Home Point Financial Corporation Mortgage Lending & HMDA Data, 2012
In 2012, Home Point Financial Corporation of Ann Arbor, MI reported 11,146 mortgage applications totaling $2.3 billion, up 76% from 2011. The average application was for $210,178, and applicants reported an average income of $78,213. 24% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Providence-New Bedford-Fall River, RI-MA (1,525), Edison-New Brunswick, NJ (634) and Newark-Union, NJ-PA (572) (applications in parentheses).
| 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 | 11,146 |
| Total Mortgage Loan Application Amount | $2,342,654,000 |
| Average Mortgage Loan Application Amount | $210,178 |
| Highest Mortgage Loan Application Amount | $965,000 |
| Average Applicant Income | $78,213 |
| Highest Applicant Income | $1,235,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Home Point Financial Corporation filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Providence-New Bedford-Fall River, RI-MA | 1,525 | $ 307,740,000 | $ 201,796 | $ 73,322 |
| Edison-New Brunswick, NJ | 634 | $ 162,634,000 | $ 256,520 | $ 91,000 |
| Newark-Union, NJ-PA | 572 | $ 149,363,000 | $ 261,124 | $ 94,055 |
| Boston-Quincy, MA | 385 | $ 99,499,000 | $ 258,438 | $ 82,000 |
| Philadelphia, PA | 331 | $ 61,195,000 | $ 184,879 | $ 73,000 |
| Baltimore-Towson, MD | 316 | $ 68,398,000 | $ 216,449 | $ 78,000 |
| New York-White Plains-Wayne, NY-NJ | 312 | $ 91,408,000 | $ 292,974 | $ 97,032 |
| Cambridge-Newton-Framingham, MA | 285 | $ 77,530,000 | $ 272,035 | $ 85,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 279 | $ 69,087,000 | $ 247,623 | $ 93,584 |
| Indianapolis-Carmel, IN | 260 | $ 40,950,000 | $ 157,500 | $ 70,000 |
| Camden, NJ | 201 | $ 40,728,000 | $ 202,626 | $ 83,000 |
| Manchester-Nashua, NH | 177 | $ 36,441,000 | $ 205,881 | $ 78,000 |
| Worcester, MA | 176 | $ 36,501,000 | $ 207,392 | $ 76,000 |
| Rockingham County-Strafford County, NH | 169 | $ 36,529,000 | $ 216,147 | $ 84,000 |
| Gary, IN | 168 | $ 31,247,000 | $ 185,994 | $ 77,000 |
| Tampa-St. Petersburg-Clearwater, FL | 159 | $ 28,796,000 | $ 181,106 | $ 85,000 |
| Bethesda-Rockville-Frederick, MD | 138 | $ 38,885,000 | $ 281,775 | $ 85,000 |
| Orlando-Kissimmee-Sanford, FL | 128 | $ 26,750,000 | $ 208,984 | $ 88,000 |
| Peabody, MA | 125 | $ 30,876,000 | $ 247,008 | $ 77,000 |
| Los Angeles-Long Beach-Glendale, CA | 124 | $ 32,139,000 | $ 259,185 | $ 74,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 123 | $ 24,386,000 | $ 198,260 | $ 70,414 |
| Hartford-West Hartford-East Hartford, CT | 123 | $ 24,731,000 | $ 201,065 | $ 74,000 |
| Springfield, MA | 98 | $ 17,912,000 | $ 182,775 | $ 63,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 92 | $ 18,302,000 | $ 198,934 | $ 72,000 |
| Wilmington, DE-MD-NJ | 92 | $ 18,114,000 | $ 196,891 | $ 70,217 |
| Pittsburgh, PA | 84 | $ 13,518,000 | $ 160,928 | $ 69,000 |
| Bridgeport-Stamford-Norwalk, CT | 71 | $ 21,036,000 | $ 296,281 | $ 101,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 61 | $ 13,244,000 | $ 217,114 | $ 71,606 |
| New Haven-Milford, CT | 58 | $ 12,850,000 | $ 221,551 | $ 79,000 |
| Cincinnati-Middletown, OH-KY-IN | 57 | $ 9,714,000 | $ 170,421 | $ 72,473 |
| Cleveland-Elyria-Mentor, OH | 56 | $ 8,130,000 | $ 145,178 | $ 68,000 |
| Barnstable Town, MA | 55 | $ 14,330,000 | $ 260,545 | $ 95,000 |
| Harrisburg-Carlisle, PA | 54 | $ 8,937,000 | $ 165,500 | $ 73,000 |
| Riverside-San Bernardino-Ontario, CA | 54 | $ 10,506,000 | $ 194,555 | $ 58,000 |
| York-Hanover, PA | 54 | $ 10,128,000 | $ 187,555 | $ 72,000 |
| Atlanta-Sandy Springs-Marietta, GA | 53 | $ 10,828,000 | $ 204,301 | $ 78,000 |
| Louisville/Jefferson County, KY-IN | 53 | $ 9,097,000 | $ 171,641 | $ 60,320 |
| Atlantic City-Hammonton, NJ | 51 | $ 9,459,000 | $ 185,470 | $ 71,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 51 | $ 7,857,000 | $ 154,058 | $ 85,588 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 49 | $ 10,048,000 | $ 205,061 | $ 74,000 |
| Portland-South Portland-Biddeford, ME | 46 | $ 9,071,000 | $ 197,195 | $ 71,000 |
| Trenton-Ewing, NJ | 44 | $ 9,770,000 | $ 222,045 | $ 87,000 |
| Fort Wayne, IN | 40 | $ 5,717,000 | $ 142,925 | $ 62,000 |
| Lakeland-Winter Haven, FL | 40 | $ 5,985,000 | $ 149,625 | $ 66,000 |
| Columbus, OH | 38 | $ 5,664,000 | $ 149,052 | $ 74,000 |
| Burlington-South Burlington, VT | 36 | $ 7,361,000 | $ 204,472 | $ 63,000 |
| Lancaster, PA | 36 | $ 6,214,000 | $ 172,611 | $ 74,000 |
| Jacksonville, FL | 35 | $ 6,222,000 | $ 177,771 | $ 74,000 |
| Miami-Miami Beach-Kendall, FL | 33 | $ 7,822,000 | $ 237,030 | $ 94,000 |
| Norwich-New London, CT | 32 | $ 6,901,000 | $ 215,656 | $ 83,000 |
| Evansville, IN-KY | 31 | $ 4,798,000 | $ 154,774 | $ 65,322 |
| Richmond, VA | 31 | $ 5,766,000 | $ 186,000 | $ 81,000 |
| Lafayette, IN | 27 | $ 4,068,000 | $ 150,666 | $ 61,000 |
| Ocean City, NJ | 27 | $ 5,956,000 | $ 220,592 | $ 91,000 |
| Warren-Troy-Farmington Hills, MI | 27 | $ 4,737,000 | $ 175,444 | $ 74,000 |
| Houston-Sugar Land-Baytown, TX | 26 | $ 1,911,000 | $ 73,500 | $ 69,000 |
| North Port-Bradenton-Sarasota, FL | 26 | $ 5,478,000 | $ 210,692 | $ 83,000 |
| Scranton--Wilkes-Barre, PA | 26 | $ 3,993,000 | $ 153,576 | $ 60,000 |
| Hagerstown-Martinsburg, MD-WV | 25 | $ 4,538,000 | $ 181,520 | $ 69,720 |
| Reading, PA | 25 | $ 4,548,000 | $ 181,920 | $ 78,000 |
| South Bend-Mishawaka, IN-MI | 25 | $ 3,497,000 | $ 139,880 | $ 70,000 |
| Vineland-Millville-Bridgeton, NJ | 25 | $ 4,296,000 | $ 171,840 | $ 72,000 |
| Santa Ana-Anaheim-Irvine, CA | 24 | $ 7,226,000 | $ 301,083 | $ 91,000 |
| Elkhart-Goshen, IN | 22 | $ 3,166,000 | $ 143,909 | $ 58,000 |
| Palm Bay-Melbourne-Titusville, FL | 21 | $ 3,821,000 | $ 181,952 | $ 74,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 21 | $ 3,539,000 | $ 168,523 | $ 83,000 |
| Dover, DE | 20 | $ 3,256,000 | $ 162,800 | $ 57,000 |
| Chicago-Joliet-Naperville, IL | 19 | $ 2,726,000 | $ 143,473 | $ 75,000 |
| Dallas-Plano-Irving, TX | 17 | $ 1,382,000 | $ 81,294 | $ 75,000 |
| Fresno, CA | 17 | $ 3,458,000 | $ 203,411 | $ 71,000 |
| Port St. Lucie, FL | 16 | $ 3,351,000 | $ 209,437 | $ 85,000 |
| Cape Coral-Fort Myers, FL | 14 | $ 2,712,000 | $ 193,714 | $ 90,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 14 | $ 2,579,000 | $ 184,214 | $ 83,000 |
| Salem, OR | 14 | $ 2,101,000 | $ 150,071 | $ 60,000 |
| Akron, OH | 13 | $ 2,028,000 | $ 156,000 | $ 76,000 |
| Bloomington, IN | 13 | $ 2,131,000 | $ 163,923 | $ 72,000 |
| Toledo, OH | 13 | $ 1,876,000 | $ 144,307 | $ 62,000 |
| Kokomo, IN | 12 | $ 1,772,000 | $ 147,666 | $ 57,000 |
| Salisbury, MD | 12 | $ 2,008,000 | $ 167,333 | $ 71,000 |
| Anderson, IN | 11 | $ 1,600,000 | $ 145,454 | $ 71,000 |
| Dayton, OH | 11 | $ 1,722,000 | $ 156,545 | $ 74,000 |
| Fort Worth-Arlington, TX | 11 | $ 574,000 | $ 52,181 | $ 65,000 |
| Lebanon, PA | 11 | $ 1,803,000 | $ 163,909 | $ 60,000 |
| Michigan City-La Porte, IN | 11 | $ 1,956,000 | $ 177,818 | $ 52,000 |
| Bangor, ME | 10 | $ 1,610,000 | $ 161,000 | $ 54,000 |
| Charleston-North Charleston-Summerville, SC | 10 | $ 1,660,000 | $ 166,000 | $ 73,000 |
| Columbus, IN | 10 | $ 1,539,000 | $ 153,900 | $ 76,000 |
| Greensboro-High Point, NC | 10 | $ 1,001,000 | $ 100,100 | $ 58,000 |
| Lewiston-Auburn, ME | 10 | $ 1,671,000 | $ 167,100 | $ 61,000 |
| Lexington-Fayette, KY | 10 | $ 1,444,000 | $ 144,400 | $ 45,000 |
| Muncie, IN | 10 | $ 1,318,000 | $ 131,800 | $ 72,000 |
| Raleigh-Cary, NC | 10 | $ 1,720,000 | $ 172,000 | $ 88,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 10 | $ 2,622,000 | $ 262,200 | $ 89,000 |
| State College, PA | 10 | $ 1,626,000 | $ 162,600 | $ 51,000 |
| Terre Haute, IN | 10 | $ 1,547,000 | $ 154,700 | $ 74,000 |
| Bend, OR | 9 | $ 1,566,000 | $ 174,000 | $ 103,000 |
| Greenville-Mauldin-Easley, SC | 9 | $ 1,443,000 | $ 160,333 | $ 81,000 |
| Pensacola-Ferry Pass-Brent, FL | 9 | $ 1,396,000 | $ 155,111 | $ 61,000 |
| San Diego-Carlsbad-San Marcos, CA | 9 | $ 3,035,000 | $ 337,222 | $ 129,000 |
| Vallejo-Fairfield, CA | 9 | $ 2,759,000 | $ 306,555 | $ 94,000 |
| Bay City, MI | 8 | $ 744,000 | $ 93,000 | $ 48,000 |
| Canton-Massillon, OH | 8 | $ 987,000 | $ 123,375 | $ 55,000 |
| Detroit-Livonia-Dearborn, MI | 8 | $ 1,008,000 | $ 126,000 | $ 77,000 |
| Medford, OR | 8 | $ 1,271,000 | $ 158,875 | $ 47,000 |
| Oakland-Fremont-Hayward, CA | 8 | $ 2,812,000 | $ 351,500 | $ 99,000 |
| Ocala, FL | 8 | $ 1,728,000 | $ 216,000 | $ 112,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 8 | $ 1,726,000 | $ 215,750 | $ 92,000 |
| Pittsfield, MA | 8 | $ 1,355,000 | $ 169,375 | $ 58,000 |
| Tacoma, WA | 8 | $ 1,569,000 | $ 196,125 | $ 61,000 |
| Youngstown-Warren-Boardman, OH-PA | 8 | $ 1,265,000 | $ 158,125 | $ 58,500 |
| Cumberland, MD-WV | 7 | $ 1,106,000 | $ 158,000 | $ 48,857 |
| Erie, PA | 7 | $ 1,023,000 | $ 146,142 | $ 52,000 |
| Gainesville, FL | 7 | $ 713,000 | $ 101,857 | $ 83,000 |
| Memphis, TN-MS-AR | 7 | $ 782,000 | $ 111,714 | $ 50,000 |
| San Antonio-New Braunfels, TX | 7 | $ 659,000 | $ 94,142 | $ 63,000 |
| Seattle-Bellevue-Everett, WA | 7 | $ 1,758,000 | $ 251,142 | $ 89,000 |
| Sebastian-Vero Beach, FL | 7 | $ 1,389,000 | $ 198,428 | $ 74,000 |
| Williamsport, PA | 7 | $ 934,000 | $ 133,428 | $ 60,000 |
| Crestview-Fort Walton Beach-Destin, FL | 6 | $ 1,304,000 | $ 217,333 | $ 105,000 |
| Eugene-Springfield, OR | 6 | $ 1,303,000 | $ 217,166 | $ 83,000 |
| Johnstown, PA | 6 | $ 906,000 | $ 151,000 | $ 65,000 |
| Lynchburg, VA | 6 | $ 583,000 | $ 97,166 | $ 60,000 |
| Naples-Marco Island, FL | 6 | $ 1,518,000 | $ 253,000 | $ 85,000 |
| Punta Gorda, FL | 6 | $ 1,138,000 | $ 189,666 | $ 71,000 |
| Roanoke, VA | 6 | $ 894,000 | $ 149,000 | $ 71,000 |
| Austin-Round Rock-San Marcos, TX | 5 | $ 499,000 | $ 99,800 | $ 71,000 |
| Hickory-Lenoir-Morganton, NC | 5 | $ 674,000 | $ 134,800 | $ 54,000 |
| Modesto, CA | 5 | $ 1,416,000 | $ 283,200 | $ 129,000 |
| Phoenix-Mesa-Glendale, AZ | 5 | $ 1,257,000 | $ 251,400 | $ 98,000 |
| San Francisco-San Mateo-Redwood City, CA | 5 | $ 2,183,000 | $ 436,600 | $ 110,000 |
| Anderson, SC | 4 | $ 204,000 | $ 51,000 | $ 71,000 |
| Bakersfield-Delano, CA | 4 | $ 803,000 | $ 200,750 | $ 89,000 |
| Bremerton-Silverdale, WA | 4 | $ 810,000 | $ 202,500 | $ 89,000 |
| Columbia, SC | 4 | $ 318,000 | $ 79,500 | $ 64,000 |
| Corpus Christi, TX | 4 | $ 402,000 | $ 100,500 | $ 79,000 |
| Fayetteville, NC | 4 | $ 279,000 | $ 69,750 | $ 63,000 |
| Gainesville, GA | 4 | $ 651,000 | $ 162,750 | $ 39,000 |
| Huntington-Ashland, WV-KY-OH | 4 | $ 695,000 | $ 173,750 | $ 52,500 |
| Knoxville, TN | 4 | $ 296,000 | $ 74,000 | $ 69,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 4 | $ 900,000 | $ 225,000 | $ 100,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 4 | $ 511,000 | $ 127,750 | $ 62,500 |
| Tallahassee, FL | 4 | $ 570,000 | $ 142,500 | $ 64,000 |
| Asheville, NC | 3 | $ 663,000 | $ 221,000 | $ 62,000 |
| Beaumont-Port Arthur, TX | 3 | $ 107,000 | $ 35,666 | $ 61,000 |
| Bowling Green, KY | 3 | $ 347,000 | $ 115,666 | $ 56,000 |
| Charlottesville, VA | 3 | $ 587,000 | $ 195,666 | $ 75,000 |
| Chattanooga, TN-GA | 3 | $ 341,000 | $ 113,666 | $ 104,000 |
| Denver-Aurora-Broomfield, CO | 3 | $ 511,000 | $ 170,333 | $ 67,000 |
| El Paso, TX | 3 | $ 252,000 | $ 84,000 | $ 65,000 |
| Elizabethtown, KY | 3 | $ 420,000 | $ 140,000 | $ 61,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3 | $ 875,000 | $ 291,666 | $ 85,000 |
| Montgomery, AL | 3 | $ 556,000 | $ 185,333 | $ 92,000 |
| Morgantown, WV | 3 | $ 789,000 | $ 263,000 | $ 88,000 |
| Morristown, TN | 3 | $ 409,000 | $ 136,333 | $ 43,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 3 | $ 1,045,000 | $ 348,333 | $ 79,000 |
| Palm Coast, FL | 3 | $ 507,000 | $ 169,000 | $ 62,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 3 | $ 1,748,000 | $ 582,666 | $ 166,000 |
| Spokane, WA | 3 | $ 570,000 | $ 190,000 | $ 71,000 |
| Wilmington, NC | 3 | $ 421,000 | $ 140,333 | $ 67,000 |
| Winchester, VA-WV | 3 | $ 611,000 | $ 203,666 | $ 41,000 |
| Altoona, PA | 2 | $ 186,000 | $ 93,000 | $ 46,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 338,000 | $ 169,000 | $ 67,000 |
| Birmingham-Hoover, AL | 2 | $ 325,000 | $ 162,500 | $ 55,000 |
| Corvallis, OR | 2 | $ 607,000 | $ 303,500 | $ 44,000 |
| Durham-Chapel Hill, NC | 2 | $ 427,000 | $ 213,500 | $ 145,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 314,000 | $ 157,000 | $ 71,000 |
| Longview, TX | 2 | $ 205,000 | $ 102,500 | $ 78,000 |
| Owensboro, KY | 2 | $ 277,000 | $ 138,500 | $ 81,000 |
| Rocky Mount, NC | 2 | $ 88,000 | $ 44,000 | $ 80,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 2 | $ 593,000 | $ 296,500 | $ 56,000 |
| Savannah, GA | 2 | $ 523,000 | $ 261,500 | $ 109,000 |
| Spartanburg, SC | 2 | $ 100,000 | $ 50,000 | $ 65,000 |
| St. Louis, MO-IL | 2 | $ 224,000 | $ 112,000 | $ 95,000 |
| Stockton, CA | 2 | $ 400,000 | $ 200,000 | $ 62,000 |
| Tyler, TX | 2 | $ 222,000 | $ 111,000 | $ 97,000 |
| Visalia-Porterville, CA | 2 | $ 231,000 | $ 115,500 | $ 60,000 |
| Winston-Salem, NC | 2 | $ 92,000 | $ 46,000 | $ 60,000 |
| Boulder, CO | 1 | $ 211,000 | $ 211,000 | $ 70,000 |
| Brunswick, GA | 1 | $ 45,000 | $ 45,000 | $ 65,000 |
| Burlington, NC | 1 | $ 135,000 | $ 135,000 | $ 60,000 |
| Charleston, WV | 1 | $ 187,000 | $ 187,000 | $ 67,000 |
| Clarksville, TN-KY | 1 | $ 148,000 | $ 148,000 | $ 65,000 |
| Cleveland, TN | 1 | $ 95,000 | $ 95,000 | $ 51,000 |
| Colorado Springs, CO | 1 | $ 165,000 | $ 165,000 | $ 80,000 |
| Danville, IL | 1 | $ 52,000 | $ 52,000 | $ 90,000 |
| Danville, VA | 1 | $ 22,000 | $ 22,000 | $ 65,000 |
| Dothan, AL | 1 | $ 103,000 | $ 103,000 | $ 50,000 |
| El Centro, CA | 1 | $ 51,000 | $ 51,000 | $ 60,000 |
| Flint, MI | 1 | $ 81,000 | $ 81,000 | $ 74,000 |
| Florence-Muscle Shoals, AL | 1 | $ 112,000 | $ 112,000 | $ 71,000 |
| Gadsden, AL | 1 | $ 86,000 | $ 86,000 | $ 65,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 69,000 | $ 69,000 | $ 65,000 |
| Greeley, CO | 1 | $ 210,000 | $ 210,000 | $ 100,000 |
| Greenville, NC | 1 | $ 175,000 | $ 175,000 | $ 36,000 |
| Hanford-Corcoran, CA | 1 | $ 227,000 | $ 227,000 | $ 67,000 |
| Huntsville, AL | 1 | $ 136,000 | $ 136,000 | $ 47,000 |
| Idaho Falls, ID | 1 | $ 281,000 | $ 281,000 | $ 90,000 |
| Jackson, TN | 1 | $ 58,000 | $ 58,000 | $ 65,000 |
| Kansas City, MO-KS | 1 | $ 141,000 | $ 141,000 | $ 50,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 80,000 | $ 80,000 | $ 60,000 |
| Las Vegas-Paradise, NV | 1 | $ 235,000 | $ 235,000 | $ 155,000 |
| Lima, OH | 1 | $ 133,000 | $ 133,000 | $ 39,000 |
| Madera-Chowchilla, CA | 1 | $ 329,000 | $ 329,000 | $ 106,000 |
| Mansfield, OH | 1 | $ 175,000 | $ 175,000 | $ 880,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 98,000 | $ 98,000 | $ 65,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 182,000 | $ 182,000 | $ 113,000 |
| Mobile, AL | 1 | $ 283,000 | $ 283,000 | $ 149,000 |
| Muskegon-Norton Shores, MI | 1 | $ 110,000 | $ 110,000 | $ 54,000 |
| Niles-Benton Harbor, MI | 1 | $ 179,000 | $ 179,000 | $ 80,000 |
| Pueblo, CO | 1 | $ 137,000 | $ 137,000 | $ 42,000 |
| Rockford, IL | 1 | $ 87,000 | $ 87,000 | $ 65,000 |
| Saginaw-Saginaw Township North, MI | 1 | $ 131,000 | $ 131,000 | $ 61,000 |
| Sandusky, OH | 1 | $ 171,000 | $ 171,000 | $ 165,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 301,000 | $ 301,000 | $ 110,000 |
| Sherman-Denison, TX | 1 | $ 53,000 | $ 53,000 | $ 60,000 |
| Tucson, AZ | 1 | $ 159,000 | $ 159,000 | $ 87,000 |
| Wheeling, WV-OH | 1 | $ 164,000 | $ 164,000 | $ 104,000 |
| Yuba City, CA | 1 | $ 39,000 | $ 39,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for Home Point Financial Corporation in 2012
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 | 9,775 | $2,069,203,000 | $211,000 | $965,000 | $79,000 | $1,235,000 |
| Home Purchase | 1,316 | $259,076,000 | $196,000 | $736,000 | $71,000 | $858,000 |
| Home Improvement | 55 | $14,375,000 | $261,000 | $722,000 | $111,000 | $543,000 |
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 | 6,901 | $1,445,484,000 | $209,000 | $743,000 | $78,000 | $1,235,000 |
| Not applicable | 1,889 | $413,299,000 | $218,000 | $651,000 | $83,000 | $565,000 |
| Black or African American | 806 | $140,641,000 | $174,000 | $728,000 | $72,000 | $543,000 |
| Hispanic | 642 | $136,068,000 | $211,000 | $666,000 | $67,000 | $296,000 |
| Not Provided | 582 | $126,047,000 | $216,000 | $965,000 | $78,000 | $606,000 |
| Asian | 285 | $71,492,000 | $250,000 | $741,000 | $92,000 | $1,055,000 |
| American Indian or Alaskan Native | 32 | $8,583,000 | $268,000 | $568,000 | $84,000 | $350,000 |
| Native Hawaiian or Other Pacific Islander | 9 | $1,040,000 | $115,000 | $208,000 | $60,000 | $65,000 |
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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 5,794 | $1,176,504,000 | $203,000 | $727,000 | $73,000 | $1,235,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 5,104 | $1,112,748,000 | $218,000 | $965,000 | $85,000 | $1,055,000 |
| VA-guaranteed (Veterans Administration) | 156 | $35,120,000 | $225,000 | $695,000 | $75,000 | $367,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 92 | $18,282,000 | $198,000 | $388,000 | $60,000 | $153,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 4,511 | $926,092,000 | $205,000 | $741,000 | $76,000 | $1,235,000 |
| Loan Originated | 2,710 | $579,661,000 | $213,000 | $743,000 | $82,000 | $858,000 |
| Loan Purchased By The Institution | 1,907 | $417,678,000 | $219,000 | $651,000 | $83,000 | $565,000 |
| Application Denied By Financial Institution | 1,498 | $308,949,000 | $206,000 | $965,000 | $71,000 | $1,055,000 |
| Application Approved But Not Accepted | 429 | $91,289,000 | $212,000 | $660,000 | $81,000 | $388,000 |
| File Closed For Incompleteness | 87 | $17,935,000 | $206,000 | $415,000 | $65,000 | $150,000 |
| Preapproval Denied by Financial Institution | 4 | $1,050,000 | $262,000 | $380,000 | $67,000 | $130,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 509 | $111,974,000 | $219,000 | $529,000 | $52,000 | $218,000 |
| Credit History | 322 | $64,321,000 | $199,000 | $965,000 | $73,000 | $880,000 |
| Other | 274 | $61,186,000 | $223,000 | $666,000 | $97,000 | $1,055,000 |
| Collateral | 100 | $21,409,000 | $214,000 | $646,000 | $78,000 | $350,000 |
| Employment History | 28 | $7,161,000 | $255,000 | $736,000 | $77,000 | $413,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 28 | $5,705,000 | $203,000 | $334,000 | $67,000 | $158,000 |
| Unverifiable Information | 22 | $5,014,000 | $227,000 | $586,000 | $81,000 | $294,000 |
| Mortgage Insurance Denied | 4 | $994,000 | $248,000 | $382,000 | $110,000 | $195,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Home Point Financial Corporation's 2012 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.
For a list of all lenders in Michigan, download the full spreadsheet
with aggregated HMDA statistics today.
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