Milend, Inc Mortgage Lending & HMDA Data, 2013
In 2013, Milend, Inc of Alpharetta, GA reported 3,341 mortgage applications totaling $879.6 million, down 32% from 2012. The average application was for $263,260, and applicants reported an average income of $77,273. 23% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (1,285), Washington-Arlington-Alexandria, DC-VA-MD-WV (358) and Boston-Quincy, MA (256) (applications in parentheses).
| Mortgage Company & Address | Milend, Inc 375 Northridge Rd, Suite 600 Alpharetta, GA 30009 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 |
| Total Number of Mortgage Applications | 3,341 |
| Total Mortgage Loan Application Amount | $879,554,000 |
| Average Mortgage Loan Application Amount | $263,260 |
| Highest Mortgage Loan Application Amount | $2,539,000 |
| Average Applicant Income | $77,273 |
| Highest Applicant Income | $948,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Milend, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Atlanta-Sandy Springs-Marietta, GA | 1,285 | $ 275,006,000 | $ 214,012 | $ 78,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 358 | $ 134,034,000 | $ 374,396 | $ 109,067 |
| Boston-Quincy, MA | 256 | $ 80,378,000 | $ 313,976 | $ 60,000 |
| Cambridge-Newton-Framingham, MA | 215 | $ 68,661,000 | $ 319,353 | $ 78,000 |
| Baltimore-Towson, MD | 159 | $ 47,038,000 | $ 295,836 | $ 84,000 |
| Peabody, MA | 110 | $ 35,655,000 | $ 324,136 | $ 61,000 |
| Bethesda-Rockville-Frederick, MD | 99 | $ 36,652,000 | $ 370,222 | $ 95,000 |
| Philadelphia, PA | 77 | $ 21,351,000 | $ 277,285 | $ 90,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 73 | $ 17,121,000 | $ 234,534 | $ 59,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 65 | $ 16,597,000 | $ 255,338 | $ 87,000 |
| Worcester, MA | 64 | $ 15,967,000 | $ 249,484 | $ 47,000 |
| Providence-New Bedford-Fall River, RI-MA | 47 | $ 12,084,000 | $ 257,106 | $ 39,000 |
| Springfield, MA | 40 | $ 7,156,000 | $ 178,900 | $ 41,000 |
| Richmond, VA | 38 | $ 9,704,000 | $ 255,368 | $ 72,000 |
| Gainesville, GA | 32 | $ 8,297,000 | $ 259,281 | $ 73,000 |
| Athens-Clarke County, GA | 16 | $ 2,865,000 | $ 179,062 | $ 57,000 |
| Barnstable Town, MA | 16 | $ 3,945,000 | $ 246,562 | $ 50,000 |
| York-Hanover, PA | 14 | $ 3,092,000 | $ 220,857 | $ 73,000 |
| Pittsburgh, PA | 13 | $ 4,327,000 | $ 332,846 | $ 85,000 |
| Augusta-Richmond County, GA-SC | 12 | $ 2,386,000 | $ 198,833 | $ 70,000 |
| Savannah, GA | 12 | $ 2,652,000 | $ 221,000 | $ 88,000 |
| Charlottesville, VA | 10 | $ 2,328,000 | $ 232,800 | $ 64,000 |
| Birmingham-Hoover, AL | 9 | $ 2,425,000 | $ 269,444 | $ 54,000 |
| Hagerstown-Martinsburg, MD-WV | 8 | $ 2,582,000 | $ 322,750 | $ 91,000 |
| Macon, GA | 7 | $ 1,107,000 | $ 158,142 | $ 54,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 6 | $ 1,553,000 | $ 258,833 | $ 99,000 |
| Harrisburg-Carlisle, PA | 6 | $ 1,065,000 | $ 177,500 | $ 42,000 |
| Lynchburg, VA | 6 | $ 1,273,000 | $ 212,166 | $ 81,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 5 | $ 1,402,000 | $ 280,400 | $ 185,000 |
| Columbus, GA-AL | 5 | $ 986,000 | $ 197,200 | $ 41,000 |
| Kingsport-Bristol-Bristol, TN-VA | 5 | $ 1,169,000 | $ 233,800 | $ 73,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 5 | $ 1,277,000 | $ 255,400 | $ 58,000 |
| Wilmington, DE-MD-NJ | 5 | $ 1,337,000 | $ 267,400 | $ 92,000 |
| Albany, GA | 4 | $ 548,000 | $ 137,000 | $ 38,000 |
| Blacksburg-Christiansburg-Radford, VA | 4 | $ 812,000 | $ 203,000 | $ 88,000 |
| Chattanooga, TN-GA | 4 | $ 679,000 | $ 169,750 | $ 52,000 |
| Jacksonville, FL | 4 | $ 974,000 | $ 243,500 | $ 31,000 |
| Lancaster, PA | 4 | $ 1,271,000 | $ 317,750 | $ 57,000 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 1,183,000 | $ 295,750 | $ 30,000 |
| Orlando-Kissimmee-Sanford, FL | 4 | $ 1,163,000 | $ 290,750 | $ 39,000 |
| Roanoke, VA | 4 | $ 857,000 | $ 214,250 | $ 53,000 |
| Scranton--Wilkes-Barre, PA | 4 | $ 720,000 | $ 180,000 | $ 32,000 |
| Valdosta, GA | 4 | $ 622,000 | $ 155,500 | $ 130,000 |
| Winchester, VA-WV | 4 | $ 1,036,000 | $ 259,000 | $ 80,000 |
| Dalton, GA | 3 | $ 512,000 | $ 170,666 | $ 49,000 |
| Greensboro-High Point, NC | 3 | $ 627,000 | $ 209,000 | $ 90,000 |
| Hinesville-Fort Stewart, GA | 3 | $ 585,000 | $ 195,000 | $ 83,000 |
| Rome, GA | 3 | $ 334,000 | $ 111,333 | $ 29,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 1,330,000 | $ 443,333 | $ 0 |
| Asheville, NC | 2 | $ 276,000 | $ 138,000 | $ 86,000 |
| Chicago-Joliet-Naperville, IL | 2 | $ 703,000 | $ 351,500 | $ 113,000 |
| Duluth, MN-WI | 2 | $ 187,000 | $ 93,500 | $ 121,000 |
| Erie, PA | 2 | $ 360,000 | $ 180,000 | $ 51,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 385,000 | $ 192,500 | $ 56,000 |
| Harrisonburg, VA | 2 | $ 321,000 | $ 160,500 | $ 41,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 436,000 | $ 218,000 | $ 55,000 |
| Palm Coast, FL | 2 | $ 490,000 | $ 245,000 | $ 31,000 |
| Reading, PA | 2 | $ 394,000 | $ 197,000 | $ 51,000 |
| Warner Robins, GA | 2 | $ 389,000 | $ 194,500 | $ 48,000 |
| Auburn-Opelika, AL | 1 | $ 186,000 | $ 186,000 | $ 73,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 157,000 | $ 157,000 | $ 0 |
| Danville, VA | 1 | $ 185,000 | $ 185,000 | $ 102,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 179,000 | $ 179,000 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Fayetteville, NC | 1 | $ 139,000 | $ 139,000 | $ 86,000 |
| Lebanon, PA | 1 | $ 235,000 | $ 235,000 | $ 85,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 1 | $ 205,000 | $ 205,000 | $ 135,000 |
| Pittsfield, MA | 1 | $ 140,000 | $ 140,000 | $ 59,000 |
| Punta Gorda, FL | 1 | $ 223,000 | $ 223,000 | $ 133,000 |
| Raleigh-Cary, NC | 1 | $ 132,000 | $ 132,000 | $ 60,000 |
| Rochester, MN | 1 | $ 151,000 | $ 151,000 | $ 45,000 |
| Salisbury, MD | 1 | $ 250,000 | $ 250,000 | $ 104,000 |
| St. Cloud, MN | 1 | $ 180,000 | $ 180,000 | $ 52,000 |
| Tallahassee, FL | 1 | $ 260,000 | $ 260,000 | $ 0 |
| Tuscaloosa, AL | 1 | $ 280,000 | $ 280,000 | $ 0 |
Mortgage Loan Application Detail Totals for Milend, Inc in 2013
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 | 3,162 | $835,091,000 | $264,000 | $2,539,000 | $76,000 | $600,000 |
| Home Purchase | 178 | $44,310,000 | $248,000 | $750,000 | $100,000 | $948,000 |
| Home Improvement | 1 | $153,000 | $153,000 | $153,000 | $60,000 | $60,000 |
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 | 1,847 | $480,493,000 | $260,000 | $1,965,000 | $97,000 | $948,000 |
| Not Provided | 1,073 | $285,277,000 | $265,000 | $2,539,000 | $36,000 | $600,000 |
| Black or African American | 251 | $65,362,000 | $260,000 | $1,290,000 | $88,000 | $492,000 |
| Asian | 85 | $26,126,000 | $307,000 | $935,000 | $105,000 | $242,000 |
| Hispanic | 77 | $20,311,000 | $263,000 | $900,000 | $90,000 | $445,000 |
| American Indian or Alaskan Native | 5 | $1,209,000 | $241,000 | $399,000 | $97,000 | $169,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $776,000 | $258,000 | $277,000 | $103,000 | $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) | 1,977 | $512,413,000 | $259,000 | $2,539,000 | $78,000 | $948,000 |
| FHA-insured (Federal Housing Administration) | 988 | $254,078,000 | $257,000 | $733,000 | $66,000 | $340,000 |
| VA-guaranteed (Veterans Administration) | 353 | $109,806,000 | $311,000 | $1,043,000 | $104,000 | $415,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 23 | $3,257,000 | $141,000 | $295,000 | $45,000 | $156,000 |
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 | 1,729 | $458,464,000 | $265,000 | $2,539,000 | $73,000 | $948,000 |
| Loan Originated | 785 | $208,776,000 | $265,000 | $949,000 | $104,000 | $653,000 |
| Application Denied By Financial Institution | 766 | $195,527,000 | $255,000 | $1,290,000 | $56,000 | $415,000 |
| Application Approved But Not Accepted | 55 | $14,792,000 | $268,000 | $1,065,000 | $109,000 | $390,000 |
| File Closed For Incompleteness | 6 | $1,995,000 | $332,000 | $415,000 | $162,000 | $400,000 |
| 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 | 298 | $72,093,000 | $241,000 | $935,000 | $29,000 | $240,000 |
| Credit Application Incomplete | 195 | $51,408,000 | $263,000 | $1,043,000 | $74,000 | $415,000 |
| Collateral | 115 | $27,477,000 | $238,000 | $875,000 | $68,000 | $323,000 |
| Debt-To-Income Ratio | 86 | $24,153,000 | $280,000 | $1,290,000 | $58,000 | $169,000 |
| Other | 54 | $16,126,000 | $298,000 | $710,000 | $110,000 | $400,000 |
| Employment History | 9 | $1,875,000 | $208,000 | $324,000 | $54,000 | $173,000 |
| Unverifiable Information | 3 | $481,000 | $160,000 | $181,000 | $76,000 | $118,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $388,000 | $194,000 | $253,000 | $42,000 | $46,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Milend, Inc's 2013 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 Milend, Inc'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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