Mortgage Services Inc. Mortgage Lending & HMDA Data, 2004

In 2004, Mortgage Services Inc. of Wauwatosa, WI reported 6,114 mortgage applications totaling $990.7 million, down 60% from 2003. The average application was for $162,043, and applicants reported an average income of $73,843. 79% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (1,994), Milwaukee-Waukesha-West Allis, WI (480) and Bloomington-Normal, IL (375) (applications in parentheses).

Mortgage Company & Address Mortgage Services Inc.
2323 N Mayfair Rd
Wauwatosa, WI 53226
Tel #: available with data download
Federal Regulator * available with data download
Years 2004  2003  
Total Number of Mortgage Applications 6,114
Total Mortgage Loan Application Amount $990,733,000
Average Mortgage Loan Application Amount $162,043
Highest Mortgage Loan Application Amount $1,000,000
Average Applicant Income $73,843
Highest Applicant Income $2,481,000

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(HMDA) records Mortgage Services Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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

Mortgage Loan Application Totals for Mortgage Services Inc. 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
Cook, Illinois 1,127 $ 210,323,000 $ 186,622 $ 66,000
McLean, Illinois 375 $ 48,139,000 $ 128,370 $ 70,000
DuPage, Illinois 352 $ 69,414,000 $ 197,198 $ 72,000
Lake, Illinois 222 $ 43,423,000 $ 195,599 $ 89,000
Milwaukee, Wisconsin 216 $ 27,125,000 $ 125,578 $ 61,000
Waukesha, Wisconsin 200 $ 40,071,000 $ 200,355 $ 87,000
Oakland, Michigan 195 $ 39,132,000 $ 200,676 $ 76,000
Will, Illinois 193 $ 32,985,000 $ 170,906 $ 66,000
Macon, Illinois 163 $ 16,476,000 $ 101,079 $ 102,000
Champaign, Illinois 159 $ 19,513,000 $ 122,723 $ 63,000
McHenry, Illinois 117 $ 21,822,000 $ 186,512 $ 67,000
Kane, Illinois 108 $ 20,626,000 $ 190,981 $ 65,000
Wayne, Michigan 96 $ 17,610,000 $ 183,437 $ 61,000
Kenosha, Wisconsin 94 $ 13,719,000 $ 145,946 $ 67,000
Vermilion, Illinois 68 $ 5,179,000 $ 76,161 $ 59,000
Peoria, Illinois 64 $ 6,704,000 $ 104,750 $ 59,000
Dane, Wisconsin 64 $ 11,986,000 $ 187,281 $ 92,000
Washtenaw, Michigan 54 $ 12,116,000 $ 224,370 $ 105,000
Elkhart, Indiana 53 $ 6,275,000 $ 118,396 $ 50,000
DeKalb, Illinois 46 $ 6,365,000 $ 138,369 $ 41,000
St. Clair, Illinois 46 $ 4,816,000 $ 104,695 $ 75,000
Washington, Wisconsin 46 $ 7,835,000 $ 170,326 $ 70,000
Kendall, Illinois 45 $ 7,782,000 $ 172,933 $ 69,000
Tazewell, Illinois 44 $ 4,903,000 $ 111,431 $ 47,000
Lake, Indiana 44 $ 5,108,000 $ 116,090 $ 49,000
Madison, Illinois 36 $ 3,950,000 $ 109,722 $ 51,000
Macomb, Michigan 36 $ 6,237,000 $ 173,250 $ 70,000
Maricopa, Arizona 35 $ 7,322,000 $ 209,200 $ 121,000
Walworth, Wisconsin 34 $ 5,855,000 $ 172,205 $ 161,000
Mills, Iowa 29 $ 3,341,000 $ 115,206 $ 47,000
Racine, Wisconsin 29 $ 5,228,000 $ 180,275 $ 74,000
Sweetwater, Wyoming 27 $ 2,915,000 $ 107,962 $ 56,000
Winnebago, Illinois 26 $ 2,618,000 $ 100,692 $ 49,000
Genesee, Michigan 25 $ 3,152,000 $ 126,080 $ 86,000
Franklin, Ohio 24 $ 4,254,000 $ 177,250 $ 70,000
Hamilton, Indiana 22 $ 4,042,000 $ 183,727 $ 96,000
Douglas, Nebraska 22 $ 2,498,000 $ 113,545 $ 80,000
Dona Ana, New Mexico 22 $ 2,562,000 $ 116,454 $ 0
Lee, Florida 20 $ 3,452,000 $ 172,600 $ 107,000
Piatt, Illinois 20 $ 1,987,000 $ 99,350 $ 42,000
Christian, Illinois 19 $ 1,301,000 $ 68,473 $ 40,000
De Witt, Illinois 19 $ 2,137,000 $ 112,473 $ 54,000
St. Joseph, Indiana 19 $ 2,710,000 $ 142,631 $ 112,000
Ozaukee, Wisconsin 18 $ 3,639,000 $ 202,166 $ 119,000
Berrien, Michigan 17 $ 3,642,000 $ 214,235 $ 176,000
Pinellas, Florida 16 $ 2,456,000 $ 153,500 $ 90,000
Coles, Illinois 16 $ 1,130,000 $ 70,625 $ 43,000
Woodford, Illinois 16 $ 2,075,000 $ 129,687 $ 73,000
Marion, Indiana 16 $ 2,139,000 $ 133,687 $ 83,000
Cass, Michigan 16 $ 2,470,000 $ 154,375 $ 124,000
Sangamon, Illinois 15 $ 1,874,000 $ 124,933 $ 78,000
Rock, Wisconsin 15 $ 1,908,000 $ 127,200 $ 89,000
Hennepin, Minnesota 14 $ 3,176,000 $ 226,857 $ 97,000
St. Louis, Missouri 14 $ 2,909,000 $ 207,785 $ 192,000
Dodge, Wisconsin 14 $ 2,009,000 $ 143,500 $ 56,000
Pottawattamie, Iowa 13 $ 1,453,000 $ 111,769 $ 55,000
Cherokee, Oklahoma 13 $ 1,325,000 $ 101,923 $ 50,000
Collier, Florida 12 $ 2,811,000 $ 234,250 $ 192,000
Palm Beach, Florida 12 $ 1,726,000 $ 143,833 $ 109,000
LaSalle, Illinois 12 $ 1,427,000 $ 118,916 $ 64,000
Middlesex, Massachusetts 12 $ 3,297,000 $ 274,750 $ 126,000
Columbia, Wisconsin 12 $ 1,899,000 $ 158,250 $ 82,000
Sauk, Wisconsin 12 $ 1,337,000 $ 111,416 $ 68,000
Kankakee, Illinois 11 $ 1,526,000 $ 138,727 $ 62,000
Ogle, Illinois 11 $ 1,217,000 $ 110,636 $ 51,000
Fremont, Iowa 11 $ 806,000 $ 73,272 $ 53,000
Livingston, Michigan 11 $ 2,476,000 $ 225,090 $ 66,000
Livingston, Illinois 10 $ 964,000 $ 96,400 $ 53,000
Clark, Nevada 10 $ 1,565,000 $ 156,500 $ 123,000
Passaic, New Jersey 10 $ 1,956,000 $ 195,600 $ 69,000
Custer, Oklahoma 10 $ 917,000 $ 91,700 $ 64,000
Jefferson, Wisconsin 10 $ 1,290,000 $ 129,000 $ 66,000
Winnebago, Wisconsin 10 $ 1,018,000 $ 101,800 $ 83,000
Broward, Florida 9 $ 2,310,000 $ 256,666 $ 155,000
Boone, Illinois 9 $ 1,446,000 $ 160,666 $ 55,000
Porter, Indiana 9 $ 1,445,000 $ 160,555 $ 101,000
Oneida, Wisconsin 9 $ 1,604,000 $ 178,222 $ 91,000
Waupaca, Wisconsin 9 $ 1,067,000 $ 118,555 $ 62,000
Miami-Dade, Florida 8 $ 1,232,000 $ 154,000 $ 104,000
Douglas, Illinois 8 $ 479,000 $ 59,875 $ 43,000
Logan, Illinois 8 $ 888,000 $ 111,000 $ 72,000
Monroe, Illinois 8 $ 920,000 $ 115,000 $ 39,000
Dawes, Nebraska 8 $ 595,000 $ 74,375 $ 49,000
Sarpy, Nebraska 8 $ 1,118,000 $ 139,750 $ 68,000
Sullivan, Tennessee 8 $ 785,000 $ 98,125 $ 46,000
Otero, Colorado 7 $ 538,000 $ 76,857 $ 54,000
Sarasota, Florida 7 $ 1,032,000 $ 147,428 $ 57,000
Montgomery, Illinois 7 $ 696,000 $ 99,428 $ 76,000
Stephenson, Illinois 7 $ 572,000 $ 81,714 $ 57,000
LaPorte, Indiana 7 $ 1,343,000 $ 191,857 $ 114,000
Vanderburgh, Indiana 7 $ 475,000 $ 67,857 $ 58,000
Jackson, Missouri 7 $ 864,000 $ 123,428 $ 92,000
Mecklenburg, North Carolina 7 $ 1,831,000 $ 261,571 $ 73,000
Oklahoma, Oklahoma 7 $ 881,000 $ 125,857 $ 49,000
Payne, Oklahoma 7 $ 729,000 $ 104,142 $ 72,000
Adams, Wisconsin 7 $ 509,000 $ 72,714 $ 40,000
Brown, Wisconsin 7 $ 901,000 $ 128,714 $ 69,000
Outagamie, Wisconsin 7 $ 803,000 $ 114,714 $ 74,000
Pima, Arizona 6 $ 1,092,000 $ 182,000 $ 159,000
Grundy, Illinois 6 $ 1,346,000 $ 224,333 $ 54,000
Allen, Indiana 6 $ 754,000 $ 125,666 $ 78,000
White, Indiana 6 $ 841,000 $ 140,166 $ 99,000
Ingham, Michigan 6 $ 875,000 $ 145,833 $ 64,000
Kalamazoo, Michigan 6 $ 1,039,000 $ 173,166 $ 63,000
Hamilton, Ohio 6 $ 607,000 $ 101,166 $ 70,000
Allegheny, Pennsylvania 6 $ 884,000 $ 147,333 $ 91,000
Fond du Lac, Wisconsin 6 $ 519,000 $ 86,500 $ 40,000
Marathon, Wisconsin 6 $ 802,000 $ 133,666 $ 61,000
Hartford, Connecticut 5 $ 949,000 $ 189,800 $ 70,000
District of Columbia, District Of Columbia 5 $ 1,433,000 $ 286,600 $ 93,000
Charlotte, Florida 5 $ 935,000 $ 187,000 $ 143,000
Hillsborough, Florida 5 $ 1,309,000 $ 261,800 $ 110,000
Orange, Florida 5 $ 1,067,000 $ 213,400 $ 82,000
Osceola, Florida 5 $ 848,000 $ 169,600 $ 106,000
Pasco, Florida 5 $ 540,000 $ 108,000 $ 76,000
Moultrie, Illinois 5 $ 588,000 $ 117,600 $ 76,000
Rock Island, Illinois 5 $ 375,000 $ 75,000 $ 64,000
Whiteside, Illinois 5 $ 543,000 $ 108,600 $ 35,000
Scott, Iowa 5 $ 660,000 $ 132,000 $ 67,000
Montgomery, Maryland 5 $ 1,479,000 $ 295,800 $ 125,000
Hampden, Massachusetts 5 $ 1,284,000 $ 256,800 $ 130,000
Plymouth, Massachusetts 5 $ 1,330,000 $ 266,000 $ 120,000
Emmet, Michigan 5 $ 771,000 $ 154,200 $ 123,000
Lapeer, Michigan 5 $ 1,002,000 $ 200,400 $ 78,000
Midland, Michigan 5 $ 1,051,000 $ 210,200 $ 134,000
St. Clair, Michigan 5 $ 822,000 $ 164,400 $ 55,000
Van Buren, Michigan 5 $ 771,000 $ 154,200 $ 74,000
Queens, New York 5 $ 904,000 $ 180,800 $ 78,000
Wake, North Carolina 5 $ 749,000 $ 149,800 $ 95,000
Lucas, Ohio 5 $ 613,000 $ 122,600 $ 77,000
Washington, Tennessee 5 $ 416,000 $ 83,200 $ 34,000
Bexar, Texas 5 $ 456,000 $ 91,200 $ 57,000
Tarrant, Texas 5 $ 1,026,000 $ 205,200 $ 105,000
Juneau, Wisconsin 5 $ 649,000 $ 129,800 $ 102,000
Boulder, Colorado 4 $ 1,085,000 $ 271,250 $ 163,000
Polk, Florida 4 $ 430,000 $ 107,500 $ 75,000
Ford, Illinois 4 $ 378,000 $ 94,500 $ 62,000
Knox, Illinois 4 $ 279,000 $ 69,750 $ 32,000
Gibson, Indiana 4 $ 282,000 $ 70,500 $ 52,000
LaGrange, Indiana 4 $ 648,000 $ 162,000 $ 47,000
Black Hawk, Iowa 4 $ 456,000 $ 114,000 $ 63,000
Prince George's, Maryland 4 $ 674,000 $ 168,500 $ 70,000
Barnstable, Massachusetts 4 $ 811,000 $ 202,750 $ 167,000
Essex, Massachusetts 4 $ 977,000 $ 244,250 $ 99,000
Suffolk, Massachusetts 4 $ 665,000 $ 166,250 $ 111,000
Allegan, Michigan 4 $ 786,000 $ 196,500 $ 157,000
Jackson, Michigan 4 $ 636,000 $ 159,000 $ 27,000
Kent, Michigan 4 $ 663,000 $ 165,750 $ 105,000
Olmsted, Minnesota 4 $ 709,000 $ 177,250 $ 45,000
Ramsey, Minnesota 4 $ 1,239,000 $ 309,750 $ 215,000
Jefferson, Missouri 4 $ 481,000 $ 120,250 $ 72,000
St. Louis City, Missouri 4 $ 737,000 $ 184,250 $ 127,000
San Juan, New Mexico 4 $ 515,000 $ 128,750 $ 54,000
Kings, New York 4 $ 1,505,000 $ 376,250 $ 64,000
Tulsa, Oklahoma 4 $ 429,000 $ 107,250 $ 65,000
Dallas, Texas 4 $ 1,243,000 $ 310,750 $ 219,000
King, Washington 4 $ 1,048,000 $ 262,000 $ 91,000
Chippewa, Wisconsin 4 $ 588,000 $ 147,000 $ 79,000
Door, Wisconsin 4 $ 727,000 $ 181,750 $ 92,000
Kewaunee, Wisconsin 4 $ 704,000 $ 176,000 $ 102,000
Portage, Wisconsin 4 $ 733,000 $ 183,250 $ 77,000
Shawano, Wisconsin 4 $ 398,000 $ 99,500 $ 108,000
Sheboygan, Wisconsin 4 $ 348,000 $ 87,000 $ 63,000
Vilas, Wisconsin 4 $ 649,000 $ 162,250 $ 88,000
Waushara, Wisconsin 4 $ 399,000 $ 99,750 $ 54,000
Garland, Arkansas 3 $ 289,000 $ 96,333 $ 88,000
El Paso, Colorado 3 $ 871,000 $ 290,333 $ 133,000
Jefferson, Colorado 3 $ 560,000 $ 186,666 $ 88,000
Bay, Florida 3 $ 537,000 $ 179,000 $ 58,000
Flagler, Florida 3 $ 347,000 $ 115,666 $ 59,000
Lake, Florida 3 $ 337,000 $ 112,333 $ 106,000
St. Lucie, Florida 3 $ 583,000 $ 194,333 $ 98,000
Adams, Illinois 3 $ 254,000 $ 84,666 $ 63,000
Bond, Illinois 3 $ 588,000 $ 196,000 $ 109,000
Bureau, Illinois 3 $ 230,000 $ 76,666 $ 52,000
Macoupin, Illinois 3 $ 206,000 $ 68,666 $ 48,000
Shelby, Illinois 3 $ 230,000 $ 76,666 $ 44,000
Marshall, Indiana 3 $ 413,000 $ 137,666 $ 83,000
Warrick, Indiana 3 $ 551,000 $ 183,666 $ 136,000
Harrison, Iowa 3 $ 255,000 $ 85,000 $ 46,000
Johnson, Iowa 3 $ 337,000 $ 112,333 $ 85,000
Boone, Kentucky 3 $ 523,000 $ 174,333 $ 61,000
Fayette, Kentucky 3 $ 361,000 $ 120,333 $ 64,000
Kenton, Kentucky 3 $ 375,000 $ 125,000 $ 57,000
Hampshire, Massachusetts 3 $ 483,000 $ 161,000 $ 48,000
Worcester, Massachusetts 3 $ 395,000 $ 131,666 $ 78,000
Charlevoix, Michigan 3 $ 628,000 $ 209,333 $ 133,000
Eaton, Michigan 3 $ 347,000 $ 115,666 $ 47,000
Grand Traverse, Michigan 3 $ 689,000 $ 229,666 $ 100,000
Lenawee, Michigan 3 $ 324,000 $ 108,000 $ 32,000
Anoka, Minnesota 3 $ 439,000 $ 146,333 $ 62,000
Wright, Minnesota 3 $ 447,000 $ 149,000 $ 77,000
Camden, Missouri 3 $ 238,000 $ 79,333 $ 112,000
Bergen, New Jersey 3 $ 901,000 $ 300,333 $ 102,000
Morris, New Jersey 3 $ 899,000 $ 299,666 $ 135,000
Orange, New York 3 $ 467,000 $ 155,666 $ 47,000
Butler, Ohio 3 $ 674,000 $ 224,666 $ 104,000
Cuyahoga, Ohio 3 $ 605,000 $ 201,666 $ 86,000
Montgomery, Pennsylvania 3 $ 565,000 $ 188,333 $ 64,000
Philadelphia, Pennsylvania 3 $ 464,000 $ 154,666 $ 105,000
Hawkins, Tennessee 3 $ 223,000 $ 74,333 $ 41,000
Harris, Texas 3 $ 338,000 $ 112,666 $ 68,000
Travis, Texas 3 $ 647,000 $ 215,666 $ 148,000
Snohomish, Washington 3 $ 430,000 $ 143,333 $ 62,000
Clark, Wisconsin 3 $ 260,000 $ 86,666 $ 43,000
Douglas, Wisconsin 3 $ 243,000 $ 81,000 $ 24,000
Grant, Wisconsin 3 $ 366,000 $ 122,000 $ 55,000
Jackson, Wisconsin 3 $ 344,000 $ 114,666 $ 45,000
La Crosse, Wisconsin 3 $ 366,000 $ 122,000 $ 52,000
Marinette, Wisconsin 3 $ 362,000 $ 120,666 $ 106,000
St. Croix, Wisconsin 3 $ 476,000 $ 158,666 $ 72,000
Baldwin, Alabama 2 $ 324,000 $ 162,000 $ 204,000
Pinal, Arizona 2 $ 336,000 $ 168,000 $ 68,000
Yavapai, Arizona 2 $ 575,000 $ 287,500 $ 53,000
Ouachita, Arkansas 2 $ 217,000 $ 108,500 $ 84,000
Saline, Arkansas 2 $ 244,000 $ 122,000 $ 79,000
Los Angeles, California 2 $ 385,000 $ 192,500 $ 124,000
Riverside, California 2 $ 211,000 $ 105,500 $ 181,000
Denver, Colorado 2 $ 337,000 $ 168,500 $ 138,000
Douglas, Colorado 2 $ 414,000 $ 207,000 $ 101,000
Summit, Colorado 2 $ 313,000 $ 156,500 $ 182,000
Middlesex, Connecticut 2 $ 424,000 $ 212,000 $ 86,000
New Haven, Connecticut 2 $ 702,000 $ 351,000 $ 144,000
Brevard, Florida 2 $ 430,000 $ 215,000 $ 85,000
Escambia, Florida 2 $ 134,000 $ 67,000 $ 81,000
Monroe, Florida 2 $ 668,000 $ 334,000 $ 298,000
St. Johns, Florida 2 $ 424,000 $ 212,000 $ 104,000
Carroll, Illinois 2 $ 203,000 $ 101,500 $ 31,000
Effingham, Illinois 2 $ 262,000 $ 131,000 $ 137,000
Jo Daviess, Illinois 2 $ 107,000 $ 53,500 $ 56,000
Marshall, Illinois 2 $ 120,000 $ 60,000 $ 45,000
McDonough, Illinois 2 $ 191,000 $ 95,500 $ 58,000
Randolph, Illinois 2 $ 149,000 $ 74,500 $ 91,000
Boone, Indiana 2 $ 278,000 $ 139,000 $ 66,000
Carroll, Indiana 2 $ 180,000 $ 90,000 $ 95,000
Tippecanoe, Indiana 2 $ 314,000 $ 157,000 $ 83,000
Warren, Indiana 2 $ 169,000 $ 84,500 $ 75,000
Bremer, Iowa 2 $ 171,000 $ 85,500 $ 85,000
Polk, Iowa 2 $ 247,000 $ 123,500 $ 50,000
Cherokee, Kansas 2 $ 118,000 $ 59,000 $ 81,000
Baltimore, Maryland 2 $ 459,000 $ 229,500 $ 87,000
Baltimore City, Maryland 2 $ 514,000 $ 257,000 $ 106,000
Howard, Maryland 2 $ 593,000 $ 296,500 $ 151,000
Clinton, Michigan 2 $ 217,000 $ 108,500 $ 69,000
Houghton, Michigan 2 $ 189,000 $ 94,500 $ 72,000
Ottawa, Michigan 2 $ 591,000 $ 295,500 $ 162,000
Shiawassee, Michigan 2 $ 477,000 $ 238,500 $ 111,000
St. Joseph, Michigan 2 $ 338,000 $ 169,000 $ 132,000
Cottonwood, Minnesota 2 $ 122,000 $ 61,000 $ 33,000
Dakota, Minnesota 2 $ 524,000 $ 262,000 $ 104,000
St. Louis, Minnesota 2 $ 159,000 $ 79,500 $ 87,000
Washington, Minnesota 2 $ 419,000 $ 209,500 $ 64,000
Greene, Missouri 2 $ 122,000 $ 61,000 $ 89,000
St. Charles, Missouri 2 $ 282,000 $ 141,000 $ 68,000
Washington, Nebraska 2 $ 217,000 $ 108,500 $ 171,000
Carroll, New Hampshire 2 $ 724,000 $ 362,000 $ 648,000
Somerset, New Jersey 2 $ 616,000 $ 308,000 $ 154,000
Sussex, New Jersey 2 $ 711,000 $ 355,500 $ 138,000
Union, New Jersey 2 $ 420,000 $ 210,000 $ 70,000
Nassau, New York 2 $ 816,000 $ 408,000 $ 136,000
New York, New York 2 $ 743,000 $ 371,500 $ 140,000
Oswego, New York 2 $ 155,000 $ 77,500 $ 77,000
Brunswick, North Carolina 2 $ 669,000 $ 334,500 $ 361,000
Buncombe, North Carolina 2 $ 584,000 $ 292,000 $ 248,000
Catawba, North Carolina 2 $ 253,000 $ 126,500 $ 120,000
Moore, North Carolina 2 $ 487,000 $ 243,500 $ 83,000
Polk, North Carolina 2 $ 153,000 $ 76,500 $ 0
Rutherford, North Carolina 2 $ 282,000 $ 141,000 $ 184,000
Athens, Ohio 2 $ 444,000 $ 222,000 $ 109,000
Stark, Ohio 2 $ 188,000 $ 94,000 $ 44,000
Summit, Ohio 2 $ 380,000 $ 190,000 $ 19,000
Wood, Ohio 2 $ 293,000 $ 146,500 $ 56,000
Cleveland, Oklahoma 2 $ 196,000 $ 98,000 $ 102,000
Lincoln, Oklahoma 2 $ 107,000 $ 53,500 $ 23,000
Pontotoc, Oklahoma 2 $ 125,000 $ 62,500 $ 46,000
Chester, Pennsylvania 2 $ 314,000 $ 157,000 $ 51,000
Northampton, Pennsylvania 2 $ 581,000 $ 290,500 $ 150,000
Charleston, South Carolina 2 $ 545,000 $ 272,500 $ 225,000
Horry, South Carolina 2 $ 258,000 $ 129,000 $ 209,000
Carter, Tennessee 2 $ 122,000 $ 61,000 $ 29,000
Hamilton, Tennessee 2 $ 185,000 $ 92,500 $ 47,000
Montgomery, Texas 2 $ 363,000 $ 181,500 $ 129,000
Smith, Texas 2 $ 145,000 $ 72,500 $ 36,000
Orleans, Vermont 2 $ 238,000 $ 119,000 $ 45,000
Albemarle, Virginia 2 $ 285,000 $ 142,500 $ 240,000
Fairfax, Virginia 2 $ 759,000 $ 379,500 $ 129,000
Norfolk, Virginia 2 $ 187,000 $ 93,500 $ 66,000
Raleigh, West Virginia 2 $ 217,000 $ 108,500 $ 49,000
Calumet, Wisconsin 2 $ 313,000 $ 156,500 $ 86,000
Dunn, Wisconsin 2 $ 308,000 $ 154,000 $ 69,000
Eau Claire, Wisconsin 2 $ 248,000 $ 124,000 $ 38,000
Iowa, Wisconsin 2 $ 160,000 $ 80,000 $ 49,000
Langlade, Wisconsin 2 $ 288,000 $ 144,000 $ 141,000
Manitowoc, Wisconsin 2 $ 577,000 $ 288,500 $ 77,000
Oconto, Wisconsin 2 $ 385,000 $ 192,500 $ 68,000
Sawyer, Wisconsin 2 $ 464,000 $ 232,000 $ 153,000
Vernon, Wisconsin 2 $ 179,000 $ 89,500 $ 40,000
Wood, Wisconsin 2 $ 273,000 $ 136,500 $ 58,000
Carbon, Wyoming 2 $ 201,000 $ 100,500 $ 81,000
Sheridan, Wyoming 2 $ 150,000 $ 75,000 $ 30,000
Jefferson, Alabama 1 $ 303,000 $ 303,000 $ 210,000
Mobile, Alabama 1 $ 114,000 $ 114,000 $ 120,000
Walker, Alabama 1 $ 45,000 $ 45,000 $ 97,000
Gila, Arizona 1 $ 198,000 $ 198,000 $ 47,000
Yuma, Arizona 1 $ 134,000 $ 134,000 $ 40,000
Benton, Arkansas 1 $ 216,000 $ 216,000 $ 249,000
Boone, Arkansas 1 $ 131,000 $ 131,000 $ 24,000
Carroll, Arkansas 1 $ 180,000 $ 180,000 $ 53,000
Crawford, Arkansas 1 $ 140,000 $ 140,000 $ 76,000
Butte, California 1 $ 140,000 $ 140,000 $ 85,000
Fresno, California 1 $ 97,000 $ 97,000 $ 169,000
Orange, California 1 $ 131,000 $ 131,000 $ 748,000
Sacramento, California 1 $ 300,000 $ 300,000 $ 79,000
San Francisco, California 1 $ 650,000 $ 650,000 $ 166,000
Ventura, California 1 $ 600,000 $ 600,000 $ 180,000
Yolo, California 1 $ 334,000 $ 334,000 $ 120,000
Adams, Colorado 1 $ 126,000 $ 126,000 $ 118,000
Arapahoe, Colorado 1 $ 95,000 $ 95,000 $ 65,000
Larimer, Colorado 1 $ 145,000 $ 145,000 $ 78,000
Routt, Colorado 1 $ 150,000 $ 150,000 $ 423,000
San Miguel, Colorado 1 $ 618,000 $ 618,000 $ 465,000
Weld, Colorado 1 $ 131,000 $ 131,000 $ 129,000
Fairfield, Connecticut 1 $ 440,000 $ 440,000 $ 180,000
New Castle, Delaware 1 $ 90,000 $ 90,000 $ 54,000
Alachua, Florida 1 $ 291,000 $ 291,000 $ 110,000
Citrus, Florida 1 $ 322,000 $ 322,000 $ 95,000
Hernando, Florida 1 $ 53,000 $ 53,000 $ 72,000
Highlands, Florida 1 $ 45,000 $ 45,000 $ 24,000
Indian River, Florida 1 $ 130,000 $ 130,000 $ 88,000
Leon, Florida 1 $ 192,000 $ 192,000 $ 66,000
Manatee, Florida 1 $ 117,000 $ 117,000 $ 272,000
Marion, Florida 1 $ 100,000 $ 100,000 $ 79,000
Martin, Florida 1 $ 453,000 $ 453,000 $ 274,000
Seminole, Florida 1 $ 292,000 $ 292,000 $ 120,000
Sumter, Florida 1 $ 87,000 $ 87,000 $ 120,000
Blaine, Idaho 1 $ 89,000 $ 89,000 $ 96,000
Boundary, Idaho 1 $ 122,000 $ 122,000 $ 43,000
Clark, Illinois 1 $ 112,000 $ 112,000 $ 59,000
Clinton, Illinois 1 $ 96,000 $ 96,000 $ 62,000
Cumberland, Illinois 1 $ 52,000 $ 52,000 $ 38,000
Edgar, Illinois 1 $ 76,000 $ 76,000 $ 55,000
Fayette, Illinois 1 $ 66,000 $ 66,000 $ 62,000
Fulton, Illinois 1 $ 72,000 $ 72,000 $ 21,000
Henry, Illinois 1 $ 43,000 $ 43,000 $ 33,000
Iroquois, Illinois 1 $ 150,000 $ 150,000 $ 101,000
Jackson, Illinois 1 $ 106,000 $ 106,000 $ 52,000
Jefferson, Illinois 1 $ 100,000 $ 100,000 $ 53,000
Lawrence, Illinois 1 $ 175,000 $ 175,000 $ 110,000
Marion, Illinois 1 $ 85,000 $ 85,000 $ 88,000
Mason, Illinois 1 $ 63,000 $ 63,000 $ 23,000
Massac, Illinois 1 $ 47,000 $ 47,000 $ 22,000
Menard, Illinois 1 $ 95,000 $ 95,000 $ 48,000
Pike, Illinois 1 $ 124,000 $ 124,000 $ 58,000
Putnam, Illinois 1 $ 111,000 $ 111,000 $ 45,000
Clay, Indiana 1 $ 125,000 $ 125,000 $ 74,000
Crawford, Indiana 1 $ 38,000 $ 38,000 $ 94,000
Dearborn, Indiana 1 $ 252,000 $ 252,000 $ 70,000
Delaware, Indiana 1 $ 122,000 $ 122,000 $ 68,000
Grant, Indiana 1 $ 156,000 $ 156,000 $ 60,000
Hancock, Indiana 1 $ 333,000 $ 333,000 $ 107,000
Hendricks, Indiana 1 $ 55,000 $ 55,000 $ 63,000
Howard, Indiana 1 $ 206,000 $ 206,000 $ 103,000
Jasper, Indiana 1 $ 120,000 $ 120,000 $ 50,000
Johnson, Indiana 1 $ 128,000 $ 128,000 $ 32,000
Noble, Indiana 1 $ 197,000 $ 197,000 $ 110,000
Starke, Indiana 1 $ 65,000 $ 65,000 $ 57,000
Benton, Iowa 1 $ 149,000 $ 149,000 $ 67,000
Butler, Iowa 1 $ 48,000 $ 48,000 $ 32,000
Page, Iowa 1 $ 50,000 $ 50,000 $ 42,000
Jefferson, Kansas 1 $ 54,000 $ 54,000 $ 40,000
Sedgwick, Kansas 1 $ 130,000 $ 130,000 $ 42,000
Wyandotte, Kansas 1 $ 147,000 $ 147,000 $ 46,000
Hancock, Kentucky 1 $ 31,000 $ 31,000 $ 44,000
Henderson, Kentucky 1 $ 126,000 $ 126,000 $ 79,000
Jefferson, Kentucky 1 $ 124,000 $ 124,000 $ 77,000
Lyon, Kentucky 1 $ 120,000 $ 120,000 $ 366,000
Oldham, Kentucky 1 $ 163,000 $ 163,000 $ 0
Kennebec, Maine 1 $ 215,000 $ 215,000 $ 182,000
Charles, Maryland 1 $ 284,000 $ 284,000 $ 65,000
Frederick, Maryland 1 $ 448,000 $ 448,000 $ 80,000
St. Mary's, Maryland 1 $ 130,000 $ 130,000 $ 20,000
Worcester, Maryland 1 $ 84,000 $ 84,000 $ 100,000
Norfolk, Massachusetts 1 $ 637,000 $ 637,000 $ 218,000
Alcona, Michigan 1 $ 177,000 $ 177,000 $ 153,000
Alger, Michigan 1 $ 118,000 $ 118,000 $ 44,000
Antrim, Michigan 1 $ 118,000 $ 118,000 $ 91,000
Benzie, Michigan 1 $ 149,000 $ 149,000 $ 57,000
Branch, Michigan 1 $ 116,000 $ 116,000 $ 85,000
Gogebic, Michigan 1 $ 39,000 $ 39,000 $ 31,000
Iosco, Michigan 1 $ 90,000 $ 90,000 $ 224,000
Iron, Michigan 1 $ 120,000 $ 120,000 $ 84,000
Isabella, Michigan 1 $ 192,000 $ 192,000 $ 144,000
Kalkaska, Michigan 1 $ 152,000 $ 152,000 $ 0
Luce, Michigan 1 $ 83,000 $ 83,000 $ 72,000
Mackinac, Michigan 1 $ 86,000 $ 86,000 $ 72,000
Menominee, Michigan 1 $ 231,000 $ 231,000 $ 253,000
Monroe, Michigan 1 $ 326,000 $ 326,000 $ 106,000
Newaygo, Michigan 1 $ 68,000 $ 68,000 $ 60,000
Ontonagon, Michigan 1 $ 144,000 $ 144,000 $ 135,000
Otsego, Michigan 1 $ 250,000 $ 250,000 $ 0
Presque Isle, Michigan 1 $ 40,000 $ 40,000 $ 23,000
Sanilac, Michigan 1 $ 115,000 $ 115,000 $ 182,000
Schoolcraft, Michigan 1 $ 100,000 $ 100,000 $ 183,000
Wexford, Michigan 1 $ 205,000 $ 205,000 $ 0
Carver, Minnesota 1 $ 125,000 $ 125,000 $ 96,000
Freeborn, Minnesota 1 $ 52,000 $ 52,000 $ 20,000
Kanabec, Minnesota 1 $ 60,000 $ 60,000 $ 92,000
Nicollet, Minnesota 1 $ 156,000 $ 156,000 $ 50,000
Nobles, Minnesota 1 $ 105,000 $ 105,000 $ 35,000
Pennington, Minnesota 1 $ 147,000 $ 147,000 $ 166,000
Pine, Minnesota 1 $ 80,000 $ 80,000 $ 41,000
Renville, Minnesota 1 $ 78,000 $ 78,000 $ 37,000
Scott, Minnesota 1 $ 227,000 $ 227,000 $ 83,000
Steele, Minnesota 1 $ 92,000 $ 92,000 $ 61,000
Winona, Minnesota 1 $ 162,000 $ 162,000 $ 60,000
Boone, Missouri 1 $ 107,000 $ 107,000 $ 12,000
Cass, Missouri 1 $ 125,000 $ 125,000 $ 60,000
Franklin, Missouri 1 $ 138,000 $ 138,000 $ 65,000
Morgan, Missouri 1 $ 176,000 $ 176,000 $ 121,000
Phelps, Missouri 1 $ 61,000 $ 61,000 $ 46,000
Platte, Missouri 1 $ 191,000 $ 191,000 $ 113,000
Lincoln, Montana 1 $ 162,000 $ 162,000 $ 72,000
Missoula, Montana 1 $ 97,000 $ 97,000 $ 21,000
Adams, Nebraska 1 $ 50,000 $ 50,000 $ 30,000
Lancaster, Nebraska 1 $ 140,000 $ 140,000 $ 55,000
Belknap, New Hampshire 1 $ 105,000 $ 105,000 $ 88,000
Merrimack, New Hampshire 1 $ 540,000 $ 540,000 $ 239,000
Cape May, New Jersey 1 $ 406,000 $ 406,000 $ 259,000
Essex, New Jersey 1 $ 397,000 $ 397,000 $ 190,000
Hudson, New Jersey 1 $ 99,000 $ 99,000 $ 49,000
Monmouth, New Jersey 1 $ 444,000 $ 444,000 $ 175,000
Ocean, New Jersey 1 $ 457,000 $ 457,000 $ 163,000
Lea, New Mexico 1 $ 59,000 $ 59,000 $ 55,000
Santa Fe, New Mexico 1 $ 175,000 $ 175,000 $ 46,000
Taos, New Mexico 1 $ 156,000 $ 156,000 $ 479,000
Valencia, New Mexico 1 $ 123,000 $ 123,000 $ 92,000
Albany, New York 1 $ 113,000 $ 113,000 $ 45,000
Erie, New York 1 $ 185,000 $ 185,000 $ 299,000
Monroe, New York 1 $ 194,000 $ 194,000 $ 40,000
Saratoga, New York 1 $ 500,000 $ 500,000 $ 293,000
St. Lawrence, New York 1 $ 88,000 $ 88,000 $ 64,000
Suffolk, New York 1 $ 250,000 $ 250,000 $ 145,000
Sullivan, New York 1 $ 170,000 $ 170,000 $ 85,000
Westchester, New York 1 $ 550,000 $ 550,000 $ 135,000
Carteret, North Carolina 1 $ 115,000 $ 115,000 $ 0
Macon, North Carolina 1 $ 108,000 $ 108,000 $ 27,000
Union, North Carolina 1 $ 261,000 $ 261,000 $ 120,000
Watauga, North Carolina 1 $ 315,000 $ 315,000 $ 99,000
Wayne, North Carolina 1 $ 80,000 $ 80,000 $ 55,000
McLean, North Dakota 1 $ 118,000 $ 118,000 $ 46,000
Ward, North Dakota 1 $ 60,000 $ 60,000 $ 27,000
Delaware, Ohio 1 $ 184,000 $ 184,000 $ 76,000
Hancock, Ohio 1 $ 80,000 $ 80,000 $ 29,000
Miami, Ohio 1 $ 100,000 $ 100,000 $ 36,000
Montgomery, Ohio 1 $ 108,000 $ 108,000 $ 89,000
Perry, Ohio 1 $ 159,000 $ 159,000 $ 77,000
Portage, Ohio 1 $ 102,000 $ 102,000 $ 77,000
Tuscarawas, Ohio 1 $ 63,000 $ 63,000 $ 29,000
Van Wert, Ohio 1 $ 50,000 $ 50,000 $ 24,000
Wayne, Ohio 1 $ 116,000 $ 116,000 $ 67,000
Wyandot, Ohio 1 $ 116,000 $ 116,000 $ 58,000
Bryan, Oklahoma 1 $ 146,000 $ 146,000 $ 42,000
Canadian, Oklahoma 1 $ 220,000 $ 220,000 $ 199,000
Comanche, Oklahoma 1 $ 180,000 $ 180,000 $ 67,000
Delaware, Oklahoma 1 $ 47,000 $ 47,000 $ 56,000
Garfield, Oklahoma 1 $ 168,000 $ 168,000 $ 100,000
Kay, Oklahoma 1 $ 70,000 $ 70,000 $ 13,000
Logan, Oklahoma 1 $ 100,000 $ 100,000 $ 42,000
Muskogee, Oklahoma 1 $ 220,000 $ 220,000 $ 87,000
Pottawatomie, Oklahoma 1 $ 149,000 $ 149,000 $ 118,000
Rogers, Oklahoma 1 $ 150,000 $ 150,000 $ 125,000
Wagoner, Oklahoma 1 $ 310,000 $ 310,000 $ 70,000
Multnomah, Oregon 1 $ 302,000 $ 302,000 $ 90,000
Blair, Pennsylvania 1 $ 117,000 $ 117,000 $ 63,000
Bucks, Pennsylvania 1 $ 250,000 $ 250,000 $ 120,000
Dauphin, Pennsylvania 1 $ 51,000 $ 51,000 $ 58,000
Luzerne, Pennsylvania 1 $ 115,000 $ 115,000 $ 100,000
York, Pennsylvania 1 $ 40,000 $ 40,000 $ 17,000
Beaufort, South Carolina 1 $ 162,000 $ 162,000 $ 42,000
Pickens, South Carolina 1 $ 71,000 $ 71,000 $ 94,000
Richland, South Carolina 1 $ 206,000 $ 206,000 $ 75,000
Hughes, South Dakota 1 $ 67,000 $ 67,000 $ 34,000
McCook, South Dakota 1 $ 105,000 $ 105,000 $ 57,000
Yankton, South Dakota 1 $ 132,000 $ 132,000 $ 150,000
Davidson, Tennessee 1 $ 90,000 $ 90,000 $ 33,000
Knox, Tennessee 1 $ 215,000 $ 215,000 $ 388,000
McMinn, Tennessee 1 $ 40,000 $ 40,000 $ 304,000
Rutherford, Tennessee 1 $ 88,000 $ 88,000 $ 41,000
Sevier, Tennessee 1 $ 117,000 $ 117,000 $ 44,000
Shelby, Tennessee 1 $ 150,000 $ 150,000 $ 160,000
Warren, Tennessee 1 $ 42,000 $ 42,000 $ 46,000
Williamson, Tennessee 1 $ 185,000 $ 185,000 $ 87,000
Brazoria, Texas 1 $ 123,000 $ 123,000 $ 60,000
Cameron, Texas 1 $ 278,000 $ 278,000 $ 145,000
Fort Bend, Texas 1 $ 189,000 $ 189,000 $ 111,000
Hays, Texas 1 $ 131,000 $ 131,000 $ 51,000
Hidalgo, Texas 1 $ 110,000 $ 110,000 $ 33,000
Hutchinson, Texas 1 $ 180,000 $ 180,000 $ 0
Summit, Utah 1 $ 190,000 $ 190,000 $ 0
Weber, Utah 1 $ 266,000 $ 266,000 $ 99,000
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Mortgage Loan Application Detail Totals for Mortgage Services 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
Refinancing 4,017 $660,984,000 $167,418 $1,000,000 $104,488 $2,481,000
Home Purchase 2,020 $317,050,000 $180,333 $650,000 $93,119 $1,418,000
Home Improvement 77 $12,699,000 $146,500 $450,000 $67,800 $260,000

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 4,405 $694,735,000 $174,244 $1,000,000 $104,822 $2,481,000
Asian 680 $137,450,000 $253,047 $650,000 $117,428 $684,000
Hispanic 341 $51,310,000 $136,600 $387,000 $83,360 $794,000
Not Provided 321 $50,027,000 $164,518 $649,000 $94,370 $676,000
Not applicable 199 $34,440,000 $165,428 $334,000 $0 $0
Black or African American 147 $19,285,000 $133,687 $410,000 $75,125 $300,000
American Indian or Alaskan Native 13 $2,000,000 $168,555 $322,000 $90,000 $210,000
Native Hawaiian or Other Pacific Islander 8 $1,486,000 $185,000 $259,000 $78,000 $142,000

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) 5,758 $954,225,000 $173,844 $1,000,000 $102,688 $2,481,000
FHA-insured (Federal Housing Administration) 196 $21,372,000 $100,916 $272,000 $34,583 $145,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 111 $8,659,000 $84,857 $149,000 $37,857 $67,000
VA-guaranteed (Veterans Administration) 49 $6,477,000 $131,250 $245,000 $49,250 $113,000

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 4,805 $772,024,000 $174,418 $650,000 $104,372 $2,481,000
Application Denied By Financial Institution 467 $78,845,000 $165,735 $650,000 $86,852 $597,000
File Closed For Incompleteness 451 $75,855,000 $159,586 $550,000 $83,517 $703,000
Loan Purchased By The Institution 199 $34,440,000 $165,428 $334,000 $0 $0
Application Approved But Not Accepted 100 $17,125,000 $174,777 $435,000 $90,388 $264,000
Application Withdrawn By Applicant 73 $9,999,000 $131,363 $1,000,000 $82,727 $422,000
Preapproval Denied by Financial Institution 19 $2,445,000 $128,000 $281,000 $57,000 $121,000
Preapproval Approved but not Accepted 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 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Credit History 0 $0 $0 $0 $0 $0
Debt-To-Income Ratio 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Other 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Mortgage Services 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 Services 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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