Home Point Financial Corporation
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009
Home Point Financial Corporation 2009 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Home Point Financial Corporation 1194 Oak Valley Drive, Suite 80 Ann Arbor, MI 48108 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 |
| Total Number of Mortgage Applications | 2,432 |
| Total Mortgage Loan Application Amount | $614,238,000 |
| Average Mortgage Loan Application Amount | $237,666 |
| Highest Mortgage Loan Application Amount | $743,000 |
| Average Applicant Income | $71,666 |
| Highest Applicant Income | $578,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2009 with Home Point Financial Corporation. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Home Point Financial Corporation's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2009 breaks down Home Point Financial Corporation's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Home Point Financial Corporation serves its applicants.
Each category highlights the total number of mortgage applications processed by Home Point Financial Corporation, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Home Point Financial Corporation's mortgage activity for 2009.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Providence County Rhode Island | 221 | $ 49,172,000 | $ 222,000 | $ 59,000 |
| Hartford County Connecticut | 176 | $ 36,449,000 | $ 207,000 | $ 64,000 |
| New Haven County Connecticut | 94 | $ 19,430,000 | $ 206,000 | $ 58,000 |
| Kent County Rhode Island | 77 | $ 17,947,000 | $ 233,000 | $ 68,000 |
| Middlesex County Massachusetts | 73 | $ 23,015,000 | $ 315,000 | $ 78,000 |
| Middlesex County New Jersey | 72 | $ 22,710,000 | $ 315,000 | $ 89,000 |
| Essex County New Jersey | 70 | $ 19,672,000 | $ 281,000 | $ 82,000 |
| Bergen County New Jersey | 67 | $ 24,883,000 | $ 371,000 | $ 99,000 |
| Ocean County New Jersey | 63 | $ 19,228,000 | $ 305,000 | $ 78,000 |
| Fairfield County Connecticut | 57 | $ 15,364,000 | $ 269,000 | $ 84,000 |
| Hudson County New Jersey | 53 | $ 17,191,000 | $ 324,000 | $ 80,000 |
| Passaic County New Jersey | 46 | $ 14,204,000 | $ 308,000 | $ 73,000 |
| Worcester County Massachusetts | 45 | $ 10,899,000 | $ 242,000 | $ 75,000 |
| Bristol County Massachusetts | 43 | $ 10,160,000 | $ 236,000 | $ 58,000 |
| Essex County Massachusetts | 41 | $ 12,255,000 | $ 298,000 | $ 71,000 |
| Norfolk County Massachusetts | 39 | $ 12,846,000 | $ 329,000 | $ 85,000 |
| Washington County Rhode Island | 38 | $ 11,739,000 | $ 308,000 | $ 84,000 |
| Monmouth County New Jersey | 37 | $ 11,255,000 | $ 304,000 | $ 99,000 |
| Morris County New Jersey | 36 | $ 12,293,000 | $ 341,000 | $ 84,000 |
| Camden County New Jersey | 35 | $ 5,995,000 | $ 171,000 | $ 49,000 |
| Union County New Jersey | 33 | $ 9,482,000 | $ 287,000 | $ 77,000 |
| Middlesex County Connecticut | 29 | $ 6,939,000 | $ 239,000 | $ 68,000 |
| New London County Connecticut | 29 | $ 6,755,000 | $ 232,000 | $ 71,000 |
| Hampden County Massachusetts | 29 | $ 5,394,000 | $ 186,000 | $ 54,000 |
| Plymouth County Massachusetts | 29 | $ 8,525,000 | $ 293,000 | $ 77,000 |
| Burlington County New Jersey | 25 | $ 6,496,000 | $ 259,000 | $ 78,000 |
| Litchfield County Connecticut | 23 | $ 5,606,000 | $ 243,000 | $ 67,000 |
| Los Angeles County California | 20 | $ 6,238,000 | $ 311,000 | $ 72,000 |
| Windham County Connecticut | 19 | $ 3,939,000 | $ 207,000 | $ 53,000 |
| Suffolk County Massachusetts | 19 | $ 6,064,000 | $ 319,000 | $ 84,000 |
| Rockingham County New Hampshire | 19 | $ 5,033,000 | $ 264,000 | $ 75,000 |
| Gloucester County New Jersey | 19 | $ 4,757,000 | $ 250,000 | $ 88,000 |
| Baltimore County Maryland | 18 | $ 3,913,000 | $ 217,000 | $ 59,000 |
| Prince George's County Maryland | 18 | $ 5,181,000 | $ 287,000 | $ 80,000 |
| Hillsborough County New Hampshire | 18 | $ 4,213,000 | $ 234,000 | $ 61,000 |
| Montgomery County Pennsylvania | 17 | $ 3,997,000 | $ 235,000 | $ 75,000 |
| Bristol County Rhode Island | 17 | $ 4,354,000 | $ 256,000 | $ 66,000 |
| Newport County Rhode Island | 17 | $ 5,157,000 | $ 303,000 | $ 76,000 |
| Miami-Dade County Florida | 16 | $ 2,813,000 | $ 175,000 | $ 51,000 |
| Somerset County New Jersey | 16 | $ 5,998,000 | $ 374,000 | $ 125,000 |
| Tolland County Connecticut | 15 | $ 3,749,000 | $ 249,000 | $ 67,000 |
| Anne Arundel County Maryland | 15 | $ 4,443,000 | $ 296,000 | $ 86,000 |
| Palm Beach County Florida | 14 | $ 2,052,000 | $ 146,000 | $ 44,000 |
| Sussex County New Jersey | 14 | $ 3,161,000 | $ 225,000 | $ 67,000 |
| Monroe County Pennsylvania | 13 | $ 2,519,000 | $ 193,000 | $ 61,000 |
| Duval County Florida | 12 | $ 1,969,000 | $ 164,000 | $ 55,000 |
| York County Maine | 12 | $ 2,498,000 | $ 208,000 | $ 65,000 |
| Montgomery County Maryland | 12 | $ 4,225,000 | $ 352,000 | $ 90,000 |
| Mercer County New Jersey | 12 | $ 3,358,000 | $ 279,000 | $ 114,000 |
| Chester County Pennsylvania | 12 | $ 2,754,000 | $ 229,000 | $ 82,000 |
| New Castle County Delaware | 11 | $ 2,482,000 | $ 225,000 | $ 72,000 |
| Broward County Florida | 11 | $ 2,540,000 | $ 230,000 | $ 84,000 |
| Atlantic County New Jersey | 11 | $ 2,445,000 | $ 222,000 | $ 43,000 |
| Allegheny County Pennsylvania | 11 | $ 2,238,000 | $ 203,000 | $ 81,000 |
| Berks County Pennsylvania | 11 | $ 2,303,000 | $ 209,000 | $ 70,000 |
| Lehigh County Pennsylvania | 11 | $ 2,057,000 | $ 187,000 | $ 54,000 |
| Philadelphia County Pennsylvania | 11 | $ 2,105,000 | $ 191,000 | $ 55,000 |
| Penobscot County Maine | 10 | $ 1,946,000 | $ 194,000 | $ 61,000 |
| Frederick County Maryland | 10 | $ 2,821,000 | $ 282,000 | $ 105,000 |
| Barnstable County Massachusetts | 10 | $ 3,390,000 | $ 339,000 | $ 65,000 |
| Luzerne County Pennsylvania | 10 | $ 1,419,000 | $ 141,000 | $ 60,000 |
| Cumberland County Maine | 8 | $ 1,815,000 | $ 226,000 | $ 55,000 |
| Lancaster County Pennsylvania | 8 | $ 1,623,000 | $ 202,000 | $ 72,000 |
| Cecil County Maryland | 7 | $ 1,461,000 | $ 208,000 | $ 100,000 |
| Delaware County Pennsylvania | 7 | $ 1,428,000 | $ 204,000 | $ 59,000 |
| San Diego County California | 6 | $ 1,589,000 | $ 264,000 | $ 76,000 |
| Baltimore City County Maryland | 6 | $ 1,172,000 | $ 195,000 | $ 49,000 |
| Harford County Maryland | 6 | $ 1,674,000 | $ 279,000 | $ 89,000 |
| Howard County Maryland | 6 | $ 1,267,000 | $ 211,000 | $ 95,000 |
| Cheshire County New Hampshire | 6 | $ 1,278,000 | $ 213,000 | $ 55,000 |
| Strafford County New Hampshire | 6 | $ 1,558,000 | $ 259,000 | $ 93,000 |
| Sullivan County New Hampshire | 6 | $ 934,000 | $ 155,000 | $ 59,000 |
| Cape May County New Jersey | 6 | $ 1,757,000 | $ 292,000 | $ 49,000 |
| Bucks County Pennsylvania | 6 | $ 1,761,000 | $ 293,000 | $ 80,000 |
| Lackawanna County Pennsylvania | 6 | $ 1,026,000 | $ 171,000 | $ 70,000 |
| Northampton County Pennsylvania | 6 | $ 1,612,000 | $ 268,000 | $ 73,000 |
| Pike County Pennsylvania | 6 | $ 1,539,000 | $ 256,000 | $ 64,000 |
| Kent County Delaware | 5 | $ 1,047,000 | $ 209,000 | $ 80,000 |
| Charles County Maryland | 5 | $ 1,384,000 | $ 276,000 | $ 79,000 |
| Grafton County New Hampshire | 5 | $ 1,005,000 | $ 201,000 | $ 63,000 |
| Hunterdon County New Jersey | 5 | $ 1,724,000 | $ 344,000 | $ 128,000 |
| Warren County New Jersey | 5 | $ 1,120,000 | $ 224,000 | $ 67,000 |
| Fairfax County Virginia | 5 | $ 1,752,000 | $ 350,000 | $ 122,000 |
| Riverside County California | 4 | $ 1,359,000 | $ 339,000 | $ 96,000 |
| Orange County Florida | 4 | $ 546,000 | $ 136,000 | $ 42,000 |
| Polk County Florida | 4 | $ 553,000 | $ 138,000 | $ 53,000 |
| Waldo County Maine | 4 | $ 616,000 | $ 154,000 | $ 42,000 |
| Berkshire County Massachusetts | 4 | $ 603,000 | $ 150,000 | $ 33,000 |
| Hampshire County Massachusetts | 4 | $ 760,000 | $ 190,000 | $ 55,000 |
| Cumberland County New Jersey | 4 | $ 561,000 | $ 140,000 | $ 69,000 |
| Blair County Pennsylvania | 4 | $ 528,000 | $ 132,000 | $ 51,000 |
| Dauphin County Pennsylvania | 4 | $ 727,000 | $ 181,000 | $ 139,000 |
| Franklin County Pennsylvania | 4 | $ 596,000 | $ 149,000 | $ 48,000 |
| Perry County Pennsylvania | 4 | $ 954,000 | $ 238,000 | $ 108,000 |
| York County Pennsylvania | 4 | $ 735,000 | $ 183,000 | $ 66,000 |
| Chesterfield County Virginia | 4 | $ 925,000 | $ 231,000 | $ 105,000 |
| San Bernardino County California | 3 | $ 980,000 | $ 326,000 | $ 95,000 |
| Sussex County Delaware | 3 | $ 626,000 | $ 208,000 | $ 78,000 |
| Clay County Florida | 3 | $ 442,000 | $ 147,000 | $ 41,000 |
| Hillsborough County Florida | 3 | $ 474,000 | $ 158,000 | $ 48,000 |
| Pinellas County Florida | 3 | $ 685,000 | $ 228,000 | $ 78,000 |
| Androscoggin County Maine | 3 | $ 483,000 | $ 161,000 | $ 61,000 |
| Hancock County Maine | 3 | $ 536,000 | $ 178,000 | $ 70,000 |
| Sagadahoc County Maine | 3 | $ 418,000 | $ 139,000 | $ 46,000 |
| Calvert County Maryland | 3 | $ 882,000 | $ 294,000 | $ 72,000 |
| Carroll County Maryland | 3 | $ 1,006,000 | $ 335,000 | $ 75,000 |
| St. Mary's County Maryland | 3 | $ 666,000 | $ 222,000 | $ 62,000 |
| Franklin County Massachusetts | 3 | $ 636,000 | $ 212,000 | $ 55,000 |
| Belknap County New Hampshire | 3 | $ 613,000 | $ 204,000 | $ 63,000 |
| Carroll County New Hampshire | 3 | $ 687,000 | $ 229,000 | $ 105,000 |
| Merrimack County New Hampshire | 3 | $ 794,000 | $ 264,000 | $ 87,000 |
| Adams County Pennsylvania | 3 | $ 991,000 | $ 330,000 | $ 82,000 |
| Bradford County Pennsylvania | 3 | $ 564,000 | $ 188,000 | $ 82,000 |
| Clearfield County Pennsylvania | 3 | $ 510,000 | $ 170,000 | $ 57,000 |
| Cumberland County Pennsylvania | 3 | $ 600,000 | $ 200,000 | $ 79,000 |
| Erie County Pennsylvania | 3 | $ 507,000 | $ 169,000 | $ 55,000 |
| Lebanon County Pennsylvania | 3 | $ 450,000 | $ 150,000 | $ 57,000 |
| Schuylkill County Pennsylvania | 3 | $ 625,000 | $ 208,000 | $ 64,000 |
| Washington County Pennsylvania | 3 | $ 613,000 | $ 204,000 | $ 60,000 |
| Wayne County Pennsylvania | 3 | $ 489,000 | $ 163,000 | $ 78,000 |
| Westmoreland County Pennsylvania | 3 | $ 450,000 | $ 150,000 | $ 55,000 |
| Loudoun County Virginia | 3 | $ 782,000 | $ 260,000 | $ 72,000 |
| Orange County California | 2 | $ 860,000 | $ 430,000 | $ 82,000 |
| Ventura County California | 2 | $ 810,000 | $ 405,000 | $ 77,000 |
| Charlotte County Florida | 2 | $ 251,000 | $ 125,000 | $ 58,000 |
| Citrus County Florida | 2 | $ 465,000 | $ 232,000 | $ 73,000 |
| Collier County Florida | 2 | $ 583,000 | $ 291,000 | $ 234,000 |
| Lee County Florida | 2 | $ 486,000 | $ 243,000 | $ 134,000 |
| St. Johns County Florida | 2 | $ 353,000 | $ 176,000 | $ 39,000 |
| Kennebec County Maine | 2 | $ 365,000 | $ 182,000 | $ 53,000 |
| Knox County Maine | 2 | $ 345,000 | $ 172,000 | $ 50,000 |
| Oxford County Maine | 2 | $ 335,000 | $ 167,000 | $ 44,000 |
| Piscataquis County Maine | 2 | $ 403,000 | $ 201,000 | $ 83,000 |
| Somerset County Maine | 2 | $ 509,000 | $ 254,000 | $ 63,000 |
| Allegany County Maryland | 2 | $ 376,000 | $ 188,000 | $ 71,000 |
| Talbot County Maryland | 2 | $ 507,000 | $ 253,000 | $ 75,000 |
| Worcester County Maryland | 2 | $ 360,000 | $ 180,000 | $ 70,000 |
| Salem County New Jersey | 2 | $ 374,000 | $ 187,000 | $ 99,000 |
| Butler County Pennsylvania | 2 | $ 287,000 | $ 143,000 | $ 30,000 |
| Cambria County Pennsylvania | 2 | $ 285,000 | $ 142,000 | $ 51,000 |
| Lawrence County Pennsylvania | 2 | $ 341,000 | $ 170,000 | $ 63,000 |
| Mercer County Pennsylvania | 2 | $ 314,000 | $ 157,000 | $ 67,000 |
| Snyder County Pennsylvania | 2 | $ 322,000 | $ 161,000 | $ 47,000 |
| Susquehanna County Pennsylvania | 2 | $ 266,000 | $ 133,000 | $ 39,000 |
| Greenville County South Carolina | 2 | $ 312,000 | $ 156,000 | $ 67,000 |
| Portsmouth County Virginia | 2 | $ 388,000 | $ 194,000 | $ 57,000 |
| Spotsylvania County Virginia | 2 | $ 545,000 | $ 272,000 | $ 55,000 |
| Clarke County Alabama | 1 | $ 222,000 | $ 222,000 | $ 90,000 |
| Mobile County Alabama | 1 | $ 145,000 | $ 145,000 | $ 72,000 |
| Monterey County California | 1 | $ 75,000 | $ 75,000 | $ 34,000 |
| San Francisco County California | 1 | $ 417,000 | $ 417,000 | $ 69,000 |
| District of Columbia County District Of Columbia | 1 | $ 206,000 | $ 206,000 | $ 44,000 |
| Marion County Florida | 1 | $ 180,000 | $ 180,000 | $ 53,000 |
| Martin County Florida | 1 | $ 236,000 | $ 236,000 | $ 60,000 |
| Nassau County Florida | 1 | $ 169,000 | $ 169,000 | $ 89,000 |
| Osceola County Florida | 1 | $ 94,000 | $ 94,000 | $ 46,000 |
| Pasco County Florida | 1 | $ 95,000 | $ 95,000 | $ 25,000 |
| Seminole County Florida | 1 | $ 154,000 | $ 154,000 | $ 30,000 |
| St. Lucie County Florida | 1 | $ 212,000 | $ 212,000 | $ 30,000 |
| Volusia County Florida | 1 | $ 164,000 | $ 164,000 | $ 40,000 |
| Lincoln County Maine | 1 | $ 146,000 | $ 146,000 | $ 73,000 |
| Queen Anne's County Maryland | 1 | $ 270,000 | $ 270,000 | $ 85,000 |
| Somerset County Maryland | 1 | $ 146,000 | $ 146,000 | $ 68,000 |
| Washington County Maryland | 1 | $ 298,000 | $ 298,000 | $ 46,000 |
| Wicomico County Maryland | 1 | $ 278,000 | $ 278,000 | $ 111,000 |
| Coos County New Hampshire | 1 | $ 252,000 | $ 252,000 | $ 82,000 |
| Orange County New York | 1 | $ 320,000 | $ 320,000 | $ 117,000 |
| Rensselaer County New York | 1 | $ 298,000 | $ 298,000 | $ 18,000 |
| Richmond County New York | 1 | $ 363,000 | $ 363,000 | $ 120,000 |
| Rockland County New York | 1 | $ 257,000 | $ 257,000 | $ 93,000 |
| Washington County New York | 1 | $ 187,000 | $ 187,000 | $ 52,000 |
| Westchester County New York | 1 | $ 543,000 | $ 543,000 | $ 118,000 |
| Butler County Ohio | 1 | $ 229,000 | $ 229,000 | $ 43,000 |
| Jefferson County Ohio | 1 | $ 97,000 | $ 97,000 | $ 26,000 |
| Washington County Ohio | 1 | $ 132,000 | $ 132,000 | $ 43,000 |
| Armstrong County Pennsylvania | 1 | $ 200,000 | $ 200,000 | $ 94,000 |
| Beaver County Pennsylvania | 1 | $ 181,000 | $ 181,000 | $ 69,000 |
| Centre County Pennsylvania | 1 | $ 160,000 | $ 160,000 | $ 76,000 |
| Clarion County Pennsylvania | 1 | $ 180,000 | $ 180,000 | $ 54,000 |
| Clinton County Pennsylvania | 1 | $ 135,000 | $ 135,000 | $ 30,000 |
| Indiana County Pennsylvania | 1 | $ 272,000 | $ 272,000 | $ 116,000 |
| McKean County Pennsylvania | 1 | $ 80,000 | $ 80,000 | $ 15,000 |
| Northumberland County Pennsylvania | 1 | $ 118,000 | $ 118,000 | $ 33,000 |
| Union County Pennsylvania | 1 | $ 216,000 | $ 216,000 | $ 115,000 |
| Wyoming County Pennsylvania | 1 | $ 268,000 | $ 268,000 | $ 133,000 |
| Shelby County Tennessee | 1 | $ 70,000 | $ 70,000 | $ 38,000 |
| Windham County Vermont | 1 | $ 195,000 | $ 195,000 | $ 48,000 |
| Bristol County Virginia | 1 | $ 135,000 | $ 135,000 | $ 39,000 |
| Brunswick County Virginia | 1 | $ 92,000 | $ 92,000 | $ 64,000 |
| Fauquier County Virginia | 1 | $ 225,000 | $ 225,000 | $ 146,000 |
| Frederick County Virginia | 1 | $ 317,000 | $ 317,000 | $ 100,000 |
| Hampton County Virginia | 1 | $ 172,000 | $ 172,000 | $ 30,000 |
| Harrisonburg County Virginia | 1 | $ 260,000 | $ 260,000 | $ 20,000 |
| Henrico County Virginia | 1 | $ 100,000 | $ 100,000 | $ 21,000 |
| Louisa County Virginia | 1 | $ 268,000 | $ 268,000 | $ 48,000 |
| Norfolk County Virginia | 1 | $ 305,000 | $ 305,000 | $ 59,000 |
| Pittsylvania County Virginia | 1 | $ 131,000 | $ 131,000 | $ 52,000 |
| Powhatan County Virginia | 1 | $ 323,000 | $ 323,000 | $ 136,000 |
| Prince George County Virginia | 1 | $ 151,000 | $ 151,000 | $ 76,000 |
| Prince William County Virginia | 1 | $ 323,000 | $ 323,000 | $ 90,000 |
| Richmond City County Virginia | 1 | $ 143,000 | $ 143,000 | $ 27,000 |
| Stafford County Virginia | 1 | $ 369,000 | $ 369,000 | $ 176,000 |
| Staunton County Virginia | 1 | $ 169,000 | $ 169,000 | $ 30,000 |
| Sussex County Virginia | 1 | $ 125,000 | $ 125,000 | $ 48,000 |
| Virginia Beach County Virginia | 1 | $ 280,000 | $ 280,000 | $ 66,000 |
| Washington County Virginia | 1 | $ 115,000 | $ 115,000 | $ 24,000 |
Mortgage Loan Application Detail Totals for Home Point Financial Corporation in 2009
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 | 1,926 | $503,316,000 | $261,000 | $743,000 | $75,000 | $578,000 |
| Home Purchase | 489 | $106,928,000 | $218,000 | $696,000 | $60,000 | $427,000 |
| Home Improvement | 17 | $3,994,000 | $234,000 | $550,000 | $80,000 | $167,000 |
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 | 1,551 | $401,666,000 | $258,000 | $743,000 | $76,000 | $578,000 |
| Not Provided | 439 | $108,055,000 | $246,000 | $706,000 | $70,000 | $296,000 |
| Hispanic | 221 | $50,371,000 | $227,000 | $696,000 | $58,000 | $445,000 |
| Black or African American | 171 | $40,024,000 | $234,000 | $507,000 | $63,000 | $186,000 |
| Asian | 41 | $11,540,000 | $281,000 | $548,000 | $76,000 | $232,000 |
| American Indian or Alaskan Native | 5 | $1,199,000 | $239,000 | $415,000 | $71,000 | $117,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $1,383,000 | $345,000 | $652,000 | $63,000 | $124,000 |
| 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 2,127 | $542,445,000 | $255,000 | $743,000 | $70,000 | $561,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 305 | $71,793,000 | $235,000 | $724,000 | $84,000 | $578,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 1,654 | $419,284,000 | $253,000 | $743,000 | $72,000 | $561,000 |
| Application Denied By Financial Institution | 611 | $149,191,000 | $244,000 | $724,000 | $67,000 | $578,000 |
| Application Withdrawn By Applicant | 131 | $36,533,000 | $278,000 | $743,000 | $88,000 | $427,000 |
| Application Approved But Not Accepted | 35 | $8,986,000 | $256,000 | $512,000 | $81,000 | $233,000 |
| File Closed For Incompleteness | 1 | $244,000 | $244,000 | $244,000 | $30,000 | $30,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 196 | $48,629,000 | $248,000 | $680,000 | $69,000 | $264,000 |
| Debt-To-Income Ratio | 158 | $36,762,000 | $232,000 | $696,000 | $58,000 | $190,000 |
| Collateral | 88 | $22,460,000 | $255,000 | $724,000 | $79,000 | $445,000 |
| Credit History | 68 | $16,912,000 | $248,000 | $650,000 | $71,000 | $438,000 |
| Unverifiable Information | 28 | $6,558,000 | $234,000 | $527,000 | $81,000 | $578,000 |
| Employment History | 18 | $4,558,000 | $253,000 | $589,000 | $57,000 | $126,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $1,973,000 | $197,000 | $362,000 | $46,000 | $99,000 |
| Credit Application Incomplete | 4 | $940,000 | $235,000 | $434,000 | $100,000 | $196,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Home Point Financial Corporation's 2009 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 Home Point Financial Corporation'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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