Northstar Mortgage Group, LLC Mortgage Lending & HMDA Data, 2008
In 2008, Northstar Mortgage Group, LLC of Marietta, GA reported 371 mortgage applications totaling $88.3 million, down 31% from 2007. The average application was for $237,913, and applicants reported an average income of $129,571. 86% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (174), Fort Walton Beach-Crestview-Destin, FL (57) and Charlotte-Gastonia-Concord, NC-SC (42) (applications in parentheses).
| Mortgage Company & Address | Northstar Mortgage Group, LLC 3535 Roswell Road, Bldg 53 Marietta, GA 30062 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2008 2007 2006 |
| Total Number of Mortgage Applications | 371 |
| Total Mortgage Loan Application Amount | $88,266,000 |
| Average Mortgage Loan Application Amount | $237,913 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $129,571 |
| Highest Applicant Income | $1,137,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Northstar Mortgage Group, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 174 | $ 38,567,000 | $ 221,649 | $ 101,000 |
| Fort Walton Beach-Crestview-Destin, FL | 57 | $ 13,672,000 | $ 239,859 | $ 119,000 |
| Charlotte-Gastonia-Concord, NC-SC | 42 | $ 13,910,000 | $ 331,190 | $ 142,666 |
| Panama City-Lynn Haven, FL | 37 | $ 8,871,000 | $ 239,756 | $ 220,000 |
| Orlando-Kissimmee, FL | 10 | $ 2,582,000 | $ 258,200 | $ 219,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 348,000 | $ 116,000 | $ 95,000 |
| Chattanooga, TN-GA | 2 | $ 528,000 | $ 264,000 | $ 81,000 |
| Dothan, AL | 2 | $ 117,000 | $ 58,500 | $ 54,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 339,000 | $ 169,500 | $ 53,000 |
| Raleigh-Cary, NC | 2 | $ 338,000 | $ 169,000 | $ 39,000 |
| Anniston-Oxford, AL | 1 | $ 126,000 | $ 126,000 | $ 62,000 |
| Athens-Clarke County, GA | 1 | $ 232,000 | $ 232,000 | $ 76,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 176,000 | $ 176,000 | $ 60,000 |
| Charleston-North Charleston-Summerville, SC | 1 | $ 417,000 | $ 417,000 | $ 1,137,000 |
| Columbia, SC | 1 | $ 167,000 | $ 167,000 | $ 50,000 |
| Jacksonville, NC | 1 | $ 124,000 | $ 124,000 | $ 70,000 |
| Ocala, FL | 1 | $ 120,000 | $ 120,000 | $ 120,000 |
| Rocky Mount, NC | 1 | $ 127,000 | $ 127,000 | $ 53,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 161,000 | $ 161,000 | $ 55,000 |
| Valdosta, GA | 1 | $ 175,000 | $ 175,000 | $ 43,000 |
Mortgage Loan Application Detail Totals for Northstar Mortgage Group, LLC 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 | 212 | $47,095,000 | $222,000 | $863,000 | $136,000 | $1,137,000 |
| Refinancing | 159 | $41,171,000 | $258,000 | $1,000,000 | $121,000 | $691,000 |
| 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 | 289 | $70,312,000 | $243,000 | $1,000,000 | $139,000 | $1,137,000 |
| Black or African American | 32 | $6,797,000 | $212,000 | $417,000 | $79,000 | $171,000 |
| Not Provided | 28 | $7,198,000 | $257,000 | $811,000 | $129,000 | $600,000 |
| Hispanic | 13 | $1,988,000 | $152,000 | $286,000 | $75,000 | $142,000 |
| Asian | 8 | $1,855,000 | $231,000 | $328,000 | $106,000 | $250,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $116,000 | $116,000 | $116,000 | $39,000 | $39,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 266 | $69,862,000 | $262,000 | $1,000,000 | $154,000 | $1,137,000 |
| FHA-insured (Federal Housing Administration) | 83 | $14,812,000 | $178,000 | $350,000 | $69,000 | $194,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $2,543,000 | $149,000 | $276,000 | $49,000 | $111,000 |
| VA-guaranteed (Veterans Administration) | 5 | $1,049,000 | $209,000 | $300,000 | $78,000 | $171,000 |
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 | 319 | $75,783,000 | $237,000 | $1,000,000 | $127,000 | $1,137,000 |
| Application Denied By Financial Institution | 25 | $5,351,000 | $214,000 | $743,000 | $104,000 | $247,000 |
| Application Withdrawn By Applicant | 24 | $6,663,000 | $277,000 | $650,000 | $195,000 | $886,000 |
| Application Approved But Not Accepted | 2 | $394,000 | $197,000 | $240,000 | $85,000 | $131,000 |
| File Closed For Incompleteness | 1 | $75,000 | $75,000 | $75,000 | $38,000 | $38,000 |
| 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 | 11 | $2,078,000 | $188,000 | $408,000 | $104,000 | $226,000 |
| Collateral | 4 | $951,000 | $237,000 | $405,000 | $116,000 | $215,000 |
| Other | 1 | $224,000 | $224,000 | $224,000 | $128,000 | $128,000 |
| Unverifiable Information | 1 | $350,000 | $350,000 | $350,000 | $192,000 | $192,000 |
| Credit History | 1 | $45,000 | $45,000 | $45,000 | $70,000 | $70,000 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Northstar Mortgage Group, LLC'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 Northstar Mortgage Group, LLC'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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