Ownit Mortgage Solutions, Inc Mortgage Lending & HMDA Data, 2005
In 2005, Ownit Mortgage Solutions, Inc of Agoura Hills, CA reported 79,690 mortgage applications totaling $11.4 billion, up 100% from 2004. The average application was for $142,685, and applicants reported an average income of $87,297. 72% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Denver-Aurora, CO (4,255), Los Angeles-Long Beach-Glendale, CA (3,167) and Atlanta-Sandy Springs-Marietta, GA (2,783) (applications in parentheses).
| Mortgage Company & Address | Ownit Mortgage Solutions, Inc 27349 Agoura Rd # 100 Agoura Hills, CA 91301 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 2004 |
| Total Number of Mortgage Applications | 79,690 |
| Total Mortgage Loan Application Amount | $11,370,635,000 |
| Average Mortgage Loan Application Amount | $142,685 |
| Highest Mortgage Loan Application Amount | $1,007,000 |
| Average Applicant Income | $87,297 |
| Highest Applicant Income | $1,999,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Ownit Mortgage Solutions, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Denver-Aurora, CO | 4,255 | $ 510,311,000 | $ 119,932 | $ 112,000 |
| Los Angeles-Long Beach-Glendale, CA | 3,167 | $ 741,864,000 | $ 234,248 | $ 132,000 |
| Atlanta-Sandy Springs-Marietta, GA | 2,783 | $ 289,204,000 | $ 103,918 | $ 85,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 2,775 | $ 561,302,000 | $ 202,270 | $ 121,000 |
| Portland-Vancouver-Beaverton, OR-WA | 2,688 | $ 355,937,000 | $ 132,417 | $ 75,000 |
| Riverside-San Bernardino-Ontario, CA | 2,532 | $ 522,278,000 | $ 206,270 | $ 104,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2,421 | $ 312,715,000 | $ 129,167 | $ 99,000 |
| Seattle-Bellevue-Everett, WA | 2,074 | $ 325,053,000 | $ 156,727 | $ 86,000 |
| San Diego-Carlsbad-San Marcos, CA | 1,821 | $ 450,348,000 | $ 247,308 | $ 135,000 |
| Cincinnati-Middletown, OH-KY-IN | 1,793 | $ 177,814,000 | $ 99,171 | $ 64,000 |
| Boise City-Nampa, ID | 1,789 | $ 152,616,000 | $ 85,307 | $ 70,000 |
| Bakersfield, CA | 1,255 | $ 182,692,000 | $ 145,571 | $ 103,000 |
| Salt Lake City, UT | 1,211 | $ 122,504,000 | $ 101,159 | $ 64,000 |
| Oakland-Fremont-Hayward, CA | 1,129 | $ 310,376,000 | $ 274,912 | $ 155,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1,085 | $ 295,424,000 | $ 272,280 | $ 142,000 |
| Nashville-Davidson--Murfreesboro, TN | 979 | $ 76,925,000 | $ 78,575 | $ 60,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 932 | $ 281,160,000 | $ 301,673 | $ 141,000 |
| Columbus, OH | 913 | $ 93,403,000 | $ 102,303 | $ 73,000 |
| Cleveland-Elyria-Mentor, OH | 911 | $ 96,039,000 | $ 105,421 | $ 66,000 |
| Detroit-Livonia-Dearborn, MI | 861 | $ 77,260,000 | $ 89,732 | $ 78,000 |
| Tacoma, WA | 857 | $ 108,372,000 | $ 126,455 | $ 68,000 |
| Stockton, CA | 844 | $ 180,560,000 | $ 213,933 | $ 104,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 812 | $ 107,309,000 | $ 132,153 | $ 77,000 |
| Dayton, OH | 769 | $ 68,004,000 | $ 88,431 | $ 64,000 |
| Colorado Springs, CO | 751 | $ 80,142,000 | $ 106,713 | $ 83,000 |
| Milwaukee-Waukesha-West Allis, WI | 678 | $ 66,081,000 | $ 97,464 | $ 95,000 |
| Las Vegas-Paradise, NV | 627 | $ 108,984,000 | $ 173,818 | $ 123,000 |
| Warren-Farmington Hills-Troy, MI | 575 | $ 69,352,000 | $ 120,612 | $ 76,000 |
| Kansas City, MO-KS | 559 | $ 47,998,000 | $ 85,864 | $ 64,000 |
| Greeley, CO | 523 | $ 55,414,000 | $ 105,954 | $ 103,000 |
| Modesto, CA | 505 | $ 95,751,000 | $ 189,605 | $ 117,000 |
| Fresno, CA | 466 | $ 70,598,000 | $ 151,497 | $ 83,000 |
| Salem, OR | 454 | $ 46,991,000 | $ 103,504 | $ 71,000 |
| Fort Collins-Loveland, CO | 434 | $ 52,689,000 | $ 121,403 | $ 74,000 |
| Santa Ana-Anaheim-Irvine, CA | 424 | $ 128,159,000 | $ 302,261 | $ 136,000 |
| Tampa-St. Petersburg-Clearwater, FL | 420 | $ 48,684,000 | $ 115,914 | $ 65,000 |
| Ogden-Clearfield, UT | 419 | $ 39,830,000 | $ 95,059 | $ 75,000 |
| St. Louis, MO-IL | 388 | $ 36,939,000 | $ 95,203 | $ 71,000 |
| Memphis, TN-MS-AR | 372 | $ 28,272,000 | $ 76,000 | $ 87,000 |
| Charlotte-Gastonia-Concord, NC-SC | 366 | $ 32,212,000 | $ 88,010 | $ 47,000 |
| Sarasota-Bradenton-Venice, FL | 355 | $ 51,014,000 | $ 143,701 | $ 85,000 |
| Akron, OH | 338 | $ 33,026,000 | $ 97,710 | $ 53,000 |
| Vallejo-Fairfield, CA | 330 | $ 82,045,000 | $ 248,621 | $ 113,000 |
| Lexington-Fayette, KY | 328 | $ 26,390,000 | $ 80,457 | $ 52,000 |
| Provo-Orem, UT | 301 | $ 30,499,000 | $ 101,325 | $ 75,000 |
| Reno-Sparks, NV | 287 | $ 50,283,000 | $ 175,202 | $ 80,000 |
| Eugene-Springfield, OR | 270 | $ 29,390,000 | $ 108,851 | $ 83,000 |
| Orlando, FL | 247 | $ 33,271,000 | $ 134,700 | $ 73,000 |
| Wichita, KS | 237 | $ 16,849,000 | $ 71,092 | $ 46,000 |
| Yuba City, CA | 234 | $ 35,857,000 | $ 153,235 | $ 75,000 |
| Longview, WA | 226 | $ 19,582,000 | $ 86,646 | $ 58,000 |
| San Francisco-San Mateo-Redwood City, CA | 223 | $ 78,098,000 | $ 350,215 | $ 172,000 |
| Merced, CA | 218 | $ 42,041,000 | $ 192,848 | $ 100,000 |
| Bremerton-Silverdale, WA | 217 | $ 29,040,000 | $ 133,824 | $ 62,000 |
| Salinas, CA | 211 | $ 64,232,000 | $ 304,417 | $ 130,000 |
| El Centro, CA | 205 | $ 29,492,000 | $ 143,863 | $ 85,000 |
| Redding, CA | 194 | $ 27,034,000 | $ 139,350 | $ 91,000 |
| Louisville, KY-IN | 189 | $ 16,653,000 | $ 88,111 | $ 60,000 |
| Spokane, WA | 188 | $ 17,351,000 | $ 92,292 | $ 52,000 |
| Springfield, OH | 185 | $ 15,766,000 | $ 85,221 | $ 51,000 |
| Des Moines, IA | 181 | $ 15,890,000 | $ 87,790 | $ 54,000 |
| Medford, OR | 181 | $ 28,322,000 | $ 156,475 | $ 98,000 |
| Omaha-Council Bluffs, NE-IA | 175 | $ 14,106,000 | $ 80,605 | $ 68,000 |
| Grand Junction, CO | 174 | $ 15,701,000 | $ 90,235 | $ 105,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 174 | $ 39,203,000 | $ 225,304 | $ 129,000 |
| Boulder, CO | 173 | $ 24,144,000 | $ 139,560 | $ 74,000 |
| Santa Rosa-Petaluma, CA | 171 | $ 47,975,000 | $ 280,555 | $ 129,000 |
| Olympia, WA | 157 | $ 17,922,000 | $ 114,152 | $ 73,000 |
| Chico, CA | 146 | $ 19,914,000 | $ 136,397 | $ 100,000 |
| Indianapolis, IN | 145 | $ 15,905,000 | $ 109,689 | $ 73,000 |
| Pensacola-Ferry Pass-Brent, FL | 141 | $ 14,412,000 | $ 102,212 | $ 85,000 |
| Tucson, AZ | 141 | $ 16,735,000 | $ 118,687 | $ 73,000 |
| Visalia-Porterville, CA | 141 | $ 21,215,000 | $ 150,460 | $ 71,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 131 | $ 21,679,000 | $ 165,488 | $ 84,000 |
| Fort Walton Beach-Crestview-Destin, FL | 129 | $ 18,193,000 | $ 141,031 | $ 101,000 |
| Youngstown-Warren-Boardman, OH-PA | 119 | $ 10,143,000 | $ 85,235 | $ 53,000 |
| Raleigh-Cary, NC | 117 | $ 11,721,000 | $ 100,179 | $ 83,000 |
| Flint, MI | 111 | $ 10,209,000 | $ 91,972 | $ 48,000 |
| Knoxville, TN | 105 | $ 8,078,000 | $ 76,933 | $ 86,000 |
| Columbia, SC | 100 | $ 8,820,000 | $ 88,200 | $ 50,000 |
| Santa Cruz-Watsonville, CA | 97 | $ 32,753,000 | $ 337,659 | $ 178,000 |
| Idaho Falls, ID | 94 | $ 6,880,000 | $ 73,191 | $ 53,000 |
| Mount Vernon-Anacortes, WA | 94 | $ 11,518,000 | $ 122,531 | $ 61,000 |
| Yakima, WA | 93 | $ 7,843,000 | $ 84,333 | $ 47,000 |
| Topeka, KS | 92 | $ 7,068,000 | $ 76,826 | $ 69,000 |
| Canton-Massillon, OH | 91 | $ 8,293,000 | $ 91,131 | $ 56,000 |
| Lincoln, NE | 90 | $ 6,365,000 | $ 70,722 | $ 48,000 |
| Gainesville, GA | 86 | $ 7,417,000 | $ 86,244 | $ 84,000 |
| Toledo, OH | 86 | $ 8,175,000 | $ 95,058 | $ 53,000 |
| Clarksville, TN-KY | 85 | $ 4,797,000 | $ 56,435 | $ 44,000 |
| Pocatello, ID | 82 | $ 5,146,000 | $ 62,756 | $ 56,000 |
| Bellingham, WA | 81 | $ 12,571,000 | $ 155,197 | $ 72,000 |
| Pueblo, CO | 76 | $ 6,893,000 | $ 90,697 | $ 84,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 74 | $ 6,705,000 | $ 90,608 | $ 70,000 |
| Oklahoma City, OK | 74 | $ 4,601,000 | $ 62,175 | $ 48,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 71 | $ 11,701,000 | $ 164,802 | $ 93,000 |
| Bend, OR | 67 | $ 9,532,000 | $ 142,268 | $ 149,000 |
| San Luis Obispo-Paso Robles, CA | 67 | $ 18,045,000 | $ 269,328 | $ 136,000 |
| Columbus, GA-AL | 64 | $ 5,084,000 | $ 79,437 | $ 65,000 |
| Madera, CA | 64 | $ 9,966,000 | $ 155,718 | $ 98,000 |
| St. George, UT | 64 | $ 7,875,000 | $ 123,046 | $ 73,000 |
| Jacksonville, FL | 63 | $ 6,905,000 | $ 109,603 | $ 80,000 |
| Green Bay, WI | 58 | $ 5,265,000 | $ 90,775 | $ 50,000 |
| Panama City-Lynn Haven, FL | 57 | $ 7,870,000 | $ 138,070 | $ 80,000 |
| Wilmington, NC | 57 | $ 6,556,000 | $ 115,017 | $ 76,000 |
| Fayetteville, NC | 54 | $ 3,709,000 | $ 68,685 | $ 52,000 |
| Miami-Miami Beach-Kendall, FL | 53 | $ 10,089,000 | $ 190,358 | $ 101,000 |
| Mansfield, OH | 52 | $ 4,930,000 | $ 94,807 | $ 50,000 |
| Port St. Lucie-Fort Pierce, FL | 52 | $ 7,764,000 | $ 149,307 | $ 90,000 |
| Racine, WI | 52 | $ 5,493,000 | $ 105,634 | $ 213,000 |
| Kennewick-Richland-Pasco, WA | 51 | $ 3,754,000 | $ 73,607 | $ 50,000 |
| Napa, CA | 51 | $ 14,841,000 | $ 291,000 | $ 158,000 |
| Hanford-Corcoran, CA | 49 | $ 6,763,000 | $ 138,020 | $ 51,000 |
| Charleston-North Charleston, SC | 47 | $ 5,194,000 | $ 110,510 | $ 74,000 |
| Prescott, AZ | 45 | $ 5,939,000 | $ 131,977 | $ 83,000 |
| Lima, OH | 44 | $ 3,529,000 | $ 80,204 | $ 63,000 |
| Augusta-Richmond County, GA-SC | 42 | $ 3,040,000 | $ 72,380 | $ 45,000 |
| Lakeland, FL | 41 | $ 5,325,000 | $ 129,878 | $ 75,000 |
| Appleton, WI | 40 | $ 2,899,000 | $ 72,475 | $ 64,000 |
| Sandusky, OH | 40 | $ 3,801,000 | $ 95,025 | $ 48,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 39 | $ 5,018,000 | $ 128,666 | $ 76,000 |
| Cape Coral-Fort Myers, FL | 38 | $ 4,910,000 | $ 129,210 | $ 77,000 |
| Punta Gorda, FL | 38 | $ 4,619,000 | $ 121,552 | $ 57,000 |
| Greensboro-High Point, NC | 37 | $ 3,593,000 | $ 97,108 | $ 63,000 |
| Oshkosh-Neenah, WI | 37 | $ 2,860,000 | $ 77,297 | $ 41,000 |
| Coeur D'Alene, ID | 36 | $ 4,235,000 | $ 117,638 | $ 96,000 |
| Davenport-Moline-Rock Island, IA-IL | 35 | $ 2,886,000 | $ 82,457 | $ 51,000 |
| Carson City, NV | 33 | $ 5,361,000 | $ 162,454 | $ 219,000 |
| Lansing-East Lansing, MI | 33 | $ 3,692,000 | $ 111,878 | $ 97,000 |
| Athens-Clarke County, GA | 32 | $ 2,911,000 | $ 90,968 | $ 61,000 |
| Chicago-Naperville-Joliet, IL | 31 | $ 4,253,000 | $ 137,193 | $ 78,000 |
| Janesville, WI | 31 | $ 2,355,000 | $ 75,967 | $ 49,000 |
| Macon, GA | 31 | $ 2,941,000 | $ 94,870 | $ 60,000 |
| Palm Bay-Melbourne-Titusville, FL | 31 | $ 3,318,000 | $ 107,032 | $ 50,000 |
| Rocky Mount, NC | 31 | $ 2,564,000 | $ 82,709 | $ 43,000 |
| Ann Arbor, MI | 30 | $ 3,749,000 | $ 124,966 | $ 62,000 |
| Savannah, GA | 30 | $ 3,248,000 | $ 108,266 | $ 58,000 |
| Madison, WI | 29 | $ 2,898,000 | $ 99,931 | $ 55,000 |
| Fort Wayne, IN | 28 | $ 2,470,000 | $ 88,214 | $ 71,000 |
| Durham, NC | 27 | $ 3,187,000 | $ 118,037 | $ 233,000 |
| Wausau, WI | 27 | $ 1,999,000 | $ 74,037 | $ 77,000 |
| Wenatchee, WA | 26 | $ 2,536,000 | $ 97,538 | $ 57,000 |
| Brunswick, GA | 24 | $ 2,826,000 | $ 117,750 | $ 50,000 |
| Camden, NJ | 24 | $ 2,819,000 | $ 117,458 | $ 64,000 |
| Winston-Salem, NC | 24 | $ 3,000,000 | $ 125,000 | $ 69,000 |
| Morristown, TN | 23 | $ 1,225,000 | $ 53,260 | $ 73,000 |
| St. Joseph, MO-KS | 23 | $ 1,462,000 | $ 63,565 | $ 36,000 |
| Yuma, AZ | 21 | $ 2,461,000 | $ 117,190 | $ 62,000 |
| Greenville, SC | 20 | $ 1,425,000 | $ 71,250 | $ 36,000 |
| Philadelphia, PA | 20 | $ 2,226,000 | $ 111,300 | $ 56,000 |
| Chattanooga, TN-GA | 19 | $ 2,063,000 | $ 108,578 | $ 80,000 |
| Logan, UT-ID | 19 | $ 1,845,000 | $ 97,105 | $ 41,000 |
| Valdosta, GA | 19 | $ 1,617,000 | $ 85,105 | $ 62,000 |
| Bowling Green, KY | 18 | $ 1,577,000 | $ 87,611 | $ 63,000 |
| Monroe, MI | 18 | $ 2,604,000 | $ 144,666 | $ 103,000 |
| Ocala, FL | 18 | $ 1,613,000 | $ 89,611 | $ 42,000 |
| Hickory-Lenoir-Morganton, NC | 17 | $ 1,257,000 | $ 73,941 | $ 41,000 |
| Joplin, MO | 17 | $ 1,033,000 | $ 60,764 | $ 38,000 |
| South Bend-Mishawaka, IN-MI | 17 | $ 1,491,000 | $ 87,705 | $ 95,000 |
| Gary, IN | 16 | $ 1,558,000 | $ 97,375 | $ 69,000 |
| St. Cloud, MN | 16 | $ 1,643,000 | $ 102,687 | $ 65,000 |
| Battle Creek, MI | 15 | $ 1,197,000 | $ 79,800 | $ 36,000 |
| Corvallis, OR | 15 | $ 1,485,000 | $ 99,000 | $ 92,000 |
| Terre Haute, IN | 14 | $ 1,299,000 | $ 92,785 | $ 45,000 |
| Casper, WY | 13 | $ 906,000 | $ 69,692 | $ 43,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 13 | $ 1,643,000 | $ 126,384 | $ 111,000 |
| Springfield, MO | 13 | $ 1,151,000 | $ 88,538 | $ 63,000 |
| Jackson, MI | 12 | $ 1,238,000 | $ 103,166 | $ 47,000 |
| Asheville, NC | 11 | $ 1,234,000 | $ 112,181 | $ 70,000 |
| Bloomington, IN | 11 | $ 1,243,000 | $ 113,000 | $ 105,000 |
| Cedar Rapids, IA | 11 | $ 912,000 | $ 82,909 | $ 29,000 |
| Cheyenne, WY | 11 | $ 1,078,000 | $ 98,000 | $ 54,000 |
| Lawrence, KS | 11 | $ 1,002,000 | $ 91,090 | $ 54,000 |
| Tallahassee, FL | 11 | $ 1,880,000 | $ 170,909 | $ 74,000 |
| Fond Du Lac, WI | 10 | $ 638,000 | $ 63,800 | $ 44,000 |
| Grand Rapids-Wyoming, MI | 10 | $ 1,072,000 | $ 107,200 | $ 57,000 |
| Jacksonville, NC | 10 | $ 910,000 | $ 91,000 | $ 74,000 |
| Florence, SC | 9 | $ 638,000 | $ 70,888 | $ 42,000 |
| Saginaw-Saginaw Township North, MI | 9 | $ 793,000 | $ 88,111 | $ 32,000 |
| Ames, IA | 8 | $ 562,000 | $ 70,250 | $ 37,000 |
| Baltimore-Towson, MD | 8 | $ 1,227,000 | $ 153,375 | $ 107,000 |
| Columbia, MO | 8 | $ 595,000 | $ 74,375 | $ 125,000 |
| Jackson, TN | 8 | $ 574,000 | $ 71,750 | $ 34,000 |
| Lafayette, IN | 8 | $ 842,000 | $ 105,250 | $ 54,000 |
| Sheboygan, WI | 8 | $ 674,000 | $ 84,250 | $ 43,000 |
| Hot Springs, AR | 7 | $ 546,000 | $ 78,000 | $ 51,000 |
| Rochester, MN | 7 | $ 743,000 | $ 106,142 | $ 54,000 |
| Albany, GA | 6 | $ 687,000 | $ 114,500 | $ 66,000 |
| Edison, NJ | 6 | $ 1,395,000 | $ 232,500 | $ 80,000 |
| Elizabethtown, KY | 6 | $ 377,000 | $ 62,833 | $ 36,000 |
| Holland-Grand Haven, MI | 6 | $ 622,000 | $ 103,666 | $ 41,000 |
| Naples-Marco Island, FL | 6 | $ 1,072,000 | $ 178,666 | $ 69,000 |
| Warner Robins, GA | 6 | $ 445,000 | $ 74,166 | $ 45,000 |
| Dalton, GA | 5 | $ 349,000 | $ 69,800 | $ 41,000 |
| Flagstaff, AZ | 5 | $ 743,000 | $ 148,600 | $ 39,000 |
| Hinesville-Fort Stewart, GA | 5 | $ 350,000 | $ 70,000 | $ 65,000 |
| Kalamazoo-Portage, MI | 5 | $ 527,000 | $ 105,400 | $ 156,000 |
| Little Rock-North Little Rock, AR | 5 | $ 609,000 | $ 121,800 | $ 68,000 |
| Rome, GA | 5 | $ 367,000 | $ 73,400 | $ 47,000 |
| Anderson, IN | 4 | $ 236,000 | $ 59,000 | $ 47,000 |
| Bethesda-Frederick-Gaithersburg, MD | 4 | $ 1,271,000 | $ 317,750 | $ 117,000 |
| Burlington, NC | 4 | $ 299,000 | $ 74,750 | $ 41,000 |
| Fort Smith, AR-OK | 4 | $ 221,000 | $ 55,250 | $ 49,000 |
| Jackson, MS | 4 | $ 255,000 | $ 63,750 | $ 72,000 |
| Kingsport-Bristol-Bristol, TN-VA | 4 | $ 422,000 | $ 105,500 | $ 49,000 |
| Tulsa, OK | 4 | $ 331,000 | $ 82,750 | $ 43,000 |
| Vero Beach, FL | 4 | $ 298,000 | $ 74,500 | $ 34,000 |
| Altoona, PA | 3 | $ 177,000 | $ 59,000 | $ 26,000 |
| Eau Claire, WI | 3 | $ 204,000 | $ 68,000 | $ 24,000 |
| Elkhart-Goshen, IN | 3 | $ 168,000 | $ 56,000 | $ 53,000 |
| Evansville, IN-KY | 3 | $ 173,000 | $ 57,666 | $ 28,000 |
| Johnson City, TN | 3 | $ 299,000 | $ 99,666 | $ 43,000 |
| Lancaster, PA | 3 | $ 381,000 | $ 127,000 | $ 46,000 |
| Muncie, IN | 3 | $ 176,000 | $ 58,666 | $ 30,000 |
| Niles-Benton Harbor, MI | 3 | $ 308,000 | $ 102,666 | $ 132,000 |
| Sumter, SC | 3 | $ 207,000 | $ 69,000 | $ 58,000 |
| Waterloo-Cedar Falls, IA | 3 | $ 200,000 | $ 66,666 | $ 44,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 163,000 | $ 81,500 | $ 36,000 |
| Auburn-Opelika, AL | 2 | $ 149,000 | $ 74,500 | $ 44,000 |
| Bay City, MI | 2 | $ 153,000 | $ 76,500 | $ 30,000 |
| Cleveland, TN | 2 | $ 130,000 | $ 65,000 | $ 34,000 |
| Dubuque, IA | 2 | $ 94,000 | $ 47,000 | $ 42,000 |
| Duluth, MN-WI | 2 | $ 135,000 | $ 67,500 | $ 29,000 |
| Gainesville, FL | 2 | $ 216,000 | $ 108,000 | $ 77,000 |
| Jefferson City, MO | 2 | $ 238,000 | $ 119,000 | $ 155,000 |
| La Crosse, WI-MN | 2 | $ 238,000 | $ 119,000 | $ 72,000 |
| Lewiston, ID-WA | 2 | $ 131,000 | $ 65,500 | $ 90,000 |
| Michigan City-La Porte, IN | 2 | $ 187,000 | $ 93,500 | $ 57,000 |
| Muskegon-Norton Shores, MI | 2 | $ 237,000 | $ 118,500 | $ 43,000 |
| Newark-Union, NJ-PA | 2 | $ 400,000 | $ 200,000 | $ 182,000 |
| Owensboro, KY | 2 | $ 154,000 | $ 77,000 | $ 75,000 |
| Peoria, IL | 2 | $ 185,000 | $ 92,500 | $ 25,000 |
| Rockford, IL | 2 | $ 143,000 | $ 71,500 | $ 81,000 |
| Sioux City, IA-NE-SD | 2 | $ 257,000 | $ 128,500 | $ 47,000 |
| Spartanburg, SC | 2 | $ 222,000 | $ 111,000 | $ 57,000 |
| Vineland-Millville-Bridgeton, NJ | 2 | $ 187,000 | $ 93,500 | $ 26,000 |
| Atlantic City, NJ | 1 | $ 145,000 | $ 145,000 | $ 69,000 |
| Billings, MT | 1 | $ 162,000 | $ 162,000 | $ 90,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 309,000 | $ 309,000 | $ 77,000 |
| Columbus, IN | 1 | $ 105,000 | $ 105,000 | $ 47,000 |
| Dallas-Plano-Irving, TX | 1 | $ 158,000 | $ 158,000 | $ 68,000 |
| Decatur, IL | 1 | $ 51,000 | $ 51,000 | $ 63,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 226,000 | $ 226,000 | $ 43,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 164,000 | $ 164,000 | $ 180,000 |
| Houston-Baytown-Sugar Land, TX | 1 | $ 232,000 | $ 232,000 | $ 50,000 |
| Kokomo, IN | 1 | $ 77,000 | $ 77,000 | $ 28,000 |
| Lawton, OK | 1 | $ 64,000 | $ 64,000 | $ 140,000 |
| Missoula, MT | 1 | $ 149,000 | $ 149,000 | $ 45,000 |
| New Haven-Milford, CT | 1 | $ 142,000 | $ 142,000 | $ 79,000 |
| Pine Bluff, AR | 1 | $ 68,000 | $ 68,000 | $ 62,000 |
| Pittsburgh, PA | 1 | $ 56,000 | $ 56,000 | $ 150,000 |
| Reading, PA | 1 | $ 117,000 | $ 117,000 | $ 84,000 |
| Springfield, IL | 1 | $ 58,000 | $ 58,000 | $ 35,000 |
| Trenton-Ewing, NJ | 1 | $ 434,000 | $ 434,000 | $ 258,000 |
| York-Hanover, PA | 1 | $ 47,000 | $ 47,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for Ownit Mortgage Solutions, Inc in 2005
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 | 79,690 | $11,370,635,000 | $115,775 | $1,007,000 | $78,825 | $1,999,000 |
| Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not Provided | 52,792 | $7,522,249,000 | $118,236 | $1,000,000 | $70,894 | $1,999,000 |
| White | 15,405 | $1,987,395,000 | $120,064 | $1,000,000 | $83,354 | $1,999,000 |
| Hispanic | 6,566 | $1,123,132,000 | $95,560 | $800,000 | $80,160 | $1,999,000 |
| Black or African American | 2,850 | $351,628,000 | $114,518 | $875,000 | $90,666 | $1,520,000 |
| Asian | 1,256 | $264,882,000 | $131,789 | $1,007,000 | $86,684 | $1,703,000 |
| Native Hawaiian or Other Pacific Islander | 675 | $99,587,000 | $103,782 | $739,000 | $67,695 | $821,000 |
| American Indian or Alaskan Native | 146 | $21,762,000 | $126,117 | $820,000 | $100,294 | $632,000 |
| 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) | 79,686 | $11,370,369,000 | $115,775 | $1,007,000 | $78,850 | $1,999,000 |
| VA-guaranteed (Veterans Administration) | 4 | $266,000 | $66,500 | $109,000 | $37,000 | $48,000 |
| 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 |
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 | 57,501 | $8,291,890,000 | $112,621 | $998,000 | $67,270 | $1,999,000 |
| Application Denied By Financial Institution | 8,040 | $1,117,727,000 | $118,342 | $1,000,000 | $77,628 | $1,441,000 |
| Application Withdrawn By Applicant | 7,001 | $1,055,874,000 | $123,060 | $1,007,000 | $82,545 | $1,311,000 |
| Application Approved But Not Accepted | 3,297 | $370,109,000 | $119,818 | $1,000,000 | $67,545 | $1,060,000 |
| File Closed For Incompleteness | 2,595 | $325,803,000 | $111,866 | $799,000 | $86,400 | $1,140,000 |
| Preapproval Denied by Financial Institution | 1,249 | $208,723,000 | $129,086 | $784,000 | $105,869 | $574,000 |
| Preapproval Approved but not Accepted | 7 | $509,000 | $73,800 | $140,000 | $58,000 | $250,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 2,905 | $452,475,000 | $119,466 | $1,000,000 | $85,333 | $1,176,000 |
| Credit History | 1,310 | $174,167,000 | $116,413 | $910,000 | $79,482 | $819,000 |
| Debt-To-Income Ratio | 1,262 | $170,371,000 | $114,400 | $770,000 | $67,433 | $466,000 |
| Collateral | 900 | $114,380,000 | $112,866 | $1,000,000 | $86,633 | $1,441,000 |
| Employment History | 228 | $29,054,000 | $122,360 | $529,000 | $67,520 | $275,000 |
| Unverifiable Information | 136 | $20,329,000 | $128,333 | $576,000 | $112,476 | $615,000 |
| Credit Application Incomplete | 32 | $4,651,000 | $96,272 | $407,000 | $73,818 | $250,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $975,000 | $143,000 | $255,000 | $51,800 | $118,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ownit Mortgage Solutions, Inc's 2005 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 Ownit Mortgage Solutions, 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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About