Rateone Home Loans,Llc Mortgage Lending & HMDA Data, 2004

In 2004, Rateone Home Loans,Llc of Las Vegas, NV reported 3,280 mortgage applications totaling $563.0 million, down 63% from 2003. The average application was for $171,632, and applicants reported an average income of $77,128. 34% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Las Vegas-Paradise, NV (1,136), Phoenix-Mesa-Scottsdale, AZ (234) and Los Angeles-Long Beach-Glendale, CA (177) (applications in parentheses).

Mortgage Company & Address Rateone Home Loans,Llc
7660 Industrial Rd.,Ste.201b
Las Vegas, NV 89139
Tel #: available with data download
Federal Regulator * available with data download
Years 2004  2003  
Total Number of Mortgage Applications 3,280
Total Mortgage Loan Application Amount $562,956,000
Average Mortgage Loan Application Amount $171,632
Highest Mortgage Loan Application Amount $1,260,000
Average Applicant Income $77,128
Highest Applicant Income $6,655,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Rateone Home Loans,Llc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Rateone Home Loans,Llc by Metropolitan Area in 2004

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
Las Vegas-Paradise, NV 1,136 $ 221,592,000 $ 195,063 $ 66,000
Phoenix-Mesa-Scottsdale, AZ 234 $ 28,608,000 $ 122,256 $ 63,000
Los Angeles-Long Beach-Glendale, CA 177 $ 39,762,000 $ 224,644 $ 73,000
Riverside-San Bernardino-Ontario, CA 175 $ 34,516,000 $ 197,234 $ 75,000
Fort Lauderdale-Pompano Beach-Deerfield Beach, FL 130 $ 21,864,000 $ 168,184 $ 74,000
Miami-Miami Beach-Kendall, FL 110 $ 16,525,000 $ 150,227 $ 68,000
San Diego-Carlsbad-San Marcos, CA 84 $ 21,652,000 $ 257,761 $ 98,000
Houston-Baytown-Sugar Land, TX 75 $ 8,660,000 $ 115,466 $ 74,000
Santa Ana-Anaheim-Irvine, CA 48 $ 14,350,000 $ 298,958 $ 103,000
Minneapolis-St. Paul-Bloomington, MN-WI 46 $ 8,000,000 $ 173,913 $ 62,000
Atlanta-Sandy Springs-Marietta, GA 43 $ 6,521,000 $ 151,651 $ 64,000
Chicago-Naperville-Joliet, IL 42 $ 6,490,000 $ 154,523 $ 328,000
Charlotte-Gastonia-Concord, NC-SC 30 $ 3,646,000 $ 121,533 $ 54,000
Tampa-St. Petersburg-Clearwater, FL 30 $ 4,354,000 $ 145,133 $ 78,000
West Palm Beach-Boca Raton-Boynton Beach, FL 26 $ 3,724,000 $ 143,230 $ 63,000
Sacramento--Arden-Arcade--Roseville, CA 22 $ 5,114,000 $ 232,454 $ 97,000
Dallas-Plano-Irving, TX 17 $ 1,917,000 $ 112,764 $ 333,000
Cleveland-Elyria-Mentor, OH 16 $ 1,565,000 $ 97,812 $ 50,000
Oakland-Fremont-Hayward, CA 16 $ 4,845,000 $ 302,812 $ 96,000
Orlando, FL 15 $ 1,882,000 $ 125,466 $ 81,000
Bakersfield, CA 14 $ 1,955,000 $ 139,642 $ 60,000
Cincinnati-Middletown, OH-KY-IN 14 $ 1,622,000 $ 115,857 $ 135,000
St. Louis, MO-IL 13 $ 1,294,000 $ 99,538 $ 51,000
Columbus, OH 12 $ 1,580,000 $ 131,666 $ 96,000
Fort Worth-Arlington, TX 11 $ 1,356,000 $ 123,272 $ 58,000
San Jose-Sunnyvale-Santa Clara, CA 11 $ 3,211,000 $ 291,909 $ 189,000
Lake County-Kenosha County, IL-WI 10 $ 2,637,000 $ 263,700 $ 136,000
San Antonio, TX 10 $ 1,177,000 $ 117,700 $ 67,000
Tucson, AZ 10 $ 1,118,000 $ 111,800 $ 59,000
Colorado Springs, CO 9 $ 1,088,000 $ 120,888 $ 47,000
Oxnard-Thousand Oaks-Ventura, CA 9 $ 1,897,000 $ 210,777 $ 70,000
Albuquerque, NM 8 $ 1,157,000 $ 144,625 $ 59,000
Jacksonville, FL 8 $ 1,375,000 $ 171,875 $ 138,000
New Haven-Milford, CT 8 $ 1,206,000 $ 150,750 $ 67,000
Vallejo-Fairfield, CA 8 $ 2,531,000 $ 316,375 $ 171,000
Hartford-West Hartford-East Hartford, CT 7 $ 1,332,000 $ 190,285 $ 79,000
Prescott, AZ 7 $ 1,177,000 $ 168,142 $ 61,000
Virginia Beach-Norfolk-Newport News, VA-NC 7 $ 1,356,000 $ 193,714 $ 93,000
Deltona-Daytona Beach-Ormond Beach, FL 6 $ 647,000 $ 107,833 $ 71,000
Kansas City, MO-KS 6 $ 510,000 $ 85,000 $ 42,000
Lakeland, FL 6 $ 697,000 $ 116,166 $ 59,000
Milwaukee-Waukesha-West Allis, WI 6 $ 839,000 $ 139,833 $ 52,000
Mobile, AL 6 $ 367,000 $ 61,166 $ 92,000
Raleigh-Cary, NC 6 $ 820,000 $ 136,666 $ 57,000
Salinas, CA 6 $ 1,852,000 $ 308,666 $ 148,000
Spokane, WA 6 $ 758,000 $ 126,333 $ 78,000
Yuma, AZ 6 $ 702,000 $ 117,000 $ 55,000
Austin-Round Rock, TX 5 $ 690,000 $ 138,000 $ 71,000
Bridgeport-Stamford-Norwalk, CT 5 $ 632,000 $ 126,400 $ 64,000
Canton-Massillon, OH 5 $ 425,000 $ 85,000 $ 34,000
Charleston-North Charleston, SC 5 $ 536,000 $ 107,200 $ 56,000
Denver-Aurora, CO 5 $ 1,123,000 $ 224,600 $ 89,000
Detroit-Livonia-Dearborn, MI 5 $ 515,000 $ 103,000 $ 78,000
Fresno, CA 5 $ 480,000 $ 96,000 $ 61,000
Myrtle Beach-Conway-North Myrtle Beach, SC 5 $ 501,000 $ 100,200 $ 55,000
Nashville-Davidson--Murfreesboro, TN 5 $ 728,000 $ 145,600 $ 57,000
Portland-Vancouver-Beaverton, OR-WA 5 $ 629,000 $ 125,800 $ 115,000
Rockingham County-Strafford County, NH 5 $ 781,000 $ 156,200 $ 50,000
Stockton, CA 5 $ 1,073,000 $ 214,600 $ 71,000
Toledo, OH 5 $ 327,000 $ 65,400 $ 36,000
Tulsa, OK 5 $ 431,000 $ 86,200 $ 55,000
Victoria, TX 5 $ 519,000 $ 103,800 $ 80,000
Asheville, NC 4 $ 507,000 $ 126,750 $ 59,000
Beaumont-Port Arthur, TX 4 $ 297,000 $ 74,250 $ 67,000
Bremerton-Silverdale, WA 4 $ 363,000 $ 90,750 $ 39,000
Columbia, SC 4 $ 534,000 $ 133,500 $ 62,000
Dayton, OH 4 $ 548,000 $ 137,000 $ 72,000
Fayetteville, NC 4 $ 288,000 $ 72,000 $ 34,000
Hickory-Lenoir-Morganton, NC 4 $ 504,000 $ 126,000 $ 44,000
Louisville, KY-IN 4 $ 475,000 $ 118,750 $ 53,000
Merced, CA 4 $ 493,000 $ 123,250 $ 48,000
Port St. Lucie-Fort Pierce, FL 4 $ 730,000 $ 182,500 $ 54,000
Richmond, VA 4 $ 681,000 $ 170,250 $ 218,000
San Francisco-San Mateo-Redwood City, CA 4 $ 869,000 $ 217,250 $ 79,000
Santa Barbara-Santa Maria-Goleta, CA 4 $ 1,301,000 $ 325,250 $ 157,000
Seattle-Bellevue-Everett, WA 4 $ 444,000 $ 111,000 $ 37,000
Winston-Salem, NC 4 $ 452,000 $ 113,000 $ 66,000
Augusta-Richmond County, GA-SC 3 $ 339,000 $ 113,000 $ 68,000
Clarksville, TN-KY 3 $ 187,000 $ 62,333 $ 35,000
Kalamazoo-Portage, MI 3 $ 331,000 $ 110,333 $ 47,000
Knoxville, TN 3 $ 466,000 $ 155,333 $ 63,000
Lansing-East Lansing, MI 3 $ 251,000 $ 83,666 $ 35,000
Lima, OH 3 $ 230,000 $ 76,666 $ 36,000
Manchester-Nashua, NH 3 $ 319,000 $ 106,333 $ 24,000
McAllen-Edinburg-Pharr, TX 3 $ 548,000 $ 182,666 $ 44,000
Palm Bay-Melbourne-Titusville, FL 3 $ 629,000 $ 209,666 $ 58,000
Pensacola-Ferry Pass-Brent, FL 3 $ 209,000 $ 69,666 $ 62,000
Reno-Sparks, NV 3 $ 792,000 $ 264,000 $ 30,000
San Luis Obispo-Paso Robles, CA 3 $ 635,000 $ 211,666 $ 169,000
Santa Cruz-Watsonville, CA 3 $ 601,000 $ 200,333 $ 292,000
Sarasota-Bradenton-Venice, FL 3 $ 423,000 $ 141,000 $ 33,000
Springfield, OH 3 $ 277,000 $ 92,333 $ 110,000
Tacoma, WA 3 $ 430,000 $ 143,333 $ 59,000
Topeka, KS 3 $ 262,000 $ 87,333 $ 40,000
Visalia-Porterville, CA 3 $ 528,000 $ 176,000 $ 50,000
Ann Arbor, MI 2 $ 247,000 $ 123,500 $ 46,000
Baton Rouge, LA 2 $ 242,000 $ 121,000 $ 24,000
Bend, OR 2 $ 313,000 $ 156,500 $ 68,000
Boise City-Nampa, ID 2 $ 248,000 $ 124,000 $ 48,000
College Station-Bryan, TX 2 $ 208,000 $ 104,000 $ 88,000
Durham, NC 2 $ 400,000 $ 200,000 $ 58,000
El Centro, CA 2 $ 154,000 $ 77,000 $ 68,000
Flagstaff, AZ 2 $ 126,000 $ 63,000 $ 101,000
Flint, MI 2 $ 232,000 $ 116,000 $ 49,000
Gary, IN 2 $ 255,000 $ 127,500 $ 464,000
Grand Rapids-Wyoming, MI 2 $ 164,000 $ 82,000 $ 60,000
Greensboro-High Point, NC 2 $ 157,000 $ 78,500 $ 66,000
Hanford-Corcoran, CA 2 $ 261,000 $ 130,500 $ 56,000
Jackson, TN 2 $ 137,000 $ 68,500 $ 47,000
Jacksonville, NC 2 $ 179,000 $ 89,500 $ 76,000
Joplin, MO 2 $ 137,000 $ 68,500 $ 62,000
Kennewick-Richland-Pasco, WA 2 $ 217,000 $ 108,500 $ 99,000
Madera, CA 2 $ 183,000 $ 91,500 $ 19,000
Madison, WI 2 $ 255,000 $ 127,500 $ 57,000
Modesto, CA 2 $ 310,000 $ 155,000 $ 66,000
Muskegon-Norton Shores, MI 2 $ 190,000 $ 95,000 $ 31,000
Naples-Marco Island, FL 2 $ 833,000 $ 416,500 $ 128,000
New Orleans-Metairie-Kenner, LA 2 $ 306,000 $ 153,000 $ 27,000
Norwich-New London, CT 2 $ 251,000 $ 125,500 $ 35,000
Ocala, FL 2 $ 115,000 $ 57,500 $ 73,000
Racine, WI 2 $ 202,000 $ 101,000 $ 95,000
Redding, CA 2 $ 400,000 $ 200,000 $ 64,000
Roanoke, VA 2 $ 204,000 $ 102,000 $ 87,000
Savannah, GA 2 $ 343,000 $ 171,500 $ 144,000
St. George, UT 2 $ 387,000 $ 193,500 $ 98,000
Tallahassee, FL 2 $ 221,000 $ 110,500 $ 42,000
Vero Beach, FL 2 $ 220,000 $ 110,000 $ 94,000
Warren-Farmington Hills-Troy, MI 2 $ 583,000 $ 291,500 $ 98,000
Wichita, KS 2 $ 148,000 $ 74,000 $ 55,000
Yakima, WA 2 $ 312,000 $ 156,000 $ 66,000
Youngstown-Warren-Boardman, OH-PA 2 $ 164,000 $ 82,000 $ 47,000
Yuba City, CA 2 $ 258,000 $ 129,000 $ 74,000
Akron, OH 1 $ 73,000 $ 73,000 $ 105,000
Albany, GA 1 $ 160,000 $ 160,000 $ 57,000
Appleton, WI 1 $ 75,000 $ 75,000 $ 66,000
Baltimore-Towson, MD 1 $ 50,000 $ 50,000 $ 99,000
Battle Creek, MI 1 $ 119,000 $ 119,000 $ 48,000
Bellingham, WA 1 $ 124,000 $ 124,000 $ 33,000
Carson City, NV 1 $ 135,000 $ 135,000 $ 79,000
Champaign-Urbana, IL 1 $ 102,000 $ 102,000 $ 44,000
Columbia, MO 1 $ 90,000 $ 90,000 $ 31,000
Corpus Christi, TX 1 $ 75,000 $ 75,000 $ 69,000
Dalton, GA 1 $ 64,000 $ 64,000 $ 51,000
El Paso, TX 1 $ 126,000 $ 126,000 $ 51,000
Elizabethtown, KY 1 $ 78,000 $ 78,000 $ 57,000
Fort Collins-Loveland, CO 1 $ 73,000 $ 73,000 $ 143,000
Fort Walton Beach-Crestview-Destin, FL 1 $ 215,000 $ 215,000 $ 99,000
Greenville, NC 1 $ 65,000 $ 65,000 $ 9,000
Greenville, SC 1 $ 65,000 $ 65,000 $ 686,000
Huntsville, AL 1 $ 260,000 $ 260,000 $ 169,000
Indianapolis, IN 1 $ 109,000 $ 109,000 $ 39,000
Jackson, MI 1 $ 181,000 $ 181,000 $ 79,000
Lexington-Fayette, KY 1 $ 120,000 $ 120,000 $ 47,000
Longview, TX 1 $ 156,000 $ 156,000 $ 66,000
Lynchburg, VA 1 $ 176,000 $ 176,000 $ 66,000
Mansfield, OH 1 $ 75,000 $ 75,000 $ 34,000
Medford, OR 1 $ 71,000 $ 71,000 $ 26,000
Memphis, TN-MS-AR 1 $ 128,000 $ 128,000 $ 76,000
Midland, TX 1 $ 112,000 $ 112,000 $ 76,000
Olympia, WA 1 $ 160,000 $ 160,000 $ 55,000
Panama City-Lynn Haven, FL 1 $ 102,000 $ 102,000 $ 42,000
Providence-New Bedford-Fall River, RI-MA 1 $ 200,000 $ 200,000 $ 95,000
Provo-Orem, UT 1 $ 154,000 $ 154,000 $ 55,000
Rapid City, SD 1 $ 142,000 $ 142,000 $ 74,000
Salem, OR 1 $ 55,000 $ 55,000 $ 49,000
Santa Rosa-Petaluma, CA 1 $ 307,000 $ 307,000 $ 54,000
South Bend-Mishawaka, IN-MI 1 $ 73,000 $ 73,000 $ 31,000
Spartanburg, SC 1 $ 88,000 $ 88,000 $ 36,000
Springfield, IL 1 $ 105,000 $ 105,000 $ 54,000
Springfield, MO 1 $ 82,000 $ 82,000 $ 54,000
Waco, TX 1 $ 133,000 $ 133,000 $ 44,000
Warner Robins, GA 1 $ 75,000 $ 75,000 $ 52,000
Wenatchee, WA 1 $ 70,000 $ 70,000 $ 36,000

Mortgage Loan Application Detail Totals for Rateone Home Loans,Llc in 2004

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 3,280 $562,956,000 $122,300 $1,260,000 $76,350 $6,655,000
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
White 2,049 $349,345,000 $120,000 $1,260,000 $78,166 $6,655,000
Not Provided 524 $91,687,000 $138,548 $1,000,000 $74,032 $1,596,000
Hispanic 398 $65,937,000 $131,739 $677,000 $105,347 $6,575,000
Asian 127 $26,512,000 $141,687 $700,000 $62,875 $579,000
Black or African American 115 $16,814,000 $167,055 $528,000 $63,277 $156,000
Native Hawaiian or Other Pacific Islander 25 $5,244,000 $147,750 $550,000 $86,000 $237,000
American Indian or Alaskan Native 24 $4,120,000 $153,333 $321,000 $70,555 $138,000
Not applicable 18 $3,297,000 $177,285 $333,000 $72,714 $625,000

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) 3,172 $546,731,000 $122,175 $1,260,000 $77,325 $6,655,000
FHA-insured (Federal Housing Administration) 66 $9,309,000 $132,285 $284,000 $53,571 $122,000
VA-guaranteed (Veterans Administration) 42 $6,916,000 $159,142 $245,000 $55,571 $136,000
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
Application Withdrawn By Applicant 1,152 $189,957,000 $127,393 $700,000 $81,242 $6,655,000
Loan Originated 1,125 $196,710,000 $122,571 $1,000,000 $76,600 $908,000
File Closed For Incompleteness 853 $154,150,000 $134,533 $1,260,000 $74,366 $6,575,000
Application Denied By Financial Institution 123 $18,080,000 $101,368 $633,000 $22,473 $336,000
Application Approved But Not Accepted 27 $4,059,000 $123,200 $260,000 $65,800 $153,000
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
Credit History 54 $7,716,000 $108,461 $446,000 $0 $0
Debt-To-Income Ratio 23 $3,195,000 $117,125 $301,000 $29,500 $92,000
Other 21 $3,882,000 $143,857 $633,000 $63,142 $336,000
Collateral 8 $1,087,000 $118,000 $405,000 $55,000 $140,000
Insufficient Cash (Downpayment, Closing Cost) 3 $562,000 $187,000 $360,000 $77,000 $120,000
Unverifiable Information 1 $96,000 $96,000 $96,000 $60,000 $60,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Rateone Home Loans,Llc's 2004 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Rateone 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 Nevada, download the full spreadsheet with aggregated HMDA statistics today.

Download the Nevada Lender List