Odyssey Funding LLC Mortgage Lending & HMDA Data, 2016
In 2016, Odyssey Funding LLC of Vienna, VA reported 1,001 mortgage applications totaling $250.3 million, up 78% from 2015. The average application was for $250,075, and applicants reported an average income of $71,935. 70% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (566), Jacksonville, FL (107) and Baltimore-Columbia-Towson, MD (83) (applications in parentheses).
| Mortgage Company & Address | Odyssey Funding LLC 8133 Leesburg Pike Suite 450 Vienna, VA 22182 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 1,001 |
| Total Mortgage Loan Application Amount | $250,326,000 |
| Average Mortgage Loan Application Amount | $250,075 |
| Highest Mortgage Loan Application Amount | $732,000 |
| Average Applicant Income | $71,935 |
| Highest Applicant Income | $1,301,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Odyssey Funding LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Prince George's, Maryland | 191 | $ 49,705,000 | $ 260,235 | $ 66,000 |
| Prince William, Virginia | 130 | $ 35,115,000 | $ 270,115 | $ 60,000 |
| Duval, Florida | 74 | $ 10,904,000 | $ 147,351 | $ 55,000 |
| Fairfax, Virginia | 70 | $ 21,198,000 | $ 302,828 | $ 61,000 |
| Montgomery, Maryland | 66 | $ 20,080,000 | $ 304,242 | $ 86,000 |
| Loudoun, Virginia | 38 | $ 10,930,000 | $ 287,631 | $ 56,000 |
| Charles, Maryland | 35 | $ 9,543,000 | $ 272,657 | $ 79,000 |
| Baltimore, Maryland | 26 | $ 5,407,000 | $ 207,961 | $ 63,000 |
| Stafford, Virginia | 24 | $ 6,393,000 | $ 266,375 | $ 60,000 |
| Clay, Florida | 23 | $ 3,694,000 | $ 160,608 | $ 62,000 |
| Anne Arundel, Maryland | 22 | $ 6,164,000 | $ 280,181 | $ 74,000 |
| Manassas, Virginia | 21 | $ 6,117,000 | $ 291,285 | $ 59,000 |
| Baltimore City, Maryland | 19 | $ 3,202,000 | $ 168,526 | $ 60,000 |
| Tarrant, Texas | 18 | $ 2,475,000 | $ 137,500 | $ 47,000 |
| District of Columbia, District Of Columbia | 14 | $ 5,980,000 | $ 427,142 | $ 122,000 |
| Lee, Florida | 13 | $ 1,870,000 | $ 143,846 | $ 55,000 |
| Howard, Maryland | 12 | $ 3,863,000 | $ 321,916 | $ 95,000 |
| St. Johns, Florida | 10 | $ 2,131,000 | $ 213,100 | $ 103,000 |
| Spotsylvania, Virginia | 10 | $ 2,343,000 | $ 234,300 | $ 66,000 |
| Hillsborough, Florida | 8 | $ 1,004,000 | $ 125,500 | $ 188,000 |
| Alexandria, Virginia | 8 | $ 2,306,000 | $ 288,250 | $ 97,000 |
| Manassas Park, Virginia | 8 | $ 1,903,000 | $ 237,875 | $ 63,000 |
| San Bernardino, California | 6 | $ 1,667,000 | $ 277,833 | $ 87,000 |
| Frederick, Maryland | 6 | $ 1,802,000 | $ 300,333 | $ 84,000 |
| Fauquier, Virginia | 6 | $ 1,876,000 | $ 312,666 | $ 56,000 |
| Riverside, California | 5 | $ 1,713,000 | $ 342,600 | $ 120,000 |
| Palm Beach, Florida | 5 | $ 970,000 | $ 194,000 | $ 64,000 |
| Dallas, Texas | 5 | $ 894,000 | $ 178,800 | $ 70,000 |
| Miami-Dade, Florida | 4 | $ 1,111,000 | $ 277,750 | $ 81,000 |
| Orange, Florida | 4 | $ 821,000 | $ 205,250 | $ 53,000 |
| Warren, Virginia | 4 | $ 1,040,000 | $ 260,000 | $ 66,000 |
| Broward, Florida | 3 | $ 568,000 | $ 189,333 | $ 104,000 |
| Harford, Maryland | 3 | $ 666,000 | $ 222,000 | $ 63,000 |
| Brazoria, Texas | 3 | $ 571,000 | $ 190,333 | $ 85,000 |
| Culpeper, Virginia | 3 | $ 812,000 | $ 270,666 | $ 85,000 |
| Frederick, Virginia | 3 | $ 617,000 | $ 205,666 | $ 45,000 |
| Highlands, Florida | 2 | $ 215,000 | $ 107,500 | $ 39,000 |
| Indian River, Florida | 2 | $ 260,000 | $ 130,000 | $ 40,000 |
| Martin, Florida | 2 | $ 313,000 | $ 156,500 | $ 55,000 |
| Osceola, Florida | 2 | $ 347,000 | $ 173,500 | $ 53,000 |
| Seminole, Florida | 2 | $ 217,000 | $ 108,500 | $ 49,000 |
| St. Lucie, Florida | 2 | $ 305,000 | $ 152,500 | $ 60,000 |
| Calvert, Maryland | 2 | $ 461,000 | $ 230,500 | $ 82,000 |
| St. Mary's, Maryland | 2 | $ 357,000 | $ 178,500 | $ 54,000 |
| Washington, Maryland | 2 | $ 456,000 | $ 228,000 | $ 83,000 |
| Johnson, Texas | 2 | $ 246,000 | $ 123,000 | $ 33,000 |
| Lubbock, Texas | 2 | $ 217,000 | $ 108,500 | $ 90,000 |
| Parker, Texas | 2 | $ 250,000 | $ 125,000 | $ 65,000 |
| Arlington, Virginia | 2 | $ 626,000 | $ 313,000 | $ 66,000 |
| Caroline, Virginia | 2 | $ 336,000 | $ 168,000 | $ 45,000 |
| Chesterfield, Virginia | 2 | $ 350,000 | $ 175,000 | $ 86,000 |
| Los Angeles, California | 1 | $ 335,000 | $ 335,000 | $ 71,000 |
| Orange, California | 1 | $ 350,000 | $ 350,000 | $ 92,000 |
| San Diego, California | 1 | $ 324,000 | $ 324,000 | $ 82,000 |
| San Luis Obispo, California | 1 | $ 447,000 | $ 447,000 | $ 133,000 |
| Charlotte, Florida | 1 | $ 196,000 | $ 196,000 | $ 75,000 |
| Collier, Florida | 1 | $ 119,000 | $ 119,000 | $ 29,000 |
| Glades, Florida | 1 | $ 157,000 | $ 157,000 | $ 32,000 |
| Madison, Florida | 1 | $ 142,000 | $ 142,000 | $ 61,000 |
| Marion, Florida | 1 | $ 115,000 | $ 115,000 | $ 58,000 |
| Polk, Florida | 1 | $ 67,000 | $ 67,000 | $ 35,000 |
| Sarasota, Florida | 1 | $ 732,000 | $ 732,000 | $ 394,000 |
| Volusia, Florida | 1 | $ 116,000 | $ 116,000 | $ 55,000 |
| Allegany, Maryland | 1 | $ 226,000 | $ 226,000 | $ 63,000 |
| Carroll, Maryland | 1 | $ 344,000 | $ 344,000 | $ 72,000 |
| Worcester, Maryland | 1 | $ 176,000 | $ 176,000 | $ 127,000 |
| Wayne, North Carolina | 1 | $ 416,000 | $ 416,000 | $ 133,000 |
| Allegheny, Pennsylvania | 1 | $ 330,000 | $ 330,000 | $ 94,000 |
| Beaver, Pennsylvania | 1 | $ 153,000 | $ 153,000 | $ 45,000 |
| Philadelphia, Pennsylvania | 1 | $ 323,000 | $ 323,000 | $ 77,000 |
| Coleman, Texas | 1 | $ 59,000 | $ 59,000 | $ 40,000 |
| Denton, Texas | 1 | $ 380,000 | $ 380,000 | $ 313,000 |
| Ellis, Texas | 1 | $ 105,000 | $ 105,000 | $ 23,000 |
| Erath, Texas | 1 | $ 57,000 | $ 57,000 | $ 29,000 |
| Hockley, Texas | 1 | $ 157,000 | $ 157,000 | $ 69,000 |
| Palo Pinto, Texas | 1 | $ 142,000 | $ 142,000 | $ 39,000 |
| Wise, Texas | 1 | $ 89,000 | $ 89,000 | $ 68,000 |
| Wood, Texas | 1 | $ 106,000 | $ 106,000 | $ 91,000 |
| Winchester, Virginia | 1 | $ 196,000 | $ 196,000 | $ 49,000 |
Mortgage Loan Application Detail Totals for Odyssey Funding LLC in 2016
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 | $207,411,000 | $246,000 | $732,000 | $74,000 | $1,301,000 |
| Refinancing | 159 | $42,915,000 | $269,000 | $625,000 | $61,000 | $609,000 |
| 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 |
|---|---|---|---|---|---|---|
| Hispanic | 529 | $129,881,000 | $245,000 | $595,000 | $61,000 | $756,000 |
| Black or African American | 209 | $52,029,000 | $248,000 | $628,000 | $73,000 | $1,111,000 |
| White | 183 | $45,938,000 | $251,000 | $732,000 | $98,000 | $1,301,000 |
| Not Provided | 54 | $15,327,000 | $283,000 | $625,000 | $72,000 | $210,000 |
| Asian | 17 | $4,811,000 | $283,000 | $510,000 | $82,000 | $138,000 |
| American Indian or Alaskan Native | 5 | $1,387,000 | $277,000 | $510,000 | $83,000 | $122,000 |
| Not applicable | 3 | $462,000 | $154,000 | $197,000 | $27,000 | $52,000 |
| Native Hawaiin or Other Pacific Islander | 1 | $491,000 | $491,000 | $491,000 | $120,000 | $120,000 |
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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 833 | $207,901,000 | $249,000 | $636,000 | $65,000 | $1,301,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 136 | $33,803,000 | $248,000 | $732,000 | $110,000 | $609,000 |
| VA-guaranteed (Veterans Administration) | 32 | $8,622,000 | $269,000 | $563,000 | $70,000 | $142,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 698 | $174,891,000 | $250,000 | $636,000 | $66,000 | $356,000 |
| Application Withdrawn By Applicant | 126 | $30,133,000 | $239,000 | $628,000 | $75,000 | $609,000 |
| File Closed For Incompleteness | 119 | $32,177,000 | $270,000 | $732,000 | $99,000 | $1,301,000 |
| Application Denied By Financial Institution | 57 | $12,738,000 | $223,000 | $393,000 | $75,000 | $609,000 |
| Application Approved But Not Accepted | 1 | $387,000 | $387,000 | $387,000 | $125,000 | $125,000 |
| 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 | 21 | $4,661,000 | $221,000 | $382,000 | $56,000 | $113,000 |
| Collateral | 9 | $1,342,000 | $149,000 | $314,000 | $57,000 | $109,000 |
| Credit History | 9 | $2,815,000 | $312,000 | $393,000 | $97,000 | $218,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,287,000 | $257,000 | $366,000 | $57,000 | $73,000 |
| Employment History | 4 | $718,000 | $179,000 | $233,000 | $46,000 | $59,000 |
| Other | 3 | $589,000 | $196,000 | $304,000 | $73,000 | $88,000 |
| Unverifiable Information | 3 | $678,000 | $226,000 | $250,000 | $55,000 | $65,000 |
| Credit Application Incomplete | 1 | $275,000 | $275,000 | $275,000 | $64,000 | $64,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Odyssey Funding LLC's 2016 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 Odyssey Funding 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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