Home Point Financial Corporation Mortgage Lending & HMDA Data, 2016
In 2016, Home Point Financial Corporation of Ann Arbor, MI reported 26,259 mortgage applications totaling $6.6 billion, up 129% from 2015. The average application was for $251,753, and applicants reported an average income of $78,179. 70% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Providence-Warwick, RI-MA (1,089), Los Angeles-Long Beach-Glendale, CA (980) and San Diego-Carlsbad, CA (969) (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 | 26,259 |
| Total Mortgage Loan Application Amount | $6,610,808,000 |
| Average Mortgage Loan Application Amount | $251,753 |
| Highest Mortgage Loan Application Amount | $2,100,000 |
| Average Applicant Income | $78,179 |
| Highest Applicant Income | $8,500,000 |
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Home Point Financial Corporation filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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-Warwick, RI-MA | 1,089 | $ 237,080,000 | $ 217,704 | $ 71,498 |
| Los Angeles-Long Beach-Glendale, CA | 980 | $ 378,633,000 | $ 386,360 | $ 129,000 |
| San Diego-Carlsbad, CA | 969 | $ 369,250,000 | $ 381,062 | $ 114,000 |
| New York-Jersey City-White Plains, NY-NJ | 904 | $ 271,235,000 | $ 300,038 | $ 96,721 |
| Atlanta-Sandy Springs-Roswell, GA | 876 | $ 183,416,000 | $ 209,378 | $ 77,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 840 | $ 268,432,000 | $ 319,561 | $ 75,179 |
| Anaheim-Santa Ana-Irvine, CA | 672 | $ 293,821,000 | $ 437,233 | $ 146,000 |
| Riverside-San Bernardino-Ontario, CA | 602 | $ 177,583,000 | $ 294,988 | $ 92,000 |
| Chicago-Naperville-Arlington Heights, IL | 568 | $ 131,383,000 | $ 231,308 | $ 93,000 |
| Baltimore-Columbia-Towson, MD | 561 | $ 149,624,000 | $ 266,709 | $ 69,000 |
| Newark, NJ-PA | 555 | $ 155,768,000 | $ 280,663 | $ 99,281 |
| Cambridge-Newton-Framingham, MA | 445 | $ 144,659,000 | $ 325,076 | $ 76,000 |
| Reading, PA | 437 | $ 72,004,000 | $ 164,768 | $ 77,000 |
| Oakland-Hayward-Berkeley, CA | 409 | $ 158,375,000 | $ 387,224 | $ 132,000 |
| Harrisburg-Carlisle, PA | 406 | $ 72,388,000 | $ 178,295 | $ 75,000 |
| Camden, NJ | 403 | $ 74,986,000 | $ 186,069 | $ 72,000 |
| Montgomery County-Bucks County-Chester County, PA | 365 | $ 92,132,000 | $ 252,416 | $ 96,000 |
| Charlotte-Concord-Gastonia, NC-SC | 349 | $ 77,820,000 | $ 222,979 | $ 99,315 |
| Denver-Aurora-Lakewood, CO | 348 | $ 96,922,000 | $ 278,511 | $ 88,000 |
| Tampa-St. Petersburg-Clearwater, FL | 340 | $ 67,711,000 | $ 199,150 | $ 58,000 |
| Seattle-Bellevue-Everett, WA | 338 | $ 106,317,000 | $ 314,547 | $ 103,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 331 | $ 127,126,000 | $ 384,066 | $ 171,000 |
| Boston, MA | 315 | $ 96,488,000 | $ 306,311 | $ 78,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 306 | $ 90,362,000 | $ 295,300 | $ 103,000 |
| Columbus, OH | 285 | $ 51,156,000 | $ 179,494 | $ 58,000 |
| Warren-Troy-Farmington Hills, MI | 285 | $ 52,378,000 | $ 183,782 | $ 68,000 |
| Wilmington, DE-MD-NJ | 282 | $ 65,069,000 | $ 230,741 | $ 79,982 |
| Philadelphia, PA | 273 | $ 54,915,000 | $ 201,153 | $ 115,000 |
| Orlando-Kissimmee-Sanford, FL | 263 | $ 54,120,000 | $ 205,779 | $ 63,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 244 | $ 53,881,000 | $ 220,823 | $ 27,983 |
| Portland-Vancouver-Hillsboro, OR-WA | 230 | $ 63,526,000 | $ 276,200 | $ 65,026 |
| Houston-The Woodlands-Sugar Land, TX | 229 | $ 50,386,000 | $ 220,026 | $ 62,000 |
| Worcester, MA-CT | 212 | $ 44,426,000 | $ 209,556 | $ 59,698 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 193 | $ 43,251,000 | $ 224,098 | $ 73,000 |
| Phoenix-Mesa-Scottsdale, AZ | 190 | $ 47,024,000 | $ 247,494 | $ 72,000 |
| Jacksonville, FL | 174 | $ 36,255,000 | $ 208,362 | $ 56,000 |
| Cape Coral-Fort Myers, FL | 166 | $ 30,715,000 | $ 185,030 | $ 82,000 |
| Silver Spring-Frederick-Rockville, MD | 160 | $ 53,544,000 | $ 334,650 | $ 100,000 |
| Tacoma-Lakewood, WA | 153 | $ 36,905,000 | $ 241,209 | $ 50,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 152 | $ 37,414,000 | $ 246,144 | $ 71,592 |
| Birmingham-Hoover, AL | 146 | $ 23,459,000 | $ 160,678 | $ 51,000 |
| San Antonio-New Braunfels, TX | 140 | $ 27,188,000 | $ 194,200 | $ 20,000 |
| Indianapolis-Carmel-Anderson, IN | 138 | $ 24,299,000 | $ 176,079 | $ 55,000 |
| Charleston-North Charleston, SC | 136 | $ 30,428,000 | $ 223,735 | $ 38,000 |
| Miami-Miami Beach-Kendall, FL | 133 | $ 30,448,000 | $ 228,932 | $ 80,000 |
| Dallas-Plano-Irving, TX | 131 | $ 29,594,000 | $ 225,908 | $ 58,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 125 | $ 27,002,000 | $ 216,016 | $ 64,000 |
| York-Hanover, PA | 121 | $ 21,704,000 | $ 179,371 | $ 64,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 109 | $ 42,265,000 | $ 387,752 | $ 155,000 |
| Raleigh, NC | 107 | $ 27,281,000 | $ 254,962 | $ 112,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 107 | $ 25,780,000 | $ 240,934 | $ 95,000 |
| Richmond, VA | 106 | $ 23,964,000 | $ 226,075 | $ 47,000 |
| Barnstable Town, MA | 104 | $ 27,070,000 | $ 260,288 | $ 59,000 |
| Colorado Springs, CO | 103 | $ 23,810,000 | $ 231,165 | $ 33,000 |
| Cincinnati, OH-KY-IN | 96 | $ 17,022,000 | $ 177,312 | $ 54,229 |
| Columbia, SC | 96 | $ 18,689,000 | $ 194,677 | $ 31,000 |
| San Francisco-Redwood City-South San Francisco, CA | 92 | $ 39,181,000 | $ 425,880 | $ 166,000 |
| Nassau County-Suffolk County, NY | 84 | $ 27,252,000 | $ 324,428 | $ 102,000 |
| Stockton-Lodi, CA | 84 | $ 23,967,000 | $ 285,321 | $ 90,000 |
| Cleveland-Elyria, OH | 83 | $ 13,284,000 | $ 160,048 | $ 63,000 |
| Louisville/Jefferson County, KY-IN | 82 | $ 15,584,000 | $ 190,048 | $ 51,475 |
| North Port-Sarasota-Bradenton, FL | 81 | $ 15,516,000 | $ 191,555 | $ 64,000 |
| Albany-Schenectady-Troy, NY | 78 | $ 14,836,000 | $ 190,205 | $ 78,000 |
| Austin-Round Rock, TX | 78 | $ 18,112,000 | $ 232,205 | $ 88,000 |
| Fort Worth-Arlington, TX | 78 | $ 14,074,000 | $ 180,435 | $ 29,000 |
| Salisbury, MD-DE | 78 | $ 16,338,000 | $ 209,461 | $ 88,897 |
| Oklahoma City, OK | 77 | $ 14,371,000 | $ 186,636 | $ 25,000 |
| Pittsburgh, PA | 72 | $ 11,158,000 | $ 154,972 | $ 68,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 70 | $ 15,010,000 | $ 214,428 | $ 67,400 |
| Deltona-Daytona Beach-Ormond Beach, FL | 70 | $ 12,595,000 | $ 179,928 | $ 45,000 |
| Detroit-Dearborn-Livonia, MI | 70 | $ 11,382,000 | $ 162,600 | $ 65,000 |
| Fresno, CA | 70 | $ 16,949,000 | $ 242,128 | $ 111,000 |
| Memphis, TN-MS-AR | 65 | $ 11,326,000 | $ 174,246 | $ 31,000 |
| Lake County-Kenosha County, IL-WI | 62 | $ 14,593,000 | $ 235,370 | $ 94,387 |
| Port St. Lucie, FL | 62 | $ 11,491,000 | $ 185,338 | $ 60,000 |
| Bakersfield, CA | 61 | $ 12,355,000 | $ 202,540 | $ 56,000 |
| Augusta-Richmond County, GA-SC | 60 | $ 11,260,000 | $ 187,666 | $ 34,283 |
| Dover, DE | 60 | $ 12,378,000 | $ 206,300 | $ 38,000 |
| Rockingham County-Strafford County, NH | 60 | $ 16,003,000 | $ 266,716 | $ 68,000 |
| Lakeland-Winter Haven, FL | 58 | $ 10,156,000 | $ 175,103 | $ 45,000 |
| Olympia-Tumwater, WA | 57 | $ 12,251,000 | $ 214,929 | $ 46,000 |
| Greenville-Anderson-Mauldin, SC | 55 | $ 11,459,000 | $ 208,345 | $ 54,000 |
| Norwich-New London, CT | 55 | $ 11,194,000 | $ 203,527 | $ 64,000 |
| Killeen-Temple, TX | 54 | $ 8,221,000 | $ 152,240 | $ 0 |
| Trenton, NJ | 54 | $ 11,523,000 | $ 213,388 | $ 85,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 53 | $ 10,833,000 | $ 204,396 | $ 52,811 |
| Elgin, IL | 51 | $ 9,679,000 | $ 189,784 | $ 96,000 |
| Vallejo-Fairfield, CA | 49 | $ 15,896,000 | $ 324,408 | $ 75,000 |
| Huntsville, AL | 47 | $ 9,787,000 | $ 208,234 | $ 53,000 |
| Manchester-Nashua, NH | 47 | $ 10,555,000 | $ 224,574 | $ 70,000 |
| New Haven-Milford, CT | 47 | $ 9,494,000 | $ 202,000 | $ 64,000 |
| Columbus, GA-AL | 46 | $ 8,703,000 | $ 189,195 | $ 21,369 |
| Hartford-West Hartford-East Hartford, CT | 46 | $ 9,650,000 | $ 209,782 | $ 47,000 |
| Palm Bay-Melbourne-Titusville, FL | 45 | $ 9,286,000 | $ 206,355 | $ 46,000 |
| Santa Rosa, CA | 45 | $ 17,823,000 | $ 396,066 | $ 106,000 |
| Anchorage, AK | 44 | $ 11,710,000 | $ 266,136 | $ 28,000 |
| Hagerstown-Martinsburg, MD-WV | 43 | $ 8,526,000 | $ 198,279 | $ 58,930 |
| Lancaster, PA | 43 | $ 7,615,000 | $ 177,093 | $ 57,000 |
| Pensacola-Ferry Pass-Brent, FL | 43 | $ 8,875,000 | $ 206,395 | $ 73,000 |
| Erie, PA | 42 | $ 6,648,000 | $ 158,285 | $ 53,000 |
| Tucson, AZ | 42 | $ 8,989,000 | $ 214,023 | $ 39,000 |
| Bridgeport-Stamford-Norwalk, CT | 41 | $ 12,093,000 | $ 294,951 | $ 87,000 |
| Clarksville, TN-KY | 41 | $ 6,997,000 | $ 170,658 | $ 19,341 |
| Gary, IN | 41 | $ 7,954,000 | $ 194,000 | $ 45,000 |
| Spokane-Spokane Valley, WA | 41 | $ 7,942,000 | $ 193,707 | $ 51,000 |
| Springfield, MA | 41 | $ 8,052,000 | $ 196,390 | $ 50,000 |
| Macon, GA | 40 | $ 7,620,000 | $ 190,500 | $ 98,000 |
| Bremerton-Silverdale, WA | 39 | $ 10,121,000 | $ 259,512 | $ 38,000 |
| Naples-Immokalee-Marco Island, FL | 38 | $ 9,902,000 | $ 260,578 | $ 95,000 |
| Dayton, OH | 37 | $ 6,251,000 | $ 168,945 | $ 29,000 |
| Crestview-Fort Walton Beach-Destin, FL | 36 | $ 8,276,000 | $ 229,888 | $ 72,000 |
| Knoxville, TN | 36 | $ 6,447,000 | $ 179,083 | $ 49,000 |
| Modesto, CA | 36 | $ 8,645,000 | $ 240,138 | $ 69,000 |
| Montgomery, AL | 36 | $ 6,409,000 | $ 178,027 | $ 29,000 |
| Savannah, GA | 35 | $ 6,120,000 | $ 174,857 | $ 28,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 35 | $ 5,427,000 | $ 155,057 | $ 53,000 |
| Shreveport-Bossier City, LA | 35 | $ 7,040,000 | $ 201,142 | $ 32,000 |
| El Paso, TX | 34 | $ 6,220,000 | $ 182,941 | $ 12,000 |
| Greensboro-High Point, NC | 34 | $ 6,171,000 | $ 181,500 | $ 56,000 |
| New Orleans-Metairie, LA | 34 | $ 7,914,000 | $ 232,764 | $ 49,000 |
| Baton Rouge, LA | 32 | $ 6,690,000 | $ 209,062 | $ 46,000 |
| Milwaukee-Waukesha-West Allis, WI | 32 | $ 7,813,000 | $ 244,156 | $ 63,000 |
| Boulder, CO | 31 | $ 9,762,000 | $ 314,903 | $ 104,000 |
| Fayetteville, NC | 31 | $ 5,415,000 | $ 174,677 | $ 14,000 |
| Greeley, CO | 30 | $ 7,379,000 | $ 245,966 | $ 64,000 |
| Tulsa, OK | 30 | $ 5,237,000 | $ 174,566 | $ 33,000 |
| Atlantic City-Hammonton, NJ | 29 | $ 6,968,000 | $ 240,275 | $ 110,000 |
| Chattanooga, TN-GA | 29 | $ 5,231,000 | $ 180,379 | $ 34,862 |
| Lebanon, PA | 29 | $ 5,235,000 | $ 180,517 | $ 46,000 |
| Ocean City, NJ | 29 | $ 6,069,000 | $ 209,275 | $ 140,000 |
| State College, PA | 29 | $ 5,191,000 | $ 179,000 | $ 89,000 |
| Tallahassee, FL | 29 | $ 6,323,000 | $ 218,034 | $ 39,000 |
| Akron, OH | 28 | $ 5,091,000 | $ 181,821 | $ 49,000 |
| Ann Arbor, MI | 28 | $ 6,320,000 | $ 225,714 | $ 109,000 |
| Boise City, ID | 28 | $ 5,991,000 | $ 213,964 | $ 34,000 |
| Fort Wayne, IN | 28 | $ 4,201,000 | $ 150,035 | $ 61,000 |
| Eugene, OR | 27 | $ 6,013,000 | $ 222,703 | $ 28,000 |
| Mobile, AL | 27 | $ 4,289,000 | $ 158,851 | $ 40,000 |
| Asheville, NC | 26 | $ 6,238,000 | $ 239,923 | $ 75,000 |
| Bend-Redmond, OR | 26 | $ 6,596,000 | $ 253,692 | $ 62,000 |
| Charlottesville, VA | 26 | $ 5,710,000 | $ 219,615 | $ 39,000 |
| Fort Collins, CO | 26 | $ 5,972,000 | $ 229,692 | $ 64,000 |
| Grand Rapids-Wyoming, MI | 26 | $ 5,027,000 | $ 193,346 | $ 58,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 26 | $ 9,490,000 | $ 365,000 | $ 93,000 |
| Wilmington, NC | 26 | $ 6,451,000 | $ 248,115 | $ 85,000 |
| Dutchess County-Putnam County, NY | 25 | $ 5,509,000 | $ 220,360 | $ 73,000 |
| Elizabethtown-Fort Knox, KY | 25 | $ 4,558,000 | $ 182,320 | $ 19,000 |
| Lafayette, LA | 25 | $ 4,210,000 | $ 168,400 | $ 41,000 |
| Panama City, FL | 24 | $ 4,362,000 | $ 181,750 | $ 48,000 |
| East Stroudsburg, PA | 23 | $ 4,077,000 | $ 177,260 | $ 53,000 |
| Spartanburg, SC | 23 | $ 4,233,000 | $ 184,043 | $ 31,000 |
| Toledo, OH | 23 | $ 3,178,000 | $ 138,173 | $ 40,000 |
| Winchester, VA-WV | 23 | $ 4,395,000 | $ 191,086 | $ 61,000 |
| California-Lexington Park, MD | 22 | $ 5,345,000 | $ 242,954 | $ 52,000 |
| Durham-Chapel Hill, NC | 22 | $ 4,946,000 | $ 224,818 | $ 109,000 |
| Gainesville, GA | 22 | $ 4,592,000 | $ 208,727 | $ 69,000 |
| Lawton, OK | 22 | $ 4,422,000 | $ 201,000 | $ 3,000 |
| Madera, CA | 22 | $ 4,352,000 | $ 197,818 | $ 64,000 |
| Ocala, FL | 22 | $ 3,331,000 | $ 151,409 | $ 41,000 |
| Santa Cruz-Watsonville, CA | 22 | $ 8,585,000 | $ 390,227 | $ 155,000 |
| Chico, CA | 21 | $ 4,870,000 | $ 231,904 | $ 66,000 |
| Madison, WI | 21 | $ 5,216,000 | $ 248,380 | $ 59,000 |
| Portland-South Portland, ME | 21 | $ 4,273,000 | $ 203,476 | $ 18,000 |
| Punta Gorda, FL | 21 | $ 3,578,000 | $ 170,380 | $ 64,000 |
| Salinas, CA | 21 | $ 7,046,000 | $ 335,523 | $ 89,000 |
| Warner Robins, GA | 21 | $ 3,694,000 | $ 175,904 | $ 37,000 |
| Albany, OR | 20 | $ 3,243,000 | $ 162,150 | $ 25,000 |
| Jacksonville, NC | 20 | $ 3,435,000 | $ 171,750 | $ 19,000 |
| Lexington-Fayette, KY | 20 | $ 4,497,000 | $ 224,850 | $ 82,000 |
| Redding, CA | 20 | $ 4,290,000 | $ 214,500 | $ 46,000 |
| South Bend-Mishawaka, IN-MI | 20 | $ 3,446,000 | $ 172,300 | $ 76,150 |
| Vineland-Bridgeton, NJ | 20 | $ 3,008,000 | $ 150,400 | $ 43,000 |
| Altoona, PA | 19 | $ 2,021,000 | $ 106,368 | $ 53,000 |
| Kennewick-Richland, WA | 19 | $ 3,622,000 | $ 190,631 | $ 41,000 |
| Salem, OR | 19 | $ 3,972,000 | $ 209,052 | $ 39,000 |
| Gainesville, FL | 18 | $ 2,925,000 | $ 162,500 | $ 15,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 18 | $ 4,314,000 | $ 239,666 | $ 34,000 |
| Hinesville, GA | 17 | $ 2,444,000 | $ 143,764 | $ 19,000 |
| St. Louis, MO-IL | 17 | $ 2,553,000 | $ 150,176 | $ 46,000 |
| Visalia-Porterville, CA | 17 | $ 3,486,000 | $ 205,058 | $ 58,000 |
| Fairbanks, AK | 16 | $ 3,408,000 | $ 213,000 | $ 14,000 |
| Florence, SC | 16 | $ 2,915,000 | $ 182,187 | $ 39,000 |
| Glens Falls, NY | 16 | $ 2,523,000 | $ 157,687 | $ 71,000 |
| Santa Maria-Santa Barbara, CA | 16 | $ 6,363,000 | $ 397,687 | $ 163,000 |
| Winston-Salem, NC | 16 | $ 2,529,000 | $ 158,062 | $ 54,000 |
| Yakima, WA | 16 | $ 3,128,000 | $ 195,500 | $ 30,000 |
| Hanford-Corcoran, CA | 15 | $ 2,577,000 | $ 171,800 | $ 39,000 |
| Huntington-Ashland, WV-KY-OH | 15 | $ 2,368,000 | $ 157,866 | $ 43,000 |
| Lake Havasu City-Kingman, AZ | 15 | $ 2,468,000 | $ 164,533 | $ 59,000 |
| Medford, OR | 15 | $ 3,265,000 | $ 217,666 | $ 20,000 |
| Sebastian-Vero Beach, FL | 15 | $ 2,683,000 | $ 178,866 | $ 56,000 |
| Corpus Christi, TX | 14 | $ 2,498,000 | $ 178,428 | $ 27,000 |
| Kansas City, MO-KS | 14 | $ 2,718,000 | $ 194,142 | $ 10,000 |
| Merced, CA | 14 | $ 3,325,000 | $ 237,500 | $ 83,000 |
| Napa, CA | 14 | $ 5,561,000 | $ 397,214 | $ 100,000 |
| Pueblo, CO | 14 | $ 2,426,000 | $ 173,285 | $ 26,000 |
| San Rafael, CA | 14 | $ 5,141,000 | $ 367,214 | $ 157,000 |
| Daphne-Fairhope-Foley, AL | 13 | $ 2,638,000 | $ 202,923 | $ 75,000 |
| Houma-Thibodaux, LA | 13 | $ 2,121,000 | $ 163,153 | $ 44,000 |
| Lynchburg, VA | 13 | $ 2,586,000 | $ 198,923 | $ 55,000 |
| Mount Vernon-Anacortes, WA | 13 | $ 3,579,000 | $ 275,307 | $ 41,000 |
| Sumter, SC | 13 | $ 2,215,000 | $ 170,384 | $ 3,000 |
| Syracuse, NY | 13 | $ 1,913,000 | $ 147,153 | $ 49,000 |
| Tuscaloosa, AL | 13 | $ 2,356,000 | $ 181,230 | $ 36,000 |
| Yuba City, CA | 13 | $ 2,531,000 | $ 194,692 | $ 32,000 |
| Chambersburg-Waynesboro, PA | 12 | $ 2,856,000 | $ 238,000 | $ 71,000 |
| Decatur, AL | 12 | $ 1,843,000 | $ 153,583 | $ 47,000 |
| El Centro, CA | 12 | $ 2,258,000 | $ 188,166 | $ 36,000 |
| Gettysburg, PA | 12 | $ 2,855,000 | $ 237,916 | $ 80,000 |
| Green Bay, WI | 12 | $ 1,833,000 | $ 152,750 | $ 6,000 |
| Omaha-Council Bluffs, NE-IA | 12 | $ 2,022,000 | $ 168,500 | $ 10,916 |
| Brunswick, GA | 11 | $ 2,288,000 | $ 208,000 | $ 63,000 |
| Burlington-South Burlington, VT | 11 | $ 2,416,000 | $ 219,636 | $ 20,000 |
| Elkhart-Goshen, IN | 11 | $ 1,491,000 | $ 135,545 | $ 25,000 |
| Flint, MI | 11 | $ 1,540,000 | $ 140,000 | $ 27,000 |
| Hickory-Lenoir-Morganton, NC | 11 | $ 2,002,000 | $ 182,000 | $ 110,000 |
| Lafayette-West Lafayette, IN | 11 | $ 1,901,000 | $ 172,818 | $ 37,000 |
| Sierra Vista-Douglas, AZ | 11 | $ 2,413,000 | $ 219,363 | $ 0 |
| The Villages, FL | 11 | $ 2,474,000 | $ 224,909 | $ 39,000 |
| Albany, GA | 10 | $ 1,501,000 | $ 150,100 | $ 20,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 10 | $ 1,316,000 | $ 131,600 | $ 43,000 |
| Jackson, MI | 10 | $ 1,628,000 | $ 162,800 | $ 69,000 |
| Jackson, TN | 10 | $ 1,290,000 | $ 129,000 | $ 0 |
| Kalamazoo-Portage, MI | 10 | $ 1,914,000 | $ 191,400 | $ 9,000 |
| Prescott, AZ | 10 | $ 2,088,000 | $ 208,800 | $ 40,000 |
| St. Cloud, MN | 10 | $ 2,421,000 | $ 242,100 | $ 85,000 |
| Bowling Green, KY | 9 | $ 1,767,000 | $ 196,333 | $ 72,000 |
| Des Moines-West Des Moines, IA | 9 | $ 2,009,000 | $ 223,222 | $ 49,000 |
| Duluth, MN-WI | 9 | $ 1,358,000 | $ 150,888 | $ 14,000 |
| Grand Junction, CO | 9 | $ 1,762,000 | $ 195,777 | $ 23,000 |
| Greenville, NC | 9 | $ 1,058,000 | $ 117,555 | $ 51,000 |
| Kingsport-Bristol-Bristol, TN-VA | 9 | $ 1,730,000 | $ 192,222 | $ 19,555 |
| McAllen-Edinburg-Mission, TX | 9 | $ 1,826,000 | $ 202,888 | $ 26,000 |
| Monroe, MI | 9 | $ 1,719,000 | $ 191,000 | $ 80,000 |
| Peoria, IL | 9 | $ 1,301,000 | $ 144,555 | $ 47,000 |
| Roanoke, VA | 9 | $ 1,810,000 | $ 201,111 | $ 62,000 |
| Wenatchee, WA | 9 | $ 1,793,000 | $ 199,222 | $ 91,000 |
| Youngstown-Warren-Boardman, OH-PA | 9 | $ 1,104,000 | $ 122,666 | $ 15,000 |
| Appleton, WI | 8 | $ 1,256,000 | $ 157,000 | $ 42,000 |
| Auburn-Opelika, AL | 8 | $ 1,296,000 | $ 162,000 | $ 28,000 |
| Bellingham, WA | 8 | $ 2,164,000 | $ 270,500 | $ 56,000 |
| Bloomsburg-Berwick, PA | 8 | $ 1,170,000 | $ 146,250 | $ 52,000 |
| Canton-Massillon, OH | 8 | $ 1,216,000 | $ 152,000 | $ 48,000 |
| Cleveland, TN | 8 | $ 1,350,000 | $ 168,750 | $ 48,000 |
| Davenport-Moline-Rock Island, IA-IL | 8 | $ 1,816,000 | $ 227,000 | $ 36,375 |
| Evansville, IN-KY | 8 | $ 1,102,000 | $ 137,750 | $ 51,000 |
| Kingston, NY | 8 | $ 1,595,000 | $ 199,375 | $ 62,000 |
| Rockford, IL | 8 | $ 1,142,000 | $ 142,750 | $ 28,000 |
| Waco, TX | 8 | $ 1,456,000 | $ 182,000 | $ 16,000 |
| Wichita, KS | 8 | $ 1,370,000 | $ 171,250 | $ 5,000 |
| Amarillo, TX | 7 | $ 1,031,000 | $ 147,285 | $ 26,000 |
| Blacksburg-Christiansburg-Radford, VA | 7 | $ 1,309,000 | $ 187,000 | $ 40,000 |
| Cedar Rapids, IA | 7 | $ 1,264,000 | $ 180,571 | $ 18,000 |
| Dothan, AL | 7 | $ 1,254,000 | $ 179,142 | $ 40,000 |
| Longview, TX | 7 | $ 1,019,000 | $ 145,571 | $ 7,000 |
| Michigan City-La Porte, IN | 7 | $ 1,207,000 | $ 172,428 | $ 47,000 |
| Springfield, OH | 7 | $ 1,148,000 | $ 164,000 | $ 52,000 |
| Valdosta, GA | 7 | $ 1,081,000 | $ 154,428 | $ 3,000 |
| Walla Walla, WA | 7 | $ 1,231,000 | $ 175,857 | $ 0 |
| Athens-Clarke County, GA | 6 | $ 1,315,000 | $ 219,166 | $ 83,000 |
| Beaumont-Port Arthur, TX | 6 | $ 1,253,000 | $ 208,833 | $ 35,000 |
| Burlington, NC | 6 | $ 891,000 | $ 148,500 | $ 32,000 |
| Charleston, WV | 6 | $ 764,000 | $ 127,333 | $ 41,000 |
| College Station-Bryan, TX | 6 | $ 999,000 | $ 166,500 | $ 25,000 |
| Flagstaff, AZ | 6 | $ 1,282,000 | $ 213,666 | $ 47,000 |
| Grand Forks, ND-MN | 6 | $ 1,317,000 | $ 219,500 | $ 25,000 |
| Grants Pass, OR | 6 | $ 1,669,000 | $ 278,166 | $ 42,000 |
| Laredo, TX | 6 | $ 983,000 | $ 163,833 | $ 9,000 |
| Lewiston-Auburn, ME | 6 | $ 1,010,000 | $ 168,333 | $ 44,000 |
| Longview, WA | 6 | $ 1,212,000 | $ 202,000 | $ 27,000 |
| Lubbock, TX | 6 | $ 1,220,000 | $ 203,333 | $ 59,000 |
| Rochester, NY | 6 | $ 755,000 | $ 125,833 | $ 59,000 |
| Urban Honolulu, HI | 6 | $ 2,647,000 | $ 441,166 | $ 0 |
| Williamsport, PA | 6 | $ 1,087,000 | $ 181,166 | $ 65,000 |
| Alexandria, LA | 5 | $ 1,122,000 | $ 224,400 | $ 32,000 |
| Battle Creek, MI | 5 | $ 964,000 | $ 192,800 | $ 28,000 |
| Homosassa Springs, FL | 5 | $ 756,000 | $ 151,200 | $ 19,000 |
| Johnson City, TN | 5 | $ 927,000 | $ 185,400 | $ 31,000 |
| Johnstown, PA | 5 | $ 629,000 | $ 125,800 | $ 41,000 |
| Kokomo, IN | 5 | $ 576,000 | $ 115,200 | $ 34,000 |
| Lansing-East Lansing, MI | 5 | $ 890,000 | $ 178,000 | $ 71,000 |
| Mansfield, OH | 5 | $ 663,000 | $ 132,600 | $ 18,000 |
| Monroe, LA | 5 | $ 823,000 | $ 164,600 | $ 33,000 |
| New Bern, NC | 5 | $ 636,000 | $ 127,200 | $ 62,000 |
| Racine, WI | 5 | $ 1,079,000 | $ 215,800 | $ 38,000 |
| Saginaw, MI | 5 | $ 835,000 | $ 167,000 | $ 0 |
| Utica-Rome, NY | 5 | $ 741,000 | $ 148,200 | $ 77,000 |
| Yuma, AZ | 5 | $ 1,040,000 | $ 208,000 | $ 48,000 |
| Abilene, TX | 4 | $ 835,000 | $ 208,750 | $ 42,000 |
| Anniston-Oxford-Jacksonville, AL | 4 | $ 1,026,000 | $ 256,500 | $ 55,000 |
| Binghamton, NY | 4 | $ 506,000 | $ 126,500 | $ 45,000 |
| Brownsville-Harlingen, TX | 4 | $ 894,000 | $ 223,500 | $ 0 |
| Coeur D'Alene, ID | 4 | $ 960,000 | $ 240,000 | $ 107,000 |
| Dalton, GA | 4 | $ 648,000 | $ 162,000 | $ 67,000 |
| Great Falls, MT | 4 | $ 646,000 | $ 161,500 | $ 0 |
| Harrisonburg, VA | 4 | $ 827,000 | $ 206,750 | $ 28,000 |
| Kankakee, IL | 4 | $ 592,000 | $ 148,000 | $ 36,000 |
| Lake Charles, LA | 4 | $ 726,000 | $ 181,500 | $ 37,000 |
| Lima, OH | 4 | $ 525,000 | $ 131,250 | $ 29,000 |
| Midland, MI | 4 | $ 757,000 | $ 189,250 | $ 36,000 |
| Midland, TX | 4 | $ 1,333,000 | $ 333,250 | $ 48,000 |
| Odessa, TX | 4 | $ 654,000 | $ 163,500 | $ 0 |
| Sherman-Denison, TX | 4 | $ 490,000 | $ 122,500 | $ 23,000 |
| Staunton-Waynesboro, VA | 4 | $ 671,000 | $ 167,750 | $ 46,000 |
| Terre Haute, IN | 4 | $ 981,000 | $ 245,250 | $ 249,000 |
| Tyler, TX | 4 | $ 769,000 | $ 192,250 | $ 28,000 |
| Waterloo-Cedar Falls, IA | 4 | $ 733,000 | $ 183,250 | $ 30,000 |
| Wheeling, WV-OH | 4 | $ 584,000 | $ 146,000 | $ 43,500 |
| Bloomington, IN | 3 | $ 558,000 | $ 186,000 | $ 43,000 |
| Fargo, ND-MN | 3 | $ 735,000 | $ 245,000 | $ 0 |
| Fond Du Lac, WI | 3 | $ 533,000 | $ 177,666 | $ 39,000 |
| Iowa City, IA | 3 | $ 961,000 | $ 320,333 | $ 82,000 |
| Lewiston, ID-WA | 3 | $ 426,000 | $ 142,000 | $ 25,666 |
| Morristown, TN | 3 | $ 499,000 | $ 166,333 | $ 56,000 |
| Muncie, IN | 3 | $ 297,000 | $ 99,000 | $ 16,000 |
| Niles-Benton Harbor, MI | 3 | $ 398,000 | $ 132,666 | $ 0 |
| Oshkosh-Neenah, WI | 3 | $ 499,000 | $ 166,333 | $ 100,000 |
| Pittsfield, MA | 3 | $ 485,000 | $ 161,666 | $ 39,000 |
| Rochester, MN | 3 | $ 531,000 | $ 177,000 | $ 71,000 |
| Rome, GA | 3 | $ 547,000 | $ 182,333 | $ 77,000 |
| Sebring, FL | 3 | $ 463,000 | $ 154,333 | $ 76,000 |
| Sheboygan, WI | 3 | $ 642,000 | $ 214,000 | $ 179,000 |
| Topeka, KS | 3 | $ 518,000 | $ 172,666 | $ 0 |
| Bangor, ME | 2 | $ 300,000 | $ 150,000 | $ 45,000 |
| Bay City, MI | 2 | $ 293,000 | $ 146,500 | $ 0 |
| Billings, MT | 2 | $ 409,000 | $ 204,500 | $ 0 |
| Bismarck, ND | 2 | $ 670,000 | $ 335,000 | $ 0 |
| Champaign-Urbana, IL | 2 | $ 214,000 | $ 107,000 | $ 0 |
| Cheyenne, WY | 2 | $ 453,000 | $ 226,500 | $ 97,000 |
| Corvallis, OR | 2 | $ 470,000 | $ 235,000 | $ 65,000 |
| Cumberland, MD-WV | 2 | $ 338,000 | $ 169,000 | $ 19,500 |
| Eau Claire, WI | 2 | $ 429,000 | $ 214,500 | $ 0 |
| Florence-Muscle Shoals, AL | 2 | $ 355,000 | $ 177,500 | $ 60,000 |
| Fort Smith, AR-OK | 2 | $ 263,000 | $ 131,500 | $ 0 |
| Gadsden, AL | 2 | $ 240,000 | $ 120,000 | $ 47,000 |
| Goldsboro, NC | 2 | $ 265,000 | $ 132,500 | $ 29,000 |
| La Crosse-Onalaska, WI-MN | 2 | $ 295,000 | $ 147,500 | $ 0 |
| Mankato-North Mankato, MN | 2 | $ 424,000 | $ 212,000 | $ 0 |
| Muskegon, MI | 2 | $ 431,000 | $ 215,500 | $ 180,000 |
| Owensboro, KY | 2 | $ 294,000 | $ 147,000 | $ 0 |
| Parkersburg-Vienna, WV | 2 | $ 282,000 | $ 141,000 | $ 12,000 |
| Rapid City, SD | 2 | $ 374,000 | $ 187,000 | $ 21,000 |
| Rocky Mount, NC | 2 | $ 374,000 | $ 187,000 | $ 102,000 |
| Sioux City, IA-NE-SD | 2 | $ 232,000 | $ 116,000 | $ 24,000 |
| Sioux Falls, SD | 2 | $ 288,000 | $ 144,000 | $ 0 |
| Victoria, TX | 2 | $ 354,000 | $ 177,000 | $ 0 |
| Watertown-Fort Drum, NY | 2 | $ 382,000 | $ 191,000 | $ 31,000 |
| Wausau, WI | 2 | $ 389,000 | $ 194,500 | $ 0 |
| Wichita Falls, TX | 2 | $ 282,000 | $ 141,000 | $ 0 |
| Beckley, WV | 1 | $ 136,000 | $ 136,000 | $ 0 |
| Bloomington, IL | 1 | $ 167,000 | $ 167,000 | $ 0 |
| Carbondale-Marion, IL | 1 | $ 171,000 | $ 171,000 | $ 0 |
| Casper, WY | 1 | $ 303,000 | $ 303,000 | $ 0 |
| Columbus, IN | 1 | $ 121,000 | $ 121,000 | $ 62,000 |
| Decatur, IL | 1 | $ 125,000 | $ 125,000 | $ 61,000 |
| Hammond, LA | 1 | $ 140,000 | $ 140,000 | $ 51,000 |
| Idaho Falls, ID | 1 | $ 298,000 | $ 298,000 | $ 127,000 |
| Ithaca, NY | 1 | $ 130,000 | $ 130,000 | $ 35,000 |
| Janesville-Beloit, WI | 1 | $ 90,000 | $ 90,000 | $ 71,000 |
| Kahului-Wailuku-Lahaina, HI | 1 | $ 382,000 | $ 382,000 | $ 0 |
| Lawrence, KS | 1 | $ 336,000 | $ 336,000 | $ 0 |
| Lincoln, NE | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Manhattan, KS | 1 | $ 159,000 | $ 159,000 | $ 0 |
| Missoula, MT | 1 | $ 158,000 | $ 158,000 | $ 0 |
| San Angelo, TX | 1 | $ 132,000 | $ 132,000 | $ 0 |
| Springfield, IL | 1 | $ 182,000 | $ 182,000 | $ 69,000 |
Mortgage Loan Application Detail Totals for Home Point Financial Corporation in 2016
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 | 12,731 | $3,269,925,000 | $256,000 | $1,485,000 | $62,000 | $3,672,000 |
| Home Purchase | 8,103 | $1,946,094,000 | $240,000 | $1,755,000 | $91,000 | $8,500,000 |
| Home Improvement | 5,425 | $1,394,789,000 | $257,000 | $2,100,000 | $97,000 | $1,715,000 |
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 | 15,952 | $3,923,457,000 | $245,000 | $1,755,000 | $78,000 | $8,500,000 |
| Not Provided | 3,101 | $842,374,000 | $271,000 | $1,224,000 | $94,000 | $1,729,000 |
| Black or African American | 2,882 | $640,114,000 | $222,000 | $2,100,000 | $45,000 | $818,000 |
| Hispanic | 2,553 | $644,614,000 | $252,000 | $950,000 | $66,000 | $5,820,000 |
| Asian | 1,572 | $507,778,000 | $323,000 | $926,000 | $132,000 | $1,860,000 |
| Native Hawaiin or Other Pacific Islander | 105 | $31,052,000 | $295,000 | $581,000 | $66,000 | $216,000 |
| American Indian or Alaskan Native | 94 | $21,419,000 | $227,000 | $572,000 | $58,000 | $340,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 11,101 | $3,140,087,000 | $282,000 | $2,100,000 | $129,000 | $8,500,000 |
| FHA-insured (Federal Housing Administration) | 7,740 | $1,693,162,000 | $218,000 | $1,224,000 | $49,000 | $659,000 |
| VA-guaranteed (Veterans Administration) | 7,144 | $1,730,704,000 | $242,000 | $1,164,000 | $33,000 | $3,672,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 274 | $46,855,000 | $171,000 | $409,000 | $57,000 | $120,000 |
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 | 18,339 | $4,690,170,000 | $255,000 | $1,240,000 | $80,000 | $2,872,000 |
| Application Withdrawn By Applicant | 4,950 | $1,224,560,000 | $247,000 | $1,540,000 | $78,000 | $5,820,000 |
| Application Denied By Financial Institution | 1,304 | $300,290,000 | $230,000 | $1,224,000 | $72,000 | $3,672,000 |
| File Closed For Incompleteness | 1,092 | $255,753,000 | $234,000 | $2,100,000 | $64,000 | $760,000 |
| Application Approved But Not Accepted | 574 | $140,035,000 | $243,000 | $1,200,000 | $73,000 | $8,500,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 367 | $87,257,000 | $237,000 | $949,000 | $57,000 | $266,000 |
| Credit History | 306 | $65,862,000 | $215,000 | $862,000 | $77,000 | $3,672,000 |
| Collateral | 302 | $67,836,000 | $224,000 | $1,224,000 | $92,000 | $690,000 |
| Other | 121 | $29,655,000 | $245,000 | $950,000 | $70,000 | $673,000 |
| Unverifiable Information | 62 | $16,651,000 | $268,000 | $1,000,000 | $80,000 | $358,000 |
| Employment History | 54 | $10,972,000 | $203,000 | $416,000 | $49,000 | $180,000 |
| Credit Application Incomplete | 47 | $10,946,000 | $232,000 | $476,000 | $56,000 | $140,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 43 | $10,218,000 | $237,000 | $667,000 | $65,000 | $218,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Home Point Financial Corporation's 2016 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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