Mortgage Lion, Inc. Mortgage Lending & HMDA Data, 2004
In 2004, Mortgage Lion, Inc. of Fitzgerald, GA reported 2,017 mortgage applications totaling $372.7 million. The average application was for $184,766, and applicants reported an average income of $95,472. 77% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Port St. Lucie-Fort Pierce, FL (206), Atlanta-Sandy Springs-Marietta, GA (159) and Orlando, FL (148) (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 | 2004 |
| Total Number of Mortgage Applications | 2,017 |
| Total Mortgage Loan Application Amount | $372,674,000 |
| Average Mortgage Loan Application Amount | $184,766 |
| Highest Mortgage Loan Application Amount | $1,350,000 |
| Average Applicant Income | $95,472 |
| Highest Applicant Income | $1,440,000 |
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Act (HMDA) records Mortgage Lion, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Port St. Lucie-Fort Pierce, FL | 206 | $ 37,537,000 | $ 182,218 | $ 74,000 |
| Atlanta-Sandy Springs-Marietta, GA | 159 | $ 34,017,000 | $ 213,943 | $ 97,000 |
| Orlando, FL | 148 | $ 23,049,000 | $ 155,736 | $ 70,000 |
| Jacksonville, FL | 139 | $ 28,720,000 | $ 206,618 | $ 110,000 |
| Tampa-St. Petersburg-Clearwater, FL | 127 | $ 23,199,000 | $ 182,669 | $ 95,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 117 | $ 26,552,000 | $ 226,940 | $ 92,000 |
| Ocala, FL | 51 | $ 7,391,000 | $ 144,921 | $ 63,000 |
| Lakeland, FL | 49 | $ 7,582,000 | $ 154,734 | $ 66,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 48 | $ 7,225,000 | $ 150,520 | $ 78,000 |
| Palm Bay-Melbourne-Titusville, FL | 44 | $ 6,606,000 | $ 150,136 | $ 76,000 |
| Sarasota-Bradenton-Venice, FL | 37 | $ 5,878,000 | $ 158,864 | $ 80,000 |
| Cape Coral-Fort Myers, FL | 20 | $ 3,523,000 | $ 176,150 | $ 84,000 |
| Greenville, SC | 20 | $ 2,602,000 | $ 130,100 | $ 157,000 |
| Tallahassee, FL | 18 | $ 4,076,000 | $ 226,444 | $ 134,000 |
| Baltimore-Towson, MD | 15 | $ 3,299,000 | $ 219,933 | $ 98,000 |
| Chicago-Naperville-Joliet, IL | 15 | $ 4,970,000 | $ 331,333 | $ 148,000 |
| Vero Beach, FL | 14 | $ 1,818,000 | $ 129,857 | $ 58,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 12 | $ 2,762,000 | $ 230,166 | $ 87,000 |
| Philadelphia, PA | 12 | $ 2,001,000 | $ 166,750 | $ 148,000 |
| Charlotte-Gastonia-Concord, NC-SC | 11 | $ 2,347,000 | $ 213,363 | $ 88,000 |
| Columbia, SC | 11 | $ 1,915,000 | $ 174,090 | $ 103,000 |
| Manchester-Nashua, NH | 11 | $ 2,171,000 | $ 197,363 | $ 86,000 |
| Cincinnati-Middletown, OH-KY-IN | 10 | $ 1,369,000 | $ 136,900 | $ 66,000 |
| Edison, NJ | 10 | $ 1,727,000 | $ 172,700 | $ 90,000 |
| Macon, GA | 10 | $ 2,240,000 | $ 224,000 | $ 112,000 |
| Pensacola-Ferry Pass-Brent, FL | 10 | $ 1,951,000 | $ 195,100 | $ 137,000 |
| Providence-New Bedford-Fall River, RI-MA | 9 | $ 1,689,000 | $ 187,666 | $ 61,000 |
| New Orleans-Metairie-Kenner, LA | 8 | $ 1,401,000 | $ 175,125 | $ 108,000 |
| Rockingham County-Strafford County, NH | 8 | $ 1,571,000 | $ 196,375 | $ 86,000 |
| Augusta-Richmond County, GA-SC | 7 | $ 1,047,000 | $ 149,571 | $ 71,000 |
| Charleston-North Charleston, SC | 7 | $ 2,242,000 | $ 320,285 | $ 136,000 |
| Houston-Baytown-Sugar Land, TX | 7 | $ 1,030,000 | $ 147,142 | $ 66,000 |
| Las Vegas-Paradise, NV | 7 | $ 1,524,000 | $ 217,714 | $ 143,000 |
| Pittsburgh, PA | 7 | $ 833,000 | $ 119,000 | $ 66,000 |
| Springfield, MA | 7 | $ 881,000 | $ 125,857 | $ 35,000 |
| Warren-Farmington Hills-Troy, MI | 7 | $ 1,343,000 | $ 191,857 | $ 85,000 |
| Asheville, NC | 6 | $ 843,000 | $ 140,500 | $ 96,000 |
| Cleveland-Elyria-Mentor, OH | 6 | $ 758,000 | $ 126,333 | $ 55,000 |
| Fort Walton Beach-Crestview-Destin, FL | 6 | $ 1,221,000 | $ 203,500 | $ 334,000 |
| Gulfport-Biloxi, MS | 6 | $ 648,000 | $ 108,000 | $ 73,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 6 | $ 1,164,000 | $ 194,000 | $ 81,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 6 | $ 625,000 | $ 104,166 | $ 91,000 |
| Naples-Marco Island, FL | 6 | $ 1,382,000 | $ 230,333 | $ 119,000 |
| Phoenix-Mesa-Scottsdale, AZ | 6 | $ 1,126,000 | $ 187,666 | $ 107,000 |
| Richmond, VA | 6 | $ 1,433,000 | $ 238,833 | $ 121,000 |
| Wilmington, NC | 6 | $ 1,660,000 | $ 276,666 | $ 149,000 |
| Bethesda-Frederick-Gaithersburg, MD | 5 | $ 1,222,000 | $ 244,400 | $ 97,000 |
| Boston-Quincy, MA | 5 | $ 1,312,000 | $ 262,400 | $ 123,000 |
| Dallas-Plano-Irving, TX | 5 | $ 1,343,000 | $ 268,600 | $ 218,000 |
| Los Angeles-Long Beach-Glendale, CA | 5 | $ 1,565,000 | $ 313,000 | $ 192,000 |
| Memphis, TN-MS-AR | 5 | $ 726,000 | $ 145,200 | $ 84,000 |
| New Haven-Milford, CT | 5 | $ 747,000 | $ 149,400 | $ 70,000 |
| Panama City-Lynn Haven, FL | 5 | $ 1,214,000 | $ 242,800 | $ 120,000 |
| Athens-Clarke County, GA | 4 | $ 617,000 | $ 154,250 | $ 112,000 |
| Austin-Round Rock, TX | 4 | $ 766,000 | $ 191,500 | $ 543,000 |
| Cleveland, TN | 4 | $ 560,000 | $ 140,000 | $ 53,000 |
| Dayton, OH | 4 | $ 577,000 | $ 144,250 | $ 72,000 |
| Gainesville, FL | 4 | $ 457,000 | $ 114,250 | $ 81,000 |
| Gary, IN | 4 | $ 558,000 | $ 139,500 | $ 69,000 |
| Nashville-Davidson--Murfreesboro, TN | 4 | $ 579,000 | $ 144,750 | $ 100,000 |
| Newark-Union, NJ-PA | 4 | $ 949,000 | $ 237,250 | $ 58,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 4 | $ 842,000 | $ 210,500 | $ 74,000 |
| Santa Ana-Anaheim-Irvine, CA | 4 | $ 2,036,000 | $ 509,000 | $ 88,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 3 | $ 694,000 | $ 231,333 | $ 90,000 |
| Anderson, SC | 3 | $ 471,000 | $ 157,000 | $ 165,000 |
| Bridgeport-Stamford-Norwalk, CT | 3 | $ 1,095,000 | $ 365,000 | $ 147,000 |
| Brunswick, GA | 3 | $ 517,000 | $ 172,333 | $ 69,000 |
| Chattanooga, TN-GA | 3 | $ 424,000 | $ 141,333 | $ 62,000 |
| Columbus, OH | 3 | $ 396,000 | $ 132,000 | $ 71,000 |
| Fort Worth-Arlington, TX | 3 | $ 310,000 | $ 103,333 | $ 124,000 |
| Greensboro-High Point, NC | 3 | $ 788,000 | $ 262,666 | $ 142,000 |
| Knoxville, TN | 3 | $ 516,000 | $ 172,000 | $ 89,000 |
| Little Rock-North Little Rock, AR | 3 | $ 284,000 | $ 94,666 | $ 70,000 |
| Portland-South Portland-Biddeford, ME | 3 | $ 963,000 | $ 321,000 | $ 160,000 |
| Punta Gorda, FL | 3 | $ 392,000 | $ 130,666 | $ 63,000 |
| San Diego-Carlsbad-San Marcos, CA | 3 | $ 928,000 | $ 309,333 | $ 89,000 |
| Savannah, GA | 3 | $ 612,000 | $ 204,000 | $ 74,000 |
| Sumter, SC | 3 | $ 587,000 | $ 195,666 | $ 52,000 |
| Wilmington, DE-MD-NJ | 3 | $ 511,000 | $ 170,333 | $ 68,000 |
| Akron, OH | 2 | $ 189,000 | $ 94,500 | $ 62,000 |
| Ann Arbor, MI | 2 | $ 152,000 | $ 76,000 | $ 23,000 |
| Bloomington, IN | 2 | $ 315,000 | $ 157,500 | $ 80,000 |
| Boulder, CO | 2 | $ 585,000 | $ 292,500 | $ 102,000 |
| Brownsville-Harlingen, TX | 2 | $ 144,000 | $ 72,000 | $ 42,000 |
| Camden, NJ | 2 | $ 198,000 | $ 99,000 | $ 121,000 |
| Danville, VA | 2 | $ 166,000 | $ 83,000 | $ 39,000 |
| Denver-Aurora, CO | 2 | $ 853,000 | $ 426,500 | $ 171,000 |
| Fayetteville, NC | 2 | $ 269,000 | $ 134,500 | $ 76,000 |
| Fort Smith, AR-OK | 2 | $ 244,000 | $ 122,000 | $ 48,000 |
| Fort Wayne, IN | 2 | $ 521,000 | $ 260,500 | $ 97,000 |
| Harrisburg-Carlisle, PA | 2 | $ 675,000 | $ 337,500 | $ 108,000 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 399,000 | $ 199,500 | $ 128,000 |
| Honolulu, HI | 2 | $ 610,000 | $ 305,000 | $ 112,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 968,000 | $ 484,000 | $ 150,000 |
| Louisville, KY-IN | 2 | $ 152,000 | $ 76,000 | $ 310,000 |
| Ocean City, NJ | 2 | $ 321,000 | $ 160,500 | $ 243,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 434,000 | $ 217,000 | $ 66,000 |
| Salt Lake City, UT | 2 | $ 388,000 | $ 194,000 | $ 105,000 |
| San Antonio, TX | 2 | $ 266,000 | $ 133,000 | $ 65,000 |
| San Francisco-San Mateo-Redwood City, CA | 2 | $ 1,500,000 | $ 750,000 | $ 239,000 |
| Spartanburg, SC | 2 | $ 127,000 | $ 63,500 | $ 35,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 279,000 | $ 139,500 | $ 53,000 |
| Albany, GA | 1 | $ 114,000 | $ 114,000 | $ 48,000 |
| Albuquerque, NM | 1 | $ 102,000 | $ 102,000 | $ 37,000 |
| Amarillo, TX | 1 | $ 149,000 | $ 149,000 | $ 75,000 |
| Anderson, IN | 1 | $ 70,000 | $ 70,000 | $ 49,000 |
| Boise City-Nampa, ID | 1 | $ 161,000 | $ 161,000 | $ 50,000 |
| Columbus, GA-AL | 1 | $ 94,000 | $ 94,000 | $ 76,000 |
| Corvallis, OR | 1 | $ 236,000 | $ 236,000 | $ 88,000 |
| Dalton, GA | 1 | $ 191,000 | $ 191,000 | $ 58,000 |
| Des Moines, IA | 1 | $ 71,000 | $ 71,000 | $ 38,000 |
| El Paso, TX | 1 | $ 194,000 | $ 194,000 | $ 60,000 |
| Essex County, MA | 1 | $ 160,000 | $ 160,000 | $ 96,000 |
| Evansville, IN-KY | 1 | $ 69,000 | $ 69,000 | $ 216,000 |
| Fargo, ND-MN | 1 | $ 85,000 | $ 85,000 | $ 23,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 287,000 | $ 287,000 | $ 108,000 |
| Green Bay, WI | 1 | $ 96,000 | $ 96,000 | $ 77,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 92,000 | $ 92,000 | $ 34,000 |
| Indianapolis, IN | 1 | $ 99,000 | $ 99,000 | $ 40,000 |
| Jacksonville, NC | 1 | $ 206,000 | $ 206,000 | $ 107,000 |
| Johnson City, TN | 1 | $ 130,000 | $ 130,000 | $ 104,000 |
| Kansas City, MO-KS | 1 | $ 79,000 | $ 79,000 | $ 48,000 |
| Lebanon, PA | 1 | $ 88,000 | $ 88,000 | $ 33,000 |
| Modesto, CA | 1 | $ 172,000 | $ 172,000 | $ 96,000 |
| Ogden-Clearfield, UT | 1 | $ 184,000 | $ 184,000 | $ 132,000 |
| Oklahoma City, OK | 1 | $ 96,000 | $ 96,000 | $ 147,000 |
| Olympia, WA | 1 | $ 276,000 | $ 276,000 | $ 87,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 350,000 | $ 350,000 | $ 180,000 |
| Portland-Vancouver-Beaverton, OR-WA | 1 | $ 119,000 | $ 119,000 | $ 95,000 |
| Racine, WI | 1 | $ 130,000 | $ 130,000 | $ 44,000 |
| Raleigh-Cary, NC | 1 | $ 71,000 | $ 71,000 | $ 36,000 |
| Roanoke, VA | 1 | $ 103,000 | $ 103,000 | $ 19,000 |
| Rocky Mount, NC | 1 | $ 131,000 | $ 131,000 | $ 59,000 |
| Salinas, CA | 1 | $ 241,000 | $ 241,000 | $ 0 |
| Santa Fe, NM | 1 | $ 580,000 | $ 580,000 | $ 432,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 139,000 | $ 139,000 | $ 55,000 |
| Springfield, MO | 1 | $ 105,000 | $ 105,000 | $ 35,000 |
| St. Louis, MO-IL | 1 | $ 248,000 | $ 248,000 | $ 70,000 |
| Tacoma, WA | 1 | $ 235,000 | $ 235,000 | $ 93,000 |
| Tucson, AZ | 1 | $ 223,000 | $ 223,000 | $ 92,000 |
| Tulsa, OK | 1 | $ 126,000 | $ 126,000 | $ 88,000 |
| Tyler, TX | 1 | $ 60,000 | $ 60,000 | $ 300,000 |
| Vineland-Millville-Bridgeton, NJ | 1 | $ 127,000 | $ 127,000 | $ 79,000 |
| Visalia-Porterville, CA | 1 | $ 120,000 | $ 120,000 | $ 85,000 |
| Warner Robins, GA | 1 | $ 284,000 | $ 284,000 | $ 92,000 |
| Wichita, KS | 1 | $ 147,000 | $ 147,000 | $ 72,000 |
| Worcester, MA | 1 | $ 104,000 | $ 104,000 | $ 116,000 |
Mortgage Loan Application Detail Totals for Mortgage Lion, Inc. 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 1,504 | $282,236,000 | $189,952 | $1,350,000 | $107,571 | $1,440,000 |
| Refinancing | 513 | $90,438,000 | $184,184 | $1,100,000 | $95,315 | $1,338,000 |
| 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 | 1,457 | $273,901,000 | $184,613 | $1,350,000 | $104,431 | $1,440,000 |
| Black or African American | 179 | $33,560,000 | $184,647 | $1,163,000 | $74,176 | $1,253,000 |
| Hispanic | 130 | $21,093,000 | $188,333 | $472,000 | $70,111 | $354,000 |
| Not Provided | 119 | $22,337,000 | $192,571 | $938,000 | $96,095 | $438,000 |
| Asian | 77 | $13,480,000 | $207,294 | $431,000 | $104,235 | $264,000 |
| Native Hawaiian or Other Pacific Islander | 21 | $3,264,000 | $122,000 | $208,000 | $83,000 | $115,000 |
| Not applicable | 18 | $2,760,000 | $153,000 | $213,000 | $101,000 | $187,000 |
| American Indian or Alaskan Native | 16 | $2,279,000 | $120,600 | $318,000 | $56,600 | $188,000 |
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) | 2,017 | $372,674,000 | $183,755 | $1,350,000 | $102,155 | $1,440,000 |
| 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 | 1,552 | $283,685,000 | $184,522 | $1,350,000 | $102,045 | $1,440,000 |
| Application Denied By Financial Institution | 264 | $52,628,000 | $198,000 | $880,000 | $99,750 | $1,112,000 |
| Application Approved But Not Accepted | 112 | $20,041,000 | $180,444 | $650,000 | $96,611 | $562,000 |
| Application Withdrawn By Applicant | 87 | $15,851,000 | $174,062 | $650,000 | $102,375 | $600,000 |
| File Closed For Incompleteness | 1 | $150,000 | $150,000 | $150,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 1 | $319,000 | $319,000 | $319,000 | $230,000 | $230,000 |
| Preapproval Denied by Financial Institution | 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 |
|---|---|---|---|---|---|---|
| Other | 195 | $39,676,000 | $203,000 | $880,000 | $106,608 | $925,000 |
| Debt-To-Income Ratio | 28 | $6,283,000 | $262,500 | $834,000 | $88,625 | $1,112,000 |
| Collateral | 16 | $2,956,000 | $174,125 | $394,000 | $167,875 | $455,000 |
| Credit History | 15 | $2,132,000 | $139,857 | $238,000 | $62,714 | $126,000 |
| Employment History | 4 | $829,000 | $182,333 | $302,000 | $57,333 | $86,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $400,000 | $133,333 | $176,000 | $116,333 | $231,000 |
| Credit Application Incomplete | 2 | $301,000 | $150,500 | $220,000 | $108,500 | $169,000 |
| Mortgage Insurance Denied | 1 | $51,000 | $51,000 | $51,000 | $35,000 | $35,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mortgage Lion, Inc.'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 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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