Mortgage Lion, Inc. Mortgage Lending & HMDA Data, 2006
In 2006, Mortgage Lion, Inc. of Fitzgerald, GA reported 1,438 mortgage applications totaling $284.1 million, down 19% from 2005. The average application was for $197,536, and applicants reported an average income of $99,084. 78% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (258), Tampa-St. Petersburg-Clearwater, FL (99) and Jacksonville, FL (86) (applications in parentheses).
| Mortgage Company & Address | Mortgage Lion, Inc. 327 South Main Street Fitzgerald, GA 31750 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 |
| Total Number of Mortgage Applications | 1,438 |
| Total Mortgage Loan Application Amount | $284,057,000 |
| Average Mortgage Loan Application Amount | $197,536 |
| Highest Mortgage Loan Application Amount | $1,611,000 |
| Average Applicant Income | $99,084 |
| Highest Applicant Income | $1,584,000 |
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Act (HMDA) records Mortgage Lion, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 258 | $ 47,001,000 | $ 182,174 | $ 100,000 |
| Tampa-St. Petersburg-Clearwater, FL | 99 | $ 18,328,000 | $ 185,131 | $ 97,000 |
| Jacksonville, FL | 86 | $ 17,853,000 | $ 207,593 | $ 84,000 |
| Orlando-Kissimmee, FL | 69 | $ 14,475,000 | $ 209,782 | $ 86,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 43 | $ 11,474,000 | $ 266,837 | $ 111,000 |
| Ocala, FL | 39 | $ 7,656,000 | $ 196,307 | $ 84,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 33 | $ 6,560,000 | $ 198,787 | $ 77,000 |
| Lakeland, FL | 23 | $ 3,782,000 | $ 164,434 | $ 74,000 |
| Tallahassee, FL | 20 | $ 3,686,000 | $ 184,300 | $ 66,000 |
| Charlotte-Gastonia-Concord, NC-SC | 19 | $ 2,715,000 | $ 142,894 | $ 59,157 |
| Palm Bay-Melbourne-Titusville, FL | 19 | $ 3,190,000 | $ 167,894 | $ 75,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 19 | $ 6,435,000 | $ 338,684 | $ 96,210 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 17 | $ 4,324,000 | $ 254,352 | $ 69,000 |
| Houston-Sugar Land-Baytown, TX | 16 | $ 1,864,000 | $ 116,500 | $ 78,000 |
| Port St. Lucie-Fort Pierce, FL | 15 | $ 2,941,000 | $ 196,066 | $ 101,000 |
| Phoenix-Mesa-Scottsdale, AZ | 14 | $ 3,596,000 | $ 256,857 | $ 111,000 |
| Sarasota-Bradenton-Venice, FL | 14 | $ 2,726,000 | $ 194,714 | $ 101,000 |
| Asheville, NC | 13 | $ 2,529,000 | $ 194,538 | $ 108,000 |
| Cape Coral-Fort Myers, FL | 12 | $ 2,656,000 | $ 221,333 | $ 78,000 |
| Nashville-Davidson--Murfreesboro, TN | 12 | $ 1,268,000 | $ 105,666 | $ 80,000 |
| Philadelphia, PA | 12 | $ 1,951,000 | $ 162,583 | $ 69,000 |
| Columbia, SC | 11 | $ 1,487,000 | $ 135,181 | $ 64,000 |
| Baltimore-Towson, MD | 10 | $ 2,029,000 | $ 202,900 | $ 179,000 |
| Brunswick, GA | 10 | $ 1,290,000 | $ 129,000 | $ 74,000 |
| Panama City-Lynn Haven, FL | 10 | $ 2,242,000 | $ 224,200 | $ 135,000 |
| Raleigh-Cary, NC | 10 | $ 1,971,000 | $ 197,100 | $ 93,000 |
| Athens-Clarke County, GA | 9 | $ 1,052,000 | $ 116,888 | $ 79,000 |
| Edison, NJ | 9 | $ 2,570,000 | $ 285,555 | $ 33,000 |
| Memphis, TN-MS-AR | 9 | $ 1,430,000 | $ 158,888 | $ 248,888 |
| Dayton, OH | 8 | $ 588,000 | $ 73,500 | $ 58,000 |
| Naples-Marco Island, FL | 8 | $ 1,711,000 | $ 213,875 | $ 125,000 |
| Pensacola-Ferry Pass-Brent, FL | 8 | $ 2,575,000 | $ 321,875 | $ 183,000 |
| Providence-New Bedford-Fall River, RI-MA | 8 | $ 1,694,000 | $ 211,750 | $ 92,000 |
| Greensboro-High Point, NC | 7 | $ 1,070,000 | $ 152,857 | $ 232,000 |
| Salt Lake City, UT | 7 | $ 961,000 | $ 137,285 | $ 76,000 |
| Winston-Salem, NC | 7 | $ 835,000 | $ 119,285 | $ 64,000 |
| Bethesda-Gaithersburg-Frederick, MD | 6 | $ 1,978,000 | $ 329,666 | $ 124,000 |
| Charleston-North Charleston, SC | 6 | $ 793,000 | $ 132,166 | $ 79,000 |
| Kansas City, MO-KS | 6 | $ 1,089,000 | $ 181,500 | $ 62,666 |
| Las Vegas-Paradise, NV | 6 | $ 2,667,000 | $ 444,500 | $ 79,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 6 | $ 1,192,000 | $ 198,666 | $ 60,000 |
| Burlington, NC | 5 | $ 1,122,000 | $ 224,400 | $ 53,000 |
| Chattanooga, TN-GA | 5 | $ 768,000 | $ 153,600 | $ 77,400 |
| Durham, NC | 5 | $ 877,000 | $ 175,400 | $ 114,000 |
| Gainesville, GA | 5 | $ 1,108,000 | $ 221,600 | $ 166,000 |
| Greenville, SC | 5 | $ 674,000 | $ 134,800 | $ 98,000 |
| Knoxville, TN | 5 | $ 689,000 | $ 137,800 | $ 76,000 |
| Macon, GA | 5 | $ 720,000 | $ 144,000 | $ 60,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 5 | $ 1,245,000 | $ 249,000 | $ 97,400 |
| Riverside-San Bernardino-Ontario, CA | 5 | $ 1,102,000 | $ 220,400 | $ 35,000 |
| Wilmington, NC | 5 | $ 2,806,000 | $ 561,200 | $ 232,000 |
| Augusta-Richmond County, GA-SC | 4 | $ 282,000 | $ 70,500 | $ 132,250 |
| Baton Rouge, LA | 4 | $ 641,000 | $ 160,250 | $ 118,000 |
| Burlington-South Burlington, VT | 4 | $ 746,000 | $ 186,500 | $ 60,000 |
| Essex County, MA | 4 | $ 873,000 | $ 218,250 | $ 36,000 |
| Hartford-West Hartford-East Hartford, CT | 4 | $ 877,000 | $ 219,250 | $ 152,000 |
| Jacksonville, NC | 4 | $ 384,000 | $ 96,000 | $ 70,000 |
| Los Angeles-Long Beach-Glendale, CA | 4 | $ 1,046,000 | $ 261,500 | $ 38,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 4 | $ 809,000 | $ 202,250 | $ 155,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 4 | $ 963,000 | $ 240,750 | $ 10,000 |
| Youngstown-Warren-Boardman, OH-PA | 4 | $ 488,000 | $ 122,000 | $ 51,000 |
| Albuquerque, NM | 3 | $ 716,000 | $ 238,666 | $ 156,000 |
| Boston-Quincy, MA | 3 | $ 1,023,000 | $ 341,000 | $ 112,000 |
| Chicago-Naperville-Joliet, IL | 3 | $ 827,000 | $ 275,666 | $ 90,000 |
| Cincinnati-Middletown, OH-KY-IN | 3 | $ 304,000 | $ 101,333 | $ 56,000 |
| Columbus, GA-AL | 3 | $ 392,000 | $ 130,666 | $ 120,000 |
| Dallas-Plano-Irving, TX | 3 | $ 544,000 | $ 181,333 | $ 69,000 |
| Denver-Aurora, CO | 3 | $ 698,000 | $ 232,666 | $ 80,000 |
| Fayetteville, NC | 3 | $ 336,000 | $ 112,000 | $ 98,000 |
| Fort Worth-Arlington, TX | 3 | $ 224,000 | $ 74,666 | $ 97,000 |
| Gulfport-Biloxi, MS | 3 | $ 287,000 | $ 95,666 | $ 46,000 |
| Lake County-Kenosha County, IL-WI | 3 | $ 489,000 | $ 163,000 | $ 44,666 |
| Lansing-East Lansing, MI | 3 | $ 228,000 | $ 76,000 | $ 97,000 |
| Newark-Union, NJ-PA | 3 | $ 714,000 | $ 238,000 | $ 40,666 |
| Reading, PA | 3 | $ 525,000 | $ 175,000 | $ 171,000 |
| Richmond, VA | 3 | $ 500,000 | $ 166,666 | $ 55,000 |
| Sebastian-Vero Beach, FL | 3 | $ 557,000 | $ 185,666 | $ 96,000 |
| Spartanburg, SC | 3 | $ 268,000 | $ 89,333 | $ 127,000 |
| Abilene, TX | 2 | $ 105,000 | $ 52,500 | $ 64,000 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 1,776,000 | $ 888,000 | $ 34,000 |
| Camden, NJ | 2 | $ 638,000 | $ 319,000 | $ 100,000 |
| Columbus, OH | 2 | $ 262,000 | $ 131,000 | $ 99,000 |
| Danville, VA | 2 | $ 145,000 | $ 72,500 | $ 49,000 |
| Farmington, NM | 2 | $ 141,000 | $ 70,500 | $ 66,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 356,000 | $ 178,000 | $ 115,000 |
| Gainesville, FL | 2 | $ 416,000 | $ 208,000 | $ 86,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 320,000 | $ 160,000 | $ 58,000 |
| Indianapolis-Carmel, IN | 2 | $ 335,000 | $ 167,500 | $ 61,000 |
| Johnson City, TN | 2 | $ 185,000 | $ 92,500 | $ 98,000 |
| La Crosse, WI-MN | 2 | $ 138,000 | $ 69,000 | $ 0 |
| Little Rock-North Little Rock, AR | 2 | $ 364,000 | $ 182,000 | $ 104,000 |
| Logan, UT-ID | 2 | $ 219,000 | $ 109,500 | $ 95,000 |
| Manchester-Nashua, NH | 2 | $ 288,000 | $ 144,000 | $ 48,000 |
| Morristown, TN | 2 | $ 135,000 | $ 67,500 | $ 35,000 |
| New Haven-Milford, CT | 2 | $ 232,000 | $ 116,000 | $ 53,000 |
| New Orleans-Metairie-Kenner, LA | 2 | $ 469,000 | $ 234,500 | $ 193,000 |
| New York-White Plains-Wayne, NY-NJ | 2 | $ 1,115,000 | $ 557,500 | $ 516,500 |
| Oshkosh-Neenah, WI | 2 | $ 154,000 | $ 77,000 | $ 116,000 |
| Peoria, IL | 2 | $ 396,000 | $ 198,000 | $ 275,000 |
| Pittsburgh, PA | 2 | $ 290,000 | $ 145,000 | $ 109,000 |
| Punta Gorda, FL | 2 | $ 282,000 | $ 141,000 | $ 85,000 |
| Racine, WI | 2 | $ 247,000 | $ 123,500 | $ 52,000 |
| San Diego-Carlsbad-San Marcos, CA | 2 | $ 776,000 | $ 388,000 | $ 125,000 |
| Santa Ana-Anaheim-Irvine, CA | 2 | $ 530,000 | $ 265,000 | $ 85,000 |
| Savannah, GA | 2 | $ 342,000 | $ 171,000 | $ 112,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 586,000 | $ 293,000 | $ 42,000 |
| Springfield, IL | 2 | $ 535,000 | $ 267,500 | $ 0 |
| St. Louis, MO-IL | 2 | $ 278,000 | $ 139,000 | $ 585,000 |
| Trenton-Ewing, NJ | 2 | $ 638,000 | $ 319,000 | $ 0 |
| Tucson, AZ | 2 | $ 345,000 | $ 172,500 | $ 117,000 |
| Vallejo-Fairfield, CA | 2 | $ 450,000 | $ 225,000 | $ 91,000 |
| Wilmington, DE-MD-NJ | 2 | $ 340,000 | $ 170,000 | $ 0 |
| Akron, OH | 1 | $ 388,000 | $ 388,000 | $ 260,000 |
| Albany, GA | 1 | $ 163,000 | $ 163,000 | $ 109,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 183,000 | $ 183,000 | $ 108,000 |
| Appleton, WI | 1 | $ 200,000 | $ 200,000 | $ 97,000 |
| Austin-Round Rock, TX | 1 | $ 162,000 | $ 162,000 | $ 0 |
| Bangor, ME | 1 | $ 331,000 | $ 331,000 | $ 120,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 417,000 | $ 417,000 | $ 107,000 |
| Champaign-Urbana, IL | 1 | $ 64,000 | $ 64,000 | $ 70,000 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 90,000 | $ 90,000 | $ 83,000 |
| Coeur D'Alene, ID | 1 | $ 119,000 | $ 119,000 | $ 0 |
| Colorado Springs, CO | 1 | $ 408,000 | $ 408,000 | $ 100,000 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 110,000 | $ 110,000 | $ 125,000 |
| Fort Collins-Loveland, CO | 1 | $ 415,000 | $ 415,000 | $ 81,000 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 999,000 | $ 999,000 | $ 425,000 |
| Fort Wayne, IN | 1 | $ 155,000 | $ 155,000 | $ 57,000 |
| Goldsboro, NC | 1 | $ 100,000 | $ 100,000 | $ 65,000 |
| Hinesville-Fort Stewart, GA | 1 | $ 97,000 | $ 97,000 | $ 36,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 122,000 | $ 122,000 | $ 139,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 194,000 | $ 194,000 | $ 87,000 |
| Lawton, OK | 1 | $ 116,000 | $ 116,000 | $ 55,000 |
| Lebanon, PA | 1 | $ 122,000 | $ 122,000 | $ 40,000 |
| Lexington-Fayette, KY | 1 | $ 195,000 | $ 195,000 | $ 55,000 |
| Lima, OH | 1 | $ 54,000 | $ 54,000 | $ 30,000 |
| Louisville-Jefferson County, KY-IN | 1 | $ 89,000 | $ 89,000 | $ 0 |
| Lynchburg, VA | 1 | $ 229,000 | $ 229,000 | $ 50,000 |
| Muncie, IN | 1 | $ 176,000 | $ 176,000 | $ 61,000 |
| Napa, CA | 1 | $ 410,000 | $ 410,000 | $ 93,000 |
| Ogden-Clearfield, UT | 1 | $ 110,000 | $ 110,000 | $ 106,000 |
| Oklahoma City, OK | 1 | $ 76,000 | $ 76,000 | $ 0 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 110,000 | $ 110,000 | $ 119,000 |
| Portland-South Portland-Biddeford, ME | 1 | $ 102,000 | $ 102,000 | $ 54,000 |
| Reno-Sparks, NV | 1 | $ 248,000 | $ 248,000 | $ 193,000 |
| Rocky Mount, NC | 1 | $ 165,000 | $ 165,000 | $ 72,000 |
| San Francisco-San Mateo-Redwood City, CA | 1 | $ 468,000 | $ 468,000 | $ 0 |
| Sheboygan, WI | 1 | $ 500,000 | $ 500,000 | $ 800,000 |
| Tacoma, WA | 1 | $ 318,000 | $ 318,000 | $ 101,000 |
| Terre Haute, IN | 1 | $ 68,000 | $ 68,000 | $ 98,000 |
| Toledo, OH | 1 | $ 190,000 | $ 190,000 | $ 103,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 75,000 | $ 75,000 | $ 54,000 |
| Worcester, MA | 1 | $ 417,000 | $ 417,000 | $ 204,000 |
| York-Hanover, PA | 1 | $ 656,000 | $ 656,000 | $ 204,000 |
Mortgage Loan Application Detail Totals for Mortgage Lion, Inc. 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 842 | $161,736,000 | $192,000 | $1,611,000 | $108,000 | $1,553,000 |
| Refinancing | 435 | $91,536,000 | $210,000 | $1,550,000 | $90,000 | $1,584,000 |
| Home Improvement | 161 | $30,785,000 | $191,000 | $999,000 | $77,000 | $425,000 |
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 | 1,141 | $230,721,000 | $202,000 | $1,611,000 | $100,000 | $1,553,000 |
| Black or African American | 125 | $20,918,000 | $167,000 | $632,000 | $106,000 | $1,584,000 |
| Hispanic | 104 | $20,159,000 | $193,000 | $814,000 | $87,000 | $600,000 |
| Asian | 55 | $10,210,000 | $185,000 | $961,000 | $91,000 | $278,000 |
| American Indian or Alaskan Native | 8 | $990,000 | $123,000 | $254,000 | $85,000 | $178,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $935,000 | $233,000 | $410,000 | $56,000 | $110,000 |
| Not Provided | 1 | $124,000 | $124,000 | $124,000 | $36,000 | $36,000 |
| 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) | 1,438 | $284,057,000 | $197,000 | $1,611,000 | $99,000 | $1,584,000 |
| 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 | 1,127 | $218,219,000 | $193,000 | $1,550,000 | $98,000 | $1,553,000 |
| Application Denied By Financial Institution | 145 | $32,409,000 | $223,000 | $1,383,000 | $111,000 | $965,000 |
| Application Approved But Not Accepted | 114 | $23,353,000 | $204,000 | $999,000 | $88,000 | $425,000 |
| Application Withdrawn By Applicant | 52 | $10,076,000 | $193,000 | $1,611,000 | $120,000 | $1,584,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 55 | $13,928,000 | $253,000 | $1,383,000 | $124,000 | $965,000 |
| Collateral | 37 | $8,261,000 | $223,000 | $1,105,000 | $138,000 | $819,000 |
| Credit History | 29 | $5,664,000 | $195,000 | $499,000 | $71,000 | $150,000 |
| Debt-To-Income Ratio | 14 | $3,223,000 | $230,000 | $961,000 | $66,000 | $233,000 |
| Employment History | 4 | $384,000 | $96,000 | $223,000 | $135,000 | $204,000 |
| Unverifiable Information | 4 | $452,000 | $113,000 | $188,000 | $114,000 | $150,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $497,000 | $248,000 | $255,000 | $90,000 | $102,000 |
| 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 Mortgage Lion, Inc.'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 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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