Netmore America, Inc. Mortgage Lending & HMDA Data, 2010
In 2010, Netmore America, Inc. of Walla Walla, WA reported 5,224 mortgage applications totaling $1.2 billion, down 27% from 2009. The average application was for $237,308, and applicants reported an average income of $94,036. 56% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Portland-Vancouver-Hillsboro, OR-WA (500), Oakland-Fremont-Hayward, CA (331) and Bakersfield-Delano, CA (309) (applications in parentheses).
| Mortgage Company & Address | Netmore America, Inc. 109 East Main Street, Suite 301 Walla Walla, WA 99362 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 |
| Total Number of Mortgage Applications | 5,224 |
| Total Mortgage Loan Application Amount | $1,239,698,000 |
| Average Mortgage Loan Application Amount | $237,308 |
| Highest Mortgage Loan Application Amount | $800,000 |
| Average Applicant Income | $94,036 |
| Highest Applicant Income | $2,477,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Netmore America, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Portland-Vancouver-Hillsboro, OR-WA | 500 | $ 113,459,000 | $ 226,918 | $ 80,014 |
| Oakland-Fremont-Hayward, CA | 331 | $ 126,518,000 | $ 382,229 | $ 151,000 |
| Bakersfield-Delano, CA | 309 | $ 42,882,000 | $ 138,776 | $ 50,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 254 | $ 112,163,000 | $ 441,586 | $ 166,000 |
| Seattle-Bellevue-Everett, WA | 249 | $ 71,575,000 | $ 287,449 | $ 99,000 |
| Tacoma, WA | 239 | $ 54,507,000 | $ 228,062 | $ 72,000 |
| Chicago-Joliet-Naperville, IL | 226 | $ 51,437,000 | $ 227,597 | $ 98,000 |
| Olympia, WA | 201 | $ 44,047,000 | $ 219,139 | $ 83,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 136 | $ 33,161,000 | $ 243,830 | $ 97,000 |
| Austin-Round Rock-San Marcos, TX | 133 | $ 25,050,000 | $ 188,345 | $ 105,000 |
| Phoenix-Mesa-Glendale, AZ | 125 | $ 20,115,000 | $ 160,920 | $ 76,000 |
| Los Angeles-Long Beach-Glendale, CA | 119 | $ 44,712,000 | $ 375,731 | $ 161,000 |
| Spokane, WA | 119 | $ 20,877,000 | $ 175,436 | $ 69,000 |
| Bremerton-Silverdale, WA | 115 | $ 25,242,000 | $ 219,495 | $ 64,000 |
| San Diego-Carlsbad-San Marcos, CA | 96 | $ 29,085,000 | $ 302,968 | $ 99,000 |
| Las Vegas-Paradise, NV | 86 | $ 11,388,000 | $ 132,418 | $ 50,000 |
| San Francisco-San Mateo-Redwood City, CA | 86 | $ 38,248,000 | $ 444,744 | $ 158,000 |
| Houston-Sugar Land-Baytown, TX | 84 | $ 15,769,000 | $ 187,726 | $ 127,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 84 | $ 15,448,000 | $ 183,904 | $ 89,785 |
| Dallas-Plano-Irving, TX | 67 | $ 11,710,000 | $ 174,776 | $ 87,000 |
| Provo-Orem, UT | 61 | $ 11,928,000 | $ 195,540 | $ 76,000 |
| Salt Lake City, UT | 58 | $ 13,241,000 | $ 228,293 | $ 96,000 |
| Boise City-Nampa, ID | 57 | $ 10,259,000 | $ 179,982 | $ 72,000 |
| Bend, OR | 56 | $ 10,143,000 | $ 181,125 | $ 78,000 |
| Denver-Aurora-Broomfield, CO | 52 | $ 11,697,000 | $ 224,942 | $ 109,000 |
| Santa Ana-Anaheim-Irvine, CA | 37 | $ 12,516,000 | $ 338,270 | $ 134,000 |
| Eugene-Springfield, OR | 36 | $ 7,177,000 | $ 199,361 | $ 69,000 |
| Ogden-Clearfield, UT | 35 | $ 5,441,000 | $ 155,457 | $ 72,000 |
| Kennewick-Pasco-Richland, WA | 34 | $ 6,314,000 | $ 185,705 | $ 81,000 |
| San Antonio-New Braunfels, TX | 34 | $ 5,992,000 | $ 176,235 | $ 91,000 |
| Green Bay, WI | 31 | $ 5,640,000 | $ 181,935 | $ 84,000 |
| Lake County-Kenosha County, IL-WI | 30 | $ 6,749,000 | $ 224,966 | $ 116,000 |
| Colorado Springs, CO | 29 | $ 6,744,000 | $ 232,551 | $ 81,000 |
| Coeur D'Alene, ID | 27 | $ 6,043,000 | $ 223,814 | $ 76,000 |
| Salem, OR | 24 | $ 4,231,000 | $ 176,291 | $ 90,000 |
| Stockton, CA | 24 | $ 5,687,000 | $ 236,958 | $ 125,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 24 | $ 4,993,000 | $ 208,041 | $ 105,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 23 | $ 4,315,000 | $ 187,608 | $ 63,000 |
| Fort Worth-Arlington, TX | 22 | $ 3,584,000 | $ 162,909 | $ 77,000 |
| El Paso, TX | 21 | $ 2,625,000 | $ 125,000 | $ 55,000 |
| Baltimore-Towson, MD | 20 | $ 5,470,000 | $ 273,500 | $ 85,000 |
| Santa Rosa-Petaluma, CA | 17 | $ 5,410,000 | $ 318,235 | $ 132,000 |
| Madison, WI | 16 | $ 3,138,000 | $ 196,125 | $ 82,000 |
| Vallejo-Fairfield, CA | 14 | $ 3,800,000 | $ 271,428 | $ 101,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 13 | $ 3,664,000 | $ 281,846 | $ 106,000 |
| Bethesda-Rockville-Frederick, MD | 12 | $ 4,296,000 | $ 358,000 | $ 93,000 |
| Riverside-San Bernardino-Ontario, CA | 12 | $ 2,932,000 | $ 244,333 | $ 77,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 11 | $ 4,047,000 | $ 367,909 | $ 151,000 |
| Bellingham, WA | 10 | $ 2,135,000 | $ 213,500 | $ 61,000 |
| New Orleans-Metairie-Kenner, LA | 10 | $ 1,607,000 | $ 160,700 | $ 43,000 |
| Tyler, TX | 10 | $ 1,687,000 | $ 168,700 | $ 72,000 |
| Appleton, WI | 9 | $ 2,067,000 | $ 229,666 | $ 110,000 |
| Milwaukee-Waukesha-West Allis, WI | 9 | $ 1,656,000 | $ 184,000 | $ 78,000 |
| Santa Cruz-Watsonville, CA | 9 | $ 4,236,000 | $ 470,666 | $ 172,000 |
| Modesto, CA | 8 | $ 1,638,000 | $ 204,750 | $ 179,000 |
| Prescott, AZ | 8 | $ 1,485,000 | $ 185,625 | $ 61,000 |
| San Luis Obispo-Paso Robles, CA | 8 | $ 1,988,000 | $ 248,500 | $ 130,000 |
| St. Louis, MO-IL | 8 | $ 1,206,000 | $ 150,750 | $ 65,000 |
| Wenatchee-East Wenatchee, WA | 8 | $ 2,123,000 | $ 265,375 | $ 99,000 |
| Fresno, CA | 7 | $ 1,375,000 | $ 196,428 | $ 83,000 |
| Longview, WA | 7 | $ 1,427,000 | $ 203,857 | $ 192,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 7 | $ 2,485,000 | $ 355,000 | $ 127,000 |
| St. George, UT | 7 | $ 774,000 | $ 110,571 | $ 64,000 |
| Chico, CA | 6 | $ 1,511,000 | $ 251,833 | $ 121,000 |
| Idaho Falls, ID | 6 | $ 1,196,000 | $ 199,333 | $ 84,000 |
| Killeen-Temple-Fort Hood, TX | 6 | $ 602,000 | $ 100,333 | $ 65,000 |
| Medford, OR | 6 | $ 1,287,000 | $ 214,500 | $ 76,000 |
| Mount Vernon-Anacortes, WA | 6 | $ 1,591,000 | $ 265,166 | $ 56,000 |
| Yakima, WA | 6 | $ 1,212,000 | $ 202,000 | $ 67,000 |
| Cape Coral-Fort Myers, FL | 5 | $ 411,000 | $ 82,200 | $ 47,000 |
| Honolulu, HI | 5 | $ 2,800,000 | $ 560,000 | $ 134,000 |
| St. Cloud, MN | 5 | $ 689,000 | $ 137,800 | $ 64,000 |
| Tampa-St. Petersburg-Clearwater, FL | 5 | $ 735,000 | $ 147,000 | $ 102,000 |
| Laredo, TX | 4 | $ 679,000 | $ 169,750 | $ 95,000 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 1,016,000 | $ 254,000 | $ 93,000 |
| Orlando-Kissimmee-Sanford, FL | 4 | $ 376,000 | $ 94,000 | $ 34,000 |
| Corpus Christi, TX | 3 | $ 663,000 | $ 221,000 | $ 95,000 |
| Lake Havasu City-Kingman, AZ | 3 | $ 698,000 | $ 232,666 | $ 108,000 |
| Logan, UT-ID | 3 | $ 396,000 | $ 132,000 | $ 81,000 |
| Oshkosh-Neenah, WI | 3 | $ 472,000 | $ 157,333 | $ 65,000 |
| Sherman-Denison, TX | 3 | $ 288,000 | $ 96,000 | $ 82,000 |
| Abilene, TX | 2 | $ 360,000 | $ 180,000 | $ 109,000 |
| Amarillo, TX | 2 | $ 235,000 | $ 117,500 | $ 76,000 |
| Columbia, SC | 2 | $ 263,000 | $ 131,500 | $ 123,000 |
| Eau Claire, WI | 2 | $ 295,000 | $ 147,500 | $ 92,000 |
| Greenville-Mauldin-Easley, SC | 2 | $ 310,000 | $ 155,000 | $ 108,000 |
| Janesville, WI | 2 | $ 329,000 | $ 164,500 | $ 52,000 |
| Kankakee-Bradley, IL | 2 | $ 393,000 | $ 196,500 | $ 115,000 |
| La Crosse, WI-MN | 2 | $ 366,000 | $ 183,000 | $ 21,000 |
| Madera-Chowchilla, CA | 2 | $ 655,000 | $ 327,500 | $ 70,000 |
| Mankato-North Mankato, MN | 2 | $ 304,000 | $ 152,000 | $ 39,000 |
| Napa, CA | 2 | $ 863,000 | $ 431,500 | $ 270,000 |
| Oklahoma City, OK | 2 | $ 296,000 | $ 148,000 | $ 106,000 |
| Racine, WI | 2 | $ 356,000 | $ 178,000 | $ 106,000 |
| Rochester, MN | 2 | $ 221,000 | $ 110,500 | $ 43,000 |
| Tucson, AZ | 2 | $ 216,000 | $ 108,000 | $ 42,000 |
| Yuba City, CA | 2 | $ 208,000 | $ 104,000 | $ 25,000 |
| Albuquerque, NM | 1 | $ 90,000 | $ 90,000 | $ 26,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 143,000 | $ 143,000 | $ 56,000 |
| Beaumont-Port Arthur, TX | 1 | $ 83,000 | $ 83,000 | $ 57,000 |
| Brownsville-Harlingen, TX | 1 | $ 78,000 | $ 78,000 | $ 72,000 |
| College Station-Bryan, TX | 1 | $ 186,000 | $ 186,000 | $ 126,000 |
| Corvallis, OR | 1 | $ 230,000 | $ 230,000 | $ 59,000 |
| Duluth, MN-WI | 1 | $ 146,000 | $ 146,000 | $ 58,000 |
| Flagstaff, AZ | 1 | $ 275,000 | $ 275,000 | $ 27,000 |
| Flint, MI | 1 | $ 88,000 | $ 88,000 | $ 31,000 |
| Greeley, CO | 1 | $ 172,000 | $ 172,000 | $ 32,000 |
| Lakeland-Winter Haven, FL | 1 | $ 74,000 | $ 74,000 | $ 0 |
| Longview, TX | 1 | $ 182,000 | $ 182,000 | $ 96,000 |
| Lubbock, TX | 1 | $ 62,000 | $ 62,000 | $ 94,000 |
| Midland, TX | 1 | $ 150,000 | $ 150,000 | $ 147,000 |
| Naples-Marco Island, FL | 1 | $ 235,000 | $ 235,000 | $ 318,000 |
| Odessa, TX | 1 | $ 109,000 | $ 109,000 | $ 122,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 387,000 | $ 387,000 | $ 182,000 |
| Pueblo, CO | 1 | $ 215,000 | $ 215,000 | $ 87,000 |
| Redding, CA | 1 | $ 135,000 | $ 135,000 | $ 53,000 |
| Reno-Sparks, NV | 1 | $ 347,000 | $ 347,000 | $ 0 |
| Rockford, IL | 1 | $ 231,000 | $ 231,000 | $ 95,000 |
| Salinas, CA | 1 | $ 335,000 | $ 335,000 | $ 115,000 |
| Salisbury, MD | 1 | $ 352,000 | $ 352,000 | $ 149,000 |
| Victoria, TX | 1 | $ 203,000 | $ 203,000 | $ 176,000 |
| Visalia-Porterville, CA | 1 | $ 169,000 | $ 169,000 | $ 75,000 |
| Waco, TX | 1 | $ 238,000 | $ 238,000 | $ 100,000 |
| Wichita Falls, TX | 1 | $ 114,000 | $ 114,000 | $ 51,000 |
| Yuma, AZ | 1 | $ 104,000 | $ 104,000 | $ 39,000 |
Mortgage Loan Application Detail Totals for Netmore America, Inc. in 2010
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 | 3,075 | $823,839,000 | $267,000 | $755,000 | $108,000 | $2,477,000 |
| Home Purchase | 2,147 | $415,045,000 | $193,000 | $800,000 | $74,000 | $1,196,000 |
| Home Improvement | 2 | $814,000 | $407,000 | $625,000 | $134,000 | $201,000 |
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 | 3,383 | $777,449,000 | $229,000 | $800,000 | $94,000 | $1,732,000 |
| Asian | 708 | $221,996,000 | $313,000 | $746,000 | $121,000 | $716,000 |
| Hispanic | 516 | $84,057,000 | $162,000 | $700,000 | $60,000 | $2,477,000 |
| Not Provided | 445 | $116,783,000 | $262,000 | $729,000 | $100,000 | $578,000 |
| Black or African American | 113 | $24,037,000 | $212,000 | $730,000 | $69,000 | $313,000 |
| Native Hawaiian or Other Pacific Islander | 37 | $10,636,000 | $287,000 | $653,000 | $96,000 | $296,000 |
| American Indian or Alaskan Native | 22 | $4,740,000 | $215,000 | $411,000 | $78,000 | $207,000 |
| 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) | 3,142 | $826,737,000 | $263,000 | $800,000 | $115,000 | $2,477,000 |
| FHA-insured (Federal Housing Administration) | 1,810 | $355,880,000 | $196,000 | $746,000 | $63,000 | $945,000 |
| VA-guaranteed (Veterans Administration) | 237 | $52,240,000 | $220,000 | $488,000 | $62,000 | $205,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 35 | $4,841,000 | $138,000 | $261,000 | $42,000 | $75,000 |
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 | 2,940 | $693,457,000 | $235,000 | $746,000 | $99,000 | $2,477,000 |
| Application Withdrawn By Applicant | 800 | $177,687,000 | $222,000 | $729,000 | $79,000 | $1,732,000 |
| Application Approved But Not Accepted | 688 | $180,976,000 | $263,000 | $736,000 | $105,000 | $869,000 |
| File Closed For Incompleteness | 458 | $104,078,000 | $227,000 | $800,000 | $82,000 | $1,440,000 |
| Application Denied By Financial Institution | 338 | $83,500,000 | $247,000 | $730,000 | $83,000 | $1,196,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 103 | $25,953,000 | $251,000 | $729,000 | $65,000 | $274,000 |
| Other | 68 | $16,294,000 | $239,000 | $626,000 | $109,000 | $501,000 |
| Credit History | 49 | $11,007,000 | $224,000 | $730,000 | $60,000 | $216,000 |
| Collateral | 41 | $9,581,000 | $233,000 | $580,000 | $100,000 | $382,000 |
| Employment History | 21 | $5,278,000 | $251,000 | $679,000 | $67,000 | $169,000 |
| Credit Application Incomplete | 10 | $3,481,000 | $348,000 | $590,000 | $200,000 | $1,196,000 |
| Unverifiable Information | 10 | $3,028,000 | $302,000 | $665,000 | $74,000 | $183,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $329,000 | $164,000 | $261,000 | $84,000 | $121,000 |
| Mortgage Insurance Denied | 2 | $381,000 | $190,000 | $263,000 | $80,000 | $88,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Netmore America, Inc.'s 2010 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 Netmore America, 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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