Onemain Financial, Inc. Mortgage Lending & HMDA Data, 2012
In 2012, Onemain Financial, Inc. of Baltimore, MD reported 474 mortgage applications totaling $34.3 million, down 59% from 2011. The average application was for $72,291, and applicants reported an average income of $34,911. 8% of its applications resulted in an originated loan and 82% were denied. Its largest markets were Richmond, VA (52), Virginia Beach-Norfolk-Newport News, VA-NC (31) and Knoxville, TN (26) (applications in parentheses).
| Mortgage Company & Address | Onemain Financial, Inc. 300 St. Paul Place Baltimore, MD 21202 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2012 2011 |
| Total Number of Mortgage Applications | 474 |
| Total Mortgage Loan Application Amount | $34,266,000 |
| Average Mortgage Loan Application Amount | $72,291 |
| Highest Mortgage Loan Application Amount | $341,000 |
| Average Applicant Income | $34,911 |
| Highest Applicant Income | $196,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Onemain Financial, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Shelby, Tennessee | 23 | $ 1,294,000 | $ 56,260 | $ 34,000 |
| Hamilton, Tennessee | 13 | $ 868,000 | $ 66,769 | $ 36,000 |
| Pittsylvania, Virginia | 13 | $ 690,000 | $ 53,076 | $ 30,000 |
| Washington, Tennessee | 12 | $ 1,010,000 | $ 84,166 | $ 35,000 |
| Henrico, Virginia | 10 | $ 1,258,000 | $ 125,800 | $ 43,000 |
| Carter, Tennessee | 9 | $ 557,000 | $ 61,888 | $ 46,000 |
| Campbell, Tennessee | 8 | $ 469,000 | $ 58,625 | $ 30,000 |
| Loudon, Tennessee | 8 | $ 605,000 | $ 75,625 | $ 35,000 |
| Chesterfield, Virginia | 8 | $ 1,005,000 | $ 125,625 | $ 36,000 |
| Norfolk, Virginia | 8 | $ 992,000 | $ 124,000 | $ 38,000 |
| Virginia Beach, Virginia | 8 | $ 1,434,000 | $ 179,250 | $ 47,000 |
| Blount, Tennessee | 7 | $ 472,000 | $ 67,428 | $ 44,000 |
| Montgomery, Tennessee | 7 | $ 458,000 | $ 65,428 | $ 67,000 |
| Sullivan, Tennessee | 7 | $ 510,000 | $ 72,857 | $ 36,000 |
| Lee, Virginia | 7 | $ 459,000 | $ 65,571 | $ 36,000 |
| Richmond City, Virginia | 7 | $ 798,000 | $ 114,000 | $ 42,000 |
| Knox, Tennessee | 6 | $ 271,000 | $ 45,166 | $ 30,000 |
| Roane, Tennessee | 6 | $ 592,000 | $ 98,666 | $ 49,000 |
| Danville, Virginia | 6 | $ 323,000 | $ 53,833 | $ 32,000 |
| Henry, Virginia | 6 | $ 391,000 | $ 65,166 | $ 30,000 |
| Roanoke City, Virginia | 6 | $ 451,000 | $ 75,166 | $ 31,000 |
| Spotsylvania, Virginia | 6 | $ 452,000 | $ 75,333 | $ 54,000 |
| Greene, Tennessee | 5 | $ 210,000 | $ 42,000 | $ 26,000 |
| McNairy, Tennessee | 5 | $ 339,000 | $ 67,800 | $ 27,000 |
| Halifax, Virginia | 5 | $ 231,000 | $ 46,200 | $ 25,000 |
| Lynchburg, Virginia | 5 | $ 410,000 | $ 82,000 | $ 40,000 |
| Suffolk, Virginia | 5 | $ 580,000 | $ 116,000 | $ 31,000 |
| Fayette, West Virginia | 5 | $ 236,000 | $ 47,200 | $ 33,000 |
| Wood, West Virginia | 5 | $ 247,000 | $ 49,400 | $ 29,000 |
| Cumberland, Tennessee | 4 | $ 365,000 | $ 91,250 | $ 31,000 |
| Davidson, Tennessee | 4 | $ 321,000 | $ 80,250 | $ 27,000 |
| Franklin, Tennessee | 4 | $ 256,000 | $ 64,000 | $ 30,000 |
| Giles, Tennessee | 4 | $ 104,000 | $ 26,000 | $ 25,000 |
| Lawrence, Tennessee | 4 | $ 140,000 | $ 35,000 | $ 37,000 |
| Madison, Tennessee | 4 | $ 219,000 | $ 54,750 | $ 38,000 |
| Obion, Tennessee | 4 | $ 197,000 | $ 49,250 | $ 24,000 |
| Weakley, Tennessee | 4 | $ 137,000 | $ 34,250 | $ 47,000 |
| Brunswick, Virginia | 4 | $ 338,000 | $ 84,500 | $ 44,000 |
| Dinwiddie, Virginia | 4 | $ 563,000 | $ 140,750 | $ 33,000 |
| Montgomery, Virginia | 4 | $ 227,000 | $ 56,750 | $ 25,000 |
| Patrick, Virginia | 4 | $ 252,000 | $ 63,000 | $ 29,000 |
| Petersburg, Virginia | 4 | $ 205,000 | $ 51,250 | $ 23,000 |
| Prince Edward, Virginia | 4 | $ 239,000 | $ 59,750 | $ 17,000 |
| Greenbrier, West Virginia | 4 | $ 226,000 | $ 56,500 | $ 47,000 |
| Mercer, West Virginia | 4 | $ 192,000 | $ 48,000 | $ 50,000 |
| Anderson, Tennessee | 3 | $ 99,000 | $ 33,000 | $ 28,000 |
| Grundy, Tennessee | 3 | $ 160,000 | $ 53,333 | $ 19,000 |
| Hardeman, Tennessee | 3 | $ 171,000 | $ 57,000 | $ 19,000 |
| Lincoln, Tennessee | 3 | $ 119,000 | $ 39,666 | $ 25,000 |
| Marshall, Tennessee | 3 | $ 277,000 | $ 92,333 | $ 40,000 |
| Morgan, Tennessee | 3 | $ 144,000 | $ 48,000 | $ 31,000 |
| Scott, Tennessee | 3 | $ 186,000 | $ 62,000 | $ 32,000 |
| Albemarle, Virginia | 3 | $ 371,000 | $ 123,666 | $ 59,000 |
| Augusta, Virginia | 3 | $ 282,000 | $ 94,000 | $ 40,000 |
| Carroll, Virginia | 3 | $ 107,000 | $ 35,666 | $ 11,000 |
| Charles City, Virginia | 3 | $ 172,000 | $ 57,333 | $ 20,000 |
| Cumberland, Virginia | 3 | $ 210,000 | $ 70,000 | $ 14,000 |
| Isle of Wight, Virginia | 3 | $ 362,000 | $ 120,666 | $ 46,000 |
| James City, Virginia | 3 | $ 256,000 | $ 85,333 | $ 33,000 |
| King William, Virginia | 3 | $ 571,000 | $ 190,333 | $ 34,000 |
| Louisa, Virginia | 3 | $ 261,000 | $ 87,000 | $ 31,000 |
| Roanoke, Virginia | 3 | $ 131,000 | $ 43,666 | $ 52,000 |
| Smyth, Virginia | 3 | $ 240,000 | $ 80,000 | $ 49,000 |
| Washington, Virginia | 3 | $ 79,000 | $ 26,333 | $ 33,000 |
| Mineral, West Virginia | 3 | $ 261,000 | $ 87,000 | $ 58,000 |
| Ohio, West Virginia | 3 | $ 62,000 | $ 20,666 | $ 30,000 |
| Bradley, Tennessee | 2 | $ 74,000 | $ 37,000 | $ 35,000 |
| Carroll, Tennessee | 2 | $ 74,000 | $ 37,000 | $ 19,000 |
| Cocke, Tennessee | 2 | $ 120,000 | $ 60,000 | $ 15,000 |
| Coffee, Tennessee | 2 | $ 105,000 | $ 52,500 | $ 27,000 |
| Dickson, Tennessee | 2 | $ 54,000 | $ 27,000 | $ 39,000 |
| Gibson, Tennessee | 2 | $ 78,000 | $ 39,000 | $ 30,000 |
| Haywood, Tennessee | 2 | $ 105,000 | $ 52,500 | $ 10,000 |
| Johnson, Tennessee | 2 | $ 147,000 | $ 73,500 | $ 29,000 |
| Marion, Tennessee | 2 | $ 42,000 | $ 21,000 | $ 17,000 |
| Maury, Tennessee | 2 | $ 222,000 | $ 111,000 | $ 36,000 |
| Rutherford, Tennessee | 2 | $ 114,000 | $ 57,000 | $ 40,000 |
| Sevier, Tennessee | 2 | $ 85,000 | $ 42,500 | $ 26,000 |
| Sumner, Tennessee | 2 | $ 132,000 | $ 66,000 | $ 15,000 |
| Unicoi, Tennessee | 2 | $ 101,000 | $ 50,500 | $ 29,000 |
| Union, Tennessee | 2 | $ 93,000 | $ 46,500 | $ 26,000 |
| Amherst, Virginia | 2 | $ 131,000 | $ 65,500 | $ 25,000 |
| Buchanan, Virginia | 2 | $ 117,000 | $ 58,500 | $ 48,000 |
| Buckingham, Virginia | 2 | $ 156,000 | $ 78,000 | $ 18,000 |
| Caroline, Virginia | 2 | $ 246,000 | $ 123,000 | $ 34,000 |
| Essex, Virginia | 2 | $ 80,000 | $ 40,000 | $ 16,000 |
| Fauquier, Virginia | 2 | $ 286,000 | $ 143,000 | $ 40,000 |
| Franklin, Virginia | 2 | $ 245,000 | $ 122,500 | $ 41,000 |
| Martinsville, Virginia | 2 | $ 103,000 | $ 51,500 | $ 17,000 |
| Nelson, Virginia | 2 | $ 137,000 | $ 68,500 | $ 42,000 |
| Orange, Virginia | 2 | $ 426,000 | $ 213,000 | $ 53,000 |
| Page, Virginia | 2 | $ 64,000 | $ 32,000 | $ 22,000 |
| Staunton, Virginia | 2 | $ 177,000 | $ 88,500 | $ 15,000 |
| Surry, Virginia | 2 | $ 112,000 | $ 56,000 | $ 44,000 |
| Tazewell, Virginia | 2 | $ 75,000 | $ 37,500 | $ 18,000 |
| Wythe, Virginia | 2 | $ 155,000 | $ 77,500 | $ 44,000 |
| Marion, West Virginia | 2 | $ 114,000 | $ 57,000 | $ 18,000 |
| Monongalia, West Virginia | 2 | $ 151,000 | $ 75,500 | $ 27,000 |
| Summers, West Virginia | 2 | $ 57,000 | $ 28,500 | $ 14,000 |
| Wyoming, West Virginia | 2 | $ 52,000 | $ 26,000 | $ 37,000 |
| Madison, Alabama | 1 | $ 32,000 | $ 32,000 | $ 68,000 |
| Maricopa, Arizona | 1 | $ 59,000 | $ 59,000 | $ 40,000 |
| Bedford, Tennessee | 1 | $ 91,000 | $ 91,000 | $ 14,000 |
| Benton, Tennessee | 1 | $ 18,000 | $ 18,000 | $ 24,000 |
| Bledsoe, Tennessee | 1 | $ 97,000 | $ 97,000 | $ 64,000 |
| Cannon, Tennessee | 1 | $ 65,000 | $ 65,000 | $ 37,000 |
| Chester, Tennessee | 1 | $ 64,000 | $ 64,000 | $ 35,000 |
| Claiborne, Tennessee | 1 | $ 47,000 | $ 47,000 | $ 25,000 |
| Decatur, Tennessee | 1 | $ 30,000 | $ 30,000 | $ 27,000 |
| DeKalb, Tennessee | 1 | $ 159,000 | $ 159,000 | $ 104,000 |
| Fayette, Tennessee | 1 | $ 68,000 | $ 68,000 | $ 13,000 |
| Hamblen, Tennessee | 1 | $ 18,000 | $ 18,000 | $ 22,000 |
| Hancock, Tennessee | 1 | $ 102,000 | $ 102,000 | $ 30,000 |
| Lauderdale, Tennessee | 1 | $ 40,000 | $ 40,000 | $ 56,000 |
| Monroe, Tennessee | 1 | $ 69,000 | $ 69,000 | $ 12,000 |
| Rhea, Tennessee | 1 | $ 56,000 | $ 56,000 | $ 26,000 |
| Smith, Tennessee | 1 | $ 15,000 | $ 15,000 | $ 20,000 |
| Tipton, Tennessee | 1 | $ 20,000 | $ 20,000 | $ 82,000 |
| Williamson, Tennessee | 1 | $ 62,000 | $ 62,000 | $ 16,000 |
| Wilson, Tennessee | 1 | $ 113,000 | $ 113,000 | $ 49,000 |
| Appomattox, Virginia | 1 | $ 145,000 | $ 145,000 | $ 91,000 |
| Bath, Virginia | 1 | $ 76,000 | $ 76,000 | $ 40,000 |
| Bristol, Virginia | 1 | $ 35,000 | $ 35,000 | $ 26,000 |
| Campbell, Virginia | 1 | $ 31,000 | $ 31,000 | $ 15,000 |
| Floyd, Virginia | 1 | $ 47,000 | $ 47,000 | $ 33,000 |
| Frederick, Virginia | 1 | $ 94,000 | $ 94,000 | $ 16,000 |
| Hampton, Virginia | 1 | $ 129,000 | $ 129,000 | $ 39,000 |
| Hanover, Virginia | 1 | $ 110,000 | $ 110,000 | $ 42,000 |
| Highland, Virginia | 1 | $ 108,000 | $ 108,000 | $ 34,000 |
| Hopewell, Virginia | 1 | $ 84,000 | $ 84,000 | $ 20,000 |
| King George, Virginia | 1 | $ 135,000 | $ 135,000 | $ 52,000 |
| Lunenburg, Virginia | 1 | $ 76,000 | $ 76,000 | $ 96,000 |
| Madison, Virginia | 1 | $ 86,000 | $ 86,000 | $ 15,000 |
| New Kent, Virginia | 1 | $ 132,000 | $ 132,000 | $ 27,000 |
| Portsmouth, Virginia | 1 | $ 72,000 | $ 72,000 | $ 15,000 |
| Prince George, Virginia | 1 | $ 47,000 | $ 47,000 | $ 13,000 |
| Radford, Virginia | 1 | $ 82,000 | $ 82,000 | $ 20,000 |
| Rappahannock, Virginia | 1 | $ 98,000 | $ 98,000 | $ 78,000 |
| Richmond, Virginia | 1 | $ 105,000 | $ 105,000 | $ 60,000 |
| Rockbridge, Virginia | 1 | $ 80,000 | $ 80,000 | $ 33,000 |
| Rockingham, Virginia | 1 | $ 42,000 | $ 42,000 | $ 20,000 |
| Russell, Virginia | 1 | $ 124,000 | $ 124,000 | $ 40,000 |
| Sussex, Virginia | 1 | $ 89,000 | $ 89,000 | $ 90,000 |
| Wise, Virginia | 1 | $ 52,000 | $ 52,000 | $ 26,000 |
| Hancock, West Virginia | 1 | $ 23,000 | $ 23,000 | $ 20,000 |
| Jefferson, West Virginia | 1 | $ 20,000 | $ 20,000 | $ 16,000 |
| Lincoln, West Virginia | 1 | $ 30,000 | $ 30,000 | $ 27,000 |
| Preston, West Virginia | 1 | $ 46,000 | $ 46,000 | $ 39,000 |
| Putnam, West Virginia | 1 | $ 114,000 | $ 114,000 | $ 45,000 |
| Raleigh, West Virginia | 1 | $ 15,000 | $ 15,000 | $ 87,000 |
| Randolph, West Virginia | 1 | $ 58,000 | $ 58,000 | $ 19,000 |
| Roane, West Virginia | 1 | $ 57,000 | $ 57,000 | $ 37,000 |
| Tucker, West Virginia | 1 | $ 55,000 | $ 55,000 | $ 27,000 |
Mortgage Loan Application Detail Totals for Onemain Financial, Inc. in 2012
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 | 402 | $29,928,000 | $74,000 | $341,000 | $34,000 | $196,000 |
| Home Improvement | 72 | $4,338,000 | $60,000 | $273,000 | $40,000 | $116,000 |
| Home Purchase | 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 | 298 | $20,048,000 | $67,000 | $273,000 | $35,000 | $196,000 |
| Black or African American | 161 | $12,600,000 | $78,000 | $286,000 | $34,000 | $119,000 |
| Not Provided | 10 | $854,000 | $85,000 | $217,000 | $51,000 | $93,000 |
| Asian | 2 | $487,000 | $243,000 | $341,000 | $36,000 | $72,000 |
| Hispanic | 2 | $222,000 | $111,000 | $117,000 | $37,000 | $54,000 |
| American Indian or Alaskan Native | 1 | $55,000 | $55,000 | $55,000 | $25,000 | $25,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 474 | $34,266,000 | $72,000 | $341,000 | $35,000 | $196,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 388 | $29,042,000 | $74,000 | $341,000 | $33,000 | $119,000 |
| Application Approved But Not Accepted | 44 | $2,611,000 | $59,000 | $230,000 | $44,000 | $116,000 |
| Loan Originated | 36 | $2,251,000 | $62,000 | $130,000 | $38,000 | $81,000 |
| Application Withdrawn By Applicant | 6 | $362,000 | $60,000 | $99,000 | $69,000 | $196,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 Onemain Financial, Inc.'s 2012 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 Onemain Financial, 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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