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Disclosure Act (HMDA) records Loancity filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Sacramento--Arden-Arcade--Roseville, CA | 3,963 | $ 976,723,000 | $ 246,460 | $ 100,000 |
| Oakland-Fremont-Hayward, CA | 3,174 | $ 1,184,634,000 | $ 373,230 | $ 111,000 |
| Portland-Vancouver-Beaverton, OR-WA | 3,137 | $ 578,141,000 | $ 184,297 | $ 60,000 |
| Seattle-Bellevue-Everett, WA | 2,336 | $ 526,786,000 | $ 225,507 | $ 80,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2,226 | $ 392,430,000 | $ 176,293 | $ 49,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 2,138 | $ 860,626,000 | $ 402,537 | $ 135,000 |
| San Diego-Carlsbad-San Marcos, CA | 1,878 | $ 608,225,000 | $ 323,868 | $ 241,000 |
| Denver-Aurora, CO | 1,864 | $ 362,607,000 | $ 194,531 | $ 53,000 |
| Los Angeles-Long Beach-Glendale, CA | 1,598 | $ 469,049,000 | $ 293,522 | $ 137,000 |
| Riverside-San Bernardino-Ontario, CA | 1,243 | $ 299,968,000 | $ 241,325 | $ 146,000 |
| Santa Ana-Anaheim-Irvine, CA | 1,229 | $ 437,743,000 | $ 356,178 | $ 108,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1,088 | $ 190,249,000 | $ 174,861 | $ 56,000 |
| Philadelphia, PA | 943 | $ 183,002,000 | $ 194,063 | $ 84,000 |
| Eugene-Springfield, OR | 932 | $ 134,115,000 | $ 143,900 | $ 59,000 |
| San Francisco-San Mateo-Redwood City, CA | 920 | $ 416,019,000 | $ 452,194 | $ 136,000 |
| Las Vegas-Paradise, NV | 878 | $ 169,299,000 | $ 192,823 | $ 66,000 |
| Tampa-St. Petersburg-Clearwater, FL | 813 | $ 118,990,000 | $ 146,359 | $ 59,000 |
| Salem, OR | 763 | $ 103,421,000 | $ 135,545 | $ 48,000 |
| Chicago-Naperville-Joliet, IL | 744 | $ 143,296,000 | $ 192,602 | $ 66,000 |
| Dallas-Plano-Irving, TX | 704 | $ 97,467,000 | $ 138,447 | $ 63,000 |
| Stockton, CA | 659 | $ 163,490,000 | $ 248,088 | $ 92,000 |
| Baltimore-Towson, MD | 594 | $ 119,849,000 | $ 201,765 | $ 74,000 |
| Edison, NJ | 587 | $ 129,467,000 | $ 220,557 | $ 98,000 |
| Vallejo-Fairfield, CA | 585 | $ 155,707,000 | $ 266,165 | $ 85,000 |
| Fort Worth-Arlington, TX | 557 | $ 63,468,000 | $ 113,946 | $ 59,000 |
| Tacoma, WA | 529 | $ 97,244,000 | $ 183,826 | $ 67,000 |
| Salt Lake City, UT | 483 | $ 86,587,000 | $ 179,269 | $ 64,000 |
| Miami-Miami Beach-Kendall, FL | 477 | $ 81,624,000 | $ 171,119 | $ 82,000 |
| Pittsburgh, PA | 441 | $ 63,792,000 | $ 144,653 | $ 72,000 |
| Modesto, CA | 420 | $ 86,279,000 | $ 205,426 | $ 76,000 |
| Tucson, AZ | 412 | $ 62,947,000 | $ 152,783 | $ 46,000 |
| Bethesda-Frederick-Gaithersburg, MD | 387 | $ 99,381,000 | $ 256,798 | $ 81,000 |
| Santa Rosa-Petaluma, CA | 363 | $ 122,362,000 | $ 337,085 | $ 145,000 |
| Houston-Baytown-Sugar Land, TX | 346 | $ 50,106,000 | $ 144,815 | $ 90,000 |
| Newark-Union, NJ-PA | 343 | $ 82,412,000 | $ 240,268 | $ 66,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 338 | $ 60,904,000 | $ 180,189 | $ 62,000 |
| Fresno, CA | 334 | $ 62,206,000 | $ 186,245 | $ 116,000 |
| Reno-Sparks, NV | 311 | $ 73,503,000 | $ 236,344 | $ 93,000 |
| Lake Charles, LA | 289 | $ 32,703,000 | $ 113,159 | $ 63,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 271 | $ 49,689,000 | $ 183,354 | $ 75,000 |
| Albuquerque, NM | 270 | $ 37,804,000 | $ 140,014 | $ 54,000 |
| Provo-Orem, UT | 268 | $ 46,227,000 | $ 172,488 | $ 48,000 |
| Spokane, WA | 262 | $ 32,159,000 | $ 122,744 | $ 48,000 |
| Omaha-Council Bluffs, NE-IA | 259 | $ 34,902,000 | $ 134,756 | $ 42,000 |
| Bend, OR | 232 | $ 42,628,000 | $ 183,741 | $ 81,000 |
| Camden, NJ | 228 | $ 38,297,000 | $ 167,969 | $ 61,000 |
| Medford, OR | 218 | $ 37,859,000 | $ 173,665 | $ 54,000 |
| Baton Rouge, LA | 213 | $ 24,678,000 | $ 115,859 | $ 53,000 |
| Oklahoma City, OK | 213 | $ 27,473,000 | $ 128,981 | $ 54,000 |
| Redding, CA | 213 | $ 36,683,000 | $ 172,220 | $ 83,000 |
| Salinas, CA | 200 | $ 63,064,000 | $ 315,320 | $ 106,000 |
| Yuba City, CA | 197 | $ 34,212,000 | $ 173,664 | $ 75,000 |
| Charlotte-Gastonia-Concord, NC-SC | 195 | $ 40,071,000 | $ 205,492 | $ 73,000 |
| Louisville, KY-IN | 189 | $ 29,516,000 | $ 156,169 | $ 75,000 |
| Tulsa, OK | 186 | $ 19,193,000 | $ 103,188 | $ 51,000 |
| Shreveport-Bossier City, LA | 182 | $ 23,487,000 | $ 129,049 | $ 59,000 |
| San Luis Obispo-Paso Robles, CA | 157 | $ 54,425,000 | $ 346,656 | $ 119,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 156 | $ 51,092,000 | $ 327,512 | $ 109,000 |
| Raleigh-Cary, NC | 145 | $ 23,400,000 | $ 161,379 | $ 41,000 |
| Fort Collins-Loveland, CO | 135 | $ 26,219,000 | $ 194,214 | $ 69,000 |
| Boulder, CO | 133 | $ 30,465,000 | $ 229,060 | $ 60,000 |
| Santa Cruz-Watsonville, CA | 133 | $ 51,467,000 | $ 386,969 | $ 144,000 |
| Bremerton-Silverdale, WA | 130 | $ 26,001,000 | $ 200,007 | $ 60,000 |
| Olympia, WA | 129 | $ 20,172,000 | $ 156,372 | $ 66,000 |
| Greeley, CO | 124 | $ 20,480,000 | $ 165,161 | $ 48,000 |
| Napa, CA | 124 | $ 38,715,000 | $ 312,217 | $ 100,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 122 | $ 19,314,000 | $ 158,311 | $ 46,000 |
| Bellingham, WA | 119 | $ 22,224,000 | $ 186,756 | $ 75,000 |
| Boise City-Nampa, ID | 119 | $ 17,013,000 | $ 142,966 | $ 57,000 |
| Orlando, FL | 118 | $ 17,219,000 | $ 145,923 | $ 74,000 |
| Knoxville, TN | 117 | $ 16,719,000 | $ 142,897 | $ 56,000 |
| Bakersfield, CA | 115 | $ 19,557,000 | $ 170,060 | $ 80,000 |
| Ogden-Clearfield, UT | 114 | $ 18,542,000 | $ 162,649 | $ 66,000 |
| Chico, CA | 113 | $ 23,277,000 | $ 205,991 | $ 72,000 |
| Gary, IN | 112 | $ 14,244,000 | $ 127,178 | $ 52,000 |
| Kennewick-Richland-Pasco, WA | 112 | $ 14,586,000 | $ 130,232 | $ 46,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 111 | $ 24,874,000 | $ 224,090 | $ 79,000 |
| Carson City, NV | 102 | $ 18,262,000 | $ 179,039 | $ 63,000 |
| Wenatchee, WA | 101 | $ 16,119,000 | $ 159,594 | $ 53,000 |
| Prescott, AZ | 100 | $ 14,519,000 | $ 145,190 | $ 45,000 |
| Mobile, AL | 99 | $ 8,825,000 | $ 89,141 | $ 36,000 |
| York-Hanover, PA | 99 | $ 13,506,000 | $ 136,424 | $ 63,000 |
| Sarasota-Bradenton-Venice, FL | 95 | $ 16,561,000 | $ 174,326 | $ 74,000 |
| Harrisburg-Carlisle, PA | 94 | $ 13,079,000 | $ 139,138 | $ 54,000 |
| Coeur D'Alene, ID | 93 | $ 13,832,000 | $ 148,731 | $ 55,000 |
| Nashville-Davidson--Murfreesboro, TN | 93 | $ 16,228,000 | $ 174,494 | $ 54,000 |
| Colorado Springs, CO | 92 | $ 17,583,000 | $ 191,119 | $ 53,000 |
| New Orleans-Metairie-Kenner, LA | 91 | $ 13,434,000 | $ 147,626 | $ 53,000 |
| Corvallis, OR | 89 | $ 12,399,000 | $ 139,314 | $ 68,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 88 | $ 15,114,000 | $ 171,750 | $ 74,000 |
| Santa Fe, NM | 88 | $ 18,502,000 | $ 210,250 | $ 77,000 |
| Visalia-Porterville, CA | 87 | $ 12,269,000 | $ 141,022 | $ 87,000 |
| St. Louis, MO-IL | 86 | $ 14,149,000 | $ 164,523 | $ 65,000 |
| Winchester, VA-WV | 86 | $ 15,315,000 | $ 178,081 | $ 52,000 |
| Merced, CA | 84 | $ 16,661,000 | $ 198,345 | $ 67,000 |
| Cape Coral-Fort Myers, FL | 83 | $ 14,850,000 | $ 178,915 | $ 86,000 |
| Lake County-Kenosha County, IL-WI | 81 | $ 18,635,000 | $ 230,061 | $ 90,000 |
| Durham, NC | 80 | $ 14,290,000 | $ 178,625 | $ 52,000 |
| Warren-Farmington Hills-Troy, MI | 77 | $ 15,570,000 | $ 202,207 | $ 66,000 |
| Athens-Clarke County, GA | 76 | $ 10,257,000 | $ 134,960 | $ 70,000 |
| Richmond, VA | 76 | $ 11,850,000 | $ 155,921 | $ 51,000 |
| Longview, WA | 75 | $ 10,982,000 | $ 146,426 | $ 91,000 |
| Chattanooga, TN-GA | 66 | $ 7,705,000 | $ 116,742 | $ 31,000 |
| Lancaster, PA | 66 | $ 9,481,000 | $ 143,651 | $ 68,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 65 | $ 20,313,000 | $ 312,507 | $ 115,000 |
| Detroit-Livonia-Dearborn, MI | 63 | $ 8,206,000 | $ 130,253 | $ 44,000 |
| Hartford-West Hartford-East Hartford, CT | 63 | $ 11,007,000 | $ 174,714 | $ 50,000 |
| Mount Vernon-Anacortes, WA | 62 | $ 10,294,000 | $ 166,032 | $ 52,000 |
| Reading, PA | 57 | $ 7,644,000 | $ 134,105 | $ 52,000 |
| Trenton-Ewing, NJ | 57 | $ 10,963,000 | $ 192,333 | $ 70,000 |
| Indianapolis, IN | 54 | $ 8,030,000 | $ 148,703 | $ 58,000 |
| Austin-Round Rock, TX | 52 | $ 8,613,000 | $ 165,634 | $ 60,000 |
| Logan, UT-ID | 50 | $ 6,379,000 | $ 127,580 | $ 46,000 |
| Flagstaff, AZ | 49 | $ 8,977,000 | $ 183,204 | $ 113,000 |
| Port St. Lucie-Fort Pierce, FL | 48 | $ 8,429,000 | $ 175,604 | $ 51,000 |
| Wichita Falls, TX | 46 | $ 4,398,000 | $ 95,608 | $ 44,000 |
| Greensboro-High Point, NC | 45 | $ 6,227,000 | $ 138,377 | $ 34,000 |
| Madera, CA | 45 | $ 8,611,000 | $ 191,355 | $ 59,000 |
| Memphis, TN-MS-AR | 45 | $ 7,086,000 | $ 157,466 | $ 74,000 |
| Cambridge-Newton-Framingham, MA | 44 | $ 12,448,000 | $ 282,909 | $ 106,000 |
| Missoula, MT | 43 | $ 7,216,000 | $ 167,813 | $ 49,000 |
| San Antonio, TX | 43 | $ 6,546,000 | $ 152,232 | $ 66,000 |
| St. George, UT | 43 | $ 7,252,000 | $ 168,651 | $ 69,000 |
| Wilmington, DE-MD-NJ | 43 | $ 8,088,000 | $ 188,093 | $ 85,000 |
| Atlantic City, NJ | 42 | $ 8,067,000 | $ 192,071 | $ 73,000 |
| Columbia, SC | 41 | $ 5,835,000 | $ 142,317 | $ 62,000 |
| Jacksonville, FL | 41 | $ 6,191,000 | $ 151,000 | $ 57,000 |
| El Paso, TX | 39 | $ 3,686,000 | $ 94,512 | $ 42,000 |
| Yuma, AZ | 39 | $ 3,823,000 | $ 98,025 | $ 11,000 |
| Boston-Quincy, MA | 35 | $ 9,032,000 | $ 258,057 | $ 70,000 |
| Huntsville, AL | 33 | $ 4,336,000 | $ 131,393 | $ 58,000 |
| Naples-Marco Island, FL | 33 | $ 7,756,000 | $ 235,030 | $ 91,000 |
| Palm Bay-Melbourne-Titusville, FL | 33 | $ 5,290,000 | $ 160,303 | $ 62,000 |
| Pueblo, CO | 33 | $ 4,323,000 | $ 131,000 | $ 44,000 |
| Yakima, WA | 32 | $ 3,562,000 | $ 111,312 | $ 59,000 |
| Ocean City, NJ | 31 | $ 7,214,000 | $ 232,709 | $ 144,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 30 | $ 8,323,000 | $ 277,433 | $ 96,000 |
| Charleston-North Charleston, SC | 29 | $ 6,611,000 | $ 227,965 | $ 76,000 |
| Greenville, NC | 28 | $ 3,029,000 | $ 108,178 | $ 39,000 |
| Lafayette, LA | 28 | $ 3,453,000 | $ 123,321 | $ 40,000 |
| Florence, SC | 26 | $ 3,375,000 | $ 129,807 | $ 39,000 |
| Lexington-Fayette, KY | 26 | $ 3,050,000 | $ 117,307 | $ 56,000 |
| Lakeland, FL | 25 | $ 3,014,000 | $ 120,560 | $ 55,000 |
| Lincoln, NE | 25 | $ 3,567,000 | $ 142,680 | $ 44,000 |
| Worcester, MA | 23 | $ 4,927,000 | $ 214,217 | $ 91,000 |
| Birmingham-Hoover, AL | 22 | $ 3,334,000 | $ 151,545 | $ 51,000 |
| Bridgeport-Stamford-Norwalk, CT | 22 | $ 6,818,000 | $ 309,909 | $ 67,000 |
| New Haven-Milford, CT | 22 | $ 4,012,000 | $ 182,363 | $ 43,000 |
| Springfield, MA | 22 | $ 3,293,000 | $ 149,681 | $ 37,000 |
| Houma-Bayou Cane-Thibodaux, LA | 21 | $ 2,795,000 | $ 133,095 | $ 54,000 |
| Kansas City, MO-KS | 21 | $ 2,803,000 | $ 133,476 | $ 31,000 |
| Owensboro, KY | 20 | $ 2,468,000 | $ 123,400 | $ 42,000 |
| Tallahassee, FL | 20 | $ 3,139,000 | $ 156,950 | $ 44,000 |
| Cincinnati-Middletown, OH-KY-IN | 19 | $ 3,348,000 | $ 176,210 | $ 78,000 |
| El Centro, CA | 19 | $ 2,673,000 | $ 140,684 | $ 82,000 |
| Wilmington, NC | 19 | $ 5,564,000 | $ 292,842 | $ 100,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 18 | $ 2,540,000 | $ 141,111 | $ 59,000 |
| Grand Junction, CO | 18 | $ 2,327,000 | $ 129,277 | $ 44,000 |
| Jackson, MS | 17 | $ 2,358,000 | $ 138,705 | $ 73,000 |
| Pensacola-Ferry Pass-Brent, FL | 17 | $ 2,827,000 | $ 166,294 | $ 71,000 |
| Asheville, NC | 16 | $ 3,059,000 | $ 191,187 | $ 104,000 |
| Greenville, SC | 16 | $ 2,754,000 | $ 172,125 | $ 56,000 |
| Anderson, IN | 14 | $ 1,178,000 | $ 84,142 | $ 42,000 |
| Cheyenne, WY | 14 | $ 1,512,000 | $ 108,000 | $ 35,000 |
| Lubbock, TX | 14 | $ 2,031,000 | $ 145,071 | $ 50,000 |
| Scranton--Wilkes-Barre, PA | 14 | $ 2,337,000 | $ 166,928 | $ 52,000 |
| Fort Smith, AR-OK | 13 | $ 1,550,000 | $ 119,230 | $ 75,000 |
| Hagerstown-Martinsburg, MD-WV | 13 | $ 2,161,000 | $ 166,230 | $ 43,000 |
| Harrisonburg, VA | 13 | $ 2,039,000 | $ 156,846 | $ 45,000 |
| Waco, TX | 13 | $ 1,283,000 | $ 98,692 | $ 50,000 |
| Columbus, OH | 12 | $ 2,248,000 | $ 187,333 | $ 47,000 |
| Essex County, MA | 12 | $ 3,166,000 | $ 263,833 | $ 82,000 |
| Gainesville, GA | 12 | $ 1,803,000 | $ 150,250 | $ 31,000 |
| Hanford-Corcoran, CA | 12 | $ 2,024,000 | $ 168,666 | $ 93,000 |
| Lebanon, PA | 12 | $ 1,843,000 | $ 153,583 | $ 97,000 |
| Milwaukee-Waukesha-West Allis, WI | 12 | $ 1,888,000 | $ 157,333 | $ 89,000 |
| Portland-South Portland-Biddeford, ME | 12 | $ 1,836,000 | $ 153,000 | $ 59,000 |
| Rockford, IL | 12 | $ 1,457,000 | $ 121,416 | $ 43,000 |
| Tyler, TX | 12 | $ 1,175,000 | $ 97,916 | $ 51,000 |
| Cleveland-Elyria-Mentor, OH | 11 | $ 1,159,000 | $ 105,363 | $ 60,000 |
| Killeen-Temple-Fort Hood, TX | 11 | $ 1,566,000 | $ 142,363 | $ 54,000 |
| Anderson, SC | 10 | $ 1,147,000 | $ 114,700 | $ 43,000 |
| Las Cruces, NM | 10 | $ 1,499,000 | $ 149,900 | $ 41,000 |
| Spartanburg, SC | 10 | $ 1,493,000 | $ 149,300 | $ 66,000 |
| State College, PA | 10 | $ 2,133,000 | $ 213,300 | $ 73,000 |
| Amarillo, TX | 9 | $ 906,000 | $ 100,666 | $ 41,000 |
| Augusta-Richmond County, GA-SC | 9 | $ 1,216,000 | $ 135,111 | $ 33,000 |
| Beaumont-Port Arthur, TX | 9 | $ 1,188,000 | $ 132,000 | $ 60,000 |
| Burlington, NC | 9 | $ 1,083,000 | $ 120,333 | $ 60,000 |
| Charlottesville, VA | 9 | $ 1,836,000 | $ 204,000 | $ 73,000 |
| Corpus Christi, TX | 9 | $ 1,150,000 | $ 127,777 | $ 41,000 |
| Erie, PA | 9 | $ 986,000 | $ 109,555 | $ 29,000 |
| Fort Wayne, IN | 9 | $ 1,055,000 | $ 117,222 | $ 139,000 |
| Gulfport-Biloxi, MS | 9 | $ 1,723,000 | $ 191,444 | $ 44,000 |
| Idaho Falls, ID | 9 | $ 1,802,000 | $ 200,222 | $ 34,000 |
| Providence-New Bedford-Fall River, RI-MA | 9 | $ 1,422,000 | $ 158,000 | $ 62,000 |
| Savannah, GA | 9 | $ 1,787,000 | $ 198,555 | $ 52,000 |
| Cumberland, MD-WV | 8 | $ 804,000 | $ 100,500 | $ 45,000 |
| Hickory-Lenoir-Morganton, NC | 8 | $ 1,245,000 | $ 155,625 | $ 34,000 |
| Ocala, FL | 8 | $ 1,251,000 | $ 156,375 | $ 66,000 |
| Punta Gorda, FL | 8 | $ 1,773,000 | $ 221,625 | $ 88,000 |
| Salisbury, MD | 8 | $ 1,345,000 | $ 168,125 | $ 79,000 |
| Sumter, SC | 8 | $ 898,000 | $ 112,250 | $ 28,000 |
| Altoona, PA | 7 | $ 1,064,000 | $ 152,000 | $ 57,000 |
| Barnstable Town, MA | 7 | $ 1,686,000 | $ 240,857 | $ 46,000 |
| Columbia, MO | 7 | $ 1,061,000 | $ 151,571 | $ 362,000 |
| Elizabethtown, KY | 7 | $ 1,129,000 | $ 161,285 | $ 124,000 |
| Elkhart-Goshen, IN | 7 | $ 770,000 | $ 110,000 | $ 37,000 |
| Laredo, TX | 7 | $ 1,148,000 | $ 164,000 | $ 67,000 |
| Morristown, TN | 7 | $ 678,000 | $ 96,857 | $ 47,000 |
| Panama City-Lynn Haven, FL | 7 | $ 1,309,000 | $ 187,000 | $ 71,000 |
| Sherman-Denison, TX | 7 | $ 1,343,000 | $ 191,857 | $ 134,000 |
| Vineland-Millville-Bridgeton, NJ | 7 | $ 830,000 | $ 118,571 | $ 46,000 |
| Wichita, KS | 7 | $ 618,000 | $ 88,285 | $ 21,000 |
| Winston-Salem, NC | 7 | $ 1,687,000 | $ 241,000 | $ 40,000 |
| Abilene, TX | 6 | $ 695,000 | $ 115,833 | $ 98,000 |
| Billings, MT | 6 | $ 811,000 | $ 135,166 | $ 43,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 6 | $ 503,000 | $ 83,833 | $ 115,000 |
| Gainesville, FL | 6 | $ 754,000 | $ 125,666 | $ 72,000 |
| Great Falls, MT | 6 | $ 524,000 | $ 87,333 | $ 17,000 |
| Pascagoula, MS | 6 | $ 519,000 | $ 86,500 | $ 26,000 |
| Rome, GA | 6 | $ 633,000 | $ 105,500 | $ 30,000 |
| Dayton, OH | 5 | $ 630,000 | $ 126,000 | $ 39,000 |
| Farmington, NM | 5 | $ 650,000 | $ 130,000 | $ 110,000 |
| McAllen-Edinburg-Pharr, TX | 5 | $ 647,000 | $ 129,400 | $ 31,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 5 | $ 679,000 | $ 135,800 | $ 7,000 |
| Alexandria, LA | 4 | $ 558,000 | $ 139,500 | $ 54,000 |
| Brownsville-Harlingen, TX | 4 | $ 640,000 | $ 160,000 | $ 67,000 |
| Clarksville, TN-KY | 4 | $ 689,000 | $ 172,250 | $ 42,000 |
| Columbus, GA-AL | 4 | $ 425,000 | $ 106,250 | $ 32,000 |
| Des Moines, IA | 4 | $ 822,000 | $ 205,500 | $ 99,000 |
| Grand Rapids-Wyoming, MI | 4 | $ 559,000 | $ 139,750 | $ 43,000 |
| Hinesville-Fort Stewart, GA | 4 | $ 366,000 | $ 91,500 | $ 26,000 |
| Johnstown, PA | 4 | $ 671,000 | $ 167,750 | $ 51,000 |
| Little Rock-North Little Rock, AR | 4 | $ 745,000 | $ 186,250 | $ 87,000 |
| Lynchburg, VA | 4 | $ 571,000 | $ 142,750 | $ 27,000 |
| Manchester-Nashua, NH | 4 | $ 957,000 | $ 239,250 | $ 58,000 |
| Pocatello, ID | 4 | $ 359,000 | $ 89,750 | $ 95,000 |
| Rochester, MN | 4 | $ 651,000 | $ 162,750 | $ 9,000 |
| Rocky Mount, NC | 4 | $ 343,000 | $ 85,750 | $ 138,000 |
| South Bend-Mishawaka, IN-MI | 4 | $ 275,000 | $ 68,750 | $ 27,000 |
| Texarkana, Tx-Texarkana, AR | 4 | $ 538,000 | $ 134,500 | $ 98,000 |
| Akron, OH | 3 | $ 587,000 | $ 195,666 | $ 74,000 |
| Ann Arbor, MI | 3 | $ 726,000 | $ 242,000 | $ 195,000 |
| Columbus, IN | 3 | $ 391,000 | $ 130,333 | $ 59,000 |
| Dover, DE | 3 | $ 531,000 | $ 177,000 | $ 32,000 |
| Fort Walton Beach-Crestview-Destin, FL | 3 | $ 535,000 | $ 178,333 | $ 29,000 |
| Longview, TX | 3 | $ 323,000 | $ 107,666 | $ 80,000 |
| Michigan City-La Porte, IN | 3 | $ 297,000 | $ 99,000 | $ 61,000 |
| Monroe, LA | 3 | $ 259,000 | $ 86,333 | $ 36,000 |
| Norwich-New London, CT | 3 | $ 498,000 | $ 166,000 | $ 30,000 |
| Roanoke, VA | 3 | $ 502,000 | $ 167,333 | $ 16,000 |
| St. Cloud, MN | 3 | $ 284,000 | $ 94,666 | $ 46,000 |
| Vero Beach, FL | 3 | $ 321,000 | $ 107,000 | $ 52,000 |
| Warner Robins, GA | 3 | $ 445,000 | $ 148,333 | $ 55,000 |
| Williamsport, PA | 3 | $ 653,000 | $ 217,666 | $ 56,000 |
| Albany-Schenectady-Troy, NY | 2 | $ 680,000 | $ 340,000 | $ 120,000 |
| Bloomington-Normal, IL | 2 | $ 152,000 | $ 76,000 | $ 52,000 |
| Brunswick, GA | 2 | $ 384,000 | $ 192,000 | $ 152,000 |
| Casper, WY | 2 | $ 135,000 | $ 67,500 | $ 18,000 |
| Cedar Rapids, IA | 2 | $ 219,000 | $ 109,500 | $ 22,000 |
| College Station-Bryan, TX | 2 | $ 237,000 | $ 118,500 | $ 55,000 |
| Dalton, GA | 2 | $ 224,000 | $ 112,000 | $ 32,000 |
| Danville, VA | 2 | $ 251,000 | $ 125,500 | $ 24,000 |
| Duluth, MN-WI | 2 | $ 168,000 | $ 84,000 | $ 70,000 |
| Fayetteville, NC | 2 | $ 314,000 | $ 157,000 | $ 117,000 |
| Florence-Muscle Shoals, AL | 2 | $ 175,000 | $ 87,500 | $ 30,000 |
| Jackson, TN | 2 | $ 189,000 | $ 94,500 | $ 62,000 |
| Kankakee-Bradley, IL | 2 | $ 231,000 | $ 115,500 | $ 45,000 |
| Lewiston, ID-WA | 2 | $ 499,000 | $ 249,500 | $ 98,000 |
| Muskegon-Norton Shores, MI | 2 | $ 167,000 | $ 83,500 | $ 44,000 |
| Odessa, TX | 2 | $ 149,000 | $ 74,500 | $ 0 |
| Peoria, IL | 2 | $ 225,000 | $ 112,500 | $ 70,000 |
| Rockingham County-Strafford County, NH | 2 | $ 490,000 | $ 245,000 | $ 98,000 |
| Springfield, IL | 2 | $ 298,000 | $ 149,000 | $ 0 |
| Toledo, OH | 2 | $ 394,000 | $ 197,000 | $ 66,000 |
| Anniston-Oxford, AL | 1 | $ 52,000 | $ 52,000 | $ 18,000 |
| Auburn-Opelika, AL | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Bowling Green, KY | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Burlington-South Burlington, VT | 1 | $ 107,000 | $ 107,000 | $ 162,000 |
| Cleveland, TN | 1 | $ 100,000 | $ 100,000 | $ 43,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 101,000 | $ 101,000 | $ 31,000 |
| Decatur, AL | 1 | $ 140,000 | $ 140,000 | $ 50,000 |
| Dothan, AL | 1 | $ 65,000 | $ 65,000 | $ 60,000 |
| Evansville, IN-KY | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Flint, MI | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Gadsden, AL | 1 | $ 227,000 | $ 227,000 | $ 154,000 |
| Goldsboro, NC | 1 | $ 225,000 | $ 225,000 | $ 126,000 |
| Grand Forks, ND-MN | 1 | $ 112,000 | $ 112,000 | $ 0 |
| Holland-Grand Haven, MI | 1 | $ 164,000 | $ 164,000 | $ 65,000 |
| Hot Springs, AR | 1 | $ 47,000 | $ 47,000 | $ 0 |
| Jackson, MI | 1 | $ 252,000 | $ 252,000 | $ 53,000 |
| Jacksonville, NC | 1 | $ 102,000 | $ 102,000 | $ 76,000 |
| Kalamazoo-Portage, MI | 1 | $ 158,000 | $ 158,000 | $ 168,000 |
| Kingston, NY | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Kokomo, IN | 1 | $ 59,000 | $ 59,000 | $ 18,000 |
| Lansing-East Lansing, MI | 1 | $ 155,000 | $ 155,000 | $ 145,000 |
| Lawton, OK | 1 | $ 130,000 | $ 130,000 | $ 39,000 |
| Midland, TX | 1 | $ 139,000 | $ 139,000 | $ 50,000 |
| Monroe, MI | 1 | $ 130,000 | $ 130,000 | $ 60,000 |
| Muncie, IN | 1 | $ 168,000 | $ 168,000 | $ 192,000 |
| Niles-Benton Harbor, MI | 1 | $ 98,000 | $ 98,000 | $ 29,000 |
| Oshkosh-Neenah, WI | 1 | $ 100,000 | $ 100,000 | $ 0 |
| San Angelo, TX | 1 | $ 115,000 | $ 115,000 | $ 44,000 |
| Sandusky, OH | 1 | $ 160,000 | $ 160,000 | $ 63,000 |
| Sioux City, IA-NE-SD | 1 | $ 51,000 | $ 51,000 | $ 0 |
| Terre Haute, IN | 1 | $ 88,000 | $ 88,000 | $ 46,000 |
| Topeka, KS | 1 | $ 63,000 | $ 63,000 | $ 64,000 |
| Tuscaloosa, AL | 1 | $ 63,000 | $ 63,000 | $ 13,000 |
| Valdosta, GA | 1 | $ 113,000 | $ 113,000 | $ 0 |
| Victoria, TX | 1 | $ 77,000 | $ 77,000 | $ 32,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 76,000 | $ 76,000 | $ 56,000 |
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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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