Paragon Home Lending, LLC Mortgage Lending & HMDA Data, 2003
In 2003, Paragon Home Lending, LLC of Brookfield, WI reported 17,106 mortgage applications totaling $2.1 billion. The average application was for $123,303, and applicants reported an average income of $47,930. 57% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Milwaukee-Waukesha, WI (3,056), Chicago, IL (2,285) and Minneapolis-St. Paul, MN-WI (1,569) (applications in parentheses).
| Mortgage Company & Address | Paragon Home Lending, LLC 19435 W. Capitol Drive, Suite 201 Brookfield, WI 53045 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 17,106 |
| Total Mortgage Loan Application Amount | $2,109,228,000 |
| Average Mortgage Loan Application Amount | $123,303 |
| Highest Mortgage Loan Application Amount | $1,310,000 |
| Average Applicant Income | $47,930 |
| Highest Applicant Income | $3,132,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Paragon Home Lending, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Milwaukee-Waukesha, WI | 3,056 | $ 365,849,000 | $ 119,714 | $ 53,000 |
| Chicago, IL | 2,285 | $ 349,954,000 | $ 153,152 | $ 52,000 |
| Minneapolis-St. Paul, MN-WI | 1,569 | $ 250,444,000 | $ 159,620 | $ 50,000 |
| Rockford, IL | 636 | $ 59,851,000 | $ 94,105 | $ 37,000 |
| Appleton-Oshkosh-Neenah, WI | 566 | $ 65,621,000 | $ 115,938 | $ 48,000 |
| Pittsburgh, PA | 520 | $ 58,215,000 | $ 111,951 | $ 51,000 |
| Racine, WI | 397 | $ 44,562,000 | $ 112,246 | $ 40,000 |
| Detroit, MI | 375 | $ 46,787,000 | $ 124,765 | $ 53,000 |
| Indianapolis, IN | 353 | $ 39,836,000 | $ 112,849 | $ 57,000 |
| Louisville, KY-IN | 280 | $ 30,787,000 | $ 109,953 | $ 47,000 |
| Green Bay, WI | 274 | $ 33,045,000 | $ 120,602 | $ 53,000 |
| Kenosha, WI | 250 | $ 31,682,000 | $ 126,728 | $ 39,000 |
| Madison, WI | 202 | $ 32,239,000 | $ 159,599 | $ 49,000 |
| Peoria-Pekin, IL | 184 | $ 15,195,000 | $ 82,581 | $ 36,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 179 | $ 19,881,000 | $ 111,067 | $ 57,000 |
| St. Louis, MO-IL | 145 | $ 13,568,000 | $ 93,572 | $ 38,000 |
| Lexington, KY | 135 | $ 15,060,000 | $ 111,555 | $ 43,000 |
| Orlando, FL | 124 | $ 14,592,000 | $ 117,677 | $ 46,000 |
| Flint, MI | 119 | $ 11,079,000 | $ 93,100 | $ 56,000 |
| Columbus, OH | 116 | $ 13,426,000 | $ 115,741 | $ 44,000 |
| Janesville-Beloit, WI | 116 | $ 11,974,000 | $ 103,224 | $ 42,000 |
| Baltimore, MD | 105 | $ 17,510,000 | $ 166,761 | $ 54,000 |
| Eau Claire, WI | 105 | $ 10,273,000 | $ 97,838 | $ 41,000 |
| Jacksonville, FL | 98 | $ 11,427,000 | $ 116,602 | $ 52,000 |
| Sheboygan, WI | 90 | $ 10,878,000 | $ 120,866 | $ 53,000 |
| Wausau, WI | 80 | $ 8,169,000 | $ 102,112 | $ 49,000 |
| Colorado Springs, CO | 63 | $ 8,814,000 | $ 139,904 | $ 61,000 |
| Gary, IN | 60 | $ 6,133,000 | $ 102,216 | $ 43,000 |
| Philadelphia, PA-NJ | 60 | $ 9,593,000 | $ 159,883 | $ 49,000 |
| Tampa-St. Petersburg-Clearwater, FL | 55 | $ 5,567,000 | $ 101,218 | $ 73,000 |
| Fort Wayne, IN | 52 | $ 5,066,000 | $ 97,423 | $ 49,000 |
| Kansas City, MO-KS | 52 | $ 6,204,000 | $ 119,307 | $ 55,000 |
| Des Moines, IA | 50 | $ 5,445,000 | $ 108,900 | $ 61,000 |
| Washington, DC-MD-VA-WV | 50 | $ 8,467,000 | $ 169,340 | $ 42,000 |
| Harrisburg-Lebanon-Carlisle, PA | 45 | $ 4,927,000 | $ 109,488 | $ 54,000 |
| Cleveland-Lorain-Elyria, OH | 40 | $ 5,654,000 | $ 141,350 | $ 46,000 |
| Dayton-Springfield, OH | 40 | $ 3,457,000 | $ 86,425 | $ 48,000 |
| Lafayette, IN | 38 | $ 3,885,000 | $ 102,236 | $ 43,000 |
| St. Cloud, MN | 37 | $ 4,480,000 | $ 121,081 | $ 57,000 |
| Ann Arbor, MI | 31 | $ 5,058,000 | $ 163,161 | $ 53,000 |
| Lincoln, NE | 31 | $ 3,209,000 | $ 103,516 | $ 62,000 |
| Omaha, NE-IA | 31 | $ 3,583,000 | $ 115,580 | $ 56,000 |
| Akron, OH | 30 | $ 2,894,000 | $ 96,466 | $ 49,000 |
| New Orleans, LA | 29 | $ 3,002,000 | $ 103,517 | $ 52,000 |
| Daytona Beach, FL | 28 | $ 2,798,000 | $ 99,928 | $ 35,000 |
| Melbourne-Titusville-Palm Bay, FL | 28 | $ 2,935,000 | $ 104,821 | $ 41,000 |
| Denver, CO | 25 | $ 4,656,000 | $ 186,240 | $ 72,000 |
| Fort Lauderdale, FL | 25 | $ 3,262,000 | $ 130,480 | $ 63,000 |
| Bloomington, IN | 23 | $ 2,968,000 | $ 129,043 | $ 59,000 |
| Cincinnati, OH-KY-IN | 21 | $ 2,789,000 | $ 132,809 | $ 53,000 |
| Columbia, MO | 21 | $ 2,571,000 | $ 122,428 | $ 51,000 |
| Toledo, OH | 21 | $ 1,889,000 | $ 89,952 | $ 51,000 |
| Cedar Rapids, IA | 18 | $ 2,098,000 | $ 116,555 | $ 52,000 |
| Kokomo, IN | 17 | $ 1,490,000 | $ 87,647 | $ 45,000 |
| Sarasota-Bradenton, FL | 17 | $ 1,947,000 | $ 114,529 | $ 54,000 |
| West Palm Beach-Boca Raton, FL | 17 | $ 2,956,000 | $ 173,882 | $ 139,000 |
| Sioux Falls, SD | 16 | $ 2,071,000 | $ 129,437 | $ 48,000 |
| Bloomington-Normal, IL | 15 | $ 1,916,000 | $ 127,733 | $ 32,000 |
| Lancaster, PA | 15 | $ 1,882,000 | $ 125,466 | $ 59,000 |
| Allentown-Bethlehem-Easton, PA | 14 | $ 1,390,000 | $ 99,285 | $ 45,000 |
| Evansville-Henderson, IN-KY | 14 | $ 1,170,000 | $ 83,571 | $ 52,000 |
| Reading, PA | 14 | $ 1,837,000 | $ 131,214 | $ 48,000 |
| Duluth-Superior, MN-WI | 13 | $ 1,186,000 | $ 91,230 | $ 50,000 |
| Waterloo-Cedar Falls, IA | 13 | $ 989,000 | $ 76,076 | $ 30,000 |
| Wichita, KS | 13 | $ 1,577,000 | $ 121,307 | $ 61,000 |
| Wilmington-Newark, DE-MD | 13 | $ 1,874,000 | $ 144,153 | $ 33,000 |
| Canton-Massillon, OH | 12 | $ 1,524,000 | $ 127,000 | $ 39,000 |
| Erie, PA | 12 | $ 1,199,000 | $ 99,916 | $ 44,000 |
| Hamilton-Middletown, OH | 12 | $ 1,500,000 | $ 125,000 | $ 33,000 |
| Youngstown-Warren, OH | 12 | $ 1,259,000 | $ 104,916 | $ 56,000 |
| Richmond-Petersburg, VA | 11 | $ 1,340,000 | $ 121,818 | $ 11,000 |
| Ocala, FL | 10 | $ 763,000 | $ 76,300 | $ 48,000 |
| Rochester, MN | 10 | $ 1,403,000 | $ 140,300 | $ 41,000 |
| Saginaw-Bay City-Midland, MI | 10 | $ 694,000 | $ 69,400 | $ 40,000 |
| Sharon, PA | 10 | $ 1,037,000 | $ 103,700 | $ 62,000 |
| Gainesville, FL | 9 | $ 1,358,000 | $ 150,888 | $ 47,000 |
| La Crosse, WI-MN | 9 | $ 869,000 | $ 96,555 | $ 28,000 |
| Lansing-East Lansing, MI | 9 | $ 771,000 | $ 85,666 | $ 27,000 |
| Miami, FL | 9 | $ 1,258,000 | $ 139,777 | $ 81,000 |
| Fort Myers-Cape Coral, FL | 8 | $ 994,000 | $ 124,250 | $ 61,000 |
| Grand Rapids-Muskegon-Holland, MI | 8 | $ 1,180,000 | $ 147,500 | $ 49,000 |
| Iowa City, IA | 8 | $ 901,000 | $ 112,625 | $ 60,000 |
| Kalamazoo-Battle Creek, MI | 8 | $ 867,000 | $ 108,375 | $ 51,000 |
| Mansfield, OH | 8 | $ 697,000 | $ 87,125 | $ 37,000 |
| Muncie, IN | 8 | $ 533,000 | $ 66,625 | $ 35,000 |
| Johnstown, PA | 7 | $ 902,000 | $ 128,857 | $ 55,000 |
| Lakeland-Winter Haven, FL | 7 | $ 521,000 | $ 74,428 | $ 48,000 |
| Punta Gorda, FL | 7 | $ 771,000 | $ 110,142 | $ 46,000 |
| Sioux City, IA-NE | 7 | $ 481,000 | $ 68,714 | $ 37,000 |
| St. Joseph, MO | 7 | $ 551,000 | $ 78,714 | $ 37,000 |
| Topeka, KS | 7 | $ 837,000 | $ 119,571 | $ 61,000 |
| Columbia, SC | 6 | $ 448,000 | $ 74,666 | $ 47,000 |
| Kankakee, IL | 6 | $ 547,000 | $ 91,166 | $ 42,000 |
| Lima, OH | 6 | $ 525,000 | $ 87,500 | $ 27,000 |
| Naples, FL | 6 | $ 1,129,000 | $ 188,166 | $ 98,000 |
| Norfolk-Virginia Beach-Newport News, VA-NC | 6 | $ 671,000 | $ 111,833 | $ 61,000 |
| Owensboro, KY | 6 | $ 614,000 | $ 102,333 | $ 51,000 |
| Tallahassee, FL | 6 | $ 600,000 | $ 100,000 | $ 38,000 |
| Pueblo, CO | 5 | $ 784,000 | $ 156,800 | $ 44,000 |
| South Bend, IN | 5 | $ 539,000 | $ 107,800 | $ 89,000 |
| Springfield, MO | 5 | $ 405,000 | $ 81,000 | $ 29,000 |
| Baton Rouge, LA | 4 | $ 396,000 | $ 99,000 | $ 55,000 |
| Charleston-North Charleston, SC | 4 | $ 695,000 | $ 173,750 | $ 65,000 |
| Cumberland, MD-WV | 4 | $ 231,000 | $ 57,750 | $ 46,000 |
| Dubuque, IA | 4 | $ 620,000 | $ 155,000 | $ 37,000 |
| Fort Pierce-Port St. Lucie, FL | 4 | $ 384,000 | $ 96,000 | $ 61,000 |
| Boulder-Longmont, CO | 3 | $ 666,000 | $ 222,000 | $ 53,000 |
| Elkhart-Goshen, IN | 3 | $ 316,000 | $ 105,333 | $ 50,000 |
| Lawrence, KS | 3 | $ 294,000 | $ 98,000 | $ 40,000 |
| Williamsport, PA | 3 | $ 183,000 | $ 61,000 | $ 26,000 |
| York, PA | 3 | $ 231,000 | $ 77,000 | $ 14,000 |
| Champaign-Urbana, IL | 2 | $ 337,000 | $ 168,500 | $ 29,000 |
| Davenport-Moline-Rock Island, IA-IL | 2 | $ 170,000 | $ 85,000 | $ 89,000 |
| Fargo-Moorhead, ND-MN | 2 | $ 156,000 | $ 78,000 | $ 67,000 |
| Grand Junction, CO | 2 | $ 375,000 | $ 187,500 | $ 78,000 |
| Greenville-Spartanburg-Anderson, SC | 2 | $ 227,000 | $ 113,500 | $ 42,000 |
| Pensacola, FL | 2 | $ 157,000 | $ 78,500 | $ 48,000 |
| Roanoke, VA | 2 | $ 217,000 | $ 108,500 | $ 58,000 |
| Springfield, IL | 2 | $ 192,000 | $ 96,000 | $ 10,000 |
| Sumter, SC | 2 | $ 147,000 | $ 73,500 | $ 36,000 |
| Terre Haute, IN | 2 | $ 265,000 | $ 132,500 | $ 120,000 |
| Atlanta, GA | 1 | $ 100,000 | $ 100,000 | $ 130,000 |
| Benton Harbor, MI | 1 | $ 248,000 | $ 248,000 | $ 174,000 |
| Decatur, IL | 1 | $ 114,000 | $ 114,000 | $ 69,000 |
| Florence, SC | 1 | $ 80,000 | $ 80,000 | $ 38,000 |
| Fort Collins-Loveland, CO | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Fort Walton Beach, FL | 1 | $ 62,000 | $ 62,000 | $ 0 |
| Greeley, CO | 1 | $ 148,000 | $ 148,000 | $ 96,000 |
| Jackson, MI | 1 | $ 71,000 | $ 71,000 | $ 60,000 |
| Joplin, MO | 1 | $ 63,000 | $ 63,000 | $ 44,000 |
| Vineland-Millville-Bridgeton, NJ | 1 | $ 40,000 | $ 40,000 | $ 15,000 |
Mortgage Loan Application Detail Totals for Paragon Home Lending, 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 |
|---|---|---|---|---|---|---|
| Home Purchase (one-to-four family) | 16,537 | $2,042,266,000 | $119,680 | $1,310,000 | $51,960 | $3,132,000 |
| Refinancing (home purchase or home improvement, one-to-four family) | 569 | $66,962,000 | $115,789 | $550,000 | $35,789 | $704,000 |
| Home Improvement (one-to-four family) | 0 | $0 | $0 | $0 | $0 | $0 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 | 9,408 | $1,164,518,000 | $120,333 | $1,310,000 | $51,666 | $1,044,000 |
| Information not provided by applicant in mail or telephone application | 5,041 | $650,081,000 | $117,708 | $1,260,000 | $40,250 | $3,132,000 |
| Black | 1,513 | $159,309,000 | $118,600 | $736,000 | $52,850 | $520,000 |
| Hispanic | 817 | $89,312,000 | $112,473 | $358,000 | $46,210 | $210,000 |
| Asian or Pacific Islander | 177 | $26,281,000 | $150,062 | $783,000 | $69,750 | $254,000 |
| Other | 92 | $13,185,000 | $142,117 | $266,000 | $68,470 | $1,200,000 |
| American Indian or Alaskan Native | 58 | $6,542,000 | $110,200 | $348,000 | $59,400 | $509,000 |
| 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) | 15,176 | $1,877,790,000 | $120,840 | $1,310,000 | $54,640 | $3,132,000 |
| FHA-insured (Federal Housing Administration) | 1,913 | $229,240,000 | $125,812 | $261,000 | $19,125 | $522,000 |
| VA-guaranteed (Veterans Administration) | 17 | $2,198,000 | $125,000 | $206,000 | $10,200 | $73,000 |
| 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 | 9,718 | $1,204,622,000 | $122,857 | $975,000 | $49,095 | $936,000 |
| Application Withdrawn By Applicant | 5,312 | $662,098,000 | $120,913 | $1,260,000 | $46,956 | $3,132,000 |
| Application Denied By Financial Institution | 1,957 | $229,489,000 | $115,875 | $1,310,000 | $54,083 | $704,000 |
| File Closed For Incompleteness | 73 | $8,051,000 | $116,900 | $450,000 | $50,700 | $133,000 |
| Application Approved But Not Accepted | 46 | $4,968,000 | $113,000 | $270,000 | $54,250 | $270,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Paragon Home Lending, 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 Paragon Home Lending, 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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