Opteum Financial Services LLC Mortgage Lending & HMDA Data, 2004
In 2004, Opteum Financial Services LLC of Paramus, NJ reported 36,776 mortgage applications totaling $6.3 billion, up 22% from 2003. The average application was for $170,036, and applicants reported an average income of $81,414. 59% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (12,050), Los Angeles-Long Beach-Glendale, CA (1,921) and Newark-Union, NJ-PA (1,370) (applications in parentheses).
| 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 | 36,776 |
| Total Mortgage Loan Application Amount | $6,253,269,000 |
| Average Mortgage Loan Application Amount | $170,036 |
| Highest Mortgage Loan Application Amount | $3,900,000 |
| Average Applicant Income | $81,414 |
| Highest Applicant Income | $8,511,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Opteum Financial Services LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 12,050 | $ 1,540,850,000 | $ 127,871 | $ 65,000 |
| Los Angeles-Long Beach-Glendale, CA | 1,921 | $ 489,995,000 | $ 255,072 | $ 114,000 |
| Newark-Union, NJ-PA | 1,370 | $ 272,198,000 | $ 198,684 | $ 82,000 |
| Riverside-San Bernardino-Ontario, CA | 1,296 | $ 250,528,000 | $ 193,308 | $ 105,000 |
| New York-Wayne-White Plains, NY-NJ | 1,261 | $ 295,449,000 | $ 234,297 | $ 86,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1,132 | $ 146,533,000 | $ 129,446 | $ 94,000 |
| Santa Ana-Anaheim-Irvine, CA | 1,072 | $ 349,190,000 | $ 325,736 | $ 129,000 |
| Edison, NJ | 1,023 | $ 208,475,000 | $ 203,787 | $ 86,000 |
| Nassau-Suffolk, NY | 781 | $ 185,971,000 | $ 238,119 | $ 91,000 |
| San Diego-Carlsbad-San Marcos, CA | 440 | $ 129,475,000 | $ 294,261 | $ 115,000 |
| Phoenix-Mesa-Scottsdale, AZ | 414 | $ 48,967,000 | $ 118,277 | $ 94,000 |
| Camden, NJ | 390 | $ 57,516,000 | $ 147,476 | $ 68,000 |
| Philadelphia, PA | 386 | $ 62,911,000 | $ 162,981 | $ 71,000 |
| Denver-Aurora, CO | 381 | $ 54,062,000 | $ 141,895 | $ 79,000 |
| Seattle-Bellevue-Everett, WA | 355 | $ 59,419,000 | $ 167,377 | $ 86,000 |
| Boston-Quincy, MA | 337 | $ 87,139,000 | $ 258,572 | $ 90,000 |
| Bridgeport-Stamford-Norwalk, CT | 337 | $ 72,841,000 | $ 216,145 | $ 76,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 332 | $ 91,215,000 | $ 274,743 | $ 112,000 |
| New Haven-Milford, CT | 321 | $ 49,214,000 | $ 153,314 | $ 69,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 227 | $ 35,601,000 | $ 156,832 | $ 70,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 224 | $ 35,051,000 | $ 156,477 | $ 77,000 |
| Oakland-Fremont-Hayward, CA | 211 | $ 58,504,000 | $ 277,270 | $ 144,000 |
| Detroit-Livonia-Dearborn, MI | 206 | $ 22,700,000 | $ 110,194 | $ 59,000 |
| Sarasota-Bradenton-Venice, FL | 205 | $ 42,575,000 | $ 207,682 | $ 86,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 204 | $ 37,603,000 | $ 184,328 | $ 83,000 |
| Las Vegas-Paradise, NV | 203 | $ 36,884,000 | $ 181,694 | $ 109,000 |
| Cleveland-Elyria-Mentor, OH | 186 | $ 18,729,000 | $ 100,693 | $ 58,000 |
| Hartford-West Hartford-East Hartford, CT | 184 | $ 27,820,000 | $ 151,195 | $ 73,000 |
| Chicago-Naperville-Joliet, IL | 181 | $ 31,361,000 | $ 173,265 | $ 64,000 |
| Charlotte-Gastonia-Concord, NC-SC | 176 | $ 18,823,000 | $ 106,948 | $ 55,000 |
| Albany-Schenectady-Troy, NY | 174 | $ 18,082,000 | $ 103,919 | $ 77,000 |
| Warren-Farmington Hills-Troy, MI | 171 | $ 35,464,000 | $ 207,391 | $ 80,000 |
| Colorado Springs, CO | 158 | $ 20,457,000 | $ 129,474 | $ 83,000 |
| Providence-New Bedford-Fall River, RI-MA | 155 | $ 27,653,000 | $ 178,406 | $ 85,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 143 | $ 49,653,000 | $ 347,223 | $ 133,000 |
| Jacksonville, FL | 130 | $ 15,423,000 | $ 118,638 | $ 83,000 |
| Bakersfield, CA | 118 | $ 13,917,000 | $ 117,940 | $ 79,000 |
| Dallas-Plano-Irving, TX | 113 | $ 14,540,000 | $ 128,672 | $ 116,000 |
| Orlando, FL | 106 | $ 14,826,000 | $ 139,867 | $ 67,000 |
| Essex County, MA | 101 | $ 21,584,000 | $ 213,702 | $ 73,000 |
| Gainesville, GA | 99 | $ 11,975,000 | $ 120,959 | $ 54,000 |
| Atlantic City, NJ | 98 | $ 15,144,000 | $ 154,530 | $ 66,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 96 | $ 20,156,000 | $ 209,958 | $ 109,000 |
| Fort Walton Beach-Crestview-Destin, FL | 94 | $ 14,089,000 | $ 149,882 | $ 89,000 |
| Trenton-Ewing, NJ | 93 | $ 12,852,000 | $ 138,193 | $ 64,000 |
| Pensacola-Ferry Pass-Brent, FL | 92 | $ 13,352,000 | $ 145,130 | $ 116,000 |
| Columbus, OH | 88 | $ 10,852,000 | $ 123,318 | $ 65,000 |
| Cambridge-Newton-Framingham, MA | 86 | $ 20,773,000 | $ 241,546 | $ 86,000 |
| San Francisco-San Mateo-Redwood City, CA | 86 | $ 32,144,000 | $ 373,767 | $ 144,000 |
| San Antonio, TX | 84 | $ 10,119,000 | $ 120,464 | $ 79,000 |
| Baltimore-Towson, MD | 81 | $ 12,905,000 | $ 159,320 | $ 62,000 |
| Austin-Round Rock, TX | 80 | $ 11,285,000 | $ 141,062 | $ 134,000 |
| Houston-Baytown-Sugar Land, TX | 80 | $ 9,836,000 | $ 122,950 | $ 95,000 |
| Worcester, MA | 80 | $ 14,476,000 | $ 180,950 | $ 87,000 |
| Columbia, SC | 79 | $ 6,952,000 | $ 88,000 | $ 76,000 |
| Tacoma, WA | 78 | $ 9,239,000 | $ 118,448 | $ 59,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 73 | $ 10,501,000 | $ 143,849 | $ 61,000 |
| Stockton, CA | 72 | $ 15,754,000 | $ 218,805 | $ 129,000 |
| Raleigh-Cary, NC | 67 | $ 8,447,000 | $ 126,074 | $ 109,000 |
| Charleston-North Charleston, SC | 55 | $ 6,158,000 | $ 111,963 | $ 66,000 |
| San Luis Obispo-Paso Robles, CA | 54 | $ 15,862,000 | $ 293,740 | $ 103,000 |
| Scranton--Wilkes-Barre, PA | 54 | $ 4,895,000 | $ 90,648 | $ 64,000 |
| Fort Worth-Arlington, TX | 52 | $ 5,354,000 | $ 102,961 | $ 62,000 |
| Pittsburgh, PA | 52 | $ 5,104,000 | $ 98,153 | $ 51,000 |
| Barnstable Town, MA | 51 | $ 11,336,000 | $ 222,274 | $ 76,000 |
| Modesto, CA | 51 | $ 9,441,000 | $ 185,117 | $ 100,000 |
| New Orleans-Metairie-Kenner, LA | 50 | $ 7,709,000 | $ 154,180 | $ 66,000 |
| Athens-Clarke County, GA | 48 | $ 4,739,000 | $ 98,729 | $ 77,000 |
| Cape Coral-Fort Myers, FL | 48 | $ 6,517,000 | $ 135,770 | $ 56,000 |
| Macon, GA | 48 | $ 4,500,000 | $ 93,750 | $ 51,000 |
| Buffalo-Niagara Falls, NY | 44 | $ 4,641,000 | $ 105,477 | $ 46,000 |
| Wilmington, DE-MD-NJ | 44 | $ 5,976,000 | $ 135,818 | $ 58,000 |
| Norwich-New London, CT | 43 | $ 7,197,000 | $ 167,372 | $ 66,000 |
| Palm Bay-Melbourne-Titusville, FL | 41 | $ 4,524,000 | $ 110,341 | $ 64,000 |
| Port St. Lucie-Fort Pierce, FL | 41 | $ 4,788,000 | $ 116,780 | $ 97,000 |
| Portland-South Portland-Biddeford, ME | 41 | $ 8,664,000 | $ 211,317 | $ 84,000 |
| Richmond, VA | 41 | $ 6,409,000 | $ 156,317 | $ 61,000 |
| Rochester, NY | 41 | $ 4,759,000 | $ 116,073 | $ 73,000 |
| Memphis, TN-MS-AR | 40 | $ 4,546,000 | $ 113,650 | $ 111,000 |
| Springfield, MA | 40 | $ 5,382,000 | $ 134,550 | $ 53,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 40 | $ 5,673,000 | $ 141,825 | $ 68,000 |
| Indianapolis, IN | 39 | $ 3,930,000 | $ 100,769 | $ 42,000 |
| Manchester-Nashua, NH | 39 | $ 7,544,000 | $ 193,435 | $ 83,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 39 | $ 16,299,000 | $ 417,923 | $ 181,000 |
| Grand Rapids-Wyoming, MI | 37 | $ 3,883,000 | $ 104,945 | $ 48,000 |
| Lakeland, FL | 37 | $ 3,941,000 | $ 106,513 | $ 77,000 |
| Santa Rosa-Petaluma, CA | 37 | $ 10,063,000 | $ 271,972 | $ 128,000 |
| Ocean City, NJ | 35 | $ 6,711,000 | $ 191,742 | $ 95,000 |
| Bethesda-Frederick-Gaithersburg, MD | 34 | $ 7,084,000 | $ 208,352 | $ 84,000 |
| Savannah, GA | 34 | $ 4,330,000 | $ 127,352 | $ 79,000 |
| Syracuse, NY | 32 | $ 2,876,000 | $ 89,875 | $ 58,000 |
| Boulder, CO | 31 | $ 6,628,000 | $ 213,806 | $ 62,000 |
| Cincinnati-Middletown, OH-KY-IN | 31 | $ 4,038,000 | $ 130,258 | $ 52,000 |
| Miami-Miami Beach-Kendall, FL | 31 | $ 9,518,000 | $ 307,032 | $ 184,000 |
| Oklahoma City, OK | 31 | $ 2,227,000 | $ 71,838 | $ 99,000 |
| Vineland-Millville-Bridgeton, NJ | 30 | $ 3,235,000 | $ 107,833 | $ 55,000 |
| Kingston, NY | 29 | $ 4,124,000 | $ 142,206 | $ 60,000 |
| Lake County-Kenosha County, IL-WI | 29 | $ 5,674,000 | $ 195,655 | $ 77,000 |
| Nashville-Davidson--Murfreesboro, TN | 29 | $ 2,869,000 | $ 98,931 | $ 71,000 |
| Akron, OH | 27 | $ 2,510,000 | $ 92,962 | $ 50,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 27 | $ 4,258,000 | $ 157,703 | $ 101,000 |
| Lansing-East Lansing, MI | 27 | $ 2,794,000 | $ 103,481 | $ 80,000 |
| Kansas City, MO-KS | 24 | $ 2,473,000 | $ 103,041 | $ 64,000 |
| St. Louis, MO-IL | 24 | $ 2,768,000 | $ 115,333 | $ 76,000 |
| Fresno, CA | 23 | $ 3,487,000 | $ 151,608 | $ 80,000 |
| Greeley, CO | 22 | $ 3,056,000 | $ 138,909 | $ 87,000 |
| Fayetteville, NC | 21 | $ 1,282,000 | $ 61,047 | $ 78,000 |
| Ocala, FL | 21 | $ 1,800,000 | $ 85,714 | $ 87,000 |
| Santa Cruz-Watsonville, CA | 21 | $ 5,820,000 | $ 277,142 | $ 76,000 |
| Fort Collins-Loveland, CO | 20 | $ 1,842,000 | $ 92,100 | $ 52,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 20 | $ 4,429,000 | $ 221,450 | $ 124,000 |
| Naples-Marco Island, FL | 20 | $ 5,107,000 | $ 255,350 | $ 83,000 |
| Vallejo-Fairfield, CA | 20 | $ 4,494,000 | $ 224,700 | $ 90,000 |
| Ann Arbor, MI | 19 | $ 3,710,000 | $ 195,263 | $ 81,000 |
| Portland-Vancouver-Beaverton, OR-WA | 19 | $ 2,159,000 | $ 113,631 | $ 63,000 |
| York-Hanover, PA | 19 | $ 1,866,000 | $ 98,210 | $ 61,000 |
| Birmingham-Hoover, AL | 18 | $ 2,225,000 | $ 123,611 | $ 59,000 |
| Grand Junction, CO | 18 | $ 2,634,000 | $ 146,333 | $ 88,000 |
| Harrisburg-Carlisle, PA | 18 | $ 1,788,000 | $ 99,333 | $ 61,000 |
| Salinas, CA | 18 | $ 6,697,000 | $ 372,055 | $ 118,000 |
| Baton Rouge, LA | 17 | $ 2,135,000 | $ 125,588 | $ 76,000 |
| Rockingham County-Strafford County, NH | 17 | $ 3,012,000 | $ 177,176 | $ 62,000 |
| Tucson, AZ | 17 | $ 2,601,000 | $ 153,000 | $ 94,000 |
| Utica-Rome, NY | 17 | $ 1,187,000 | $ 69,823 | $ 45,000 |
| Montgomery, AL | 16 | $ 1,495,000 | $ 93,437 | $ 128,000 |
| Winston-Salem, NC | 15 | $ 1,784,000 | $ 118,933 | $ 90,000 |
| Augusta-Richmond County, GA-SC | 14 | $ 1,343,000 | $ 95,928 | $ 58,000 |
| Durham, NC | 14 | $ 2,516,000 | $ 179,714 | $ 126,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 14 | $ 2,155,000 | $ 153,928 | $ 144,000 |
| Panama City-Lynn Haven, FL | 14 | $ 3,278,000 | $ 234,142 | $ 184,000 |
| Visalia-Porterville, CA | 14 | $ 2,634,000 | $ 188,142 | $ 115,000 |
| Gulfport-Biloxi, MS | 13 | $ 875,000 | $ 67,307 | $ 69,000 |
| Lancaster, PA | 13 | $ 1,634,000 | $ 125,692 | $ 53,000 |
| Louisville, KY-IN | 13 | $ 961,000 | $ 73,923 | $ 72,000 |
| Albuquerque, NM | 12 | $ 1,461,000 | $ 121,750 | $ 62,000 |
| Lexington-Fayette, KY | 12 | $ 971,000 | $ 80,916 | $ 51,000 |
| Tallahassee, FL | 12 | $ 1,538,000 | $ 128,166 | $ 113,000 |
| Corpus Christi, TX | 11 | $ 1,077,000 | $ 97,909 | $ 63,000 |
| Dayton, OH | 11 | $ 818,000 | $ 74,363 | $ 31,000 |
| Flint, MI | 11 | $ 1,467,000 | $ 133,363 | $ 79,000 |
| Greenville, SC | 11 | $ 1,554,000 | $ 141,272 | $ 102,000 |
| Rome, GA | 11 | $ 872,000 | $ 79,272 | $ 46,000 |
| St. George, UT | 11 | $ 898,000 | $ 81,636 | $ 92,000 |
| Tulsa, OK | 11 | $ 1,158,000 | $ 105,272 | $ 72,000 |
| Auburn-Opelika, AL | 10 | $ 1,092,000 | $ 109,200 | $ 118,000 |
| Coeur D'Alene, ID | 10 | $ 1,460,000 | $ 146,000 | $ 254,000 |
| Columbus, GA-AL | 10 | $ 1,346,000 | $ 134,600 | $ 72,000 |
| El Centro, CA | 10 | $ 1,322,000 | $ 132,200 | $ 128,000 |
| Huntsville, AL | 10 | $ 924,000 | $ 92,400 | $ 157,000 |
| Lewiston-Auburn, ME | 10 | $ 1,013,000 | $ 101,300 | $ 108,000 |
| Mobile, AL | 10 | $ 476,000 | $ 47,600 | $ 148,000 |
| Pueblo, CO | 10 | $ 920,000 | $ 92,000 | $ 65,000 |
| Reading, PA | 10 | $ 1,045,000 | $ 104,500 | $ 57,000 |
| Asheville, NC | 9 | $ 1,161,000 | $ 129,000 | $ 52,000 |
| Hickory-Lenoir-Morganton, NC | 9 | $ 1,637,000 | $ 181,888 | $ 79,000 |
| Pittsfield, MA | 9 | $ 1,684,000 | $ 187,111 | $ 58,000 |
| Punta Gorda, FL | 9 | $ 614,000 | $ 68,222 | $ 71,000 |
| Salem, OR | 9 | $ 1,116,000 | $ 124,000 | $ 70,000 |
| Salt Lake City, UT | 9 | $ 1,986,000 | $ 220,666 | $ 127,000 |
| Toledo, OH | 9 | $ 794,000 | $ 88,222 | $ 60,000 |
| Dover, DE | 8 | $ 1,165,000 | $ 145,625 | $ 61,000 |
| Glens Falls, NY | 8 | $ 903,000 | $ 112,875 | $ 57,000 |
| Hinesville-Fort Stewart, GA | 8 | $ 684,000 | $ 85,500 | $ 44,000 |
| Jackson, TN | 8 | $ 688,000 | $ 86,000 | $ 114,000 |
| Killeen-Temple-Fort Hood, TX | 8 | $ 556,000 | $ 69,500 | $ 92,000 |
| Omaha-Council Bluffs, NE-IA | 8 | $ 1,236,000 | $ 154,500 | $ 121,000 |
| Spokane, WA | 8 | $ 1,067,000 | $ 133,375 | $ 162,000 |
| Binghamton, NY | 7 | $ 489,000 | $ 69,857 | $ 58,000 |
| Boise City-Nampa, ID | 7 | $ 549,000 | $ 78,428 | $ 116,000 |
| Brunswick, GA | 7 | $ 1,102,000 | $ 157,428 | $ 103,000 |
| Florence, SC | 7 | $ 435,000 | $ 62,142 | $ 45,000 |
| Fort Wayne, IN | 7 | $ 969,000 | $ 138,428 | $ 82,000 |
| Honolulu, HI | 7 | $ 2,769,000 | $ 395,571 | $ 99,000 |
| Ithaca, NY | 7 | $ 830,000 | $ 118,571 | $ 63,000 |
| Knoxville, TN | 7 | $ 587,000 | $ 83,857 | $ 57,000 |
| Mount Vernon-Anacortes, WA | 7 | $ 843,000 | $ 120,428 | $ 50,000 |
| Niles-Benton Harbor, MI | 7 | $ 740,000 | $ 105,714 | $ 37,000 |
| Bremerton-Silverdale, WA | 6 | $ 1,097,000 | $ 182,833 | $ 81,000 |
| Canton-Massillon, OH | 6 | $ 741,000 | $ 123,500 | $ 41,000 |
| Chattanooga, TN-GA | 6 | $ 289,000 | $ 48,166 | $ 38,000 |
| Dalton, GA | 6 | $ 1,443,000 | $ 240,500 | $ 92,000 |
| Gainesville, FL | 6 | $ 986,000 | $ 164,333 | $ 310,000 |
| Greenville, NC | 6 | $ 926,000 | $ 154,333 | $ 100,000 |
| Jackson, MI | 6 | $ 941,000 | $ 156,833 | $ 109,000 |
| Jackson, MS | 6 | $ 552,000 | $ 92,000 | $ 41,000 |
| Kalamazoo-Portage, MI | 6 | $ 595,000 | $ 99,166 | $ 28,000 |
| Merced, CA | 6 | $ 1,049,000 | $ 174,833 | $ 67,000 |
| Olympia, WA | 6 | $ 813,000 | $ 135,500 | $ 104,000 |
| Pascagoula, MS | 6 | $ 499,000 | $ 83,166 | $ 69,000 |
| Prescott, AZ | 6 | $ 1,921,000 | $ 320,166 | $ 66,000 |
| Santa Fe, NM | 6 | $ 2,022,000 | $ 337,000 | $ 232,000 |
| Tuscaloosa, AL | 6 | $ 475,000 | $ 79,166 | $ 58,000 |
| Wilmington, NC | 6 | $ 1,297,000 | $ 216,166 | $ 97,000 |
| Youngstown-Warren-Boardman, OH-PA | 6 | $ 554,000 | $ 92,333 | $ 38,000 |
| Altoona, PA | 5 | $ 543,000 | $ 108,600 | $ 41,000 |
| Anchorage, AK | 5 | $ 815,000 | $ 163,000 | $ 108,000 |
| Bay City, MI | 5 | $ 460,000 | $ 92,000 | $ 68,000 |
| Holland-Grand Haven, MI | 5 | $ 450,000 | $ 90,000 | $ 19,000 |
| Reno-Sparks, NV | 5 | $ 684,000 | $ 136,800 | $ 16,000 |
| Vero Beach, FL | 5 | $ 376,000 | $ 75,200 | $ 111,000 |
| Warner Robins, GA | 5 | $ 381,000 | $ 76,200 | $ 48,000 |
| Williamsport, PA | 5 | $ 419,000 | $ 83,800 | $ 45,000 |
| Bangor, ME | 4 | $ 414,000 | $ 103,500 | $ 44,000 |
| Billings, MT | 4 | $ 233,000 | $ 58,250 | $ 1,000 |
| Burlington, NC | 4 | $ 500,000 | $ 125,000 | $ 76,000 |
| Cheyenne, WY | 4 | $ 357,000 | $ 89,250 | $ 67,000 |
| Chico, CA | 4 | $ 1,072,000 | $ 268,000 | $ 149,000 |
| Dothan, AL | 4 | $ 543,000 | $ 135,750 | $ 95,000 |
| Gary, IN | 4 | $ 473,000 | $ 118,250 | $ 49,000 |
| Lebanon, PA | 4 | $ 413,000 | $ 103,250 | $ 70,000 |
| Lima, OH | 4 | $ 287,000 | $ 71,750 | $ 59,000 |
| Madera, CA | 4 | $ 528,000 | $ 132,000 | $ 119,000 |
| McAllen-Edinburg-Pharr, TX | 4 | $ 458,000 | $ 114,500 | $ 34,000 |
| Milwaukee-Waukesha-West Allis, WI | 4 | $ 390,000 | $ 97,500 | $ 40,000 |
| Napa, CA | 4 | $ 907,000 | $ 226,750 | $ 73,000 |
| Saginaw-Saginaw Township North, MI | 4 | $ 348,000 | $ 87,000 | $ 21,000 |
| Sandusky, OH | 4 | $ 533,000 | $ 133,250 | $ 226,000 |
| Albany, GA | 3 | $ 329,000 | $ 109,666 | $ 36,000 |
| Battle Creek, MI | 3 | $ 294,000 | $ 98,000 | $ 23,000 |
| Clarksville, TN-KY | 3 | $ 211,000 | $ 70,333 | $ 132,000 |
| Des Moines, IA | 3 | $ 271,000 | $ 90,333 | $ 29,000 |
| Evansville, IN-KY | 3 | $ 464,000 | $ 154,666 | $ 146,000 |
| Lincoln, NE | 3 | $ 270,000 | $ 90,000 | $ 84,000 |
| Longview, TX | 3 | $ 236,000 | $ 78,666 | $ 32,000 |
| Monroe, MI | 3 | $ 646,000 | $ 215,333 | $ 70,000 |
| Peoria, IL | 3 | $ 398,000 | $ 132,666 | $ 59,000 |
| Provo-Orem, UT | 3 | $ 627,000 | $ 209,000 | $ 182,000 |
| Redding, CA | 3 | $ 455,000 | $ 151,666 | $ 84,000 |
| Roanoke, VA | 3 | $ 212,000 | $ 70,666 | $ 22,000 |
| Rockford, IL | 3 | $ 270,000 | $ 90,000 | $ 181,000 |
| Rocky Mount, NC | 3 | $ 267,000 | $ 89,000 | $ 143,000 |
| Salisbury, MD | 3 | $ 528,000 | $ 176,000 | $ 65,000 |
| Sheboygan, WI | 3 | $ 330,000 | $ 110,000 | $ 80,000 |
| South Bend-Mishawaka, IN-MI | 3 | $ 348,000 | $ 116,000 | $ 107,000 |
| State College, PA | 3 | $ 507,000 | $ 169,000 | $ 23,000 |
| Waco, TX | 3 | $ 261,000 | $ 87,000 | $ 71,000 |
| Anderson, IN | 2 | $ 229,000 | $ 114,500 | $ 68,000 |
| Anniston-Oxford, AL | 2 | $ 130,000 | $ 65,000 | $ 58,000 |
| Bellingham, WA | 2 | $ 156,000 | $ 78,000 | $ 80,000 |
| Bloomington-Normal, IL | 2 | $ 324,000 | $ 162,000 | $ 94,000 |
| Brownsville-Harlingen, TX | 2 | $ 130,000 | $ 65,000 | $ 44,000 |
| Carson City, NV | 2 | $ 298,000 | $ 149,000 | $ 99,000 |
| Cumberland, MD-WV | 2 | $ 202,000 | $ 101,000 | $ 35,000 |
| Decatur, AL | 2 | $ 169,000 | $ 84,500 | $ 120,000 |
| Duluth, MN-WI | 2 | $ 348,000 | $ 174,000 | $ 102,000 |
| El Paso, TX | 2 | $ 343,000 | $ 171,500 | $ 57,000 |
| Eugene-Springfield, OR | 2 | $ 240,000 | $ 120,000 | $ 0 |
| Farmington, NM | 2 | $ 83,000 | $ 41,500 | $ 51,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 266,000 | $ 133,000 | $ 74,000 |
| Florence-Muscle Shoals, AL | 2 | $ 345,000 | $ 172,500 | $ 60,000 |
| Green Bay, WI | 2 | $ 155,000 | $ 77,500 | $ 45,000 |
| Greensboro-High Point, NC | 2 | $ 279,000 | $ 139,500 | $ 81,000 |
| Hanford-Corcoran, CA | 2 | $ 83,000 | $ 41,500 | $ 42,000 |
| Houma-Bayou Cane-Thibodaux, LA | 2 | $ 177,000 | $ 88,500 | $ 45,000 |
| Jacksonville, NC | 2 | $ 219,000 | $ 109,500 | $ 42,000 |
| Kankakee-Bradley, IL | 2 | $ 312,000 | $ 156,000 | $ 112,000 |
| Kennewick-Richland-Pasco, WA | 2 | $ 50,000 | $ 25,000 | $ 146,000 |
| Kokomo, IN | 2 | $ 265,000 | $ 132,500 | $ 99,000 |
| Lynchburg, VA | 2 | $ 115,000 | $ 57,500 | $ 48,000 |
| Mansfield, OH | 2 | $ 100,000 | $ 50,000 | $ 134,000 |
| Michigan City-La Porte, IN | 2 | $ 169,000 | $ 84,500 | $ 168,000 |
| Morristown, TN | 2 | $ 223,000 | $ 111,500 | $ 12,000 |
| Muskegon-Norton Shores, MI | 2 | $ 178,000 | $ 89,000 | $ 37,000 |
| Ogden-Clearfield, UT | 2 | $ 303,000 | $ 151,500 | $ 47,000 |
| Rochester, MN | 2 | $ 303,000 | $ 151,500 | $ 27,000 |
| Shreveport-Bossier City, LA | 2 | $ 186,000 | $ 93,000 | $ 47,000 |
| Springfield, OH | 2 | $ 152,000 | $ 76,000 | $ 33,000 |
| Texarkana, Tx-Texarkana, AR | 2 | $ 151,000 | $ 75,500 | $ 54,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 2 | $ 258,000 | $ 129,000 | $ 43,000 |
| Wenatchee, WA | 2 | $ 118,000 | $ 59,000 | $ 0 |
| Yakima, WA | 2 | $ 183,000 | $ 91,500 | $ 41,000 |
| Yuba City, CA | 2 | $ 219,000 | $ 109,500 | $ 135,000 |
| Yuma, AZ | 2 | $ 372,000 | $ 186,000 | $ 107,000 |
| Anderson, SC | 1 | $ 71,000 | $ 71,000 | $ 26,000 |
| Cedar Rapids, IA | 1 | $ 125,000 | $ 125,000 | $ 42,000 |
| Charleston, WV | 1 | $ 40,000 | $ 40,000 | $ 39,000 |
| College Station-Bryan, TX | 1 | $ 50,000 | $ 50,000 | $ 27,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 102,000 | $ 102,000 | $ 80,000 |
| Eau Claire, WI | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Elkhart-Goshen, IN | 1 | $ 163,000 | $ 163,000 | $ 88,000 |
| Elmira, NY | 1 | $ 132,000 | $ 132,000 | $ 65,000 |
| Flagstaff, AZ | 1 | $ 168,000 | $ 168,000 | $ 149,000 |
| Fond Du Lac, WI | 1 | $ 86,000 | $ 86,000 | $ 67,000 |
| Gadsden, AL | 1 | $ 83,000 | $ 83,000 | $ 43,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 110,000 | $ 110,000 | $ 50,000 |
| Harrisonburg, VA | 1 | $ 128,000 | $ 128,000 | $ 60,000 |
| Hattiesburg, MS | 1 | $ 65,000 | $ 65,000 | $ 120,000 |
| Johnson City, TN | 1 | $ 152,000 | $ 152,000 | $ 0 |
| Joplin, MO | 1 | $ 72,000 | $ 72,000 | $ 80,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 198,000 | $ 198,000 | $ 108,000 |
| Lafayette, IN | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Lake Charles, LA | 1 | $ 88,000 | $ 88,000 | $ 102,000 |
| Lawton, OK | 1 | $ 66,000 | $ 66,000 | $ 31,000 |
| Lubbock, TX | 1 | $ 66,000 | $ 66,000 | $ 48,000 |
| Madison, WI | 1 | $ 325,000 | $ 325,000 | $ 150,000 |
| Monroe, LA | 1 | $ 120,000 | $ 120,000 | $ 38,000 |
| Muncie, IN | 1 | $ 43,000 | $ 43,000 | $ 127,000 |
| Racine, WI | 1 | $ 160,000 | $ 160,000 | $ 79,000 |
| Sherman-Denison, TX | 1 | $ 85,000 | $ 85,000 | $ 58,000 |
| Spartanburg, SC | 1 | $ 121,000 | $ 121,000 | $ 38,000 |
| Springfield, MO | 1 | $ 35,000 | $ 35,000 | $ 134,000 |
| Sumter, SC | 1 | $ 76,000 | $ 76,000 | $ 47,000 |
| Tyler, TX | 1 | $ 39,000 | $ 39,000 | $ 32,000 |
| Valdosta, GA | 1 | $ 123,000 | $ 123,000 | $ 69,000 |
| Victoria, TX | 1 | $ 55,000 | $ 55,000 | $ 16,000 |
| Wichita, KS | 1 | $ 69,000 | $ 69,000 | $ 120,000 |
| Winchester, VA-WV | 1 | $ 163,000 | $ 163,000 | $ 71,000 |
Mortgage Loan Application Detail Totals for Opteum Financial Services LLC in 2004
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 | 23,147 | $3,513,067,000 | $135,666 | $1,755,000 | $89,625 | $8,511,000 |
| Refinancing | 13,589 | $2,733,216,000 | $174,187 | $3,900,000 | $79,333 | $4,020,000 |
| Home Improvement | 40 | $6,986,000 | $186,692 | $1,500,000 | $72,384 | $177,000 |
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 | 18,586 | $3,285,638,000 | $155,916 | $3,900,000 | $89,354 | $4,020,000 |
| Not Provided | 6,541 | $1,018,796,000 | $150,434 | $2,940,000 | $83,065 | $1,663,000 |
| Black or African American | 6,070 | $877,884,000 | $128,538 | $1,000,000 | $75,666 | $8,511,000 |
| Hispanic | 4,087 | $768,417,000 | $138,030 | $2,200,000 | $67,363 | $960,000 |
| Asian | 1,223 | $251,407,000 | $166,575 | $1,170,000 | $89,060 | $1,320,000 |
| Native Hawaiian or Other Pacific Islander | 169 | $31,185,000 | $168,588 | $680,000 | $73,058 | $264,000 |
| American Indian or Alaskan Native | 100 | $19,942,000 | $220,555 | $1,425,000 | $82,722 | $590,000 |
| 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) | 33,334 | $5,765,988,000 | $152,959 | $3,900,000 | $88,612 | $8,511,000 |
| FHA-insured (Federal Housing Administration) | 3,168 | $445,662,000 | $127,085 | $499,000 | $44,228 | $347,000 |
| VA-guaranteed (Veterans Administration) | 267 | $40,775,000 | $137,391 | $245,000 | $44,043 | $165,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $844,000 | $120,000 | $180,000 | $40,500 | $68,000 |
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 | 21,777 | $3,574,579,000 | $151,936 | $3,900,000 | $83,170 | $8,511,000 |
| Application Withdrawn By Applicant | 8,889 | $1,456,686,000 | $142,787 | $2,940,000 | $82,063 | $1,663,000 |
| Application Approved But Not Accepted | 3,833 | $786,518,000 | $151,069 | $2,000,000 | $83,581 | $1,785,000 |
| Application Denied By Financial Institution | 2,227 | $425,249,000 | $154,422 | $2,700,000 | $78,711 | $1,320,000 |
| File Closed For Incompleteness | 50 | $10,237,000 | $192,000 | $1,300,000 | $110,444 | $360,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 734 | $143,075,000 | $117,787 | $1,380,000 | $77,090 | $950,000 |
| Credit History | 603 | $116,673,000 | $195,789 | $2,700,000 | $77,657 | $1,320,000 |
| Collateral | 424 | $80,508,000 | $141,620 | $1,500,000 | $91,241 | $1,010,000 |
| Debt-To-Income Ratio | 215 | $36,523,000 | $136,875 | $636,000 | $63,500 | $403,000 |
| Unverifiable Information | 99 | $23,235,000 | $180,769 | $904,000 | $71,461 | $477,000 |
| Employment History | 98 | $18,023,000 | $125,050 | $1,000,000 | $66,200 | $325,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 28 | $3,946,000 | $138,818 | $371,000 | $69,545 | $262,000 |
| Credit Application Incomplete | 23 | $2,767,000 | $120,500 | $298,000 | $36,833 | $180,000 |
| Mortgage Insurance Denied | 3 | $499,000 | $166,333 | $376,000 | $79,333 | $148,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Opteum Financial Services LLC's 2004 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.
For a list of all lenders in New Jersey, download the full spreadsheet
with aggregated HMDA statistics today.
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