Opteum Financial Services Llc
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Opteum Financial Services Llc 2004 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 | 36,776 |
| Total Mortgage Loan Application Amount | $6,253,269,000 |
| Average Mortgage Loan Application Amount | $158,715 |
| Highest Mortgage Loan Application Amount | $3,900,000 |
| Average Applicant Income | $83,036 |
| Highest Applicant Income | $8,511,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 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 2004 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 2004.
| 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 | $ 127,000 | $ 65,000 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 1,921 | $ 489,995,000 | $ 255,000 | $ 114,000 |
| NEWARK-UNION, NJ-PA | 1,370 | $ 272,198,000 | $ 198,000 | $ 82,000 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 1,296 | $ 250,528,000 | $ 193,000 | $ 105,000 |
| NEW YORK-WAYNE-WHITE PLAINS, NY-NJ | 1,261 | $ 295,449,000 | $ 234,000 | $ 86,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 1,132 | $ 146,533,000 | $ 129,000 | $ 94,000 |
| SANTA ANA-ANAHEIM-IRVINE, CA | 1,072 | $ 349,190,000 | $ 325,000 | $ 129,000 |
| EDISON, NJ | 1,023 | $ 208,475,000 | $ 203,000 | $ 86,000 |
| NASSAU-SUFFOLK, NY | 781 | $ 185,971,000 | $ 238,000 | $ 91,000 |
| SAN DIEGO-CARLSBAD-SAN MARCOS, CA | 440 | $ 129,475,000 | $ 294,000 | $ 115,000 |
| PHOENIX-MESA-SCOTTSDALE, AZ | 414 | $ 48,967,000 | $ 118,000 | $ 94,000 |
| CAMDEN, NJ | 390 | $ 57,516,000 | $ 147,000 | $ 68,000 |
| PHILADELPHIA, PA | 386 | $ 62,911,000 | $ 162,000 | $ 71,000 |
| DENVER-AURORA, CO | 381 | $ 54,062,000 | $ 141,000 | $ 79,000 |
| SEATTLE-BELLEVUE-EVERETT, WA | 355 | $ 59,419,000 | $ 167,000 | $ 86,000 |
| BOSTON-QUINCY, MA | 337 | $ 87,139,000 | $ 258,000 | $ 90,000 |
| BRIDGEPORT-STAMFORD-NORWALK, CT | 337 | $ 72,841,000 | $ 216,000 | $ 76,000 |
| OXNARD-THOUSAND OAKS-VENTURA, CA | 332 | $ 91,215,000 | $ 274,000 | $ 112,000 |
| NEW HAVEN-MILFORD, CT | 321 | $ 49,214,000 | $ 153,000 | $ 69,000 |
| WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL | 227 | $ 35,601,000 | $ 156,000 | $ 70,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 224 | $ 35,051,000 | $ 156,000 | $ 77,000 |
| OAKLAND-FREMONT-HAYWARD, CA | 211 | $ 58,504,000 | $ 277,000 | $ 144,000 |
| DETROIT-LIVONIA-DEARBORN, MI | 206 | $ 22,700,000 | $ 110,000 | $ 59,000 |
| SARASOTA-BRADENTON-VENICE, FL | 205 | $ 42,575,000 | $ 207,000 | $ 86,000 |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY | 204 | $ 37,603,000 | $ 184,000 | $ 83,000 |
| LAS VEGAS-PARADISE, NV | 203 | $ 36,884,000 | $ 181,000 | $ 109,000 |
| CLEVELAND-ELYRIA-MENTOR, OH | 186 | $ 18,729,000 | $ 100,000 | $ 58,000 |
| HARTFORD-WEST HARTFORD-EAST HARTFORD, CT | 184 | $ 27,820,000 | $ 151,000 | $ 73,000 |
| CHICAGO-NAPERVILLE-JOLIET, IL | 181 | $ 31,361,000 | $ 173,000 | $ 64,000 |
| CHARLOTTE-GASTONIA-CONCORD, NC-SC | 176 | $ 18,823,000 | $ 106,000 | $ 55,000 |
| ALBANY-SCHENECTADY-TROY, NY | 174 | $ 18,082,000 | $ 103,000 | $ 77,000 |
| WARREN-FARMINGTON HILLS-TROY, MI | 171 | $ 35,464,000 | $ 207,000 | $ 80,000 |
| COLORADO SPRINGS, CO | 158 | $ 20,457,000 | $ 129,000 | $ 83,000 |
| PROVIDENCE-NEW BEDFORD-FALL RIVER, RI-MA | 155 | $ 27,653,000 | $ 178,000 | $ 85,000 |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA | 143 | $ 49,653,000 | $ 347,000 | $ 133,000 |
| JACKSONVILLE, FL | 130 | $ 15,423,000 | $ 118,000 | $ 83,000 |
| BAKERSFIELD, CA | 118 | $ 13,917,000 | $ 117,000 | $ 79,000 |
| DALLAS-PLANO-IRVING, TX | 113 | $ 14,540,000 | $ 128,000 | $ 116,000 |
| ORLANDO, FL | 106 | $ 14,826,000 | $ 139,000 | $ 67,000 |
| ESSEX COUNTY, MA | 101 | $ 21,584,000 | $ 213,000 | $ 73,000 |
| GAINESVILLE, GA | 99 | $ 11,975,000 | $ 120,000 | $ 54,000 |
| ATLANTIC CITY, NJ | 98 | $ 15,144,000 | $ 154,000 | $ 66,000 |
| SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA | 96 | $ 20,156,000 | $ 209,000 | $ 109,000 |
| FORT WALTON BEACH-CRESTVIEW-DESTIN, FL | 94 | $ 14,089,000 | $ 149,000 | $ 89,000 |
| TRENTON-EWING, NJ | 93 | $ 12,852,000 | $ 138,000 | $ 64,000 |
| PENSACOLA-FERRY PASS-BRENT, FL | 92 | $ 13,352,000 | $ 145,000 | $ 116,000 |
| COLUMBUS, OH | 88 | $ 10,852,000 | $ 123,000 | $ 65,000 |
| CAMBRIDGE-NEWTON-FRAMINGHAM, MA | 86 | $ 20,773,000 | $ 241,000 | $ 86,000 |
| SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA | 86 | $ 32,144,000 | $ 373,000 | $ 144,000 |
| SAN ANTONIO, TX | 84 | $ 10,119,000 | $ 120,000 | $ 79,000 |
| BALTIMORE-TOWSON, MD | 81 | $ 12,905,000 | $ 159,000 | $ 62,000 |
| AUSTIN-ROUND ROCK, TX | 80 | $ 11,285,000 | $ 141,000 | $ 134,000 |
| HOUSTON-BAYTOWN-SUGAR LAND, TX | 80 | $ 9,836,000 | $ 122,000 | $ 95,000 |
| WORCESTER, MA | 80 | $ 14,476,000 | $ 180,000 | $ 87,000 |
| COLUMBIA, SC | 79 | $ 6,952,000 | $ 88,000 | $ 76,000 |
| TACOMA, WA | 78 | $ 9,239,000 | $ 118,000 | $ 59,000 |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ | 73 | $ 10,501,000 | $ 143,000 | $ 61,000 |
| STOCKTON, CA | 72 | $ 15,754,000 | $ 218,000 | $ 129,000 |
| RALEIGH-CARY, NC | 67 | $ 8,447,000 | $ 126,000 | $ 109,000 |
| CHARLESTON-NORTH CHARLESTON, SC | 55 | $ 6,158,000 | $ 111,000 | $ 66,000 |
| SAN LUIS OBISPO-PASO ROBLES, CA | 54 | $ 15,862,000 | $ 293,000 | $ 103,000 |
| SCRANTON--WILKES-BARRE, PA | 54 | $ 4,895,000 | $ 90,000 | $ 64,000 |
| FORT WORTH-ARLINGTON, TX | 52 | $ 5,354,000 | $ 102,000 | $ 62,000 |
| PITTSBURGH, PA | 52 | $ 5,104,000 | $ 98,000 | $ 51,000 |
| BARNSTABLE TOWN, MA | 51 | $ 11,336,000 | $ 222,000 | $ 76,000 |
| MODESTO, CA | 51 | $ 9,441,000 | $ 185,000 | $ 100,000 |
| NEW ORLEANS-METAIRIE-KENNER, LA | 50 | $ 7,709,000 | $ 154,000 | $ 66,000 |
| ATHENS-CLARKE COUNTY, GA | 48 | $ 4,739,000 | $ 98,000 | $ 77,000 |
| CAPE CORAL-FORT MYERS, FL | 48 | $ 6,517,000 | $ 135,000 | $ 56,000 |
| MACON, GA | 48 | $ 4,500,000 | $ 93,000 | $ 51,000 |
| BUFFALO-NIAGARA FALLS, NY | 44 | $ 4,641,000 | $ 105,000 | $ 46,000 |
| WILMINGTON, DE-MD-NJ | 44 | $ 5,976,000 | $ 135,000 | $ 58,000 |
| NORWICH-NEW LONDON, CT | 43 | $ 7,197,000 | $ 167,000 | $ 66,000 |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 41 | $ 4,524,000 | $ 110,000 | $ 64,000 |
| PORT ST. LUCIE-FORT PIERCE, FL | 41 | $ 4,788,000 | $ 116,000 | $ 97,000 |
| PORTLAND-SOUTH PORTLAND-BIDDEFORD, ME | 41 | $ 8,664,000 | $ 211,000 | $ 84,000 |
| RICHMOND, VA | 41 | $ 6,409,000 | $ 156,000 | $ 61,000 |
| ROCHESTER, NY | 41 | $ 4,759,000 | $ 116,000 | $ 73,000 |
| MEMPHIS, TN-MS-AR | 40 | $ 4,546,000 | $ 113,000 | $ 111,000 |
| SPRINGFIELD, MA | 40 | $ 5,382,000 | $ 134,000 | $ 53,000 |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 40 | $ 5,673,000 | $ 141,000 | $ 68,000 |
| INDIANAPOLIS, IN | 39 | $ 3,930,000 | $ 100,000 | $ 42,000 |
| MANCHESTER-NASHUA, NH | 39 | $ 7,544,000 | $ 193,000 | $ 83,000 |
| SANTA BARBARA-SANTA MARIA-GOLETA, CA | 39 | $ 16,299,000 | $ 417,000 | $ 181,000 |
| GRAND RAPIDS-WYOMING, MI | 37 | $ 3,883,000 | $ 104,000 | $ 48,000 |
| LAKELAND, FL | 37 | $ 3,941,000 | $ 106,000 | $ 77,000 |
| SANTA ROSA-PETALUMA, CA | 37 | $ 10,063,000 | $ 271,000 | $ 128,000 |
| OCEAN CITY, NJ | 35 | $ 6,711,000 | $ 191,000 | $ 95,000 |
| BETHESDA-FREDERICK-GAITHERSBURG, MD | 34 | $ 7,084,000 | $ 208,000 | $ 84,000 |
| SAVANNAH, GA | 34 | $ 4,330,000 | $ 127,000 | $ 79,000 |
| SYRACUSE, NY | 32 | $ 2,876,000 | $ 89,000 | $ 58,000 |
| BOULDER, CO | 31 | $ 6,628,000 | $ 213,000 | $ 62,000 |
| CINCINNATI-MIDDLETOWN, OH-KY-IN | 31 | $ 4,038,000 | $ 130,000 | $ 52,000 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 31 | $ 9,518,000 | $ 307,000 | $ 184,000 |
| OKLAHOMA CITY, OK | 31 | $ 2,227,000 | $ 71,000 | $ 99,000 |
| VINELAND-MILLVILLE-BRIDGETON, NJ | 30 | $ 3,235,000 | $ 107,000 | $ 55,000 |
| KINGSTON, NY | 29 | $ 4,124,000 | $ 142,000 | $ 60,000 |
| LAKE COUNTY-KENOSHA COUNTY, IL-WI | 29 | $ 5,674,000 | $ 195,000 | $ 77,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO, TN | 29 | $ 2,869,000 | $ 98,000 | $ 71,000 |
| AKRON, OH | 27 | $ 2,510,000 | $ 92,000 | $ 50,000 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 27 | $ 4,258,000 | $ 157,000 | $ 101,000 |
| LANSING-EAST LANSING, MI | 27 | $ 2,794,000 | $ 103,000 | $ 80,000 |
| KANSAS CITY, MO-KS | 24 | $ 2,473,000 | $ 103,000 | $ 64,000 |
| ST. LOUIS, MO-IL | 24 | $ 2,768,000 | $ 115,000 | $ 76,000 |
| FRESNO, CA | 23 | $ 3,487,000 | $ 151,000 | $ 80,000 |
| GREELEY, CO | 22 | $ 3,056,000 | $ 138,000 | $ 87,000 |
| FAYETTEVILLE, NC | 21 | $ 1,282,000 | $ 61,000 | $ 78,000 |
| OCALA, FL | 21 | $ 1,800,000 | $ 85,000 | $ 87,000 |
| SANTA CRUZ-WATSONVILLE, CA | 21 | $ 5,820,000 | $ 277,000 | $ 76,000 |
| FORT COLLINS-LOVELAND, CO | 20 | $ 1,842,000 | $ 92,000 | $ 52,000 |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 20 | $ 4,429,000 | $ 221,000 | $ 124,000 |
| NAPLES-MARCO ISLAND, FL | 20 | $ 5,107,000 | $ 255,000 | $ 83,000 |
| VALLEJO-FAIRFIELD, CA | 20 | $ 4,494,000 | $ 224,000 | $ 90,000 |
| ANN ARBOR, MI | 19 | $ 3,710,000 | $ 195,000 | $ 81,000 |
| PORTLAND-VANCOUVER-BEAVERTON, OR-WA | 19 | $ 2,159,000 | $ 113,000 | $ 63,000 |
| YORK-HANOVER, PA | 19 | $ 1,866,000 | $ 98,000 | $ 61,000 |
| BIRMINGHAM-HOOVER, AL | 18 | $ 2,225,000 | $ 123,000 | $ 59,000 |
| GRAND JUNCTION, CO | 18 | $ 2,634,000 | $ 146,000 | $ 88,000 |
| HARRISBURG-CARLISLE, PA | 18 | $ 1,788,000 | $ 99,000 | $ 61,000 |
| SALINAS, CA | 18 | $ 6,697,000 | $ 372,000 | $ 118,000 |
| BATON ROUGE, LA | 17 | $ 2,135,000 | $ 125,000 | $ 76,000 |
| ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH | 17 | $ 3,012,000 | $ 177,000 | $ 62,000 |
| TUCSON, AZ | 17 | $ 2,601,000 | $ 153,000 | $ 94,000 |
| UTICA-ROME, NY | 17 | $ 1,187,000 | $ 69,000 | $ 45,000 |
| MONTGOMERY, AL | 16 | $ 1,495,000 | $ 93,000 | $ 128,000 |
| WINSTON-SALEM, NC | 15 | $ 1,784,000 | $ 118,000 | $ 90,000 |
| AUGUSTA-RICHMOND COUNTY, GA-SC | 14 | $ 1,343,000 | $ 95,000 | $ 58,000 |
| DURHAM, NC | 14 | $ 2,516,000 | $ 179,000 | $ 126,000 |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC | 14 | $ 2,155,000 | $ 153,000 | $ 144,000 |
| PANAMA CITY-LYNN HAVEN, FL | 14 | $ 3,278,000 | $ 234,000 | $ 184,000 |
| VISALIA-PORTERVILLE, CA | 14 | $ 2,634,000 | $ 188,000 | $ 115,000 |
| GULFPORT-BILOXI, MS | 13 | $ 875,000 | $ 67,000 | $ 69,000 |
| LANCASTER, PA | 13 | $ 1,634,000 | $ 125,000 | $ 53,000 |
| LOUISVILLE, KY-IN | 13 | $ 961,000 | $ 73,000 | $ 72,000 |
| ALBUQUERQUE, NM | 12 | $ 1,461,000 | $ 121,000 | $ 62,000 |
| LEXINGTON-FAYETTE, KY | 12 | $ 971,000 | $ 80,000 | $ 51,000 |
| TALLAHASSEE, FL | 12 | $ 1,538,000 | $ 128,000 | $ 113,000 |
| CORPUS CHRISTI, TX | 11 | $ 1,077,000 | $ 97,000 | $ 63,000 |
| DAYTON, OH | 11 | $ 818,000 | $ 74,000 | $ 31,000 |
| FLINT, MI | 11 | $ 1,467,000 | $ 133,000 | $ 79,000 |
| GREENVILLE, SC | 11 | $ 1,554,000 | $ 141,000 | $ 102,000 |
| ROME, GA | 11 | $ 872,000 | $ 79,000 | $ 46,000 |
| ST. GEORGE, UT | 11 | $ 898,000 | $ 81,000 | $ 92,000 |
| TULSA, OK | 11 | $ 1,158,000 | $ 105,000 | $ 72,000 |
| AUBURN-OPELIKA, AL | 10 | $ 1,092,000 | $ 109,000 | $ 118,000 |
| COEUR D'ALENE, ID | 10 | $ 1,460,000 | $ 146,000 | $ 254,000 |
| COLUMBUS, GA-AL | 10 | $ 1,346,000 | $ 134,000 | $ 72,000 |
| EL CENTRO, CA | 10 | $ 1,322,000 | $ 132,000 | $ 128,000 |
| HUNTSVILLE, AL | 10 | $ 924,000 | $ 92,000 | $ 157,000 |
| LEWISTON-AUBURN, ME | 10 | $ 1,013,000 | $ 101,000 | $ 108,000 |
| MOBILE, AL | 10 | $ 476,000 | $ 47,000 | $ 148,000 |
| PUEBLO, CO | 10 | $ 920,000 | $ 92,000 | $ 65,000 |
| READING, PA | 10 | $ 1,045,000 | $ 104,000 | $ 57,000 |
| ASHEVILLE, NC | 9 | $ 1,161,000 | $ 129,000 | $ 52,000 |
| HICKORY-LENOIR-MORGANTON, NC | 9 | $ 1,637,000 | $ 181,000 | $ 79,000 |
| PITTSFIELD, MA | 9 | $ 1,684,000 | $ 187,000 | $ 58,000 |
| PUNTA GORDA, FL | 9 | $ 614,000 | $ 68,000 | $ 71,000 |
| SALEM, OR | 9 | $ 1,116,000 | $ 124,000 | $ 70,000 |
| SALT LAKE CITY, UT | 9 | $ 1,986,000 | $ 220,000 | $ 127,000 |
| TOLEDO, OH | 9 | $ 794,000 | $ 88,000 | $ 60,000 |
| DOVER, DE | 8 | $ 1,165,000 | $ 145,000 | $ 61,000 |
| GLENS FALLS, NY | 8 | $ 903,000 | $ 112,000 | $ 57,000 |
| HINESVILLE-FORT STEWART, GA | 8 | $ 684,000 | $ 85,000 | $ 44,000 |
| JACKSON, TN | 8 | $ 688,000 | $ 86,000 | $ 114,000 |
| KILLEEN-TEMPLE-FORT HOOD, TX | 8 | $ 556,000 | $ 69,000 | $ 92,000 |
| OMAHA-COUNCIL BLUFFS, NE-IA | 8 | $ 1,236,000 | $ 154,000 | $ 121,000 |
| SPOKANE, WA | 8 | $ 1,067,000 | $ 133,000 | $ 162,000 |
| BINGHAMTON, NY | 7 | $ 489,000 | $ 69,000 | $ 58,000 |
| BOISE CITY-NAMPA, ID | 7 | $ 549,000 | $ 78,000 | $ 116,000 |
| BRUNSWICK, GA | 7 | $ 1,102,000 | $ 157,000 | $ 103,000 |
| FLORENCE, SC | 7 | $ 435,000 | $ 62,000 | $ 45,000 |
| FORT WAYNE, IN | 7 | $ 969,000 | $ 138,000 | $ 82,000 |
| HONOLULU, HI | 7 | $ 2,769,000 | $ 395,000 | $ 99,000 |
| ITHACA, NY | 7 | $ 830,000 | $ 118,000 | $ 63,000 |
| KNOXVILLE, TN | 7 | $ 587,000 | $ 83,000 | $ 57,000 |
| MOUNT VERNON-ANACORTES, WA | 7 | $ 843,000 | $ 120,000 | $ 50,000 |
| NILES-BENTON HARBOR, MI | 7 | $ 740,000 | $ 105,000 | $ 37,000 |
| BREMERTON-SILVERDALE, WA | 6 | $ 1,097,000 | $ 182,000 | $ 81,000 |
| CANTON-MASSILLON, OH | 6 | $ 741,000 | $ 123,000 | $ 41,000 |
| CHATTANOOGA, TN-GA | 6 | $ 289,000 | $ 48,000 | $ 38,000 |
| DALTON, GA | 6 | $ 1,443,000 | $ 240,000 | $ 92,000 |
| GAINESVILLE, FL | 6 | $ 986,000 | $ 164,000 | $ 310,000 |
| GREENVILLE, NC | 6 | $ 926,000 | $ 154,000 | $ 100,000 |
| JACKSON, MI | 6 | $ 941,000 | $ 156,000 | $ 109,000 |
| JACKSON, MS | 6 | $ 552,000 | $ 92,000 | $ 41,000 |
| KALAMAZOO-PORTAGE, MI | 6 | $ 595,000 | $ 99,000 | $ 28,000 |
| MERCED, CA | 6 | $ 1,049,000 | $ 174,000 | $ 67,000 |
| OLYMPIA, WA | 6 | $ 813,000 | $ 135,000 | $ 104,000 |
| PASCAGOULA, MS | 6 | $ 499,000 | $ 83,000 | $ 69,000 |
| PRESCOTT, AZ | 6 | $ 1,921,000 | $ 320,000 | $ 66,000 |
| SANTA FE, NM | 6 | $ 2,022,000 | $ 337,000 | $ 232,000 |
| TUSCALOOSA, AL | 6 | $ 475,000 | $ 79,000 | $ 58,000 |
| WILMINGTON, NC | 6 | $ 1,297,000 | $ 216,000 | $ 97,000 |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA | 6 | $ 554,000 | $ 92,000 | $ 38,000 |
| ALTOONA, PA | 5 | $ 543,000 | $ 108,000 | $ 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 | $ 136,000 | $ 16,000 |
| VERO BEACH, FL | 5 | $ 376,000 | $ 75,000 | $ 111,000 |
| WARNER ROBINS, GA | 5 | $ 381,000 | $ 76,000 | $ 48,000 |
| WILLIAMSPORT, PA | 5 | $ 419,000 | $ 83,000 | $ 45,000 |
| BANGOR, ME | 4 | $ 414,000 | $ 103,000 | $ 44,000 |
| BILLINGS, MT | 4 | $ 233,000 | $ 58,000 | $ 1,000 |
| BURLINGTON, NC | 4 | $ 500,000 | $ 125,000 | $ 76,000 |
| CHEYENNE, WY | 4 | $ 357,000 | $ 89,000 | $ 67,000 |
| CHICO, CA | 4 | $ 1,072,000 | $ 268,000 | $ 149,000 |
| DOTHAN, AL | 4 | $ 543,000 | $ 135,000 | $ 95,000 |
| GARY, IN | 4 | $ 473,000 | $ 118,000 | $ 49,000 |
| LEBANON, PA | 4 | $ 413,000 | $ 103,000 | $ 70,000 |
| LIMA, OH | 4 | $ 287,000 | $ 71,000 | $ 59,000 |
| MADERA, CA | 4 | $ 528,000 | $ 132,000 | $ 119,000 |
| MCALLEN-EDINBURG-PHARR, TX | 4 | $ 458,000 | $ 114,000 | $ 34,000 |
| MILWAUKEE-WAUKESHA-WEST ALLIS, WI | 4 | $ 390,000 | $ 97,000 | $ 40,000 |
| NAPA, CA | 4 | $ 907,000 | $ 226,000 | $ 73,000 |
| SAGINAW-SAGINAW TOWNSHIP NORTH, MI | 4 | $ 348,000 | $ 87,000 | $ 21,000 |
| SANDUSKY, OH | 4 | $ 533,000 | $ 133,000 | $ 226,000 |
| ALBANY, GA | 3 | $ 329,000 | $ 109,000 | $ 36,000 |
| BATTLE CREEK, MI | 3 | $ 294,000 | $ 98,000 | $ 23,000 |
| CLARKSVILLE, TN-KY | 3 | $ 211,000 | $ 70,000 | $ 132,000 |
| DES MOINES, IA | 3 | $ 271,000 | $ 90,000 | $ 29,000 |
| EVANSVILLE, IN-KY | 3 | $ 464,000 | $ 154,000 | $ 146,000 |
| LINCOLN, NE | 3 | $ 270,000 | $ 90,000 | $ 84,000 |
| LONGVIEW, TX | 3 | $ 236,000 | $ 78,000 | $ 32,000 |
| MONROE, MI | 3 | $ 646,000 | $ 215,000 | $ 70,000 |
| PEORIA, IL | 3 | $ 398,000 | $ 132,000 | $ 59,000 |
| PROVO-OREM, UT | 3 | $ 627,000 | $ 209,000 | $ 182,000 |
| REDDING, CA | 3 | $ 455,000 | $ 151,000 | $ 84,000 |
| ROANOKE, VA | 3 | $ 212,000 | $ 70,000 | $ 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 | $ 114,000 | $ 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 | $ 84,000 | $ 120,000 |
| DULUTH, MN-WI | 2 | $ 348,000 | $ 174,000 | $ 102,000 |
| EL PASO, TX | 2 | $ 343,000 | $ 171,000 | $ 57,000 |
| EUGENE-SPRINGFIELD, OR | 2 | $ 240,000 | $ 120,000 | $ 0 |
| FARMINGTON, NM | 2 | $ 83,000 | $ 41,000 | $ 51,000 |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR-MO | 2 | $ 266,000 | $ 133,000 | $ 74,000 |
| FLORENCE-MUSCLE SHOALS, AL | 2 | $ 345,000 | $ 172,000 | $ 60,000 |
| GREEN BAY, WI | 2 | $ 155,000 | $ 77,000 | $ 45,000 |
| GREENSBORO-HIGH POINT, NC | 2 | $ 279,000 | $ 139,000 | $ 81,000 |
| HANFORD-CORCORAN, CA | 2 | $ 83,000 | $ 41,000 | $ 42,000 |
| HOUMA-BAYOU CANE-THIBODAUX, LA | 2 | $ 177,000 | $ 88,000 | $ 45,000 |
| JACKSONVILLE, NC | 2 | $ 219,000 | $ 109,000 | $ 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 | $ 132,000 | $ 99,000 |
| LYNCHBURG, VA | 2 | $ 115,000 | $ 57,000 | $ 48,000 |
| MANSFIELD, OH | 2 | $ 100,000 | $ 50,000 | $ 134,000 |
| MICHIGAN CITY-LA PORTE, IN | 2 | $ 169,000 | $ 84,000 | $ 168,000 |
| MORRISTOWN, TN | 2 | $ 223,000 | $ 111,000 | $ 12,000 |
| MUSKEGON-NORTON SHORES, MI | 2 | $ 178,000 | $ 89,000 | $ 37,000 |
| OGDEN-CLEARFIELD, UT | 2 | $ 303,000 | $ 151,000 | $ 47,000 |
| ROCHESTER, MN | 2 | $ 303,000 | $ 151,000 | $ 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 | $ 75,000 | $ 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 | $ 91,000 | $ 41,000 |
| YUBA CITY, CA | 2 | $ 219,000 | $ 109,000 | $ 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.