PHH Home Loans, LLC Mortgage Lending & HMDA Data, 2012
In 2012, PHH Home Loans, LLC of Mt Laurel, NJ reported 42,736 mortgage applications totaling $10.5 billion, up 38% from 2011. The average application was for $245,473, and applicants reported an average income of $116,307. 66% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Minneapolis-St. Paul-Bloomington, MN-WI (4,540), Chicago-Joliet-Naperville, IL (3,007) and Pittsburgh, PA (1,843) (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 | 42,736 |
| Total Mortgage Loan Application Amount | $10,490,540,000 |
| Average Mortgage Loan Application Amount | $245,473 |
| Highest Mortgage Loan Application Amount | $2,951,000 |
| Average Applicant Income | $116,307 |
| Highest Applicant Income | $7,328,000 |
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Act (HMDA) records PHH Home Loans, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 4,540 | $ 897,613,000 | $ 197,712 | $ 90,000 |
| Chicago-Joliet-Naperville, IL | 3,007 | $ 695,073,000 | $ 231,151 | $ 118,000 |
| Pittsburgh, PA | 1,843 | $ 292,336,000 | $ 158,619 | $ 87,000 |
| Newark-Union, NJ-PA | 1,800 | $ 648,023,000 | $ 360,012 | $ 154,883 |
| Los Angeles-Long Beach-Glendale, CA | 1,626 | $ 777,094,000 | $ 477,917 | $ 219,000 |
| New York-White Plains-Wayne, NY-NJ | 1,527 | $ 509,440,000 | $ 333,621 | $ 146,964 |
| Baltimore-Towson, MD | 1,484 | $ 420,012,000 | $ 283,026 | $ 114,000 |
| Denver-Aurora-Broomfield, CO | 1,472 | $ 344,551,000 | $ 234,069 | $ 98,000 |
| San Diego-Carlsbad-San Marcos, CA | 1,212 | $ 434,623,000 | $ 358,599 | $ 138,000 |
| Philadelphia, PA | 1,172 | $ 278,459,000 | $ 237,593 | $ 109,000 |
| Edison-New Brunswick, NJ | 1,147 | $ 343,614,000 | $ 299,576 | $ 137,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1,087 | $ 216,948,000 | $ 199,584 | $ 101,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1,021 | $ 186,437,000 | $ 182,602 | $ 95,000 |
| St. Louis, MO-IL | 974 | $ 159,898,000 | $ 164,166 | $ 90,351 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 917 | $ 326,133,000 | $ 355,652 | $ 136,062 |
| Dallas-Plano-Irving, TX | 864 | $ 174,130,000 | $ 201,539 | $ 113,000 |
| Phoenix-Mesa-Glendale, AZ | 787 | $ 154,373,000 | $ 196,153 | $ 98,000 |
| Orlando-Kissimmee-Sanford, FL | 767 | $ 138,018,000 | $ 179,945 | $ 90,000 |
| Fort Worth-Arlington, TX | 715 | $ 121,392,000 | $ 169,779 | $ 98,000 |
| Tucson, AZ | 593 | $ 107,548,000 | $ 181,362 | $ 91,000 |
| Nassau-Suffolk, NY | 540 | $ 171,077,000 | $ 316,809 | $ 135,000 |
| Cincinnati-Middletown, OH-KY-IN | 530 | $ 91,524,000 | $ 172,686 | $ 87,826 |
| Miami-Miami Beach-Kendall, FL | 497 | $ 110,803,000 | $ 222,943 | $ 123,000 |
| North Port-Bradenton-Sarasota, FL | 472 | $ 75,094,000 | $ 159,097 | $ 99,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 468 | $ 99,431,000 | $ 212,459 | $ 118,000 |
| Lake County-Kenosha County, IL-WI | 460 | $ 128,404,000 | $ 279,139 | $ 152,823 |
| Milwaukee-Waukesha-West Allis, WI | 442 | $ 75,148,000 | $ 170,018 | $ 89,000 |
| Columbus, OH | 414 | $ 65,944,000 | $ 159,285 | $ 82,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 365 | $ 71,307,000 | $ 195,361 | $ 120,000 |
| Harrisburg-Carlisle, PA | 326 | $ 52,477,000 | $ 160,972 | $ 77,000 |
| Santa Ana-Anaheim-Irvine, CA | 321 | $ 143,401,000 | $ 446,732 | $ 182,000 |
| Riverside-San Bernardino-Ontario, CA | 311 | $ 73,210,000 | $ 235,401 | $ 118,000 |
| Colorado Springs, CO | 309 | $ 69,362,000 | $ 224,472 | $ 83,000 |
| Gary, IN | 285 | $ 43,258,000 | $ 151,782 | $ 74,000 |
| Houston-Sugar Land-Baytown, TX | 271 | $ 66,462,000 | $ 245,247 | $ 134,000 |
| Camden, NJ | 208 | $ 46,757,000 | $ 224,793 | $ 108,000 |
| Seattle-Bellevue-Everett, WA | 207 | $ 84,848,000 | $ 409,893 | $ 149,000 |
| Rochester, MN | 182 | $ 26,742,000 | $ 146,934 | $ 65,000 |
| Lakeland-Winter Haven, FL | 178 | $ 20,059,000 | $ 112,691 | $ 72,000 |
| Cape Coral-Fort Myers, FL | 172 | $ 30,251,000 | $ 175,877 | $ 150,000 |
| Naples-Marco Island, FL | 169 | $ 40,495,000 | $ 239,615 | $ 153,000 |
| York-Hanover, PA | 160 | $ 25,209,000 | $ 157,556 | $ 72,000 |
| Bethesda-Rockville-Frederick, MD | 141 | $ 48,966,000 | $ 347,276 | $ 131,000 |
| Port St. Lucie, FL | 139 | $ 20,457,000 | $ 147,172 | $ 92,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 138 | $ 35,831,000 | $ 259,644 | $ 114,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 136 | $ 64,938,000 | $ 477,485 | $ 180,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 124 | $ 45,113,000 | $ 363,814 | $ 158,000 |
| Trenton-Ewing, NJ | 124 | $ 36,127,000 | $ 291,346 | $ 145,000 |
| Wilmington, DE-MD-NJ | 123 | $ 25,803,000 | $ 209,780 | $ 87,772 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 118 | $ 30,076,000 | $ 254,881 | $ 129,186 |
| Bridgeport-Stamford-Norwalk, CT | 102 | $ 36,601,000 | $ 358,833 | $ 172,000 |
| Boulder, CO | 101 | $ 27,793,000 | $ 275,178 | $ 125,000 |
| Chattanooga, TN-GA | 97 | $ 23,235,000 | $ 239,536 | $ 119,041 |
| St. Cloud, MN | 89 | $ 12,227,000 | $ 137,382 | $ 62,000 |
| Hartford-West Hartford-East Hartford, CT | 88 | $ 28,124,000 | $ 319,590 | $ 155,000 |
| Fort Collins-Loveland, CO | 86 | $ 17,482,000 | $ 203,279 | $ 90,000 |
| Lake Havasu City-Kingman, AZ | 85 | $ 13,138,000 | $ 154,564 | $ 74,000 |
| Cambridge-Newton-Framingham, MA | 84 | $ 33,764,000 | $ 401,952 | $ 166,000 |
| Greeley, CO | 79 | $ 16,830,000 | $ 213,037 | $ 90,000 |
| Indianapolis-Carmel, IN | 73 | $ 17,974,000 | $ 246,219 | $ 139,000 |
| San Antonio-New Braunfels, TX | 68 | $ 16,531,000 | $ 243,102 | $ 120,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 67 | $ 15,230,000 | $ 227,313 | $ 110,268 |
| Kansas City, MO-KS | 64 | $ 14,504,000 | $ 226,625 | $ 111,000 |
| Birmingham-Hoover, AL | 62 | $ 14,889,000 | $ 240,145 | $ 110,000 |
| Cleveland-Elyria-Mentor, OH | 62 | $ 16,987,000 | $ 273,983 | $ 144,000 |
| Raleigh-Cary, NC | 59 | $ 16,691,000 | $ 282,898 | $ 136,000 |
| Memphis, TN-MS-AR | 57 | $ 12,190,000 | $ 213,859 | $ 114,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 53 | $ 13,575,000 | $ 256,132 | $ 120,000 |
| Boston-Quincy, MA | 51 | $ 19,683,000 | $ 385,941 | $ 177,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 51 | $ 15,471,000 | $ 303,352 | $ 140,705 |
| Louisville/Jefferson County, KY-IN | 49 | $ 12,552,000 | $ 256,163 | $ 149,244 |
| Kalamazoo-Portage, MI | 48 | $ 10,068,000 | $ 209,750 | $ 124,000 |
| Warren-Troy-Farmington Hills, MI | 46 | $ 11,617,000 | $ 252,543 | $ 140,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 45 | $ 5,853,000 | $ 130,066 | $ 79,000 |
| Oakland-Fremont-Hayward, CA | 45 | $ 21,556,000 | $ 479,022 | $ 168,000 |
| Augusta-Richmond County, GA-SC | 44 | $ 9,862,000 | $ 224,136 | $ 118,545 |
| Huntsville, AL | 44 | $ 11,017,000 | $ 250,386 | $ 126,000 |
| Racine, WI | 44 | $ 5,343,000 | $ 121,431 | $ 58,000 |
| Boise City-Nampa, ID | 42 | $ 10,679,000 | $ 254,261 | $ 116,000 |
| Jackson, MS | 41 | $ 11,536,000 | $ 281,365 | $ 137,000 |
| Albany-Schenectady-Troy, NY | 40 | $ 10,442,000 | $ 261,050 | $ 133,000 |
| Kankakee-Bradley, IL | 40 | $ 4,693,000 | $ 117,325 | $ 59,000 |
| Tulsa, OK | 40 | $ 8,886,000 | $ 222,150 | $ 109,000 |
| Akron, OH | 39 | $ 9,206,000 | $ 236,051 | $ 128,000 |
| Prescott, AZ | 39 | $ 7,103,000 | $ 182,128 | $ 71,000 |
| San Francisco-San Mateo-Redwood City, CA | 38 | $ 23,725,000 | $ 624,342 | $ 296,000 |
| Jacksonville, FL | 37 | $ 8,909,000 | $ 240,783 | $ 116,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 37 | $ 9,469,000 | $ 255,918 | $ 132,000 |
| Richmond, VA | 36 | $ 10,159,000 | $ 282,194 | $ 118,000 |
| Michigan City-La Porte, IN | 35 | $ 4,393,000 | $ 125,514 | $ 59,000 |
| Punta Gorda, FL | 33 | $ 4,764,000 | $ 144,363 | $ 129,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 33 | $ 18,436,000 | $ 558,666 | $ 210,000 |
| Florence, SC | 31 | $ 7,197,000 | $ 232,161 | $ 104,000 |
| Greenville-Mauldin-Easley, SC | 31 | $ 7,321,000 | $ 236,161 | $ 130,000 |
| Lebanon, PA | 31 | $ 5,967,000 | $ 192,483 | $ 86,000 |
| New Haven-Milford, CT | 31 | $ 9,612,000 | $ 310,064 | $ 140,000 |
| New Orleans-Metairie-Kenner, LA | 30 | $ 6,887,000 | $ 229,566 | $ 123,000 |
| Rockford, IL | 30 | $ 4,742,000 | $ 158,066 | $ 90,000 |
| Greensboro-High Point, NC | 29 | $ 7,032,000 | $ 242,482 | $ 131,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 29 | $ 7,446,000 | $ 256,758 | $ 123,068 |
| Austin-Round Rock-San Marcos, TX | 28 | $ 6,781,000 | $ 242,178 | $ 124,000 |
| Grand Rapids-Wyoming, MI | 28 | $ 6,785,000 | $ 242,321 | $ 125,000 |
| Syracuse, NY | 28 | $ 5,611,000 | $ 200,392 | $ 118,000 |
| Toledo, OH | 28 | $ 6,446,000 | $ 230,214 | $ 139,000 |
| Charleston-North Charleston-Summerville, SC | 27 | $ 6,429,000 | $ 238,111 | $ 121,000 |
| Columbia, SC | 27 | $ 5,951,000 | $ 220,407 | $ 113,000 |
| Knoxville, TN | 27 | $ 6,472,000 | $ 239,703 | $ 123,000 |
| Salt Lake City, UT | 27 | $ 7,359,000 | $ 272,555 | $ 121,000 |
| Peabody, MA | 26 | $ 10,375,000 | $ 399,038 | $ 139,000 |
| Baton Rouge, LA | 25 | $ 5,933,000 | $ 237,320 | $ 117,000 |
| Little Rock-North Little Rock-Conway, AR | 25 | $ 5,340,000 | $ 213,600 | $ 120,000 |
| Madison, WI | 24 | $ 5,907,000 | $ 246,125 | $ 140,000 |
| Oklahoma City, OK | 24 | $ 5,432,000 | $ 226,333 | $ 96,000 |
| Evansville, IN-KY | 23 | $ 5,199,000 | $ 226,043 | $ 120,347 |
| Niles-Benton Harbor, MI | 22 | $ 4,514,000 | $ 205,181 | $ 130,000 |
| Palm Bay-Melbourne-Titusville, FL | 22 | $ 4,135,000 | $ 187,954 | $ 106,000 |
| Providence-New Bedford-Fall River, RI-MA | 22 | $ 7,183,000 | $ 326,500 | $ 141,090 |
| Fayetteville-Springdale-Rogers, AR-MO | 21 | $ 5,162,000 | $ 245,809 | $ 110,000 |
| Lancaster, PA | 21 | $ 6,366,000 | $ 303,142 | $ 138,000 |
| Worcester, MA | 21 | $ 7,616,000 | $ 362,666 | $ 155,000 |
| Albuquerque, NM | 20 | $ 4,298,000 | $ 214,900 | $ 115,000 |
| Detroit-Livonia-Dearborn, MI | 20 | $ 4,567,000 | $ 228,350 | $ 177,000 |
| Gainesville, GA | 18 | $ 3,957,000 | $ 219,833 | $ 81,000 |
| Rockingham County-Strafford County, NH | 18 | $ 5,045,000 | $ 280,277 | $ 168,000 |
| Kennewick-Pasco-Richland, WA | 17 | $ 3,883,000 | $ 228,411 | $ 137,000 |
| Winchester, VA-WV | 17 | $ 4,686,000 | $ 275,647 | $ 122,000 |
| Portland-South Portland-Biddeford, ME | 16 | $ 3,670,000 | $ 229,375 | $ 102,000 |
| Wilmington, NC | 16 | $ 4,330,000 | $ 270,625 | $ 144,000 |
| Midland, TX | 15 | $ 3,427,000 | $ 228,466 | $ 91,000 |
| Reading, PA | 15 | $ 3,636,000 | $ 242,400 | $ 116,000 |
| Winston-Salem, NC | 15 | $ 2,238,000 | $ 149,200 | $ 77,000 |
| Youngstown-Warren-Boardman, OH-PA | 15 | $ 2,108,000 | $ 140,533 | $ 75,066 |
| Erie, PA | 14 | $ 3,039,000 | $ 217,071 | $ 123,000 |
| Lynchburg, VA | 14 | $ 3,031,000 | $ 216,500 | $ 116,000 |
| Ocean City, NJ | 14 | $ 3,760,000 | $ 268,571 | $ 150,000 |
| Pensacola-Ferry Pass-Brent, FL | 14 | $ 3,021,000 | $ 215,785 | $ 129,000 |
| Pueblo, CO | 14 | $ 2,194,000 | $ 156,714 | $ 76,000 |
| Shreveport-Bossier City, LA | 14 | $ 3,172,000 | $ 226,571 | $ 114,000 |
| Wichita, KS | 14 | $ 3,150,000 | $ 225,000 | $ 141,000 |
| Anderson, SC | 13 | $ 2,757,000 | $ 212,076 | $ 123,000 |
| Dayton, OH | 13 | $ 2,405,000 | $ 185,000 | $ 116,000 |
| Hagerstown-Martinsburg, MD-WV | 13 | $ 2,712,000 | $ 208,615 | $ 135,692 |
| Ogden-Clearfield, UT | 13 | $ 3,671,000 | $ 282,384 | $ 133,000 |
| Rochester, NY | 13 | $ 2,443,000 | $ 187,923 | $ 84,000 |
| Bakersfield-Delano, CA | 12 | $ 3,346,000 | $ 278,833 | $ 142,000 |
| Kingsport-Bristol-Bristol, TN-VA | 12 | $ 2,464,000 | $ 205,333 | $ 110,583 |
| Manchester-Nashua, NH | 12 | $ 3,460,000 | $ 288,333 | $ 139,000 |
| Omaha-Council Bluffs, NE-IA | 12 | $ 2,010,000 | $ 167,500 | $ 105,750 |
| Salisbury, MD | 12 | $ 2,113,000 | $ 176,083 | $ 82,000 |
| Tacoma, WA | 12 | $ 3,229,000 | $ 269,083 | $ 101,000 |
| Ann Arbor, MI | 11 | $ 2,458,000 | $ 223,454 | $ 109,000 |
| Bowling Green, KY | 11 | $ 2,418,000 | $ 219,818 | $ 131,000 |
| Cleveland, TN | 11 | $ 2,279,000 | $ 207,181 | $ 109,000 |
| Johnson City, TN | 11 | $ 2,582,000 | $ 234,727 | $ 139,000 |
| Modesto, CA | 11 | $ 2,874,000 | $ 261,272 | $ 135,000 |
| Montgomery, AL | 11 | $ 2,535,000 | $ 230,454 | $ 93,000 |
| Savannah, GA | 11 | $ 2,357,000 | $ 214,272 | $ 111,000 |
| Springfield, MA | 11 | $ 2,781,000 | $ 252,818 | $ 120,000 |
| Anchorage, AK | 10 | $ 3,085,000 | $ 308,500 | $ 135,000 |
| Beaumont-Port Arthur, TX | 10 | $ 1,814,000 | $ 181,400 | $ 119,000 |
| Corpus Christi, TX | 10 | $ 2,013,000 | $ 201,300 | $ 91,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 10 | $ 2,380,000 | $ 238,000 | $ 144,000 |
| Atlantic City-Hammonton, NJ | 9 | $ 1,871,000 | $ 207,888 | $ 193,000 |
| Bremerton-Silverdale, WA | 9 | $ 2,154,000 | $ 239,333 | $ 136,000 |
| Dover, DE | 9 | $ 1,587,000 | $ 176,333 | $ 73,000 |
| Duluth, MN-WI | 9 | $ 1,806,000 | $ 200,666 | $ 122,000 |
| Durham-Chapel Hill, NC | 9 | $ 2,177,000 | $ 241,888 | $ 145,000 |
| Stockton, CA | 9 | $ 2,802,000 | $ 311,333 | $ 136,000 |
| Tyler, TX | 9 | $ 1,486,000 | $ 165,111 | $ 127,000 |
| Asheville, NC | 8 | $ 2,063,000 | $ 257,875 | $ 92,000 |
| Buffalo-Niagara Falls, NY | 8 | $ 1,494,000 | $ 186,750 | $ 92,000 |
| El Paso, TX | 8 | $ 1,669,000 | $ 208,625 | $ 135,000 |
| Fort Wayne, IN | 8 | $ 1,700,000 | $ 212,500 | $ 133,000 |
| Jackson, MI | 8 | $ 1,287,000 | $ 160,875 | $ 110,000 |
| Lubbock, TX | 8 | $ 1,116,000 | $ 139,500 | $ 89,000 |
| Scranton--Wilkes-Barre, PA | 8 | $ 1,117,000 | $ 139,625 | $ 103,000 |
| Champaign-Urbana, IL | 7 | $ 946,000 | $ 135,142 | $ 107,000 |
| Farmington, NM | 7 | $ 1,796,000 | $ 256,571 | $ 116,000 |
| Fresno, CA | 7 | $ 1,462,000 | $ 208,857 | $ 217,000 |
| Gainesville, FL | 7 | $ 1,333,000 | $ 190,428 | $ 126,000 |
| Lafayette, LA | 7 | $ 1,690,000 | $ 241,428 | $ 117,000 |
| Macon, GA | 7 | $ 1,745,000 | $ 249,285 | $ 93,000 |
| Ocala, FL | 7 | $ 1,040,000 | $ 148,571 | $ 90,000 |
| Roanoke, VA | 7 | $ 2,040,000 | $ 291,428 | $ 146,000 |
| State College, PA | 7 | $ 1,703,000 | $ 243,285 | $ 118,000 |
| Tuscaloosa, AL | 7 | $ 1,298,000 | $ 185,428 | $ 81,000 |
| Appleton, WI | 6 | $ 1,192,000 | $ 198,666 | $ 118,000 |
| Barnstable Town, MA | 6 | $ 1,312,000 | $ 218,666 | $ 135,000 |
| Battle Creek, MI | 6 | $ 1,290,000 | $ 215,000 | $ 137,000 |
| Dalton, GA | 6 | $ 1,118,000 | $ 186,333 | $ 165,000 |
| Des Moines-West Des Moines, IA | 6 | $ 1,578,000 | $ 263,000 | $ 123,000 |
| Dothan, AL | 6 | $ 1,308,000 | $ 218,000 | $ 162,000 |
| Elmira, NY | 6 | $ 1,249,000 | $ 208,166 | $ 115,000 |
| Jackson, TN | 6 | $ 1,020,000 | $ 170,000 | $ 82,000 |
| Lexington-Fayette, KY | 6 | $ 1,225,000 | $ 204,166 | $ 121,000 |
| McAllen-Edinburg-Mission, TX | 6 | $ 1,454,000 | $ 242,333 | $ 150,000 |
| Mobile, AL | 6 | $ 825,000 | $ 137,500 | $ 82,000 |
| Provo-Orem, UT | 6 | $ 1,191,000 | $ 198,500 | $ 105,000 |
| Sheboygan, WI | 6 | $ 1,091,000 | $ 181,833 | $ 155,000 |
| Topeka, KS | 6 | $ 1,204,000 | $ 200,666 | $ 120,000 |
| Crestview-Fort Walton Beach-Destin, FL | 5 | $ 1,059,000 | $ 211,800 | $ 114,000 |
| Decatur, IL | 5 | $ 846,000 | $ 169,200 | $ 90,000 |
| Flagstaff, AZ | 5 | $ 674,000 | $ 134,800 | $ 81,000 |
| Holland-Grand Haven, MI | 5 | $ 1,078,000 | $ 215,600 | $ 103,000 |
| Idaho Falls, ID | 5 | $ 1,116,000 | $ 223,200 | $ 100,000 |
| Muskegon-Norton Shores, MI | 5 | $ 507,000 | $ 101,400 | $ 116,000 |
| Norwich-New London, CT | 5 | $ 1,405,000 | $ 281,000 | $ 145,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 5 | $ 1,018,000 | $ 203,600 | $ 164,000 |
| Rome, GA | 5 | $ 1,021,000 | $ 204,200 | $ 87,000 |
| Santa Rosa-Petaluma, CA | 5 | $ 1,828,000 | $ 365,600 | $ 108,000 |
| Sherman-Denison, TX | 5 | $ 872,000 | $ 174,400 | $ 81,000 |
| South Bend-Mishawaka, IN-MI | 5 | $ 816,000 | $ 163,200 | $ 99,000 |
| Vallejo-Fairfield, CA | 5 | $ 1,225,000 | $ 245,000 | $ 105,000 |
| Amarillo, TX | 4 | $ 733,000 | $ 183,250 | $ 115,000 |
| Auburn-Opelika, AL | 4 | $ 905,000 | $ 226,250 | $ 125,000 |
| Brunswick, GA | 4 | $ 684,000 | $ 171,000 | $ 100,000 |
| Charleston, WV | 4 | $ 634,000 | $ 158,500 | $ 76,000 |
| Clarksville, TN-KY | 4 | $ 609,000 | $ 152,250 | $ 70,000 |
| Columbia, MO | 4 | $ 624,000 | $ 156,000 | $ 69,000 |
| Florence-Muscle Shoals, AL | 4 | $ 603,000 | $ 150,750 | $ 85,000 |
| Fond Du Lac, WI | 4 | $ 746,000 | $ 186,500 | $ 109,000 |
| Gadsden, AL | 4 | $ 818,000 | $ 204,500 | $ 88,000 |
| Grand Junction, CO | 4 | $ 627,000 | $ 156,750 | $ 82,000 |
| Green Bay, WI | 4 | $ 840,000 | $ 210,000 | $ 92,000 |
| Greenville, NC | 4 | $ 836,000 | $ 209,000 | $ 105,000 |
| Gulfport-Biloxi, MS | 4 | $ 713,000 | $ 178,250 | $ 129,000 |
| Hickory-Lenoir-Morganton, NC | 4 | $ 872,000 | $ 218,000 | $ 73,000 |
| Janesville, WI | 4 | $ 783,000 | $ 195,750 | $ 118,000 |
| Killeen-Temple-Fort Hood, TX | 4 | $ 510,000 | $ 127,500 | $ 82,000 |
| Lake Charles, LA | 4 | $ 728,000 | $ 182,000 | $ 95,000 |
| Salinas, CA | 4 | $ 1,298,000 | $ 324,500 | $ 120,000 |
| San Luis Obispo-Paso Robles, CA | 4 | $ 1,750,000 | $ 437,500 | $ 145,000 |
| Santa Cruz-Watsonville, CA | 4 | $ 1,765,000 | $ 441,250 | $ 176,000 |
| Santa Fe, NM | 4 | $ 776,000 | $ 194,000 | $ 100,000 |
| Spartanburg, SC | 4 | $ 1,190,000 | $ 297,500 | $ 114,000 |
| Springfield, MO | 4 | $ 573,000 | $ 143,250 | $ 94,000 |
| Springfield, OH | 4 | $ 1,026,000 | $ 256,500 | $ 148,000 |
| St. Joseph, MO-KS | 4 | $ 730,000 | $ 182,500 | $ 106,000 |
| Tallahassee, FL | 4 | $ 806,000 | $ 201,500 | $ 103,000 |
| Visalia-Porterville, CA | 4 | $ 984,000 | $ 246,000 | $ 108,000 |
| Warner Robins, GA | 4 | $ 466,000 | $ 116,500 | $ 81,000 |
| Williamsport, PA | 4 | $ 1,000,000 | $ 250,000 | $ 108,000 |
| Abilene, TX | 3 | $ 375,000 | $ 125,000 | $ 102,000 |
| Albany, GA | 3 | $ 457,000 | $ 152,333 | $ 58,000 |
| Bellingham, WA | 3 | $ 873,000 | $ 291,000 | $ 134,000 |
| Binghamton, NY | 3 | $ 651,000 | $ 217,000 | $ 112,000 |
| Bismarck, ND | 3 | $ 463,000 | $ 154,333 | $ 93,000 |
| Bloomington-Normal, IL | 3 | $ 316,000 | $ 105,333 | $ 65,000 |
| Burlington-South Burlington, VT | 3 | $ 610,000 | $ 203,333 | $ 99,000 |
| Canton-Massillon, OH | 3 | $ 587,000 | $ 195,666 | $ 78,000 |
| Charlottesville, VA | 3 | $ 934,000 | $ 311,333 | $ 137,000 |
| Chico, CA | 3 | $ 783,000 | $ 261,000 | $ 221,000 |
| College Station-Bryan, TX | 3 | $ 697,000 | $ 232,333 | $ 119,000 |
| Cumberland, MD-WV | 3 | $ 662,000 | $ 220,666 | $ 115,666 |
| Davenport-Moline-Rock Island, IA-IL | 3 | $ 453,000 | $ 151,000 | $ 96,000 |
| Decatur, AL | 3 | $ 898,000 | $ 299,333 | $ 161,000 |
| Eugene-Springfield, OR | 3 | $ 981,000 | $ 327,000 | $ 122,000 |
| Flint, MI | 3 | $ 429,000 | $ 143,000 | $ 82,000 |
| Grand Forks, ND-MN | 3 | $ 515,000 | $ 171,666 | $ 89,000 |
| Hattiesburg, MS | 3 | $ 483,000 | $ 161,000 | $ 90,000 |
| Huntington-Ashland, WV-KY-OH | 3 | $ 437,000 | $ 145,666 | $ 67,666 |
| Iowa City, IA | 3 | $ 839,000 | $ 279,666 | $ 125,000 |
| Joplin, MO | 3 | $ 406,000 | $ 135,333 | $ 106,000 |
| Lincoln, NE | 3 | $ 622,000 | $ 207,333 | $ 94,000 |
| Medford, OR | 3 | $ 627,000 | $ 209,000 | $ 93,000 |
| Merced, CA | 3 | $ 352,000 | $ 117,333 | $ 82,000 |
| Missoula, MT | 3 | $ 669,000 | $ 223,000 | $ 69,000 |
| Monroe, MI | 3 | $ 536,000 | $ 178,666 | $ 91,000 |
| Morristown, TN | 3 | $ 528,000 | $ 176,000 | $ 79,000 |
| Mount Vernon-Anacortes, WA | 3 | $ 1,082,000 | $ 360,666 | $ 124,000 |
| Peoria, IL | 3 | $ 505,000 | $ 168,333 | $ 114,000 |
| Pittsfield, MA | 3 | $ 961,000 | $ 320,333 | $ 145,000 |
| Redding, CA | 3 | $ 673,000 | $ 224,333 | $ 80,000 |
| Saginaw-Saginaw Township North, MI | 3 | $ 696,000 | $ 232,000 | $ 111,000 |
| Spokane, WA | 3 | $ 861,000 | $ 287,000 | $ 118,000 |
| Waco, TX | 3 | $ 743,000 | $ 247,666 | $ 106,000 |
| Wichita Falls, TX | 3 | $ 522,000 | $ 174,000 | $ 101,000 |
| Alexandria, LA | 2 | $ 337,000 | $ 168,500 | $ 66,000 |
| Anderson, IN | 2 | $ 322,000 | $ 161,000 | $ 76,000 |
| Billings, MT | 2 | $ 244,000 | $ 122,000 | $ 47,000 |
| Columbus, GA-AL | 2 | $ 368,000 | $ 184,000 | $ 80,000 |
| Danville, IL | 2 | $ 171,000 | $ 85,500 | $ 35,000 |
| Eau Claire, WI | 2 | $ 380,000 | $ 190,000 | $ 84,000 |
| El Centro, CA | 2 | $ 405,000 | $ 202,500 | $ 66,000 |
| Elkhart-Goshen, IN | 2 | $ 324,000 | $ 162,000 | $ 93,000 |
| Fargo, ND-MN | 2 | $ 572,000 | $ 286,000 | $ 149,000 |
| Fayetteville, NC | 2 | $ 508,000 | $ 254,000 | $ 149,000 |
| Houma-Bayou Cane-Thibodaux, LA | 2 | $ 295,000 | $ 147,500 | $ 74,000 |
| Jacksonville, NC | 2 | $ 375,000 | $ 187,500 | $ 88,000 |
| Kokomo, IN | 2 | $ 335,000 | $ 167,500 | $ 125,000 |
| Lansing-East Lansing, MI | 2 | $ 426,000 | $ 213,000 | $ 106,000 |
| Las Cruces, NM | 2 | $ 511,000 | $ 255,500 | $ 90,000 |
| Lawrence, KS | 2 | $ 267,000 | $ 133,500 | $ 138,000 |
| Lewiston-Auburn, ME | 2 | $ 367,000 | $ 183,500 | $ 87,000 |
| Longview, TX | 2 | $ 385,000 | $ 192,500 | $ 91,000 |
| Monroe, LA | 2 | $ 350,000 | $ 175,000 | $ 96,000 |
| Morgantown, WV | 2 | $ 520,000 | $ 260,000 | $ 118,000 |
| Muncie, IN | 2 | $ 333,000 | $ 166,500 | $ 90,000 |
| Olympia, WA | 2 | $ 391,000 | $ 195,500 | $ 114,000 |
| Oshkosh-Neenah, WI | 2 | $ 650,000 | $ 325,000 | $ 198,000 |
| Owensboro, KY | 2 | $ 283,000 | $ 141,500 | $ 102,000 |
| Palm Coast, FL | 2 | $ 258,000 | $ 129,000 | $ 89,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 2 | $ 280,000 | $ 140,000 | $ 94,000 |
| Pascagoula, MS | 2 | $ 454,000 | $ 227,000 | $ 183,000 |
| San Angelo, TX | 2 | $ 354,000 | $ 177,000 | $ 133,000 |
| Sioux Falls, SD | 2 | $ 554,000 | $ 277,000 | $ 127,000 |
| Steubenville-Weirton, OH-WV | 2 | $ 261,000 | $ 130,500 | $ 75,000 |
| Valdosta, GA | 2 | $ 331,000 | $ 165,500 | $ 69,000 |
| Victoria, TX | 2 | $ 426,000 | $ 213,000 | $ 103,000 |
| Vineland-Millville-Bridgeton, NJ | 2 | $ 182,000 | $ 91,000 | $ 79,000 |
| Yuma, AZ | 2 | $ 345,000 | $ 172,500 | $ 72,000 |
| Anniston-Oxford, AL | 1 | $ 89,000 | $ 89,000 | $ 60,000 |
| Bangor, ME | 1 | $ 200,000 | $ 200,000 | $ 80,000 |
| Bay City, MI | 1 | $ 150,000 | $ 150,000 | $ 122,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 332,000 | $ 332,000 | $ 169,000 |
| Bloomington, IN | 1 | $ 21,000 | $ 21,000 | $ 55,000 |
| Burlington, NC | 1 | $ 147,000 | $ 147,000 | $ 75,000 |
| Casper, WY | 1 | $ 370,000 | $ 370,000 | $ 180,000 |
| Cedar Rapids, IA | 1 | $ 299,000 | $ 299,000 | $ 162,000 |
| Cheyenne, WY | 1 | $ 166,000 | $ 166,000 | $ 85,000 |
| Coeur D'Alene, ID | 1 | $ 103,000 | $ 103,000 | $ 156,000 |
| Columbus, IN | 1 | $ 129,000 | $ 129,000 | $ 91,000 |
| Corvallis, OR | 1 | $ 248,000 | $ 248,000 | $ 201,000 |
| Goldsboro, NC | 1 | $ 410,000 | $ 410,000 | $ 240,000 |
| Hot Springs, AR | 1 | $ 211,000 | $ 211,000 | $ 108,000 |
| Ithaca, NY | 1 | $ 366,000 | $ 366,000 | $ 212,000 |
| Jefferson City, MO | 1 | $ 293,000 | $ 293,000 | $ 132,000 |
| Johnstown, PA | 1 | $ 59,000 | $ 59,000 | $ 35,000 |
| Jonesboro, AR | 1 | $ 328,000 | $ 328,000 | $ 93,000 |
| La Crosse, WI-MN | 1 | $ 63,000 | $ 63,000 | $ 34,000 |
| Lafayette, IN | 1 | $ 345,000 | $ 345,000 | $ 207,000 |
| Laredo, TX | 1 | $ 210,000 | $ 210,000 | $ 120,000 |
| Longview, WA | 1 | $ 195,000 | $ 195,000 | $ 76,000 |
| Manhattan, KS | 1 | $ 182,000 | $ 182,000 | $ 58,000 |
| Napa, CA | 1 | $ 37,000 | $ 37,000 | $ 40,000 |
| Odessa, TX | 1 | $ 73,000 | $ 73,000 | $ 36,000 |
| Rapid City, SD | 1 | $ 125,000 | $ 125,000 | $ 100,000 |
| Rocky Mount, NC | 1 | $ 129,000 | $ 129,000 | $ 116,000 |
| Sebastian-Vero Beach, FL | 1 | $ 136,000 | $ 136,000 | $ 60,000 |
| Sioux City, IA-NE-SD | 1 | $ 95,000 | $ 95,000 | $ 82,000 |
| Utica-Rome, NY | 1 | $ 153,000 | $ 153,000 | $ 87,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 263,000 | $ 263,000 | $ 165,000 |
| Wheeling, WV-OH | 1 | $ 210,000 | $ 210,000 | $ 143,000 |
| Yakima, WA | 1 | $ 234,000 | $ 234,000 | $ 110,000 |
| Yuba City, CA | 1 | $ 202,000 | $ 202,000 | $ 98,000 |
Mortgage Loan Application Detail Totals for PHH Home Loans, LLC in 2012
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 | 28,501 | $6,726,254,000 | $236,000 | $2,951,000 | $111,000 | $7,328,000 |
| Refinancing | 14,150 | $3,745,065,000 | $264,000 | $2,773,000 | $127,000 | $3,735,000 |
| Home Improvement | 85 | $19,221,000 | $226,000 | $910,000 | $116,000 | $650,000 |
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 | 24,321 | $5,879,617,000 | $241,000 | $2,951,000 | $115,000 | $7,328,000 |
| Not Provided | 14,505 | $3,720,094,000 | $256,000 | $2,500,000 | $122,000 | $3,735,000 |
| Hispanic | 1,577 | $318,669,000 | $202,000 | $1,428,000 | $90,000 | $912,000 |
| Asian | 1,260 | $351,802,000 | $279,000 | $1,830,000 | $124,000 | $1,103,000 |
| Black or African American | 924 | $184,113,000 | $199,000 | $1,365,000 | $92,000 | $3,164,000 |
| American Indian or Alaskan Native | 80 | $18,262,000 | $228,000 | $716,000 | $99,000 | $316,000 |
| Native Hawaiian or Other Pacific Islander | 66 | $16,897,000 | $256,000 | $669,000 | $106,000 | $400,000 |
| Not applicable | 3 | $1,086,000 | $362,000 | $598,000 | $148,000 | $269,000 |
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) | 30,199 | $7,884,014,000 | $261,000 | $2,951,000 | $132,000 | $7,328,000 |
| FHA-insured (Federal Housing Administration) | 9,238 | $1,775,769,000 | $192,000 | $743,000 | $77,000 | $6,401,000 |
| VA-guaranteed (Veterans Administration) | 3,000 | $787,578,000 | $262,000 | $1,094,000 | $91,000 | $773,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 299 | $43,179,000 | $144,000 | $1,551,000 | $50,000 | $290,000 |
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 | 28,175 | $6,873,781,000 | $243,000 | $2,951,000 | $115,000 | $4,302,000 |
| Application Withdrawn By Applicant | 7,105 | $1,812,823,000 | $255,000 | $2,773,000 | $122,000 | $7,328,000 |
| Application Approved But Not Accepted | 3,778 | $962,673,000 | $254,000 | $1,558,000 | $124,000 | $2,180,000 |
| Application Denied By Financial Institution | 3,421 | $759,857,000 | $222,000 | $1,300,000 | $105,000 | $1,601,000 |
| File Closed For Incompleteness | 257 | $81,406,000 | $316,000 | $1,830,000 | $148,000 | $2,535,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 1,469 | $334,956,000 | $228,000 | $1,162,000 | $122,000 | $1,416,000 |
| Debt-To-Income Ratio | 747 | $163,513,000 | $218,000 | $1,300,000 | $72,000 | $500,000 |
| Other | 408 | $86,464,000 | $211,000 | $1,013,000 | $112,000 | $900,000 |
| Credit History | 345 | $66,099,000 | $191,000 | $1,000,000 | $85,000 | $914,000 |
| Unverifiable Information | 111 | $26,013,000 | $234,000 | $780,000 | $109,000 | $1,128,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 101 | $19,555,000 | $193,000 | $617,000 | $100,000 | $674,000 |
| Employment History | 86 | $16,343,000 | $190,000 | $600,000 | $64,000 | $240,000 |
| Credit Application Incomplete | 47 | $11,820,000 | $251,000 | $1,000,000 | $172,000 | $1,333,000 |
| Mortgage Insurance Denied | 10 | $2,595,000 | $259,000 | $400,000 | $118,000 | $196,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into PHH Home Loans, LLC's 2012 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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