Mortgage Lion, Inc. Mortgage Lending & HMDA Data, 2008
In 2008, Mortgage Lion, Inc. of Fitzgerald, GA reported 769 mortgage applications totaling $156.4 million, down 37% from 2007. The average application was for $203,321, and applicants reported an average income of $113,596. 51% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (133), Tampa-St. Petersburg-Clearwater, FL (34) and Jacksonville, FL (30) (applications in parentheses).
| Mortgage Company & Address | Mortgage Lion, Inc. 327 S. Main Street Fitzgerald, GA 31750 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2008 2007 |
| Total Number of Mortgage Applications | 769 |
| Total Mortgage Loan Application Amount | $156,354,000 |
| Average Mortgage Loan Application Amount | $203,321 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $113,596 |
| Highest Applicant Income | $1,412,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Mortgage Lion, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 133 | $ 26,341,000 | $ 198,052 | $ 99,000 |
| Tampa-St. Petersburg-Clearwater, FL | 34 | $ 6,586,000 | $ 193,705 | $ 104,000 |
| Jacksonville, FL | 30 | $ 5,867,000 | $ 195,566 | $ 84,000 |
| Orlando-Kissimmee, FL | 21 | $ 3,761,000 | $ 179,095 | $ 116,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 16 | $ 3,651,000 | $ 228,187 | $ 101,000 |
| Charlotte-Gastonia-Concord, NC-SC | 15 | $ 2,698,000 | $ 179,866 | $ 103,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 14 | $ 2,488,000 | $ 177,714 | $ 88,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 13 | $ 2,335,000 | $ 179,615 | $ 90,000 |
| Ocala, FL | 13 | $ 2,413,000 | $ 185,615 | $ 75,000 |
| Denver-Aurora, CO | 12 | $ 2,338,000 | $ 194,833 | $ 117,000 |
| Port St. Lucie, FL | 12 | $ 2,507,000 | $ 208,916 | $ 97,000 |
| Cleveland-Elyria-Mentor, OH | 11 | $ 1,393,000 | $ 126,636 | $ 109,000 |
| Palm Coast, FL | 11 | $ 1,765,000 | $ 160,454 | $ 74,000 |
| Birmingham-Hoover, AL | 10 | $ 2,204,000 | $ 220,400 | $ 117,000 |
| Raleigh-Cary, NC | 10 | $ 1,743,000 | $ 174,300 | $ 132,000 |
| San Antonio, TX | 10 | $ 1,122,000 | $ 112,200 | $ 101,000 |
| New Orleans-Metairie-Kenner, LA | 9 | $ 1,280,000 | $ 142,222 | $ 81,000 |
| Phoenix-Mesa-Scottsdale, AZ | 9 | $ 2,212,000 | $ 245,777 | $ 147,000 |
| Chattanooga, TN-GA | 8 | $ 1,336,000 | $ 167,000 | $ 126,375 |
| Houston-Sugar Land-Baytown, TX | 8 | $ 2,006,000 | $ 250,750 | $ 110,000 |
| Lakeland-Winter Haven, FL | 8 | $ 1,454,000 | $ 181,750 | $ 72,000 |
| Philadelphia, PA | 8 | $ 1,890,000 | $ 236,250 | $ 136,000 |
| Las Vegas-Paradise, NV | 7 | $ 1,926,000 | $ 275,142 | $ 164,000 |
| Palm Bay-Melbourne-Titusville, FL | 7 | $ 1,648,000 | $ 235,428 | $ 101,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 7 | $ 2,943,000 | $ 420,428 | $ 81,285 |
| Greenville-Mauldin-Easley, SC | 6 | $ 1,467,000 | $ 244,500 | $ 120,000 |
| Huntsville, AL | 6 | $ 621,000 | $ 103,500 | $ 126,000 |
| Richmond, VA | 6 | $ 1,770,000 | $ 295,000 | $ 104,000 |
| Savannah, GA | 6 | $ 911,000 | $ 151,833 | $ 172,000 |
| Asheville, NC | 5 | $ 1,053,000 | $ 210,600 | $ 198,000 |
| Bradenton-Sarasota-Venice, FL | 5 | $ 821,000 | $ 164,200 | $ 70,000 |
| Columbia, SC | 5 | $ 846,000 | $ 169,200 | $ 202,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 5 | $ 1,030,000 | $ 206,000 | $ 57,600 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 5 | $ 1,356,000 | $ 271,200 | $ 280,000 |
| Punta Gorda, FL | 5 | $ 1,223,000 | $ 244,600 | $ 99,000 |
| Sebastian-Vero Beach, FL | 5 | $ 1,653,000 | $ 330,600 | $ 131,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 928,000 | $ 232,000 | $ 110,000 |
| Chicago-Naperville-Joliet, IL | 4 | $ 1,036,000 | $ 259,000 | $ 460,000 |
| Durham, NC | 4 | $ 876,000 | $ 219,000 | $ 114,000 |
| Macon, GA | 4 | $ 586,000 | $ 146,500 | $ 54,000 |
| Salt Lake City, UT | 4 | $ 828,000 | $ 207,000 | $ 86,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 4 | $ 497,000 | $ 124,250 | $ 71,000 |
| Dallas-Plano-Irving, TX | 3 | $ 958,000 | $ 319,333 | $ 312,000 |
| Fayetteville, NC | 3 | $ 577,000 | $ 192,333 | $ 105,000 |
| Montgomery, AL | 3 | $ 434,000 | $ 144,666 | $ 62,000 |
| Naples-Marco Island, FL | 3 | $ 703,000 | $ 234,333 | $ 104,000 |
| Ogden-Clearfield, UT | 3 | $ 572,000 | $ 190,666 | $ 111,000 |
| Pittsburgh, PA | 3 | $ 343,000 | $ 114,333 | $ 71,000 |
| St. Louis, MO-IL | 3 | $ 431,000 | $ 143,666 | $ 85,000 |
| Tallahassee, FL | 3 | $ 467,000 | $ 155,666 | $ 78,000 |
| Warner Robins, GA | 3 | $ 463,000 | $ 154,333 | $ 70,000 |
| Albany, GA | 2 | $ 175,000 | $ 87,500 | $ 111,000 |
| Baltimore-Towson, MD | 2 | $ 358,000 | $ 179,000 | $ 158,000 |
| Boise City-Nampa, ID | 2 | $ 529,000 | $ 264,500 | $ 173,000 |
| Charleston-North Charleston-Summerville, SC | 2 | $ 286,000 | $ 143,000 | $ 43,000 |
| Cincinnati-Middletown, OH-KY-IN | 2 | $ 692,000 | $ 346,000 | $ 221,000 |
| Dayton, OH | 2 | $ 521,000 | $ 260,500 | $ 214,000 |
| Edison-New Brunswick, NJ | 2 | $ 491,000 | $ 245,500 | $ 0 |
| Gainesville, FL | 2 | $ 447,000 | $ 223,500 | $ 31,000 |
| Greensboro-High Point, NC | 2 | $ 259,000 | $ 129,500 | $ 48,000 |
| Johnson City, TN | 2 | $ 769,000 | $ 384,500 | $ 178,000 |
| Lafayette, IN | 2 | $ 169,000 | $ 84,500 | $ 42,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 445,000 | $ 222,500 | $ 127,000 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 408,000 | $ 204,000 | $ 117,000 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 462,000 | $ 231,000 | $ 89,000 |
| New Haven-Milford, CT | 2 | $ 611,000 | $ 305,500 | $ 125,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 291,000 | $ 145,500 | $ 58,000 |
| Portland-Vancouver-Beaverton, OR-WA | 2 | $ 300,000 | $ 150,000 | $ 106,000 |
| Providence-New Bedford-Fall River, RI-MA | 2 | $ 569,000 | $ 284,500 | $ 95,000 |
| Reno-Sparks, NV | 2 | $ 667,000 | $ 333,500 | $ 89,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 2 | $ 719,000 | $ 359,500 | $ 151,000 |
| Scranton--Wilkes-Barre, PA | 2 | $ 308,000 | $ 154,000 | $ 153,000 |
| Springfield, MO | 2 | $ 204,000 | $ 102,000 | $ 209,000 |
| Akron, OH | 1 | $ 119,000 | $ 119,000 | $ 58,000 |
| Albuquerque, NM | 1 | $ 228,000 | $ 228,000 | $ 57,000 |
| Anchorage, AK | 1 | $ 341,000 | $ 341,000 | $ 301,000 |
| Athens-Clarke County, GA | 1 | $ 352,000 | $ 352,000 | $ 489,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 297,000 | $ 297,000 | $ 202,000 |
| Austin-Round Rock, TX | 1 | $ 120,000 | $ 120,000 | $ 79,000 |
| Baton Rouge, LA | 1 | $ 174,000 | $ 174,000 | $ 93,000 |
| Beaumont-Port Arthur, TX | 1 | $ 149,000 | $ 149,000 | $ 62,000 |
| Brunswick, GA | 1 | $ 253,000 | $ 253,000 | $ 86,000 |
| Burlington, NC | 1 | $ 97,000 | $ 97,000 | $ 89,000 |
| Charleston, WV | 1 | $ 121,000 | $ 121,000 | $ 450,000 |
| Charlottesville, VA | 1 | $ 210,000 | $ 210,000 | $ 68,000 |
| Cleveland, TN | 1 | $ 217,000 | $ 217,000 | $ 160,000 |
| Colorado Springs, CO | 1 | $ 412,000 | $ 412,000 | $ 100,000 |
| Columbus, GA-AL | 1 | $ 380,000 | $ 380,000 | $ 176,000 |
| Columbus, OH | 1 | $ 166,000 | $ 166,000 | $ 83,000 |
| Dalton, GA | 1 | $ 210,000 | $ 210,000 | $ 76,000 |
| Des Moines-West Des Moines, IA | 1 | $ 170,000 | $ 170,000 | $ 86,000 |
| Dothan, AL | 1 | $ 152,000 | $ 152,000 | $ 59,000 |
| Erie, PA | 1 | $ 216,000 | $ 216,000 | $ 252,000 |
| Florence, SC | 1 | $ 74,000 | $ 74,000 | $ 40,000 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 318,000 | $ 318,000 | $ 517,000 |
| Fort Wayne, IN | 1 | $ 132,000 | $ 132,000 | $ 35,000 |
| Gainesville, GA | 1 | $ 417,000 | $ 417,000 | $ 234,000 |
| Green Bay, WI | 1 | $ 413,000 | $ 413,000 | $ 159,000 |
| Hattiesburg, MS | 1 | $ 356,000 | $ 356,000 | $ 150,000 |
| Honolulu, HI | 1 | $ 549,000 | $ 549,000 | $ 126,000 |
| Jackson, MS | 1 | $ 72,000 | $ 72,000 | $ 131,000 |
| Joplin, MO | 1 | $ 159,000 | $ 159,000 | $ 81,000 |
| Kansas City, MO-KS | 1 | $ 281,000 | $ 281,000 | $ 60,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 269,000 | $ 269,000 | $ 109,000 |
| Knoxville, TN | 1 | $ 188,000 | $ 188,000 | $ 74,000 |
| Lebanon, PA | 1 | $ 118,000 | $ 118,000 | $ 46,000 |
| Lexington-Fayette, KY | 1 | $ 142,000 | $ 142,000 | $ 64,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 104,000 | $ 104,000 | $ 53,000 |
| Louisville-Jefferson County, KY-IN | 1 | $ 336,000 | $ 336,000 | $ 261,000 |
| Lynchburg, VA | 1 | $ 644,000 | $ 644,000 | $ 140,000 |
| Madison, WI | 1 | $ 200,000 | $ 200,000 | $ 125,000 |
| Memphis, TN-MS-AR | 1 | $ 155,000 | $ 155,000 | $ 83,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 168,000 | $ 168,000 | $ 66,000 |
| Mobile, AL | 1 | $ 139,000 | $ 139,000 | $ 42,000 |
| Monroe, LA | 1 | $ 88,000 | $ 88,000 | $ 39,000 |
| New York-White Plains-Wayne, NY-NJ | 1 | $ 282,000 | $ 282,000 | $ 314,000 |
| Newark-Union, NJ-PA | 1 | $ 417,000 | $ 417,000 | $ 150,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 459,000 | $ 459,000 | $ 165,000 |
| Panama City-Lynn Haven, FL | 1 | $ 375,000 | $ 375,000 | $ 62,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 1 | $ 105,000 | $ 105,000 | $ 32,000 |
| Provo-Orem, UT | 1 | $ 172,000 | $ 172,000 | $ 88,000 |
| Reading, PA | 1 | $ 195,000 | $ 195,000 | $ 72,000 |
| Roanoke, VA | 1 | $ 417,000 | $ 417,000 | $ 0 |
| San Francisco-San Mateo-Redwood City, CA | 1 | $ 400,000 | $ 400,000 | $ 210,000 |
| Santa Ana-Anaheim-Irvine, CA | 1 | $ 403,000 | $ 403,000 | $ 96,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 188,000 | $ 188,000 | $ 152,000 |
| St. George, UT | 1 | $ 235,000 | $ 235,000 | $ 88,000 |
| Tacoma, WA | 1 | $ 265,000 | $ 265,000 | $ 113,000 |
| Toledo, OH | 1 | $ 98,000 | $ 98,000 | $ 152,000 |
| Vallejo-Fairfield, CA | 1 | $ 168,000 | $ 168,000 | $ 114,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 136,000 | $ 136,000 | $ 38,000 |
| Wilmington, DE-MD-NJ | 1 | $ 88,000 | $ 88,000 | $ 26,000 |
| Worcester, MA | 1 | $ 41,000 | $ 41,000 | $ 138,000 |
| York-Hanover, PA | 1 | $ 77,000 | $ 77,000 | $ 31,000 |
Mortgage Loan Application Detail Totals for Mortgage Lion, Inc. in 2008
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 | 392 | $79,965,000 | $203,000 | $844,000 | $125,000 | $1,412,000 |
| Refinancing | 375 | $75,817,000 | $202,000 | $1,000,000 | $102,000 | $1,188,000 |
| Home Improvement | 2 | $572,000 | $286,000 | $368,000 | $53,000 | $107,000 |
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 | 579 | $117,646,000 | $203,000 | $844,000 | $118,000 | $1,412,000 |
| Black or African American | 101 | $19,284,000 | $190,000 | $782,000 | $95,000 | $660,000 |
| Hispanic | 46 | $10,368,000 | $225,000 | $644,000 | $98,000 | $333,000 |
| Asian | 31 | $6,430,000 | $207,000 | $1,000,000 | $123,000 | $487,000 |
| Not Provided | 9 | $1,959,000 | $217,000 | $417,000 | $107,000 | $240,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $517,000 | $258,000 | $290,000 | $138,000 | $147,000 |
| American Indian or Alaskan Native | 1 | $150,000 | $150,000 | $150,000 | $31,000 | $31,000 |
| 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) | 769 | $156,354,000 | $203,000 | $1,000,000 | $114,000 | $1,412,000 |
| 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 | 392 | $79,747,000 | $203,000 | $566,000 | $110,000 | $1,098,000 |
| Application Approved But Not Accepted | 133 | $28,962,000 | $217,000 | $844,000 | $133,000 | $1,412,000 |
| Application Withdrawn By Applicant | 124 | $25,286,000 | $203,000 | $1,000,000 | $120,000 | $1,188,000 |
| Application Denied By Financial Institution | 119 | $22,098,000 | $185,000 | $782,000 | $97,000 | $373,000 |
| File Closed For Incompleteness | 1 | $261,000 | $261,000 | $261,000 | $105,000 | $105,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 46 | $8,222,000 | $178,000 | $782,000 | $101,000 | $264,000 |
| Collateral | 30 | $5,979,000 | $199,000 | $417,000 | $110,000 | $373,000 |
| Credit History | 20 | $3,401,000 | $170,000 | $337,000 | $82,000 | $317,000 |
| Debt-To-Income Ratio | 5 | $676,000 | $135,000 | $240,000 | $49,000 | $81,000 |
| Employment History | 3 | $1,098,000 | $366,000 | $503,000 | $127,000 | $199,000 |
| Unverifiable Information | 3 | $497,000 | $165,000 | $209,000 | $111,000 | $167,000 |
| Mortgage Insurance Denied | 1 | $147,000 | $147,000 | $147,000 | $52,000 | $52,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mortgage Lion, Inc.'s 2008 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 Mortgage Lion, 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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