Moore Financial Enterprises, I Mortgage Lending & HMDA Data, 2004

In 2004, Moore Financial Enterprises, I of Amherst, OH reported 1,329 mortgage applications totaling $123.9 million, down 20% from 2003. The average application was for $93,249, and applicants reported an average income of $46,580. 46% of its applications resulted in an originated loan and 41% were denied. Its largest markets were Indianapolis, IN (200), Cincinnati-Middletown, OH-KY-IN (135) and Columbus, OH (125) (applications in parentheses).

Mortgage Company & Address Moore Financial Enterprises, I
dba Lenders Diversified 209 South Main S
Amherst, OH 44001
Tel #: available with data download
Federal Regulator * available with data download
Years 2004  2003  
Total Number of Mortgage Applications 1,329
Total Mortgage Loan Application Amount $123,929,000
Average Mortgage Loan Application Amount $93,249
Highest Mortgage Loan Application Amount $644,000
Average Applicant Income $46,580
Highest Applicant Income $960,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Moore Financial Enterprises, I filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Moore Financial Enterprises, I by County in 2004

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Marion, Indiana 155 $ 13,513,000 $ 87,180 $ 44,000
Montgomery, Ohio 85 $ 7,592,000 $ 89,317 $ 42,000
Franklin, Ohio 79 $ 9,490,000 $ 120,126 $ 52,000
Hamilton, Ohio 75 $ 7,988,000 $ 106,506 $ 49,000
Allen, Indiana 52 $ 3,689,000 $ 70,942 $ 43,000
Butler, Ohio 37 $ 4,064,000 $ 109,837 $ 96,000
Allen, Ohio 31 $ 2,453,000 $ 79,129 $ 45,000
Madison, Indiana 28 $ 2,094,000 $ 74,785 $ 43,000
Jefferson, Kentucky 28 $ 2,421,000 $ 86,464 $ 36,000
Cuyahoga, Ohio 23 $ 2,537,000 $ 110,304 $ 54,000
Delaware, Indiana 21 $ 1,376,000 $ 65,523 $ 39,000
Kenton, Kentucky 19 $ 2,099,000 $ 110,473 $ 47,000
Clark, Ohio 16 $ 989,000 $ 61,812 $ 35,000
Stark, Ohio 15 $ 1,381,000 $ 92,066 $ 39,000
Warren, Ohio 15 $ 1,685,000 $ 112,333 $ 40,000
Fairfield, Ohio 14 $ 1,345,000 $ 96,071 $ 44,000
Summit, Ohio 14 $ 1,525,000 $ 108,928 $ 54,000
Hamilton, Indiana 13 $ 1,802,000 $ 138,615 $ 64,000
Licking, Ohio 13 $ 1,158,000 $ 89,076 $ 52,000
Henry, Indiana 12 $ 1,099,000 $ 91,583 $ 66,000
Boone, Kentucky 12 $ 1,189,000 $ 99,083 $ 57,000
Fayette, Kentucky 12 $ 834,000 $ 69,500 $ 46,000
Miami, Ohio 12 $ 1,571,000 $ 130,916 $ 50,000
Davidson, Tennessee 12 $ 957,000 $ 79,750 $ 41,000
Howard, Indiana 11 $ 969,000 $ 88,090 $ 59,000
Hardin, Kentucky 11 $ 1,094,000 $ 99,454 $ 46,000
Greene, Ohio 11 $ 1,575,000 $ 143,181 $ 51,000
Lake, Indiana 10 $ 866,000 $ 86,600 $ 61,000
Monroe, Indiana 10 $ 1,257,000 $ 125,700 $ 52,000
Adams, Indiana 9 $ 718,000 $ 79,777 $ 45,000
Wayne, Indiana 9 $ 672,000 $ 74,666 $ 46,000
Johnson, Indiana 8 $ 744,000 $ 93,000 $ 59,000
Noble, Indiana 8 $ 672,000 $ 84,000 $ 39,000
Clinton, Ohio 8 $ 867,000 $ 108,375 $ 75,000
Wabash, Indiana 7 $ 413,000 $ 59,000 $ 31,000
Campbell, Kentucky 7 $ 426,000 $ 60,857 $ 25,000
Ashtabula, Ohio 7 $ 442,000 $ 63,142 $ 25,000
Darke, Ohio 7 $ 692,000 $ 98,857 $ 49,000
Delaware, Ohio 7 $ 1,374,000 $ 196,285 $ 97,000
Marion, Ohio 7 $ 382,000 $ 54,571 $ 40,000
Kosciusko, Indiana 6 $ 441,000 $ 73,500 $ 43,000
St. Joseph, Indiana 6 $ 532,000 $ 88,666 $ 37,000
Wells, Indiana 6 $ 304,000 $ 50,666 $ 40,000
Whitley, Indiana 6 $ 414,000 $ 69,000 $ 36,000
Clermont, Ohio 6 $ 555,000 $ 92,500 $ 49,000
Logan, Ohio 6 $ 684,000 $ 114,000 $ 44,000
Lorain, Ohio 6 $ 589,000 $ 98,166 $ 46,000
Lucas, Ohio 6 $ 548,000 $ 91,333 $ 36,000
Madison, Ohio 6 $ 587,000 $ 97,833 $ 47,000
Perry, Ohio 6 $ 539,000 $ 89,833 $ 31,000
Van Wert, Ohio 6 $ 540,000 $ 90,000 $ 45,000
Bartholomew, Indiana 5 $ 393,000 $ 78,600 $ 46,000
Dearborn, Indiana 5 $ 443,000 $ 88,600 $ 37,000
DeKalb, Indiana 5 $ 364,000 $ 72,800 $ 23,000
Hancock, Indiana 5 $ 465,000 $ 93,000 $ 53,000
Putnam, Indiana 5 $ 407,000 $ 81,400 $ 64,000
Randolph, Indiana 5 $ 332,000 $ 66,400 $ 29,000
Steuben, Indiana 5 $ 375,000 $ 75,000 $ 55,000
Tippecanoe, Indiana 5 $ 719,000 $ 143,800 $ 55,000
Vanderburgh, Indiana 5 $ 321,000 $ 64,200 $ 36,000
Champaign, Ohio 5 $ 668,000 $ 133,600 $ 49,000
Hardin, Ohio 5 $ 372,000 $ 74,400 $ 36,000
Lake, Ohio 5 $ 555,000 $ 111,000 $ 39,000
Preble, Ohio 5 $ 376,000 $ 75,200 $ 53,000
Ross, Ohio 5 $ 425,000 $ 85,000 $ 31,000
Scioto, Ohio 5 $ 220,000 $ 44,000 $ 42,000
Clinton, Indiana 4 $ 270,000 $ 67,500 $ 44,000
Decatur, Indiana 4 $ 263,000 $ 65,750 $ 61,000
Grant, Indiana 4 $ 281,000 $ 70,250 $ 32,000
Hendricks, Indiana 4 $ 694,000 $ 173,500 $ 73,000
Lawrence, Indiana 4 $ 234,000 $ 58,500 $ 27,000
Montgomery, Indiana 4 $ 312,000 $ 78,000 $ 36,000
Morgan, Indiana 4 $ 664,000 $ 166,000 $ 57,000
Rush, Indiana 4 $ 299,000 $ 74,750 $ 30,000
Adams, Ohio 4 $ 269,000 $ 67,250 $ 32,000
Auglaize, Ohio 4 $ 315,000 $ 78,750 $ 34,000
Coshocton, Ohio 4 $ 257,000 $ 64,250 $ 25,000
Crawford, Ohio 4 $ 306,000 $ 76,500 $ 33,000
Highland, Ohio 4 $ 455,000 $ 113,750 $ 34,000
Hocking, Ohio 4 $ 677,000 $ 169,250 $ 65,000
Knox, Ohio 4 $ 333,000 $ 83,250 $ 35,000
Muskingum, Ohio 4 $ 396,000 $ 99,000 $ 61,000
Wayne, Ohio 4 $ 292,000 $ 73,000 $ 57,000
Wood, Ohio 4 $ 463,000 $ 115,750 $ 52,000
Blackford, Indiana 3 $ 285,000 $ 95,000 $ 43,000
Carroll, Indiana 3 $ 170,000 $ 56,666 $ 41,000
Cass, Indiana 3 $ 185,000 $ 61,666 $ 39,000
Clay, Indiana 3 $ 214,000 $ 71,333 $ 59,000
Elkhart, Indiana 3 $ 282,000 $ 94,000 $ 32,000
Jackson, Indiana 3 $ 219,000 $ 73,000 $ 37,000
Jennings, Indiana 3 $ 206,000 $ 68,666 $ 53,000
LaPorte, Indiana 3 $ 255,000 $ 85,000 $ 29,000
Miami, Indiana 3 $ 128,000 $ 42,666 $ 30,000
Scott, Indiana 3 $ 270,000 $ 90,000 $ 45,000
Shelby, Indiana 3 $ 459,000 $ 153,000 $ 74,000
Switzerland, Indiana 3 $ 180,000 $ 60,000 $ 24,000
Vigo, Indiana 3 $ 188,000 $ 62,666 $ 26,000
Bullitt, Kentucky 3 $ 329,000 $ 109,666 $ 47,000
Grant, Kentucky 3 $ 317,000 $ 105,666 $ 49,000
Grayson, Kentucky 3 $ 123,000 $ 41,000 $ 55,000
Jessamine, Kentucky 3 $ 250,000 $ 83,333 $ 27,000
Meade, Kentucky 3 $ 223,000 $ 74,333 $ 47,000
Muskegon, Michigan 3 $ 246,000 $ 82,000 $ 38,000
Wayne, Michigan 3 $ 317,000 $ 105,666 $ 38,000
Fayette, Ohio 3 $ 242,000 $ 80,666 $ 27,000
Lawrence, Ohio 3 $ 274,000 $ 91,333 $ 46,000
Pickaway, Ohio 3 $ 530,000 $ 176,666 $ 40,000
Trumbull, Ohio 3 $ 150,000 $ 50,000 $ 35,000
Tuscarawas, Ohio 3 $ 346,000 $ 115,333 $ 71,000
Union, Ohio 3 $ 399,000 $ 133,000 $ 44,000
Dickson, Tennessee 3 $ 230,000 $ 76,666 $ 53,000
Williamson, Tennessee 3 $ 236,000 $ 78,666 $ 62,000
Boone, Indiana 2 $ 602,000 $ 301,000 $ 116,000
Fayette, Indiana 2 $ 115,000 $ 57,500 $ 53,000
Greene, Indiana 2 $ 100,000 $ 50,000 $ 41,000
Huntington, Indiana 2 $ 237,000 $ 118,500 $ 33,000
Jasper, Indiana 2 $ 141,000 $ 70,500 $ 37,000
LaGrange, Indiana 2 $ 98,000 $ 49,000 $ 45,000
Newton, Indiana 2 $ 86,000 $ 43,000 $ 67,000
Orange, Indiana 2 $ 186,000 $ 93,000 $ 76,000
Owen, Indiana 2 $ 201,000 $ 100,500 $ 62,000
Porter, Indiana 2 $ 146,000 $ 73,000 $ 80,000
White, Indiana 2 $ 166,000 $ 83,000 $ 23,000
Carroll, Kentucky 2 $ 111,000 $ 55,500 $ 39,000
Jackson, Michigan 2 $ 133,000 $ 66,500 $ 30,000
Saginaw, Michigan 2 $ 113,000 $ 56,500 $ 22,000
Athens, Ohio 2 $ 217,000 $ 108,500 $ 90,000
Brown, Ohio 2 $ 231,000 $ 115,500 $ 38,000
Erie, Ohio 2 $ 292,000 $ 146,000 $ 32,000
Geauga, Ohio 2 $ 492,000 $ 246,000 $ 120,000
Guernsey, Ohio 2 $ 118,000 $ 59,000 $ 38,000
Huron, Ohio 2 $ 180,000 $ 90,000 $ 29,000
Jackson, Ohio 2 $ 273,000 $ 136,500 $ 52,000
Mahoning, Ohio 2 $ 88,000 $ 44,000 $ 40,000
Shelby, Ohio 2 $ 123,000 $ 61,500 $ 25,000
Cheatham, Tennessee 2 $ 260,000 $ 130,000 $ 39,000
Montgomery, Tennessee 2 $ 83,000 $ 41,500 $ 28,000
Hartford, Connecticut 1 $ 205,000 $ 205,000 $ 71,000
Brown, Indiana 1 $ 115,000 $ 115,000 $ 36,000
Clark, Indiana 1 $ 77,000 $ 77,000 $ 37,000
Daviess, Indiana 1 $ 36,000 $ 36,000 $ 33,000
Floyd, Indiana 1 $ 59,000 $ 59,000 $ 28,000
Fountain, Indiana 1 $ 137,000 $ 137,000 $ 18,000
Franklin, Indiana 1 $ 137,000 $ 137,000 $ 72,000
Fulton, Indiana 1 $ 38,000 $ 38,000 $ 31,000
Harrison, Indiana 1 $ 136,000 $ 136,000 $ 85,000
Jay, Indiana 1 $ 61,000 $ 61,000 $ 34,000
Ohio, Indiana 1 $ 139,000 $ 139,000 $ 62,000
Parke, Indiana 1 $ 37,000 $ 37,000 $ 16,000
Posey, Indiana 1 $ 38,000 $ 38,000 $ 25,000
Ripley, Indiana 1 $ 108,000 $ 108,000 $ 57,000
Starke, Indiana 1 $ 86,000 $ 86,000 $ 18,000
Sullivan, Indiana 1 $ 124,000 $ 124,000 $ 44,000
Warren, Indiana 1 $ 86,000 $ 86,000 $ 30,000
Clark, Kentucky 1 $ 123,000 $ 123,000 $ 53,000
Franklin, Kentucky 1 $ 212,000 $ 212,000 $ 55,000
Henry, Kentucky 1 $ 70,000 $ 70,000 $ 52,000
Hopkins, Kentucky 1 $ 45,000 $ 45,000 $ 47,000
Larue, Kentucky 1 $ 85,000 $ 85,000 $ 53,000
Madison, Kentucky 1 $ 97,000 $ 97,000 $ 54,000
Montgomery, Kentucky 1 $ 27,000 $ 27,000 $ 12,000
Morgan, Kentucky 1 $ 94,000 $ 94,000 $ 44,000
Powell, Kentucky 1 $ 81,000 $ 81,000 $ 21,000
Pulaski, Kentucky 1 $ 62,000 $ 62,000 $ 29,000
Shelby, Kentucky 1 $ 158,000 $ 158,000 $ 48,000
Trimble, Kentucky 1 $ 67,000 $ 67,000 $ 20,000
Benzie, Michigan 1 $ 119,000 $ 119,000 $ 43,000
Berrien, Michigan 1 $ 64,000 $ 64,000 $ 40,000
Cass, Michigan 1 $ 61,000 $ 61,000 $ 60,000
Oakland, Michigan 1 $ 172,000 $ 172,000 $ 42,000
Defiance, Ohio 1 $ 44,000 $ 44,000 $ 48,000
Fulton, Ohio 1 $ 73,000 $ 73,000 $ 19,000
Hancock, Ohio 1 $ 82,000 $ 82,000 $ 50,000
Meigs, Ohio 1 $ 41,000 $ 41,000 $ 23,000
Mercer, Ohio 1 $ 338,000 $ 338,000 $ 104,000
Ottawa, Ohio 1 $ 107,000 $ 107,000 $ 42,000
Pike, Ohio 1 $ 64,000 $ 64,000 $ 42,000
Seneca, Ohio 1 $ 30,000 $ 30,000 $ 12,000
Vinton, Ohio 1 $ 98,000 $ 98,000 $ 57,000
Washington, Ohio 1 $ 82,000 $ 82,000 $ 46,000
Lawrence, Tennessee 1 $ 63,000 $ 63,000 $ 29,000
Madison, Tennessee 1 $ 133,000 $ 133,000 $ 73,000
Maury, Tennessee 1 $ 77,000 $ 77,000 $ 37,000
Perry, Tennessee 1 $ 34,000 $ 34,000 $ 33,000
Putnam, Tennessee 1 $ 125,000 $ 125,000 $ 51,000
Robertson, Tennessee 1 $ 72,000 $ 72,000 $ 24,000
Shelby, Tennessee 1 $ 125,000 $ 125,000 $ 51,000
Sumner, Tennessee 1 $ 137,000 $ 137,000 $ 42,000
Warren, Tennessee 1 $ 41,000 $ 41,000 $ 98,000

Mortgage Loan Application Detail Totals for Moore Financial Enterprises, I 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 783 $73,171,000 $108,000 $644,000 $49,000 $960,000
Home Purchase 546 $50,758,000 $90,250 $550,000 $42,250 $312,000
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
White 901 $86,134,000 $108,333 $550,000 $48,166 $960,000
Black or African American 239 $20,613,000 $80,200 $525,000 $42,200 $312,000
Not Provided 151 $13,794,000 $93,600 $644,000 $44,600 $139,000
Hispanic 26 $1,864,000 $66,333 $175,000 $37,666 $79,000
American Indian or Alaskan Native 7 $796,000 $110,000 $156,000 $41,500 $92,000
Asian 5 $728,000 $135,000 $190,000 $59,500 $72,000
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $0 $0
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) 1,329 $123,929,000 $108,166 $644,000 $48,333 $960,000
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 605 $54,298,000 $86,600 $525,000 $44,000 $312,000
Application Denied By Financial Institution 549 $52,605,000 $109,666 $644,000 $46,833 $960,000
Application Approved But Not Accepted 142 $14,017,000 $102,200 $366,000 $52,600 $199,000
Application Withdrawn By Applicant 33 $3,009,000 $86,000 $284,000 $50,000 $103,000
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
Collateral 147 $13,246,000 $85,800 $475,000 $46,800 $294,000
Credit History 98 $9,049,000 $87,250 $404,000 $40,250 $180,000
Other 93 $8,635,000 $97,000 $373,000 $38,400 $960,000
Debt-To-Income Ratio 68 $7,343,000 $103,250 $550,000 $38,750 $100,000
Unverifiable Information 36 $3,838,000 $95,333 $329,000 $44,666 $132,000
Credit Application Incomplete 27 $2,291,000 $83,250 $174,000 $45,000 $79,000
Employment History 25 $1,863,000 $64,333 $249,000 $35,666 $72,000
Insufficient Cash (Downpayment, Closing Cost) 9 $844,000 $88,666 $254,000 $63,333 $307,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Moore Financial Enterprises, I'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 Moore Financial Enterprises, 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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