70,000
Richmond City, Virginia 29 $ 3,849,000 $ 132,724 $ 71,000
Stafford, Virginia 29 $ 7,157,000 $ 246,793 $ 72,000
Berkeley, West Virginia 29 $ 4,021,000 $ 138,655 $ 46,000
Mendocino, California 28 $ 6,981,000 $ 249,321 $ 60,000
Moore, North Carolina 28 $ 4,632,000 $ 165,428 $ 85,000
Lake, Florida 27 $ 4,380,000 $ 162,222 $ 80,000
Tillamook, Oregon 27 $ 4,589,000 $ 169,962 $ 84,000
Lake, California 26 $ 6,185,000 $ 237,884 $ 90,000
Collier, Florida 26 $ 6,491,000 $ 249,653 $ 71,000
Osceola, Florida 26 $ 5,495,000 $ 211,346 $ 104,000
Colusa, California 25 $ 3,776,000 $ 151,040 $ 86,000
Orange, North Carolina 25 $ 5,070,000 $ 202,800 $ 77,000
Luzerne, Pennsylvania 25 $ 3,057,000 $ 122,280 $ 59,000
Horry, South Carolina 25 $ 4,624,000 $ 184,960 $ 83,000
Chelan, Washington 25 $ 3,344,000 $ 133,760 $ 40,000
Cecil, Maryland 24 $ 4,643,000 $ 193,458 $ 65,000
Worcester, Maryland 24 $ 5,576,000 $ 232,333 $ 81,000
Wayne, Michigan 24 $ 4,353,000 $ 181,375 $ 69,000
Beaverhead, Montana 24 $ 2,834,000 $ 118,083 $ 53,000
Portsmouth, Virginia 24 $ 3,611,000 $ 150,458 $ 63,000
Weld, Colorado 23 $ 4,134,000 $ 179,739 $ 56,000
Hernando, Florida 23 $ 3,277,000 $ 142,478 $ 56,000
Oakland, Michigan 23 $ 5,987,000 $ 260,304 $ 130,000
Erie, Pennsylvania 23 $ 2,463,000 $ 107,086 $ 54,000
Lehigh, Pennsylvania 23 $ 4,451,000 $ 193,521 $ 161,000
Spartanburg, South Carolina 23 $ 3,628,000 $ 157,739 $ 67,000
Warren, Virginia 23 $ 4,438,000 $ 192,956 $ 44,000
Gila, Arizona 22 $ 4,471,000 $ 203,227 $ 78,000
Plumas, California 22 $ 5,030,000 $ 228,636 $ 175,000
Tehama, California 22 $ 3,451,000 $ 156,863 $ 61,000
Livingston, Louisiana 22 $ 3,214,000 $ 146,090 $ 45,000
Berkeley, South Carolina 22 $ 3,462,000 $ 157,363 $ 72,000
Florence, South Carolina 22 $ 3,069,000 $ 139,500 $ 57,000
Broomfield, Colorado 21 $ 6,439,000 $ 306,619 $ 153,000
Fairfield, Connecticut 21 $ 5,286,000 $ 251,714 $ 81,000
Sussex, Delaware 21 $ 5,265,000 $ 250,714 $ 92,000
Chisago, Minnesota 21 $ 5,945,000 $ 283,095 $ 94,000
Flathead, Montana 21 $ 2,676,000 $ 127,428 $ 39,000
Sarpy, Nebraska 21 $ 3,733,000 $ 177,761 $ 71,000
Pitt, North Carolina 21 $ 2,277,000 $ 108,428 $ 43,000
Umatilla, Oregon 21 $ 2,218,000 $ 105,619 $ 85,000
Suffolk, Virginia 21 $ 3,795,000 $ 180,714 $ 69,000
Jefferson, Alabama 20 $ 3,465,000 $ 173,250 $ 88,000
Kings, California 20 $ 3,154,000 $ 157,700 $ 60,000
Orleans, Louisiana 20 $ 3,056,000 $ 152,800 $ 65,000
Arlington, Virginia 20 $ 5,084,000 $ 254,200 $ 60,000
Clayton, Georgia 19 $ 2,591,000 $ 136,368 $ 36,000
Paulding, Georgia 19 $ 3,172,000 $ 166,947 $ 60,000
Queen Anne's, Maryland 19 $ 4,764,000 $ 250,736 $ 80,000
Cumberland, New Jersey 19 $ 3,127,000 $ 164,578 $ 55,000
Salem, New Jersey 19 $ 3,144,000 $ 165,473 $ 98,000
Taos, New Mexico 19 $ 4,101,000 $ 215,842 $ 92,000
Buncombe, North Carolina 19 $ 3,130,000 $ 164,736 $ 55,000
Monroe, Pennsylvania 19 $ 4,023,000 $ 211,736 $ 74,000
Williamson, Tennessee 19 $ 4,176,000 $ 219,789 $ 68,000
Winchester, Virginia 19 $ 4,410,000 $ 232,105 $ 114,000
Franklin, Washington 19 $ 2,272,000 $ 119,578 $ 55,000
Weber, Utah 18 $ 3,436,000 $ 190,888 $ 74,000
Island, Washington 18 $ 3,739,000 $ 207,722 $ 77,000
New Haven, Connecticut 17 $ 3,224,000 $ 189,647 $ 66,000
Bartow, Georgia 17 $ 2,819,000 $ 165,823 $ 55,000
Teton, Idaho 17 $ 2,995,000 $ 176,176 $ 86,000
Hamilton, Indiana 17 $ 3,263,000 $ 191,941 $ 68,000
Porter, Indiana 17 $ 2,707,000 $ 159,235 $ 66,000
Talbot, Maryland 17 $ 3,920,000 $ 230,588 $ 96,000
Middlesex, Massachusetts 17 $ 4,981,000 $ 293,000 $ 100,000
Stearns, Minnesota 17 $ 2,127,000 $ 125,117 $ 37,000
Churchill, Nevada 17 $ 2,119,000 $ 124,647 $ 84,000
Brunswick, North Carolina 17 $ 3,541,000 $ 208,294 $ 97,000
Pender, North Carolina 17 $ 3,922,000 $ 230,705 $ 89,000
Pike, Pennsylvania 17 $ 3,189,000 $ 187,588 $ 71,000
Sevier, Tennessee 17 $ 2,048,000 $ 120,470 $ 65,000
Johnson, Texas 17 $ 1,999,000 $ 117,588 $ 53,000
Travis, Texas 17 $ 4,951,000 $ 291,235 $ 107,000
Santa Cruz, Arizona 16 $ 2,055,000 $ 128,437 $ 58,000
Siskiyou, California 16 $ 3,638,000 $ 227,375 $ 101,000
Appling, Georgia 16 $ 2,922,000 $ 182,625 $ 0
Chatham, North Carolina 16 $ 2,801,000 $ 175,062 $ 75,000
Pickens, South Carolina 16 $ 1,911,000 $ 119,437 $ 58,000
Tooele, Utah 16 $ 1,903,000 $ 118,937 $ 56,000
Wasatch, Utah 16 $ 3,926,000 $ 245,375 $ 80,000
Alexandria, Virginia 16 $ 5,270,000 $ 329,375 $ 82,000
Appomattox, Virginia 16 $ 2,914,000 $ 182,125 $ 39,000
Lewis, Washington 16 $ 2,462,000 $ 153,875 $ 49,000
Milwaukee, Wisconsin 16 $ 1,907,000 $ 119,187 $ 45,000
San Benito, California 15 $ 6,042,000 $ 402,800 $ 106,000
Flagler, Florida 15 $ 2,708,000 $ 180,533 $ 88,000
Isanti, Minnesota 15 $ 2,747,000 $ 183,133 $ 24,000
Iredell, North Carolina 15 $ 3,393,000 $ 226,200 $ 95,000
Klamath, Oregon 15 $ 1,905,000 $ 127,000 $ 54,000
Will, Illinois 14 $ 2,696,000 $ 192,571 $ 45,000
Crow Wing, Minnesota 14 $ 3,775,000 $ 269,642 $ 76,000
St. Louis City, Missouri 14 $ 1,660,000 $ 118,571 $ 59,000
Warren, New Jersey 14 $ 3,001,000 $ 214,357 $ 82,000
Dona Ana, New Mexico 14 $ 2,148,000 $ 153,428 $ 75,000
Davidson, Tennessee 14 $ 1,911,000 $ 136,500 $ 44,000
Rutherford, Tennessee 14 $ 2,146,000 $ 153,285 $ 78,000
Hampshire, West Virginia 14 $ 1,863,000 $ 133,071 $ 33,000
Kane, Illinois 13 $ 1,925,000 $ 148,076 $ 45,000
St. Charles, Louisiana 13 $ 1,836,000 $ 141,230 $ 31,000
Essex, Massachusetts 13 $ 3,135,000 $ 241,153 $ 71,000
Aitkin, Minnesota 13 $ 2,139,000 $ 164,538 $ 23,000
Lee, North Carolina 13 $ 1,824,000 $ 140,307 $ 47,000
York, South Carolina 13 $ 2,340,000 $ 180,000 $ 86,000
El Paso, Texas 13 $ 1,906,000 $ 146,615 $ 53,000
Douglas, Washington 13 $ 1,776,000 $ 136,615 $ 47,000
Douglas, Wisconsin 13 $ 1,631,000 $ 125,461 $ 46,000
St. Croix, Wisconsin 13 $ 2,305,000 $ 177,307 $ 59,000
Imperial, California 12 $ 2,347,000 $ 195,583 $ 53,000
Clay, Florida 12 $ 1,611,000 $ 134,250 $ 98,000
St. Johns, Florida 12 $ 2,396,000 $ 199,666 $ 117,000
Clarke, Georgia 12 $ 1,787,000 $ 148,916 $ 74,000
Carteret, North Carolina 12 $ 2,582,000 $ 215,166 $ 154,000
Clatsop, Oregon 12 $ 2,346,000 $ 195,500 $ 65,000
Franklin, Pennsylvania 12 $ 1,988,000 $ 165,666 $ 98,000
Abbeville, South Carolina 12 $ 1,552,000 $ 129,333 $ 18,000
Galveston, Texas 12 $ 1,725,000 $ 143,750 $ 20,000
Culpeper, Virginia 12 $ 2,988,000 $ 249,000 $ 88,000
Hampton, Virginia 12 $ 2,188,000 $ 182,333 $ 56,000
New Kent, Virginia 12 $ 1,887,000 $ 157,250 $ 44,000
Shenandoah, Virginia 12 $ 1,642,000 $ 136,833 $ 85,000
Cochise, Arizona 11 $ 1,781,000 $ 161,909 $ 91,000
Escambia, Florida 11 $ 2,023,000 $ 183,909 $ 66,000
Martin, Florida 11 $ 1,611,000 $ 146,454 $ 34,000
Okaloosa, Florida 11 $ 2,350,000 $ 213,636 $ 61,000
Coweta, Georgia 11 $ 1,907,000 $ 173,363 $ 49,000
Bannock, Idaho 11 $ 858,000 $ 78,000 $ 44,000
Itasca, Minnesota 11 $ 1,714,000 $ 155,818 $ 81,000
Missoula, Montana 11 $ 1,899,000 $ 172,636 $ 96,000
Wilson, North Carolina 11 $ 1,390,000 $ 126,363 $ 76,000
Crook, Oregon 11 $ 2,000,000 $ 181,818 $ 77,000
Butler, Pennsylvania 11 $ 2,204,000 $ 200,363 $ 80,000
Bell, Texas 11 $ 983,000 $ 89,363 $ 25,000
Parker, Texas 11 $ 1,912,000 $ 173,818 $ 84,000
Kittitas, Washington 11 $ 1,950,000 $ 177,272 $ 59,000
Skamania, Washington 11 $ 1,911,000 $ 173,727 $ 41,000
Baldwin, Alabama 10 $ 1,317,000 $ 131,700 $ 241,000
Glenn, California 10 $ 2,156,000 $ 215,600 $ 76,000
Montrose, Colorado 10 $ 1,564,000 $ 156,400 $ 46,000
Leon, Florida 10 $ 1,229,000 $ 122,900 $ 57,000
Marion, Florida 10 $ 1,536,000 $ 153,600 $ 45,000
Monroe, Florida 10 $ 4,125,000 $ 412,500 $ 212,000
Hall, Georgia 10 $ 1,893,000 $ 189,300 $ 42,000
Lake, Illinois 10 $ 2,556,000 $ 255,600 $ 45,000
Fayette, Kentucky 10 $ 1,066,000 $ 106,600 $ 64,000
Beauregard, Louisiana 10 $ 1,318,000 $ 131,800 $ 53,000
Caroline, Maryland 10 $ 2,245,000 $ 224,500 $ 39,000
Carlton, Minnesota 10 $ 1,296,000 $ 129,600 $ 31,000
Morrison, Minnesota 10 $ 1,930,000 $ 193,000 $ 29,000
Rice, Minnesota 10 $ 1,825,000 $ 182,500 $ 59,000
Cabarrus, North Carolina 10 $ 1,908,000 $ 190,800 $ 74,000
Wasco, Oregon 10 $ 1,350,000 $ 135,000 $ 103,000
Sumter, South Carolina 10 $ 1,221,000 $ 122,100 $ 42,000
Bexar, Texas 10 $ 1,282,000 $ 128,200 $ 74,000
Kaufman, Texas 10 $ 1,543,000 $ 154,300 $ 44,000
Caroline, Virginia 10 $ 2,188,000 $ 218,800 $ 69,000
Clarke, Virginia 10 $ 1,939,000 $ 193,900 $ 183,000
Apache, Arizona 9 $ 1,148,000 $ 127,555 $ 55,000
Clear Creek, Colorado 9 $ 1,608,000 $ 178,666 $ 63,000
Douglas, Georgia 9 $ 1,677,000 $ 186,333 $ 76,000
Pickens, Georgia 9 $ 1,282,000 $ 142,444 $ 89,000
Terrebonne, Louisiana 9 $ 1,193,000 $ 132,555 $ 60,000
Wicomico, Maryland 9 $ 2,271,000 $ 252,333 $ 40,000
Davidson, North Carolina 9 $ 1,124,000 $ 124,888 $ 48,000
Onslow, North Carolina 9 $ 1,885,000 $ 209,444 $ 162,000
Rockingham, North Carolina 9 $ 1,463,000 $ 162,555 $ 39,000
Adams, Pennsylvania 9 $ 1,270,000 $ 141,111 $ 78,000
Mercer, Pennsylvania 9 $ 1,431,000 $ 159,000 $ 45,000
Dorchester, South Carolina 9 $ 1,244,000 $ 138,222 $ 73,000
Sumner, Tennessee 9 $ 1,864,000 $ 207,111 $ 79,000
McLennan, Texas 9 $ 1,018,000 $ 113,111 $ 76,000
York, Virginia 9 $ 2,021,000 $ 224,555 $ 79,000
Grant, Washington 9 $ 1,204,000 $ 133,777 $ 79,000
Jefferson, Washington 9 $ 1,896,000 $ 210,666 $ 69,000
Yakima, Washington 9 $ 1,044,000 $ 116,000 $ 64,000
Yuma, Arizona 8 $ 1,434,000 $ 179,250 $ 43,000
Sebastian, Arkansas 8 $ 1,177,000 $ 147,125 $ 81,000
Elbert, Colorado 8 $ 1,636,000 $ 204,500 $ 72,000
Santa Rosa, Florida 8 $ 1,449,000 $ 181,125 $ 75,000
Fayette, Georgia 8 $ 2,042,000 $ 255,250 $ 91,000
Floyd, Georgia 8 $ 642,000 $ 80,250 $ 45,000
Henry, Georgia 8 $ 1,216,000 $ 152,000 $ 55,000
Allen, Indiana 8 $ 805,000 $ 100,625 $ 29,000
Boone, Indiana 8 $ 860,000 $ 107,500 $ 62,000
DeKalb, Indiana 8 $ 688,000 $ 86,000 $ 26,000
Allegany, Maryland 8 $ 1,056,000 $ 132,000 $ 56,000
Le Sueur, Minnesota 8 $ 1,859,000 $ 232,375 $ 84,000
Marshall, Minnesota 8 $ 555,000 $ 69,375 $ 35,000
Rockingham, New Hampshire 8 $ 1,554,000 $ 194,250 $ 74,000
Franklin, North Carolina 8 $ 1,032,000 $ 129,000 $ 67,000
Johnston, North Carolina 8 $ 1,441,000 $ 180,125 $ 100,000
Canadian, Oklahoma 8 $ 911,000 $ 113,875 $ 41,000
Wagoner, Oklahoma 8 $ 901,000 $ 112,625 $ 48,000
Curry, Oregon 8 $ 1,776,000 $ 222,000 $ 84,000
Jefferson, Oregon 8 $ 1,658,000 $ 207,250 $ 79,000
Lebanon, Pennsylvania 8 $ 1,537,000 $ 192,125 $ 79,000
Blount, Tennessee 8 $ 1,261,000 $ 157,625 $ 69,000
Grayson, Texas 8 $ 1,237,000 $ 154,625 $ 70,000
Williamson, Texas 8 $ 807,000 $ 100,875 $ 70,000
Dane, Wisconsin 8 $ 841,000 $ 105,125 $ 30,000
Polk, Wisconsin 8 $ 1,304,000 $ 163,000 $ 41,000
Lassen, California 7 $ 1,468,000 $ 209,714 $ 60,000
Mariposa, California 7 $ 1,364,000 $ 194,857 $ 78,000
Mono, California 7 $ 1,605,000 $ 229,285 $ 228,000
Grand, Colorado 7 $ 1,770,000 $ 252,857 $ 148,000
Summit, Colorado 7 $ 2,657,000 $ 379,571 $ 202,000
Johnson, Kansas 7 $ 1,004,000 $ 143,428 $ 132,000
Pulaski, Kentucky 7 $ 795,000 $ 113,571 $ 43,000
St. Martin, Louisiana 7 $ 820,000 $ 117,142 $ 28,000
Cumberland, Maine 7 $ 1,487,000 $ 212,428 $ 61,000
Dorchester, Maryland 7 $ 1,577,000 $ 225,285 $ 168,000
Worcester, Massachusetts 7 $ 1,397,000 $ 199,571 $ 38,000
Benton, Minnesota 7 $ 1,379,000 $ 197,000 $ 70,000
Douglas, Minnesota 7 $ 1,240,000 $ 177,142 $ 53,000
Mille Lacs, Minnesota 7 $ 1,277,000 $ 182,428 $ 66,000
Winona, Minnesota 7 $ 581,000 $ 83,000 $ 65,000
Rowan, North Carolina 7 $ 1,049,000 $ 149,857 $ 49,000
Watauga, North Carolina 7 $ 1,518,000 $ 216,857 $ 67,000
Lackawanna, Pennsylvania 7 $ 1,214,000 $ 173,428 $ 77,000
Ellis, Texas 7 $ 1,053,000 $ 150,428 $ 67,000
Montgomery, Texas 7 $ 1,324,000 $ 189,142 $ 96,000
Rockwall, Texas 7 $ 772,000 $ 110,285 $ 43,000
Iron, Utah 7 $ 1,165,000 $ 166,428 $ 53,000
Juab, Utah 7 $ 639,000 $ 91,285 $ 44,000
Summit, Utah 7 $ 2,020,000 $ 288,571 $ 94,000
Amelia, Virginia 7 $ 1,879,000 $ 268,428 $ 32,000
Fairfax City, Virginia 7 $ 2,037,000 $ 291,000 $ 111,000
Fauquier, Virginia 7 $ 1,720,000 $ 245,714 $ 92,000
Isle of Wight, Virginia 7 $ 1,377,000 $ 196,714 $ 62,000
Powhatan, Virginia 7 $ 1,385,000 $ 197,857 $ 49,000
Grays Harbor, Washington 7 $ 1,149,000 $ 164,142 $ 101,000
Stevens, Washington 7 $ 1,151,000 $ 164,428 $ 82,000
Benton, Arkansas 6 $ 1,407,000 $ 234,500 $ 80,000
Trinity, California 6 $ 893,000 $ 148,833 $ 101,000
Eagle, Colorado 6 $ 2,043,000 $ 340,500 $ 113,000
Middlesex, Connecticut 6 $ 1,332,000 $ 222,000 $ 71,000
Alachua, Florida 6 $ 818,000 $ 136,333 $ 78,000
DeSoto, Florida 6 $ 1,129,000 $ 188,166 $ 93,000
Indian River, Florida 6 $ 1,306,000 $ 217,666 $ 165,000
Nez Perce, Idaho 6 $ 902,000 $ 150,333 $ 61,000
Payette, Idaho 6 $ 467,000 $ 77,833 $ 73,000
McHenry, Illinois 6 $ 913,000 $ 152,166 $ 42,000
Kosciusko, Indiana 6 $ 629,000 $ 104,833 $ 47,000
Marion, Indiana 6 $ 919,000 $ 153,166 $ 76,000
Olmsted, Minnesota 6 $ 1,023,000 $ 170,500 $ 62,000
Roseau, Minnesota 6 $ 379,000 $ 63,166 $ 34,000
Sibley, Minnesota 6 $ 1,141,000 $ 190,166 $ 146,000
Jackson, Missouri 6 $ 918,000 $ 153,000 $ 48,000
Yellowstone, Montana 6 $ 685,000 $ 114,166 $ 33,000
Craven, North Carolina 6 $ 877,000 $ 146,166 $ 43,000
Lincoln, North Carolina 6 $ 1,578,000 $ 263,000 $ 89,000
Baker, Oregon 6 $ 780,000 $ 130,000 $ 29,000
Union, Oregon 6 $ 737,000 $ 122,833 $ 45,000
Wallowa, Oregon 6 $ 627,000 $ 104,500 $ 53,000
Beaver, Pennsylvania 6 $ 532,000 $ 88,666 $ 42,000
Fort Bend, Texas 6 $ 1,159,000 $ 193,166 $ 88,000
Hardin, Texas 6 $ 626,000 $ 104,333 $ 39,000
Hays, Texas 6 $ 1,065,000 $ 177,500 $ 67,000
Okanogan, Washington 6 $ 616,000 $ 102,666 $ 48,000
Jefferson, West Virginia 6 $ 1,232,000 $ 205,333 $ 79,000
La Plata, Colorado 5 $ 1,151,000 $ 230,200 $ 77,000
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Mortgage Loan Application Detail Totals for Loancity 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
Refinancing 28,046 $6,626,649,000 $187,872 $2,240,000 $70,510 $4,656,000
Home Purchase 16,351 $3,432,663,000 $184,956 $2,145,000 $91,869 $3,996,000
Home Improvement 480 $125,949,000 $236,666 $980,000 $76,000 $781,000

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 28,769 $6,305,760,000 $191,425 $2,240,000 $87,170 $3,996,000
Not Provided 7,544 $1,796,738,000 $177,638 $2,165,000 $51,297 $1,328,000
Hispanic 3,574 $794,657,000 $162,060 $1,850,000 $62,545 $4,656,000
Asian 2,807 $837,649,000 $217,774 $2,145,000 $95,000 $2,170,000
Black or African American 1,815 $365,577,000 $170,054 $1,120,000 $68,162 $1,142,000
Native Hawaiian or Other Pacific Islander 258 $62,552,000 $180,761 $655,000 $102,333 $785,000
American Indian or Alaskan Native 110 $22,328,000 $182,631 $650,000 $62,157 $300,000
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) 42,706 $9,845,691,000 $187,291 $2,240,000 $79,729 $4,656,000
FHA-insured (Federal Housing Administration) 1,472 $217,761,000 $134,972 $412,000 $37,194 $617,000
VA-guaranteed (Veterans Administration) 699 $121,809,000 $169,300 $365,000 $44,900 $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 28,674 $6,419,812,000 $185,666 $2,000,000 $90,822 $3,283,000
Application Withdrawn By Applicant 5,694 $1,277,642,000 $181,217 $2,000,000 $33,086 $3,996,000
Application Approved But Not Accepted 5,279 $1,343,625,000 $201,500 $1,500,000 $81,954 $4,656,000
Application Denied By Financial Institution 3,725 $804,800,000 $176,604 $2,240,000 $79,627 $2,170,000
File Closed For Incompleteness 1,505 $339,382,000 $180,219 $2,145,000 $78,902 $864,000
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 1,258 $267,832,000 $169,076 $2,165,000 $75,051 $1,296,000
Other 739 $163,169,000 $156,151 $1,528,000 $100,969 $2,170,000
Debt-To-Income Ratio 702 $152,414,000 $178,294 $1,100,000 $59,411 $414,000
Unverifiable Information 383 $80,827,000 $238,772 $1,575,000 $122,318 $960,000
Collateral 358 $79,054,000 $173,500 $1,500,000 $88,178 $545,000
Employment History 110 $25,657,000 $223,250 $1,000,000 $100,000 $642,000
Credit Application Incomplete 93 $19,344,000 $192,562 $550,000 $73,375 $240,000
Insufficient Cash (Downpayment, Closing Cost) 43 $11,191,000 $208,769 $2,240,000 $99,769 $480,000
Mortgage Insurance Denied 4 $818,000 $204,500 $298,000 $98,500 $206,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Loancity'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 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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