PHH Home Loans, LLC Mortgage Lending & HMDA Data, 2008
In 2008, PHH Home Loans, LLC of Mt Laurel, NJ reported 31,853 mortgage applications totaling $7.3 billion, down 13% from 2007. The average application was for $228,483, and applicants reported an average income of $106,542. 66% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Minneapolis-St. Paul-Bloomington, MN-WI (2,767), Chicago-Naperville-Joliet, IL (1,857) and St. Louis, MO-IL (1,653) (applications in parentheses).
| Mortgage Company & Address | PHH Home Loans, LLC 1 Mortgage Way 2nd Floor Mt Laurel, NJ 08054 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 |
| Total Number of Mortgage Applications | 31,853 |
| Total Mortgage Loan Application Amount | $7,277,891,000 |
| Average Mortgage Loan Application Amount | $228,483 |
| Highest Mortgage Loan Application Amount | $3,450,000 |
| Average Applicant Income | $106,542 |
| Highest Applicant Income | $6,120,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records PHH Home Loans, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Minneapolis-St. Paul-Bloomington, MN-WI | 2,767 | $ 564,201,000 | $ 203,903 | $ 76,766 |
| Chicago-Naperville-Joliet, IL | 1,857 | $ 470,601,000 | $ 253,420 | $ 107,000 |
| St. Louis, MO-IL | 1,653 | $ 265,287,000 | $ 160,488 | $ 77,041 |
| Pittsburgh, PA | 1,592 | $ 221,912,000 | $ 139,391 | $ 81,000 |
| Denver-Aurora, CO | 1,360 | $ 303,844,000 | $ 223,414 | $ 100,000 |
| Newark-Union, NJ-PA | 1,163 | $ 398,770,000 | $ 342,880 | $ 157,752 |
| Atlanta-Sandy Springs-Marietta, GA | 1,129 | $ 234,518,000 | $ 207,721 | $ 102,000 |
| New York-White Plains-Wayne, NY-NJ | 1,103 | $ 366,609,000 | $ 332,374 | $ 150,470 |
| Baltimore-Towson, MD | 943 | $ 268,020,000 | $ 284,220 | $ 117,000 |
| Dallas-Plano-Irving, TX | 854 | $ 155,133,000 | $ 181,654 | $ 98,000 |
| Edison-New Brunswick, NJ | 824 | $ 249,501,000 | $ 302,792 | $ 141,000 |
| Tampa-St. Petersburg-Clearwater, FL | 797 | $ 151,197,000 | $ 189,707 | $ 106,000 |
| Orlando-Kissimmee, FL | 632 | $ 129,723,000 | $ 205,257 | $ 112,000 |
| Cincinnati-Middletown, OH-KY-IN | 609 | $ 110,718,000 | $ 181,802 | $ 91,770 |
| Fort Worth-Arlington, TX | 603 | $ 103,126,000 | $ 171,021 | $ 96,000 |
| Phoenix-Mesa-Scottsdale, AZ | 599 | $ 132,173,000 | $ 220,656 | $ 96,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 557 | $ 137,154,000 | $ 246,236 | $ 112,000 |
| Tucson, AZ | 527 | $ 108,695,000 | $ 206,252 | $ 98,000 |
| Columbus, OH | 503 | $ 76,928,000 | $ 152,938 | $ 80,000 |
| Nassau-Suffolk, NY | 498 | $ 159,388,000 | $ 320,056 | $ 128,000 |
| San Diego-Carlsbad-San Marcos, CA | 457 | $ 141,498,000 | $ 309,623 | $ 122,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 391 | $ 81,408,000 | $ 208,204 | $ 127,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 383 | $ 82,568,000 | $ 215,582 | $ 113,000 |
| Miami-Miami Beach-Kendall, FL | 324 | $ 81,423,000 | $ 251,305 | $ 139,000 |
| Milwaukee-Waukesha-West Allis, WI | 320 | $ 57,095,000 | $ 178,421 | $ 85,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 304 | $ 104,645,000 | $ 344,226 | $ 132,095 |
| Riverside-San Bernardino-Ontario, CA | 265 | $ 65,865,000 | $ 248,547 | $ 124,000 |
| Houston-Sugar Land-Baytown, TX | 231 | $ 51,933,000 | $ 224,818 | $ 118,000 |
| Harrisburg-Carlisle, PA | 229 | $ 35,340,000 | $ 154,323 | $ 74,000 |
| Bradenton-Sarasota-Venice, FL | 218 | $ 44,775,000 | $ 205,389 | $ 115,000 |
| Lake County-Kenosha County, IL-WI | 210 | $ 63,626,000 | $ 302,980 | $ 119,942 |
| Gary, IN | 182 | $ 26,613,000 | $ 146,225 | $ 69,000 |
| Seattle-Bellevue-Everett, WA | 158 | $ 64,580,000 | $ 408,734 | $ 136,000 |
| Philadelphia, PA | 156 | $ 43,552,000 | $ 279,179 | $ 137,000 |
| York-Hanover, PA | 147 | $ 25,318,000 | $ 172,231 | $ 73,000 |
| Fort Collins-Loveland, CO | 136 | $ 25,046,000 | $ 184,161 | $ 96,000 |
| Boulder, CO | 134 | $ 33,133,000 | $ 247,261 | $ 116,000 |
| Charlotte-Gastonia-Concord, NC-SC | 130 | $ 34,109,000 | $ 262,376 | $ 127,646 |
| Cape Coral-Fort Myers, FL | 128 | $ 23,722,000 | $ 185,328 | $ 124,000 |
| Santa Ana-Anaheim-Irvine, CA | 123 | $ 51,618,000 | $ 419,658 | $ 140,000 |
| Trenton-Ewing, NJ | 115 | $ 31,261,000 | $ 271,834 | $ 130,000 |
| Colorado Springs, CO | 112 | $ 26,343,000 | $ 235,205 | $ 96,000 |
| Rochester, MN | 110 | $ 16,693,000 | $ 151,754 | $ 54,000 |
| Bethesda-Frederick-Gaithersburg, MD | 109 | $ 39,002,000 | $ 357,816 | $ 131,000 |
| St. Cloud, MN | 106 | $ 16,734,000 | $ 157,867 | $ 54,000 |
| Bridgeport-Stamford-Norwalk, CT | 104 | $ 45,092,000 | $ 433,576 | $ 176,000 |
| Port St. Lucie, FL | 97 | $ 16,950,000 | $ 174,742 | $ 85,000 |
| Kansas City, MO-KS | 95 | $ 23,121,000 | $ 243,378 | $ 111,452 |
| Camden, NJ | 89 | $ 21,980,000 | $ 246,966 | $ 115,000 |
| Naples-Marco Island, FL | 87 | $ 22,029,000 | $ 253,206 | $ 147,000 |
| Hartford-West Hartford-East Hartford, CT | 83 | $ 28,978,000 | $ 349,132 | $ 149,000 |
| Lakeland-Winter Haven, FL | 82 | $ 11,157,000 | $ 136,060 | $ 81,000 |
| Greeley, CO | 81 | $ 15,058,000 | $ 185,901 | $ 72,000 |
| Jacksonville, FL | 75 | $ 13,696,000 | $ 182,613 | $ 110,000 |
| Cleveland-Elyria-Mentor, OH | 70 | $ 15,602,000 | $ 222,885 | $ 124,000 |
| Birmingham-Hoover, AL | 69 | $ 14,687,000 | $ 212,855 | $ 97,000 |
| Las Vegas-Paradise, NV | 68 | $ 17,703,000 | $ 260,338 | $ 106,000 |
| Jackson, MS | 64 | $ 17,354,000 | $ 271,156 | $ 134,000 |
| Lake Havasu City-Kingman, AZ | 63 | $ 11,865,000 | $ 188,333 | $ 107,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 62 | $ 14,326,000 | $ 231,064 | $ 102,903 |
| Chattanooga, TN-GA | 61 | $ 12,747,000 | $ 208,967 | $ 102,245 |
| Indianapolis-Carmel, IN | 61 | $ 13,346,000 | $ 218,786 | $ 118,000 |
| Los Angeles-Long Beach-Glendale, CA | 60 | $ 22,486,000 | $ 374,766 | $ 144,000 |
| Huntsville, AL | 51 | $ 12,802,000 | $ 251,019 | $ 114,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 50 | $ 11,868,000 | $ 237,360 | $ 94,000 |
| Hagerstown-Martinsburg, MD-WV | 49 | $ 10,827,000 | $ 220,959 | $ 82,061 |
| Niles-Benton Harbor, MI | 49 | $ 11,069,000 | $ 225,897 | $ 177,000 |
| Cambridge-Newton-Framingham, MA | 48 | $ 18,322,000 | $ 381,708 | $ 149,000 |
| Raleigh-Cary, NC | 47 | $ 12,708,000 | $ 270,382 | $ 131,000 |
| Portland-Vancouver-Beaverton, OR-WA | 44 | $ 13,599,000 | $ 309,068 | $ 127,545 |
| Memphis, TN-MS-AR | 41 | $ 9,672,000 | $ 235,902 | $ 114,536 |
| Michigan City-La Porte, IN | 40 | $ 4,174,000 | $ 104,350 | $ 64,000 |
| New Orleans-Metairie-Kenner, LA | 40 | $ 9,448,000 | $ 236,200 | $ 105,000 |
| Warren-Troy-Farmington Hills, MI | 40 | $ 9,827,000 | $ 245,675 | $ 115,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 38 | $ 5,810,000 | $ 152,894 | $ 84,000 |
| Knoxville, TN | 37 | $ 8,969,000 | $ 242,405 | $ 112,000 |
| New Haven-Milford, CT | 37 | $ 10,206,000 | $ 275,837 | $ 134,000 |
| Richmond, VA | 37 | $ 8,745,000 | $ 236,351 | $ 98,000 |
| El Paso, TX | 36 | $ 7,462,000 | $ 207,277 | $ 111,000 |
| Oklahoma City, OK | 36 | $ 7,267,000 | $ 201,861 | $ 104,000 |
| Wichita, KS | 35 | $ 9,744,000 | $ 278,400 | $ 154,000 |
| Albany-Schenectady-Troy, NY | 34 | $ 10,147,000 | $ 298,441 | $ 154,000 |
| Austin-Round Rock, TX | 34 | $ 7,753,000 | $ 228,029 | $ 111,000 |
| Kalamazoo-Portage, MI | 34 | $ 7,889,000 | $ 232,029 | $ 115,000 |
| Ogden-Clearfield, UT | 34 | $ 9,168,000 | $ 269,647 | $ 117,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 34 | $ 9,741,000 | $ 286,500 | $ 117,000 |
| Prescott, AZ | 33 | $ 7,363,000 | $ 223,121 | $ 82,000 |
| Wilmington, NC | 33 | $ 9,577,000 | $ 290,212 | $ 142,000 |
| Baton Rouge, LA | 32 | $ 7,516,000 | $ 234,875 | $ 111,000 |
| Boston-Quincy, MA | 32 | $ 11,741,000 | $ 366,906 | $ 149,000 |
| Greenville-Mauldin-Easley, SC | 32 | $ 7,238,000 | $ 226,187 | $ 107,000 |
| Punta Gorda, FL | 32 | $ 4,228,000 | $ 132,125 | $ 98,000 |
| Salt Lake City, UT | 32 | $ 10,209,000 | $ 319,031 | $ 121,000 |
| San Antonio, TX | 32 | $ 7,422,000 | $ 231,937 | $ 122,000 |
| Vallejo-Fairfield, CA | 32 | $ 8,927,000 | $ 278,968 | $ 105,000 |
| Akron, OH | 31 | $ 7,049,000 | $ 227,387 | $ 117,000 |
| Oakland-Fremont-Hayward, CA | 31 | $ 12,640,000 | $ 407,741 | $ 134,000 |
| Greensboro-High Point, NC | 30 | $ 7,638,000 | $ 254,600 | $ 109,000 |
| Evansville, IN-KY | 29 | $ 6,136,000 | $ 211,586 | $ 109,000 |
| Kennewick-Pasco-Richland, WA | 29 | $ 7,588,000 | $ 261,655 | $ 139,000 |
| Syracuse, NY | 27 | $ 6,025,000 | $ 223,148 | $ 106,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 27 | $ 7,459,000 | $ 276,259 | $ 113,111 |
| Columbia, SC | 26 | $ 5,643,000 | $ 217,038 | $ 104,000 |
| Providence-New Bedford-Fall River, RI-MA | 26 | $ 9,143,000 | $ 351,653 | $ 153,076 |
| Rochester, NY | 26 | $ 5,954,000 | $ 229,000 | $ 124,000 |
| Tulsa, OK | 26 | $ 5,138,000 | $ 197,615 | $ 112,000 |
| Kankakee-Bradley, IL | 25 | $ 3,192,000 | $ 127,680 | $ 54,000 |
| Madison, WI | 25 | $ 6,023,000 | $ 240,920 | $ 112,000 |
| Peabody, MA | 25 | $ 8,304,000 | $ 332,160 | $ 134,000 |
| Wilmington, DE-MD-NJ | 25 | $ 6,119,000 | $ 244,760 | $ 98,000 |
| Anchorage, AK | 24 | $ 7,556,000 | $ 314,833 | $ 122,000 |
| Dayton, OH | 24 | $ 3,890,000 | $ 162,083 | $ 109,000 |
| Boise City-Nampa, ID | 23 | $ 6,336,000 | $ 275,478 | $ 133,000 |
| Cleveland, TN | 23 | $ 5,112,000 | $ 222,260 | $ 101,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 23 | $ 5,701,000 | $ 247,869 | $ 112,000 |
| Racine, WI | 23 | $ 3,408,000 | $ 148,173 | $ 106,000 |
| Little Rock-North Little Rock-Conway, AR | 22 | $ 5,557,000 | $ 252,590 | $ 108,000 |
| Louisville-Jefferson County, KY-IN | 22 | $ 5,109,000 | $ 232,227 | $ 109,863 |
| Palm Bay-Melbourne-Titusville, FL | 22 | $ 5,440,000 | $ 247,272 | $ 163,000 |
| Charleston-North Charleston-Summerville, SC | 21 | $ 5,229,000 | $ 249,000 | $ 106,000 |
| Toledo, OH | 21 | $ 4,551,000 | $ 216,714 | $ 125,000 |
| Albuquerque, NM | 20 | $ 5,108,000 | $ 255,400 | $ 89,000 |
| Buffalo-Niagara Falls, NY | 20 | $ 3,471,000 | $ 173,550 | $ 185,000 |
| Augusta-Richmond County, GA-SC | 19 | $ 5,311,000 | $ 279,526 | $ 118,105 |
| Lancaster, PA | 18 | $ 5,138,000 | $ 285,444 | $ 128,000 |
| Reading, PA | 18 | $ 3,463,000 | $ 192,388 | $ 93,000 |
| Savannah, GA | 18 | $ 4,307,000 | $ 239,277 | $ 80,000 |
| Scranton--Wilkes-Barre, PA | 18 | $ 2,987,000 | $ 165,944 | $ 73,000 |
| Des Moines-West Des Moines, IA | 17 | $ 3,616,000 | $ 212,705 | $ 86,000 |
| Grand Rapids-Wyoming, MI | 17 | $ 3,768,000 | $ 221,647 | $ 125,000 |
| Honolulu, HI | 17 | $ 6,724,000 | $ 395,529 | $ 116,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 17 | $ 6,885,000 | $ 405,000 | $ 151,000 |
| San Francisco-San Mateo-Redwood City, CA | 17 | $ 9,012,000 | $ 530,117 | $ 196,000 |
| McAllen-Edinburg-Mission, TX | 16 | $ 2,598,000 | $ 162,375 | $ 111,000 |
| Rockingham County-Strafford County, NH | 16 | $ 4,647,000 | $ 290,437 | $ 122,000 |
| Beaumont-Port Arthur, TX | 15 | $ 2,512,000 | $ 167,466 | $ 97,000 |
| Erie, PA | 15 | $ 2,497,000 | $ 166,466 | $ 108,000 |
| Fort Wayne, IN | 15 | $ 2,734,000 | $ 182,266 | $ 108,000 |
| Manchester-Nashua, NH | 15 | $ 3,361,000 | $ 224,066 | $ 123,000 |
| Appleton, WI | 14 | $ 2,754,000 | $ 196,714 | $ 96,000 |
| Lebanon, PA | 14 | $ 2,338,000 | $ 167,000 | $ 74,000 |
| Lexington-Fayette, KY | 14 | $ 2,706,000 | $ 193,285 | $ 96,000 |
| Mobile, AL | 14 | $ 3,064,000 | $ 218,857 | $ 95,000 |
| Montgomery, AL | 14 | $ 2,948,000 | $ 210,571 | $ 91,000 |
| Omaha-Council Bluffs, NE-IA | 14 | $ 3,292,000 | $ 235,142 | $ 109,000 |
| Durham, NC | 13 | $ 3,226,000 | $ 248,153 | $ 115,000 |
| Reno-Sparks, NV | 13 | $ 3,702,000 | $ 284,769 | $ 123,000 |
| Gulfport-Biloxi, MS | 12 | $ 2,001,000 | $ 166,750 | $ 90,000 |
| Johnstown, PA | 12 | $ 1,539,000 | $ 128,250 | $ 94,000 |
| Killeen-Temple-Fort Hood, TX | 12 | $ 2,504,000 | $ 208,666 | $ 102,000 |
| Midland, TX | 12 | $ 2,587,000 | $ 215,583 | $ 105,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 12 | $ 5,675,000 | $ 472,916 | $ 168,000 |
| State College, PA | 12 | $ 2,749,000 | $ 229,083 | $ 108,000 |
| Detroit-Livonia-Dearborn, MI | 11 | $ 2,049,000 | $ 186,272 | $ 95,000 |
| Dothan, AL | 11 | $ 1,741,000 | $ 158,272 | $ 95,000 |
| Lynchburg, VA | 11 | $ 2,695,000 | $ 245,000 | $ 89,000 |
| Panama City-Lynn Haven, FL | 11 | $ 4,684,000 | $ 425,818 | $ 166,000 |
| Winchester, VA-WV | 11 | $ 2,760,000 | $ 250,909 | $ 87,727 |
| Winston-Salem, NC | 11 | $ 2,546,000 | $ 231,454 | $ 115,000 |
| Worcester, MA | 11 | $ 3,418,000 | $ 310,727 | $ 107,000 |
| Asheville, NC | 10 | $ 2,418,000 | $ 241,800 | $ 107,000 |
| Champaign-Urbana, IL | 10 | $ 1,903,000 | $ 190,300 | $ 84,000 |
| Corpus Christi, TX | 10 | $ 1,686,000 | $ 168,600 | $ 105,000 |
| Decatur, IL | 10 | $ 2,346,000 | $ 234,600 | $ 140,000 |
| Dover, DE | 10 | $ 2,361,000 | $ 236,100 | $ 90,000 |
| Lafayette, LA | 10 | $ 2,199,000 | $ 219,900 | $ 90,000 |
| Rockford, IL | 10 | $ 1,771,000 | $ 177,100 | $ 78,000 |
| Tacoma, WA | 10 | $ 2,276,000 | $ 227,600 | $ 80,000 |
| Youngstown-Warren-Boardman, OH-PA | 10 | $ 1,593,000 | $ 159,300 | $ 72,700 |
| Duluth, MN-WI | 9 | $ 1,144,000 | $ 127,111 | $ 108,000 |
| Flagstaff, AZ | 9 | $ 1,862,000 | $ 206,888 | $ 90,000 |
| Florence, SC | 9 | $ 1,769,000 | $ 196,555 | $ 99,000 |
| Grand Junction, CO | 9 | $ 1,861,000 | $ 206,777 | $ 117,000 |
| Kingsport-Bristol-Bristol, TN-VA | 9 | $ 1,756,000 | $ 195,111 | $ 98,000 |
| Las Cruces, NM | 9 | $ 1,964,000 | $ 218,222 | $ 110,000 |
| Lima, OH | 9 | $ 2,115,000 | $ 235,000 | $ 132,000 |
| Modesto, CA | 9 | $ 2,228,000 | $ 247,555 | $ 108,000 |
| Portland-South Portland-Biddeford, ME | 9 | $ 2,351,000 | $ 261,222 | $ 132,000 |
| Roanoke, VA | 9 | $ 2,467,000 | $ 274,111 | $ 112,000 |
| Atlantic City-Hammonton, NJ | 8 | $ 1,485,000 | $ 185,625 | $ 88,000 |
| Bellingham, WA | 8 | $ 2,285,000 | $ 285,625 | $ 100,000 |
| Burlington-South Burlington, VT | 8 | $ 2,036,000 | $ 254,500 | $ 116,000 |
| Cumberland, MD-WV | 8 | $ 1,370,000 | $ 171,250 | $ 112,000 |
| Gainesville, GA | 8 | $ 1,773,000 | $ 221,625 | $ 104,000 |
| Oshkosh-Neenah, WI | 8 | $ 1,249,000 | $ 156,125 | $ 99,000 |
| Salisbury, MD | 8 | $ 1,238,000 | $ 154,750 | $ 72,000 |
| Sioux Falls, SD | 8 | $ 1,265,000 | $ 158,125 | $ 81,000 |
| Spartanburg, SC | 8 | $ 1,878,000 | $ 234,750 | $ 93,000 |
| Springfield, MA | 8 | $ 1,702,000 | $ 212,750 | $ 115,000 |
| Tuscaloosa, AL | 8 | $ 1,855,000 | $ 231,875 | $ 109,000 |
| Warner Robins, GA | 8 | $ 1,445,000 | $ 180,625 | $ 66,000 |
| Fond Du Lac, WI | 7 | $ 1,194,000 | $ 170,571 | $ 75,000 |
| Gainesville, FL | 7 | $ 1,455,000 | $ 207,857 | $ 98,000 |
| Green Bay, WI | 7 | $ 1,660,000 | $ 237,142 | $ 140,000 |
| Lafayette, IN | 7 | $ 1,340,000 | $ 191,428 | $ 99,000 |
| Lubbock, TX | 7 | $ 1,246,000 | $ 178,000 | $ 90,000 |
| Ocala, FL | 7 | $ 1,715,000 | $ 245,000 | $ 94,000 |
| Pascagoula, MS | 7 | $ 1,663,000 | $ 237,571 | $ 111,000 |
| Pensacola-Ferry Pass-Brent, FL | 7 | $ 1,611,000 | $ 230,142 | $ 159,000 |
| South Bend-Mishawaka, IN-MI | 7 | $ 1,200,000 | $ 171,428 | $ 100,857 |
| Springfield, MO | 7 | $ 1,208,000 | $ 172,571 | $ 99,000 |
| Stockton, CA | 7 | $ 1,786,000 | $ 255,142 | $ 100,000 |
| Yuba City, CA | 7 | $ 1,287,000 | $ 183,857 | $ 90,000 |
| Amarillo, TX | 6 | $ 1,340,000 | $ 223,333 | $ 105,000 |
| Anniston-Oxford, AL | 6 | $ 917,000 | $ 152,833 | $ 88,000 |
| Bakersfield, CA | 6 | $ 1,222,000 | $ 203,666 | $ 98,000 |
| Bowling Green, KY | 6 | $ 1,228,000 | $ 204,666 | $ 94,000 |
| Brownsville-Harlingen, TX | 6 | $ 744,000 | $ 124,000 | $ 78,000 |
| Canton-Massillon, OH | 6 | $ 1,268,000 | $ 211,333 | $ 105,000 |
| Columbus, GA-AL | 6 | $ 1,560,000 | $ 260,000 | $ 106,000 |
| Elmira, NY | 6 | $ 964,000 | $ 160,666 | $ 95,000 |
| Eugene-Springfield, OR | 6 | $ 1,338,000 | $ 223,000 | $ 84,000 |
| Fargo, ND-MN | 6 | $ 1,082,000 | $ 180,333 | $ 102,000 |
| Fort Smith, AR-OK | 6 | $ 924,000 | $ 154,000 | $ 74,000 |
| Holland-Grand Haven, MI | 6 | $ 1,325,000 | $ 220,833 | $ 112,000 |
| Macon, GA | 6 | $ 1,809,000 | $ 301,500 | $ 136,000 |
| Morgantown, WV | 6 | $ 1,440,000 | $ 240,000 | $ 117,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 6 | $ 1,747,000 | $ 291,166 | $ 176,000 |
| Ocean City, NJ | 6 | $ 1,667,000 | $ 277,833 | $ 147,000 |
| Pittsfield, MA | 6 | $ 2,234,000 | $ 372,333 | $ 167,000 |
| Shreveport-Bossier City, LA | 6 | $ 1,236,000 | $ 206,000 | $ 99,000 |
| Springfield, IL | 6 | $ 974,000 | $ 162,333 | $ 88,000 |
| Athens-Clarke County, GA | 5 | $ 1,000,000 | $ 200,000 | $ 100,000 |
| Brunswick, GA | 5 | $ 1,128,000 | $ 225,600 | $ 77,000 |
| Burlington, NC | 5 | $ 1,021,000 | $ 204,200 | $ 108,000 |
| Cedar Rapids, IA | 5 | $ 1,029,000 | $ 205,800 | $ 105,000 |
| Clarksville, TN-KY | 5 | $ 836,000 | $ 167,200 | $ 62,200 |
| Columbia, MO | 5 | $ 943,000 | $ 188,600 | $ 80,000 |
| Farmington, NM | 5 | $ 1,104,000 | $ 220,800 | $ 92,000 |
| Fayetteville, NC | 5 | $ 1,073,000 | $ 214,600 | $ 107,000 |
| Great Falls, MT | 5 | $ 662,000 | $ 132,400 | $ 69,000 |
| Hickory-Lenoir-Morganton, NC | 5 | $ 1,110,000 | $ 222,000 | $ 92,000 |
| La Crosse, WI-MN | 5 | $ 614,000 | $ 122,800 | $ 68,000 |
| Lake Charles, LA | 5 | $ 859,000 | $ 171,800 | $ 76,000 |
| Longview, TX | 5 | $ 839,000 | $ 167,800 | $ 85,000 |
| Monroe, LA | 5 | $ 1,189,000 | $ 237,800 | $ 101,000 |
| Mount Vernon-Anacortes, WA | 5 | $ 1,411,000 | $ 282,200 | $ 144,000 |
| Sherman-Denison, TX | 5 | $ 738,000 | $ 147,600 | $ 87,000 |
| St. Joseph, MO-KS | 5 | $ 1,160,000 | $ 232,000 | $ 99,000 |
| Tallahassee, FL | 5 | $ 1,136,000 | $ 227,200 | $ 89,000 |
| Topeka, KS | 5 | $ 603,000 | $ 120,600 | $ 87,000 |
| Utica-Rome, NY | 5 | $ 486,000 | $ 97,200 | $ 90,000 |
| Anderson, SC | 4 | $ 493,000 | $ 123,250 | $ 99,000 |
| Ann Arbor, MI | 4 | $ 769,000 | $ 192,250 | $ 87,000 |
| Auburn-Opelika, AL | 4 | $ 740,000 | $ 185,000 | $ 81,000 |
| Barnstable Town, MA | 4 | $ 1,137,000 | $ 284,250 | $ 222,000 |
| Battle Creek, MI | 4 | $ 654,000 | $ 163,500 | $ 110,000 |
| Bismarck, ND | 4 | $ 834,000 | $ 208,500 | $ 142,000 |
| Idaho Falls, ID | 4 | $ 1,073,000 | $ 268,250 | $ 79,000 |
| Iowa City, IA | 4 | $ 875,000 | $ 218,750 | $ 90,000 |
| Lawrence, KS | 4 | $ 577,000 | $ 144,250 | $ 73,000 |
| Logan, UT-ID | 4 | $ 655,000 | $ 163,750 | $ 113,000 |
| Monroe, MI | 4 | $ 680,000 | $ 170,000 | $ 97,000 |
| Palm Coast, FL | 4 | $ 1,039,000 | $ 259,750 | $ 89,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 4 | $ 714,000 | $ 178,500 | $ 153,000 |
| Peoria, IL | 4 | $ 996,000 | $ 249,000 | $ 125,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 4 | $ 1,304,000 | $ 326,000 | $ 153,000 |
| Santa Cruz-Watsonville, CA | 4 | $ 1,476,000 | $ 369,000 | $ 135,000 |
| Texarkana, Tx-Texarkana, AR | 4 | $ 685,000 | $ 171,250 | $ 83,000 |
| Vineland-Millville-Bridgeton, NJ | 4 | $ 561,000 | $ 140,250 | $ 39,000 |
| Albany, GA | 3 | $ 622,000 | $ 207,333 | $ 134,000 |
| Alexandria, LA | 3 | $ 492,000 | $ 164,000 | $ 113,000 |
| Ames, IA | 3 | $ 718,000 | $ 239,333 | $ 145,000 |
| Blacksburg-Christiansburg-Radford, VA | 3 | $ 818,000 | $ 272,666 | $ 99,000 |
| Bloomington-Normal, IL | 3 | $ 705,000 | $ 235,000 | $ 90,000 |
| Casper, WY | 3 | $ 503,000 | $ 167,666 | $ 80,000 |
| Charleston, WV | 3 | $ 652,000 | $ 217,333 | $ 103,000 |
| Cheyenne, WY | 3 | $ 487,000 | $ 162,333 | $ 91,000 |
| College Station-Bryan, TX | 3 | $ 602,000 | $ 200,666 | $ 92,000 |
| Dalton, GA | 3 | $ 805,000 | $ 268,333 | $ 108,000 |
| Elkhart-Goshen, IN | 3 | $ 699,000 | $ 233,000 | $ 90,000 |
| Florence-Muscle Shoals, AL | 3 | $ 391,000 | $ 130,333 | $ 78,000 |
| Fresno, CA | 3 | $ 549,000 | $ 183,000 | $ 132,000 |
| Glens Falls, NY | 3 | $ 562,000 | $ 187,333 | $ 200,000 |
| Grand Forks, ND-MN | 3 | $ 580,000 | $ 193,333 | $ 95,000 |
| Houma-Bayou Cane-Thibodaux, LA | 3 | $ 764,000 | $ 254,666 | $ 102,000 |
| Jacksonville, NC | 3 | $ 480,000 | $ 160,000 | $ 66,000 |
| Janesville, WI | 3 | $ 377,000 | $ 125,666 | $ 92,000 |
| Joplin, MO | 3 | $ 575,000 | $ 191,666 | $ 173,000 |
| Laredo, TX | 3 | $ 587,000 | $ 195,666 | $ 107,000 |
| Norwich-New London, CT | 3 | $ 777,000 | $ 259,000 | $ 85,000 |
| Odessa, TX | 3 | $ 332,000 | $ 110,666 | $ 104,000 |
| Pueblo, CO | 3 | $ 664,000 | $ 221,333 | $ 107,000 |
| Rapid City, SD | 3 | $ 587,000 | $ 195,666 | $ 128,000 |
| Salinas, CA | 3 | $ 1,060,000 | $ 353,333 | $ 104,000 |
| Santa Rosa-Petaluma, CA | 3 | $ 1,250,000 | $ 416,666 | $ 160,000 |
| Sebastian-Vero Beach, FL | 3 | $ 713,000 | $ 237,666 | $ 93,000 |
| Sheboygan, WI | 3 | $ 494,000 | $ 164,666 | $ 70,000 |
| Sumter, SC | 3 | $ 745,000 | $ 248,333 | $ 96,000 |
| Valdosta, GA | 3 | $ 588,000 | $ 196,000 | $ 67,000 |
| Victoria, TX | 3 | $ 386,000 | $ 128,666 | $ 91,000 |
| Waco, TX | 3 | $ 560,000 | $ 186,666 | $ 117,000 |
| Wichita Falls, TX | 3 | $ 409,000 | $ 136,333 | $ 141,000 |
| Billings, MT | 2 | $ 397,000 | $ 198,500 | $ 78,000 |
| Binghamton, NY | 2 | $ 327,000 | $ 163,500 | $ 126,000 |
| Bloomington, IN | 2 | $ 257,000 | $ 128,500 | $ 75,000 |
| Bremerton-Silverdale, WA | 2 | $ 538,000 | $ 269,000 | $ 119,000 |
| Carson City, NV | 2 | $ 500,000 | $ 250,000 | $ 147,000 |
| Corvallis, OR | 2 | $ 389,000 | $ 194,500 | $ 134,000 |
| Davenport-Moline-Rock Island, IA-IL | 2 | $ 379,000 | $ 189,500 | $ 101,000 |
| Decatur, AL | 2 | $ 481,000 | $ 240,500 | $ 101,000 |
| Elizabethtown, KY | 2 | $ 288,000 | $ 144,000 | $ 69,000 |
| Fairbanks, AK | 2 | $ 339,000 | $ 169,500 | $ 54,000 |
| Flint, MI | 2 | $ 232,000 | $ 116,000 | $ 59,000 |
| Greenville, NC | 2 | $ 320,000 | $ 160,000 | $ 92,000 |
| Jackson, TN | 2 | $ 328,000 | $ 164,000 | $ 74,000 |
| Jefferson City, MO | 2 | $ 349,000 | $ 174,500 | $ 93,000 |
| Johnson City, TN | 2 | $ 438,000 | $ 219,000 | $ 68,000 |
| Kingston, NY | 2 | $ 859,000 | $ 429,500 | $ 317,000 |
| Lawton, OK | 2 | $ 357,000 | $ 178,500 | $ 89,000 |
| Merced, CA | 2 | $ 276,000 | $ 138,000 | $ 58,000 |
| Muncie, IN | 2 | $ 308,000 | $ 154,000 | $ 77,000 |
| Muskegon-Norton Shores, MI | 2 | $ 198,000 | $ 99,000 | $ 110,000 |
| Pine Bluff, AR | 2 | $ 152,000 | $ 76,000 | $ 82,000 |
| Pocatello, ID | 2 | $ 322,000 | $ 161,000 | $ 74,000 |
| Redding, CA | 2 | $ 411,000 | $ 205,500 | $ 75,000 |
| Rocky Mount, NC | 2 | $ 276,000 | $ 138,000 | $ 75,000 |
| Salem, OR | 2 | $ 425,000 | $ 212,500 | $ 62,000 |
| San Angelo, TX | 2 | $ 343,000 | $ 171,500 | $ 113,000 |
| San Luis Obispo-Paso Robles, CA | 2 | $ 654,000 | $ 327,000 | $ 106,000 |
| Sioux City, IA-NE-SD | 2 | $ 397,000 | $ 198,500 | $ 107,000 |
| Spokane, WA | 2 | $ 625,000 | $ 312,500 | $ 91,000 |
| St. George, UT | 2 | $ 316,000 | $ 158,000 | $ 64,000 |
| Tyler, TX | 2 | $ 377,000 | $ 188,500 | $ 100,000 |
| Wausau, WI | 2 | $ 267,000 | $ 133,500 | $ 68,000 |
| Williamsport, PA | 2 | $ 371,000 | $ 185,500 | $ 95,000 |
| Abilene, TX | 1 | $ 234,000 | $ 234,000 | $ 63,000 |
| Altoona, PA | 1 | $ 205,000 | $ 205,000 | $ 70,000 |
| Bay City, MI | 1 | $ 200,000 | $ 200,000 | $ 74,000 |
| Charlottesville, VA | 1 | $ 196,000 | $ 196,000 | $ 87,000 |
| Columbus, IN | 1 | $ 157,000 | $ 157,000 | $ 161,000 |
| Danville, IL | 1 | $ 100,000 | $ 100,000 | $ 137,000 |
| Danville, VA | 1 | $ 138,000 | $ 138,000 | $ 56,000 |
| Dubuque, IA | 1 | $ 173,000 | $ 173,000 | $ 66,000 |
| Eau Claire, WI | 1 | $ 150,000 | $ 150,000 | $ 62,000 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 235,000 | $ 235,000 | $ 85,000 |
| Gadsden, AL | 1 | $ 136,000 | $ 136,000 | $ 52,000 |
| Hattiesburg, MS | 1 | $ 400,000 | $ 400,000 | $ 105,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 210,000 | $ 210,000 | $ 108,000 |
| Ithaca, NY | 1 | $ 150,000 | $ 150,000 | $ 130,000 |
| Jackson, MI | 1 | $ 164,000 | $ 164,000 | $ 97,000 |
| Kokomo, IN | 1 | $ 195,000 | $ 195,000 | $ 82,000 |
| Lansing-East Lansing, MI | 1 | $ 105,000 | $ 105,000 | $ 68,000 |
| Lewiston-Auburn, ME | 1 | $ 222,000 | $ 222,000 | $ 100,000 |
| Longview, WA | 1 | $ 228,000 | $ 228,000 | $ 95,000 |
| Madera, CA | 1 | $ 80,000 | $ 80,000 | $ 31,000 |
| Mansfield, OH | 1 | $ 144,000 | $ 144,000 | $ 84,000 |
| Morristown, TN | 1 | $ 236,000 | $ 236,000 | $ 133,000 |
| Olympia, WA | 1 | $ 196,000 | $ 196,000 | $ 68,000 |
| Provo-Orem, UT | 1 | $ 417,000 | $ 417,000 | $ 148,000 |
| Saginaw-Saginaw Township North, MI | 1 | $ 162,000 | $ 162,000 | $ 76,000 |
| Sandusky, OH | 1 | $ 103,000 | $ 103,000 | $ 68,000 |
| Springfield, OH | 1 | $ 130,000 | $ 130,000 | $ 77,000 |
| Visalia-Porterville, CA | 1 | $ 100,000 | $ 100,000 | $ 96,000 |
| Wheeling, WV-OH | 1 | $ 83,000 | $ 83,000 | $ 116,000 |
| Yakima, WA | 1 | $ 300,000 | $ 300,000 | $ 189,000 |
| Yuma, AZ | 1 | $ 260,000 | $ 260,000 | $ 80,000 |
Mortgage Loan Application Detail Totals for PHH Home Loans, LLC in 2008
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 | 26,557 | $6,023,296,000 | $226,000 | $3,450,000 | $106,000 | $3,120,000 |
| Refinancing | 5,105 | $1,209,172,000 | $236,000 | $2,500,000 | $108,000 | $1,704,000 |
| Home Improvement | 191 | $45,423,000 | $237,000 | $1,920,000 | $143,000 | $6,120,000 |
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 | 18,542 | $4,221,705,000 | $227,000 | $2,975,000 | $107,000 | $3,120,000 |
| Not Provided | 10,071 | $2,344,904,000 | $232,000 | $3,450,000 | $108,000 | $6,120,000 |
| Hispanic | 1,303 | $278,190,000 | $213,000 | $1,449,000 | $90,000 | $565,000 |
| Black or African American | 964 | $187,785,000 | $194,000 | $1,040,000 | $88,000 | $1,805,000 |
| Asian | 840 | $217,380,000 | $258,000 | $1,000,000 | $115,000 | $2,470,000 |
| American Indian or Alaskan Native | 72 | $14,113,000 | $196,000 | $560,000 | $87,000 | $300,000 |
| Native Hawaiian or Other Pacific Islander | 61 | $13,814,000 | $226,000 | $720,000 | $97,000 | $399,000 |
| 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) | 25,651 | $6,063,604,000 | $236,000 | $3,450,000 | $114,000 | $6,120,000 |
| FHA-insured (Federal Housing Administration) | 5,119 | $977,603,000 | $190,000 | $740,000 | $72,000 | $658,000 |
| VA-guaranteed (Veterans Administration) | 1,021 | $228,274,000 | $223,000 | $492,000 | $80,000 | $335,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 62 | $8,410,000 | $135,000 | $232,000 | $38,000 | $82,000 |
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 | 21,087 | $4,630,844,000 | $219,000 | $1,960,000 | $103,000 | $2,618,000 |
| Application Approved But Not Accepted | 5,723 | $1,424,472,000 | $248,000 | $2,975,000 | $112,000 | $3,100,000 |
| Application Withdrawn By Applicant | 2,909 | $775,744,000 | $266,000 | $3,450,000 | $129,000 | $6,120,000 |
| Application Denied By Financial Institution | 2,089 | $436,348,000 | $208,000 | $2,500,000 | $90,000 | $1,000,000 |
| File Closed For Incompleteness | 33 | $7,306,000 | $221,000 | $472,000 | $104,000 | $370,000 |
| Preapproval Denied by Financial Institution | 12 | $3,177,000 | $264,000 | $518,000 | $94,000 | $166,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 | 852 | $176,972,000 | $207,000 | $1,440,000 | $108,000 | $790,000 |
| Debt-To-Income Ratio | 614 | $139,261,000 | $226,000 | $1,538,000 | $71,000 | $1,000,000 |
| Credit History | 230 | $37,840,000 | $164,000 | $709,000 | $67,000 | $318,000 |
| Other | 144 | $28,176,000 | $195,000 | $750,000 | $98,000 | $645,000 |
| Unverifiable Information | 88 | $22,728,000 | $258,000 | $2,500,000 | $105,000 | $746,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 84 | $16,556,000 | $197,000 | $833,000 | $82,000 | $295,000 |
| Credit Application Incomplete | 46 | $9,845,000 | $214,000 | $524,000 | $96,000 | $550,000 |
| Employment History | 30 | $5,577,000 | $185,000 | $956,000 | $58,000 | $142,000 |
| Mortgage Insurance Denied | 13 | $2,570,000 | $197,000 | $358,000 | $85,000 | $169,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into PHH Home Loans, LLC's 2008 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 PHH Home Loans, 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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