Meridias Capital Incorporated Mortgage Lending & HMDA Data, 2010
In 2010, Meridias Capital Incorporated of Charlotte, NC reported 2,585 mortgage applications totaling $471.8 million, up 30% from 2009. The average application was for $182,528, and applicants reported an average income of $61,165. 11% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Las Vegas-Paradise, NV (323), Atlanta-Sandy Springs-Marietta, GA (82) and Phoenix-Mesa-Glendale, AZ (46) (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 | 2,585 |
| Total Mortgage Loan Application Amount | $471,836,000 |
| Average Mortgage Loan Application Amount | $182,528 |
| Highest Mortgage Loan Application Amount | $1,946,000 |
| Average Applicant Income | $61,165 |
| Highest Applicant Income | $1,273,000 |
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records Meridias Capital Incorporated filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Las Vegas-Paradise, NV | 323 | $ 54,202,000 | $ 167,808 | $ 86,000 |
| Atlanta-Sandy Springs-Marietta, GA | 82 | $ 13,582,000 | $ 165,634 | $ 70,000 |
| Phoenix-Mesa-Glendale, AZ | 46 | $ 6,987,000 | $ 151,891 | $ 98,000 |
| New York-White Plains-Wayne, NY-NJ | 29 | $ 12,159,000 | $ 419,275 | $ 81,551 |
| Chicago-Joliet-Naperville, IL | 28 | $ 4,889,000 | $ 174,607 | $ 54,000 |
| Edison-New Brunswick, NJ | 25 | $ 6,481,000 | $ 259,240 | $ 67,000 |
| Los Angeles-Long Beach-Glendale, CA | 21 | $ 11,051,000 | $ 526,238 | $ 157,000 |
| Seattle-Bellevue-Everett, WA | 21 | $ 6,107,000 | $ 290,809 | $ 90,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 19 | $ 4,500,000 | $ 236,842 | $ 49,315 |
| Philadelphia, PA | 18 | $ 2,890,000 | $ 160,555 | $ 59,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 18 | $ 5,038,000 | $ 279,888 | $ 114,888 |
| Newark-Union, NJ-PA | 16 | $ 4,722,000 | $ 295,125 | $ 101,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 15 | $ 2,590,000 | $ 172,666 | $ 67,400 |
| Riverside-San Bernardino-Ontario, CA | 15 | $ 3,519,000 | $ 234,600 | $ 95,000 |
| Colorado Springs, CO | 14 | $ 3,116,000 | $ 222,571 | $ 42,000 |
| St. Louis, MO-IL | 12 | $ 2,239,000 | $ 186,583 | $ 49,500 |
| Denver-Aurora-Broomfield, CO | 10 | $ 2,016,000 | $ 201,600 | $ 81,000 |
| Baltimore-Towson, MD | 9 | $ 2,689,000 | $ 298,777 | $ 60,000 |
| Boston-Quincy, MA | 9 | $ 2,267,000 | $ 251,888 | $ 79,000 |
| Charleston-North Charleston-Summerville, SC | 9 | $ 1,648,000 | $ 183,111 | $ 39,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 9 | $ 1,942,000 | $ 215,777 | $ 60,000 |
| Nassau-Suffolk, NY | 9 | $ 3,859,000 | $ 428,777 | $ 134,000 |
| Ogden-Clearfield, UT | 9 | $ 1,794,000 | $ 199,333 | $ 64,000 |
| Pittsburgh, PA | 9 | $ 1,673,000 | $ 185,888 | $ 78,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 9 | $ 1,716,000 | $ 190,666 | $ 58,000 |
| Salt Lake City, UT | 9 | $ 1,482,000 | $ 164,666 | $ 46,000 |
| Camden, NJ | 8 | $ 1,580,000 | $ 197,500 | $ 48,000 |
| Fort Worth-Arlington, TX | 8 | $ 942,000 | $ 117,750 | $ 60,000 |
| Jacksonville, FL | 8 | $ 1,688,000 | $ 211,000 | $ 65,000 |
| Dallas-Plano-Irving, TX | 7 | $ 1,128,000 | $ 161,142 | $ 85,000 |
| Harrisburg-Carlisle, PA | 7 | $ 1,067,000 | $ 152,428 | $ 61,000 |
| Houston-Sugar Land-Baytown, TX | 7 | $ 892,000 | $ 127,428 | $ 78,000 |
| Orlando-Kissimmee-Sanford, FL | 7 | $ 1,288,000 | $ 184,000 | $ 46,000 |
| Santa Ana-Anaheim-Irvine, CA | 7 | $ 3,779,000 | $ 539,857 | $ 60,000 |
| Tacoma, WA | 7 | $ 1,224,000 | $ 174,857 | $ 67,000 |
| Tampa-St. Petersburg-Clearwater, FL | 7 | $ 1,050,000 | $ 150,000 | $ 61,000 |
| Birmingham-Hoover, AL | 6 | $ 829,000 | $ 138,166 | $ 42,000 |
| Cincinnati-Middletown, OH-KY-IN | 6 | $ 749,000 | $ 124,833 | $ 45,000 |
| Indianapolis-Carmel, IN | 6 | $ 814,000 | $ 135,666 | $ 53,000 |
| Ocala, FL | 6 | $ 1,095,000 | $ 182,500 | $ 29,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 6 | $ 1,325,000 | $ 220,833 | $ 26,666 |
| Worcester, MA | 6 | $ 1,740,000 | $ 290,000 | $ 72,000 |
| Cambridge-Newton-Framingham, MA | 5 | $ 1,390,000 | $ 278,000 | $ 140,000 |
| Kansas City, MO-KS | 5 | $ 639,000 | $ 127,800 | $ 74,800 |
| Louisville-Jefferson County, KY-IN | 5 | $ 667,000 | $ 133,400 | $ 59,200 |
| Manchester-Nashua, NH | 5 | $ 1,285,000 | $ 257,000 | $ 89,000 |
| Memphis, TN-MS-AR | 5 | $ 319,000 | $ 63,800 | $ 38,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 5 | $ 798,000 | $ 159,600 | $ 20,000 |
| Peabody, MA | 5 | $ 1,003,000 | $ 200,600 | $ 52,000 |
| Providence-New Bedford-Fall River, RI-MA | 5 | $ 1,374,000 | $ 274,800 | $ 106,600 |
| Raleigh-Cary, NC | 5 | $ 1,095,000 | $ 219,000 | $ 0 |
| Savannah, GA | 5 | $ 650,000 | $ 130,000 | $ 58,000 |
| South Bend-Mishawaka, IN-MI | 5 | $ 553,000 | $ 110,600 | $ 39,000 |
| Tucson, AZ | 5 | $ 585,000 | $ 117,000 | $ 73,000 |
| Yuma, AZ | 5 | $ 887,000 | $ 177,400 | $ 29,000 |
| Fayetteville, NC | 4 | $ 760,000 | $ 190,000 | $ 34,000 |
| Gainesville, GA | 4 | $ 598,000 | $ 149,500 | $ 35,000 |
| Greenville-Mauldin-Easley, SC | 4 | $ 709,000 | $ 177,250 | $ 25,000 |
| Honolulu, HI | 4 | $ 2,109,000 | $ 527,250 | $ 76,000 |
| Knoxville, TN | 4 | $ 581,000 | $ 145,250 | $ 37,000 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 806,000 | $ 201,500 | $ 138,000 |
| Milwaukee-Waukesha-West Allis, WI | 4 | $ 595,000 | $ 148,750 | $ 29,000 |
| Oakland-Fremont-Hayward, CA | 4 | $ 1,320,000 | $ 330,000 | $ 107,000 |
| Rockingham County-Strafford County, NH | 4 | $ 1,094,000 | $ 273,500 | $ 98,000 |
| San Antonio-New Braunfels, TX | 4 | $ 605,000 | $ 151,250 | $ 21,000 |
| Spartanburg, SC | 4 | $ 700,000 | $ 175,000 | $ 68,000 |
| Albuquerque, NM | 3 | $ 396,000 | $ 132,000 | $ 40,000 |
| Asheville, NC | 3 | $ 360,000 | $ 120,000 | $ 36,000 |
| Bethesda-Rockville-Frederick, MD | 3 | $ 2,302,000 | $ 767,333 | $ 145,000 |
| Charlottesville, VA | 3 | $ 421,000 | $ 140,333 | $ 119,000 |
| Eugene-Springfield, OR | 3 | $ 768,000 | $ 256,000 | $ 40,000 |
| Flagstaff, AZ | 3 | $ 887,000 | $ 295,666 | $ 99,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 413,000 | $ 137,666 | $ 43,000 |
| Gary, IN | 3 | $ 178,000 | $ 59,333 | $ 46,000 |
| Grand Junction, CO | 3 | $ 514,000 | $ 171,333 | $ 39,000 |
| Hagerstown-Martinsburg, MD-WV | 3 | $ 525,000 | $ 175,000 | $ 55,666 |
| Lakeland-Winter Haven, FL | 3 | $ 315,000 | $ 105,000 | $ 38,000 |
| Little Rock-North Little Rock-Conway, AR | 3 | $ 264,000 | $ 88,000 | $ 17,000 |
| New Orleans-Metairie-Kenner, LA | 3 | $ 439,000 | $ 146,333 | $ 89,000 |
| Olympia, WA | 3 | $ 597,000 | $ 199,000 | $ 59,000 |
| Omaha-Council Bluffs, NE-IA | 3 | $ 554,000 | $ 184,666 | $ 28,000 |
| Prescott, AZ | 3 | $ 492,000 | $ 164,000 | $ 50,000 |
| Reno-Sparks, NV | 3 | $ 527,000 | $ 175,666 | $ 111,000 |
| Richmond, VA | 3 | $ 551,000 | $ 183,666 | $ 66,000 |
| Rockford, IL | 3 | $ 240,000 | $ 80,000 | $ 20,000 |
| Spokane, WA | 3 | $ 407,000 | $ 135,666 | $ 37,000 |
| St. George, UT | 3 | $ 801,000 | $ 267,000 | $ 29,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 516,000 | $ 172,000 | $ 47,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 3 | $ 599,000 | $ 199,666 | $ 61,000 |
| Wilmington, DE-MD-NJ | 3 | $ 670,000 | $ 223,333 | $ 19,000 |
| Wilmington, NC | 3 | $ 384,000 | $ 128,000 | $ 51,000 |
| Yakima, WA | 3 | $ 884,000 | $ 294,666 | $ 86,000 |
| Albany, GA | 2 | $ 355,000 | $ 177,500 | $ 15,000 |
| Athens-Clarke County, GA | 2 | $ 537,000 | $ 268,500 | $ 111,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 197,000 | $ 98,500 | $ 40,000 |
| Austin-Round Rock-San Marcos, TX | 2 | $ 511,000 | $ 255,500 | $ 70,000 |
| Barnstable Town, MA | 2 | $ 471,000 | $ 235,500 | $ 25,000 |
| Bloomington, IN | 2 | $ 234,000 | $ 117,000 | $ 60,000 |
| Buffalo-Niagara Falls, NY | 2 | $ 106,000 | $ 53,000 | $ 39,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 145,000 | $ 72,500 | $ 40,000 |
| Columbia, SC | 2 | $ 143,000 | $ 71,500 | $ 36,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 440,000 | $ 220,000 | $ 48,000 |
| Detroit-Livonia-Dearborn, MI | 2 | $ 141,000 | $ 70,500 | $ 50,000 |
| Durham-Chapel Hill, NC | 2 | $ 199,000 | $ 99,500 | $ 32,000 |
| Erie, PA | 2 | $ 234,000 | $ 117,000 | $ 45,000 |
| Fresno, CA | 2 | $ 369,000 | $ 184,500 | $ 45,000 |
| Greeley, CO | 2 | $ 504,000 | $ 252,000 | $ 87,000 |
| Greensboro-High Point, NC | 2 | $ 223,000 | $ 111,500 | $ 32,000 |
| Gulfport-Biloxi, MS | 2 | $ 230,000 | $ 115,000 | $ 37,000 |
| Janesville, WI | 2 | $ 346,000 | $ 173,000 | $ 0 |
| Kennewick-Pasco-Richland, WA | 2 | $ 297,000 | $ 148,500 | $ 15,000 |
| Killeen-Temple-Fort Hood, TX | 2 | $ 253,000 | $ 126,500 | $ 46,000 |
| Lafayette, IN | 2 | $ 254,000 | $ 127,000 | $ 37,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 249,000 | $ 124,500 | $ 120,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 398,000 | $ 199,000 | $ 140,000 |
| Las Cruces, NM | 2 | $ 206,000 | $ 103,000 | $ 15,000 |
| Mount Vernon-Anacortes, WA | 2 | $ 600,000 | $ 300,000 | $ 20,000 |
| Oklahoma City, OK | 2 | $ 321,000 | $ 160,500 | $ 24,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 306,000 | $ 153,000 | $ 9,000 |
| Portland-South Portland-Biddeford, ME | 2 | $ 963,000 | $ 481,500 | $ 182,000 |
| Reading, PA | 2 | $ 772,000 | $ 386,000 | $ 4,000 |
| Rochester, NY | 2 | $ 201,000 | $ 100,500 | $ 19,000 |
| Rocky Mount, NC | 2 | $ 237,000 | $ 118,500 | $ 34,000 |
| Salem, OR | 2 | $ 355,000 | $ 177,500 | $ 15,000 |
| San Diego-Carlsbad-San Marcos, CA | 2 | $ 665,000 | $ 332,500 | $ 0 |
| San Francisco-San Mateo-Redwood City, CA | 2 | $ 1,060,000 | $ 530,000 | $ 161,000 |
| Scranton--Wilkes-Barre, PA | 2 | $ 236,000 | $ 118,000 | $ 34,000 |
| Shreveport-Bossier City, LA | 2 | $ 222,000 | $ 111,000 | $ 23,000 |
| Tuscaloosa, AL | 2 | $ 131,000 | $ 65,500 | $ 22,000 |
| Wenatchee-East Wenatchee, WA | 2 | $ 196,000 | $ 98,000 | $ 32,000 |
| Winston-Salem, NC | 2 | $ 198,000 | $ 99,000 | $ 9,000 |
| York-Hanover, PA | 2 | $ 439,000 | $ 219,500 | $ 84,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 144,000 | $ 144,000 | $ 9,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 225,000 | $ 225,000 | $ 48,000 |
| Anchorage, AK | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Anderson, SC | 1 | $ 314,000 | $ 314,000 | $ 58,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 221,000 | $ 221,000 | $ 60,000 |
| Auburn-Opelika, AL | 1 | $ 191,000 | $ 191,000 | $ 0 |
| Bakersfield-Delano, CA | 1 | $ 125,000 | $ 125,000 | $ 8,000 |
| Bangor, ME | 1 | $ 119,000 | $ 119,000 | $ 87,000 |
| Battle Creek, MI | 1 | $ 156,000 | $ 156,000 | $ 38,000 |
| Bend, OR | 1 | $ 290,000 | $ 290,000 | $ 0 |
| Boise City-Nampa, ID | 1 | $ 150,000 | $ 150,000 | $ 67,000 |
| Boulder, CO | 1 | $ 335,000 | $ 335,000 | $ 128,000 |
| Bremerton-Silverdale, WA | 1 | $ 250,000 | $ 250,000 | $ 70,000 |
| Burlington, NC | 1 | $ 71,000 | $ 71,000 | $ 36,000 |
| Carson City, NV | 1 | $ 139,000 | $ 139,000 | $ 57,000 |
| Casper, WY | 1 | $ 238,000 | $ 238,000 | $ 0 |
| Charleston, WV | 1 | $ 106,000 | $ 106,000 | $ 31,000 |
| Clarksville, TN-KY | 1 | $ 124,000 | $ 124,000 | $ 0 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Dalton, GA | 1 | $ 54,000 | $ 54,000 | $ 24,000 |
| Danville, VA | 1 | $ 85,000 | $ 85,000 | $ 17,000 |
| Decatur, AL | 1 | $ 151,000 | $ 151,000 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Dothan, AL | 1 | $ 178,000 | $ 178,000 | $ 80,000 |
| Elizabethtown, KY | 1 | $ 149,000 | $ 149,000 | $ 65,000 |
| Evansville, IN-KY | 1 | $ 72,000 | $ 72,000 | $ 31,000 |
| Florence, SC | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Fort Wayne, IN | 1 | $ 109,000 | $ 109,000 | $ 71,000 |
| Gadsden, AL | 1 | $ 148,000 | $ 148,000 | $ 49,000 |
| Green Bay, WI | 1 | $ 168,000 | $ 168,000 | $ 67,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 202,000 | $ 202,000 | $ 38,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 92,000 | $ 92,000 | $ 0 |
| Hinesville-Fort Stewart, GA | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 131,000 | $ 131,000 | $ 52,000 |
| Jackson, TN | 1 | $ 82,000 | $ 82,000 | $ 21,000 |
| Jacksonville, NC | 1 | $ 144,000 | $ 144,000 | $ 54,000 |
| Kankakee-Bradley, IL | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Lake Charles, LA | 1 | $ 157,000 | $ 157,000 | $ 77,000 |
| Lancaster, PA | 1 | $ 139,000 | $ 139,000 | $ 53,000 |
| Lebanon, PA | 1 | $ 196,000 | $ 196,000 | $ 58,000 |
| Lewiston, ID-WA | 1 | $ 138,000 | $ 138,000 | $ 46,000 |
| Lexington-Fayette, KY | 1 | $ 232,000 | $ 232,000 | $ 111,000 |
| Longview, WA | 1 | $ 153,000 | $ 153,000 | $ 37,000 |
| Lynchburg, VA | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Manhattan, KS | 1 | $ 161,000 | $ 161,000 | $ 52,000 |
| Mankato-North Mankato, MN | 1 | $ 210,000 | $ 210,000 | $ 0 |
| Merced, CA | 1 | $ 62,000 | $ 62,000 | $ 85,000 |
| Mobile, AL | 1 | $ 193,000 | $ 193,000 | $ 50,000 |
| Modesto, CA | 1 | $ 288,000 | $ 288,000 | $ 59,000 |
| Montgomery, AL | 1 | $ 204,000 | $ 204,000 | $ 35,000 |
| Naples-Marco Island, FL | 1 | $ 279,000 | $ 279,000 | $ 35,000 |
| North Port-Bradenton-Sarasota, FL | 1 | $ 1,242,000 | $ 1,242,000 | $ 206,000 |
| Pittsfield, MA | 1 | $ 176,000 | $ 176,000 | $ 29,000 |
| Port St. Lucie, FL | 1 | $ 149,000 | $ 149,000 | $ 0 |
| Poughkeepsie-Newburgh-Middletown, NY | 1 | $ 125,000 | $ 125,000 | $ 17,000 |
| Provo-Orem, UT | 1 | $ 214,000 | $ 214,000 | $ 50,000 |
| Pueblo, CO | 1 | $ 246,000 | $ 246,000 | $ 0 |
| Punta Gorda, FL | 1 | $ 82,000 | $ 82,000 | $ 55,000 |
| Rome, GA | 1 | $ 63,000 | $ 63,000 | $ 33,000 |
| Saginaw-Saginaw Township North, MI | 1 | $ 128,000 | $ 128,000 | $ 66,000 |
| Salinas, CA | 1 | $ 253,000 | $ 253,000 | $ 41,000 |
| San Angelo, TX | 1 | $ 100,000 | $ 100,000 | $ 25,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 980,000 | $ 980,000 | $ 201,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 1 | $ 574,000 | $ 574,000 | $ 102,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 841,000 | $ 841,000 | $ 170,000 |
| Springfield, MA | 1 | $ 149,000 | $ 149,000 | $ 78,000 |
| State College, PA | 1 | $ 101,000 | $ 101,000 | $ 29,000 |
| Stockton, CA | 1 | $ 77,000 | $ 77,000 | $ 74,000 |
| Sumter, SC | 1 | $ 97,000 | $ 97,000 | $ 36,000 |
| Syracuse, NY | 1 | $ 84,000 | $ 84,000 | $ 76,000 |
| Tallahassee, FL | 1 | $ 47,000 | $ 47,000 | $ 29,000 |
| Trenton-Ewing, NJ | 1 | $ 44,000 | $ 44,000 | $ 17,000 |
| Tyler, TX | 1 | $ 113,000 | $ 113,000 | $ 46,000 |
| Wichita Falls, TX | 1 | $ 199,000 | $ 199,000 | $ 0 |
Mortgage Loan Application Detail Totals for Meridias Capital Incorporated in 2010
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 1,545 | $302,409,000 | $195,000 | $1,946,000 | $62,000 | $1,273,000 |
| Home Purchase | 1,038 | $169,165,000 | $162,000 | $998,000 | $60,000 | $820,000 |
| Home Improvement | 2 | $262,000 | $131,000 | $137,000 | $22,000 | $45,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,617 | $305,681,000 | $189,000 | $1,946,000 | $61,000 | $1,273,000 |
| Not Provided | 639 | $108,999,000 | $170,000 | $690,000 | $64,000 | $1,000,000 |
| Black or African American | 144 | $22,452,000 | $155,000 | $567,000 | $52,000 | $224,000 |
| Hispanic | 128 | $22,028,000 | $172,000 | $574,000 | $51,000 | $300,000 |
| Asian | 40 | $8,746,000 | $218,000 | $800,000 | $76,000 | $290,000 |
| Native Hawaiian or Other Pacific Islander | 11 | $2,974,000 | $270,000 | $595,000 | $61,000 | $122,000 |
| American Indian or Alaskan Native | 6 | $956,000 | $159,000 | $260,000 | $64,000 | $135,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 1,382 | $234,230,000 | $169,000 | $841,000 | $53,000 | $636,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 921 | $182,462,000 | $198,000 | $1,946,000 | $82,000 | $1,273,000 |
| VA-guaranteed (Veterans Administration) | 279 | $54,641,000 | $195,000 | $562,000 | $35,000 | $252,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $503,000 | $167,000 | $214,000 | $57,000 | $80,000 |
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 | 2,031 | $363,375,000 | $178,000 | $1,946,000 | $63,000 | $1,206,000 |
| Loan Originated | 284 | $55,215,000 | $194,000 | $540,000 | $52,000 | $1,273,000 |
| Application Denied By Financial Institution | 264 | $52,510,000 | $198,000 | $1,710,000 | $55,000 | $250,000 |
| File Closed For Incompleteness | 4 | $479,000 | $119,000 | $125,000 | $45,000 | $180,000 |
| Application Approved But Not Accepted | 1 | $120,000 | $120,000 | $120,000 | $40,000 | $40,000 |
| Preapproval Denied by Financial Institution | 1 | $137,000 | $137,000 | $137,000 | $56,000 | $56,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 265 | $52,647,000 | $198,000 | $1,710,000 | $55,000 | $250,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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 2010 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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