Meritlending.Com
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Meritlending.Com 2005 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 | 2,333 |
| Total Mortgage Loan Application Amount | $504,579,000 |
| Average Mortgage Loan Application Amount | $193,875 |
| Highest Mortgage Loan Application Amount | $1,995,000 |
| Average Applicant Income | $88,333 |
| Highest Applicant Income | $745,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| 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 | 243 | $ 72,935,000 | $ 300,000 | $ 98,000 |
| Orange County California | 149 | $ 45,482,000 | $ 305,000 | $ 126,000 |
| Riverside County California | 136 | $ 35,048,000 | $ 257,000 | $ 80,000 |
| San Bernardino County California | 125 | $ 27,587,000 | $ 220,000 | $ 89,000 |
| Cook County Illinois | 60 | $ 12,450,000 | $ 207,000 | $ 123,000 |
| San Diego County California | 56 | $ 15,507,000 | $ 276,000 | $ 112,000 |
| Kern County California | 53 | $ 8,350,000 | $ 157,000 | $ 137,000 |
| Broward County Florida | 53 | $ 9,923,000 | $ 187,000 | $ 74,000 |
| Shasta County California | 49 | $ 7,879,000 | $ 160,000 | $ 67,000 |
| Sacramento County California | 42 | $ 8,879,000 | $ 211,000 | $ 74,000 |
| Orange County Florida | 40 | $ 7,210,000 | $ 180,000 | $ 83,000 |
| Prince George's County Maryland | 40 | $ 8,049,000 | $ 201,000 | $ 66,000 |
| Fresno County California | 35 | $ 5,276,000 | $ 150,000 | $ 49,000 |
| Tulare County California | 35 | $ 5,522,000 | $ 157,000 | $ 47,000 |
| Pinellas County Florida | 32 | $ 4,431,000 | $ 138,000 | $ 65,000 |
| Hillsborough County Florida | 30 | $ 6,112,000 | $ 203,000 | $ 66,000 |
| Miami-Dade County Florida | 30 | $ 5,165,000 | $ 172,000 | $ 72,000 |
| Brevard County Florida | 26 | $ 3,761,000 | $ 144,000 | $ 56,000 |
| Palm Beach County Florida | 25 | $ 6,638,000 | $ 265,000 | $ 129,000 |
| San Joaquin County California | 24 | $ 5,902,000 | $ 245,000 | $ 74,000 |
| DeKalb County Georgia | 23 | $ 3,768,000 | $ 163,000 | $ 71,000 |
| Contra Costa County California | 22 | $ 7,781,000 | $ 353,000 | $ 102,000 |
| Ventura County California | 22 | $ 7,476,000 | $ 339,000 | $ 102,000 |
| St. Lucie County Florida | 22 | $ 3,428,000 | $ 155,000 | $ 58,000 |
| Duval County Florida | 21 | $ 2,393,000 | $ 113,000 | $ 48,000 |
| Montgomery County Maryland | 21 | $ 4,776,000 | $ 227,000 | $ 78,000 |
| Polk County Florida | 20 | $ 2,454,000 | $ 122,000 | $ 39,000 |
| Volusia County Florida | 20 | $ 2,899,000 | $ 144,000 | $ 51,000 |
| Baltimore County Maryland | 20 | $ 3,832,000 | $ 191,000 | $ 68,000 |
| Cobb County Georgia | 19 | $ 3,239,000 | $ 170,000 | $ 84,000 |
| Baltimore City County Maryland | 19 | $ 1,603,000 | $ 84,000 | $ 56,000 |
| Salt Lake County Utah | 19 | $ 2,444,000 | $ 128,000 | $ 60,000 |
| Lake County Florida | 18 | $ 2,737,000 | $ 152,000 | $ 49,000 |
| Fulton County Georgia | 18 | $ 2,768,000 | $ 153,000 | $ 63,000 |
| Alameda County California | 17 | $ 6,379,000 | $ 375,000 | $ 98,000 |
| Lake County Illinois | 17 | $ 3,433,000 | $ 201,000 | $ 95,000 |
| Pasco County Florida | 15 | $ 2,023,000 | $ 134,000 | $ 51,000 |
| Santa Clara County California | 13 | $ 4,795,000 | $ 368,000 | $ 108,000 |
| Stanislaus County California | 13 | $ 3,493,000 | $ 268,000 | $ 76,000 |
| Frederick County Maryland | 13 | $ 3,123,000 | $ 240,000 | $ 50,000 |
| San Mateo County California | 12 | $ 5,121,000 | $ 426,000 | $ 145,000 |
| Denver County Colorado | 12 | $ 2,301,000 | $ 191,000 | $ 65,000 |
| Osceola County Florida | 12 | $ 1,714,000 | $ 142,000 | $ 39,000 |
| Seminole County Florida | 12 | $ 1,656,000 | $ 138,000 | $ 36,000 |
| Henry County Georgia | 12 | $ 1,966,000 | $ 163,000 | $ 72,000 |
| Will County Illinois | 12 | $ 1,581,000 | $ 131,000 | $ 88,000 |
| Anne Arundel County Maryland | 12 | $ 2,780,000 | $ 231,000 | $ 96,000 |
| Placer County California | 11 | $ 2,964,000 | $ 269,000 | $ 121,000 |
| El Paso County Colorado | 11 | $ 1,759,000 | $ 159,000 | $ 52,000 |
| Lee County Florida | 11 | $ 1,925,000 | $ 175,000 | $ 67,000 |
| Harford County Maryland | 11 | $ 2,521,000 | $ 229,000 | $ 108,000 |
| Ramsey County Minnesota | 11 | $ 1,946,000 | $ 176,000 | $ 67,000 |
| Solano County California | 10 | $ 2,858,000 | $ 285,000 | $ 77,000 |
| Adams County Colorado | 10 | $ 1,634,000 | $ 163,000 | $ 52,000 |
| Merced County California | 9 | $ 1,875,000 | $ 208,000 | $ 56,000 |
| Collier County Florida | 9 | $ 2,084,000 | $ 231,000 | $ 72,000 |
| Manatee County Florida | 9 | $ 1,130,000 | $ 125,000 | $ 62,000 |
| Charles County Maryland | 9 | $ 1,939,000 | $ 215,000 | $ 72,000 |
| Butte County California | 8 | $ 1,185,000 | $ 148,000 | $ 54,000 |
| Imperial County California | 8 | $ 1,221,000 | $ 152,000 | $ 48,000 |
| Inyo County California | 8 | $ 1,955,000 | $ 244,000 | $ 96,000 |
| Madera County California | 8 | $ 1,603,000 | $ 200,000 | $ 54,000 |
| Sonoma County California | 8 | $ 3,412,000 | $ 426,000 | $ 131,000 |
| Alachua County Florida | 8 | $ 898,000 | $ 112,000 | $ 141,000 |
| Charlotte County Florida | 8 | $ 1,342,000 | $ 167,000 | $ 65,000 |
| Leon County Florida | 8 | $ 1,083,000 | $ 135,000 | $ 48,000 |
| Gwinnett County Georgia | 8 | $ 1,257,000 | $ 157,000 | $ 66,000 |
| Carroll County Maryland | 8 | $ 1,323,000 | $ 165,000 | $ 77,000 |
| Pierce County Washington | 8 | $ 1,270,000 | $ 158,000 | $ 58,000 |
| San Luis Obispo County California | 7 | $ 1,979,000 | $ 282,000 | $ 122,000 |
| Santa Barbara County California | 7 | $ 1,898,000 | $ 271,000 | $ 78,000 |
| Tehama County California | 7 | $ 1,056,000 | $ 150,000 | $ 48,000 |
| Arapahoe County Colorado | 7 | $ 1,087,000 | $ 155,000 | $ 71,000 |
| Citrus County Florida | 7 | $ 826,000 | $ 118,000 | $ 75,000 |
| Indian River County Florida | 7 | $ 1,028,000 | $ 146,000 | $ 45,000 |
| Sarasota County Florida | 7 | $ 1,311,000 | $ 187,000 | $ 74,000 |
| Clayton County Georgia | 7 | $ 1,298,000 | $ 185,000 | $ 64,000 |
| Paulding County Georgia | 7 | $ 895,000 | $ 127,000 | $ 121,000 |
| DuPage County Illinois | 7 | $ 1,334,000 | $ 190,000 | $ 75,000 |
| Walton County Florida | 6 | $ 2,469,000 | $ 411,000 | $ 167,000 |
| Madison County Illinois | 6 | $ 776,000 | $ 129,000 | $ 52,000 |
| Jefferson County Colorado | 5 | $ 1,017,000 | $ 203,000 | $ 79,000 |
| Clay County Florida | 5 | $ 623,000 | $ 124,000 | $ 58,000 |
| Flagler County Florida | 5 | $ 726,000 | $ 145,000 | $ 66,000 |
| Hernando County Florida | 5 | $ 751,000 | $ 150,000 | $ 54,000 |
| Marion County Florida | 5 | $ 616,000 | $ 123,000 | $ 38,000 |
| Fayette County Georgia | 5 | $ 1,401,000 | $ 280,000 | $ 83,000 |
| Kane County Illinois | 5 | $ 1,087,000 | $ 217,000 | $ 82,000 |
| Sangamon County Illinois | 5 | $ 508,000 | $ 101,000 | $ 43,000 |
| Winnebago County Illinois | 5 | $ 540,000 | $ 108,000 | $ 51,000 |
| Hennepin County Minnesota | 5 | $ 890,000 | $ 178,000 | $ 49,000 |
| Lake County California | 4 | $ 514,000 | $ 128,000 | $ 61,000 |
| Mendocino County California | 4 | $ 684,000 | $ 171,000 | $ 50,000 |
| Monterey County California | 4 | $ 868,000 | $ 217,000 | $ 67,000 |
| Santa Cruz County California | 4 | $ 1,207,000 | $ 301,000 | $ 140,000 |
| Yuba County California | 4 | $ 591,000 | $ 147,000 | $ 55,000 |
| Mesa County Colorado | 4 | $ 515,000 | $ 128,000 | $ 40,000 |
| Escambia County Florida | 4 | $ 711,000 | $ 177,000 | $ 91,000 |
| Monroe County Florida | 4 | $ 2,196,000 | $ 549,000 | $ 217,000 |
| Nassau County Florida | 4 | $ 1,003,000 | $ 250,000 | $ 57,000 |
| Okaloosa County Florida | 4 | $ 657,000 | $ 164,000 | $ 46,000 |
| Hall County Georgia | 4 | $ 651,000 | $ 162,000 | $ 67,000 |
| McIntosh County Georgia | 4 | $ 402,000 | $ 100,000 | $ 78,000 |
| Champaign County Illinois | 4 | $ 303,000 | $ 75,000 | $ 48,000 |
| McHenry County Illinois | 4 | $ 608,000 | $ 152,000 | $ 67,000 |
| Howard County Maryland | 4 | $ 1,632,000 | $ 408,000 | $ 108,000 |
| St. Louis County Minnesota | 4 | $ 385,000 | $ 96,000 | $ 56,000 |
| King County Washington | 4 | $ 1,120,000 | $ 280,000 | $ 98,000 |
| Amador County California | 3 | $ 783,000 | $ 261,000 | $ 46,000 |
| Humboldt County California | 3 | $ 527,000 | $ 175,000 | $ 34,000 |
| Tuolumne County California | 3 | $ 776,000 | $ 258,000 | $ 36,000 |
| Clear Creek County Colorado | 3 | $ 359,000 | $ 119,000 | $ 66,000 |
| La Plata County Colorado | 3 | $ 557,000 | $ 185,000 | $ 61,000 |
| Pueblo County Colorado | 3 | $ 357,000 | $ 119,000 | $ 59,000 |
| Bay County Florida | 3 | $ 361,000 | $ 120,000 | $ 68,000 |
| Martin County Florida | 3 | $ 464,000 | $ 154,000 | $ 48,000 |
| Santa Rosa County Florida | 3 | $ 510,000 | $ 170,000 | $ 44,000 |
| Dougherty County Georgia | 3 | $ 248,000 | $ 82,000 | $ 51,000 |
| Douglas County Georgia | 3 | $ 508,000 | $ 169,000 | $ 54,000 |
| Rockdale County Georgia | 3 | $ 708,000 | $ 236,000 | $ 78,000 |
| St. Clair County Illinois | 3 | $ 331,000 | $ 110,000 | $ 32,000 |
| Clark County Nevada | 3 | $ 853,000 | $ 284,000 | $ 86,000 |
| Kitsap County Washington | 3 | $ 422,000 | $ 140,000 | $ 44,000 |
| Spokane County Washington | 3 | $ 367,000 | $ 122,000 | $ 41,000 |
| Calaveras County California | 2 | $ 343,000 | $ 171,000 | $ 55,000 |
| Del Norte County California | 2 | $ 421,000 | $ 210,000 | $ 44,000 |
| El Dorado County California | 2 | $ 776,000 | $ 388,000 | $ 118,000 |
| Napa County California | 2 | $ 1,020,000 | $ 510,000 | $ 146,000 |
| Nevada County California | 2 | $ 390,000 | $ 195,000 | $ 107,000 |
| Sutter County California | 2 | $ 424,000 | $ 212,000 | $ 60,000 |
| Trinity County California | 2 | $ 148,000 | $ 74,000 | $ 40,000 |
| Boulder County Colorado | 2 | $ 527,000 | $ 263,000 | $ 121,000 |
| Larimer County Colorado | 2 | $ 196,000 | $ 98,000 | $ 55,000 |
| Gadsden County Florida | 2 | $ 140,000 | $ 70,000 | $ 28,000 |
| Levy County Florida | 2 | $ 296,000 | $ 148,000 | $ 44,000 |
| St. Johns County Florida | 2 | $ 413,000 | $ 206,000 | $ 71,000 |
| Bartow County Georgia | 2 | $ 250,000 | $ 125,000 | $ 57,000 |
| Chatham County Georgia | 2 | $ 200,000 | $ 100,000 | $ 19,000 |
| Cherokee County Georgia | 2 | $ 331,000 | $ 165,000 | $ 93,000 |
| Coweta County Georgia | 2 | $ 229,000 | $ 114,000 | $ 120,000 |
| Effingham County Georgia | 2 | $ 322,000 | $ 161,000 | $ 74,000 |
| Forsyth County Georgia | 2 | $ 315,000 | $ 157,000 | $ 42,000 |
| Jackson County Georgia | 2 | $ 261,000 | $ 130,000 | $ 66,000 |
| Spalding County Georgia | 2 | $ 378,000 | $ 189,000 | $ 77,000 |
| Walton County Georgia | 2 | $ 483,000 | $ 241,000 | $ 62,000 |
| DeKalb County Illinois | 2 | $ 329,000 | $ 164,000 | $ 98,000 |
| Fulton County Illinois | 2 | $ 122,000 | $ 61,000 | $ 52,000 |
| Kendall County Illinois | 2 | $ 283,000 | $ 141,000 | $ 80,000 |
| Rock Island County Illinois | 2 | $ 120,000 | $ 60,000 | $ 64,000 |
| Cecil County Maryland | 2 | $ 451,000 | $ 225,000 | $ 53,000 |
| Washington County Maryland | 2 | $ 476,000 | $ 238,000 | $ 54,000 |
| Washington County Minnesota | 2 | $ 300,000 | $ 150,000 | $ 104,000 |
| Queens County New York | 2 | $ 338,000 | $ 169,000 | $ 102,000 |
| Multnomah County Oregon | 2 | $ 264,000 | $ 132,000 | $ 64,000 |
| Davis County Utah | 2 | $ 265,000 | $ 132,000 | $ 43,000 |
| Utah County Utah | 2 | $ 305,000 | $ 152,000 | $ 88,000 |
| Weber County Utah | 2 | $ 198,000 | $ 99,000 | $ 58,000 |
| Clark County Washington | 2 | $ 383,000 | $ 191,000 | $ 46,000 |
| Skagit County Washington | 2 | $ 203,000 | $ 101,000 | $ 69,000 |
| Snohomish County Washington | 2 | $ 299,000 | $ 149,000 | $ 66,000 |
| Lassen County California | 1 | $ 184,000 | $ 184,000 | $ 66,000 |
| Plumas County California | 1 | $ 103,000 | $ 103,000 | $ 23,000 |
| San Benito County California | 1 | $ 542,000 | $ 542,000 | $ 124,000 |
| Siskiyou County California | 1 | $ 132,000 | $ 132,000 | $ 114,000 |
| Yolo County California | 1 | $ 407,000 | $ 407,000 | $ 72,000 |
| Douglas County Colorado | 1 | $ 261,000 | $ 261,000 | $ 90,000 |
| Park County Colorado | 1 | $ 265,000 | $ 265,000 | $ 53,000 |
| Summit County Colorado | 1 | $ 493,000 | $ 493,000 | $ 194,000 |
| Weld County Colorado | 1 | $ 144,000 | $ 144,000 | $ 80,000 |
| Columbia County Florida | 1 | $ 112,000 | $ 112,000 | $ 26,000 |
| Highlands County Florida | 1 | $ 115,000 | $ 115,000 | $ 39,000 |
| Jackson County Florida | 1 | $ 76,000 | $ 76,000 | $ 34,000 |
| Taylor County Florida | 1 | $ 77,000 | $ 77,000 | $ 18,000 |
| Wakulla County Florida | 1 | $ 104,000 | $ 104,000 | $ 28,000 |
| Barrow County Georgia | 1 | $ 138,000 | $ 138,000 | $ 86,000 |
| Bulloch County Georgia | 1 | $ 139,000 | $ 139,000 | $ 50,000 |
| Butts County Georgia | 1 | $ 158,000 | $ 158,000 | $ 82,000 |
| Carroll County Georgia | 1 | $ 201,000 | $ 201,000 | $ 49,000 |
| Colquitt County Georgia | 1 | $ 122,000 | $ 122,000 | $ 47,000 |
| Columbia County Georgia | 1 | $ 180,000 | $ 180,000 | $ 43,000 |
| Gordon County Georgia | 1 | $ 153,000 | $ 153,000 | $ 41,000 |
| Haralson County Georgia | 1 | $ 185,000 | $ 185,000 | $ 37,000 |
| Hart County Georgia | 1 | $ 293,000 | $ 293,000 | $ 250,000 |
| Houston County Georgia | 1 | $ 108,000 | $ 108,000 | $ 39,000 |
| Jasper County Georgia | 1 | $ 130,000 | $ 130,000 | $ 48,000 |
| Jones County Georgia | 1 | $ 185,000 | $ 185,000 | $ 60,000 |
| Laurens County Georgia | 1 | $ 134,000 | $ 134,000 | $ 65,000 |
| Lumpkin County Georgia | 1 | $ 200,000 | $ 200,000 | $ 54,000 |
| Monroe County Georgia | 1 | $ 124,000 | $ 124,000 | $ 92,000 |
| Newton County Georgia | 1 | $ 154,000 | $ 154,000 | $ 53,000 |
| Pike County Georgia | 1 | $ 147,000 | $ 147,000 | $ 41,000 |
| Rabun County Georgia | 1 | $ 158,000 | $ 158,000 | $ 57,000 |
| Richmond County Georgia | 1 | $ 99,000 | $ 99,000 | $ 32,000 |
| Screven County Georgia | 1 | $ 113,000 | $ 113,000 | $ 50,000 |
| Troup County Georgia | 1 | $ 152,000 | $ 152,000 | $ 34,000 |
| Upson County Georgia | 1 | $ 259,000 | $ 259,000 | $ 102,000 |
| Walker County Georgia | 1 | $ 88,000 | $ 88,000 | $ 25,000 |
| Wayne County Georgia | 1 | $ 135,000 | $ 135,000 | $ 65,000 |
| Wheeler County Georgia | 1 | $ 157,000 | $ 157,000 | $ 96,000 |
| Whitfield County Georgia | 1 | $ 138,000 | $ 138,000 | $ 161,000 |
| Boone County Illinois | 1 | $ 94,000 | $ 94,000 | $ 20,000 |
| Christian County Illinois | 1 | $ 180,000 | $ 180,000 | $ 75,000 |
| Grundy County Illinois | 1 | $ 144,000 | $ 144,000 | $ 83,000 |
| Iroquois County Illinois | 1 | $ 135,000 | $ 135,000 | $ 60,000 |
| McLean County Illinois | 1 | $ 162,000 | $ 162,000 | $ 161,000 |
| Peoria County Illinois | 1 | $ 93,000 | $ 93,000 | $ 49,000 |
| Stephenson County Illinois | 1 | $ 8,000 | $ 8,000 | $ 69,000 |
| Tazewell County Illinois | 1 | $ 150,000 | $ 150,000 | $ 84,000 |
| Allegany County Maryland | 1 | $ 85,000 | $ 85,000 | $ 39,000 |
| Calvert County Maryland | 1 | $ 370,000 | $ 370,000 | $ 70,000 |
| Caroline County Maryland | 1 | $ 120,000 | $ 120,000 | $ 44,000 |
| Dorchester County Maryland | 1 | $ 102,000 | $ 102,000 | $ 43,000 |
| St. Mary's County Maryland | 1 | $ 193,000 | $ 193,000 | $ 111,000 |
| Wicomico County Maryland | 1 | $ 160,000 | $ 160,000 | $ 40,000 |
| Worcester County Maryland | 1 | $ 100,000 | $ 100,000 | $ 74,000 |
| Monroe County Michigan | 1 | $ 250,000 | $ 250,000 | $ 105,000 |
| Cass County Minnesota | 1 | $ 175,000 | $ 175,000 | $ 34,000 |
| Otter Tail County Minnesota | 1 | $ 185,000 | $ 185,000 | $ 54,000 |
| Yellowstone County Montana | 1 | $ 116,000 | $ 116,000 | $ 121,000 |
| Clackamas County Oregon | 1 | $ 240,000 | $ 240,000 | $ 92,000 |
| Douglas County Oregon | 1 | $ 311,000 | $ 311,000 | $ 82,000 |
| Jefferson County Oregon | 1 | $ 128,000 | $ 128,000 | $ 67,000 |
| Josephine County Oregon | 1 | $ 86,000 | $ 86,000 | $ 120,000 |
| Tillamook County Oregon | 1 | $ 134,000 | $ 134,000 | $ 60,000 |
| Umatilla County Oregon | 1 | $ 65,000 | $ 65,000 | $ 38,000 |
| Horry County South Carolina | 1 | $ 418,000 | $ 418,000 | $ 134,000 |
| Iron County Utah | 1 | $ 62,000 | $ 62,000 | $ 45,000 |
| Millard County Utah | 1 | $ 260,000 | $ 260,000 | $ 61,000 |
| Prince William County Virginia | 1 | $ 189,000 | $ 189,000 | $ 50,000 |
| Grays Harbor County Washington | 1 | $ 185,000 | $ 185,000 | $ 101,000 |
| Island County Washington | 1 | $ 177,000 | $ 177,000 | $ 45,000 |
| Mason County Washington | 1 | $ 115,000 | $ 115,000 | $ 46,000 |
| Thurston County Washington | 1 | $ 167,000 | $ 167,000 | $ 68,000 |
| Whatcom County Washington | 1 | $ 324,000 | $ 324,000 | $ 75,000 |
| Yakima County Washington | 1 | $ 85,000 | $ 85,000 | $ 50,000 |
Mortgage Loan Application Detail Totals for Meritlending.Com in 2005
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 | 2,152 | $459,180,000 | $183,428 | $1,995,000 | $69,857 | $745,000 |
| Home Purchase | 181 | $45,399,000 | $208,500 | $790,000 | $114,200 | $726,000 |
| 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 | 1,342 | $257,275,000 | $205,071 | $1,995,000 | $76,000 | $745,000 |
| White | 577 | $136,018,000 | $188,615 | $1,500,000 | $83,076 | $448,000 |
| Hispanic | 253 | $67,131,000 | $189,600 | $750,000 | $67,800 | $323,000 |
| Black or African American | 84 | $20,961,000 | $218,000 | $1,035,000 | $79,166 | $400,000 |
| Asian | 55 | $17,786,000 | $249,200 | $720,000 | $102,200 | $240,000 |
| Native Hawaiian or Other Pacific Islander | 14 | $3,947,000 | $230,333 | $765,000 | $101,666 | $318,000 |
| American Indian or Alaskan Native | 8 | $1,461,000 | $186,000 | $288,000 | $58,500 | $93,000 |
| 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) | 2,329 | $503,038,000 | $198,187 | $1,995,000 | $81,687 | $745,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $1,541,000 | $405,000 | $772,000 | $93,333 | $186,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 1,239 | $266,329,000 | $192,800 | $1,995,000 | $76,000 | $726,000 |
| Application Withdrawn By Applicant | 823 | $179,992,000 | $198,083 | $1,500,000 | $81,166 | $745,000 |
| Application Denied By Financial Institution | 271 | $58,258,000 | $171,700 | $971,000 | $69,900 | $325,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 101 | $23,013,000 | $172,000 | $750,000 | $71,375 | $260,000 |
| Collateral | 90 | $16,336,000 | $158,100 | $971,000 | $68,500 | $325,000 |
| Employment History | 27 | $7,352,000 | $194,750 | $640,000 | $85,500 | $233,000 |
| Debt-To-Income Ratio | 24 | $6,058,000 | $164,666 | $593,000 | $76,333 | $300,000 |
| Other | 14 | $2,079,000 | $126,800 | $342,000 | $57,400 | $106,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $2,340,000 | $188,500 | $660,000 | $89,250 | $168,000 |
| Unverifiable Information | 1 | $440,000 | $440,000 | $440,000 | $97,000 | $97,000 |
| Credit Application Incomplete | 1 | $129,000 | $129,000 | $129,000 | $27,000 | $27,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Meritlending.Com's 2005 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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.