Meridias Capital Incorporated Mortgage Lending & HMDA Data, 2006

In 2006, Meridias Capital Incorporated of Charlotte, NC reported 14,934 mortgage applications totaling $2.7 billion, up 36% from 2005. The average application was for $180,891, and applicants reported an average income of $119,914. 89% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Las Vegas-Paradise, NV (6,499), Salt Lake City, UT (1,165) and Phoenix-Mesa-Scottsdale, AZ (915) (applications in parentheses).

Mortgage Company & Address Meridias Capital Incorporated
P.O. Box 241429
Charlotte, NC 28273
Tel #: available with data download
Federal Regulator * available with data download
Years 2010  2009  2008  2006  2005  
Total Number of Mortgage Applications 14,934
Total Mortgage Loan Application Amount $2,701,432,000
Average Mortgage Loan Application Amount $180,891
Highest Mortgage Loan Application Amount $3,300,000
Average Applicant Income $119,914
Highest Applicant Income $2,700,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Meridias Capital Incorporated filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Meridias Capital Incorporated by County in 2006

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Clark, Nevada 6,499 $ 1,271,056,000 $ 195,577 $ 119,000
Salt Lake, Utah 864 $ 129,600,000 $ 150,000 $ 92,000
Maricopa, Arizona 772 $ 158,639,000 $ 205,490 $ 129,000
Tarrant, Texas 378 $ 41,992,000 $ 111,089 $ 93,000
Dallas, Texas 322 $ 37,639,000 $ 116,891 $ 115,000
Collin, Texas 315 $ 47,374,000 $ 150,393 $ 102,000
Summit, Utah 279 $ 93,749,000 $ 336,017 $ 220,000
Utah, Utah 194 $ 28,937,000 $ 149,159 $ 108,000
Riverside, California 176 $ 40,730,000 $ 231,420 $ 121,000
Oklahoma, Oklahoma 162 $ 15,379,000 $ 94,932 $ 92,000
Los Angeles, California 147 $ 44,624,000 $ 303,564 $ 164,000
Pinal, Arizona 143 $ 21,101,000 $ 147,559 $ 99,000
Denton, Texas 139 $ 20,638,000 $ 148,474 $ 106,000
Davis, Utah 139 $ 20,399,000 $ 146,755 $ 77,000
San Diego, California 124 $ 39,005,000 $ 314,556 $ 173,000
Anchorage, Alaska 122 $ 18,359,000 $ 150,483 $ 87,000
Harris, Texas 121 $ 13,733,000 $ 113,495 $ 108,000
Bexar, Texas 119 $ 12,251,000 $ 102,949 $ 122,000
Williamson, Texas 111 $ 9,361,000 $ 84,333 $ 95,000
San Joaquin, California 105 $ 27,908,000 $ 265,790 $ 100,000
Tulsa, Oklahoma 99 $ 8,067,000 $ 81,484 $ 65,000
Cleveland, Oklahoma 92 $ 8,543,000 $ 92,858 $ 89,000
Jackson, Missouri 86 $ 8,638,000 $ 100,441 $ 103,000
San Bernardino, California 82 $ 16,906,000 $ 206,170 $ 142,000
Wasatch, Utah 69 $ 13,070,000 $ 189,420 $ 148,000
Weber, Utah 69 $ 9,229,000 $ 133,753 $ 164,000
Pima, Arizona 65 $ 8,672,000 $ 133,415 $ 143,000
Hawaii, Hawaii 65 $ 19,052,000 $ 293,107 $ 164,000
Contra Costa, California 62 $ 20,756,000 $ 334,774 $ 151,000
Montgomery, Texas 62 $ 5,709,000 $ 92,080 $ 114,000
St. Tammany, Louisiana 61 $ 7,181,000 $ 117,721 $ 121,000
Mohave, Arizona 60 $ 7,157,000 $ 119,283 $ 125,000
Travis, Texas 59 $ 6,448,000 $ 109,288 $ 103,000
Washington, Utah 55 $ 9,680,000 $ 176,000 $ 143,000
Iron, Utah 52 $ 7,304,000 $ 140,461 $ 111,000
Placer, California 49 $ 14,575,000 $ 297,448 $ 185,000
Orange, California 47 $ 19,204,000 $ 408,595 $ 372,000
Rockwall, Texas 46 $ 5,643,000 $ 122,673 $ 71,000
Canadian, Oklahoma 45 $ 3,814,000 $ 84,755 $ 95,000
Cache, Utah 43 $ 5,166,000 $ 120,139 $ 43,000
Sonoma, California 40 $ 14,357,000 $ 358,925 $ 140,000
Gwinnett, Georgia 40 $ 3,824,000 $ 95,600 $ 60,000
Bernalillo, New Mexico 37 $ 4,154,000 $ 112,270 $ 133,000
Arapahoe, Colorado 35 $ 7,772,000 $ 222,057 $ 167,000
Denver, Colorado 34 $ 5,743,000 $ 168,911 $ 112,000
Alameda, California 33 $ 10,572,000 $ 320,363 $ 181,000
Orange, Florida 33 $ 5,528,000 $ 167,515 $ 91,000
Washoe, Nevada 32 $ 7,807,000 $ 243,968 $ 158,000
Sacramento, California 31 $ 8,615,000 $ 277,903 $ 85,000
Kaufman, Texas 31 $ 3,485,000 $ 112,419 $ 80,000
Duval, Florida 30 $ 2,509,000 $ 83,633 $ 94,000
Fulton, Georgia 28 $ 3,471,000 $ 123,964 $ 107,000
Ada, Idaho 28 $ 3,052,000 $ 109,000 $ 188,000
Nye, Nevada 28 $ 4,113,000 $ 146,892 $ 106,000
Lee, Florida 27 $ 5,288,000 $ 195,851 $ 205,000
Bartow, Georgia 27 $ 1,850,000 $ 68,518 $ 245,000
Ellis, Texas 27 $ 2,324,000 $ 86,074 $ 114,000
King, Washington 27 $ 8,199,000 $ 303,666 $ 151,000
Yavapai, Arizona 25 $ 4,323,000 $ 172,920 $ 103,000
Cherokee, Georgia 25 $ 2,211,000 $ 88,440 $ 59,000
Canyon, Idaho 25 $ 2,866,000 $ 114,640 $ 159,000
Fort Bend, Texas 25 $ 1,924,000 $ 76,960 $ 85,000
Honolulu, Hawaii 24 $ 7,624,000 $ 317,666 $ 108,000
East Baton Rouge, Louisiana 24 $ 2,938,000 $ 122,416 $ 155,000
Hays, Texas 24 $ 3,142,000 $ 130,916 $ 108,000
Chatham, Georgia 23 $ 2,536,000 $ 110,260 $ 106,000
Johnson, Kansas 23 $ 2,627,000 $ 114,217 $ 72,000
Cobb, Georgia 22 $ 2,022,000 $ 91,909 $ 51,000
Tooele, Utah 22 $ 2,186,000 $ 99,363 $ 59,000
Santa Clara, California 20 $ 8,255,000 $ 412,750 $ 142,000
Douglas, Colorado 20 $ 3,524,000 $ 176,200 $ 110,000
McClain, Oklahoma 20 $ 2,466,000 $ 123,300 $ 85,000
Rogers, Oklahoma 20 $ 2,276,000 $ 113,800 $ 44,000
Larimer, Colorado 19 $ 3,462,000 $ 182,210 $ 96,000
Palm Beach, Florida 19 $ 3,412,000 $ 179,578 $ 105,000
DeKalb, Georgia 19 $ 1,714,000 $ 90,210 $ 56,000
Fresno, California 18 $ 2,900,000 $ 161,111 $ 98,000
Jefferson, Colorado 18 $ 2,618,000 $ 145,444 $ 93,000
Manatee, Florida 18 $ 8,313,000 $ 461,833 $ 255,000
Sheridan, Wyoming 18 $ 2,255,000 $ 125,277 $ 83,000
Kane, Utah 17 $ 3,787,000 $ 222,764 $ 219,000
Kern, California 16 $ 3,173,000 $ 198,312 $ 77,000
Adams, Colorado 16 $ 1,889,000 $ 118,062 $ 101,000
Hillsborough, Florida 16 $ 2,850,000 $ 178,125 $ 156,000
Imperial, California 15 $ 2,569,000 $ 171,266 $ 103,000
Broward, Florida 15 $ 3,200,000 $ 213,333 $ 314,000
Madison, Idaho 15 $ 1,222,000 $ 81,466 $ 108,000
Baltimore City, Maryland 15 $ 1,430,000 $ 95,333 $ 29,000
Hampton, Virginia 15 $ 1,625,000 $ 108,333 $ 9,000
El Paso, Colorado 14 $ 2,566,000 $ 183,285 $ 116,000
Pinellas, Florida 14 $ 2,174,000 $ 155,285 $ 123,000
Bonneville, Idaho 14 $ 1,701,000 $ 121,500 $ 122,000
Grady, Oklahoma 14 $ 1,620,000 $ 115,714 $ 66,000
Logan, Oklahoma 14 $ 1,404,000 $ 100,285 $ 67,000
Comal, Texas 14 $ 2,172,000 $ 155,142 $ 154,000
El Paso, Texas 14 $ 994,000 $ 71,000 $ 75,000
Newport News, Virginia 14 $ 1,285,000 $ 91,785 $ 73,000
Pierce, Washington 14 $ 2,389,000 $ 170,642 $ 104,000
Parker, Texas 13 $ 2,496,000 $ 192,000 $ 123,000
Matanuska-Susitna, Alaska 12 $ 1,694,000 $ 141,166 $ 100,000
Yuma, Arizona 12 $ 2,107,000 $ 175,583 $ 79,000
Pueblo, Colorado 12 $ 1,677,000 $ 139,750 $ 125,000
Valley, Idaho 12 $ 1,372,000 $ 114,333 $ 232,000
Merced, California 11 $ 4,006,000 $ 364,181 $ 241,000
Ventura, California 11 $ 4,626,000 $ 420,545 $ 171,000
Miami-Dade, Florida 11 $ 3,184,000 $ 289,454 $ 200,000
Osceola, Florida 11 $ 1,830,000 $ 166,363 $ 116,000
Santa Fe, New Mexico 11 $ 3,436,000 $ 312,363 $ 263,000
Tulare, California 10 $ 1,368,000 $ 136,800 $ 67,000
Sandoval, New Mexico 10 $ 1,253,000 $ 125,300 $ 173,000
Horry, South Carolina 10 $ 1,228,000 $ 122,800 $ 98,000
Brazoria, Texas 10 $ 891,000 $ 89,100 $ 219,000
Collier, Florida 9 $ 1,662,000 $ 184,666 $ 81,000
Polk, Florida 9 $ 693,000 $ 77,000 $ 41,000
Sarasota, Florida 9 $ 1,032,000 $ 114,666 $ 120,000
Kootenai, Idaho 9 $ 1,090,000 $ 121,111 $ 106,000
Clackamas, Oregon 9 $ 1,360,000 $ 151,111 $ 199,000
Guadalupe, Texas 9 $ 844,000 $ 93,777 $ 543,000
Smith, Texas 9 $ 1,650,000 $ 183,333 $ 223,000
Snohomish, Washington 9 $ 1,755,000 $ 195,000 $ 70,000
Coconino, Arizona 8 $ 1,699,000 $ 212,375 $ 117,000
Weld, Colorado 8 $ 1,015,000 $ 126,875 $ 95,000
Clayton, Georgia 8 $ 618,000 $ 77,250 $ 64,000
Wayne, Michigan 8 $ 483,000 $ 60,375 $ 23,000
Lincoln, Nevada 8 $ 928,000 $ 116,000 $ 128,000
Chesterfield, Virginia 8 $ 1,339,000 $ 167,375 $ 66,000
San Luis Obispo, California 7 $ 2,684,000 $ 383,428 $ 188,000
Broomfield, Colorado 7 $ 1,709,000 $ 244,142 $ 146,000
District of Columbia, District Of Columbia 7 $ 1,747,000 $ 249,571 $ 61,000
Jefferson, Louisiana 7 $ 1,142,000 $ 163,142 $ 114,000
Cass, Missouri 7 $ 547,000 $ 78,142 $ 56,000
Creek, Oklahoma 7 $ 471,000 $ 67,285 $ 10,000
Grayson, Texas 7 $ 518,000 $ 74,000 $ 34,000
Grand, Utah 7 $ 965,000 $ 137,857 $ 194,000
Spokane, Washington 7 $ 814,000 $ 116,285 $ 107,000
Thurston, Washington 7 $ 1,230,000 $ 175,714 $ 96,000
San Mateo, California 6 $ 2,601,000 $ 433,500 $ 226,000
Tuolumne, California 6 $ 1,394,000 $ 232,333 $ 109,000
Hinsdale, Colorado 6 $ 3,928,000 $ 654,666 $ 310,000
Mesa, Colorado 6 $ 1,163,000 $ 193,833 $ 194,000
Butts, Georgia 6 $ 301,000 $ 50,166 $ 67,000
Henry, Georgia 6 $ 658,000 $ 109,666 $ 67,000
Marion, Indiana 6 $ 371,000 $ 61,833 $ 71,000
Polk, Iowa 6 $ 432,000 $ 72,000 $ 98,000
Macomb, Michigan 6 $ 526,000 $ 87,666 $ 240,000
Oakland, Michigan 6 $ 2,070,000 $ 345,000 $ 70,000
Clay, Missouri 6 $ 338,000 $ 56,333 $ 78,000
Roosevelt, New Mexico 6 $ 232,000 $ 38,666 $ 180,000
Multnomah, Oregon 6 $ 533,000 $ 88,833 $ 155,000
Brazos, Texas 6 $ 503,000 $ 83,833 $ 97,000
Galveston, Texas 6 $ 835,000 $ 139,166 $ 196,000
Henrico, Virginia 6 $ 863,000 $ 143,833 $ 76,000
Norfolk, Virginia 6 $ 513,000 $ 85,500 $ 7,000
Tuscaloosa, Alabama 5 $ 316,000 $ 63,200 $ 133,000
Monterey, California 5 $ 2,068,000 $ 413,600 $ 326,000
Santa Barbara, California 5 $ 1,262,000 $ 252,400 $ 13,000
Solano, California 5 $ 1,100,000 $ 220,000 $ 93,000
Boulder, Colorado 5 $ 1,716,000 $ 343,200 $ 117,000
Eagle, Colorado 5 $ 1,844,000 $ 368,800 $ 600,000
Citrus, Florida 5 $ 378,000 $ 75,600 $ 122,000
Marion, Florida 5 $ 640,000 $ 128,000 $ 217,000
Maui, Hawaii 5 $ 5,424,000 $ 1,084,800 $ 601,000
Linn, Iowa 5 $ 380,000 $ 76,000 $ 91,000
St. Louis, Missouri 5 $ 787,000 $ 157,400 $ 83,000
Lyon, Nevada 5 $ 836,000 $ 167,200 $ 35,000
Dona Ana, New Mexico 5 $ 521,000 $ 104,200 $ 361,000
Pottawatomie, Oklahoma 5 $ 303,000 $ 60,600 $ 43,000
Chesapeake, Virginia 5 $ 959,000 $ 191,800 $ 181,000
Richmond City, Virginia 5 $ 464,000 $ 92,800 $ 54,000
Jefferson, Alabama 4 $ 491,000 $ 122,750 $ 52,000
Kenai Peninsula, Alaska 4 $ 379,000 $ 94,750 $ 117,000
Navajo, Arizona 4 $ 612,000 $ 153,000 $ 100,000
Santa Cruz, Arizona 4 $ 660,000 $ 165,000 $ 229,000
Washington, Arkansas 4 $ 320,000 $ 80,000 $ 67,000
San Francisco, California 4 $ 1,317,000 $ 329,250 $ 160,000
Garfield, Colorado 4 $ 770,000 $ 192,500 $ 258,000
Summit, Colorado 4 $ 797,000 $ 199,250 $ 77,000
Bay, Florida 4 $ 436,000 $ 109,000 $ 90,000
Hernando, Florida 4 $ 479,000 $ 119,750 $ 103,000
Lake, Florida 4 $ 1,020,000 $ 255,000 $ 246,000
Seminole, Florida 4 $ 635,000 $ 158,750 $ 131,000
Volusia, Florida 4 $ 372,000 $ 93,000 $ 71,000
Barrow, Georgia 4 $ 293,000 $ 73,250 $ 54,000
Bryan, Georgia 4 $ 495,000 $ 123,750 $ 91,000
Clarke, Georgia 4 $ 219,000 $ 54,750 $ 56,000
Hall, Georgia 4 $ 507,000 $ 126,750 $ 71,000
Houston, Georgia 4 $ 272,000 $ 68,000 $ 213,000
Elmore, Idaho 4 $ 324,000 $ 81,000 $ 150,000
Franklin, Idaho 4 $ 332,000 $ 83,000 $ 86,000
Cook, Illinois 4 $ 529,000 $ 132,250 $ 281,000
Hendricks, Indiana 4 $ 231,000 $ 57,750 $ 270,000
Montgomery, Maryland 4 $ 1,647,000 $ 411,750 $ 171,000
Ramsey, Minnesota 4 $ 1,210,000 $ 302,500 $ 187,000
Rankin, Mississippi 4 $ 352,000 $ 88,000 $ 180,000
Christian, Missouri 4 $ 136,000 $ 34,000 $ 23,000
Lafayette, Missouri 4 $ 264,000 $ 66,000 $ 52,000
Carson City, Nevada 4 $ 517,000 $ 129,250 $ 96,000
Cumberland, North Carolina 4 $ 630,000 $ 157,500 $ 124,000
Garvin, Oklahoma 4 $ 363,000 $ 90,750 $ 74,000
Wagoner, Oklahoma 4 $ 291,000 $ 72,750 $ 68,000
Allendale, South Carolina 4 $ 140,000 $ 35,000 $ 120,000
Beaufort, South Carolina 4 $ 881,000 $ 220,250 $ 112,000
Orangeburg, South Carolina 4 $ 223,000 $ 55,750 $ 90,000
Knox, Tennessee 4 $ 562,000 $ 140,500 $ 90,000
Bastrop, Texas 4 $ 262,000 $ 65,500 $ 129,000
Hidalgo, Texas 4 $ 512,000 $ 128,000 $ 139,000
Beaver, Utah 4 $ 289,000 $ 72,250 $ 58,000
Sanpete, Utah 4 $ 297,000 $ 74,250 $ 63,000
Suffolk, Virginia 4 $ 250,000 $ 62,500 $ 0
Benton, Washington 4 $ 366,000 $ 91,500 $ 76,000
Clark, Washington 4 $ 1,427,000 $ 356,750 $ 293,000
Kitsap, Washington 4 $ 635,000 $ 158,750 $ 271,000
Montgomery, Alabama 3 $ 151,000 $ 50,333 $ 63,000
Cochise, Arizona 3 $ 306,000 $ 102,000 $ 105,000
Pulaski, Arkansas 3 $ 316,000 $ 105,333 $ 81,000
Napa, California 3 $ 1,232,000 $ 410,666 $ 86,000
Grand, Colorado 3 $ 587,000 $ 195,666 $ 144,000
Montrose, Colorado 3 $ 1,100,000 $ 366,666 $ 141,000
Leon, Florida 3 $ 272,000 $ 90,666 $ 50,000
Forsyth, Georgia 3 $ 547,000 $ 182,333 $ 103,000
Calvert, Maryland 3 $ 587,000 $ 195,666 $ 91,000
Charles, Maryland 3 $ 840,000 $ 280,000 $ 150,000
Middlesex, Massachusetts 3 $ 438,000 $ 146,000 $ 81,000
Worcester, Massachusetts 3 $ 333,000 $ 111,000 $ 49,000
Isabella, Michigan 3 $ 300,000 $ 100,000 $ 75,000
Wake, North Carolina 3 $ 715,000 $ 238,333 $ 114,000
Comanche, Oklahoma 3 $ 377,000 $ 125,666 $ 108,000
Garfield, Oklahoma 3 $ 489,000 $ 163,000 $ 82,000
Osage, Oklahoma 3 $ 296,000 $ 98,666 $ 30,000
Deschutes, Oregon 3 $ 599,000 $ 199,666 $ 88,000
Lane, Oregon 3 $ 247,000 $ 82,333 $ 0
Davidson, Tennessee 3 $ 470,000 $ 156,666 $ 86,000
Rutherford, Tennessee 3 $ 417,000 $ 139,000 $ 153,000
Wilson, Tennessee 3 $ 1,008,000 $ 336,000 $ 34,000
Cooke, Texas 3 $ 358,000 $ 119,333 $ 169,000
Jefferson, Texas 3 $ 296,000 $ 98,666 $ 126,000
Johnson, Texas 3 $ 499,000 $ 166,333 $ 65,000
Box Elder, Utah 3 $ 424,000 $ 141,333 $ 65,000
Duchesne, Utah 3 $ 333,000 $ 111,000 $ 98,000
Emery, Utah 3 $ 210,000 $ 70,000 $ 43,000
Juab, Utah 3 $ 383,000 $ 127,666 $ 66,000
Rich, Utah 3 $ 480,000 $ 160,000 $ 244,000
Isle of Wight, Virginia 3 $ 824,000 $ 274,666 $ 52,000
Franklin, Washington 3 $ 401,000 $ 133,666 $ 62,000
Sweetwater, Wyoming 3 $ 345,000 $ 115,000 $ 60,000
Calaveras, California 2 $ 225,000 $ 112,500 $ 408,000
El Dorado, California 2 $ 683,000 $ 341,500 $ 186,000
Lassen, California 2 $ 425,000 $ 212,500 $ 156,000
Mono, California 2 $ 483,000 $ 241,500 $ 196,000
Shasta, California 2 $ 167,000 $ 83,500 $ 72,000
Yuba, California 2 $ 666,000 $ 333,000 $ 156,000
Chaffee, Colorado 2 $ 195,000 $ 97,500 $ 68,000
Delta, Colorado 2 $ 133,000 $ 66,500 $ 90,000
La Plata, Colorado 2 $ 200,000 $ 100,000 $ 88,000
Brevard, Florida 2 $ 205,000 $ 102,500 $ 67,000
Clay, Florida 2 $ 108,000 $ 54,000 $ 360,000
Escambia, Florida 2 $ 840,000 $ 420,000 $ 376,000
Hendry, Florida 2 $ 229,000 $ 114,500 $ 112,000
Monroe, Florida 2 $ 1,006,000 $ 503,000 $ 192,000
Walton, Florida 2 $ 375,000 $ 187,500 $ 0
Columbia, Georgia 2 $ 809,000 $ 404,500 $ 558,000
Effingham, Georgia 2 $ 114,000 $ 57,000 $ 139,000
Harris, Georgia 2 $ 385,000 $ 192,500 $ 180,000
Liberty, Georgia 2 $ 122,000 $ 61,000 $ 61,000
Newton, Georgia 2 $ 148,000 $ 74,000 $ 45,000
Bear Lake, Idaho 2 $ 692,000 $ 346,000 $ 175,000
Gem, Idaho 2 $ 122,000 $ 61,000 $ 78,000
Jefferson, Idaho 2 $ 512,000 $ 256,000 $ 121,000
Payette, Idaho 2 $ 166,000 $ 83,000 $ 41,000
Teton, Idaho 2 $ 185,000 $ 92,500 $ 48,000
Hancock, Illinois 2 $ 73,000 $ 36,500 $ 108,000
Will, Illinois 2 $ 228,000 $ 114,000 $ 83,000
Jasper, Indiana 2 $ 100,000 $ 50,000 $ 0
Lake, Indiana 2 $ 108,000 $ 54,000 $ 47,000
Putnam, Indiana 2 $ 93,000 $ 46,500 $ 120,000
Washington, Iowa 2 $ 143,000 $ 71,500 $ 53,000
Bossier, Louisiana 2 $ 105,000 $ 52,500 $ 48,000
Livingston, Louisiana 2 $ 534,000 $ 267,000 $ 216,000
Orleans, Louisiana 2 $ 150,000 $ 75,000 $ 195,000
Tangipahoa, Louisiana 2 $ 126,000 $ 63,000 $ 204,000
Anne Arundel, Maryland 2 $ 414,000 $ 207,000 $ 33,000
Baltimore, Maryland 2 $ 359,000 $ 179,500 $ 90,000
Prince George's, Maryland 2 $ 291,000 $ 145,500 $ 129,000
Kalamazoo, Michigan 2 $ 240,000 $ 120,000 $ 57,000
Livingston, Michigan 2 $ 163,000 $ 81,500 $ 48,000
Saginaw, Michigan 2 $ 738,000 $ 369,000 $ 300,000
Anoka, Minnesota 2 $ 210,000 $ 105,000 $ 143,000
Cass, Minnesota 2 $ 139,000 $ 69,500 $ 62,000
Douglas, Minnesota 2 $ 1,350,000 $ 675,000 $ 332,000
Hennepin, Minnesota 2 $ 240,000 $ 120,000 $ 170,000
Jackson, Mississippi 2 $ 318,000 $ 159,000 $ 159,000
Buchanan, Missouri 2 $ 147,000 $ 73,500 $ 49,000
Camden, Missouri 2 $ 196,000 $ 98,000 $ 294,000
Clinton, Missouri 2 $ 338,000 $ 169,000 $ 79,000
Franklin, Missouri 2 $ 236,000 $ 118,000 $ 113,000
Morgan, Missouri 2 $ 171,000 $ 85,500 $ 166,000
St. Charles, Missouri 2 $ 158,000 $ 79,000 $ 47,000
Stone, Missouri 2 $ 1,150,000 $ 575,000 $ 336,000
Taney, Missouri 2 $ 144,000 $ 72,000 $ 78,000
Beaverhead, Montana 2 $ 514,000 $ 257,000 $ 98,000
Gallatin, Montana 2 $ 310,000 $ 155,000 $ 180,000
Douglas, Nebraska 2 $ 119,000 $ 59,500 $ 108,000
Douglas, Nevada 2 $ 485,000 $ 242,500 $ 101,000
White Pine, Nevada 2 $ 157,000 $ 78,500 $ 79,000
Curry, New Mexico 2 $ 195,000 $ 97,500 $ 84,000
Lincoln, New Mexico 2 $ 157,000 $ 78,500 $ 80,000
Luna, New Mexico 2 $ 135,000 $ 67,500 $ 47,000
San Juan, New Mexico 2 $ 180,000 $ 90,000 $ 49,000
Valencia, New Mexico 2 $ 267,000 $ 133,500 $ 0
New Hanover, North Carolina 2 $ 293,000 $ 146,500 $ 144,000
Bryan, Oklahoma 2 $ 387,000 $ 193,500 $ 360,000
Kingfisher, Oklahoma 2 $ 330,000 $ 165,000 $ 153,000
Lincoln, Oklahoma 2 $ 160,000 $ 80,000 $ 43,000
Mayes, Oklahoma 2 $ 115,000 $ 57,500 $ 85,000
Pittsburg, Oklahoma 2 $ 126,000 $ 63,000 $ 32,000
Sequoyah, Oklahoma 2 $ 140,000 $ 70,000 $ 48,000
Woodward, Oklahoma 2 $ 142,000 $ 71,000 $ 101,000
Coos, Oregon 2 $ 185,000 $ 92,500 $ 46,000
Jefferson, Oregon 2 $ 218,000 $ 109,000 $ 0
Malheur, Oregon 2 $ 76,000 $ 38,000 $ 27,000
Washington, Oregon 2 $ 615,000 $ 307,500 $ 112,000
Charleston, South Carolina 2 $ 318,000 $ 159,000 $ 235,000
Anderson, Tennessee 2 $ 210,000 $ 105,000 $ 180,000
Shelby, Tennessee 2 $ 195,000 $ 97,500 $ 0
Franklin, Texas 2 $ 900,000 $ 450,000 $ 1,662,000
Gregg, Texas 2 $ 506,000 $ 253,000 $ 312,000
Grimes, Texas 2 $ 328,000 $ 164,000 $ 264,000
Hemphill, Texas 2 $ 461,000 $ 230,500 $ 192,000
Hood, Texas 2 $ 178,000 $ 89,000 $ 103,000
Hunt, Texas 2 $ 81,000 $ 40,500 $ 139,000
Potter, Texas 2 $ 384,000 $ 192,000 $ 177,000
Taylor, Texas 2 $ 87,000 $ 43,500 $ 175,000
Ward, Texas 2 $ 46,000 $ 23,000 $ 42,000
Millard, Utah 2 $ 368,000 $ 184,000 $ 40,000
Piute, Utah 2 $ 97,000 $ 48,500 $ 121,000
Uintah, Utah 2 $ 190,000 $ 95,000 $ 720,000
Hanover, Virginia 2 $ 307,000 $ 153,500 $ 36,000
Virginia Beach, Virginia 2 $ 480,000 $ 240,000 $ 86,000
York, Virginia 2 $ 490,000 $ 245,000 $ 118,000
Clallam, Washington 2 $ 418,000 $ 209,000 $ 124,000
Okanogan, Washington 2 $ 585,000 $ 292,500 $ 68,000
Walla Walla, Washington 2 $ 131,000 $ 65,500 $ 98,000
Lincoln, Wyoming 2 $ 167,000 $ 83,500 $ 202,000
DeKalb, Alabama 1 $ 125,000 $ 125,000 $ 36,000
Elmore, Alabama 1 $ 120,000 $ 120,000 $ 40,000
Madison, Alabama 1 $ 190,000 $ 190,000 $ 243,000
Apache, Arizona 1 $ 205,000 $ 205,000 $ 81,000
Graham, Arizona 1 $ 194,000 $ 194,000 $ 58,000
Cleburne, Arkansas 1 $ 50,000 $ 50,000 $ 71,000
Saline, Arkansas 1 $ 60,000 $ 60,000 $ 0
Amador, California 1 $ 259,000 $ 259,000 $ 79,000
Butte, California 1 $ 140,000 $ 140,000 $ 37,000
Lake, California 1 $ 139,000 $ 139,000 $ 180,000
Madera, California 1 $ 355,000 $ 355,000 $ 0
Nevada, California 1 $ 565,000 $ 565,000 $ 216,000
Gunnison, Colorado 1 $ 310,000 $ 310,000 $ 120,000
Lake, Colorado 1 $ 90,000 $ 90,000 $ 70,000
Montezuma, Colorado 1 $ 61,000 $ 61,000 $ 75,000
Park, Colorado 1 $ 176,000 $ 176,000 $ 0
Flagler, Florida 1 $ 650,000 $ 650,000 $ 585,000
Indian River, Florida 1 $ 123,000 $ 123,000 $ 162,000
Martin, Florida 1 $ 93,000 $ 93,000 $ 41,000
Okeechobee, Florida 1 $ 143,000 $ 143,000 $ 39,000
Pasco, Florida 1 $ 102,000 $ 102,000 $ 39,000
Bibb, Georgia 1 $ 53,000 $ 53,000 $ 0
Coweta, Georgia 1 $ 111,000 $ 111,000 $ 51,000
Douglas, Georgia 1 $ 228,000 $ 228,000 $ 122,000
Jackson, Georgia 1 $ 136,000 $ 136,000 $ 56,000
Oconee, Georgia 1 $ 206,000 $ 206,000 $ 156,000
Paulding, Georgia 1 $ 166,000 $ 166,000 $ 48,000
Adams, Idaho 1 $ 210,000 $ 210,000 $ 57,000
McHenry, Illinois 1 $ 172,000 $ 172,000 $ 94,000
Hamilton, Indiana 1 $ 135,000 $ 135,000 $ 0
Madison, Indiana 1 $ 170,000 $ 170,000 $ 321,000
Porter, Indiana 1 $ 226,000 $ 226,000 $ 518,000
Ripley, Indiana 1 $ 92,000 $ 92,000 $ 54,000
Harper, Kansas 1 $ 16,000 $ 16,000 $ 42,000
St. Martin, Louisiana 1 $ 240,000 $ 240,000 $ 82,000
Howard, Maryland 1 $ 319,000 $ 319,000 $ 126,000
Cape Girardeau, Missouri 1 $ 148,000 $ 148,000 $ 79,000
Henry, Missouri 1 $ 30,000 $ 30,000 $ 324,000
Hickory, Missouri 1 $ 60,000 $ 60,000 $ 53,000
Johnson, Missouri 1 $ 128,000 $ 128,000 $ 96,000
Lewis, Missouri 1 $ 151,000 $ 151,000 $ 28,000
Carbon, Montana 1 $ 171,000 $ 171,000 $ 109,000
Cascade, Montana 1 $ 168,000 $ 168,000 $ 96,000
Jefferson, Montana 1 $ 280,000 $ 280,000 $ 74,000
Lewis and Clark, Montana 1 $ 137,000 $ 137,000 $ 49,000
Ravalli, Montana 1 $ 316,000 $ 316,000 $ 154,000
Silver Bow, Montana 1 $ 57,000 $ 57,000 $ 73,000
Yellowstone, Montana 1 $ 140,000 $ 140,000 $ 53,000
Elko, Nevada 1 $ 136,000 $ 136,000 $ 40,000
Colfax, New Mexico 1 $ 124,000 $ 124,000 $ 37,000
McKinley, New Mexico 1 $ 92,000 $ 92,000 $ 26,000
Socorro, New Mexico 1 $ 232,000 $ 232,000 $ 65,000
Durham, North Carolina 1 $ 184,000 $ 184,000 $ 101,000
Jackson, Oklahoma 1 $ 107,000 $ 107,000 $ 37,000
Seminole, Oklahoma 1 $ 48,000 $ 48,000 $ 0
Washington, Oklahoma 1 $ 180,000 $ 180,000 $ 79,000
Benton, Oregon 1 $ 385,000 $ 385,000 $ 301,000
Clatsop, Oregon 1 $ 236,000 $ 236,000 $ 61,000
Columbia, Oregon 1 $ 223,000 $ 223,000 $ 46,000
Jackson, Oregon 1 $ 165,000 $ 165,000 $ 105,000
Lincoln, Oregon 1 $ 416,000 $ 416,000 $ 165,000
Philadelphia, Pennsylvania 1 $ 184,000 $ 184,000 $ 145,000
Aiken, South Carolina 1 $ 38,000 $ 38,000 $ 73,000
Union, South Carolina 1 $ 50,000 $ 50,000 $ 21,000
Maury, Tennessee 1 $ 218,000 $ 218,000 $ 90,000
Williamson, Tennessee 1 $ 228,000 $ 228,000 $ 36,000
Caldwell, Texas 1 $ 81,000 $ 81,000 $ 228,000
Comanche, Texas 1 $ 50,000 $ 50,000 $ 72,000
Hardeman, Texas 1 $ 81,000 $ 81,000 $ 46,000
Harrison, Texas 1 $ 200,000 $ 200,000 $ 136,000
Runnels, Texas 1 $ 148,000 $ 148,000 $ 89,000
Wise, Texas 1 $ 76,000 $ 76,000 $ 78,000
Garfield, Utah 1 $ 328,000 $ 328,000 $ 210,000
Sevier, Utah 1 $ 348,000 $ 348,000 $ 0
Wayne, Utah 1 $ 199,000 $ 199,000 $ 238,000
Clarke, Virginia 1 $ 192,000 $ 192,000 $ 0
Fairfax, Virginia 1 $ 475,000 $ 475,000 $ 259,000
Giles, Virginia 1 $ 78,000 $ 78,000 $ 21,000
Petersburg, Virginia 1 $ 165,000 $ 165,000 $ 0
Portsmouth, Virginia 1 $ 171,000 $ 171,000 $ 174,000
Chelan, Washington 1 $ 174,000 $ 174,000 $ 47,000
Cowlitz, Washington 1 $ 194,000 $ 194,000 $ 69,000
Grays Harbor, Washington 1 $ 302,000 $ 302,000 $ 175,000
Jefferson, Washington 1 $ 276,000 $ 276,000 $ 144,000
Mason, Washington 1 $ 180,000 $ 180,000 $ 73,000
Skagit, Washington 1 $ 336,000 $ 336,000 $ 76,000
Whatcom, Washington 1 $ 244,000 $ 244,000 $ 58,000

Mortgage Loan Application Detail Totals for Meridias Capital Incorporated in 2006

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
Home Purchase 10,775 $1,832,183,000 $170,000 $2,800,000 $117,000 $2,700,000
Refinancing 4,102 $857,959,000 $209,000 $3,300,000 $127,000 $1,954,000
Home Improvement 57 $11,290,000 $198,000 $1,000,000 $161,000 $780,000

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 8,515 $1,573,276,000 $184,000 $3,300,000 $130,000 $2,700,000
Hispanic 2,521 $392,435,000 $155,000 $1,500,000 $81,000 $2,075,000
Not Provided 2,395 $457,173,000 $190,000 $1,500,000 $126,000 $1,954,000
Black or African American 685 $109,881,000 $160,000 $1,000,000 $102,000 $601,000
Asian 617 $128,015,000 $207,000 $1,000,000 $127,000 $1,092,000
Native Hawaiian or Other Pacific Islander 155 $32,757,000 $211,000 $3,000,000 $125,000 $1,128,000
American Indian or Alaskan Native 46 $7,895,000 $171,000 $640,000 $107,000 $321,000
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) 14,701 $2,667,888,000 $181,000 $3,300,000 $121,000 $2,700,000
FHA-insured (Federal Housing Administration) 218 $30,290,000 $138,000 $298,000 $55,000 $201,000
VA-guaranteed (Veterans Administration) 15 $3,254,000 $216,000 $322,000 $94,000 $201,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 13,299 $2,366,067,000 $177,000 $3,000,000 $120,000 $2,700,000
Application Withdrawn By Applicant 727 $138,143,000 $190,000 $1,664,000 $120,000 $1,061,000
Application Approved But Not Accepted 505 $113,265,000 $224,000 $3,300,000 $126,000 $812,000
File Closed For Incompleteness 288 $63,489,000 $220,000 $2,100,000 $120,000 $762,000
Application Denied By Financial Institution 115 $20,468,000 $177,000 $1,160,000 $110,000 $600,000
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
Credit History 58 $10,022,000 $172,000 $1,160,000 $77,000 $600,000
Collateral 28 $4,748,000 $169,000 $960,000 $150,000 $350,000
Other 15 $3,793,000 $252,000 $760,000 $183,000 $348,000
Debt-To-Income Ratio 9 $1,549,000 $172,000 $432,000 $114,000 $318,000
Employment History 3 $179,000 $59,000 $84,000 $22,000 $66,000
Unverifiable Information 2 $177,000 $88,000 $142,000 $72,000 $72,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Meridias Capital Incorporated's 2006 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 Meridias Capital Incorporated'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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