Meritlending.Com
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Meritlending.Com 2004 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Meritlending.Com 575 Anton Blvd. #1050 Costa Mesa, CA 92626 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,493 |
| Total Mortgage Loan Application Amount | $452,322,000 |
| Average Mortgage Loan Application Amount | $199,720 |
| Highest Mortgage Loan Application Amount | $1,102,000 |
| Average Applicant Income | $98,760 |
| Highest Applicant Income | $1,104,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Meritlending.Com. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Meritlending.Com's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Meritlending.Com's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Meritlending.Com serves its applicants.
Each category highlights the total number of mortgage applications processed by Meritlending.Com, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Meritlending.Com's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles County California | 211 | $ 49,430,000 | $ 234,000 | $ 67,000 |
| Cook County Illinois | 149 | $ 22,233,000 | $ 149,000 | $ 50,000 |
| San Bernardino County California | 137 | $ 24,683,000 | $ 180,000 | $ 76,000 |
| Riverside County California | 113 | $ 23,169,000 | $ 205,000 | $ 94,000 |
| Orange County California | 102 | $ 31,483,000 | $ 308,000 | $ 86,000 |
| Sacramento County California | 61 | $ 12,003,000 | $ 196,000 | $ 104,000 |
| Prince George's County Maryland | 58 | $ 10,688,000 | $ 184,000 | $ 80,000 |
| Fresno County California | 53 | $ 6,593,000 | $ 124,000 | $ 47,000 |
| Kern County California | 51 | $ 5,493,000 | $ 107,000 | $ 58,000 |
| Shasta County California | 50 | $ 6,620,000 | $ 132,000 | $ 57,000 |
| Broward County Florida | 47 | $ 6,989,000 | $ 148,000 | $ 51,000 |
| San Diego County California | 45 | $ 11,213,000 | $ 249,000 | $ 120,000 |
| Palm Beach County Florida | 41 | $ 7,716,000 | $ 188,000 | $ 75,000 |
| San Joaquin County California | 38 | $ 6,212,000 | $ 163,000 | $ 60,000 |
| King County Washington | 35 | $ 6,894,000 | $ 196,000 | $ 67,000 |
| Contra Costa County California | 32 | $ 8,546,000 | $ 267,000 | $ 125,000 |
| Will County Illinois | 30 | $ 4,346,000 | $ 144,000 | $ 61,000 |
| Miami-Dade County Florida | 29 | $ 4,139,000 | $ 142,000 | $ 47,000 |
| Orange County Florida | 27 | $ 3,526,000 | $ 130,000 | $ 58,000 |
| DeKalb County Georgia | 27 | $ 4,441,000 | $ 164,000 | $ 62,000 |
| Alameda County California | 25 | $ 7,609,000 | $ 304,000 | $ 82,000 |
| Ventura County California | 22 | $ 5,280,000 | $ 240,000 | $ 72,000 |
| Solano County California | 20 | $ 4,985,000 | $ 249,000 | $ 95,000 |
| Stanislaus County California | 20 | $ 3,653,000 | $ 182,000 | $ 76,000 |
| Tulare County California | 20 | $ 2,320,000 | $ 116,000 | $ 45,000 |
| Gwinnett County Georgia | 20 | $ 3,414,000 | $ 170,000 | $ 69,000 |
| DuPage County Illinois | 20 | $ 3,489,000 | $ 174,000 | $ 83,000 |
| Pierce County Washington | 20 | $ 3,217,000 | $ 160,000 | $ 47,000 |
| Volusia County Florida | 19 | $ 2,147,000 | $ 113,000 | $ 45,000 |
| Anne Arundel County Maryland | 19 | $ 3,893,000 | $ 204,000 | $ 83,000 |
| Santa Clara County California | 18 | $ 5,061,000 | $ 281,000 | $ 116,000 |
| Santa Barbara County California | 17 | $ 3,845,000 | $ 226,000 | $ 84,000 |
| Baltimore County Maryland | 17 | $ 2,505,000 | $ 147,000 | $ 53,000 |
| Baltimore City County Maryland | 17 | $ 1,809,000 | $ 106,000 | $ 54,000 |
| Duval County Florida | 16 | $ 1,706,000 | $ 106,000 | $ 40,000 |
| Lake County Illinois | 16 | $ 2,714,000 | $ 169,000 | $ 84,000 |
| Montgomery County Maryland | 16 | $ 3,679,000 | $ 229,000 | $ 65,000 |
| Fulton County Georgia | 15 | $ 2,893,000 | $ 192,000 | $ 158,000 |
| Snohomish County Washington | 15 | $ 3,227,000 | $ 215,000 | $ 67,000 |
| Butte County California | 14 | $ 1,989,000 | $ 142,000 | $ 54,000 |
| Placer County California | 14 | $ 3,011,000 | $ 215,000 | $ 76,000 |
| Pinellas County Florida | 14 | $ 1,814,000 | $ 129,000 | $ 57,000 |
| Madison County Illinois | 14 | $ 1,253,000 | $ 89,000 | $ 47,000 |
| McHenry County Illinois | 14 | $ 2,433,000 | $ 173,000 | $ 67,000 |
| Merced County California | 13 | $ 2,164,000 | $ 166,000 | $ 56,000 |
| Hillsborough County Florida | 13 | $ 1,409,000 | $ 108,000 | $ 49,000 |
| Kane County Illinois | 13 | $ 2,284,000 | $ 175,000 | $ 63,000 |
| Spokane County Washington | 13 | $ 1,310,000 | $ 100,000 | $ 37,000 |
| Brevard County Florida | 12 | $ 1,466,000 | $ 122,000 | $ 43,000 |
| El Paso County Colorado | 11 | $ 1,302,000 | $ 118,000 | $ 43,000 |
| Collier County Florida | 11 | $ 1,944,000 | $ 176,000 | $ 72,000 |
| Cobb County Georgia | 11 | $ 1,841,000 | $ 167,000 | $ 61,000 |
| Lee County Florida | 10 | $ 1,409,000 | $ 140,000 | $ 79,000 |
| Osceola County Florida | 10 | $ 1,530,000 | $ 153,000 | $ 54,000 |
| Pasco County Florida | 10 | $ 1,113,000 | $ 111,000 | $ 45,000 |
| Polk County Florida | 10 | $ 929,000 | $ 92,000 | $ 65,000 |
| Harford County Maryland | 10 | $ 1,716,000 | $ 171,000 | $ 98,000 |
| Multnomah County Oregon | 10 | $ 2,430,000 | $ 243,000 | $ 82,000 |
| Salt Lake County Utah | 10 | $ 845,000 | $ 84,000 | $ 39,000 |
| Monterey County California | 9 | $ 2,657,000 | $ 295,000 | $ 91,000 |
| Seminole County Florida | 9 | $ 1,491,000 | $ 165,000 | $ 68,000 |
| St. Clair County Illinois | 9 | $ 1,021,000 | $ 113,000 | $ 60,000 |
| Howard County Maryland | 9 | $ 1,998,000 | $ 222,000 | $ 77,000 |
| San Mateo County California | 8 | $ 3,202,000 | $ 400,000 | $ 108,000 |
| Sutter County California | 8 | $ 1,499,000 | $ 187,000 | $ 48,000 |
| Arapahoe County Colorado | 8 | $ 1,541,000 | $ 192,000 | $ 60,000 |
| St. Lucie County Florida | 8 | $ 1,252,000 | $ 156,000 | $ 44,000 |
| Clayton County Georgia | 8 | $ 1,014,000 | $ 126,000 | $ 52,000 |
| Charles County Maryland | 8 | $ 1,578,000 | $ 197,000 | $ 105,000 |
| Kitsap County Washington | 8 | $ 1,178,000 | $ 147,000 | $ 54,000 |
| San Luis Obispo County California | 7 | $ 1,690,000 | $ 241,000 | $ 56,000 |
| Sonoma County California | 7 | $ 2,120,000 | $ 302,000 | $ 96,000 |
| Yolo County California | 7 | $ 1,392,000 | $ 198,000 | $ 56,000 |
| Paulding County Georgia | 7 | $ 821,000 | $ 117,000 | $ 46,000 |
| Frederick County Maryland | 7 | $ 1,274,000 | $ 182,000 | $ 72,000 |
| Lane County Oregon | 7 | $ 990,000 | $ 141,000 | $ 57,000 |
| Clark County Washington | 7 | $ 744,000 | $ 106,000 | $ 55,000 |
| Yakima County Washington | 7 | $ 920,000 | $ 131,000 | $ 57,000 |
| Humboldt County California | 6 | $ 729,000 | $ 121,000 | $ 36,000 |
| Kings County California | 6 | $ 794,000 | $ 132,000 | $ 46,000 |
| Yuba County California | 6 | $ 847,000 | $ 141,000 | $ 49,000 |
| Larimer County Colorado | 6 | $ 1,162,000 | $ 193,000 | $ 71,000 |
| Lake County Florida | 6 | $ 627,000 | $ 104,000 | $ 40,000 |
| Manatee County Florida | 6 | $ 594,000 | $ 99,000 | $ 37,000 |
| Monroe County Florida | 6 | $ 1,930,000 | $ 321,000 | $ 533,000 |
| Douglas County Georgia | 6 | $ 746,000 | $ 124,000 | $ 55,000 |
| Winnebago County Illinois | 6 | $ 482,000 | $ 80,000 | $ 42,000 |
| Calvert County Maryland | 6 | $ 1,322,000 | $ 220,000 | $ 106,000 |
| Utah County Utah | 6 | $ 911,000 | $ 151,000 | $ 86,000 |
| Thurston County Washington | 6 | $ 729,000 | $ 121,000 | $ 49,000 |
| Denver County Colorado | 5 | $ 710,000 | $ 142,000 | $ 50,000 |
| Jefferson County Colorado | 5 | $ 1,083,000 | $ 216,000 | $ 71,000 |
| Clay County Florida | 5 | $ 479,000 | $ 95,000 | $ 37,000 |
| Sarasota County Florida | 5 | $ 741,000 | $ 148,000 | $ 58,000 |
| Harris County Georgia | 5 | $ 882,000 | $ 176,000 | $ 66,000 |
| Champaign County Illinois | 5 | $ 616,000 | $ 123,000 | $ 60,000 |
| Peoria County Illinois | 5 | $ 378,000 | $ 75,000 | $ 48,000 |
| Sangamon County Illinois | 5 | $ 421,000 | $ 84,000 | $ 67,000 |
| Tazewell County Illinois | 5 | $ 401,000 | $ 80,000 | $ 52,000 |
| Hennepin County Minnesota | 5 | $ 1,060,000 | $ 212,000 | $ 60,000 |
| Washington County Oregon | 5 | $ 1,212,000 | $ 242,000 | $ 65,000 |
| Weber County Utah | 5 | $ 964,000 | $ 192,000 | $ 44,000 |
| Imperial County California | 4 | $ 343,000 | $ 85,000 | $ 60,000 |
| Lassen County California | 4 | $ 506,000 | $ 126,000 | $ 56,000 |
| Madera County California | 4 | $ 622,000 | $ 155,000 | $ 67,000 |
| Santa Cruz County California | 4 | $ 987,000 | $ 246,000 | $ 52,000 |
| Adams County Colorado | 4 | $ 580,000 | $ 145,000 | $ 35,000 |
| Mesa County Colorado | 4 | $ 658,000 | $ 164,000 | $ 53,000 |
| Alachua County Florida | 4 | $ 267,000 | $ 66,000 | $ 82,000 |
| Bay County Florida | 4 | $ 529,000 | $ 132,000 | $ 52,000 |
| Hernando County Florida | 4 | $ 604,000 | $ 151,000 | $ 75,000 |
| Okaloosa County Florida | 4 | $ 648,000 | $ 162,000 | $ 80,000 |
| Hall County Georgia | 4 | $ 675,000 | $ 168,000 | $ 69,000 |
| Muscogee County Georgia | 4 | $ 339,000 | $ 84,000 | $ 34,000 |
| Rockdale County Georgia | 4 | $ 729,000 | $ 182,000 | $ 96,000 |
| LaSalle County Illinois | 4 | $ 398,000 | $ 99,000 | $ 72,000 |
| Carroll County Maryland | 4 | $ 762,000 | $ 190,000 | $ 81,000 |
| Cecil County Maryland | 4 | $ 542,000 | $ 135,000 | $ 79,000 |
| Washington County Maryland | 4 | $ 682,000 | $ 170,000 | $ 66,000 |
| Ramsey County Minnesota | 4 | $ 501,000 | $ 125,000 | $ 51,000 |
| Jackson County Oregon | 4 | $ 484,000 | $ 121,000 | $ 49,000 |
| Davis County Utah | 4 | $ 465,000 | $ 116,000 | $ 54,000 |
| El Dorado County California | 3 | $ 681,000 | $ 227,000 | $ 63,000 |
| Inyo County California | 3 | $ 353,000 | $ 117,000 | $ 74,000 |
| Marin County California | 3 | $ 887,000 | $ 295,000 | $ 61,000 |
| Mendocino County California | 3 | $ 401,000 | $ 133,000 | $ 66,000 |
| Nevada County California | 3 | $ 789,000 | $ 263,000 | $ 81,000 |
| San Francisco County California | 3 | $ 903,000 | $ 301,000 | $ 107,000 |
| Tehama County California | 3 | $ 311,000 | $ 103,000 | $ 45,000 |
| Escambia County Florida | 3 | $ 408,000 | $ 136,000 | $ 49,000 |
| Leon County Florida | 3 | $ 363,000 | $ 121,000 | $ 72,000 |
| Santa Rosa County Florida | 3 | $ 374,000 | $ 124,000 | $ 60,000 |
| Walton County Florida | 3 | $ 1,416,000 | $ 472,000 | $ 168,000 |
| Cherokee County Georgia | 3 | $ 419,000 | $ 139,000 | $ 51,000 |
| Forsyth County Georgia | 3 | $ 425,000 | $ 141,000 | $ 41,000 |
| Henry County Georgia | 3 | $ 548,000 | $ 182,000 | $ 68,000 |
| Rock Island County Illinois | 3 | $ 208,000 | $ 69,000 | $ 24,000 |
| Linn County Oregon | 3 | $ 413,000 | $ 137,000 | $ 63,000 |
| Umatilla County Oregon | 3 | $ 210,000 | $ 70,000 | $ 42,000 |
| Whatcom County Washington | 3 | $ 613,000 | $ 204,000 | $ 83,000 |
| Alpine County California | 2 | $ 620,000 | $ 310,000 | $ 277,000 |
| Amador County California | 2 | $ 351,000 | $ 175,000 | $ 27,000 |
| Colusa County California | 2 | $ 334,000 | $ 167,000 | $ 59,000 |
| Del Norte County California | 2 | $ 166,000 | $ 83,000 | $ 43,000 |
| Napa County California | 2 | $ 801,000 | $ 400,000 | $ 109,000 |
| Siskiyou County California | 2 | $ 244,000 | $ 122,000 | $ 43,000 |
| Tuolumne County California | 2 | $ 329,000 | $ 164,000 | $ 29,000 |
| Boulder County Colorado | 2 | $ 363,000 | $ 181,000 | $ 48,000 |
| Charlotte County Florida | 2 | $ 197,000 | $ 98,000 | $ 47,000 |
| Citrus County Florida | 2 | $ 130,000 | $ 65,000 | $ 31,000 |
| Flagler County Florida | 2 | $ 248,000 | $ 124,000 | $ 38,000 |
| Highlands County Florida | 2 | $ 210,000 | $ 105,000 | $ 75,000 |
| Indian River County Florida | 2 | $ 533,000 | $ 266,000 | $ 78,000 |
| Martin County Florida | 2 | $ 268,000 | $ 134,000 | $ 41,000 |
| Nassau County Florida | 2 | $ 209,000 | $ 104,000 | $ 45,000 |
| Carroll County Georgia | 2 | $ 194,000 | $ 97,000 | $ 39,000 |
| Coweta County Georgia | 2 | $ 116,000 | $ 58,000 | $ 56,000 |
| Dawson County Georgia | 2 | $ 330,000 | $ 165,000 | $ 63,000 |
| Newton County Georgia | 2 | $ 202,000 | $ 101,000 | $ 63,000 |
| Whitfield County Georgia | 2 | $ 131,000 | $ 65,000 | $ 63,000 |
| Effingham County Illinois | 2 | $ 329,000 | $ 164,000 | $ 48,000 |
| Kendall County Illinois | 2 | $ 621,000 | $ 310,000 | $ 123,000 |
| Allen County Indiana | 2 | $ 196,000 | $ 98,000 | $ 126,000 |
| St. Mary's County Maryland | 2 | $ 268,000 | $ 134,000 | $ 40,000 |
| Wicomico County Maryland | 2 | $ 232,000 | $ 116,000 | $ 61,000 |
| Anoka County Minnesota | 2 | $ 525,000 | $ 262,000 | $ 79,000 |
| Washington County Minnesota | 2 | $ 540,000 | $ 270,000 | $ 119,000 |
| Wright County Minnesota | 2 | $ 337,000 | $ 168,000 | $ 63,000 |
| Clackamas County Oregon | 2 | $ 377,000 | $ 188,000 | $ 71,000 |
| Josephine County Oregon | 2 | $ 270,000 | $ 135,000 | $ 45,000 |
| Grays Harbor County Washington | 2 | $ 350,000 | $ 175,000 | $ 89,000 |
| Skagit County Washington | 2 | $ 330,000 | $ 165,000 | $ 75,000 |
| Calaveras County California | 1 | $ 105,000 | $ 105,000 | $ 26,000 |
| Lake County California | 1 | $ 355,000 | $ 355,000 | $ 82,000 |
| Modoc County California | 1 | $ 89,000 | $ 89,000 | $ 25,000 |
| Plumas County California | 1 | $ 363,000 | $ 363,000 | $ 72,000 |
| Douglas County Colorado | 1 | $ 515,000 | $ 515,000 | $ 132,000 |
| Garfield County Colorado | 1 | $ 164,000 | $ 164,000 | $ 68,000 |
| La Plata County Colorado | 1 | $ 182,000 | $ 182,000 | $ 32,000 |
| Pueblo County Colorado | 1 | $ 76,000 | $ 76,000 | $ 12,000 |
| Summit County Colorado | 1 | $ 1,000,000 | $ 1,000,000 | $ 300,000 |
| Weld County Colorado | 1 | $ 85,000 | $ 85,000 | $ 158,000 |
| District of Columbia County District Of Columbia | 1 | $ 140,000 | $ 140,000 | $ 77,000 |
| Columbia County Florida | 1 | $ 102,000 | $ 102,000 | $ 62,000 |
| Hendry County Florida | 1 | $ 104,000 | $ 104,000 | $ 73,000 |
| Levy County Florida | 1 | $ 131,000 | $ 131,000 | $ 31,000 |
| St. Johns County Florida | 1 | $ 150,000 | $ 150,000 | $ 34,000 |
| Suwannee County Florida | 1 | $ 156,000 | $ 156,000 | $ 60,000 |
| Union County Florida | 1 | $ 118,000 | $ 118,000 | $ 49,000 |
| Wakulla County Florida | 1 | $ 63,000 | $ 63,000 | $ 56,000 |
| Bryan County Georgia | 1 | $ 106,000 | $ 106,000 | $ 54,000 |
| Bulloch County Georgia | 1 | $ 158,000 | $ 158,000 | $ 101,000 |
| Butts County Georgia | 1 | $ 143,000 | $ 143,000 | $ 70,000 |
| Catoosa County Georgia | 1 | $ 170,000 | $ 170,000 | $ 46,000 |
| Chatham County Georgia | 1 | $ 136,000 | $ 136,000 | $ 56,000 |
| Columbia County Georgia | 1 | $ 257,000 | $ 257,000 | $ 48,000 |
| Cook County Georgia | 1 | $ 101,000 | $ 101,000 | $ 58,000 |
| Dougherty County Georgia | 1 | $ 100,000 | $ 100,000 | $ 45,000 |
| Effingham County Georgia | 1 | $ 151,000 | $ 151,000 | $ 79,000 |
| Evans County Georgia | 1 | $ 163,000 | $ 163,000 | $ 52,000 |
| Franklin County Georgia | 1 | $ 156,000 | $ 156,000 | $ 61,000 |
| Gordon County Georgia | 1 | $ 155,000 | $ 155,000 | $ 64,000 |
| Lamar County Georgia | 1 | $ 118,000 | $ 118,000 | $ 21,000 |
| Laurens County Georgia | 1 | $ 145,000 | $ 145,000 | $ 169,000 |
| Lee County Georgia | 1 | $ 152,000 | $ 152,000 | $ 89,000 |
| Lumpkin County Georgia | 1 | $ 177,000 | $ 177,000 | $ 83,000 |
| McIntosh County Georgia | 1 | $ 132,000 | $ 132,000 | $ 108,000 |
| Monroe County Georgia | 1 | $ 156,000 | $ 156,000 | $ 44,000 |
| Oconee County Georgia | 1 | $ 400,000 | $ 400,000 | $ 215,000 |
| Pike County Georgia | 1 | $ 230,000 | $ 230,000 | $ 0 |
| Richmond County Georgia | 1 | $ 73,000 | $ 73,000 | $ 43,000 |
| Twiggs County Georgia | 1 | $ 223,000 | $ 223,000 | $ 85,000 |
| Walton County Georgia | 1 | $ 187,000 | $ 187,000 | $ 0 |
| White County Georgia | 1 | $ 250,000 | $ 250,000 | $ 120,000 |
| Wilkes County Georgia | 1 | $ 105,000 | $ 105,000 | $ 63,000 |
| Bureau County Illinois | 1 | $ 153,000 | $ 153,000 | $ 132,000 |
| Christian County Illinois | 1 | $ 63,000 | $ 63,000 | $ 50,000 |
| Clay County Illinois | 1 | $ 165,000 | $ 165,000 | $ 26,000 |
| Coles County Illinois | 1 | $ 96,000 | $ 96,000 | $ 51,000 |
| Grundy County Illinois | 1 | $ 122,000 | $ 122,000 | $ 140,000 |
| Iroquois County Illinois | 1 | $ 135,000 | $ 135,000 | $ 60,000 |
| Kankakee County Illinois | 1 | $ 203,000 | $ 203,000 | $ 55,000 |
| Macon County Illinois | 1 | $ 40,000 | $ 40,000 | $ 7,000 |
| Mason County Illinois | 1 | $ 82,000 | $ 82,000 | $ 47,000 |
| McDonough County Illinois | 1 | $ 63,000 | $ 63,000 | $ 32,000 |
| Monroe County Illinois | 1 | $ 103,000 | $ 103,000 | $ 34,000 |
| Ogle County Illinois | 1 | $ 172,000 | $ 172,000 | $ 51,000 |
| Woodford County Illinois | 1 | $ 108,000 | $ 108,000 | $ 32,000 |
| Allegany County Maryland | 1 | $ 54,000 | $ 54,000 | $ 27,000 |
| Caroline County Maryland | 1 | $ 120,000 | $ 120,000 | $ 44,000 |
| Garrett County Maryland | 1 | $ 128,000 | $ 128,000 | $ 127,000 |
| Worcester County Maryland | 1 | $ 159,000 | $ 159,000 | $ 25,000 |
| Dakota County Minnesota | 1 | $ 168,000 | $ 168,000 | $ 78,000 |
| Itasca County Minnesota | 1 | $ 242,000 | $ 242,000 | $ 108,000 |
| McLeod County Minnesota | 1 | $ 145,000 | $ 145,000 | $ 43,000 |
| Mower County Minnesota | 1 | $ 68,000 | $ 68,000 | $ 88,000 |
| Nobles County Minnesota | 1 | $ 95,000 | $ 95,000 | $ 43,000 |
| Scott County Minnesota | 1 | $ 245,000 | $ 245,000 | $ 92,000 |
| Sherburne County Minnesota | 1 | $ 132,000 | $ 132,000 | $ 42,000 |
| St. Louis County Minnesota | 1 | $ 274,000 | $ 274,000 | $ 72,000 |
| St. Louis City County Missouri | 1 | $ 116,000 | $ 116,000 | $ 61,000 |
| Clark County Nevada | 1 | $ 228,000 | $ 228,000 | $ 55,000 |
| Washoe County Nevada | 1 | $ 242,000 | $ 242,000 | $ 39,000 |
| Benton County Oregon | 1 | $ 60,000 | $ 60,000 | $ 54,000 |
| Coos County Oregon | 1 | $ 126,000 | $ 126,000 | $ 150,000 |
| Crook County Oregon | 1 | $ 108,000 | $ 108,000 | $ 22,000 |
| Deschutes County Oregon | 1 | $ 128,000 | $ 128,000 | $ 48,000 |
| Douglas County Oregon | 1 | $ 40,000 | $ 40,000 | $ 60,000 |
| Hood River County Oregon | 1 | $ 153,000 | $ 153,000 | $ 52,000 |
| Jefferson County Oregon | 1 | $ 128,000 | $ 128,000 | $ 67,000 |
| Lincoln County Oregon | 1 | $ 35,000 | $ 35,000 | $ 108,000 |
| Marion County Oregon | 1 | $ 94,000 | $ 94,000 | $ 46,000 |
| Northampton County Pennsylvania | 1 | $ 360,000 | $ 360,000 | $ 92,000 |
| York County Pennsylvania | 1 | $ 223,000 | $ 223,000 | $ 44,000 |
| Washington County Utah | 1 | $ 153,000 | $ 153,000 | $ 50,000 |
| Prince William County Virginia | 1 | $ 143,000 | $ 143,000 | $ 28,000 |
| Adams County Washington | 1 | $ 180,000 | $ 180,000 | $ 72,000 |
| Asotin County Washington | 1 | $ 68,000 | $ 68,000 | $ 35,000 |
| Benton County Washington | 1 | $ 90,000 | $ 90,000 | $ 29,000 |
| Island County Washington | 1 | $ 131,000 | $ 131,000 | $ 24,000 |
| Jefferson County Washington | 1 | $ 303,000 | $ 303,000 | $ 192,000 |
| Mineral County West Virginia | 1 | $ 185,000 | $ 185,000 | $ 75,000 |
Mortgage Loan Application Detail Totals for Meritlending.Com in 2004
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 | 2,399 | $429,145,000 | $162,125 | $1,102,000 | $63,625 | $600,000 |
| Home Purchase | 94 | $23,177,000 | $266,555 | $755,000 | $161,222 | $1,104,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Not Provided | 2,207 | $395,649,000 | $175,714 | $1,102,000 | $64,214 | $1,104,000 |
| White | 208 | $40,070,000 | $165,538 | $700,000 | $69,538 | $365,000 |
| Hispanic | 47 | $9,946,000 | $198,428 | $435,000 | $61,571 | $181,000 |
| Black or African American | 20 | $3,902,000 | $155,666 | $721,000 | $52,333 | $169,000 |
| Asian | 8 | $2,159,000 | $201,666 | $495,000 | $73,666 | $103,000 |
| American Indian or Alaskan Native | 1 | $180,000 | $180,000 | $180,000 | $106,000 | $106,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $135,000 | $135,000 | $135,000 | $60,000 | $60,000 |
| Not applicable | 1 | $281,000 | $281,000 | $281,000 | $90,000 | $90,000 |
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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2,482 | $450,377,000 | $168,470 | $1,102,000 | $67,588 | $1,104,000 |
| FHA-insured (Federal Housing Administration) | 6 | $987,000 | $132,000 | $224,000 | $44,000 | $80,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $958,000 | $196,750 | $418,000 | $56,500 | $151,000 |
| VA-guaranteed (Veterans Administration) | 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 | 1,586 | $288,800,000 | $157,250 | $1,102,000 | $67,062 | $1,104,000 |
| Application Withdrawn By Applicant | 862 | $156,398,000 | $188,333 | $1,000,000 | $67,666 | $1,104,000 |
| Application Denied By Financial Institution | 45 | $7,124,000 | $157,777 | $400,000 | $60,333 | $300,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 18 | $2,560,000 | $138,142 | $400,000 | $56,571 | $116,000 |
| Credit History | 11 | $1,439,000 | $127,000 | $215,000 | $61,000 | $96,000 |
| Other | 7 | $1,685,000 | $213,000 | $305,000 | $102,000 | $300,000 |
| Debt-To-Income Ratio | 2 | $279,000 | $139,500 | $187,000 | $16,500 | $33,000 |
| Unverifiable Information | 1 | $131,000 | $131,000 | $131,000 | $29,000 | $29,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $159,000 | $159,000 | $159,000 | $43,000 | $43,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Meritlending.Com's 2004 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 Meritlending.Com'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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with aggregated HMDA statistics today.