Millennium Home Loans Mortgage Lending & HMDA Data, 2006
In 2006, Millennium Home Loans of Las Vegas, NV reported 906 mortgage applications totaling $187.1 million. The average application was for $206,529, and applicants reported an average income of $119,325. 29% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Las Vegas-Paradise, NV (313), Camden, NJ (79) and Chicago-Naperville-Joliet, IL (26) (applications in parentheses).
| Mortgage Company & Address | Millennium Home Loans 8685 West Sahara Ste 280 Las Vegas, NV 89117 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 |
| Total Number of Mortgage Applications | 906 |
| Total Mortgage Loan Application Amount | $187,116,000 |
| Average Mortgage Loan Application Amount | $206,529 |
| Highest Mortgage Loan Application Amount | $2,125,000 |
| Average Applicant Income | $119,325 |
| Highest Applicant Income | $1,740,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Millennium Home Loans filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 313 | $ 72,902,000 | $ 232,913 | $ 110,000 |
| Camden, NJ | 79 | $ 14,563,000 | $ 184,341 | $ 90,000 |
| Chicago-Naperville-Joliet, IL | 26 | $ 5,600,000 | $ 215,384 | $ 118,000 |
| Fort Walton Beach-Crestview-Destin, FL | 26 | $ 3,139,000 | $ 120,730 | $ 117,000 |
| Atlanta-Sandy Springs-Marietta, GA | 18 | $ 3,245,000 | $ 180,277 | $ 138,000 |
| New York-White Plains-Wayne, NY-NJ | 15 | $ 5,510,000 | $ 367,333 | $ 133,600 |
| Philadelphia, PA | 15 | $ 2,877,000 | $ 191,800 | $ 87,000 |
| Charlotte-Gastonia-Concord, NC-SC | 14 | $ 1,727,000 | $ 123,357 | $ 105,000 |
| Columbus, OH | 12 | $ 1,679,000 | $ 139,916 | $ 59,000 |
| Edison, NJ | 12 | $ 3,073,000 | $ 256,083 | $ 96,000 |
| Phoenix-Mesa-Scottsdale, AZ | 12 | $ 2,153,000 | $ 179,416 | $ 133,000 |
| Trenton-Ewing, NJ | 12 | $ 1,880,000 | $ 156,666 | $ 59,000 |
| Cleveland-Elyria-Mentor, OH | 10 | $ 1,414,000 | $ 141,400 | $ 66,000 |
| Portland-Vancouver-Beaverton, OR-WA | 9 | $ 2,103,000 | $ 233,666 | $ 137,777 |
| Atlantic City, NJ | 8 | $ 1,837,000 | $ 229,625 | $ 74,000 |
| Riverside-San Bernardino-Ontario, CA | 8 | $ 2,225,000 | $ 278,125 | $ 158,000 |
| Salt Lake City, UT | 8 | $ 1,284,000 | $ 160,500 | $ 68,000 |
| Los Angeles-Long Beach-Glendale, CA | 7 | $ 1,842,000 | $ 263,142 | $ 101,000 |
| Nashville-Davidson--Murfreesboro, TN | 7 | $ 825,000 | $ 117,857 | $ 84,000 |
| Pensacola-Ferry Pass-Brent, FL | 7 | $ 1,052,000 | $ 150,285 | $ 33,000 |
| Austin-Round Rock, TX | 6 | $ 2,632,000 | $ 438,666 | $ 256,000 |
| Hickory-Lenoir-Morganton, NC | 6 | $ 508,000 | $ 84,666 | $ 72,000 |
| Newark-Union, NJ-PA | 6 | $ 1,352,000 | $ 225,333 | $ 58,000 |
| New Orleans-Metairie-Kenner, LA | 5 | $ 920,000 | $ 184,000 | $ 97,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 5 | $ 1,668,000 | $ 333,600 | $ 69,600 |
| Bellingham, WA | 4 | $ 740,000 | $ 185,000 | $ 194,000 |
| Bridgeport-Stamford-Norwalk, CT | 4 | $ 1,027,000 | $ 256,750 | $ 110,000 |
| Canton-Massillon, OH | 4 | $ 269,000 | $ 67,250 | $ 38,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 4 | $ 493,000 | $ 123,250 | $ 92,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 4 | $ 466,000 | $ 116,500 | $ 48,000 |
| New Haven-Milford, CT | 4 | $ 951,000 | $ 237,750 | $ 147,000 |
| Bethesda-Gaithersburg-Frederick, MD | 3 | $ 1,408,000 | $ 469,333 | $ 171,000 |
| Cincinnati-Middletown, OH-KY-IN | 3 | $ 289,000 | $ 96,333 | $ 64,000 |
| Dallas-Plano-Irving, TX | 3 | $ 191,000 | $ 63,666 | $ 95,000 |
| Gary, IN | 3 | $ 292,000 | $ 97,333 | $ 100,000 |
| Grand Rapids-Wyoming, MI | 3 | $ 416,000 | $ 138,666 | $ 117,000 |
| Lynchburg, VA | 3 | $ 229,000 | $ 76,333 | $ 44,000 |
| Richmond, VA | 3 | $ 615,000 | $ 205,000 | $ 123,000 |
| San Diego-Carlsbad-San Marcos, CA | 3 | $ 972,000 | $ 324,000 | $ 220,000 |
| Savannah, GA | 3 | $ 1,767,000 | $ 589,000 | $ 258,000 |
| Scranton--Wilkes-Barre, PA | 3 | $ 271,000 | $ 90,333 | $ 40,000 |
| Springfield, MA | 3 | $ 423,000 | $ 141,000 | $ 78,000 |
| Tacoma, WA | 3 | $ 580,000 | $ 193,333 | $ 87,000 |
| Tulsa, OK | 3 | $ 301,000 | $ 100,333 | $ 59,000 |
| Vineland-Millville-Bridgeton, NJ | 3 | $ 455,000 | $ 151,666 | $ 54,000 |
| Youngstown-Warren-Boardman, OH-PA | 3 | $ 182,000 | $ 60,666 | $ 63,000 |
| Albuquerque, NM | 2 | $ 235,000 | $ 117,500 | $ 106,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 610,000 | $ 305,000 | $ 85,000 |
| Ann Arbor, MI | 2 | $ 492,000 | $ 246,000 | $ 66,000 |
| Baltimore-Towson, MD | 2 | $ 227,000 | $ 113,500 | $ 78,000 |
| Bangor, ME | 2 | $ 991,000 | $ 495,500 | $ 144,000 |
| Birmingham-Hoover, AL | 2 | $ 322,000 | $ 161,000 | $ 68,000 |
| Buffalo-Niagara Falls, NY | 2 | $ 176,000 | $ 88,000 | $ 54,000 |
| Clarksville, TN-KY | 2 | $ 181,000 | $ 90,500 | $ 67,500 |
| Columbia, SC | 2 | $ 137,000 | $ 68,500 | $ 33,000 |
| Decatur, AL | 2 | $ 74,000 | $ 37,000 | $ 200,000 |
| Denver-Aurora, CO | 2 | $ 618,000 | $ 309,000 | $ 300,000 |
| Detroit-Livonia-Dearborn, MI | 2 | $ 159,000 | $ 79,500 | $ 50,000 |
| Eau Claire, WI | 2 | $ 945,000 | $ 472,500 | $ 661,000 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 278,000 | $ 139,000 | $ 123,000 |
| Houston-Sugar Land-Baytown, TX | 2 | $ 392,000 | $ 196,000 | $ 93,000 |
| Kansas City, MO-KS | 2 | $ 105,000 | $ 52,500 | $ 48,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 606,000 | $ 303,000 | $ 90,000 |
| Lakeland, FL | 2 | $ 364,000 | $ 182,000 | $ 133,000 |
| Louisville-Jefferson County, KY-IN | 2 | $ 110,000 | $ 55,000 | $ 98,000 |
| Raleigh-Cary, NC | 2 | $ 506,000 | $ 253,000 | $ 102,000 |
| Santa Ana-Anaheim-Irvine, CA | 2 | $ 506,000 | $ 253,000 | $ 141,000 |
| Spokane, WA | 2 | $ 179,000 | $ 89,500 | $ 63,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 2 | $ 155,000 | $ 77,500 | $ 46,000 |
| Wilmington, DE-MD-NJ | 2 | $ 337,000 | $ 168,500 | $ 48,500 |
| Winston-Salem, NC | 2 | $ 1,386,000 | $ 693,000 | $ 468,000 |
| Worcester, MA | 2 | $ 625,000 | $ 312,500 | $ 270,000 |
| Yuma, AZ | 2 | $ 633,000 | $ 316,500 | $ 240,000 |
| Akron, OH | 1 | $ 52,000 | $ 52,000 | $ 92,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 104,000 | $ 104,000 | $ 28,000 |
| Bremerton-Silverdale, WA | 1 | $ 270,000 | $ 270,000 | $ 84,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 244,000 | $ 244,000 | $ 107,000 |
| Carson City, NV | 1 | $ 280,000 | $ 280,000 | $ 80,000 |
| Dayton, OH | 1 | $ 106,000 | $ 106,000 | $ 42,000 |
| Durham, NC | 1 | $ 113,000 | $ 113,000 | $ 157,000 |
| Farmington, NM | 1 | $ 126,000 | $ 126,000 | $ 68,000 |
| Flint, MI | 1 | $ 100,000 | $ 100,000 | $ 47,000 |
| Florence, SC | 1 | $ 320,000 | $ 320,000 | $ 180,000 |
| Fort Worth-Arlington, TX | 1 | $ 150,000 | $ 150,000 | $ 198,000 |
| Greensboro-High Point, NC | 1 | $ 128,000 | $ 128,000 | $ 58,000 |
| Gulfport-Biloxi, MS | 1 | $ 169,000 | $ 169,000 | $ 0 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 268,000 | $ 268,000 | $ 100,000 |
| Holland-Grand Haven, MI | 1 | $ 90,000 | $ 90,000 | $ 39,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 83,000 | $ 83,000 | $ 52,000 |
| Idaho Falls, ID | 1 | $ 170,000 | $ 170,000 | $ 160,000 |
| Indianapolis-Carmel, IN | 1 | $ 162,000 | $ 162,000 | $ 48,000 |
| Jackson, MS | 1 | $ 32,000 | $ 32,000 | $ 140,000 |
| Johnstown, PA | 1 | $ 171,000 | $ 171,000 | $ 95,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 50,000 | $ 50,000 | $ 36,000 |
| Lafayette, LA | 1 | $ 217,000 | $ 217,000 | $ 77,000 |
| Madera, CA | 1 | $ 250,000 | $ 250,000 | $ 82,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 240,000 | $ 240,000 | $ 84,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 84,000 | $ 84,000 | $ 37,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 240,000 | $ 240,000 | $ 78,000 |
| Nassau-Suffolk, NY | 1 | $ 324,000 | $ 324,000 | $ 52,000 |
| Oakland-Fremont-Hayward, CA | 1 | $ 168,000 | $ 168,000 | $ 245,000 |
| Ocean City, NJ | 1 | $ 140,000 | $ 140,000 | $ 48,000 |
| Pittsfield, MA | 1 | $ 230,000 | $ 230,000 | $ 199,000 |
| Port St. Lucie-Fort Pierce, FL | 1 | $ 150,000 | $ 150,000 | $ 33,000 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 98,000 | $ 98,000 | $ 58,000 |
| Provo-Orem, UT | 1 | $ 355,000 | $ 355,000 | $ 90,000 |
| Rapid City, SD | 1 | $ 112,000 | $ 112,000 | $ 104,000 |
| Rockford, IL | 1 | $ 108,000 | $ 108,000 | $ 43,000 |
| Rocky Mount, NC | 1 | $ 105,000 | $ 105,000 | $ 100,000 |
| Salinas, CA | 1 | $ 250,000 | $ 250,000 | $ 72,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 305,000 | $ 305,000 | $ 60,000 |
| Stockton, CA | 1 | $ 520,000 | $ 520,000 | $ 113,000 |
| Syracuse, NY | 1 | $ 211,000 | $ 211,000 | $ 70,000 |
| Tallahassee, FL | 1 | $ 160,000 | $ 160,000 | $ 87,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 181,000 | $ 181,000 | $ 0 |
| Utica-Rome, NY | 1 | $ 138,000 | $ 138,000 | $ 222,000 |
| Waco, TX | 1 | $ 101,000 | $ 101,000 | $ 67,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 207,000 | $ 207,000 | $ 74,000 |
| York-Hanover, PA | 1 | $ 414,000 | $ 414,000 | $ 135,000 |
Mortgage Loan Application Detail Totals for Millennium Home Loans in 2006
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 | 683 | $145,299,000 | $212,000 | $2,016,000 | $106,000 | $1,740,000 |
| Home Purchase | 221 | $41,287,000 | $186,000 | $2,125,000 | $161,000 | $1,560,000 |
| Home Improvement | 2 | $530,000 | $265,000 | $305,000 | $65,000 | $73,000 |
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 | 453 | $91,953,000 | $202,000 | $2,125,000 | $111,000 | $1,740,000 |
| Not Provided | 214 | $46,200,000 | $215,000 | $1,260,000 | $165,000 | $1,560,000 |
| Black or African American | 107 | $20,203,000 | $188,000 | $1,000,000 | $91,000 | $1,440,000 |
| Hispanic | 90 | $20,091,000 | $223,000 | $960,000 | $99,000 | $600,000 |
| Asian | 33 | $7,303,000 | $221,000 | $412,000 | $93,000 | $222,000 |
| American Indian or Alaskan Native | 7 | $1,123,000 | $160,000 | $549,000 | $127,000 | $300,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $243,000 | $121,000 | $162,000 | $86,000 | $100,000 |
| 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) | 906 | $187,116,000 | $206,000 | $2,125,000 | $120,000 | $1,740,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 455 | $102,609,000 | $225,000 | $2,125,000 | $142,000 | $1,740,000 |
| Loan Originated | 261 | $47,392,000 | $181,000 | $1,000,000 | $85,000 | $516,000 |
| Application Denied By Financial Institution | 164 | $31,757,000 | $193,000 | $596,000 | $118,000 | $1,440,000 |
| Application Approved But Not Accepted | 26 | $5,358,000 | $206,000 | $368,000 | $87,000 | $220,000 |
| 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 | 116 | $21,595,000 | $186,000 | $596,000 | $129,000 | $1,440,000 |
| Other | 23 | $4,686,000 | $203,000 | $595,000 | $119,000 | $600,000 |
| Collateral | 11 | $2,079,000 | $189,000 | $508,000 | $49,000 | $180,000 |
| Debt-To-Income Ratio | 7 | $1,552,000 | $221,000 | $400,000 | $59,000 | $108,000 |
| Unverifiable Information | 3 | $747,000 | $249,000 | $272,000 | $117,000 | $167,000 |
| Employment History | 2 | $706,000 | $353,000 | $398,000 | $102,000 | $124,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $392,000 | $196,000 | $350,000 | $98,000 | $156,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Millennium Home Loans's 2006 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 Millennium Home Loans'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 Nevada, download the full spreadsheet
with aggregated HMDA statistics today.
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