Home Point Financial Corporation Mortgage Lending & HMDA Data, 2015
In 2015, Home Point Financial Corporation of Ann Arbor, MI reported 11,478 mortgage applications totaling $2.5 billion, up 74% from 2014. The average application was for $220,887, and applicants reported an average income of $60,405. 65% of its applications resulted in an originated loan and 15% were denied. Its largest markets were New York-Jersey City-White Plains, NY-NJ (823), Providence-Warwick, RI-MA (735) and Newark, NJ-PA (515) (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 | 11,478 |
| Total Mortgage Loan Application Amount | $2,535,345,000 |
| Average Mortgage Loan Application Amount | $220,887 |
| Highest Mortgage Loan Application Amount | $1,727,000 |
| Average Applicant Income | $60,405 |
| Highest Applicant Income | $2,260,000 |
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Home Point Financial Corporation filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| New York-Jersey City-White Plains, NY-NJ | 823 | $ 237,248,000 | $ 288,272 | $ 89,940 |
| Providence-Warwick, RI-MA | 735 | $ 147,337,000 | $ 200,458 | $ 66,028 |
| Newark, NJ-PA | 515 | $ 142,922,000 | $ 277,518 | $ 88,864 |
| Baltimore-Columbia-Towson, MD | 404 | $ 95,715,000 | $ 236,918 | $ 61,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 375 | $ 113,134,000 | $ 301,690 | $ 66,010 |
| Reading, PA | 320 | $ 52,259,000 | $ 163,309 | $ 73,000 |
| Atlanta-Sandy Springs-Roswell, GA | 316 | $ 57,769,000 | $ 182,813 | $ 42,000 |
| Montgomery County-Bucks County-Chester County, PA | 295 | $ 71,078,000 | $ 240,942 | $ 88,000 |
| Harrisburg-Carlisle, PA | 270 | $ 49,120,000 | $ 181,925 | $ 78,000 |
| Tampa-St. Petersburg-Clearwater, FL | 231 | $ 42,886,000 | $ 185,653 | $ 56,000 |
| Cambridge-Newton-Framingham, MA | 222 | $ 64,838,000 | $ 292,063 | $ 63,000 |
| Los Angeles-Long Beach-Glendale, CA | 222 | $ 77,133,000 | $ 347,445 | $ 81,000 |
| Chicago-Naperville-Arlington Heights, IL | 191 | $ 36,980,000 | $ 193,612 | $ 48,000 |
| Warren-Troy-Farmington Hills, MI | 183 | $ 28,867,000 | $ 157,743 | $ 52,000 |
| Philadelphia, PA | 180 | $ 32,565,000 | $ 180,916 | $ 64,000 |
| Boston, MA | 170 | $ 48,437,000 | $ 284,923 | $ 73,000 |
| Riverside-San Bernardino-Ontario, CA | 158 | $ 42,257,000 | $ 267,449 | $ 55,000 |
| Columbus, OH | 149 | $ 24,708,000 | $ 165,825 | $ 51,000 |
| Camden, NJ | 147 | $ 29,652,000 | $ 201,714 | $ 69,000 |
| Wilmington, DE-MD-NJ | 145 | $ 32,651,000 | $ 225,179 | $ 71,255 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 130 | $ 31,279,000 | $ 240,607 | $ 39,261 |
| Worcester, MA-CT | 123 | $ 26,009,000 | $ 211,455 | $ 55,617 |
| Charlotte-Concord-Gastonia, NC-SC | 107 | $ 20,701,000 | $ 193,467 | $ 49,616 |
| Orlando-Kissimmee-Sanford, FL | 106 | $ 20,391,000 | $ 192,367 | $ 48,000 |
| San Diego-Carlsbad, CA | 96 | $ 37,441,000 | $ 390,010 | $ 99,000 |
| Louisville/Jefferson County, KY-IN | 91 | $ 14,532,000 | $ 159,692 | $ 48,780 |
| Birmingham-Hoover, AL | 88 | $ 14,083,000 | $ 160,034 | $ 45,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 85 | $ 15,551,000 | $ 182,952 | $ 62,811 |
| Jacksonville, FL | 82 | $ 15,402,000 | $ 187,829 | $ 48,000 |
| York-Hanover, PA | 74 | $ 13,280,000 | $ 179,459 | $ 67,000 |
| Indianapolis-Carmel-Anderson, IN | 72 | $ 12,323,000 | $ 171,152 | $ 45,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 69 | $ 21,410,000 | $ 310,289 | $ 58,000 |
| Silver Spring-Frederick-Rockville, MD | 68 | $ 22,551,000 | $ 331,632 | $ 77,000 |
| Anaheim-Santa Ana-Irvine, CA | 67 | $ 27,778,000 | $ 414,597 | $ 95,000 |
| Cleveland-Elyria, OH | 67 | $ 9,145,000 | $ 136,492 | $ 38,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 62 | $ 11,150,000 | $ 179,838 | $ 36,000 |
| Richmond, VA | 61 | $ 13,178,000 | $ 216,032 | $ 29,000 |
| Columbia, SC | 59 | $ 9,181,000 | $ 155,610 | $ 35,000 |
| Denver-Aurora-Lakewood, CO | 58 | $ 14,065,000 | $ 242,500 | $ 40,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 58 | $ 12,534,000 | $ 216,103 | $ 59,000 |
| Detroit-Dearborn-Livonia, MI | 56 | $ 6,935,000 | $ 123,839 | $ 38,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 56 | $ 13,313,000 | $ 237,732 | $ 90,000 |
| Houston-The Woodlands-Sugar Land, TX | 54 | $ 10,378,000 | $ 192,185 | $ 32,000 |
| San Antonio-New Braunfels, TX | 54 | $ 10,442,000 | $ 193,370 | $ 15,000 |
| Dallas-Plano-Irving, TX | 52 | $ 10,501,000 | $ 201,942 | $ 33,000 |
| Charleston-North Charleston, SC | 49 | $ 9,503,000 | $ 193,938 | $ 47,000 |
| Seattle-Bellevue-Everett, WA | 49 | $ 12,999,000 | $ 265,285 | $ 53,000 |
| Memphis, TN-MS-AR | 48 | $ 7,574,000 | $ 157,791 | $ 19,583 |
| Miami-Miami Beach-Kendall, FL | 47 | $ 13,421,000 | $ 285,553 | $ 72,000 |
| Cincinnati, OH-KY-IN | 46 | $ 7,627,000 | $ 165,804 | $ 38,717 |
| Austin-Round Rock, TX | 45 | $ 8,320,000 | $ 184,888 | $ 53,000 |
| Tacoma-Lakewood, WA | 45 | $ 9,452,000 | $ 210,044 | $ 21,000 |
| Hartford-West Hartford-East Hartford, CT | 44 | $ 8,492,000 | $ 193,000 | $ 48,000 |
| Pittsburgh, PA | 44 | $ 8,416,000 | $ 191,272 | $ 67,000 |
| Trenton, NJ | 44 | $ 10,173,000 | $ 231,204 | $ 79,000 |
| Barnstable Town, MA | 43 | $ 10,567,000 | $ 245,744 | $ 52,000 |
| Port St. Lucie, FL | 40 | $ 7,407,000 | $ 185,175 | $ 54,000 |
| Salisbury, MD-DE | 39 | $ 7,549,000 | $ 193,564 | $ 109,333 |
| Nassau County-Suffolk County, NY | 38 | $ 13,064,000 | $ 343,789 | $ 105,000 |
| Manchester-Nashua, NH | 36 | $ 7,611,000 | $ 211,416 | $ 54,000 |
| Augusta-Richmond County, GA-SC | 34 | $ 6,266,000 | $ 184,294 | $ 39,941 |
| Huntsville, AL | 34 | $ 5,776,000 | $ 169,882 | $ 53,000 |
| Raleigh, NC | 34 | $ 7,073,000 | $ 208,029 | $ 62,000 |
| Atlantic City-Hammonton, NJ | 33 | $ 7,091,000 | $ 214,878 | $ 100,000 |
| North Port-Sarasota-Bradenton, FL | 33 | $ 7,238,000 | $ 219,333 | $ 55,000 |
| Oakland-Hayward-Berkeley, CA | 33 | $ 11,824,000 | $ 358,303 | $ 75,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 33 | $ 6,891,000 | $ 208,818 | $ 32,545 |
| Lancaster, PA | 32 | $ 5,942,000 | $ 185,687 | $ 64,000 |
| Fort Worth-Arlington, TX | 31 | $ 5,736,000 | $ 185,032 | $ 22,000 |
| Rockingham County-Strafford County, NH | 31 | $ 7,585,000 | $ 244,677 | $ 73,000 |
| Chattanooga, TN-GA | 30 | $ 5,074,000 | $ 169,133 | $ 29,866 |
| Greenville-Anderson-Mauldin, SC | 30 | $ 4,603,000 | $ 153,433 | $ 29,000 |
| Hagerstown-Martinsburg, MD-WV | 30 | $ 6,204,000 | $ 206,800 | $ 45,333 |
| New Haven-Milford, CT | 28 | $ 5,556,000 | $ 198,428 | $ 56,000 |
| Burlington-South Burlington, VT | 27 | $ 6,248,000 | $ 231,407 | $ 51,000 |
| Colorado Springs, CO | 27 | $ 7,177,000 | $ 265,814 | $ 40,000 |
| Lakeland-Winter Haven, FL | 27 | $ 4,738,000 | $ 175,481 | $ 49,000 |
| Savannah, GA | 27 | $ 5,005,000 | $ 185,370 | $ 51,000 |
| Clarksville, TN-KY | 26 | $ 3,570,000 | $ 137,307 | $ 23,692 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 26 | $ 5,719,000 | $ 219,961 | $ 26,000 |
| Norwich-New London, CT | 26 | $ 4,854,000 | $ 186,692 | $ 55,000 |
| Jacksonville, NC | 25 | $ 4,188,000 | $ 167,520 | $ 6,000 |
| Springfield, MA | 25 | $ 4,519,000 | $ 180,760 | $ 51,000 |
| Fayetteville, NC | 24 | $ 3,959,000 | $ 164,958 | $ 31,000 |
| Palm Bay-Melbourne-Titusville, FL | 24 | $ 4,368,000 | $ 182,000 | $ 31,000 |
| Pensacola-Ferry Pass-Brent, FL | 24 | $ 4,754,000 | $ 198,083 | $ 37,000 |
| Cape Coral-Fort Myers, FL | 23 | $ 4,457,000 | $ 193,782 | $ 69,000 |
| Fresno, CA | 23 | $ 4,789,000 | $ 208,217 | $ 45,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 23 | $ 9,372,000 | $ 407,478 | $ 91,000 |
| Greensboro-High Point, NC | 22 | $ 3,659,000 | $ 166,318 | $ 31,000 |
| Lake County-Kenosha County, IL-WI | 22 | $ 4,637,000 | $ 210,772 | $ 57,090 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 21 | $ 4,801,000 | $ 228,619 | $ 57,000 |
| Akron, OH | 20 | $ 3,214,000 | $ 160,700 | $ 45,000 |
| Bridgeport-Stamford-Norwalk, CT | 20 | $ 5,929,000 | $ 296,450 | $ 104,000 |
| Asheville, NC | 19 | $ 3,387,000 | $ 178,263 | $ 21,000 |
| Bakersfield, CA | 19 | $ 3,986,000 | $ 209,789 | $ 54,000 |
| Charlottesville, VA | 19 | $ 4,705,000 | $ 247,631 | $ 64,000 |
| Montgomery, AL | 19 | $ 2,883,000 | $ 151,736 | $ 43,000 |
| Winston-Salem, NC | 19 | $ 3,477,000 | $ 183,000 | $ 39,000 |
| Columbus, GA-AL | 18 | $ 3,388,000 | $ 188,222 | $ 20,111 |
| Dover, DE | 18 | $ 3,059,000 | $ 169,944 | $ 37,000 |
| Elizabethtown-Fort Knox, KY | 18 | $ 3,282,000 | $ 182,333 | $ 120,000 |
| Knoxville, TN | 18 | $ 3,300,000 | $ 183,333 | $ 39,000 |
| Ocean City, NJ | 18 | $ 3,746,000 | $ 208,111 | $ 83,000 |
| Spokane-Spokane Valley, WA | 17 | $ 3,023,000 | $ 177,823 | $ 16,000 |
| Albany-Schenectady-Troy, NY | 16 | $ 3,506,000 | $ 219,125 | $ 91,000 |
| Durham-Chapel Hill, NC | 16 | $ 3,501,000 | $ 218,812 | $ 65,000 |
| Fort Wayne, IN | 16 | $ 2,437,000 | $ 152,312 | $ 44,000 |
| Killeen-Temple, TX | 16 | $ 2,690,000 | $ 168,125 | $ 4,000 |
| Naples-Immokalee-Marco Island, FL | 16 | $ 4,288,000 | $ 268,000 | $ 59,000 |
| Portland-South Portland, ME | 16 | $ 3,075,000 | $ 192,187 | $ 37,000 |
| California-Lexington Park, MD | 15 | $ 3,407,000 | $ 227,133 | $ 60,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 15 | $ 2,383,000 | $ 158,866 | $ 50,000 |
| Oklahoma City, OK | 15 | $ 2,615,000 | $ 174,333 | $ 28,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 15 | $ 1,907,000 | $ 127,133 | $ 57,000 |
| Dayton, OH | 14 | $ 2,035,000 | $ 145,357 | $ 38,000 |
| East Stroudsburg, PA | 14 | $ 2,343,000 | $ 167,357 | $ 72,000 |
| Gettysburg, PA | 14 | $ 2,267,000 | $ 161,928 | $ 50,000 |
| Olympia-Tumwater, WA | 14 | $ 3,004,000 | $ 214,571 | $ 57,000 |
| Vineland-Bridgeton, NJ | 14 | $ 2,165,000 | $ 154,642 | $ 48,000 |
| Decatur, AL | 13 | $ 2,344,000 | $ 180,307 | $ 48,000 |
| El Paso, TX | 13 | $ 2,193,000 | $ 168,692 | $ 0 |
| Eugene, OR | 13 | $ 2,572,000 | $ 197,846 | $ 11,000 |
| Hinesville, GA | 13 | $ 2,222,000 | $ 170,923 | $ 31,000 |
| Kalamazoo-Portage, MI | 13 | $ 2,447,000 | $ 188,230 | $ 33,000 |
| Kennewick-Richland, WA | 13 | $ 2,175,000 | $ 167,307 | $ 6,000 |
| Madera, CA | 13 | $ 2,756,000 | $ 212,000 | $ 44,000 |
| Milwaukee-Waukesha-West Allis, WI | 13 | $ 2,643,000 | $ 203,307 | $ 20,000 |
| Mobile, AL | 13 | $ 2,033,000 | $ 156,384 | $ 29,000 |
| Ocala, FL | 13 | $ 2,397,000 | $ 184,384 | $ 45,000 |
| Roanoke, VA | 13 | $ 2,791,000 | $ 214,692 | $ 67,000 |
| Vallejo-Fairfield, CA | 13 | $ 3,410,000 | $ 262,307 | $ 35,000 |
| Elgin, IL | 12 | $ 2,484,000 | $ 207,000 | $ 32,000 |
| Homosassa Springs, FL | 12 | $ 1,674,000 | $ 139,500 | $ 32,000 |
| Lexington-Fayette, KY | 12 | $ 2,323,000 | $ 193,583 | $ 52,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 12 | $ 4,877,000 | $ 406,416 | $ 102,000 |
| Crestview-Fort Walton Beach-Destin, FL | 11 | $ 2,034,000 | $ 184,909 | $ 22,000 |
| Macon, GA | 11 | $ 1,797,000 | $ 163,363 | $ 39,000 |
| Modesto, CA | 11 | $ 2,286,000 | $ 207,818 | $ 55,000 |
| Salem, OR | 11 | $ 2,143,000 | $ 194,818 | $ 18,000 |
| Wilmington, NC | 11 | $ 2,558,000 | $ 232,545 | $ 74,000 |
| Daphne-Fairhope-Foley, AL | 10 | $ 1,729,000 | $ 172,900 | $ 54,000 |
| St. Louis, MO-IL | 10 | $ 1,555,000 | $ 155,500 | $ 29,700 |
| Stockton-Lodi, CA | 10 | $ 2,076,000 | $ 207,600 | $ 37,000 |
| Tallahassee, FL | 10 | $ 2,028,000 | $ 202,800 | $ 38,000 |
| Albany, GA | 9 | $ 1,557,000 | $ 173,000 | $ 40,000 |
| Bremerton-Silverdale, WA | 9 | $ 2,029,000 | $ 225,444 | $ 17,000 |
| Cleveland, TN | 9 | $ 1,037,000 | $ 115,222 | $ 35,000 |
| Gary, IN | 9 | $ 1,374,000 | $ 152,666 | $ 30,000 |
| Greeley, CO | 9 | $ 1,725,000 | $ 191,666 | $ 13,000 |
| Hickory-Lenoir-Morganton, NC | 9 | $ 1,529,000 | $ 169,888 | $ 37,000 |
| Lebanon, PA | 9 | $ 1,430,000 | $ 158,888 | $ 67,000 |
| Medford, OR | 9 | $ 1,507,000 | $ 167,444 | $ 10,000 |
| Tuscaloosa, AL | 9 | $ 1,459,000 | $ 162,111 | $ 33,000 |
| Visalia-Porterville, CA | 9 | $ 1,912,000 | $ 212,444 | $ 33,000 |
| Youngstown-Warren-Boardman, OH-PA | 9 | $ 1,199,000 | $ 133,222 | $ 46,000 |
| Bellingham, WA | 8 | $ 1,920,000 | $ 240,000 | $ 24,000 |
| Bend-Redmond, OR | 8 | $ 1,451,000 | $ 181,375 | $ 12,000 |
| Bloomington, IN | 8 | $ 1,177,000 | $ 147,125 | $ 27,000 |
| Flint, MI | 8 | $ 1,361,000 | $ 170,125 | $ 24,000 |
| Gainesville, GA | 8 | $ 1,365,000 | $ 170,625 | $ 31,000 |
| Grand Rapids-Wyoming, MI | 8 | $ 1,110,000 | $ 138,750 | $ 59,000 |
| Jackson, TN | 8 | $ 919,000 | $ 114,875 | $ 3,000 |
| Lansing-East Lansing, MI | 8 | $ 1,718,000 | $ 214,750 | $ 29,000 |
| Spartanburg, SC | 8 | $ 1,243,000 | $ 155,375 | $ 32,000 |
| Winchester, VA-WV | 8 | $ 1,724,000 | $ 215,500 | $ 36,000 |
| Chambersburg-Waynesboro, PA | 7 | $ 991,000 | $ 141,571 | $ 67,000 |
| Fort Collins, CO | 7 | $ 1,928,000 | $ 275,428 | $ 55,000 |
| Huntington-Ashland, WV-KY-OH | 7 | $ 1,091,000 | $ 155,857 | $ 49,571 |
| Monroe, MI | 7 | $ 1,015,000 | $ 145,000 | $ 63,000 |
| Panama City, FL | 7 | $ 1,477,000 | $ 211,000 | $ 53,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 7 | $ 2,074,000 | $ 296,285 | $ 64,000 |
| South Bend-Mishawaka, IN-MI | 7 | $ 932,000 | $ 133,142 | $ 41,000 |
| Valdosta, GA | 7 | $ 1,064,000 | $ 152,000 | $ 29,000 |
| Albany, OR | 6 | $ 901,000 | $ 150,166 | $ 35,000 |
| Ann Arbor, MI | 6 | $ 986,000 | $ 164,333 | $ 48,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 6 | $ 918,000 | $ 153,000 | $ 47,000 |
| Burlington, NC | 6 | $ 947,000 | $ 157,833 | $ 55,000 |
| Hanford-Corcoran, CA | 6 | $ 1,423,000 | $ 237,166 | $ 28,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 6 | $ 1,240,000 | $ 206,666 | $ 53,000 |
| Kingsport-Bristol-Bristol, TN-VA | 6 | $ 1,574,000 | $ 262,333 | $ 173,000 |
| Salinas, CA | 6 | $ 2,158,000 | $ 359,666 | $ 25,000 |
| San Francisco-Redwood City-South San Francisco, CA | 6 | $ 2,431,000 | $ 405,166 | $ 103,000 |
| Terre Haute, IN | 6 | $ 990,000 | $ 165,000 | $ 35,000 |
| The Villages, FL | 6 | $ 1,306,000 | $ 217,666 | $ 65,000 |
| Warner Robins, GA | 6 | $ 998,000 | $ 166,333 | $ 16,000 |
| Athens-Clarke County, GA | 5 | $ 796,000 | $ 159,200 | $ 23,000 |
| Battle Creek, MI | 5 | $ 555,000 | $ 111,000 | $ 48,000 |
| Blacksburg-Christiansburg-Radford, VA | 5 | $ 884,000 | $ 176,800 | $ 29,000 |
| Charleston, WV | 5 | $ 1,022,000 | $ 204,400 | $ 70,000 |
| Dutchess County-Putnam County, NY | 5 | $ 1,581,000 | $ 316,200 | $ 122,000 |
| Elkhart-Goshen, IN | 5 | $ 639,000 | $ 127,800 | $ 52,000 |
| Florence-Muscle Shoals, AL | 5 | $ 617,000 | $ 123,400 | $ 39,000 |
| Gainesville, FL | 5 | $ 717,000 | $ 143,400 | $ 32,000 |
| Grand Junction, CO | 5 | $ 1,084,000 | $ 216,800 | $ 29,000 |
| Johnson City, TN | 5 | $ 751,000 | $ 150,200 | $ 36,000 |
| Longview, WA | 5 | $ 786,000 | $ 157,200 | $ 0 |
| Lynchburg, VA | 5 | $ 736,000 | $ 147,200 | $ 0 |
| Santa Rosa, CA | 5 | $ 2,434,000 | $ 486,800 | $ 183,000 |
| Sebastian-Vero Beach, FL | 5 | $ 779,000 | $ 155,800 | $ 19,000 |
| State College, PA | 5 | $ 1,122,000 | $ 224,400 | $ 45,000 |
| Syracuse, NY | 5 | $ 647,000 | $ 129,400 | $ 64,000 |
| Yuba City, CA | 5 | $ 980,000 | $ 196,000 | $ 51,000 |
| Corpus Christi, TX | 4 | $ 617,000 | $ 154,250 | $ 0 |
| Cumberland, MD-WV | 4 | $ 519,000 | $ 129,750 | $ 46,500 |
| Dalton, GA | 4 | $ 708,000 | $ 177,000 | $ 43,000 |
| Erie, PA | 4 | $ 701,000 | $ 175,250 | $ 23,000 |
| Grants Pass, OR | 4 | $ 805,000 | $ 201,250 | $ 9,000 |
| Lafayette-West Lafayette, IN | 4 | $ 643,000 | $ 160,750 | $ 20,000 |
| Laredo, TX | 4 | $ 672,000 | $ 168,000 | $ 0 |
| Longview, TX | 4 | $ 518,000 | $ 129,500 | $ 54,000 |
| Merced, CA | 4 | $ 802,000 | $ 200,500 | $ 82,000 |
| Mount Vernon-Anacortes, WA | 4 | $ 747,000 | $ 186,750 | $ 34,000 |
| Muskegon, MI | 4 | $ 619,000 | $ 154,750 | $ 36,000 |
| Napa, CA | 4 | $ 949,000 | $ 237,250 | $ 86,000 |
| New Bern, NC | 4 | $ 572,000 | $ 143,000 | $ 15,000 |
| Oshkosh-Neenah, WI | 4 | $ 686,000 | $ 171,500 | $ 25,000 |
| San Angelo, TX | 4 | $ 699,000 | $ 174,750 | $ 0 |
| Staunton-Waynesboro, VA | 4 | $ 570,000 | $ 142,500 | $ 38,000 |
| Tulsa, OK | 4 | $ 598,000 | $ 149,500 | $ 28,000 |
| Tyler, TX | 4 | $ 709,000 | $ 177,250 | $ 0 |
| Williamsport, PA | 4 | $ 571,000 | $ 142,750 | $ 78,000 |
| Yakima, WA | 4 | $ 527,000 | $ 131,750 | $ 4,000 |
| Abilene, TX | 3 | $ 600,000 | $ 200,000 | $ 0 |
| Altoona, PA | 3 | $ 555,000 | $ 185,000 | $ 51,000 |
| Anniston-Oxford-Jacksonville, AL | 3 | $ 487,000 | $ 162,333 | $ 36,000 |
| Bowling Green, KY | 3 | $ 526,000 | $ 175,333 | $ 46,000 |
| Canton-Massillon, OH | 3 | $ 407,000 | $ 135,666 | $ 0 |
| Chico, CA | 3 | $ 596,000 | $ 198,666 | $ 20,000 |
| Evansville, IN-KY | 3 | $ 442,000 | $ 147,333 | $ 57,000 |
| Glens Falls, NY | 3 | $ 523,000 | $ 174,333 | $ 21,000 |
| Greenville, NC | 3 | $ 525,000 | $ 175,000 | $ 0 |
| Jackson, MI | 3 | $ 521,000 | $ 173,666 | $ 106,000 |
| Kansas City, MO-KS | 3 | $ 757,000 | $ 252,333 | $ 0 |
| Kokomo, IN | 3 | $ 433,000 | $ 144,333 | $ 69,000 |
| Midland, TX | 3 | $ 670,000 | $ 223,333 | $ 0 |
| Muncie, IN | 3 | $ 380,000 | $ 126,666 | $ 24,000 |
| Punta Gorda, FL | 3 | $ 604,000 | $ 201,333 | $ 148,000 |
| Rochester, NY | 3 | $ 429,000 | $ 143,000 | $ 34,000 |
| Rocky Mount, NC | 3 | $ 518,000 | $ 172,666 | $ 89,000 |
| Saginaw, MI | 3 | $ 324,000 | $ 108,000 | $ 14,000 |
| Santa Cruz-Watsonville, CA | 3 | $ 2,796,000 | $ 932,000 | $ 137,000 |
| Santa Maria-Santa Barbara, CA | 3 | $ 1,090,000 | $ 363,333 | $ 14,000 |
| Springfield, IL | 3 | $ 419,000 | $ 139,666 | $ 29,000 |
| Sumter, SC | 3 | $ 612,000 | $ 204,000 | $ 43,000 |
| Toledo, OH | 3 | $ 631,000 | $ 210,333 | $ 81,000 |
| Amarillo, TX | 2 | $ 320,000 | $ 160,000 | $ 0 |
| Anchorage, AK | 2 | $ 529,000 | $ 264,500 | $ 0 |
| Appleton, WI | 2 | $ 383,000 | $ 191,500 | $ 50,000 |
| Auburn-Opelika, AL | 2 | $ 299,000 | $ 149,500 | $ 63,000 |
| Beckley, WV | 2 | $ 280,000 | $ 140,000 | $ 87,000 |
| Bloomsburg-Berwick, PA | 2 | $ 341,000 | $ 170,500 | $ 107,000 |
| Boulder, CO | 2 | $ 391,000 | $ 195,500 | $ 0 |
| Columbus, IN | 2 | $ 429,000 | $ 214,500 | $ 108,000 |
| Davenport-Moline-Rock Island, IA-IL | 2 | $ 395,000 | $ 197,500 | $ 0 |
| Duluth, MN-WI | 2 | $ 240,000 | $ 120,000 | $ 22,500 |
| Florence, SC | 2 | $ 265,000 | $ 132,500 | $ 29,000 |
| Gadsden, AL | 2 | $ 297,000 | $ 148,500 | $ 29,000 |
| Goldsboro, NC | 2 | $ 376,000 | $ 188,000 | $ 45,000 |
| Green Bay, WI | 2 | $ 403,000 | $ 201,500 | $ 36,000 |
| Janesville-Beloit, WI | 2 | $ 385,000 | $ 192,500 | $ 40,000 |
| Lawton, OK | 2 | $ 413,000 | $ 206,500 | $ 0 |
| McAllen-Edinburg-Mission, TX | 2 | $ 464,000 | $ 232,000 | $ 0 |
| Morristown, TN | 2 | $ 322,000 | $ 161,000 | $ 82,000 |
| Niles-Benton Harbor, MI | 2 | $ 608,000 | $ 304,000 | $ 109,000 |
| Odessa, TX | 2 | $ 272,000 | $ 136,000 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 671,000 | $ 335,500 | $ 60,000 |
| Pueblo, CO | 2 | $ 429,000 | $ 214,500 | $ 0 |
| Redding, CA | 2 | $ 338,000 | $ 169,000 | $ 0 |
| Sierra Vista-Douglas, AZ | 2 | $ 314,000 | $ 157,000 | $ 0 |
| Waco, TX | 2 | $ 231,000 | $ 115,500 | $ 0 |
| Walla Walla, WA | 2 | $ 391,000 | $ 195,500 | $ 0 |
| Wenatchee, WA | 2 | $ 322,000 | $ 161,000 | $ 0 |
| Albuquerque, NM | 1 | $ 360,000 | $ 360,000 | $ 0 |
| Baton Rouge, LA | 1 | $ 118,000 | $ 118,000 | $ 0 |
| Bay City, MI | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Beaumont-Port Arthur, TX | 1 | $ 227,000 | $ 227,000 | $ 0 |
| Binghamton, NY | 1 | $ 85,000 | $ 85,000 | $ 28,000 |
| Bismarck, ND | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Bloomington, IL | 1 | $ 115,000 | $ 115,000 | $ 63,000 |
| Brunswick, GA | 1 | $ 155,000 | $ 155,000 | $ 33,000 |
| Champaign-Urbana, IL | 1 | $ 108,000 | $ 108,000 | $ 164,000 |
| Des Moines-West Des Moines, IA | 1 | $ 217,000 | $ 217,000 | $ 0 |
| El Centro, CA | 1 | $ 47,000 | $ 47,000 | $ 0 |
| Fairbanks, AK | 1 | $ 236,000 | $ 236,000 | $ 0 |
| Fond Du Lac, WI | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Fort Smith, AR-OK | 1 | $ 196,000 | $ 196,000 | $ 0 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 266,000 | $ 266,000 | $ 0 |
| Harrisonburg, VA | 1 | $ 203,000 | $ 203,000 | $ 0 |
| Johnstown, PA | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 193,000 | $ 193,000 | $ 0 |
| Lubbock, TX | 1 | $ 277,000 | $ 277,000 | $ 0 |
| Madison, WI | 1 | $ 279,000 | $ 279,000 | $ 86,000 |
| Mankato-North Mankato, MN | 1 | $ 271,000 | $ 271,000 | $ 80,000 |
| Michigan City-La Porte, IN | 1 | $ 147,000 | $ 147,000 | $ 69,000 |
| Morgantown, WV | 1 | $ 202,000 | $ 202,000 | $ 0 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 258,000 | $ 258,000 | $ 0 |
| Owensboro, KY | 1 | $ 136,000 | $ 136,000 | $ 69,000 |
| Peoria, IL | 1 | $ 175,000 | $ 175,000 | $ 134,000 |
| Pittsfield, MA | 1 | $ 128,000 | $ 128,000 | $ 78,000 |
| Racine, WI | 1 | $ 199,000 | $ 199,000 | $ 0 |
| Rockford, IL | 1 | $ 138,000 | $ 138,000 | $ 0 |
| Rome, GA | 1 | $ 167,000 | $ 167,000 | $ 78,000 |
| Salt Lake City, UT | 1 | $ 174,000 | $ 174,000 | $ 0 |
| Sebring, FL | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Springfield, OH | 1 | $ 110,000 | $ 110,000 | $ 50,000 |
| Tucson, AZ | 1 | $ 157,000 | $ 157,000 | $ 0 |
| Utica-Rome, NY | 1 | $ 221,000 | $ 221,000 | $ 86,000 |
| Watertown-Fort Drum, NY | 1 | $ 158,000 | $ 158,000 | $ 54,000 |
| Weirton-Steubenville, WV-OH | 1 | $ 91,000 | $ 91,000 | $ 49,000 |
| Wheeling, WV-OH | 1 | $ 142,000 | $ 142,000 | $ 0 |
Mortgage Loan Application Detail Totals for Home Point Financial Corporation in 2015
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 | 5,496 | $1,225,597,000 | $222,000 | $1,727,000 | $38,000 | $2,260,000 |
| Home Purchase | 4,008 | $850,389,000 | $212,000 | $1,560,000 | $80,000 | $758,000 |
| Home Improvement | 1,974 | $459,359,000 | $232,000 | $1,170,000 | $83,000 | $640,000 |
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 | 7,342 | $1,611,787,000 | $219,000 | $1,560,000 | $63,000 | $2,260,000 |
| Black or African American | 1,688 | $347,347,000 | $205,000 | $739,000 | $49,000 | $348,000 |
| Hispanic | 1,227 | $284,767,000 | $232,000 | $639,000 | $56,000 | $552,000 |
| Not Provided | 903 | $207,661,000 | $229,000 | $1,727,000 | $59,000 | $573,000 |
| Asian | 241 | $63,470,000 | $263,000 | $1,280,000 | $86,000 | $521,000 |
| Native Hawaiian or Other Pacific Islander | 42 | $10,787,000 | $256,000 | $451,000 | $58,000 | $168,000 |
| American Indian or Alaskan Native | 24 | $5,932,000 | $247,000 | $589,000 | $78,000 | $255,000 |
| Not applicable | 11 | $3,594,000 | $326,000 | $541,000 | $57,000 | $163,000 |
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) | 5,640 | $1,209,260,000 | $214,000 | $814,000 | $45,000 | $570,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2,967 | $693,077,000 | $233,000 | $1,727,000 | $104,000 | $2,260,000 |
| VA-guaranteed (Veterans Administration) | 2,727 | $608,531,000 | $223,000 | $875,000 | $44,000 | $391,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 144 | $24,477,000 | $169,000 | $378,000 | $59,000 | $186,000 |
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 |
|---|---|---|---|---|---|---|
| Loan Originated | 7,493 | $1,648,485,000 | $220,000 | $1,400,000 | $59,000 | $2,260,000 |
| Application Denied By Financial Institution | 1,759 | $387,503,000 | $220,000 | $1,560,000 | $67,000 | $661,000 |
| Application Withdrawn By Applicant | 1,125 | $251,748,000 | $223,000 | $1,727,000 | $60,000 | $1,126,000 |
| File Closed For Incompleteness | 574 | $124,571,000 | $217,000 | $1,115,000 | $64,000 | $846,000 |
| Application Approved But Not Accepted | 505 | $117,535,000 | $232,000 | $1,435,000 | $59,000 | $696,000 |
| Loan Purchased By The Institution | 22 | $5,503,000 | $250,000 | $595,000 | $41,000 | $310,000 |
| 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 | 385 | $84,905,000 | $220,000 | $750,000 | $64,000 | $661,000 |
| Credit History | 370 | $80,813,000 | $218,000 | $1,211,000 | $68,000 | $614,000 |
| Debt-To-Income Ratio | 312 | $71,764,000 | $230,000 | $1,460,000 | $57,000 | $297,000 |
| Unverifiable Information | 286 | $63,883,000 | $223,000 | $1,540,000 | $71,000 | $504,000 |
| Collateral | 266 | $55,732,000 | $209,000 | $1,560,000 | $83,000 | $570,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 62 | $14,173,000 | $228,000 | $1,300,000 | $63,000 | $325,000 |
| Employment History | 37 | $7,795,000 | $210,000 | $506,000 | $68,000 | $298,000 |
| Credit Application Incomplete | 17 | $4,342,000 | $255,000 | $626,000 | $72,000 | $208,000 |
| Mortgage Insurance Denied | 4 | $455,000 | $113,000 | $240,000 | $42,000 | $109,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Home Point Financial Corporation's 2015 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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