Metwest Mortgage & Services, I Mortgage Lending & HMDA Data, 2003
In 2003, Metwest Mortgage & Services, I of Spokane, WA reported 241 mortgage applications totaling $10.9 million. The average application was for $45,278, and applicants reported an average income of $75,970. 49% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Detroit, MI (7), Longview-Marshall, TX (7) and Houston, TX (6) (applications in parentheses).
| Mortgage Company & Address | Metwest Mortgage & Services, I 601 West 1st Avenue, Dept. 113100 Spokane, WA 99201 |
| Federal Regulator | * available with data download |
| Years | 2003 |
| Total Number of Mortgage Applications | 241 |
| Total Mortgage Loan Application Amount | $10,912,000 |
| Average Mortgage Loan Application Amount | $45,278 |
| Highest Mortgage Loan Application Amount | $880,000 |
| Average Applicant Income | $75,970 |
| Highest Applicant Income | $4,800,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Metwest Mortgage & Services, I filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Union, Mississippi | 10 | $ 473,000 | $ 47,300 | $ 23,000 |
| Mohave, Arizona | 9 | $ 239,000 | $ 26,555 | $ 34,000 |
| Dawson, Texas | 8 | $ 286,000 | $ 35,750 | $ 34,000 |
| Yavapai, Arizona | 6 | $ 204,000 | $ 34,000 | $ 58,000 |
| Wayne, Michigan | 6 | $ 217,000 | $ 36,166 | $ 78,000 |
| Spokane, Washington | 6 | $ 354,000 | $ 59,000 | $ 87,000 |
| Travis, Texas | 5 | $ 252,000 | $ 50,400 | $ 60,000 |
| Marion, Florida | 4 | $ 98,000 | $ 24,500 | $ 40,000 |
| Effingham, Georgia | 4 | $ 151,000 | $ 37,750 | $ 46,000 |
| Harris, Texas | 4 | $ 227,000 | $ 56,750 | $ 140,000 |
| Harrison, Texas | 4 | $ 129,000 | $ 32,250 | $ 33,000 |
| Hidalgo, Texas | 4 | $ 89,000 | $ 22,250 | $ 25,000 |
| Apache, Arizona | 3 | $ 103,000 | $ 34,333 | $ 46,000 |
| Pasco, Florida | 3 | $ 99,000 | $ 33,000 | $ 54,000 |
| Greene, New York | 3 | $ 75,000 | $ 25,000 | $ 74,000 |
| Douglas, Oregon | 3 | $ 201,000 | $ 67,000 | $ 101,000 |
| Aransas, Texas | 3 | $ 61,000 | $ 20,333 | $ 50,000 |
| Jefferson, Texas | 3 | $ 76,000 | $ 25,333 | $ 46,000 |
| Jim Wells, Texas | 3 | $ 89,000 | $ 29,666 | $ 23,000 |
| Cowlitz, Washington | 3 | $ 192,000 | $ 64,000 | $ 70,000 |
| Jefferson, Alabama | 2 | $ 27,000 | $ 13,500 | $ 25,000 |
| Cochise, Arizona | 2 | $ 42,000 | $ 21,000 | $ 25,000 |
| Navajo, Arizona | 2 | $ 47,000 | $ 23,500 | $ 33,000 |
| Pima, Arizona | 2 | $ 93,000 | $ 46,500 | $ 21,000 |
| Yuma, Arizona | 2 | $ 48,000 | $ 24,000 | $ 109,000 |
| Pulaski, Arkansas | 2 | $ 9,000 | $ 4,500 | $ 17,000 |
| Custer, Colorado | 2 | $ 127,000 | $ 63,500 | $ 43,000 |
| Honolulu, Hawaii | 2 | $ 1,202,000 | $ 601,000 | $ 2,440,000 |
| Cook, Illinois | 2 | $ 228,000 | $ 114,000 | $ 45,000 |
| Douglas, Missouri | 2 | $ 91,000 | $ 45,500 | $ 31,000 |
| Cascade, Montana | 2 | $ 55,000 | $ 27,500 | $ 23,000 |
| Clark, Nevada | 2 | $ 78,000 | $ 39,000 | $ 46,000 |
| Lander, Nevada | 2 | $ 53,000 | $ 26,500 | $ 35,000 |
| Nye, Nevada | 2 | $ 118,000 | $ 59,000 | $ 108,000 |
| Roosevelt, New Mexico | 2 | $ 34,000 | $ 17,000 | $ 32,000 |
| McClain, Oklahoma | 2 | $ 110,000 | $ 55,000 | $ 29,000 |
| Okmulgee, Oklahoma | 2 | $ 198,000 | $ 99,000 | $ 23,000 |
| Philadelphia, Pennsylvania | 2 | $ 66,000 | $ 33,000 | $ 27,000 |
| Laurens, South Carolina | 2 | $ 25,000 | $ 12,500 | $ 35,000 |
| Marlboro, South Carolina | 2 | $ 27,000 | $ 13,500 | $ 41,000 |
| Richland, South Carolina | 2 | $ 90,000 | $ 45,000 | $ 25,000 |
| York, South Carolina | 2 | $ 50,000 | $ 25,000 | $ 35,000 |
| Bowie, Texas | 2 | $ 29,000 | $ 14,500 | $ 27,000 |
| Gregg, Texas | 2 | $ 33,000 | $ 16,500 | $ 19,000 |
| Henderson, Texas | 2 | $ 33,000 | $ 16,500 | $ 16,000 |
| Johnson, Texas | 2 | $ 28,000 | $ 14,000 | $ 547,000 |
| Midland, Texas | 2 | $ 48,000 | $ 24,000 | $ 38,000 |
| Navarro, Texas | 2 | $ 24,000 | $ 12,000 | $ 33,000 |
| Randall, Texas | 2 | $ 79,000 | $ 39,500 | $ 64,000 |
| Tarrant, Texas | 2 | $ 66,000 | $ 33,000 | $ 75,000 |
| Kitsap, Washington | 2 | $ 110,000 | $ 55,000 | $ 39,000 |
| Okanogan, Washington | 2 | $ 62,000 | $ 31,000 | $ 40,000 |
| Pierce, Washington | 2 | $ 160,000 | $ 80,000 | $ 180,000 |
| Stevens, Washington | 2 | $ 120,000 | $ 60,000 | $ 83,000 |
| Calhoun, Alabama | 1 | $ 45,000 | $ 45,000 | $ 53,000 |
| St. Clair, Alabama | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Haines, Alaska | 1 | $ 125,000 | $ 125,000 | $ 51,000 |
| Coconino, Arizona | 1 | $ 19,000 | $ 19,000 | $ 98,000 |
| Pinal, Arizona | 1 | $ 26,000 | $ 26,000 | $ 36,000 |
| Boone, Arkansas | 1 | $ 35,000 | $ 35,000 | $ 34,000 |
| Marion, Arkansas | 1 | $ 48,000 | $ 48,000 | $ 25,000 |
| Las Animas, Colorado | 1 | $ 19,000 | $ 19,000 | $ 29,000 |
| Broward, Florida | 1 | $ 20,000 | $ 20,000 | $ 150,000 |
| Pinellas, Florida | 1 | $ 31,000 | $ 31,000 | $ 26,000 |
| Sumter, Florida | 1 | $ 21,000 | $ 21,000 | $ 32,000 |
| Volusia, Florida | 1 | $ 28,000 | $ 28,000 | $ 28,000 |
| Cobb, Georgia | 1 | $ 170,000 | $ 170,000 | $ 24,000 |
| Screven, Georgia | 1 | $ 68,000 | $ 68,000 | $ 47,000 |
| White, Georgia | 1 | $ 33,000 | $ 33,000 | $ 55,000 |
| Bonneville, Idaho | 1 | $ 46,000 | $ 46,000 | $ 28,000 |
| Kootenai, Idaho | 1 | $ 45,000 | $ 45,000 | $ 48,000 |
| Lewis, Idaho | 1 | $ 13,000 | $ 13,000 | $ 64,000 |
| Shoshone, Idaho | 1 | $ 60,000 | $ 60,000 | $ 14,000 |
| Sedgwick, Kansas | 1 | $ 39,000 | $ 39,000 | $ 0 |
| Edmonson, Kentucky | 1 | $ 37,000 | $ 37,000 | $ 82,000 |
| Greenup, Kentucky | 1 | $ 36,000 | $ 36,000 | $ 34,000 |
| Tangipahoa, Louisiana | 1 | $ 49,000 | $ 49,000 | $ 30,000 |
| Jackson, Michigan | 1 | $ 27,000 | $ 27,000 | $ 89,000 |
| Lapeer, Michigan | 1 | $ 69,000 | $ 69,000 | $ 19,000 |
| Mower, Minnesota | 1 | $ 60,000 | $ 60,000 | $ 43,000 |
| Forrest, Mississippi | 1 | $ 42,000 | $ 42,000 | $ 50,000 |
| St. Louis City, Missouri | 1 | $ 20,000 | $ 20,000 | $ 21,000 |
| Fergus, Montana | 1 | $ 38,000 | $ 38,000 | $ 27,000 |
| Jefferson, Montana | 1 | $ 49,000 | $ 49,000 | $ 89,000 |
| Roosevelt, Montana | 1 | $ 12,000 | $ 12,000 | $ 123,000 |
| Catron, New Mexico | 1 | $ 18,000 | $ 18,000 | $ 33,000 |
| Dona Ana, New Mexico | 1 | $ 92,000 | $ 92,000 | $ 142,000 |
| Eddy, New Mexico | 1 | $ 9,000 | $ 9,000 | $ 66,000 |
| San Juan, New Mexico | 1 | $ 55,000 | $ 55,000 | $ 41,000 |
| Chenango, New York | 1 | $ 14,000 | $ 14,000 | $ 16,000 |
| Onondaga, New York | 1 | $ 27,000 | $ 27,000 | $ 26,000 |
| Orange, New York | 1 | $ 63,000 | $ 63,000 | $ 40,000 |
| Oswego, New York | 1 | $ 19,000 | $ 19,000 | $ 25,000 |
| Wyoming, New York | 1 | $ 49,000 | $ 49,000 | $ 50,000 |
| Yates, New York | 1 | $ 7,000 | $ 7,000 | $ 37,000 |
| Cherokee, North Carolina | 1 | $ 52,000 | $ 52,000 | $ 31,000 |
| Rockingham, North Carolina | 1 | $ 59,000 | $ 59,000 | $ 33,000 |
| Caddo, Oklahoma | 1 | $ 16,000 | $ 16,000 | $ 27,000 |
| Sequoyah, Oklahoma | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Clackamas, Oregon | 1 | $ 297,000 | $ 297,000 | $ 120,000 |
| Deschutes, Oregon | 1 | $ 68,000 | $ 68,000 | $ 41,000 |
| Jackson, Oregon | 1 | $ 63,000 | $ 63,000 | $ 48,000 |
| Josephine, Oregon | 1 | $ 87,000 | $ 87,000 | $ 141,000 |
| Linn, Oregon | 1 | $ 42,000 | $ 42,000 | $ 30,000 |
| Polk, Oregon | 1 | $ 50,000 | $ 50,000 | $ 78,000 |
| Umatilla, Oregon | 1 | $ 58,000 | $ 58,000 | $ 71,000 |
| Monroe, Pennsylvania | 1 | $ 18,000 | $ 18,000 | $ 0 |
| Bexar, Texas | 1 | $ 22,000 | $ 22,000 | $ 39,000 |
| Callahan, Texas | 1 | $ 22,000 | $ 22,000 | $ 40,000 |
| Dallas, Texas | 1 | $ 69,000 | $ 69,000 | $ 120,000 |
| El Paso, Texas | 1 | $ 38,000 | $ 38,000 | $ 105,000 |
| Freestone, Texas | 1 | $ 28,000 | $ 28,000 | $ 21,000 |
| Galveston, Texas | 1 | $ 30,000 | $ 30,000 | $ 114,000 |
| Grimes, Texas | 1 | $ 114,000 | $ 114,000 | $ 183,000 |
| Hardin, Texas | 1 | $ 19,000 | $ 19,000 | $ 72,000 |
| Liberty, Texas | 1 | $ 71,000 | $ 71,000 | $ 53,000 |
| Montgomery, Texas | 1 | $ 35,000 | $ 35,000 | $ 76,000 |
| Parker, Texas | 1 | $ 26,000 | $ 26,000 | $ 24,000 |
| San Patricio, Texas | 1 | $ 41,000 | $ 41,000 | $ 88,000 |
| Smith, Texas | 1 | $ 20,000 | $ 20,000 | $ 42,000 |
| Trinity, Texas | 1 | $ 25,000 | $ 25,000 | $ 42,000 |
| Upshur, Texas | 1 | $ 32,000 | $ 32,000 | $ 18,000 |
| Van Zandt, Texas | 1 | $ 9,000 | $ 9,000 | $ 27,000 |
| Winkler, Texas | 1 | $ 25,000 | $ 25,000 | $ 58,000 |
| Box Elder, Utah | 1 | $ 61,000 | $ 61,000 | $ 74,000 |
| Carbon, Utah | 1 | $ 31,000 | $ 31,000 | $ 26,000 |
| Iron, Utah | 1 | $ 23,000 | $ 23,000 | $ 170,000 |
| Washington, Utah | 1 | $ 77,000 | $ 77,000 | $ 44,000 |
| Clark, Washington | 1 | $ 171,000 | $ 171,000 | $ 105,000 |
| Grays Harbor, Washington | 1 | $ 58,000 | $ 58,000 | $ 26,000 |
| Mason, Washington | 1 | $ 13,000 | $ 13,000 | $ 180,000 |
| Snohomish, Washington | 1 | $ 44,000 | $ 44,000 | $ 38,000 |
| Yakima, Washington | 1 | $ 40,000 | $ 40,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for Metwest Mortgage & Services, I in 2003
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 (one-to-four family) | 241 | $10,912,000 | $66,310 | $880,000 | $127,275 | $4,800,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $0 | $0 |
| Refinancing (home purchase or home improvement, one-to-four family) | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement (one-to-four family) | 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 |
|---|---|---|---|---|---|---|
| White | 113 | $5,524,000 | $76,958 | $880,000 | $250,541 | $4,800,000 |
| Information not provided by applicant in mail or telephone application | 78 | $3,272,000 | $54,115 | $322,000 | $36,115 | $267,000 |
| Hispanic | 23 | $736,000 | $41,750 | $75,000 | $70,000 | $170,000 |
| Black | 19 | $1,062,000 | $61,100 | $190,000 | $52,200 | $183,000 |
| American Indian or Alaskan Native | 4 | $147,000 | $31,000 | $89,000 | $76,333 | $264,000 |
| Asian or Pacific Islander | 2 | $71,000 | $35,000 | $38,000 | $61,000 | $105,000 |
| Other | 2 | $100,000 | $50,000 | $75,000 | $108,000 | $132,000 |
| 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) | 241 | $10,912,000 | $66,310 | $880,000 | $127,275 | $4,800,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 119 | $4,669,000 | $43,545 | $171,000 | $55,227 | $1,069,000 |
| Application Approved But Not Accepted | 90 | $4,284,000 | $76,434 | $880,000 | $243,000 | $4,800,000 |
| Application Denied By Financial Institution | 30 | $1,879,000 | $82,071 | $322,000 | $48,785 | $264,000 |
| Application Withdrawn By Applicant | 2 | $80,000 | $40,000 | $65,000 | $69,000 | $120,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Metwest Mortgage & Services, I's 2003 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 Metwest Mortgage & Services, I'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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