Opteum Financial Services Llc
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003

Opteum Financial Services Llc 2003 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.

Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher, this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.

Mortgage Company & Address Opteum Financial Services Llc
West 115 Century Road - 3Rd Floor
Paramus, NJ 07652
Tel #: available with data download
Federal Regulator * available with data download
Years 2004  2003  
Total Number of Mortgage Applications 30,073
Total Mortgage Loan Application Amount $5,105,694,000
Average Mortgage Loan Application Amount $164,621
Highest Mortgage Loan Application Amount $6,338,000
Average Applicant Income $76,010
Highest Applicant Income $3,423,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Opteum Financial Services Llc. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Opteum Financial Services Llc's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.

Our HMDA dataset for 2003 breaks down Opteum Financial Services Llc's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Opteum Financial Services Llc serves its applicants.

Each category highlights the total number of mortgage applications processed by Opteum Financial Services Llc, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Opteum Financial Services Llc's mortgage activity for 2003.

Mortgage Loan Application Totals for Opteum Financial Services Llc by County in 2003

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Fulton County Georgia 1,756 $ 338,536,000 $ 192,000 $ 84,000
Henry County Georgia 1,216 $ 160,778,000 $ 132,000 $ 69,000
DeKalb County Georgia 1,138 $ 173,499,000 $ 152,000 $ 63,000
Gwinnett County Georgia 1,096 $ 156,015,000 $ 142,000 $ 65,000
Cobb County Georgia 1,089 $ 167,834,000 $ 154,000 $ 74,000
Los Angeles County California 890 $ 233,908,000 $ 262,000 $ 101,000
Newton County Georgia 708 $ 84,054,000 $ 118,000 $ 48,000
Orange County California 623 $ 206,293,000 $ 331,000 $ 180,000
Clayton County Georgia 578 $ 70,533,000 $ 122,000 $ 58,000
Queens County New York 575 $ 123,137,000 $ 214,000 $ 75,000
Suffolk County New York 567 $ 117,971,000 $ 208,000 $ 81,000
Pinellas County Florida 483 $ 68,562,000 $ 141,000 $ 59,000
Bexar County Texas 481 $ 50,633,000 $ 105,000 $ 50,000
Rockdale County Georgia 439 $ 57,959,000 $ 132,000 $ 60,000
Essex County New Jersey 396 $ 72,433,000 $ 182,000 $ 69,000
Kings County New York 395 $ 87,899,000 $ 222,000 $ 78,000
Hillsborough County Florida 383 $ 59,839,000 $ 156,000 $ 73,000
Fairfield County Connecticut 375 $ 75,993,000 $ 202,000 $ 77,000
Cherokee County Georgia 352 $ 44,860,000 $ 127,000 $ 57,000
Bergen County New Jersey 343 $ 80,569,000 $ 234,000 $ 92,000
New Haven County Connecticut 337 $ 51,714,000 $ 153,000 $ 66,000
Passaic County New Jersey 323 $ 62,409,000 $ 193,000 $ 73,000
Wayne County Michigan 312 $ 36,396,000 $ 116,000 $ 47,000
San Diego County California 308 $ 91,870,000 $ 298,000 $ 118,000
Hudson County New Jersey 303 $ 60,923,000 $ 201,000 $ 73,000
Coweta County Georgia 296 $ 35,525,000 $ 120,000 $ 55,000
Union County New Jersey 294 $ 55,340,000 $ 188,000 $ 68,000
Middlesex County New Jersey 292 $ 53,557,000 $ 183,000 $ 76,000
Ocean County New Jersey 287 $ 45,253,000 $ 157,000 $ 73,000
Riverside County California 279 $ 54,253,000 $ 194,000 $ 104,000
Forsyth County Georgia 270 $ 44,638,000 $ 165,000 $ 71,000
Nassau County New York 268 $ 65,242,000 $ 243,000 $ 88,000
Walton County Georgia 258 $ 34,710,000 $ 134,000 $ 63,000
San Bernardino County California 241 $ 38,965,000 $ 161,000 $ 93,000
Mecklenburg County North Carolina 232 $ 30,551,000 $ 131,000 $ 59,000
Fayette County Georgia 231 $ 36,904,000 $ 159,000 $ 67,000
Bronx County New York 221 $ 46,986,000 $ 212,000 $ 76,000
Pasco County Florida 218 $ 23,868,000 $ 109,000 $ 54,000
Paulding County Georgia 212 $ 25,755,000 $ 121,000 $ 56,000
Douglas County Georgia 195 $ 24,792,000 $ 127,000 $ 51,000
Monmouth County New Jersey 184 $ 41,453,000 $ 225,000 $ 85,000
Morris County New Jersey 184 $ 39,866,000 $ 216,000 $ 84,000
Ventura County California 166 $ 42,904,000 $ 258,000 $ 109,000
El Paso County Colorado 159 $ 24,350,000 $ 153,000 $ 52,000
Hartford County Connecticut 156 $ 22,457,000 $ 143,000 $ 66,000
Burlington County New Jersey 153 $ 22,011,000 $ 143,000 $ 62,000
Clark County Nevada 150 $ 22,392,000 $ 149,000 $ 79,000
Travis County Texas 150 $ 26,802,000 $ 178,000 $ 73,000
Orange County New York 142 $ 24,351,000 $ 171,000 $ 72,000
Barrow County Georgia 139 $ 15,047,000 $ 108,000 $ 46,000
Camden County New Jersey 138 $ 16,018,000 $ 116,000 $ 56,000
Sarasota County Florida 136 $ 22,571,000 $ 165,000 $ 79,000
Atlantic County New Jersey 135 $ 19,892,000 $ 147,000 $ 71,000
Sussex County New Jersey 122 $ 21,653,000 $ 177,000 $ 58,000
Plymouth County Massachusetts 114 $ 21,486,000 $ 188,000 $ 60,000
Rockland County New York 113 $ 27,410,000 $ 242,000 $ 100,000
Oakland County Michigan 110 $ 19,193,000 $ 174,000 $ 64,000
Dallas County Texas 106 $ 14,563,000 $ 137,000 $ 65,000
Prince George's County Maryland 104 $ 16,694,000 $ 160,000 $ 63,000
Westchester County New York 102 $ 23,706,000 $ 232,000 $ 88,000
Cuyahoga County Ohio 101 $ 11,868,000 $ 117,000 $ 62,000
Richmond County New York 100 $ 19,885,000 $ 198,000 $ 69,000
Maricopa County Arizona 97 $ 13,959,000 $ 143,000 $ 78,000
Mercer County New Jersey 92 $ 14,589,000 $ 158,000 $ 80,000
Santa Clara County California 91 $ 30,662,000 $ 336,000 $ 116,000
Litchfield County Connecticut 90 $ 17,288,000 $ 192,000 $ 71,000
Gloucester County New Jersey 89 $ 11,489,000 $ 129,000 $ 72,000
Cook County Illinois 86 $ 18,668,000 $ 217,000 $ 93,000
Monroe County Pennsylvania 86 $ 11,430,000 $ 132,000 $ 75,000
Spalding County Georgia 85 $ 8,938,000 $ 105,000 $ 51,000
Middlesex County Massachusetts 85 $ 21,039,000 $ 247,000 $ 82,000
Suffolk County Massachusetts 85 $ 20,656,000 $ 243,000 $ 83,000
Dutchess County New York 79 $ 13,339,000 $ 168,000 $ 76,000
Norfolk County Massachusetts 76 $ 17,835,000 $ 234,000 $ 74,000
Somerset County New Jersey 76 $ 21,436,000 $ 282,000 $ 104,000
Baltimore County Maryland 74 $ 9,901,000 $ 133,000 $ 67,000
Monroe County New York 73 $ 5,978,000 $ 81,000 $ 57,000
Lapeer County Michigan 72 $ 9,589,000 $ 133,000 $ 43,000
Manatee County Florida 71 $ 11,676,000 $ 164,000 $ 110,000
Philadelphia County Pennsylvania 71 $ 5,838,000 $ 82,000 $ 66,000
Hall County Georgia 69 $ 9,949,000 $ 144,000 $ 51,000
Worcester County Massachusetts 68 $ 11,395,000 $ 167,000 $ 58,000
Bristol County Massachusetts 67 $ 11,008,000 $ 164,000 $ 62,000
Erie County New York 65 $ 5,906,000 $ 90,000 $ 56,000
Providence County Rhode Island 65 $ 10,047,000 $ 154,000 $ 57,000
Franklin County Ohio 61 $ 7,625,000 $ 125,000 $ 52,000
Contra Costa County California 60 $ 19,554,000 $ 325,000 $ 104,000
Essex County Massachusetts 57 $ 11,559,000 $ 202,000 $ 66,000
Kent County Michigan 57 $ 8,117,000 $ 142,000 $ 58,000
Jefferson County Colorado 56 $ 9,422,000 $ 168,000 $ 81,000
Palm Beach County Florida 55 $ 9,847,000 $ 179,000 $ 89,000
Charlotte County Florida 52 $ 5,590,000 $ 107,000 $ 49,000
Hamilton County Ohio 52 $ 8,317,000 $ 159,000 $ 53,000
Harris County Texas 52 $ 7,046,000 $ 135,000 $ 77,000
San Luis Obispo County California 51 $ 11,565,000 $ 226,000 $ 87,000
New York County New York 51 $ 12,940,000 $ 253,000 $ 90,000
Ulster County New York 51 $ 6,255,000 $ 122,000 $ 58,000
San Mateo County California 49 $ 17,494,000 $ 357,000 $ 171,000
Denver County Colorado 49 $ 8,183,000 $ 167,000 $ 78,000
Jackson County Missouri 48 $ 4,882,000 $ 101,000 $ 37,000
Tarrant County Texas 48 $ 6,306,000 $ 131,000 $ 55,000
San Francisco County California 47 $ 18,435,000 $ 392,000 $ 159,000
Baltimore City County Maryland 47 $ 3,547,000 $ 75,000 $ 29,000
Bartow County Georgia 46 $ 4,806,000 $ 104,000 $ 69,000
Carroll County Georgia 46 $ 5,305,000 $ 115,000 $ 41,000
Boulder County Colorado 44 $ 9,614,000 $ 218,000 $ 96,000
New London County Connecticut 44 $ 5,845,000 $ 132,000 $ 61,000
Wake County North Carolina 44 $ 6,368,000 $ 144,000 $ 82,000
Comal County Texas 44 $ 4,964,000 $ 112,000 $ 74,000
Pima County Arizona 43 $ 6,393,000 $ 148,000 $ 92,000
Warren County New Jersey 43 $ 6,357,000 $ 147,000 $ 71,000
Fairfax County Virginia 43 $ 9,737,000 $ 226,000 $ 75,000
Alameda County California 42 $ 10,554,000 $ 251,000 $ 98,000
Clarke County Georgia 42 $ 5,238,000 $ 124,000 $ 63,000
Cape May County New Jersey 42 $ 5,025,000 $ 119,000 $ 69,000
Jasper County Georgia 41 $ 4,485,000 $ 109,000 $ 45,000
Montgomery County Maryland 41 $ 10,193,000 $ 248,000 $ 105,000
King County Washington 40 $ 9,422,000 $ 235,000 $ 78,000
Cabarrus County North Carolina 39 $ 5,040,000 $ 129,000 $ 47,000
York County South Carolina 39 $ 4,894,000 $ 125,000 $ 40,000
Barnstable County Massachusetts 38 $ 7,823,000 $ 205,000 $ 76,000
Hampden County Massachusetts 38 $ 5,021,000 $ 132,000 $ 55,000
Williamson County Texas 38 $ 4,130,000 $ 108,000 $ 50,000
Duval County Florida 36 $ 4,221,000 $ 117,000 $ 55,000
Fayette County Kentucky 36 $ 3,907,000 $ 108,000 $ 47,000
Okaloosa County Florida 35 $ 5,168,000 $ 147,000 $ 93,000
Richland County South Carolina 35 $ 3,485,000 $ 99,000 $ 51,000
Genesee County Michigan 34 $ 3,963,000 $ 116,000 $ 32,000
Marion County Indiana 33 $ 3,712,000 $ 112,000 $ 37,000
Macomb County Michigan 33 $ 6,120,000 $ 185,000 $ 72,000
Ellis County Texas 33 $ 6,803,000 $ 206,000 $ 129,000
Guadalupe County Texas 33 $ 3,933,000 $ 119,000 $ 34,000
Butts County Georgia 32 $ 3,554,000 $ 111,000 $ 52,000
Hernando County Florida 31 $ 2,665,000 $ 85,000 $ 51,000
Cumberland County New Jersey 31 $ 3,117,000 $ 100,000 $ 55,000
Putnam County New York 31 $ 5,681,000 $ 183,000 $ 94,000
Shelby County Tennessee 31 $ 3,226,000 $ 104,000 $ 45,000
Kern County California 30 $ 3,578,000 $ 119,000 $ 101,000
Orange County Florida 30 $ 4,365,000 $ 145,000 $ 53,000
Greene County Georgia 30 $ 8,394,000 $ 279,000 $ 186,000
Santa Barbara County California 29 $ 10,795,000 $ 372,000 $ 153,000
New Castle County Delaware 29 $ 3,944,000 $ 136,000 $ 72,000
Gordon County Georgia 29 $ 3,348,000 $ 115,000 $ 53,000
St. Clair County Illinois 28 $ 2,466,000 $ 88,000 $ 52,000
Sacramento County California 26 $ 4,661,000 $ 179,000 $ 100,000
Salem County New Jersey 26 $ 3,068,000 $ 118,000 $ 50,000
Fresno County California 25 $ 3,662,000 $ 146,000 $ 83,000
Adams County Colorado 25 $ 3,122,000 $ 124,000 $ 120,000
Jackson County Georgia 25 $ 4,042,000 $ 161,000 $ 50,000
Bucks County Pennsylvania 25 $ 4,633,000 $ 185,000 $ 75,000
Montgomery County Pennsylvania 25 $ 4,024,000 $ 160,000 $ 80,000
Pike County Pennsylvania 25 $ 2,996,000 $ 119,000 $ 54,000
Baldwin County Alabama 24 $ 3,915,000 $ 163,000 $ 78,000
Morgan County Georgia 24 $ 3,787,000 $ 157,000 $ 75,000
Johnson County Kansas 24 $ 2,898,000 $ 120,000 $ 46,000
Clay County Missouri 24 $ 3,532,000 $ 147,000 $ 50,000
Middlesex County Connecticut 23 $ 4,210,000 $ 183,000 $ 84,000
Windham County Connecticut 23 $ 3,078,000 $ 133,000 $ 60,000
Lycoming County Pennsylvania 23 $ 1,959,000 $ 85,000 $ 39,000
Douglas County Colorado 22 $ 3,874,000 $ 176,000 $ 92,000
Polk County Florida 22 $ 2,659,000 $ 120,000 $ 54,000
Floyd County Georgia 22 $ 2,536,000 $ 115,000 $ 81,000
Putnam County Georgia 22 $ 4,869,000 $ 221,000 $ 179,000
Snohomish County Washington 22 $ 4,656,000 $ 211,000 $ 149,000
Broward County Florida 21 $ 4,210,000 $ 200,000 $ 138,000
Volusia County Florida 21 $ 2,083,000 $ 99,000 $ 60,000
Harford County Maryland 21 $ 2,911,000 $ 138,000 $ 53,000
Albany County New York 21 $ 2,804,000 $ 133,000 $ 67,000
Arapahoe County Colorado 20 $ 4,751,000 $ 237,000 $ 101,000
Bay County Florida 20 $ 4,403,000 $ 220,000 $ 219,000
Miami-Dade County Florida 20 $ 5,010,000 $ 250,000 $ 153,000
Osceola County Florida 20 $ 2,273,000 $ 113,000 $ 75,000
Sullivan County New York 20 $ 2,654,000 $ 132,000 $ 63,000
Johnson County Texas 20 $ 1,805,000 $ 90,000 $ 49,000
Pulaski County Arkansas 19 $ 1,404,000 $ 73,000 $ 33,000
Lamar County Georgia 19 $ 2,696,000 $ 141,000 $ 91,000
Wilson County Texas 19 $ 2,293,000 $ 120,000 $ 49,000
Prince William County Virginia 19 $ 3,663,000 $ 192,000 $ 68,000
Hunterdon County New Jersey 18 $ 3,644,000 $ 202,000 $ 102,000
Walton County Florida 17 $ 2,112,000 $ 124,000 $ 91,000
Orleans County Louisiana 17 $ 2,883,000 $ 169,000 $ 88,000
Douglas County Nebraska 17 $ 1,518,000 $ 89,000 $ 52,000
Chester County Pennsylvania 17 $ 2,835,000 $ 166,000 $ 64,000
Monterey County California 16 $ 8,448,000 $ 528,000 $ 250,000
Napa County California 16 $ 5,983,000 $ 373,000 $ 157,000
Oconee County Georgia 16 $ 3,194,000 $ 199,000 $ 194,000
Anne Arundel County Maryland 16 $ 2,367,000 $ 147,000 $ 27,000
Carroll County Maryland 16 $ 2,671,000 $ 166,000 $ 43,000
Saratoga County New York 16 $ 2,084,000 $ 130,000 $ 66,000
Logan County Ohio 16 $ 1,422,000 $ 88,000 $ 54,000
Summit County Ohio 16 $ 1,995,000 $ 124,000 $ 70,000
Davidson County Tennessee 16 $ 2,464,000 $ 154,000 $ 85,000
Collin County Texas 16 $ 2,296,000 $ 143,000 $ 57,000
Hays County Texas 16 $ 2,301,000 $ 143,000 $ 80,000
Mohave County Arizona 15 $ 1,541,000 $ 102,000 $ 81,000
Stanislaus County California 15 $ 2,206,000 $ 147,000 $ 70,000
Jefferson County Louisiana 15 $ 1,362,000 $ 90,000 $ 61,000
Howard County Maryland 15 $ 3,136,000 $ 209,000 $ 128,000
Tolland County Connecticut 14 $ 2,029,000 $ 144,000 $ 55,000
Tuscola County Michigan 14 $ 1,448,000 $ 103,000 $ 46,000
Niagara County New York 14 $ 1,366,000 $ 97,000 $ 56,000
Butler County Ohio 14 $ 1,742,000 $ 124,000 $ 38,000
Allegheny County Pennsylvania 14 $ 1,165,000 $ 83,000 $ 39,000
Horry County South Carolina 14 $ 2,155,000 $ 153,000 $ 112,000
Nueces County Texas 14 $ 1,146,000 $ 81,000 $ 49,000
Madison County Alabama 13 $ 1,075,000 $ 82,000 $ 47,000
Lee County Florida 13 $ 2,502,000 $ 192,000 $ 86,000
Bibb County Georgia 13 $ 1,169,000 $ 89,000 $ 56,000
Fannin County Georgia 13 $ 1,251,000 $ 96,000 $ 110,000
Pickens County Georgia 13 $ 1,827,000 $ 140,000 $ 110,000
DuPage County Illinois 13 $ 2,092,000 $ 160,000 $ 89,000
Lake County Illinois 13 $ 2,882,000 $ 221,000 $ 73,000
Allen County Indiana 13 $ 1,693,000 $ 130,000 $ 28,000
Union County North Carolina 13 $ 1,785,000 $ 137,000 $ 83,000
Delaware County Pennsylvania 13 $ 1,520,000 $ 116,000 $ 59,000
Lackawanna County Pennsylvania 13 $ 1,032,000 $ 79,000 $ 90,000
Pierce County Washington 13 $ 2,179,000 $ 167,000 $ 73,000
Weld County Colorado 12 $ 1,916,000 $ 159,000 $ 58,000
Stephens County Georgia 12 $ 1,142,000 $ 95,000 $ 36,000
St. Clair County Michigan 12 $ 2,403,000 $ 200,000 $ 57,000
St. Louis County Missouri 12 $ 1,320,000 $ 110,000 $ 51,000
Schenectady County New York 12 $ 943,000 $ 78,000 $ 64,000
Lake County Ohio 12 $ 1,929,000 $ 160,000 $ 45,000
Tulsa County Oklahoma 12 $ 1,083,000 $ 90,000 $ 52,000
Beaufort County South Carolina 12 $ 4,140,000 $ 345,000 $ 245,000
Charleston County South Carolina 12 $ 2,183,000 $ 181,000 $ 77,000
El Dorado County California 11 $ 4,197,000 $ 381,000 $ 64,000
Polk County Iowa 11 $ 1,571,000 $ 142,000 $ 70,000
Scott County Kentucky 11 $ 884,000 $ 80,000 $ 64,000
Frederick County Maryland 11 $ 1,530,000 $ 139,000 $ 54,000
Iredell County North Carolina 11 $ 1,885,000 $ 171,000 $ 57,000
Adams County Ohio 11 $ 680,000 $ 61,000 $ 26,000
Oklahoma County Oklahoma 11 $ 967,000 $ 87,000 $ 57,000
Lehigh County Pennsylvania 11 $ 956,000 $ 86,000 $ 59,000
Northampton County Pennsylvania 11 $ 1,209,000 $ 109,000 $ 49,000
Kent County Rhode Island 11 $ 1,667,000 $ 151,000 $ 47,000
Denton County Texas 11 $ 1,932,000 $ 175,000 $ 44,000
Jefferson County Alabama 10 $ 1,871,000 $ 187,000 $ 93,000
San Joaquin County California 10 $ 1,732,000 $ 173,000 $ 66,000
Brevard County Florida 10 $ 1,986,000 $ 198,000 $ 84,000
Citrus County Florida 10 $ 817,000 $ 81,000 $ 70,000
Collier County Florida 10 $ 2,200,000 $ 220,000 $ 71,000
Gilmer County Georgia 10 $ 1,412,000 $ 141,000 $ 81,000
Hart County Georgia 10 $ 2,123,000 $ 212,000 $ 182,000
Meriwether County Georgia 10 $ 1,091,000 $ 109,000 $ 55,000
Berkshire County Massachusetts 10 $ 1,266,000 $ 126,000 $ 52,000
Hampshire County Massachusetts 10 $ 1,438,000 $ 143,000 $ 55,000
Herkimer County New York 10 $ 727,000 $ 72,000 $ 44,000
Onondaga County New York 10 $ 1,002,000 $ 100,000 $ 54,000
Rensselaer County New York 10 $ 928,000 $ 92,000 $ 75,000
Clermont County Ohio 10 $ 1,225,000 $ 122,000 $ 23,000
Hardin County Ohio 10 $ 629,000 $ 62,000 $ 32,000
Lorain County Ohio 10 $ 1,249,000 $ 124,000 $ 30,000
Montgomery County Ohio 10 $ 1,095,000 $ 109,000 $ 37,000
Carbon County Pennsylvania 10 $ 1,077,000 $ 107,000 $ 48,000
Kaufman County Texas 10 $ 1,054,000 $ 105,000 $ 46,000
Virginia Beach County Virginia 10 $ 1,433,000 $ 143,000 $ 14,000
Kitsap County Washington 10 $ 1,178,000 $ 117,000 $ 66,000
Shelby County Alabama 9 $ 1,052,000 $ 116,000 $ 83,000
Sonoma County California 9 $ 2,118,000 $ 235,000 $ 107,000
Larimer County Colorado 9 $ 1,332,000 $ 148,000 $ 75,000
Glynn County Georgia 9 $ 1,995,000 $ 221,000 $ 80,000
Flathead County Montana 9 $ 1,827,000 $ 203,000 $ 97,000
Chemung County New York 9 $ 811,000 $ 90,000 $ 46,000
Ontario County New York 9 $ 1,065,000 $ 118,000 $ 62,000
Oswego County New York 9 $ 848,000 $ 94,000 $ 53,000
Wayne County New York 9 $ 845,000 $ 93,000 $ 56,000
Burnet County Texas 9 $ 3,339,000 $ 371,000 $ 449,000
Fort Bend County Texas 9 $ 1,396,000 $ 155,000 $ 66,000
Medina County Texas 9 $ 940,000 $ 104,000 $ 58,000
Mobile County Alabama 8 $ 902,000 $ 112,000 $ 67,000
Yavapai County Arizona 8 $ 1,025,000 $ 128,000 $ 118,000
Sebastian County Arkansas 8 $ 1,315,000 $ 164,000 $ 94,000
Solano County California 8 $ 2,046,000 $ 255,000 $ 99,000
Grand County Colorado 8 $ 1,321,000 $ 165,000 $ 85,000
Leon County Florida 8 $ 1,001,000 $ 125,000 $ 50,000
Marion County Florida 8 $ 879,000 $ 109,000 $ 79,000
St. Johns County Florida 8 $ 2,332,000 $ 291,000 $ 138,000
Hamilton County Indiana 8 $ 1,344,000 $ 168,000 $ 26,000
Jefferson County Kentucky 8 $ 904,000 $ 113,000 $ 33,000
Cecil County Maryland 8 $ 1,043,000 $ 130,000 $ 47,000
Charles County Maryland 8 $ 1,349,000 $ 168,000 $ 66,000
Allegan County Michigan 8 $ 1,221,000 $ 152,000 $ 58,000
Barry County Michigan 8 $ 814,000 $ 101,000 $ 35,000
Muskegon County Michigan 8 $ 668,000 $ 83,000 $ 29,000
Ottawa County Michigan 8 $ 950,000 $ 118,000 $ 45,000
Washtenaw County Michigan 8 $ 1,417,000 $ 177,000 $ 92,000
Santa Fe County New Mexico 8 $ 3,350,000 $ 418,000 $ 96,000
Chautauqua County New York 8 $ 615,000 $ 76,000 $ 33,000
Mahoning County Ohio 8 $ 549,000 $ 68,000 $ 16,000
Columbia County Pennsylvania 8 $ 713,000 $ 89,000 $ 51,000
Luzerne County Pennsylvania 8 $ 799,000 $ 99,000 $ 45,000
Washington County Rhode Island 8 $ 1,848,000 $ 231,000 $ 152,000
Hamilton County Tennessee 8 $ 999,000 $ 124,000 $ 59,000
Bastrop County Texas 8 $ 813,000 $ 101,000 $ 54,000
Lubbock County Texas 8 $ 980,000 $ 122,000 $ 142,000
Pinal County Arizona 7 $ 1,041,000 $ 148,000 $ 64,000
Montrose County Colorado 7 $ 661,000 $ 94,000 $ 99,000
Clay County Florida 7 $ 1,078,000 $ 154,000 $ 69,000
Chatham County Georgia 7 $ 2,048,000 $ 292,000 $ 182,000
Dawson County Georgia 7 $ 1,665,000 $ 237,000 $ 64,000
Kane County Illinois 7 $ 1,160,000 $ 165,000 $ 80,000
Monroe County Michigan 7 $ 1,283,000 $ 183,000 $ 51,000
Jackson County Mississippi 7 $ 603,000 $ 86,000 $ 38,000
Rockingham County New Hampshire 7 $ 1,342,000 $ 191,000 $ 65,000
Columbia County New York 7 $ 860,000 $ 122,000 $ 66,000
Delaware County New York 7 $ 833,000 $ 119,000 $ 50,000
Macon County North Carolina 7 $ 2,775,000 $ 396,000 $ 378,000
Licking County Ohio 7 $ 830,000 $ 118,000 $ 28,000
Portage County Ohio 7 $ 1,043,000 $ 149,000 $ 56,000
Warren County Ohio 7 $ 1,557,000 $ 222,000 $ 91,000
Beaver County Pennsylvania 7 $ 602,000 $ 86,000 $ 46,000
Bristol County Rhode Island 7 $ 1,098,000 $ 156,000 $ 76,000
Atascosa County Texas 7 $ 667,000 $ 95,000 $ 57,000
Parker County Texas 7 $ 589,000 $ 84,000 $ 51,000
Baldwin County Georgia 6 $ 760,000 $ 126,000 $ 98,000
Hancock County Georgia 6 $ 620,000 $ 103,000 $ 89,000
Houston County Georgia 6 $ 823,000 $ 137,000 $ 91,000
Lumpkin County Georgia 6 $ 915,000 $ 152,000 $ 54,000
Monroe County Georgia 6 $ 531,000 $ 88,000 $ 40,000
Muscogee County Georgia 6 $ 670,000 $ 111,000 $ 74,000
Union County Georgia 6 $ 646,000 $ 107,000 $ 132,000
Upson County Georgia 6 $ 456,000 $ 76,000 $ 54,000
Will County Illinois 6 $ 757,000 $ 126,000 $ 73,000
Hendricks County Indiana 6 $ 759,000 $ 126,000 $ 40,000
Johnson County Indiana 6 $ 729,000 $ 121,000 $ 29,000
Lake County Indiana 6 $ 631,000 $ 105,000 $ 52,000
Kenton County Kentucky 6 $ 787,000 $ 131,000 $ 41,000
Grand Traverse County Michigan 6 $ 708,000 $ 118,000 $ 27,000
Hillsdale County Michigan 6 $ 536,000 $ 89,000 $ 57,000
Hennepin County Minnesota 6 $ 1,006,000 $ 167,000 $ 44,000
Greene County New York 6 $ 932,000 $ 155,000 $ 69,000
Oneida County New York 6 $ 382,000 $ 63,000 $ 46,000
Gaston County North Carolina 6 $ 725,000 $ 120,000 $ 18,000
Guilford County North Carolina 6 $ 832,000 $ 138,000 $ 76,000
Richland County Ohio 6 $ 321,000 $ 53,000 $ 44,000
Cleveland County Oklahoma 6 $ 459,000 $ 76,000 $ 43,000
Marion County Oregon 6 $ 612,000 $ 102,000 $ 116,000
Multnomah County Oregon 6 $ 1,498,000 $ 249,000 $ 71,000
Wayne County Pennsylvania 6 $ 727,000 $ 121,000 $ 40,000
Anderson County South Carolina 6 $ 677,000 $ 112,000 $ 60,000
Lexington County South Carolina 6 $ 552,000 $ 92,000 $ 54,000
Oconee County South Carolina 6 $ 1,463,000 $ 243,000 $ 179,000
Hampton County Virginia 6 $ 581,000 $ 96,000 $ 55,000
Loudoun County Virginia 6 $ 1,433,000 $ 238,000 $ 118,000
Tuscaloosa County Alabama 5 $ 499,000 $ 99,000 $ 43,000
Marin County California 5 $ 2,442,000 $ 488,000 $ 150,000
Merced County California 5 $ 908,000 $ 181,000 $ 16,000
Pueblo County Colorado 5 $ 853,000 $ 170,000 $ 50,000
Teller County Colorado 5 $ 1,288,000 $ 257,000 $ 140,000
DeSoto County Florida 5 $ 532,000 $ 106,000 $ 71,000
Monroe County Florida 5 $ 1,691,000 $ 338,000 $ 370,000
Nassau County Florida 5 $ 602,000 $ 120,000 $ 131,000
Seminole County Florida 5 $ 659,000 $ 131,000 $ 76,000
Lowndes County Georgia 5 $ 573,000 $ 114,000 $ 110,000
Towns County Georgia 5 $ 1,033,000 $ 206,000 $ 190,000
Troup County Georgia 5 $ 728,000 $ 145,000 $ 68,000
Honolulu County Hawaii 5 $ 2,348,000 $ 469,000 $ 324,000
Wyandotte County Kansas 5 $ 384,000 $ 76,000 $ 38,000
Campbell County Kentucky 5 $ 602,000 $ 120,000 $ 34,000
Washington County Maryland 5 $ 496,000 $ 99,000 $ 18,000
Ionia County Michigan 5 $ 534,000 $ 106,000 $ 38,000
Kalamazoo County Michigan 5 $ 708,000 $ 141,000 $ 51,000
Newaygo County Michigan 5 $ 728,000 $ 145,000 $ 45,000
Hillsborough County New Hampshire 5 $ 836,000 $ 167,000 $ 64,000
Essex County New York 5 $ 570,000 $ 114,000 $ 75,000
Onslow County North Carolina 5 $ 286,000 $ 57,000 $ 26,000
Stark County Ohio 5 $ 861,000 $ 172,000 $ 138,000
Trumbull County Ohio 5 $ 395,000 $ 79,000 $ 86,000
Washington County Oregon 5 $ 892,000 $ 178,000 $ 92,000
Butler County Pennsylvania 5 $ 771,000 $ 154,000 $ 83,000
Cumberland County Pennsylvania 5 $ 593,000 $ 118,000 $ 96,000
Blanco County Texas 5 $ 529,000 $ 105,000 $ 41,000
Galveston County Texas 5 $ 936,000 $ 187,000 $ 80,000
Refugio County Texas 5 $ 276,000 $ 55,000 $ 40,000
Clark County Washington 5 $ 663,000 $ 132,000 $ 78,000
Whatcom County Washington 5 $ 849,000 $ 169,000 $ 61,000
Kanawha County West Virginia 5 $ 289,000 $ 57,000 $ 44,000
Clarke County Alabama 4 $ 327,000 $ 81,000 $ 24,000
Kings County California 4 $ 309,000 $ 77,000 $ 118,000
Summit County Colorado 4 $ 1,514,000 $ 378,000 $ 422,000
Escambia County Florida 4 $ 722,000 $ 180,000 $ 56,000
Franklin County Florida 4 $ 1,930,000 $ 482,000 $ 203,000
Lake County Florida 4 $ 560,000 $ 140,000 $ 65,000
St. Lucie County Florida 4 $ 529,000 $ 132,000 $ 87,000
Richmond County Georgia 4 $ 312,000 $ 78,000 $ 58,000
White County Georgia 4 $ 307,000 $ 76,000 $ 154,000
LaSalle County Illinois 4 $ 226,000 $ 56,000 $ 87,000
Winnebago County Illinois 4 $ 290,000 $ 72,000 $ 49,000
Boone County Kentucky 4 $ 423,000 $ 105,000 $ 27,000
Calvert County Maryland 4 $ 852,000 $ 213,000 $ 49,000
Worcester County Maryland 4 $ 473,000 $ 118,000 $ 82,000
Franklin County Massachusetts 4 $ 649,000 $ 162,000 $ 43,000
Berrien County Michigan 4 $ 450,000 $ 112,000 $ 59,000
Calhoun County Michigan 4 $ 421,000 $ 105,000 $ 34,000
Ingham County Michigan 4 $ 464,000 $ 116,000 $ 57,000
Saginaw County Michigan 4 $ 391,000 $ 97,000 $ 54,000
Madison County Mississippi 4 $ 698,000 $ 174,000 $ 121,000
Lincoln County Missouri 4 $ 447,000 $ 111,000 $ 46,000
Texas County Missouri 4 $ 233,000 $ 58,000 $ 24,000
Cayuga County New York 4 $ 348,000 $ 87,000 $ 46,000
Chenango County New York 4 $ 436,000 $ 109,000 $ 54,000
St. Lawrence County New York 4 $ 281,000 $ 70,000 $ 86,000
Steuben County New York 4 $ 263,000 $ 65,000 $ 48,000
Cumberland County North Carolina 4 $ 419,000 $ 104,000 $ 40,000
Forsyth County North Carolina 4 $ 486,000 $ 121,000 $ 61,000
New Hanover County North Carolina 4 $ 581,000 $ 145,000 $ 84,000
Brown County Ohio 4 $ 300,000 $ 75,000 $ 24,000
Clark County Ohio 4 $ 293,000 $ 73,000 $ 46,000
Delaware County Ohio 4 $ 864,000 $ 216,000 $ 94,000
Lane County Oregon 4 $ 412,000 $ 103,000 $ 42,000
Clinton County Pennsylvania 4 $ 301,000 $ 75,000 $ 46,000
Schuylkill County Pennsylvania 4 $ 329,000 $ 82,000 $ 49,000
Venango County Pennsylvania 4 $ 221,000 $ 55,000 $ 34,000
Westmoreland County Pennsylvania 4 $ 237,000 $ 59,000 $ 34,000
York County Pennsylvania 4 $ 363,000 $ 90,000 $ 36,000
Dorchester County South Carolina 4 $ 436,000 $ 109,000 $ 36,000
Greenville County South Carolina 4 $ 594,000 $ 148,000 $ 59,000
Kershaw County South Carolina 4 $ 687,000 $ 171,000 $ 75,000
Kendall County Texas 4 $ 954,000 $ 238,000 $ 94,000
Montgomery County Texas 4 $ 388,000 $ 97,000 $ 31,000
Smith County Texas 4 $ 223,000 $ 55,000 $ 54,000
Wise County Texas 4 $ 339,000 $ 84,000 $ 38,000
Windham County Vermont 4 $ 1,029,000 $ 257,000 $ 112,000
Alexandria County Virginia 4 $ 928,000 $ 232,000 $ 101,000
Fauquier County Virginia 4 $ 850,000 $ 212,000 $ 140,000
Stafford County Virginia 4 $ 660,000 $ 165,000 $ 62,000
Chambers County Alabama 3 $ 469,000 $ 156,000 $ 120,000
Lee County Alabama 3 $ 275,000 $ 91,000 $ 130,000
Russell County Alabama 3 $ 216,000 $ 72,000 $ 23,000
Butte County California 3 $ 397,000 $ 132,000 $ 112,000
Nevada County California 3 $ 369,000 $ 123,000 $ 61,000
Placer County California 3 $ 654,000 $ 218,000 $ 61,000
Santa Cruz County California 3 $ 1,790,000 $ 596,000 $ 619,000
Eagle County Colorado 3 $ 2,174,000 $ 724,000 $ 465,000
Sussex County Delaware 3 $ 1,406,000 $ 468,000 $ 300,000
Flagler County Florida 3 $ 349,000 $ 116,000 $ 62,000
Gulf County Florida 3 $ 316,000 $ 105,000 $ 68,000
Indian River County Florida 3 $ 793,000 $ 264,000 $ 183,000
Camden County Georgia 3 $ 228,000 $ 76,000 $ 48,000
Early County Georgia 3 $ 103,000 $ 34,000 $ 59,000
Habersham County Georgia 3 $ 835,000 $ 278,000 $ 22,000
Harris County Georgia 3 $ 246,000 $ 82,000 $ 53,000
Heard County Georgia 3 $ 285,000 $ 95,000 $ 69,000
Polk County Georgia 3 $ 348,000 $ 116,000 $ 57,000
Rabun County Georgia 3 $ 439,000 $ 146,000 $ 146,000
Pike County Indiana 3 $ 248,000 $ 82,000 $ 45,000
Breathitt County Kentucky 3 $ 282,000 $ 94,000 $ 66,000
Madison County Kentucky 3 $ 322,000 $ 107,000 $ 21,000
Nelson County Kentucky 3 $ 421,000 $ 140,000 $ 48,000
Eaton County Michigan 3 $ 254,000 $ 84,000 $ 49,000
Livingston County Michigan 3 $ 618,000 $ 206,000 $ 47,000
Midland County Michigan 3 $ 276,000 $ 92,000 $ 47,000
Osceola County Michigan 3 $ 214,000 $ 71,000 $ 38,000
Wexford County Michigan 3 $ 281,000 $ 93,000 $ 14,000
Washington County Minnesota 3 $ 436,000 $ 145,000 $ 71,000
Harrison County Mississippi 3 $ 224,000 $ 74,000 $ 22,000
Lafayette County Missouri 3 $ 495,000 $ 165,000 $ 65,000
St. Louis City County Missouri 3 $ 362,000 $ 120,000 $ 65,000
Taney County Missouri 3 $ 422,000 $ 140,000 $ 75,000
Sarpy County Nebraska 3 $ 220,000 $ 73,000 $ 29,000
Strafford County New Hampshire 3 $ 450,000 $ 150,000 $ 86,000
Los Alamos County New Mexico 3 $ 810,000 $ 270,000 $ 172,000
Sandoval County New Mexico 3 $ 226,000 $ 75,000 $ 35,000
Allegany County New York 3 $ 133,000 $ 44,000 $ 20,000
Broome County New York 3 $ 200,000 $ 66,000 $ 47,000
Cortland County New York 3 $ 572,000 $ 190,000 $ 96,000
Fulton County New York 3 $ 306,000 $ 102,000 $ 37,000
Genesee County New York 3 $ 329,000 $ 109,000 $ 38,000
Madison County New York 3 $ 330,000 $ 110,000 $ 54,000
Orleans County New York 3 $ 212,000 $ 70,000 $ 45,000
Wyoming County New York 3 $ 138,000 $ 46,000 $ 67,000
Durham County North Carolina 3 $ 358,000 $ 119,000 $ 43,000
Haywood County North Carolina 3 $ 386,000 $ 128,000 $ 137,000
Lincoln County North Carolina 3 $ 239,000 $ 79,000 $ 35,000
Transylvania County North Carolina 3 $ 397,000 $ 132,000 $ 74,000
Ashtabula County Ohio 3 $ 340,000 $ 113,000 $ 22,000
Highland County Ohio 3 $ 213,000 $ 71,000 $ 15,000
Lucas County Ohio 3 $ 357,000 $ 119,000 $ 69,000
Medina County Ohio 3 $ 520,000 $ 173,000 $ 29,000
Miami County Ohio 3 $ 248,000 $ 82,000 $ 36,000
Polk County Oregon 3 $ 327,000 $ 109,000 $ 6,000
Dauphin County Pennsylvania 3 $ 333,000 $ 111,000 $ 39,000
Newport County Rhode Island 3 $ 357,000 $ 119,000 $ 69,000
Berkeley County South Carolina 3 $ 303,000 $ 101,000 $ 49,000
Sumter County South Carolina 3 $ 253,000 $ 84,000 $ 43,000
Montgomery County Tennessee 3 $ 286,000 $ 95,000 $ 21,000
Sevier County Tennessee 3 $ 882,000 $ 294,000 $ 182,000
Williamson County Tennessee 3 $ 1,005,000 $ 335,000 $ 196,000
Brazos County Texas 3 $ 357,000 $ 119,000 $ 131,000
El Paso County Texas 3 $ 272,000 $ 90,000 $ 18,000
Hood County Texas 3 $ 227,000 $ 75,000 $ 99,000
Liberty County Texas 3 $ 251,000 $ 83,000 $ 47,000
Llano County Texas 3 $ 523,000 $ 174,000 $ 583,000
McLennan County Texas 3 $ 621,000 $ 207,000 $ 32,000
Palo Pinto County Texas 3 $ 269,000 $ 89,000 $ 44,000
Arlington County Virginia 3 $ 531,000 $ 177,000 $ 60,000
Newport News County Virginia 3 $ 323,000 $ 107,000 $ 5,000
Richmond City County Virginia 3 $ 275,000 $ 91,000 $ 52,000
Island County Washington 3 $ 646,000 $ 215,000 $ 18,000
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Mortgage Loan Application Detail Totals for Opteum Financial Services Llc in 2003

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 (home purchase or home improvement, one-to-four family) 16,330 $3,108,143,000 $195,234 $2,000,000 $77,851 $3,423,000
Home Purchase (one-to-four family) 13,740 $1,997,136,000 $135,652 $6,338,000 $77,434 $2,893,000
Multifamily dwelling (home purchase, home improvement, and refinancings) 3 $415,000 $111,500 $205,000 $0 $0
Home Improvement (one-to-four family) 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 19,958 $3,472,909,000 $169,782 $2,000,000 $86,043 $3,423,000
Black 4,150 $604,314,000 $128,777 $1,885,000 $61,861 $2,800,000
Hispanic 2,552 $431,927,000 $128,593 $1,000,000 $54,906 $660,000
Information not provided by applicant in mail or telephone application 2,239 $352,931,000 $154,775 $6,338,000 $25,600 $1,900,000
Asian or Pacific Islander 729 $157,945,000 $170,000 $1,468,000 $93,468 $756,000
Other 347 $67,558,000 $200,529 $1,344,000 $90,588 $1,113,000
American Indian or Alaskan Native 57 $10,616,000 $153,555 $488,000 $69,666 $211,000
Not applicable 41 $7,494,000 $185,428 $450,000 $65,142 $167,000

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) 24,571 $4,387,604,000 $178,042 $6,338,000 $87,595 $3,423,000
FHA-insured (Federal Housing Administration) 4,998 $647,004,000 $119,794 $523,000 $38,923 $828,000
VA-guaranteed (Veterans Administration) 495 $70,028,000 $132,629 $275,000 $32,888 $152,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 9 $1,058,000 $114,500 $159,000 $41,500 $61,000

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 17,948 $2,971,968,000 $157,704 $2,000,000 $75,204 $2,800,000
Application Withdrawn By Applicant 6,236 $989,734,000 $150,636 $1,830,000 $60,181 $3,423,000
Application Approved But Not Accepted 4,336 $844,356,000 $175,295 $6,338,000 $73,136 $2,269,000
Application Denied By Financial Institution 1,424 $278,970,000 $166,261 $1,700,000 $83,142 $1,008,000
File Closed For Incompleteness 129 $20,666,000 $166,800 $800,000 $65,300 $781,000
Loan Purchased By The 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
Credit History 578 $114,477,000 $151,777 $1,468,000 $58,666 $724,000
Other 402 $85,286,000 $169,935 $1,700,000 $95,000 $1,008,000
Debt-To-Income Ratio 181 $26,518,000 $134,387 $740,000 $57,387 $351,000
Collateral 162 $31,133,000 $144,500 $900,000 $88,636 $605,000
Employment History 45 $7,384,000 $123,666 $780,000 $56,523 $672,000
Unverifiable Information 38 $9,751,000 $218,416 $984,000 $148,416 $756,000
Insufficient Cash (Downpayment, Closing Cost) 15 $3,783,000 $193,111 $1,000,000 $114,333 $542,000
Mortgage Insurance Denied 1 $310,000 $310,000 $310,000 $108,000 $108,000
Credit Application Incomplete 1 $138,000 $138,000 $138,000 $49,000 $49,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Opteum Financial Services Llc's 2003 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 Opteum Financial Services 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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