Ratestar, Inc. Mortgage Lending & HMDA Data, 2004
In 2004, Ratestar, Inc. of Cincinnati, OH reported 2,404 mortgage applications totaling $378.9 million. The average application was for $157,618, and applicants reported an average income of $65,300. 45% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (93), Edison, NJ (73) and Cincinnati-Middletown, OH-KY-IN (71) (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 | 2,404 |
| Total Mortgage Loan Application Amount | $378,915,000 |
| Average Mortgage Loan Application Amount | $157,618 |
| Highest Mortgage Loan Application Amount | $860,000 |
| Average Applicant Income | $65,300 |
| Highest Applicant Income | $1,184,000 |
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Act (HMDA) records Ratestar, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 39 | $ 3,955,000 | $ 101,410 | $ 36,000 |
| Cook, Illinois | 28 | $ 4,747,000 | $ 169,535 | $ 62,000 |
| Middlesex, New Jersey | 27 | $ 5,524,000 | $ 204,592 | $ 78,000 |
| Ocean, New Jersey | 27 | $ 4,652,000 | $ 172,296 | $ 50,000 |
| Suffolk, New York | 27 | $ 5,813,000 | $ 215,296 | $ 71,000 |
| Middlesex, Massachusetts | 23 | $ 4,885,000 | $ 212,391 | $ 72,000 |
| District of Columbia, District Of Columbia | 22 | $ 5,717,000 | $ 259,863 | $ 113,000 |
| Broward, Florida | 22 | $ 4,183,000 | $ 190,136 | $ 71,000 |
| Gwinnett, Georgia | 21 | $ 2,491,000 | $ 118,619 | $ 64,000 |
| Fairfax, Virginia | 20 | $ 4,992,000 | $ 249,600 | $ 112,000 |
| Montgomery, Maryland | 19 | $ 4,868,000 | $ 256,210 | $ 84,000 |
| Worcester, Massachusetts | 16 | $ 3,045,000 | $ 190,312 | $ 43,000 |
| Nassau, New York | 16 | $ 3,660,000 | $ 228,750 | $ 104,000 |
| Clermont, Ohio | 16 | $ 2,444,000 | $ 152,750 | $ 50,000 |
| Virginia Beach, Virginia | 16 | $ 2,871,000 | $ 179,437 | $ 46,000 |
| Hillsborough, Florida | 15 | $ 2,646,000 | $ 176,400 | $ 88,000 |
| Miami-Dade, Florida | 15 | $ 2,216,000 | $ 147,733 | $ 57,000 |
| Prince William, Virginia | 15 | $ 2,933,000 | $ 195,533 | $ 58,000 |
| York, Maine | 14 | $ 2,921,000 | $ 208,642 | $ 177,000 |
| Morris, New Jersey | 14 | $ 2,636,000 | $ 188,285 | $ 61,000 |
| Erie, New York | 14 | $ 1,301,000 | $ 92,928 | $ 54,000 |
| Maricopa, Arizona | 13 | $ 1,964,000 | $ 151,076 | $ 71,000 |
| Hillsborough, New Hampshire | 13 | $ 2,723,000 | $ 209,461 | $ 72,000 |
| Rockingham, New Hampshire | 13 | $ 2,772,000 | $ 213,230 | $ 78,000 |
| Monmouth, New Jersey | 13 | $ 2,353,000 | $ 181,000 | $ 77,000 |
| Bucks, Pennsylvania | 13 | $ 2,314,000 | $ 178,000 | $ 61,000 |
| DeKalb, Georgia | 12 | $ 1,806,000 | $ 150,500 | $ 52,000 |
| Prince George's, Maryland | 12 | $ 2,070,000 | $ 172,500 | $ 82,000 |
| Jackson, Missouri | 12 | $ 1,131,000 | $ 94,250 | $ 38,000 |
| Queens, New York | 12 | $ 3,484,000 | $ 290,333 | $ 84,000 |
| Milwaukee, Wisconsin | 12 | $ 1,593,000 | $ 132,750 | $ 83,000 |
| Essex, Massachusetts | 11 | $ 1,624,000 | $ 147,636 | $ 91,000 |
| Clark, Nevada | 11 | $ 2,039,000 | $ 185,363 | $ 69,000 |
| Burlington, New Jersey | 11 | $ 1,918,000 | $ 174,363 | $ 81,000 |
| Kings, New York | 11 | $ 2,914,000 | $ 264,909 | $ 60,000 |
| Butler, Ohio | 11 | $ 1,142,000 | $ 103,818 | $ 53,000 |
| Riverside, California | 10 | $ 1,496,000 | $ 149,600 | $ 93,000 |
| Cobb, Georgia | 10 | $ 1,531,000 | $ 153,100 | $ 90,000 |
| Cumberland, Maine | 10 | $ 1,780,000 | $ 178,000 | $ 44,000 |
| Camden, New Jersey | 10 | $ 1,315,000 | $ 131,500 | $ 85,000 |
| Richmond, New York | 10 | $ 2,208,000 | $ 220,800 | $ 78,000 |
| Steuben, New York | 10 | $ 632,000 | $ 63,200 | $ 40,000 |
| Montgomery, Ohio | 10 | $ 913,000 | $ 91,300 | $ 56,000 |
| New Castle, Delaware | 9 | $ 1,539,000 | $ 171,000 | $ 59,000 |
| Pinellas, Florida | 9 | $ 1,088,000 | $ 120,888 | $ 64,000 |
| Fulton, Georgia | 9 | $ 2,211,000 | $ 245,666 | $ 82,000 |
| Oakland, Michigan | 9 | $ 1,339,000 | $ 148,777 | $ 211,000 |
| Wayne, Michigan | 9 | $ 1,229,000 | $ 136,555 | $ 53,000 |
| Gloucester, New Jersey | 9 | $ 1,424,000 | $ 158,222 | $ 50,000 |
| Orange, New York | 9 | $ 1,372,000 | $ 152,444 | $ 41,000 |
| Westchester, New York | 9 | $ 2,303,000 | $ 255,888 | $ 51,000 |
| Mecklenburg, North Carolina | 9 | $ 1,490,000 | $ 165,555 | $ 50,000 |
| Wake, North Carolina | 9 | $ 1,899,000 | $ 211,000 | $ 50,000 |
| Jackson, Oregon | 9 | $ 1,297,000 | $ 144,111 | $ 47,000 |
| Monroe, Pennsylvania | 9 | $ 1,247,000 | $ 138,555 | $ 76,000 |
| Hartford, Connecticut | 8 | $ 971,000 | $ 121,375 | $ 61,000 |
| Orange, Florida | 8 | $ 1,339,000 | $ 167,375 | $ 58,000 |
| Anne Arundel, Maryland | 8 | $ 1,314,000 | $ 164,250 | $ 43,000 |
| Barnstable, Massachusetts | 8 | $ 1,829,000 | $ 228,625 | $ 108,000 |
| Bergen, New Jersey | 8 | $ 1,678,000 | $ 209,750 | $ 47,000 |
| Union, New Jersey | 8 | $ 1,971,000 | $ 246,375 | $ 110,000 |
| Monroe, New York | 8 | $ 791,000 | $ 98,875 | $ 56,000 |
| Montgomery, Pennsylvania | 8 | $ 1,137,000 | $ 142,125 | $ 48,000 |
| Sussex, Delaware | 7 | $ 1,363,000 | $ 194,714 | $ 72,000 |
| Johnson, Kansas | 7 | $ 1,033,000 | $ 147,571 | $ 93,000 |
| Sedgwick, Kansas | 7 | $ 988,000 | $ 141,142 | $ 88,000 |
| East Baton Rouge, Louisiana | 7 | $ 1,100,000 | $ 157,142 | $ 90,000 |
| Baltimore, Maryland | 7 | $ 1,060,000 | $ 151,428 | $ 82,000 |
| Charles, Maryland | 7 | $ 1,756,000 | $ 250,857 | $ 71,000 |
| Plymouth, Massachusetts | 7 | $ 1,800,000 | $ 257,142 | $ 60,000 |
| Suffolk, Massachusetts | 7 | $ 1,893,000 | $ 270,428 | $ 94,000 |
| Hennepin, Minnesota | 7 | $ 1,230,000 | $ 175,714 | $ 54,000 |
| Essex, New Jersey | 7 | $ 1,906,000 | $ 272,285 | $ 106,000 |
| Ulster, New York | 7 | $ 964,000 | $ 137,714 | $ 57,000 |
| York, Pennsylvania | 7 | $ 909,000 | $ 129,857 | $ 48,000 |
| Berkeley, West Virginia | 7 | $ 977,000 | $ 139,571 | $ 78,000 |
| Kanawha, West Virginia | 7 | $ 717,000 | $ 102,428 | $ 61,000 |
| Fairfield, Connecticut | 6 | $ 1,805,000 | $ 300,833 | $ 95,000 |
| Lee, Florida | 6 | $ 861,000 | $ 143,500 | $ 53,000 |
| Marion, Florida | 6 | $ 584,000 | $ 97,333 | $ 37,000 |
| Hampden, Massachusetts | 6 | $ 988,000 | $ 164,666 | $ 53,000 |
| Cumberland, New Jersey | 6 | $ 665,000 | $ 110,833 | $ 68,000 |
| Mercer, New Jersey | 6 | $ 1,131,000 | $ 188,500 | $ 66,000 |
| Somerset, New Jersey | 6 | $ 897,000 | $ 149,500 | $ 38,000 |
| Onondaga, New York | 6 | $ 1,117,000 | $ 186,166 | $ 85,000 |
| Allegheny, Pennsylvania | 6 | $ 520,000 | $ 86,666 | $ 45,000 |
| Chester, Pennsylvania | 6 | $ 895,000 | $ 149,166 | $ 72,000 |
| Philadelphia, Pennsylvania | 6 | $ 729,000 | $ 121,500 | $ 64,000 |
| Providence, Rhode Island | 6 | $ 906,000 | $ 151,000 | $ 32,000 |
| Hamilton, Tennessee | 6 | $ 1,022,000 | $ 170,333 | $ 86,000 |
| Chittenden, Vermont | 6 | $ 820,000 | $ 136,666 | $ 64,000 |
| Stafford, Virginia | 6 | $ 1,094,000 | $ 182,333 | $ 92,000 |
| Pierce, Washington | 6 | $ 839,000 | $ 139,833 | $ 39,000 |
| Baldwin, Alabama | 5 | $ 953,000 | $ 190,600 | $ 109,000 |
| Madison, Alabama | 5 | $ 782,000 | $ 156,400 | $ 34,000 |
| Los Angeles, California | 5 | $ 1,135,000 | $ 227,000 | $ 74,000 |
| San Bernardino, California | 5 | $ 856,000 | $ 171,200 | $ 77,000 |
| San Diego, California | 5 | $ 1,672,000 | $ 334,400 | $ 92,000 |
| Brevard, Florida | 5 | $ 601,000 | $ 120,200 | $ 58,000 |
| Palm Beach, Florida | 5 | $ 570,000 | $ 114,000 | $ 54,000 |
| Clayton, Georgia | 5 | $ 576,000 | $ 115,200 | $ 38,000 |
| Paulding, Georgia | 5 | $ 713,000 | $ 142,600 | $ 39,000 |
| DuPage, Illinois | 5 | $ 723,000 | $ 144,600 | $ 48,000 |
| Kane, Illinois | 5 | $ 723,000 | $ 144,600 | $ 75,000 |
| Porter, Indiana | 5 | $ 787,000 | $ 157,400 | $ 59,000 |
| Fayette, Kentucky | 5 | $ 757,000 | $ 151,400 | $ 51,000 |
| St. Tammany, Louisiana | 5 | $ 853,000 | $ 170,600 | $ 66,000 |
| Baltimore City, Maryland | 5 | $ 743,000 | $ 148,600 | $ 66,000 |
| Carroll, Maryland | 5 | $ 728,000 | $ 145,600 | $ 46,000 |
| Norfolk, Massachusetts | 5 | $ 850,000 | $ 170,000 | $ 41,000 |
| Harrison, Mississippi | 5 | $ 527,000 | $ 105,400 | $ 60,000 |
| St. Charles, Missouri | 5 | $ 772,000 | $ 154,400 | $ 59,000 |
| St. Louis, Missouri | 5 | $ 1,135,000 | $ 227,000 | $ 78,000 |
| Passaic, New Jersey | 5 | $ 1,077,000 | $ 215,400 | $ 59,000 |
| Cattaraugus, New York | 5 | $ 462,000 | $ 92,400 | $ 71,000 |
| Dutchess, New York | 5 | $ 646,000 | $ 129,200 | $ 60,000 |
| Oneida, New York | 5 | $ 548,000 | $ 109,600 | $ 44,000 |
| Saratoga, New York | 5 | $ 909,000 | $ 181,800 | $ 42,000 |
| Schenectady, New York | 5 | $ 541,000 | $ 108,200 | $ 88,000 |
| Buncombe, North Carolina | 5 | $ 600,000 | $ 120,000 | $ 33,000 |
| Summit, Ohio | 5 | $ 732,000 | $ 146,400 | $ 74,000 |
| Warren, Ohio | 5 | $ 837,000 | $ 167,400 | $ 65,000 |
| Berks, Pennsylvania | 5 | $ 522,000 | $ 104,400 | $ 45,000 |
| Horry, South Carolina | 5 | $ 689,000 | $ 137,800 | $ 40,000 |
| Richland, South Carolina | 5 | $ 531,000 | $ 106,200 | $ 68,000 |
| Shelby, Tennessee | 5 | $ 649,000 | $ 129,800 | $ 67,000 |
| Chesterfield, Virginia | 5 | $ 938,000 | $ 187,600 | $ 84,000 |
| Loudoun, Virginia | 5 | $ 1,255,000 | $ 251,000 | $ 80,000 |
| Spotsylvania, Virginia | 5 | $ 1,084,000 | $ 216,800 | $ 78,000 |
| Jefferson, West Virginia | 5 | $ 1,116,000 | $ 223,200 | $ 60,000 |
| Kern, California | 4 | $ 815,000 | $ 203,750 | $ 64,000 |
| Santa Clara, California | 4 | $ 1,523,000 | $ 380,750 | $ 52,000 |
| New London, Connecticut | 4 | $ 577,000 | $ 144,250 | $ 49,000 |
| Kent, Delaware | 4 | $ 633,000 | $ 158,250 | $ 95,000 |
| Duval, Florida | 4 | $ 711,000 | $ 177,750 | $ 53,000 |
| Escambia, Florida | 4 | $ 339,000 | $ 84,750 | $ 60,000 |
| Lake, Florida | 4 | $ 372,000 | $ 93,000 | $ 59,000 |
| Seminole, Florida | 4 | $ 563,000 | $ 140,750 | $ 65,000 |
| Volusia, Florida | 4 | $ 572,000 | $ 143,000 | $ 158,000 |
| Bartow, Georgia | 4 | $ 956,000 | $ 239,000 | $ 45,000 |
| Cherokee, Georgia | 4 | $ 555,000 | $ 138,750 | $ 32,000 |
| Douglas, Georgia | 4 | $ 406,000 | $ 101,500 | $ 44,000 |
| Walker, Georgia | 4 | $ 429,000 | $ 107,250 | $ 27,000 |
| Leavenworth, Kansas | 4 | $ 465,000 | $ 116,250 | $ 43,000 |
| Jefferson, Kentucky | 4 | $ 713,000 | $ 178,250 | $ 68,000 |
| Orleans, Louisiana | 4 | $ 851,000 | $ 212,750 | $ 70,000 |
| Kennebec, Maine | 4 | $ 426,000 | $ 106,500 | $ 51,000 |
| Howard, Maryland | 4 | $ 723,000 | $ 180,750 | $ 85,000 |
| Mecosta, Michigan | 4 | $ 261,000 | $ 65,250 | $ 106,000 |
| Ramsey, Minnesota | 4 | $ 693,000 | $ 173,250 | $ 47,000 |
| Jackson, Mississippi | 4 | $ 316,000 | $ 79,000 | $ 46,000 |
| Madison, Mississippi | 4 | $ 1,711,000 | $ 427,750 | $ 122,000 |
| St. Louis City, Missouri | 4 | $ 569,000 | $ 142,250 | $ 34,000 |
| Sussex, New Jersey | 4 | $ 903,000 | $ 225,750 | $ 143,000 |
| Bernalillo, New Mexico | 4 | $ 532,000 | $ 133,000 | $ 42,000 |
| Chautauqua, New York | 4 | $ 290,000 | $ 72,500 | $ 10,000 |
| Madison, New York | 4 | $ 278,000 | $ 69,500 | $ 54,000 |
| Oswego, New York | 4 | $ 426,000 | $ 106,500 | $ 66,000 |
| Putnam, New York | 4 | $ 942,000 | $ 235,500 | $ 89,000 |
| Rensselaer, New York | 4 | $ 561,000 | $ 140,250 | $ 78,000 |
| Sullivan, New York | 4 | $ 532,000 | $ 133,000 | $ 32,000 |
| Washington, New York | 4 | $ 258,000 | $ 64,500 | $ 42,000 |
| Alamance, North Carolina | 4 | $ 444,000 | $ 111,000 | $ 68,000 |
| Brunswick, North Carolina | 4 | $ 570,000 | $ 142,500 | $ 110,000 |
| Cumberland, North Carolina | 4 | $ 427,000 | $ 106,750 | $ 48,000 |
| Durham, North Carolina | 4 | $ 533,000 | $ 133,250 | $ 58,000 |
| Guilford, North Carolina | 4 | $ 469,000 | $ 117,250 | $ 70,000 |
| Johnston, North Carolina | 4 | $ 527,000 | $ 131,750 | $ 52,000 |
| Richland, Ohio | 4 | $ 506,000 | $ 126,500 | $ 41,000 |
| Shelby, Ohio | 4 | $ 293,000 | $ 73,250 | $ 65,000 |
| Stark, Ohio | 4 | $ 335,000 | $ 83,750 | $ 51,000 |
| Tulsa, Oklahoma | 4 | $ 472,000 | $ 118,000 | $ 66,000 |
| Multnomah, Oregon | 4 | $ 823,000 | $ 205,750 | $ 57,000 |
| Pike, Pennsylvania | 4 | $ 563,000 | $ 140,750 | $ 12,000 |
| Davidson, Tennessee | 4 | $ 410,000 | $ 102,500 | $ 40,000 |
| Montgomery, Tennessee | 4 | $ 368,000 | $ 92,000 | $ 47,000 |
| Sumner, Tennessee | 4 | $ 993,000 | $ 248,250 | $ 123,000 |
| Chesapeake, Virginia | 4 | $ 578,000 | $ 144,500 | $ 64,000 |
| Louisa, Virginia | 4 | $ 363,000 | $ 90,750 | $ 43,000 |
| Prince George, Virginia | 4 | $ 379,000 | $ 94,750 | $ 43,000 |
| Gilmer, West Virginia | 4 | $ 155,000 | $ 38,750 | $ 61,000 |
| Marion, West Virginia | 4 | $ 403,000 | $ 100,750 | $ 63,000 |
| Columbia, Wisconsin | 4 | $ 496,000 | $ 124,000 | $ 47,000 |
| Waukesha, Wisconsin | 4 | $ 965,000 | $ 241,250 | $ 54,000 |
| Calhoun, Alabama | 3 | $ 410,000 | $ 136,666 | $ 48,000 |
| Jefferson, Alabama | 3 | $ 414,000 | $ 138,000 | $ 54,000 |
| Mobile, Alabama | 3 | $ 308,000 | $ 102,666 | $ 53,000 |
| Benton, Arkansas | 3 | $ 610,000 | $ 203,333 | $ 71,000 |
| Craighead, Arkansas | 3 | $ 425,000 | $ 141,666 | $ 20,000 |
| Washington, Arkansas | 3 | $ 575,000 | $ 191,666 | $ 12,000 |
| Contra Costa, California | 3 | $ 678,000 | $ 226,000 | $ 88,000 |
| New Haven, Connecticut | 3 | $ 497,000 | $ 165,666 | $ 87,000 |
| Hernando, Florida | 3 | $ 336,000 | $ 112,000 | $ 50,000 |
| Polk, Florida | 3 | $ 415,000 | $ 138,333 | $ 63,000 |
| Carroll, Georgia | 3 | $ 406,000 | $ 135,333 | $ 40,000 |
| Chatham, Georgia | 3 | $ 359,000 | $ 119,666 | $ 432,000 |
| Floyd, Georgia | 3 | $ 472,000 | $ 157,333 | $ 68,000 |
| Henry, Georgia | 3 | $ 318,000 | $ 106,000 | $ 46,000 |
| Jackson, Georgia | 3 | $ 435,000 | $ 145,000 | $ 76,000 |
| Edgar, Illinois | 3 | $ 223,000 | $ 74,333 | $ 43,000 |
| Kankakee, Illinois | 3 | $ 309,000 | $ 103,000 | $ 49,000 |
| Kendall, Illinois | 3 | $ 467,000 | $ 155,666 | $ 91,000 |
| Boone, Indiana | 3 | $ 492,000 | $ 164,000 | $ 117,000 |
| Marion, Indiana | 3 | $ 502,000 | $ 167,333 | $ 25,000 |
| Campbell, Kentucky | 3 | $ 253,000 | $ 84,333 | $ 61,000 |
| Jefferson, Louisiana | 3 | $ 560,000 | $ 186,666 | $ 99,000 |
| Lafayette, Louisiana | 3 | $ 444,000 | $ 148,000 | $ 51,000 |
| Tangipahoa, Louisiana | 3 | $ 173,000 | $ 57,666 | $ 44,000 |
| Androscoggin, Maine | 3 | $ 335,000 | $ 111,666 | $ 26,000 |
| Frederick, Maryland | 3 | $ 557,000 | $ 185,666 | $ 184,000 |
| St. Mary's, Maryland | 3 | $ 275,000 | $ 91,666 | $ 81,000 |
| Eaton, Michigan | 3 | $ 437,000 | $ 145,666 | $ 88,000 |
| Freeborn, Minnesota | 3 | $ 208,000 | $ 69,333 | $ 31,000 |
| Clarke, Mississippi | 3 | $ 157,000 | $ 52,333 | $ 36,000 |
| DeSoto, Mississippi | 3 | $ 338,000 | $ 112,666 | $ 83,000 |
| Clay, Missouri | 3 | $ 533,000 | $ 177,666 | $ 173,000 |
| Washoe, Nevada | 3 | $ 561,000 | $ 187,000 | $ 60,000 |
| Atlantic, New Jersey | 3 | $ 525,000 | $ 175,000 | $ 55,000 |
| Cape May, New Jersey | 3 | $ 609,000 | $ 203,000 | $ 62,000 |
| Hudson, New Jersey | 3 | $ 408,000 | $ 136,000 | $ 42,000 |
| Hunterdon, New Jersey | 3 | $ 580,000 | $ 193,333 | $ 29,000 |
| Albany, New York | 3 | $ 448,000 | $ 149,333 | $ 43,000 |
| Bronx, New York | 3 | $ 460,000 | $ 153,333 | $ 52,000 |
| Chemung, New York | 3 | $ 243,000 | $ 81,000 | $ 48,000 |
| Franklin, New York | 3 | $ 282,000 | $ 94,000 | $ 52,000 |
| Rockland, New York | 3 | $ 520,000 | $ 173,333 | $ 76,000 |
| Schoharie, New York | 3 | $ 225,000 | $ 75,000 | $ 45,000 |
| Tompkins, New York | 3 | $ 481,000 | $ 160,333 | $ 19,000 |
| Wayne, New York | 3 | $ 239,000 | $ 79,666 | $ 57,000 |
| Burke, North Carolina | 3 | $ 311,000 | $ 103,666 | $ 45,000 |
| Carteret, North Carolina | 3 | $ 426,000 | $ 142,000 | $ 75,000 |
| Davidson, North Carolina | 3 | $ 314,000 | $ 104,666 | $ 32,000 |
| Haywood, North Carolina | 3 | $ 387,000 | $ 129,000 | $ 59,000 |
| Moore, North Carolina | 3 | $ 378,000 | $ 126,000 | $ 26,000 |
| New Hanover, North Carolina | 3 | $ 386,000 | $ 128,666 | $ 28,000 |
| Cuyahoga, Ohio | 3 | $ 429,000 | $ 143,000 | $ 47,000 |
| Franklin, Ohio | 3 | $ 463,000 | $ 154,333 | $ 69,000 |
| Lucas, Ohio | 3 | $ 408,000 | $ 136,000 | $ 72,000 |
| Washington, Oregon | 3 | $ 720,000 | $ 240,000 | $ 53,000 |
| Adams, Pennsylvania | 3 | $ 277,000 | $ 92,333 | $ 40,000 |
| Delaware, Pennsylvania | 3 | $ 886,000 | $ 295,333 | $ 134,000 |
| Lancaster, Pennsylvania | 3 | $ 437,000 | $ 145,666 | $ 58,000 |
| Lehigh, Pennsylvania | 3 | $ 478,000 | $ 159,333 | $ 42,000 |
| Washington, Pennsylvania | 3 | $ 453,000 | $ 151,000 | $ 48,000 |
| Westmoreland, Pennsylvania | 3 | $ 373,000 | $ 124,333 | $ 58,000 |
| Beaufort, South Carolina | 3 | $ 718,000 | $ 239,333 | $ 91,000 |
| Berkeley, South Carolina | 3 | $ 359,000 | $ 119,666 | $ 49,000 |
| Charleston, South Carolina | 3 | $ 975,000 | $ 325,000 | $ 196,000 |
| Lamoille, Vermont | 3 | $ 819,000 | $ 273,000 | $ 163,000 |
| Rutland, Vermont | 3 | $ 359,000 | $ 119,666 | $ 67,000 |
| Alexandria, Virginia | 3 | $ 580,000 | $ 193,333 | $ 83,000 |
| Bristol, Virginia | 3 | $ 185,000 | $ 61,666 | $ 40,000 |
| Fauquier, Virginia | 3 | $ 571,000 | $ 190,333 | $ 70,000 |
| Putnam, West Virginia | 3 | $ 356,000 | $ 118,666 | $ 32,000 |
| Racine, Wisconsin | 3 | $ 198,000 | $ 66,000 | $ 48,000 |
| Coffee, Alabama | 2 | $ 161,000 | $ 80,500 | $ 33,000 |
| Colbert, Alabama | 2 | $ 128,000 | $ 64,000 | $ 39,000 |
| Covington, Alabama | 2 | $ 224,000 | $ 112,000 | $ 35,000 |
| Dale, Alabama | 2 | $ 288,000 | $ 144,000 | $ 63,000 |
| Escambia, Alabama | 2 | $ 420,000 | $ 210,000 | $ 36,000 |
| Etowah, Alabama | 2 | $ 196,000 | $ 98,000 | $ 132,000 |
| Lauderdale, Alabama | 2 | $ 241,000 | $ 120,500 | $ 41,000 |
| Tuscaloosa, Alabama | 2 | $ 460,000 | $ 230,000 | $ 135,000 |
| Cochise, Arizona | 2 | $ 193,000 | $ 96,500 | $ 47,000 |
| Pima, Arizona | 2 | $ 335,000 | $ 167,500 | $ 26,000 |
| Yavapai, Arizona | 2 | $ 162,000 | $ 81,000 | $ 22,000 |
| Boone, Arkansas | 2 | $ 293,000 | $ 146,500 | $ 84,000 |
| Sebastian, Arkansas | 2 | $ 175,000 | $ 87,500 | $ 84,000 |
| Union, Arkansas | 2 | $ 184,000 | $ 92,000 | $ 80,000 |
| White, Arkansas | 2 | $ 245,000 | $ 122,500 | $ 26,000 |
| Sacramento, California | 2 | $ 332,000 | $ 166,000 | $ 29,000 |
| San Luis Obispo, California | 2 | $ 525,000 | $ 262,500 | $ 60,000 |
| Stanislaus, California | 2 | $ 293,000 | $ 146,500 | $ 149,000 |
| Denver, Colorado | 2 | $ 310,000 | $ 155,000 | $ 20,000 |
| El Paso, Colorado | 2 | $ 137,000 | $ 68,500 | $ 53,000 |
| Larimer, Colorado | 2 | $ 167,000 | $ 83,500 | $ 53,000 |
| Teller, Colorado | 2 | $ 159,000 | $ 79,500 | $ 43,000 |
| Litchfield, Connecticut | 2 | $ 506,000 | $ 253,000 | $ 92,000 |
| Windham, Connecticut | 2 | $ 488,000 | $ 244,000 | $ 91,000 |
| Flagler, Florida | 2 | $ 192,000 | $ 96,000 | $ 34,000 |
| Sarasota, Florida | 2 | $ 247,000 | $ 123,500 | $ 39,000 |
| St. Lucie, Florida | 2 | $ 318,000 | $ 159,000 | $ 62,000 |
| Baldwin, Georgia | 2 | $ 136,000 | $ 68,000 | $ 56,000 |
| Bibb, Georgia | 2 | $ 205,000 | $ 102,500 | $ 96,000 |
| Columbia, Georgia | 2 | $ 362,000 | $ 181,000 | $ 75,000 |
| Dodge, Georgia | 2 | $ 192,000 | $ 96,000 | $ 116,000 |
| Fayette, Georgia | 2 | $ 330,000 | $ 165,000 | $ 56,000 |
| Forsyth, Georgia | 2 | $ 245,000 | $ 122,500 | $ 96,000 |
| Haralson, Georgia | 2 | $ 228,000 | $ 114,000 | $ 43,000 |
| Murray, Georgia | 2 | $ 129,000 | $ 64,500 | $ 40,000 |
| Muscogee, Georgia | 2 | $ 374,000 | $ 187,000 | $ 60,000 |
| Pickens, Georgia | 2 | $ 222,000 | $ 111,000 | $ 93,000 |
| Champaign, Illinois | 2 | $ 184,000 | $ 92,000 | $ 96,000 |
| DeKalb, Illinois | 2 | $ 308,000 | $ 154,000 | $ 60,000 |
| Lake, Illinois | 2 | $ 194,000 | $ 97,000 | $ 27,000 |
| McHenry, Illinois | 2 | $ 226,000 | $ 113,000 | $ 57,000 |
| Allen, Indiana | 2 | $ 230,000 | $ 115,000 | $ 49,000 |
| Brown, Indiana | 2 | $ 233,000 | $ 116,500 | $ 18,000 |
| Dearborn, Indiana | 2 | $ 389,000 | $ 194,500 | $ 56,000 |
| DeKalb, Indiana | 2 | $ 110,000 | $ 55,000 | $ 36,000 |
| Elkhart, Indiana | 2 | $ 148,000 | $ 74,000 | $ 52,000 |
| Parke, Indiana | 2 | $ 134,000 | $ 67,000 | $ 43,000 |
| Rush, Indiana | 2 | $ 95,000 | $ 47,500 | $ 41,000 |
| St. Joseph, Indiana | 2 | $ 222,000 | $ 111,000 | $ 20,000 |
| Bremer, Iowa | 2 | $ 115,000 | $ 57,500 | $ 80,000 |
| Polk, Iowa | 2 | $ 215,000 | $ 107,500 | $ 53,000 |
| Pottawattamie, Iowa | 2 | $ 150,000 | $ 75,000 | $ 22,000 |
| McPherson, Kansas | 2 | $ 300,000 | $ 150,000 | $ 154,000 |
| Shawnee, Kansas | 2 | $ 83,000 | $ 41,500 | $ 35,000 |
| Sumner, Kansas | 2 | $ 368,000 | $ 184,000 | $ 99,000 |
| Boyd, Kentucky | 2 | $ 227,000 | $ 113,500 | $ 71,000 |
| Crittenden, Kentucky | 2 | $ 80,000 | $ 40,000 | $ 69,000 |
| Harrison, Kentucky | 2 | $ 90,000 | $ 45,000 | $ 25,000 |
| Marshall, Kentucky | 2 | $ 169,000 | $ 84,500 | $ 60,000 |
| McCracken, Kentucky | 2 | $ 370,000 | $ 185,000 | $ 25,000 |
| Whitley, Kentucky | 2 | $ 191,000 | $ 95,500 | $ 25,000 |
| Bossier, Louisiana | 2 | $ 305,000 | $ 152,500 | $ 57,000 |
| Caddo, Louisiana | 2 | $ 393,000 | $ 196,500 | $ 39,000 |
| Calcasieu, Louisiana | 2 | $ 201,000 | $ 100,500 | $ 73,000 |
| Jefferson Davis, Louisiana | 2 | $ 101,000 | $ 50,500 | $ 79,000 |
| Rapides, Louisiana | 2 | $ 200,000 | $ 100,000 | $ 72,000 |
| Terrebonne, Louisiana | 2 | $ 214,000 | $ 107,000 | $ 45,000 |
| Hancock, Maine | 2 | $ 412,000 | $ 206,000 | $ 50,000 |
| Calvert, Maryland | 2 | $ 288,000 | $ 144,000 | $ 74,000 |
| Caroline, Maryland | 2 | $ 225,000 | $ 112,500 | $ 60,000 |
| Cecil, Maryland | 2 | $ 566,000 | $ 283,000 | $ 101,000 |
| Dorchester, Maryland | 2 | $ 171,000 | $ 85,500 | $ 26,000 |
| Harford, Maryland | 2 | $ 460,000 | $ 230,000 | $ 99,000 |
| Kent, Maryland | 2 | $ 240,000 | $ 120,000 | $ 16,000 |
| Washington, Maryland | 2 | $ 370,000 | $ 185,000 | $ 70,000 |
| Wicomico, Maryland | 2 | $ 274,000 | $ 137,000 | $ 54,000 |
| Calhoun, Michigan | 2 | $ 577,000 | $ 288,500 | $ 84,000 |
| Genesee, Michigan | 2 | $ 232,000 | $ 116,000 | $ 15,000 |
| Livingston, Michigan | 2 | $ 460,000 | $ 230,000 | $ 83,000 |
| Macomb, Michigan | 2 | $ 229,000 | $ 114,500 | $ 128,000 |
| Montcalm, Michigan | 2 | $ 232,000 | $ 116,000 | $ 0 |
| Roscommon, Michigan | 2 | $ 100,000 | $ 50,000 | $ 15,000 |
| St. Clair, Michigan | 2 | $ 250,000 | $ 125,000 | $ 76,000 |
| Washtenaw, Michigan | 2 | $ 337,000 | $ 168,500 | $ 110,000 |
| Dakota, Minnesota | 2 | $ 128,000 | $ 64,000 | $ 42,000 |
| Scott, Minnesota | 2 | $ 330,000 | $ 165,000 | $ 14,000 |
| Sherburne, Minnesota | 2 | $ 365,000 | $ 182,500 | $ 51,000 |
| Lowndes, Mississippi | 2 | $ 245,000 | $ 122,500 | $ 66,000 |
| Rankin, Mississippi | 2 | $ 397,000 | $ 198,500 | $ 92,000 |
| Jefferson, Missouri | 2 | $ 217,000 | $ 108,500 | $ 49,000 |
| Stone, Missouri | 2 | $ 564,000 | $ 282,000 | $ 127,000 |
| Texas, Missouri | 2 | $ 164,000 | $ 82,000 | $ 29,000 |
| Douglas, Nebraska | 2 | $ 351,000 | $ 175,500 | $ 26,000 |
| Hamilton, Nebraska | 2 | $ 106,000 | $ 53,000 | $ 53,000 |
| Kearney, Nebraska | 2 | $ 162,000 | $ 81,000 | $ 45,000 |
| Churchill, Nevada | 2 | $ 238,000 | $ 119,000 | $ 64,000 |
| Belknap, New Hampshire | 2 | $ 252,000 | $ 126,000 | $ 54,000 |
| Coos, New Hampshire | 2 | $ 215,000 | $ 107,500 | $ 46,000 |
| Grafton, New Hampshire | 2 | $ 234,000 | $ 117,000 | $ 114,000 |
| Strafford, New Hampshire | 2 | $ 351,000 | $ 175,500 | $ 71,000 |
| Warren, New Jersey | 2 | $ 213,000 | $ 106,500 | $ 63,000 |
| Lea, New Mexico | 2 | $ 397,000 | $ 198,500 | $ 56,000 |
| Cayuga, New York | 2 | $ 172,000 | $ 86,000 | $ 44,000 |
| Chenango, New York | 2 | $ 65,000 | $ 32,500 | $ 61,000 |
| Clinton, New York | 2 | $ 210,000 | $ 105,000 | $ 46,000 |
| Delaware, New York | 2 | $ 305,000 | $ 152,500 | $ 95,000 |
| Herkimer, New York | 2 | $ 235,000 | $ 117,500 | $ 23,000 |
| Orleans, New York | 2 | $ 206,000 | $ 103,000 | $ 44,000 |
| Otsego, New York | 2 | $ 112,000 | $ 56,000 | $ 42,000 |
| Tioga, New York | 2 | $ 129,000 | $ 64,500 | $ 33,000 |
| Cabarrus, North Carolina | 2 | $ 195,000 | $ 97,500 | $ 54,000 |
| Craven, North Carolina | 2 | $ 215,000 | $ 107,500 | $ 31,000 |
| Currituck, North Carolina | 2 | $ 312,000 | $ 156,000 | $ 263,000 |
| Dare, North Carolina | 2 | $ 458,000 | $ 229,000 | $ 208,000 |
| Franklin, North Carolina | 2 | $ 245,000 | $ 122,500 | $ 63,000 |
| Gaston, North Carolina | 2 | $ 191,000 | $ 95,500 | $ 17,000 |
| Iredell, North Carolina | 2 | $ 534,000 | $ 267,000 | $ 56,000 |
| Pasquotank, North Carolina | 2 | $ 382,000 | $ 191,000 | $ 39,000 |
| Union, North Carolina | 2 | $ 246,000 | $ 123,000 | $ 60,000 |
| Burleigh, North Dakota | 2 | $ 497,000 | $ 248,500 | $ 140,000 |
| Clark, Ohio | 2 | $ 225,000 | $ 112,500 | $ 58,000 |
| Columbiana, Ohio | 2 | $ 212,000 | $ 106,000 | $ 70,000 |
| Erie, Ohio | 2 | $ 226,000 | $ 113,000 | $ 78,000 |
| Geauga, Ohio | 2 | $ 291,000 | $ 145,500 | $ 55,000 |
| Hocking, Ohio | 2 | $ 380,000 | $ 190,000 | $ 22,000 |
| Logan, Ohio | 2 | $ 280,000 | $ 140,000 | $ 76,000 |
| Lorain, Ohio | 2 | $ 390,000 | $ 195,000 | $ 78,000 |
| Medina, Ohio | 2 | $ 285,000 | $ 142,500 | $ 65,000 |
| Miami, Ohio | 2 | $ 101,000 | $ 50,500 | $ 49,000 |
| Pickaway, Ohio | 2 | $ 463,000 | $ 231,500 | $ 74,000 |
| Tuscarawas, Ohio | 2 | $ 231,000 | $ 115,500 | $ 66,000 |
| Cleveland, Oklahoma | 2 | $ 174,000 | $ 87,000 | $ 27,000 |
| Clackamas, Oregon | 2 | $ 670,000 | $ 335,000 | $ 118,000 |
| Hood River, Oregon | 2 | $ 396,000 | $ 198,000 | $ 84,000 |
| Linn, Oregon | 2 | $ 195,000 | $ 97,500 | $ 24,000 |
| Beaver, Pennsylvania | 2 | $ 185,000 | $ 92,500 | $ 92,000 |
| Bradford, Pennsylvania | 2 | $ 234,000 | $ 117,000 | $ 34,000 |
| Butler, Pennsylvania | 2 | $ 195,000 | $ 97,500 | $ 45,000 |
| Clearfield, Pennsylvania | 2 | $ 240,000 | $ 120,000 | $ 147,000 |
| Cumberland, Pennsylvania | 2 | $ 264,000 | $ 132,000 | $ 49,000 |
| Dauphin, Pennsylvania | 2 | $ 144,000 | $ 72,000 | $ 40,000 |
| Erie, Pennsylvania | 2 | $ 72,000 | $ 36,000 | $ 31,000 |
| Franklin, Pennsylvania | 2 | $ 575,000 | $ 287,500 | $ 57,000 |
| Schuylkill, Pennsylvania | 2 | $ 151,000 | $ 75,500 | $ 79,000 |
| Kent, Rhode Island | 2 | $ 285,000 | $ 142,500 | $ 74,000 |
| Newport, Rhode Island | 2 | $ 350,000 | $ 175,000 | $ 74,000 |
| Cherokee, South Carolina | 2 | $ 382,000 | $ 191,000 | $ 49,000 |
| Clarendon, South Carolina | 2 | $ 209,000 | $ 104,500 | $ 29,000 |
| Greenville, South Carolina | 2 | $ 255,000 | $ 127,500 | $ 42,000 |
| Lexington, South Carolina | 2 | $ 349,000 | $ 174,500 | $ 38,000 |
| York, South Carolina | 2 | $ 346,000 | $ 173,000 | $ 28,000 |
| Addison, Vermont | 2 | $ 246,000 | $ 123,000 | $ 81,000 |
| Albemarle, Virginia | 2 | $ 215,000 | $ 107,500 | $ 80,000 |
| Gloucester, Virginia | 2 | $ 282,000 | $ 141,000 | $ 89,000 |
| Henrico, Virginia | 2 | $ 362,000 | $ 181,000 | $ 63,000 |
| New Kent, Virginia | 2 | $ 372,000 | $ 186,000 | $ 83,000 |
| Newport News, Virginia | 2 | $ 228,000 | $ 114,000 | $ 37,000 |
| Norfolk, Virginia | 2 | $ 306,000 | $ 153,000 | $ 35,000 |
| Roanoke, Virginia | 2 | $ 355,000 | $ 177,500 | $ 35,000 |
| Roanoke City, Virginia | 2 | $ 176,000 | $ 88,000 | $ 50,000 |
| Rockingham, Virginia | 2 | $ 288,000 | $ 144,000 | $ 103,000 |
| Shenandoah, Virginia | 2 | $ 213,000 | $ 106,500 | $ 28,000 |
| Suffolk, Virginia | 2 | $ 420,000 | $ 210,000 | $ 110,000 |
| Warren, Virginia | 2 | $ 284,000 | $ 142,000 | $ 85,000 |
| Benton, Washington | 2 | $ 162,000 | $ 81,000 | $ 53,000 |
| Clark, Washington | 2 | $ 395,000 | $ 197,500 | $ 63,000 |
| King, Washington | 2 | $ 1,200,000 | $ 600,000 | $ 37,000 |
| Snohomish, Washington | 2 | $ 321,000 | $ 160,500 | $ 37,000 |
| Morgan, West Virginia | 2 | $ 279,000 | $ 139,500 | $ 74,000 |
| Wood, West Virginia | 2 | $ 214,000 | $ 107,000 | $ 30,000 |
| Fond du Lac, Wisconsin | 2 | $ 288,000 | $ 144,000 | $ 50,000 |
| Lincoln, Wisconsin | 2 | $ 176,000 | $ 88,000 | $ 54,000 |
| Polk, Wisconsin | 2 | $ 286,000 | $ 143,000 | $ 74,000 |
| St. Croix, Wisconsin | 2 | $ 380,000 | $ 190,000 | $ 56,000 |
| Washington, Wisconsin | 2 | $ 341,000 | $ 170,500 | $ 40,000 |
| Autauga, Alabama | 1 | $ 151,000 | $ 151,000 | $ 42,000 |
| Blount, Alabama | 1 | $ 162,000 | $ 162,000 | $ 0 |
| Chambers, Alabama | 1 | $ 60,000 | $ 60,000 | $ 48,000 |
| Chilton, Alabama | 1 | $ 92,000 | $ 92,000 | $ 59,000 |
| Coosa, Alabama | 1 | $ 111,000 | $ 111,000 | $ 63,000 |
| Cullman, Alabama | 1 | $ 170,000 | $ 170,000 | $ 76,000 |
| Elmore, Alabama | 1 | $ 174,000 | $ 174,000 | $ 62,000 |
| Henry, Alabama | 1 | $ 160,000 | $ 160,000 | $ 120,000 |
| Lawrence, Alabama | 1 | $ 157,000 | $ 157,000 | $ 88,000 |
| Marion, Alabama | 1 | $ 111,000 | $ 111,000 | $ 42,000 |
| Montgomery, Alabama | 1 | $ 102,000 | $ 102,000 | $ 50,000 |
| Morgan, Alabama | 1 | $ 80,000 | $ 80,000 | $ 69,000 |
| Russell, Alabama | 1 | $ 117,000 | $ 117,000 | $ 37,000 |
| Shelby, Alabama | 1 | $ 36,000 | $ 36,000 | $ 52,000 |
| St. Clair, Alabama | 1 | $ 72,000 | $ 72,000 | $ 40,000 |
| Tallapoosa, Alabama | 1 | $ 200,000 | $ 200,000 | $ 101,000 |
| Washington, Alabama | 1 | $ 104,000 | $ 104,000 | $ 52,000 |
| Coconino, Arizona | 1 | $ 274,000 | $ 274,000 | $ 79,000 |
| Navajo, Arizona | 1 | $ 177,000 | $ 177,000 | $ 44,000 |
| Pinal, Arizona | 1 | $ 225,000 | $ 225,000 | $ 80,000 |
| Ashley, Arkansas | 1 | $ 123,000 | $ 123,000 | $ 29,000 |
| Carroll, Arkansas | 1 | $ 114,000 | $ 114,000 | $ 78,000 |
| Crawford, Arkansas | 1 | $ 81,000 | $ 81,000 | $ 28,000 |
| Faulkner, Arkansas | 1 | $ 215,000 | $ 215,000 | $ 114,000 |
| Garland, Arkansas | 1 | $ 104,000 | $ 104,000 | $ 61,000 |
| Hot Spring, Arkansas | 1 | $ 100,000 | $ 100,000 | $ 77,000 |
| Newton, Arkansas | 1 | $ 92,000 | $ 92,000 | $ 39,000 |
| Polk, Arkansas | 1 | $ 76,000 | $ 76,000 | $ 53,000 |
| Pulaski, Arkansas | 1 | $ 120,000 | $ 120,000 | $ 97,000 |
| Sevier, Arkansas | 1 | $ 67,000 | $ 67,000 | $ 70,000 |
| Alameda, California | 1 | $ 244,000 | $ 244,000 | $ 49,000 |
| El Dorado, California | 1 | $ 301,000 | $ 301,000 | $ 82,000 |
| Humboldt, California | 1 | $ 135,000 | $ 135,000 | $ 72,000 |
| Imperial, California | 1 | $ 152,000 | $ 152,000 | $ 62,000 |
| Marin, California | 1 | $ 114,000 | $ 114,000 | $ 120,000 |
| Merced, California | 1 | $ 170,000 | $ 170,000 | $ 84,000 |
| Napa, California | 1 | $ 84,000 | $ 84,000 | $ 28,000 |
| Orange, California | 1 | $ 234,000 | $ 234,000 | $ 115,000 |
| San Francisco, California | 1 | $ 222,000 | $ 222,000 | $ 0 |
| Shasta, California | 1 | $ 269,000 | $ 269,000 | $ 104,000 |
| Tulare, California | 1 | $ 105,000 | $ 105,000 | $ 45,000 |
| Adams, Colorado | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Arapahoe, Colorado | 1 | $ 228,000 | $ 228,000 | $ 80,000 |
| Boulder, Colorado | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Garfield, Colorado | 1 | $ 170,000 | $ 170,000 | $ 39,000 |
| La Plata, Colorado | 1 | $ 165,000 | $ 165,000 | $ 92,000 |
| Moffat, Colorado | 1 | $ 188,000 | $ 188,000 | $ 108,000 |
| Park, Colorado | 1 | $ 206,000 | $ 206,000 | $ 125,000 |
| Charlotte, Florida | 1 | $ 99,000 | $ 99,000 | $ 28,000 |
| Citrus, Florida | 1 | $ 143,000 | $ 143,000 | $ 83,000 |
| Collier, Florida | 1 | $ 235,000 | $ 235,000 | $ 19,000 |
| DeSoto, Florida | 1 | $ 133,000 | $ 133,000 | $ 43,000 |
| Indian River, Florida | 1 | $ 92,000 | $ 92,000 | $ 0 |
| Leon, Florida | 1 | $ 112,000 | $ 112,000 | $ 79,000 |
| Manatee, Florida | 1 | $ 247,000 | $ 247,000 | $ 38,000 |
| Martin, Florida | 1 | $ 55,000 | $ 55,000 | $ 75,000 |
| Okaloosa, Florida | 1 | $ 239,000 | $ 239,000 | $ 0 |
| Okeechobee, Florida | 1 | $ 100,000 | $ 100,000 | $ 72,000 |
| Osceola, Florida | 1 | $ 280,000 | $ 280,000 | $ 98,000 |
| Pasco, Florida | 1 | $ 248,000 | $ 248,000 | $ 144,000 |
| St. Johns, Florida | 1 | $ 174,000 | $ 174,000 | $ 96,000 |
| Calhoun, Georgia | 1 | $ 91,000 | $ 91,000 | $ 43,000 |
| Camden, Georgia | 1 | $ 116,000 | $ 116,000 | $ 76,000 |
| Candler, Georgia | 1 | $ 75,000 | $ 75,000 | $ 19,000 |
| Coweta, Georgia | 1 | $ 123,000 | $ 123,000 | $ 47,000 |
| Dade, Georgia | 1 | $ 112,000 | $ 112,000 | $ 46,000 |
| Dooly, Georgia | 1 | $ 363,000 | $ 363,000 | $ 192,000 |
| Dougherty, Georgia | 1 | $ 152,000 | $ 152,000 | $ 53,000 |
| Effingham, Georgia | 1 | $ 75,000 | $ 75,000 | $ 40,000 |
| Fannin, Georgia | 1 | $ 319,000 | $ 319,000 | $ 84,000 |
Mortgage Loan Application Detail Totals for Ratestar, Inc. 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 |
|---|---|---|---|---|---|---|
| Refinancing | 2,303 | $362,964,000 | $159,180 | $860,000 | $63,320 | $1,184,000 |
| Home Purchase | 99 | $15,746,000 | $172,833 | $600,000 | $89,083 | $569,000 |
| Home Improvement | 2 | $205,000 | $102,500 | $150,000 | $156,500 | $250,000 |
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 | 1,484 | $222,849,000 | $156,469 | $813,000 | $66,959 | $1,184,000 |
| Not Provided | 729 | $124,902,000 | $168,622 | $860,000 | $62,400 | $883,000 |
| Black or African American | 129 | $20,389,000 | $151,136 | $563,000 | $61,318 | $233,000 |
| Hispanic | 30 | $5,391,000 | $171,153 | $375,000 | $65,384 | $323,000 |
| Asian | 24 | $4,087,000 | $171,714 | $320,000 | $98,000 | $696,000 |
| American Indian or Alaskan Native | 5 | $548,000 | $109,600 | $150,000 | $46,800 | $60,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $749,000 | $249,666 | $270,000 | $95,666 | $125,000 |
| 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) | 2,404 | $378,915,000 | $159,680 | $860,000 | $64,220 | $1,184,000 |
| 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 | 1,076 | $164,912,000 | $152,355 | $860,000 | $68,311 | $509,000 |
| Application Withdrawn By Applicant | 762 | $127,416,000 | $168,133 | $640,000 | $65,711 | $883,000 |
| Application Denied By Financial Institution | 487 | $73,622,000 | $154,916 | $700,000 | $50,541 | $696,000 |
| Application Approved But Not Accepted | 71 | $11,560,000 | $146,615 | $548,000 | $85,307 | $384,000 |
| File Closed For Incompleteness | 8 | $1,405,000 | $186,285 | $449,000 | $152,571 | $1,184,000 |
| 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 | 229 | $35,546,000 | $149,073 | $638,000 | $47,731 | $202,000 |
| Collateral | 167 | $24,040,000 | $153,216 | $700,000 | $56,972 | $696,000 |
| Debt-To-Income Ratio | 51 | $8,317,000 | $157,925 | $400,000 | $67,074 | $622,000 |
| Other | 19 | $3,229,000 | $180,500 | $334,000 | $56,785 | $154,000 |
| Employment History | 13 | $1,703,000 | $135,600 | $204,000 | $51,600 | $96,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $533,000 | $91,400 | $131,000 | $50,800 | $79,000 |
| Unverifiable Information | 2 | $254,000 | $127,000 | $130,000 | $45,500 | $53,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ratestar, Inc.'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 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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