Ratestar, Inc. Mortgage Lending & HMDA Data, 2005
In 2005, Ratestar, Inc. of Cincinnati, OH reported 3,649 mortgage applications totaling $667.7 million, up 52% from 2004. The average application was for $182,992, and applicants reported an average income of $73,026. 49% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Cincinnati-Middletown, OH-KY-IN (145), Atlanta-Sandy Springs-Marietta, GA (140) and Chicago-Naperville-Joliet, IL (131) (applications in parentheses).
| Mortgage Company & Address | Ratestar, Inc. 4665 Cornell Road, Suite 200 Cincinnati, OH 45241 |
| Federal Regulator | * available with data download |
| Years | 2005 2004 |
| Total Number of Mortgage Applications | 3,649 |
| Total Mortgage Loan Application Amount | $667,739,000 |
| Average Mortgage Loan Application Amount | $182,992 |
| Highest Mortgage Loan Application Amount | $1,759,000 |
| Average Applicant Income | $73,026 |
| Highest Applicant Income | $1,716,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Ratestar, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Hamilton, Ohio | 69 | $ 8,358,000 | $ 121,130 | $ 46,000 |
| Cook, Illinois | 58 | $ 12,834,000 | $ 221,275 | $ 110,000 |
| Maricopa, Arizona | 56 | $ 12,076,000 | $ 215,642 | $ 84,000 |
| Mecklenburg, North Carolina | 37 | $ 4,873,000 | $ 131,702 | $ 76,000 |
| Butler, Ohio | 36 | $ 3,971,000 | $ 110,305 | $ 45,000 |
| New Castle, Delaware | 33 | $ 5,331,000 | $ 161,545 | $ 94,000 |
| Fairfax, Virginia | 28 | $ 8,764,000 | $ 313,000 | $ 95,000 |
| Fulton, Georgia | 24 | $ 5,335,000 | $ 222,291 | $ 78,000 |
| Cobb, Georgia | 23 | $ 3,412,000 | $ 148,347 | $ 63,000 |
| Wake, North Carolina | 23 | $ 4,642,000 | $ 201,826 | $ 71,000 |
| DuPage, Illinois | 22 | $ 3,952,000 | $ 179,636 | $ 94,000 |
| Clark, Nevada | 22 | $ 4,078,000 | $ 185,363 | $ 64,000 |
| Morris, New Jersey | 22 | $ 6,574,000 | $ 298,818 | $ 103,000 |
| Clermont, Ohio | 22 | $ 2,569,000 | $ 116,772 | $ 59,000 |
| Monmouth, New Jersey | 21 | $ 5,867,000 | $ 279,380 | $ 73,000 |
| Suffolk, New York | 21 | $ 5,282,000 | $ 251,523 | $ 65,000 |
| Franklin, Ohio | 21 | $ 3,108,000 | $ 148,000 | $ 68,000 |
| Will, Illinois | 20 | $ 3,633,000 | $ 181,650 | $ 56,000 |
| Worcester, Massachusetts | 20 | $ 3,683,000 | $ 184,150 | $ 89,000 |
| Burlington, New Jersey | 20 | $ 5,377,000 | $ 268,850 | $ 61,000 |
| Prince William, Virginia | 20 | $ 6,333,000 | $ 316,650 | $ 114,000 |
| Prince George's, Maryland | 19 | $ 3,917,000 | $ 206,157 | $ 58,000 |
| Oakland, Michigan | 19 | $ 3,475,000 | $ 182,894 | $ 91,000 |
| Nassau, New York | 19 | $ 7,719,000 | $ 406,263 | $ 116,000 |
| Montgomery, Ohio | 19 | $ 2,218,000 | $ 116,736 | $ 71,000 |
| Virginia Beach, Virginia | 19 | $ 3,621,000 | $ 190,578 | $ 77,000 |
| Broward, Florida | 18 | $ 3,531,000 | $ 196,166 | $ 57,000 |
| Orange, Florida | 18 | $ 3,261,000 | $ 181,166 | $ 67,000 |
| Palm Beach, Florida | 18 | $ 4,095,000 | $ 227,500 | $ 80,000 |
| Cherokee, Georgia | 18 | $ 2,299,000 | $ 127,722 | $ 62,000 |
| Middlesex, Massachusetts | 18 | $ 6,759,000 | $ 375,500 | $ 55,000 |
| Bergen, New Jersey | 18 | $ 5,053,000 | $ 280,722 | $ 69,000 |
| Somerset, New Jersey | 18 | $ 5,074,000 | $ 281,888 | $ 65,000 |
| Bucks, Pennsylvania | 18 | $ 4,001,000 | $ 222,277 | $ 109,000 |
| Montgomery, Pennsylvania | 18 | $ 3,920,000 | $ 217,777 | $ 87,000 |
| District of Columbia, District Of Columbia | 16 | $ 3,451,000 | $ 215,687 | $ 73,000 |
| York, Maine | 16 | $ 3,696,000 | $ 231,000 | $ 67,000 |
| Wayne, Michigan | 16 | $ 2,245,000 | $ 140,312 | $ 63,000 |
| Orange, New York | 16 | $ 2,765,000 | $ 172,812 | $ 73,000 |
| Lake, Illinois | 15 | $ 2,910,000 | $ 194,000 | $ 106,000 |
| Fairfield, Connecticut | 14 | $ 3,253,000 | $ 232,357 | $ 72,000 |
| Lee, Florida | 14 | $ 3,554,000 | $ 253,857 | $ 116,000 |
| Montgomery, Maryland | 14 | $ 3,608,000 | $ 257,714 | $ 113,000 |
| Camden, New Jersey | 14 | $ 2,220,000 | $ 158,571 | $ 87,000 |
| Ocean, New Jersey | 14 | $ 3,163,000 | $ 225,928 | $ 63,000 |
| Union, New Jersey | 14 | $ 3,525,000 | $ 251,785 | $ 73,000 |
| New Haven, Connecticut | 13 | $ 2,151,000 | $ 165,461 | $ 89,000 |
| Gwinnett, Georgia | 13 | $ 2,176,000 | $ 167,384 | $ 54,000 |
| Harford, Maryland | 13 | $ 2,684,000 | $ 206,461 | $ 59,000 |
| Westchester, New York | 13 | $ 4,549,000 | $ 349,923 | $ 251,000 |
| Warren, Ohio | 13 | $ 1,660,000 | $ 127,692 | $ 63,000 |
| Williamson, Tennessee | 13 | $ 2,679,000 | $ 206,076 | $ 117,000 |
| Miami-Dade, Florida | 12 | $ 2,522,000 | $ 210,166 | $ 76,000 |
| Seminole, Florida | 12 | $ 1,812,000 | $ 151,000 | $ 62,000 |
| Volusia, Florida | 12 | $ 2,479,000 | $ 206,583 | $ 65,000 |
| McHenry, Illinois | 12 | $ 1,967,000 | $ 163,916 | $ 50,000 |
| Anne Arundel, Maryland | 12 | $ 2,305,000 | $ 192,083 | $ 49,000 |
| Baltimore, Maryland | 12 | $ 2,159,000 | $ 179,916 | $ 73,000 |
| Charles, Maryland | 12 | $ 2,580,000 | $ 215,000 | $ 79,000 |
| Essex, Massachusetts | 12 | $ 3,023,000 | $ 251,916 | $ 59,000 |
| Plymouth, Massachusetts | 12 | $ 2,700,000 | $ 225,000 | $ 100,000 |
| St. Louis, Missouri | 12 | $ 2,425,000 | $ 202,083 | $ 69,000 |
| Passaic, New Jersey | 12 | $ 2,733,000 | $ 227,750 | $ 73,000 |
| Monroe, Pennsylvania | 12 | $ 2,029,000 | $ 169,083 | $ 73,000 |
| Chesterfield, Virginia | 12 | $ 2,477,000 | $ 206,416 | $ 57,000 |
| Loudoun, Virginia | 12 | $ 3,359,000 | $ 279,916 | $ 114,000 |
| Pinellas, Florida | 11 | $ 2,257,000 | $ 205,181 | $ 61,000 |
| Sarasota, Florida | 11 | $ 2,832,000 | $ 257,454 | $ 74,000 |
| Hamilton, Indiana | 11 | $ 1,408,000 | $ 128,000 | $ 69,000 |
| Hampden, Massachusetts | 11 | $ 1,252,000 | $ 113,818 | $ 60,000 |
| Hillsborough, New Hampshire | 11 | $ 2,104,000 | $ 191,272 | $ 65,000 |
| Queens, New York | 11 | $ 3,221,000 | $ 292,818 | $ 68,000 |
| Cuyahoga, Ohio | 11 | $ 1,916,000 | $ 174,181 | $ 73,000 |
| Chester, Pennsylvania | 11 | $ 1,998,000 | $ 181,636 | $ 88,000 |
| Shelby, Tennessee | 11 | $ 2,027,000 | $ 184,272 | $ 82,000 |
| Hillsborough, Florida | 10 | $ 1,904,000 | $ 190,400 | $ 61,000 |
| Boone, Kentucky | 10 | $ 1,245,000 | $ 124,500 | $ 69,000 |
| Cumberland, Maine | 10 | $ 1,794,000 | $ 179,400 | $ 71,000 |
| Bristol, Massachusetts | 10 | $ 2,360,000 | $ 236,000 | $ 61,000 |
| Middlesex, New Jersey | 10 | $ 1,881,000 | $ 188,100 | $ 74,000 |
| Bronx, New York | 10 | $ 2,893,000 | $ 289,300 | $ 77,000 |
| Cabarrus, North Carolina | 10 | $ 1,456,000 | $ 145,600 | $ 52,000 |
| Forsyth, North Carolina | 10 | $ 830,000 | $ 83,000 | $ 74,000 |
| Summit, Ohio | 10 | $ 1,305,000 | $ 130,500 | $ 42,000 |
| York, Pennsylvania | 10 | $ 1,248,000 | $ 124,800 | $ 57,000 |
| Chittenden, Vermont | 10 | $ 1,682,000 | $ 168,200 | $ 83,000 |
| Franklin, Vermont | 10 | $ 1,749,000 | $ 174,900 | $ 49,000 |
| Spotsylvania, Virginia | 10 | $ 2,064,000 | $ 206,400 | $ 64,000 |
| Pima, Arizona | 9 | $ 1,719,000 | $ 191,000 | $ 87,000 |
| Hartford, Connecticut | 9 | $ 1,606,000 | $ 178,444 | $ 64,000 |
| Sussex, Delaware | 9 | $ 1,942,000 | $ 215,777 | $ 19,000 |
| DeKalb, Georgia | 9 | $ 1,244,000 | $ 138,222 | $ 77,000 |
| Marion, Indiana | 9 | $ 1,483,000 | $ 164,777 | $ 81,000 |
| Frederick, Maryland | 9 | $ 1,922,000 | $ 213,555 | $ 81,000 |
| Rockingham, New Hampshire | 9 | $ 1,943,000 | $ 215,888 | $ 119,000 |
| Strafford, New Hampshire | 9 | $ 1,341,000 | $ 149,000 | $ 52,000 |
| Hudson, New Jersey | 9 | $ 2,171,000 | $ 241,222 | $ 52,000 |
| New Hanover, North Carolina | 9 | $ 1,713,000 | $ 190,333 | $ 80,000 |
| Delaware, Ohio | 9 | $ 1,709,000 | $ 189,888 | $ 81,000 |
| Multnomah, Oregon | 9 | $ 1,716,000 | $ 190,666 | $ 101,000 |
| Allegheny, Pennsylvania | 9 | $ 978,000 | $ 108,666 | $ 72,000 |
| Davidson, Tennessee | 9 | $ 1,354,000 | $ 150,444 | $ 90,000 |
| Milwaukee, Wisconsin | 9 | $ 804,000 | $ 89,333 | $ 66,000 |
| Baldwin, Alabama | 8 | $ 1,373,000 | $ 171,625 | $ 81,000 |
| Jefferson, Alabama | 8 | $ 1,083,000 | $ 135,375 | $ 114,000 |
| Shelby, Alabama | 8 | $ 1,610,000 | $ 201,250 | $ 71,000 |
| Marion, Florida | 8 | $ 816,000 | $ 102,000 | $ 73,000 |
| Forsyth, Georgia | 8 | $ 1,208,000 | $ 151,000 | $ 84,000 |
| Henry, Georgia | 8 | $ 1,336,000 | $ 167,000 | $ 41,000 |
| Ada, Idaho | 8 | $ 2,008,000 | $ 251,000 | $ 106,000 |
| Fayette, Kentucky | 8 | $ 1,356,000 | $ 169,500 | $ 65,000 |
| Macomb, Michigan | 8 | $ 1,184,000 | $ 148,000 | $ 74,000 |
| Dakota, Minnesota | 8 | $ 1,480,000 | $ 185,000 | $ 60,000 |
| St. Charles, Missouri | 8 | $ 1,204,000 | $ 150,500 | $ 72,000 |
| Mercer, New Jersey | 8 | $ 1,684,000 | $ 210,500 | $ 49,000 |
| Kings, New York | 8 | $ 2,405,000 | $ 300,625 | $ 53,000 |
| Tulsa, Oklahoma | 8 | $ 1,323,000 | $ 165,375 | $ 113,000 |
| Charleston, South Carolina | 8 | $ 1,500,000 | $ 187,500 | $ 44,000 |
| Horry, South Carolina | 8 | $ 1,249,000 | $ 156,125 | $ 115,000 |
| Clark, Washington | 8 | $ 1,459,000 | $ 182,375 | $ 39,000 |
| Madison, Alabama | 7 | $ 1,011,000 | $ 144,428 | $ 79,000 |
| Windham, Connecticut | 7 | $ 1,135,000 | $ 162,142 | $ 55,000 |
| Kent, Delaware | 7 | $ 1,227,000 | $ 175,285 | $ 56,000 |
| Bay, Florida | 7 | $ 705,000 | $ 100,714 | $ 62,000 |
| Lake, Florida | 7 | $ 1,136,000 | $ 162,285 | $ 48,000 |
| Paulding, Georgia | 7 | $ 823,000 | $ 117,571 | $ 52,000 |
| Kane, Illinois | 7 | $ 1,352,000 | $ 193,142 | $ 56,000 |
| Kendall, Illinois | 7 | $ 1,873,000 | $ 267,571 | $ 99,000 |
| Androscoggin, Maine | 7 | $ 1,084,000 | $ 154,857 | $ 59,000 |
| Washington, Maryland | 7 | $ 1,367,000 | $ 195,285 | $ 70,000 |
| Jefferson, Missouri | 7 | $ 1,102,000 | $ 157,428 | $ 61,000 |
| Merrimack, New Hampshire | 7 | $ 1,526,000 | $ 218,000 | $ 68,000 |
| Atlantic, New Jersey | 7 | $ 1,223,000 | $ 174,714 | $ 83,000 |
| Cumberland, New Jersey | 7 | $ 1,425,000 | $ 203,571 | $ 107,000 |
| Iredell, North Carolina | 7 | $ 917,000 | $ 131,000 | $ 67,000 |
| Lorain, Ohio | 7 | $ 854,000 | $ 122,000 | $ 42,000 |
| Portage, Ohio | 7 | $ 1,247,000 | $ 178,142 | $ 86,000 |
| Dauphin, Pennsylvania | 7 | $ 615,000 | $ 87,857 | $ 62,000 |
| Greenville, South Carolina | 7 | $ 793,000 | $ 113,285 | $ 45,000 |
| Knox, Tennessee | 7 | $ 996,000 | $ 142,285 | $ 56,000 |
| Salt Lake, Utah | 7 | $ 1,041,000 | $ 148,714 | $ 100,000 |
| Chesapeake, Virginia | 7 | $ 1,368,000 | $ 195,428 | $ 80,000 |
| Stafford, Virginia | 7 | $ 2,762,000 | $ 394,571 | $ 107,000 |
| Berkeley, West Virginia | 7 | $ 1,179,000 | $ 168,428 | $ 59,000 |
| Brown, Wisconsin | 7 | $ 970,000 | $ 138,571 | $ 36,000 |
| Kenosha, Wisconsin | 7 | $ 1,040,000 | $ 148,571 | $ 150,000 |
| Talladega, Alabama | 6 | $ 822,000 | $ 137,000 | $ 106,000 |
| Yavapai, Arizona | 6 | $ 876,000 | $ 146,000 | $ 94,000 |
| Arapahoe, Colorado | 6 | $ 1,281,000 | $ 213,500 | $ 73,000 |
| New London, Connecticut | 6 | $ 1,086,000 | $ 181,000 | $ 85,000 |
| Collier, Florida | 6 | $ 1,172,000 | $ 195,333 | $ 112,000 |
| Polk, Florida | 6 | $ 1,122,000 | $ 187,000 | $ 76,000 |
| Santa Rosa, Florida | 6 | $ 916,000 | $ 152,666 | $ 48,000 |
| Fayette, Georgia | 6 | $ 1,138,000 | $ 189,666 | $ 127,000 |
| Peoria, Illinois | 6 | $ 718,000 | $ 119,666 | $ 63,000 |
| Jefferson, Louisiana | 6 | $ 1,034,000 | $ 172,333 | $ 87,000 |
| Genesee, Michigan | 6 | $ 870,000 | $ 145,000 | $ 64,000 |
| Hennepin, Minnesota | 6 | $ 947,000 | $ 157,833 | $ 52,000 |
| Madison, Mississippi | 6 | $ 921,000 | $ 153,500 | $ 80,000 |
| Washoe, Nevada | 6 | $ 1,726,000 | $ 287,666 | $ 54,000 |
| Essex, New Jersey | 6 | $ 1,141,000 | $ 190,166 | $ 59,000 |
| Gloucester, New Jersey | 6 | $ 1,349,000 | $ 224,833 | $ 85,000 |
| Warren, New Jersey | 6 | $ 1,476,000 | $ 246,000 | $ 69,000 |
| Oneida, New York | 6 | $ 445,000 | $ 74,166 | $ 69,000 |
| Currituck, North Carolina | 6 | $ 1,063,000 | $ 177,166 | $ 63,000 |
| Guilford, North Carolina | 6 | $ 1,004,000 | $ 167,333 | $ 105,000 |
| Geauga, Ohio | 6 | $ 1,149,000 | $ 191,500 | $ 94,000 |
| Licking, Ohio | 6 | $ 1,007,000 | $ 167,833 | $ 67,000 |
| Mahoning, Ohio | 6 | $ 998,000 | $ 166,333 | $ 92,000 |
| Trumbull, Ohio | 6 | $ 671,000 | $ 111,833 | $ 63,000 |
| Berks, Pennsylvania | 6 | $ 1,306,000 | $ 217,666 | $ 122,000 |
| Lehigh, Pennsylvania | 6 | $ 949,000 | $ 158,166 | $ 34,000 |
| Luzerne, Pennsylvania | 6 | $ 770,000 | $ 128,333 | $ 87,000 |
| Philadelphia, Pennsylvania | 6 | $ 744,000 | $ 124,000 | $ 85,000 |
| Washington, Rhode Island | 6 | $ 1,072,000 | $ 178,666 | $ 99,000 |
| Richland, South Carolina | 6 | $ 898,000 | $ 149,666 | $ 59,000 |
| York, South Carolina | 6 | $ 987,000 | $ 164,500 | $ 48,000 |
| Blount, Tennessee | 6 | $ 817,000 | $ 136,166 | $ 64,000 |
| Arlington, Virginia | 6 | $ 1,543,000 | $ 257,166 | $ 99,000 |
| Jefferson, West Virginia | 6 | $ 1,330,000 | $ 221,666 | $ 62,000 |
| Lawrence, Alabama | 5 | $ 750,000 | $ 150,000 | $ 87,000 |
| Montgomery, Alabama | 5 | $ 390,000 | $ 78,000 | $ 47,000 |
| Escambia, Florida | 5 | $ 452,000 | $ 90,400 | $ 74,000 |
| Hernando, Florida | 5 | $ 948,000 | $ 189,600 | $ 40,000 |
| Chatham, Georgia | 5 | $ 1,033,000 | $ 206,600 | $ 78,000 |
| Hall, Georgia | 5 | $ 801,000 | $ 160,200 | $ 64,000 |
| DeKalb, Illinois | 5 | $ 637,000 | $ 127,400 | $ 95,000 |
| Sangamon, Illinois | 5 | $ 502,000 | $ 100,400 | $ 74,000 |
| St. Joseph, Indiana | 5 | $ 937,000 | $ 187,400 | $ 89,000 |
| Penobscot, Maine | 5 | $ 560,000 | $ 112,000 | $ 39,000 |
| Carroll, Maryland | 5 | $ 1,246,000 | $ 249,200 | $ 66,000 |
| Barnstable, Massachusetts | 5 | $ 1,314,000 | $ 262,800 | $ 93,000 |
| Norfolk, Massachusetts | 5 | $ 1,195,000 | $ 239,000 | $ 42,000 |
| Calhoun, Michigan | 5 | $ 883,000 | $ 176,600 | $ 110,000 |
| Monroe, Michigan | 5 | $ 941,000 | $ 188,200 | $ 74,000 |
| Ottawa, Michigan | 5 | $ 664,000 | $ 132,800 | $ 45,000 |
| Van Buren, Michigan | 5 | $ 636,000 | $ 127,200 | $ 81,000 |
| Jackson, Mississippi | 5 | $ 313,000 | $ 62,600 | $ 38,000 |
| Camden, Missouri | 5 | $ 730,000 | $ 146,000 | $ 58,000 |
| Douglas, Nebraska | 5 | $ 877,000 | $ 175,400 | $ 62,000 |
| Sussex, New Jersey | 5 | $ 1,260,000 | $ 252,000 | $ 80,000 |
| Bernalillo, New Mexico | 5 | $ 1,038,000 | $ 207,600 | $ 47,000 |
| Dutchess, New York | 5 | $ 1,208,000 | $ 241,600 | $ 100,000 |
| Buncombe, North Carolina | 5 | $ 833,000 | $ 166,600 | $ 71,000 |
| Durham, North Carolina | 5 | $ 896,000 | $ 179,200 | $ 94,000 |
| Franklin, North Carolina | 5 | $ 698,000 | $ 139,600 | $ 78,000 |
| Orange, North Carolina | 5 | $ 807,000 | $ 161,400 | $ 58,000 |
| Brown, Ohio | 5 | $ 483,000 | $ 96,600 | $ 36,000 |
| Clackamas, Oregon | 5 | $ 847,000 | $ 169,400 | $ 83,000 |
| Delaware, Pennsylvania | 5 | $ 1,051,000 | $ 210,200 | $ 72,000 |
| Pike, Pennsylvania | 5 | $ 792,000 | $ 158,400 | $ 74,000 |
| Schuylkill, Pennsylvania | 5 | $ 498,000 | $ 99,600 | $ 91,000 |
| Providence, Rhode Island | 5 | $ 941,000 | $ 188,200 | $ 78,000 |
| Hamilton, Tennessee | 5 | $ 930,000 | $ 186,000 | $ 47,000 |
| Rutherford, Tennessee | 5 | $ 650,000 | $ 130,000 | $ 74,000 |
| Frederick, Virginia | 5 | $ 1,298,000 | $ 259,600 | $ 86,000 |
| Newport News, Virginia | 5 | $ 602,000 | $ 120,400 | $ 81,000 |
| Lee, Alabama | 4 | $ 491,000 | $ 122,750 | $ 68,000 |
| Mobile, Alabama | 4 | $ 457,000 | $ 114,250 | $ 52,000 |
| Mohave, Arizona | 4 | $ 866,000 | $ 216,500 | $ 65,000 |
| Pinal, Arizona | 4 | $ 742,000 | $ 185,500 | $ 48,000 |
| Baxter, Arkansas | 4 | $ 460,000 | $ 115,000 | $ 43,000 |
| Benton, Arkansas | 4 | $ 607,000 | $ 151,750 | $ 55,000 |
| Boone, Arkansas | 4 | $ 519,000 | $ 129,750 | $ 59,000 |
| Craighead, Arkansas | 4 | $ 706,000 | $ 176,500 | $ 76,000 |
| Garland, Arkansas | 4 | $ 559,000 | $ 139,750 | $ 62,000 |
| Washington, Arkansas | 4 | $ 748,000 | $ 187,000 | $ 66,000 |
| Adams, Colorado | 4 | $ 844,000 | $ 211,000 | $ 42,000 |
| Douglas, Colorado | 4 | $ 1,003,000 | $ 250,750 | $ 93,000 |
| El Paso, Colorado | 4 | $ 671,000 | $ 167,750 | $ 78,000 |
| Alachua, Florida | 4 | $ 654,000 | $ 163,500 | $ 68,000 |
| Brevard, Florida | 4 | $ 1,063,000 | $ 265,750 | $ 131,000 |
| Clay, Florida | 4 | $ 785,000 | $ 196,250 | $ 92,000 |
| Highlands, Florida | 4 | $ 533,000 | $ 133,250 | $ 104,000 |
| Martin, Florida | 4 | $ 1,136,000 | $ 284,000 | $ 43,000 |
| Osceola, Florida | 4 | $ 514,000 | $ 128,500 | $ 56,000 |
| Pasco, Florida | 4 | $ 776,000 | $ 194,000 | $ 69,000 |
| St. Lucie, Florida | 4 | $ 859,000 | $ 214,750 | $ 72,000 |
| Clayton, Georgia | 4 | $ 508,000 | $ 127,000 | $ 50,000 |
| Columbia, Georgia | 4 | $ 1,936,000 | $ 484,000 | $ 166,000 |
| Douglas, Georgia | 4 | $ 634,000 | $ 158,500 | $ 67,000 |
| McLean, Illinois | 4 | $ 861,000 | $ 215,250 | $ 61,000 |
| Hendricks, Indiana | 4 | $ 665,000 | $ 166,250 | $ 105,000 |
| Morgan, Indiana | 4 | $ 662,000 | $ 165,500 | $ 24,000 |
| Vanderburgh, Indiana | 4 | $ 972,000 | $ 243,000 | $ 108,000 |
| Polk, Iowa | 4 | $ 416,000 | $ 104,000 | $ 63,000 |
| Campbell, Kentucky | 4 | $ 642,000 | $ 160,500 | $ 60,000 |
| Henderson, Kentucky | 4 | $ 434,000 | $ 108,500 | $ 53,000 |
| Jefferson, Kentucky | 4 | $ 621,000 | $ 155,250 | $ 52,000 |
| Kenton, Kentucky | 4 | $ 381,000 | $ 95,250 | $ 22,000 |
| Pulaski, Kentucky | 4 | $ 704,000 | $ 176,000 | $ 45,000 |
| Ascension, Louisiana | 4 | $ 682,000 | $ 170,500 | $ 74,000 |
| Knox, Maine | 4 | $ 638,000 | $ 159,500 | $ 129,000 |
| Oxford, Maine | 4 | $ 644,000 | $ 161,000 | $ 81,000 |
| Sagadahoc, Maine | 4 | $ 629,000 | $ 157,250 | $ 40,000 |
| Baltimore City, Maryland | 4 | $ 601,000 | $ 150,250 | $ 72,000 |
| Howard, Maryland | 4 | $ 1,473,000 | $ 368,250 | $ 46,000 |
| Suffolk, Massachusetts | 4 | $ 1,185,000 | $ 296,250 | $ 49,000 |
| Kent, Michigan | 4 | $ 490,000 | $ 122,500 | $ 73,000 |
| Anoka, Minnesota | 4 | $ 457,000 | $ 114,250 | $ 67,000 |
| Ramsey, Minnesota | 4 | $ 1,006,000 | $ 251,500 | $ 32,000 |
| DeSoto, Mississippi | 4 | $ 668,000 | $ 167,000 | $ 95,000 |
| St. Louis City, Missouri | 4 | $ 500,000 | $ 125,000 | $ 48,000 |
| Erie, New York | 4 | $ 372,000 | $ 93,000 | $ 84,000 |
| Richmond, New York | 4 | $ 844,000 | $ 211,000 | $ 98,000 |
| Catawba, North Carolina | 4 | $ 454,000 | $ 113,500 | $ 64,000 |
| Henderson, North Carolina | 4 | $ 724,000 | $ 181,000 | $ 75,000 |
| Hoke, North Carolina | 4 | $ 555,000 | $ 138,750 | $ 54,000 |
| Jackson, North Carolina | 4 | $ 1,147,000 | $ 286,750 | $ 80,000 |
| Johnston, North Carolina | 4 | $ 794,000 | $ 198,500 | $ 60,000 |
| Macon, North Carolina | 4 | $ 1,091,000 | $ 272,750 | $ 69,000 |
| Columbiana, Ohio | 4 | $ 910,000 | $ 227,500 | $ 56,000 |
| Lucas, Ohio | 4 | $ 454,000 | $ 113,500 | $ 110,000 |
| Sandusky, Ohio | 4 | $ 433,000 | $ 108,250 | $ 29,000 |
| Union, Ohio | 4 | $ 499,000 | $ 124,750 | $ 80,000 |
| Van Wert, Ohio | 4 | $ 777,000 | $ 194,250 | $ 29,000 |
| Centre, Pennsylvania | 4 | $ 440,000 | $ 110,000 | $ 92,000 |
| Cumberland, Pennsylvania | 4 | $ 500,000 | $ 125,000 | $ 82,000 |
| Erie, Pennsylvania | 4 | $ 510,000 | $ 127,500 | $ 63,000 |
| Lackawanna, Pennsylvania | 4 | $ 493,000 | $ 123,250 | $ 111,000 |
| Perry, Pennsylvania | 4 | $ 389,000 | $ 97,250 | $ 77,000 |
| Lexington, South Carolina | 4 | $ 634,000 | $ 158,500 | $ 58,000 |
| Wilson, Tennessee | 4 | $ 495,000 | $ 123,750 | $ 45,000 |
| Orange, Vermont | 4 | $ 726,000 | $ 181,500 | $ 115,000 |
| Alexandria, Virginia | 4 | $ 1,272,000 | $ 318,000 | $ 64,000 |
| Augusta, Virginia | 4 | $ 768,000 | $ 192,000 | $ 137,000 |
| Bedford, Virginia | 4 | $ 592,000 | $ 148,000 | $ 88,000 |
| Norfolk, Virginia | 4 | $ 487,000 | $ 121,750 | $ 60,000 |
| Warren, Virginia | 4 | $ 704,000 | $ 176,000 | $ 88,000 |
| Pierce, Washington | 4 | $ 647,000 | $ 161,750 | $ 132,000 |
| Snohomish, Washington | 4 | $ 684,000 | $ 171,000 | $ 102,000 |
| Spokane, Washington | 4 | $ 492,000 | $ 123,000 | $ 57,000 |
| Harrison, West Virginia | 4 | $ 626,000 | $ 156,500 | $ 78,000 |
| Dane, Wisconsin | 4 | $ 495,000 | $ 123,750 | $ 52,000 |
| Racine, Wisconsin | 4 | $ 724,000 | $ 181,000 | $ 79,000 |
| Walworth, Wisconsin | 4 | $ 850,000 | $ 212,500 | $ 94,000 |
| Waukesha, Wisconsin | 4 | $ 935,000 | $ 233,750 | $ 68,000 |
| Elmore, Alabama | 3 | $ 471,000 | $ 157,000 | $ 56,000 |
| Morgan, Alabama | 3 | $ 319,000 | $ 106,333 | $ 60,000 |
| Randolph, Alabama | 3 | $ 318,000 | $ 106,000 | $ 78,000 |
| Crawford, Arkansas | 3 | $ 655,000 | $ 218,333 | $ 62,000 |
| Lonoke, Arkansas | 3 | $ 499,000 | $ 166,333 | $ 28,000 |
| San Diego, California | 3 | $ 660,000 | $ 220,000 | $ 67,000 |
| Boulder, Colorado | 3 | $ 521,000 | $ 173,666 | $ 81,000 |
| Manatee, Florida | 3 | $ 533,000 | $ 177,666 | $ 82,000 |
| Nassau, Florida | 3 | $ 743,000 | $ 247,666 | $ 50,000 |
| St. Johns, Florida | 3 | $ 652,000 | $ 217,333 | $ 137,000 |
| Sumter, Florida | 3 | $ 369,000 | $ 123,000 | $ 39,000 |
| Walton, Florida | 3 | $ 730,000 | $ 243,333 | $ 81,000 |
| Bulloch, Georgia | 3 | $ 433,000 | $ 144,333 | $ 59,000 |
| Carroll, Georgia | 3 | $ 385,000 | $ 128,333 | $ 53,000 |
| Coweta, Georgia | 3 | $ 522,000 | $ 174,000 | $ 78,000 |
| Houston, Georgia | 3 | $ 503,000 | $ 167,666 | $ 49,000 |
| Rockdale, Georgia | 3 | $ 501,000 | $ 167,000 | $ 94,000 |
| Canyon, Idaho | 3 | $ 420,000 | $ 140,000 | $ 39,000 |
| Boone, Illinois | 3 | $ 519,000 | $ 173,000 | $ 68,000 |
| Bartholomew, Indiana | 3 | $ 564,000 | $ 188,000 | $ 91,000 |
| Dearborn, Indiana | 3 | $ 354,000 | $ 118,000 | $ 85,000 |
| Jefferson, Indiana | 3 | $ 323,000 | $ 107,666 | $ 57,000 |
| Lake, Indiana | 3 | $ 367,000 | $ 122,333 | $ 118,000 |
| White, Indiana | 3 | $ 254,000 | $ 84,666 | $ 72,000 |
| Benton, Iowa | 3 | $ 354,000 | $ 118,000 | $ 77,000 |
| Johnson, Kansas | 3 | $ 461,000 | $ 153,666 | $ 113,000 |
| Leavenworth, Kansas | 3 | $ 1,368,000 | $ 456,000 | $ 236,000 |
| Sedgwick, Kansas | 3 | $ 461,000 | $ 153,666 | $ 34,000 |
| Acadia, Louisiana | 3 | $ 461,000 | $ 153,666 | $ 52,000 |
| Caddo, Louisiana | 3 | $ 432,000 | $ 144,000 | $ 48,000 |
| Calcasieu, Louisiana | 3 | $ 479,000 | $ 159,666 | $ 85,000 |
| East Baton Rouge, Louisiana | 3 | $ 409,000 | $ 136,333 | $ 138,000 |
| Iberia, Louisiana | 3 | $ 214,000 | $ 71,333 | $ 67,000 |
| Orleans, Louisiana | 3 | $ 504,000 | $ 168,000 | $ 49,000 |
| Berrien, Michigan | 3 | $ 551,000 | $ 183,666 | $ 90,000 |
| Eaton, Michigan | 3 | $ 416,000 | $ 138,666 | $ 53,000 |
| Jackson, Michigan | 3 | $ 529,000 | $ 176,333 | $ 54,000 |
| Kalamazoo, Michigan | 3 | $ 484,000 | $ 161,333 | $ 48,000 |
| Saginaw, Michigan | 3 | $ 663,000 | $ 221,000 | $ 101,000 |
| St. Clair, Michigan | 3 | $ 677,000 | $ 225,666 | $ 76,000 |
| Lauderdale, Mississippi | 3 | $ 183,000 | $ 61,000 | $ 40,000 |
| Rankin, Mississippi | 3 | $ 373,000 | $ 124,333 | $ 28,000 |
| Winston, Mississippi | 3 | $ 299,000 | $ 99,666 | $ 62,000 |
| Jackson, Missouri | 3 | $ 718,000 | $ 239,333 | $ 44,000 |
| Lancaster, Nebraska | 3 | $ 512,000 | $ 170,666 | $ 74,000 |
| Belknap, New Hampshire | 3 | $ 450,000 | $ 150,000 | $ 49,000 |
| Sandoval, New Mexico | 3 | $ 473,000 | $ 157,666 | $ 70,000 |
| Chemung, New York | 3 | $ 409,000 | $ 136,333 | $ 49,000 |
| Essex, New York | 3 | $ 442,000 | $ 147,333 | $ 100,000 |
| Onondaga, New York | 3 | $ 396,000 | $ 132,000 | $ 82,000 |
| Oswego, New York | 3 | $ 493,000 | $ 164,333 | $ 127,000 |
| Rockland, New York | 3 | $ 635,000 | $ 211,666 | $ 86,000 |
| Warren, New York | 3 | $ 277,000 | $ 92,333 | $ 69,000 |
| Alamance, North Carolina | 3 | $ 561,000 | $ 187,000 | $ 76,000 |
| Brunswick, North Carolina | 3 | $ 821,000 | $ 273,666 | $ 92,000 |
| Burke, North Carolina | 3 | $ 387,000 | $ 129,000 | $ 78,000 |
| Craven, North Carolina | 3 | $ 463,000 | $ 154,333 | $ 55,000 |
| Cumberland, North Carolina | 3 | $ 350,000 | $ 116,666 | $ 49,000 |
| Granville, North Carolina | 3 | $ 272,000 | $ 90,666 | $ 61,000 |
| Haywood, North Carolina | 3 | $ 386,000 | $ 128,666 | $ 51,000 |
| Nash, North Carolina | 3 | $ 319,000 | $ 106,333 | $ 55,000 |
| Pender, North Carolina | 3 | $ 827,000 | $ 275,666 | $ 16,000 |
| Union, North Carolina | 3 | $ 700,000 | $ 233,333 | $ 75,000 |
| Yadkin, North Carolina | 3 | $ 628,000 | $ 209,333 | $ 38,000 |
| Ashtabula, Ohio | 3 | $ 560,000 | $ 186,666 | $ 74,000 |
| Gallia, Ohio | 3 | $ 705,000 | $ 235,000 | $ 74,000 |
| Hardin, Ohio | 3 | $ 326,000 | $ 108,666 | $ 79,000 |
| Knox, Ohio | 3 | $ 385,000 | $ 128,333 | $ 72,000 |
| Ottawa, Ohio | 3 | $ 778,000 | $ 259,333 | $ 96,000 |
| Putnam, Ohio | 3 | $ 256,000 | $ 85,333 | $ 43,000 |
| Ross, Ohio | 3 | $ 291,000 | $ 97,000 | $ 35,000 |
| Shelby, Ohio | 3 | $ 350,000 | $ 116,666 | $ 76,000 |
| Washington, Ohio | 3 | $ 407,000 | $ 135,666 | $ 68,000 |
| Wayne, Ohio | 3 | $ 374,000 | $ 124,666 | $ 68,000 |
| Wood, Ohio | 3 | $ 338,000 | $ 112,666 | $ 90,000 |
| Lane, Oregon | 3 | $ 597,000 | $ 199,000 | $ 90,000 |
| Carbon, Pennsylvania | 3 | $ 474,000 | $ 158,000 | $ 50,000 |
| Franklin, Pennsylvania | 3 | $ 508,000 | $ 169,333 | $ 48,000 |
| Lancaster, Pennsylvania | 3 | $ 386,000 | $ 128,666 | $ 88,000 |
| Beaufort, South Carolina | 3 | $ 1,129,000 | $ 376,333 | $ 55,000 |
| Berkeley, South Carolina | 3 | $ 314,000 | $ 104,666 | $ 66,000 |
| Dorchester, South Carolina | 3 | $ 506,000 | $ 168,666 | $ 62,000 |
| Pickens, South Carolina | 3 | $ 459,000 | $ 153,000 | $ 93,000 |
| Sumter, South Carolina | 3 | $ 371,000 | $ 123,666 | $ 55,000 |
| Anderson, Tennessee | 3 | $ 212,000 | $ 70,666 | $ 73,000 |
| Lawrence, Tennessee | 3 | $ 394,000 | $ 131,333 | $ 112,000 |
| Sumner, Tennessee | 3 | $ 478,000 | $ 159,333 | $ 81,000 |
| Davis, Utah | 3 | $ 392,000 | $ 130,666 | $ 57,000 |
| Windsor, Vermont | 3 | $ 244,000 | $ 81,333 | $ 64,000 |
| Fauquier, Virginia | 3 | $ 1,205,000 | $ 401,666 | $ 94,000 |
| Hampton, Virginia | 3 | $ 552,000 | $ 184,000 | $ 50,000 |
| Harrisonburg, Virginia | 3 | $ 546,000 | $ 182,000 | $ 135,000 |
| Henrico, Virginia | 3 | $ 220,000 | $ 73,333 | $ 63,000 |
| Suffolk, Virginia | 3 | $ 694,000 | $ 231,333 | $ 43,000 |
| Winchester, Virginia | 3 | $ 478,000 | $ 159,333 | $ 54,000 |
| York, Virginia | 3 | $ 712,000 | $ 237,333 | $ 67,000 |
| King, Washington | 3 | $ 731,000 | $ 243,666 | $ 117,000 |
| Monongalia, West Virginia | 3 | $ 511,000 | $ 170,333 | $ 62,000 |
| Fond du Lac, Wisconsin | 3 | $ 463,000 | $ 154,333 | $ 80,000 |
| Marathon, Wisconsin | 3 | $ 694,000 | $ 231,333 | $ 78,000 |
| Sauk, Wisconsin | 3 | $ 409,000 | $ 136,333 | $ 62,000 |
| Marshall, Alabama | 2 | $ 408,000 | $ 204,000 | $ 102,000 |
| Santa Cruz, Arizona | 2 | $ 162,000 | $ 81,000 | $ 80,000 |
| Carroll, Arkansas | 2 | $ 383,000 | $ 191,500 | $ 41,000 |
| Faulkner, Arkansas | 2 | $ 345,000 | $ 172,500 | $ 80,000 |
| Jefferson, Arkansas | 2 | $ 257,000 | $ 128,500 | $ 73,000 |
| Miller, Arkansas | 2 | $ 318,000 | $ 159,000 | $ 65,000 |
| Orange, California | 2 | $ 128,000 | $ 64,000 | $ 150,000 |
| Denver, Colorado | 2 | $ 478,000 | $ 239,000 | $ 72,000 |
| Garfield, Colorado | 2 | $ 172,000 | $ 86,000 | $ 95,000 |
| Jefferson, Colorado | 2 | $ 618,000 | $ 309,000 | $ 82,000 |
| Larimer, Colorado | 2 | $ 362,000 | $ 181,000 | $ 71,000 |
| Mesa, Colorado | 2 | $ 359,000 | $ 179,500 | $ 42,000 |
| Teller, Colorado | 2 | $ 235,000 | $ 117,500 | $ 55,000 |
| Litchfield, Connecticut | 2 | $ 360,000 | $ 180,000 | $ 212,000 |
| Tolland, Connecticut | 2 | $ 415,000 | $ 207,500 | $ 63,000 |
| Charlotte, Florida | 2 | $ 300,000 | $ 150,000 | $ 26,000 |
| Citrus, Florida | 2 | $ 346,000 | $ 173,000 | $ 81,000 |
| Flagler, Florida | 2 | $ 376,000 | $ 188,000 | $ 40,000 |
| Monroe, Florida | 2 | $ 363,000 | $ 181,500 | $ 90,000 |
| Okaloosa, Florida | 2 | $ 424,000 | $ 212,000 | $ 51,000 |
| Dougherty, Georgia | 2 | $ 121,000 | $ 60,500 | $ 55,000 |
| Effingham, Georgia | 2 | $ 330,000 | $ 165,000 | $ 39,000 |
| Jackson, Georgia | 2 | $ 279,000 | $ 139,500 | $ 40,000 |
| Lamar, Georgia | 2 | $ 335,000 | $ 167,500 | $ 27,000 |
| Laurens, Georgia | 2 | $ 210,000 | $ 105,000 | $ 85,000 |
| Lee, Georgia | 2 | $ 203,000 | $ 101,500 | $ 96,000 |
| Walton, Georgia | 2 | $ 409,000 | $ 204,500 | $ 48,000 |
| Bonner, Idaho | 2 | $ 516,000 | $ 258,000 | $ 83,000 |
| Champaign, Illinois | 2 | $ 317,000 | $ 158,500 | $ 48,000 |
| Kankakee, Illinois | 2 | $ 157,000 | $ 78,500 | $ 50,000 |
| Montgomery, Illinois | 2 | $ 411,000 | $ 205,500 | $ 82,000 |
| Ogle, Illinois | 2 | $ 257,000 | $ 128,500 | $ 88,000 |
| Tazewell, Illinois | 2 | $ 1,030,000 | $ 515,000 | $ 224,000 |
| Washington, Illinois | 2 | $ 234,000 | $ 117,000 | $ 25,000 |
| Winnebago, Illinois | 2 | $ 212,000 | $ 106,000 | $ 58,000 |
| Woodford, Illinois | 2 | $ 125,000 | $ 62,500 | $ 71,000 |
| Floyd, Indiana | 2 | $ 164,000 | $ 82,000 | $ 51,000 |
| Howard, Indiana | 2 | $ 334,000 | $ 167,000 | $ 69,000 |
| Johnson, Indiana | 2 | $ 124,000 | $ 62,000 | $ 33,000 |
| Porter, Indiana | 2 | $ 322,000 | $ 161,000 | $ 60,000 |
| Wabash, Indiana | 2 | $ 191,000 | $ 95,500 | $ 30,000 |
| Bremer, Iowa | 2 | $ 124,000 | $ 62,000 | $ 89,000 |
| Dubuque, Iowa | 2 | $ 161,000 | $ 80,500 | $ 48,000 |
| Muscatine, Iowa | 2 | $ 193,000 | $ 96,500 | $ 43,000 |
| Woodbury, Iowa | 2 | $ 311,000 | $ 155,500 | $ 58,000 |
| Reno, Kansas | 2 | $ 401,000 | $ 200,500 | $ 135,000 |
| Bullitt, Kentucky | 2 | $ 357,000 | $ 178,500 | $ 110,000 |
| Logan, Kentucky | 2 | $ 185,000 | $ 92,500 | $ 61,000 |
| McCracken, Kentucky | 2 | $ 170,000 | $ 85,000 | $ 41,000 |
| La Salle, Louisiana | 2 | $ 158,000 | $ 79,000 | $ 66,000 |
| Lafayette, Louisiana | 2 | $ 373,000 | $ 186,500 | $ 88,000 |
| Lafourche, Louisiana | 2 | $ 505,000 | $ 252,500 | $ 90,000 |
| Ouachita, Louisiana | 2 | $ 207,000 | $ 103,500 | $ 81,000 |
| St. Charles, Louisiana | 2 | $ 447,000 | $ 223,500 | $ 77,000 |
| St. John the Baptist, Louisiana | 2 | $ 455,000 | $ 227,500 | $ 60,000 |
| St. Tammany, Louisiana | 2 | $ 362,000 | $ 181,000 | $ 32,000 |
| Terrebonne, Louisiana | 2 | $ 355,000 | $ 177,500 | $ 88,000 |
| Vermilion, Louisiana | 2 | $ 214,000 | $ 107,000 | $ 68,000 |
| Hancock, Maine | 2 | $ 204,000 | $ 102,000 | $ 28,000 |
| Kennebec, Maine | 2 | $ 510,000 | $ 255,000 | $ 943,000 |
| Calvert, Maryland | 2 | $ 778,000 | $ 389,000 | $ 115,000 |
| Caroline, Maryland | 2 | $ 120,000 | $ 60,000 | $ 60,000 |
| Queen Anne's, Maryland | 2 | $ 620,000 | $ 310,000 | $ 87,000 |
| St. Mary's, Maryland | 2 | $ 606,000 | $ 303,000 | $ 94,000 |
| Talbot, Maryland | 2 | $ 375,000 | $ 187,500 | $ 142,000 |
| Worcester, Maryland | 2 | $ 984,000 | $ 492,000 | $ 224,000 |
| Hampshire, Massachusetts | 2 | $ 309,000 | $ 154,500 | $ 61,000 |
| Allegan, Michigan | 2 | $ 257,000 | $ 128,500 | $ 50,000 |
| Ingham, Michigan | 2 | $ 411,000 | $ 205,500 | $ 75,000 |
| Isabella, Michigan | 2 | $ 327,000 | $ 163,500 | $ 129,000 |
| Lapeer, Michigan | 2 | $ 252,000 | $ 126,000 | $ 54,000 |
| Livingston, Michigan | 2 | $ 394,000 | $ 197,000 | $ 123,000 |
| Muskegon, Michigan | 2 | $ 423,000 | $ 211,500 | $ 52,000 |
| Nicollet, Minnesota | 2 | $ 213,000 | $ 106,500 | $ 85,000 |
| Otter Tail, Minnesota | 2 | $ 170,000 | $ 85,000 | $ 61,000 |
| St. Louis, Minnesota | 2 | $ 408,000 | $ 204,000 | $ 74,000 |
| Pearl River, Mississippi | 2 | $ 350,000 | $ 175,000 | $ 44,000 |
| Tate, Mississippi | 2 | $ 326,000 | $ 163,000 | $ 70,000 |
| Washington, Mississippi | 2 | $ 86,000 | $ 43,000 | $ 35,000 |
| Cass, Missouri | 2 | $ 711,000 | $ 355,500 | $ 132,000 |
| Clay, Missouri | 2 | $ 192,000 | $ 96,000 | $ 47,000 |
| Hickory, Missouri | 2 | $ 185,000 | $ 92,500 | $ 34,000 |
| Jasper, Missouri | 2 | $ 237,000 | $ 118,500 | $ 56,000 |
| Warren, Missouri | 2 | $ 89,000 | $ 44,500 | $ 89,000 |
| Webster, Missouri | 2 | $ 181,000 | $ 90,500 | $ 49,000 |
| Meagher, Montana | 2 | $ 674,000 | $ 337,000 | $ 73,000 |
| Sarpy, Nebraska | 2 | $ 500,000 | $ 250,000 | $ 63,000 |
| Cheshire, New Hampshire | 2 | $ 261,000 | $ 130,500 | $ 62,000 |
| Cape May, New Jersey | 2 | $ 568,000 | $ 284,000 | $ 134,000 |
| Hunterdon, New Jersey | 2 | $ 533,000 | $ 266,500 | $ 108,000 |
| Salem, New Jersey | 2 | $ 416,000 | $ 208,000 | $ 87,000 |
| Los Alamos, New Mexico | 2 | $ 652,000 | $ 326,000 | $ 139,000 |
| McKinley, New Mexico | 2 | $ 167,000 | $ 83,500 | $ 59,000 |
| Santa Fe, New Mexico | 2 | $ 361,000 | $ 180,500 | $ 105,000 |
| Albany, New York | 2 | $ 478,000 | $ 239,000 | $ 89,000 |
| Broome, New York | 2 | $ 131,000 | $ 65,500 | $ 47,000 |
| Chautauqua, New York | 2 | $ 192,000 | $ 96,000 | $ 45,000 |
| Monroe, New York | 2 | $ 178,000 | $ 89,000 | $ 128,000 |
| New York, New York | 2 | $ 440,000 | $ 220,000 | $ 0 |
| Niagara, New York | 2 | $ 388,000 | $ 194,000 | $ 150,000 |
| Ontario, New York | 2 | $ 190,000 | $ 95,000 | $ 67,000 |
| Putnam, New York | 2 | $ 512,000 | $ 256,000 | $ 84,000 |
Mortgage Loan Application Detail Totals for Ratestar, 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 |
|---|---|---|---|---|---|---|
| Refinancing | 3,421 | $631,067,000 | $185,276 | $1,759,000 | $73,319 | $1,716,000 |
| Home Purchase | 219 | $35,914,000 | $182,135 | $781,000 | $90,675 | $890,000 |
| Home Improvement | 9 | $758,000 | $84,500 | $236,000 | $97,250 | $240,000 |
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 | 3,045 | $553,729,000 | $183,170 | $1,759,000 | $75,595 | $1,716,000 |
| Black or African American | 248 | $45,011,000 | $194,968 | $735,000 | $64,531 | $192,000 |
| Not Provided | 214 | $41,694,000 | $192,926 | $800,000 | $77,414 | $395,000 |
| Hispanic | 93 | $16,540,000 | $163,250 | $492,000 | $60,700 | $152,000 |
| Asian | 35 | $8,540,000 | $205,266 | $1,350,000 | $99,200 | $830,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $1,187,000 | $156,142 | $272,000 | $74,142 | $140,000 |
| American Indian or Alaskan Native | 6 | $1,038,000 | $188,400 | $370,000 | $53,600 | $69,000 |
| 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) | 3,649 | $667,739,000 | $184,361 | $1,759,000 | $74,148 | $1,716,000 |
| 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 |
| VA-guaranteed (Veterans Administration) | 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 | 1,776 | $325,504,000 | $182,717 | $1,759,000 | $77,652 | $830,000 |
| Application Approved But Not Accepted | 865 | $161,861,000 | $193,085 | $1,500,000 | $80,829 | $890,000 |
| Application Denied By Financial Institution | 612 | $108,490,000 | $182,422 | $1,350,000 | $59,666 | $311,000 |
| Application Withdrawn By Applicant | 392 | $70,691,000 | $181,347 | $1,268,000 | $77,391 | $1,716,000 |
| File Closed For Incompleteness | 4 | $1,193,000 | $298,250 | $585,000 | $91,000 | $120,000 |
| 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 | 349 | $59,996,000 | $173,139 | $1,350,000 | $53,651 | $311,000 |
| Collateral | 148 | $27,831,000 | $189,514 | $640,000 | $65,057 | $220,000 |
| Debt-To-Income Ratio | 83 | $14,430,000 | $172,793 | $1,330,000 | $48,655 | $137,000 |
| Other | 14 | $1,864,000 | $140,166 | $257,000 | $60,500 | $132,000 |
| Unverifiable Information | 9 | $2,234,000 | $268,857 | $615,000 | $81,571 | $204,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $937,000 | $187,400 | $388,000 | $53,000 | $86,000 |
| Employment History | 2 | $558,000 | $279,000 | $344,000 | $86,000 | $102,000 |
| Credit Application Incomplete | 2 | $640,000 | $320,000 | $500,000 | $93,500 | $105,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ratestar, 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 Ratestar, 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 Ohio, download the full spreadsheet
with aggregated HMDA statistics today.
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