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Act (HMDA) records Ratestar, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cincinnati-Middletown, OH-KY-IN | 145 | $ 17,041,000 | $ 117,524 | $ 49,000 |
| Atlanta-Sandy Springs-Marietta, GA | 140 | $ 22,716,000 | $ 162,257 | $ 65,000 |
| Chicago-Naperville-Joliet, IL | 131 | $ 26,248,000 | $ 200,366 | $ 90,000 |
| Edison, NJ | 63 | $ 15,985,000 | $ 253,730 | $ 69,000 |
| Phoenix-Mesa-Scottsdale, AZ | 60 | $ 12,818,000 | $ 213,633 | $ 78,000 |
| Philadelphia, PA | 58 | $ 11,714,000 | $ 201,965 | $ 91,000 |
| New York-Wayne-White Plains, NY-NJ | 53 | $ 15,499,000 | $ 292,433 | $ 102,000 |
| Baltimore-Towson, MD | 52 | $ 11,088,000 | $ 213,230 | $ 62,000 |
| Charlotte-Gastonia-Concord, NC-SC | 52 | $ 7,372,000 | $ 141,769 | $ 69,000 |
| Newark-Union, NJ-PA | 49 | $ 13,033,000 | $ 265,979 | $ 81,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 48 | $ 8,635,000 | $ 179,895 | $ 65,000 |
| Columbus, OH | 45 | $ 6,843,000 | $ 152,066 | $ 72,000 |
| Orlando, FL | 41 | $ 6,723,000 | $ 163,975 | $ 60,000 |
| Camden, NJ | 40 | $ 8,946,000 | $ 223,650 | $ 79,000 |
| Nassau-Suffolk, NY | 40 | $ 13,001,000 | $ 325,025 | $ 89,000 |
| Nashville-Davidson--Murfreesboro, TN | 38 | $ 6,026,000 | $ 158,578 | $ 75,000 |
| St. Louis, MO-IL | 34 | $ 5,340,000 | $ 157,058 | $ 63,000 |
| Warren-Farmington Hills-Troy, MI | 34 | $ 5,982,000 | $ 175,941 | $ 81,000 |
| Wilmington, DE-MD-NJ | 33 | $ 5,331,000 | $ 161,545 | $ 94,000 |
| Indianapolis, IN | 32 | $ 4,552,000 | $ 142,250 | $ 68,000 |
| Raleigh-Cary, NC | 32 | $ 6,134,000 | $ 191,687 | $ 70,000 |
| Portland-South Portland-Biddeford, ME | 30 | $ 6,119,000 | $ 203,966 | $ 62,000 |
| Tampa-St. Petersburg-Clearwater, FL | 30 | $ 5,885,000 | $ 196,166 | $ 58,000 |
| Cleveland-Elyria-Mentor, OH | 26 | $ 4,333,000 | $ 166,653 | $ 78,000 |
| Dayton, OH | 25 | $ 3,090,000 | $ 123,600 | $ 65,000 |
| Bethesda-Frederick-Gaithersburg, MD | 23 | $ 5,530,000 | $ 240,434 | $ 104,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 23 | $ 3,993,000 | $ 173,608 | $ 53,000 |
| Las Vegas-Paradise, NV | 22 | $ 4,078,000 | $ 185,363 | $ 64,000 |
| Boston-Quincy, MA | 21 | $ 5,080,000 | $ 241,904 | $ 66,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 21 | $ 3,973,000 | $ 189,190 | $ 84,000 |
| Burlington-South Burlington, VT | 20 | $ 3,431,000 | $ 171,550 | $ 66,000 |
| Worcester, MA | 20 | $ 3,683,000 | $ 184,150 | $ 89,000 |
| Richmond, VA | 19 | $ 3,375,000 | $ 177,631 | $ 55,000 |
| Cambridge-Newton-Framingham, MA | 18 | $ 6,759,000 | $ 375,500 | $ 55,000 |
| Denver-Aurora, CO | 18 | $ 4,224,000 | $ 234,666 | $ 70,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 18 | $ 3,531,000 | $ 196,166 | $ 57,000 |
| Knoxville, TN | 18 | $ 2,424,000 | $ 134,666 | $ 70,000 |
| Rockingham County-Strafford County, NH | 18 | $ 3,284,000 | $ 182,444 | $ 86,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 18 | $ 4,095,000 | $ 227,500 | $ 80,000 |
| Akron, OH | 17 | $ 2,552,000 | $ 150,117 | $ 60,000 |
| Birmingham-Hoover, AL | 17 | $ 2,823,000 | $ 166,058 | $ 99,000 |
| Portland-Vancouver-Beaverton, OR-WA | 17 | $ 3,348,000 | $ 196,941 | $ 83,000 |
| Detroit-Livonia-Dearborn, MI | 16 | $ 2,245,000 | $ 140,312 | $ 63,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 16 | $ 3,451,000 | $ 215,687 | $ 73,000 |
| Harrisburg-Carlisle, PA | 15 | $ 1,504,000 | $ 100,266 | $ 72,000 |
| Lake County-Kenosha County, IL-WI | 15 | $ 2,910,000 | $ 194,000 | $ 106,000 |
| New Orleans-Metairie-Kenner, LA | 15 | $ 2,802,000 | $ 186,800 | $ 67,000 |
| Pittsburgh, PA | 15 | $ 2,229,000 | $ 148,600 | $ 59,000 |
| Wilmington, NC | 15 | $ 3,361,000 | $ 224,066 | $ 63,000 |
| Bridgeport-Stamford-Norwalk, CT | 14 | $ 3,253,000 | $ 232,357 | $ 72,000 |
| Cape Coral-Fort Myers, FL | 14 | $ 3,554,000 | $ 253,857 | $ 116,000 |
| Charleston-North Charleston, SC | 14 | $ 2,320,000 | $ 165,714 | $ 52,000 |
| Sarasota-Bradenton-Venice, FL | 14 | $ 3,365,000 | $ 240,357 | $ 78,000 |
| Springfield, MA | 14 | $ 1,711,000 | $ 122,214 | $ 57,000 |
| Winston-Salem, NC | 14 | $ 1,573,000 | $ 112,357 | $ 54,000 |
| Milwaukee-Waukesha-West Allis, WI | 13 | $ 1,739,000 | $ 133,769 | $ 67,000 |
| New Haven-Milford, CT | 13 | $ 2,151,000 | $ 165,461 | $ 89,000 |
| Providence-New Bedford-Fall River, RI-MA | 13 | $ 2,258,000 | $ 173,692 | $ 88,000 |
| Asheville, NC | 12 | $ 1,943,000 | $ 161,916 | $ 67,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 12 | $ 2,479,000 | $ 206,583 | $ 65,000 |
| Essex County, MA | 12 | $ 3,023,000 | $ 251,916 | $ 59,000 |
| Greenville, SC | 12 | $ 1,467,000 | $ 122,250 | $ 54,000 |
| Hartford-West Hartford-East Hartford, CT | 12 | $ 2,320,000 | $ 193,333 | $ 66,000 |
| Memphis, TN-MS-AR | 12 | $ 2,196,000 | $ 183,000 | $ 83,000 |
| Miami-Miami Beach-Kendall, FL | 12 | $ 2,522,000 | $ 210,166 | $ 76,000 |
| Youngstown-Warren-Boardman, OH-PA | 12 | $ 1,669,000 | $ 139,083 | $ 81,000 |
| Boise City-Nampa, ID | 11 | $ 2,428,000 | $ 220,727 | $ 73,000 |
| Durham, NC | 11 | $ 1,897,000 | $ 172,454 | $ 78,000 |
| Jacksonville, FL | 11 | $ 2,340,000 | $ 212,727 | $ 70,000 |
| Manchester-Nashua, NH | 11 | $ 2,104,000 | $ 191,272 | $ 65,000 |
| Pensacola-Ferry Pass-Brent, FL | 11 | $ 1,368,000 | $ 124,363 | $ 59,000 |
| Scranton--Wilkes-Barre, PA | 11 | $ 1,343,000 | $ 122,090 | $ 85,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 10 | $ 1,601,000 | $ 160,100 | $ 42,000 |
| Columbia, SC | 10 | $ 1,532,000 | $ 153,200 | $ 58,000 |
| Hickory-Lenoir-Morganton, NC | 10 | $ 1,197,000 | $ 119,700 | $ 52,000 |
| Peoria, IL | 10 | $ 1,873,000 | $ 187,300 | $ 118,000 |
| Toledo, OH | 10 | $ 1,570,000 | $ 157,000 | $ 100,000 |
| Tulsa, OK | 10 | $ 1,496,000 | $ 149,600 | $ 99,000 |
| York-Hanover, PA | 10 | $ 1,248,000 | $ 124,800 | $ 57,000 |
| Albuquerque, NM | 9 | $ 1,648,000 | $ 183,111 | $ 51,000 |
| Chattanooga, TN-GA | 9 | $ 1,554,000 | $ 172,666 | $ 66,000 |
| Jackson, MS | 9 | $ 1,294,000 | $ 143,777 | $ 65,000 |
| Lexington-Fayette, KY | 9 | $ 1,497,000 | $ 166,333 | $ 73,000 |
| Montgomery, AL | 9 | $ 988,000 | $ 109,777 | $ 58,000 |
| Tucson, AZ | 9 | $ 1,719,000 | $ 191,000 | $ 87,000 |
| Baton Rouge, LA | 8 | $ 1,222,000 | $ 152,750 | $ 104,000 |
| Decatur, AL | 8 | $ 1,069,000 | $ 133,625 | $ 81,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 8 | $ 1,355,000 | $ 169,375 | $ 62,000 |
| Greensboro-High Point, NC | 8 | $ 1,425,000 | $ 178,125 | $ 95,000 |
| Kalamazoo-Portage, MI | 8 | $ 1,120,000 | $ 140,000 | $ 73,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 8 | $ 1,249,000 | $ 156,125 | $ 115,000 |
| Ocala, FL | 8 | $ 816,000 | $ 102,000 | $ 73,000 |
| Port St. Lucie-Fort Pierce, FL | 8 | $ 1,995,000 | $ 249,375 | $ 54,000 |
| Salt Lake City, UT | 8 | $ 2,541,000 | $ 317,625 | $ 180,000 |
| Trenton-Ewing, NJ | 8 | $ 1,684,000 | $ 210,500 | $ 49,000 |
| Winchester, VA-WV | 8 | $ 1,776,000 | $ 222,000 | $ 73,000 |
| Atlantic City, NJ | 7 | $ 1,223,000 | $ 174,714 | $ 83,000 |
| Dover, DE | 7 | $ 1,227,000 | $ 175,285 | $ 56,000 |
| Fayetteville, NC | 7 | $ 905,000 | $ 129,285 | $ 52,000 |
| Green Bay, WI | 7 | $ 970,000 | $ 138,571 | $ 36,000 |
| Hagerstown-Martinsburg, MD-WV | 7 | $ 1,367,000 | $ 195,285 | $ 70,000 |
| Huntsville, AL | 7 | $ 1,011,000 | $ 144,428 | $ 79,000 |
| Kansas City, MO-KS | 7 | $ 1,621,000 | $ 231,571 | $ 74,000 |
| Lewiston-Auburn, ME | 7 | $ 1,084,000 | $ 154,857 | $ 59,000 |
| Little Rock-North Little Rock, AR | 7 | $ 1,260,000 | $ 180,000 | $ 45,000 |
| Omaha-Council Bluffs, NE-IA | 7 | $ 1,377,000 | $ 196,714 | $ 62,000 |
| Panama City-Lynn Haven, FL | 7 | $ 705,000 | $ 100,714 | $ 62,000 |
| Savannah, GA | 7 | $ 1,363,000 | $ 194,714 | $ 67,000 |
| Seattle-Bellevue-Everett, WA | 7 | $ 1,415,000 | $ 202,142 | $ 109,000 |
| Vineland-Millville-Bridgeton, NJ | 7 | $ 1,425,000 | $ 203,571 | $ 107,000 |
| Albany-Schenectady-Troy, NY | 6 | $ 1,063,000 | $ 177,166 | $ 76,000 |
| Buffalo-Niagara Falls, NY | 6 | $ 760,000 | $ 126,666 | $ 106,000 |
| Colorado Springs, CO | 6 | $ 906,000 | $ 151,000 | $ 73,000 |
| Flint, MI | 6 | $ 870,000 | $ 145,000 | $ 64,000 |
| Gary, IN | 6 | $ 921,000 | $ 153,500 | $ 86,000 |
| Lakeland, FL | 6 | $ 1,122,000 | $ 187,000 | $ 76,000 |
| Lansing-East Lansing, MI | 6 | $ 1,007,000 | $ 167,833 | $ 66,000 |
| Louisville, KY-IN | 6 | $ 978,000 | $ 163,000 | $ 71,000 |
| Lynchburg, VA | 6 | $ 837,000 | $ 139,500 | $ 57,000 |
| Naples-Marco Island, FL | 6 | $ 1,172,000 | $ 195,333 | $ 112,000 |
| Norwich-New London, CT | 6 | $ 1,086,000 | $ 181,000 | $ 85,000 |
| Prescott, AZ | 6 | $ 876,000 | $ 146,000 | $ 94,000 |
| Reading, PA | 6 | $ 1,306,000 | $ 217,666 | $ 122,000 |
| Reno-Sparks, NV | 6 | $ 1,726,000 | $ 287,666 | $ 54,000 |
| Syracuse, NY | 6 | $ 889,000 | $ 148,166 | $ 105,000 |
| Utica-Rome, NY | 6 | $ 445,000 | $ 74,166 | $ 69,000 |
| Bangor, ME | 5 | $ 560,000 | $ 112,000 | $ 39,000 |
| Barnstable Town, MA | 5 | $ 1,314,000 | $ 262,800 | $ 93,000 |
| Battle Creek, MI | 5 | $ 883,000 | $ 176,600 | $ 110,000 |
| Charleston, WV | 5 | $ 754,000 | $ 150,800 | $ 84,000 |
| Des Moines, IA | 5 | $ 616,000 | $ 123,200 | $ 68,000 |
| Evansville, IN-KY | 5 | $ 1,130,000 | $ 226,000 | $ 93,000 |
| Gainesville, GA | 5 | $ 801,000 | $ 160,200 | $ 64,000 |
| Glens Falls, NY | 5 | $ 531,000 | $ 106,200 | $ 84,000 |
| Holland-Grand Haven, MI | 5 | $ 664,000 | $ 132,800 | $ 45,000 |
| Madison, WI | 5 | $ 621,000 | $ 124,200 | $ 42,000 |
| Monroe, MI | 5 | $ 941,000 | $ 188,200 | $ 74,000 |
| Pascagoula, MS | 5 | $ 313,000 | $ 62,600 | $ 38,000 |
| Rockford, IL | 5 | $ 731,000 | $ 146,200 | $ 64,000 |
| South Bend-Mishawaka, IN-MI | 5 | $ 937,000 | $ 187,400 | $ 89,000 |
| Springfield, IL | 5 | $ 502,000 | $ 100,400 | $ 74,000 |
| Albany, GA | 4 | $ 324,000 | $ 81,000 | $ 75,000 |
| Auburn-Opelika, AL | 4 | $ 491,000 | $ 122,750 | $ 68,000 |
| Augusta-Richmond County, GA-SC | 4 | $ 1,936,000 | $ 484,000 | $ 166,000 |
| Bloomington-Normal, IL | 4 | $ 861,000 | $ 215,250 | $ 61,000 |
| Cedar Rapids, IA | 4 | $ 504,000 | $ 126,000 | $ 83,000 |
| Erie, PA | 4 | $ 510,000 | $ 127,500 | $ 63,000 |
| Gainesville, FL | 4 | $ 654,000 | $ 163,500 | $ 68,000 |
| Grand Rapids-Wyoming, MI | 4 | $ 490,000 | $ 122,500 | $ 73,000 |
| Hot Springs, AR | 4 | $ 559,000 | $ 139,750 | $ 62,000 |
| Houma-Bayou Cane-Thibodaux, LA | 4 | $ 860,000 | $ 215,000 | $ 89,000 |
| Jonesboro, AR | 4 | $ 706,000 | $ 176,500 | $ 76,000 |
| Mobile, AL | 4 | $ 457,000 | $ 114,250 | $ 52,000 |
| Ogden-Clearfield, UT | 4 | $ 497,000 | $ 124,250 | $ 50,000 |
| Palm Bay-Melbourne-Titusville, FL | 4 | $ 1,063,000 | $ 265,750 | $ 131,000 |
| Racine, WI | 4 | $ 724,000 | $ 181,000 | $ 79,000 |
| Rochester, NY | 4 | $ 368,000 | $ 92,000 | $ 108,000 |
| Shreveport-Bossier City, LA | 4 | $ 682,000 | $ 170,500 | $ 58,000 |
| Spokane, WA | 4 | $ 492,000 | $ 123,000 | $ 57,000 |
| State College, PA | 4 | $ 440,000 | $ 110,000 | $ 92,000 |
| Tacoma, WA | 4 | $ 647,000 | $ 161,750 | $ 132,000 |
| Athens-Clarke County, GA | 3 | $ 490,000 | $ 163,333 | $ 63,000 |
| Boulder, CO | 3 | $ 521,000 | $ 173,666 | $ 81,000 |
| Burlington, NC | 3 | $ 561,000 | $ 187,000 | $ 76,000 |
| Columbus, IN | 3 | $ 564,000 | $ 188,000 | $ 91,000 |
| Dothan, AL | 3 | $ 877,000 | $ 292,333 | $ 133,000 |
| Elmira, NY | 3 | $ 409,000 | $ 136,333 | $ 49,000 |
| Eugene-Springfield, OR | 3 | $ 597,000 | $ 199,000 | $ 90,000 |
| Fond Du Lac, WI | 3 | $ 463,000 | $ 154,333 | $ 80,000 |
| Fort Smith, AR-OK | 3 | $ 655,000 | $ 218,333 | $ 62,000 |
| Harrisonburg, VA | 3 | $ 546,000 | $ 182,000 | $ 135,000 |
| Jackson, MI | 3 | $ 529,000 | $ 176,333 | $ 54,000 |
| Lafayette, LA | 3 | $ 568,000 | $ 189,333 | $ 85,000 |
| Lake Charles, LA | 3 | $ 479,000 | $ 159,666 | $ 85,000 |
| Lancaster, PA | 3 | $ 386,000 | $ 128,666 | $ 88,000 |
| Lincoln, NE | 3 | $ 512,000 | $ 170,666 | $ 74,000 |
| Morgantown, WV | 3 | $ 511,000 | $ 170,333 | $ 62,000 |
| Niles-Benton Harbor, MI | 3 | $ 551,000 | $ 183,666 | $ 90,000 |
| Roanoke, VA | 3 | $ 443,000 | $ 147,666 | $ 104,000 |
| Rocky Mount, NC | 3 | $ 319,000 | $ 106,333 | $ 55,000 |
| Saginaw-Saginaw Township North, MI | 3 | $ 663,000 | $ 221,000 | $ 101,000 |
| San Diego-Carlsbad-San Marcos, CA | 3 | $ 660,000 | $ 220,000 | $ 67,000 |
| Springfield, MO | 3 | $ 354,000 | $ 118,000 | $ 24,000 |
| Sumter, SC | 3 | $ 371,000 | $ 123,666 | $ 55,000 |
| Warner Robins, GA | 3 | $ 503,000 | $ 167,666 | $ 49,000 |
| Waterloo-Cedar Falls, IA | 3 | $ 234,000 | $ 78,000 | $ 80,000 |
| Wausau, WI | 3 | $ 694,000 | $ 231,333 | $ 78,000 |
| Wichita, KS | 3 | $ 461,000 | $ 153,666 | $ 34,000 |
| Alexandria, LA | 2 | $ 325,000 | $ 162,500 | $ 76,000 |
| Anderson, SC | 2 | $ 224,000 | $ 112,000 | $ 109,000 |
| Bellingham, WA | 2 | $ 225,000 | $ 112,500 | $ 48,000 |
| Binghamton, NY | 2 | $ 131,000 | $ 65,500 | $ 47,000 |
| Bismarck, ND | 2 | $ 223,000 | $ 111,500 | $ 81,000 |
| Bowling Green, KY | 2 | $ 714,000 | $ 357,000 | $ 183,000 |
| Bremerton-Silverdale, WA | 2 | $ 376,000 | $ 188,000 | $ 67,000 |
| Brunswick, GA | 2 | $ 453,000 | $ 226,500 | $ 94,000 |
| Canton-Massillon, OH | 2 | $ 248,000 | $ 124,000 | $ 92,000 |
| Champaign-Urbana, IL | 2 | $ 317,000 | $ 158,500 | $ 48,000 |
| Cleveland, TN | 2 | $ 186,000 | $ 93,000 | $ 54,000 |
| Columbus, GA-AL | 2 | $ 428,000 | $ 214,000 | $ 71,000 |
| Dubuque, IA | 2 | $ 161,000 | $ 80,500 | $ 48,000 |
| Duluth, MN-WI | 2 | $ 408,000 | $ 204,000 | $ 74,000 |
| Florence, SC | 2 | $ 283,000 | $ 141,500 | $ 50,000 |
| Fort Collins-Loveland, CO | 2 | $ 362,000 | $ 181,000 | $ 71,000 |
| Fort Walton Beach-Crestview-Destin, FL | 2 | $ 424,000 | $ 212,000 | $ 51,000 |
| Grand Junction, CO | 2 | $ 359,000 | $ 179,500 | $ 42,000 |
| Gulfport-Biloxi, MS | 2 | $ 215,000 | $ 107,500 | $ 169,000 |
| Huntington-Ashland, WV-KY-OH | 2 | $ 195,000 | $ 97,500 | $ 71,000 |
| Johnson City, TN | 2 | $ 294,000 | $ 147,000 | $ 57,000 |
| Joplin, MO | 2 | $ 237,000 | $ 118,500 | $ 56,000 |
| Kankakee-Bradley, IL | 2 | $ 157,000 | $ 78,500 | $ 50,000 |
| Kokomo, IN | 2 | $ 334,000 | $ 167,000 | $ 69,000 |
| Monroe, LA | 2 | $ 207,000 | $ 103,500 | $ 81,000 |
| Morristown, TN | 2 | $ 256,000 | $ 128,000 | $ 60,000 |
| Mount Vernon-Anacortes, WA | 2 | $ 346,000 | $ 173,000 | $ 53,000 |
| Muskegon-Norton Shores, MI | 2 | $ 423,000 | $ 211,500 | $ 52,000 |
| Ocean City, NJ | 2 | $ 568,000 | $ 284,000 | $ 134,000 |
| Oklahoma City, OK | 2 | $ 335,000 | $ 167,500 | $ 88,000 |
| Pine Bluff, AR | 2 | $ 257,000 | $ 128,500 | $ 73,000 |
| Provo-Orem, UT | 2 | $ 835,000 | $ 417,500 | $ 85,000 |
| Punta Gorda, FL | 2 | $ 300,000 | $ 150,000 | $ 26,000 |
| Salem, OR | 2 | $ 387,000 | $ 193,500 | $ 85,000 |
| Sandusky, OH | 2 | $ 622,000 | $ 311,000 | $ 140,000 |
| Santa Ana-Anaheim-Irvine, CA | 2 | $ 128,000 | $ 64,000 | $ 150,000 |
| Santa Fe, NM | 2 | $ 361,000 | $ 180,500 | $ 105,000 |
| Sioux City, IA-NE-SD | 2 | $ 311,000 | $ 155,500 | $ 58,000 |
| Springfield, OH | 2 | $ 233,000 | $ 116,500 | $ 37,000 |
| Topeka, KS | 2 | $ 207,000 | $ 103,500 | $ 32,000 |
| Wheeling, WV-OH | 2 | $ 170,000 | $ 85,000 | $ 65,000 |
| Williamsport, PA | 2 | $ 180,000 | $ 90,000 | $ 31,000 |
| Ann Arbor, MI | 1 | $ 235,000 | $ 235,000 | $ 112,000 |
| Billings, MT | 1 | $ 25,000 | $ 25,000 | $ 137,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 187,000 | $ 187,000 | $ 87,000 |
| Bloomington, IN | 1 | $ 131,000 | $ 131,000 | $ 28,000 |
| Carson City, NV | 1 | $ 190,000 | $ 190,000 | $ 76,000 |
| Charlottesville, VA | 1 | $ 70,000 | $ 70,000 | $ 29,000 |
| Clarksville, TN-KY | 1 | $ 30,000 | $ 30,000 | $ 58,000 |
| Coeur D'Alene, ID | 1 | $ 386,000 | $ 386,000 | $ 0 |
| Dalton, GA | 1 | $ 122,000 | $ 122,000 | $ 68,000 |
| Elkhart-Goshen, IN | 1 | $ 150,000 | $ 150,000 | $ 52,000 |
| Fargo, ND-MN | 1 | $ 140,000 | $ 140,000 | $ 48,000 |
| Fort Wayne, IN | 1 | $ 30,000 | $ 30,000 | $ 51,000 |
| Greenville, NC | 1 | $ 151,000 | $ 151,000 | $ 57,000 |
| Idaho Falls, ID | 1 | $ 139,000 | $ 139,000 | $ 33,000 |
| Iowa City, IA | 1 | $ 157,000 | $ 157,000 | $ 112,000 |
| Jacksonville, NC | 1 | $ 125,000 | $ 125,000 | $ 44,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 38,000 | $ 38,000 | $ 70,000 |
| Kingston, NY | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Lafayette, IN | 1 | $ 204,000 | $ 204,000 | $ 137,000 |
| Las Cruces, NM | 1 | $ 285,000 | $ 285,000 | $ 60,000 |
| Lawrence, KS | 1 | $ 78,000 | $ 78,000 | $ 24,000 |
| Lebanon, PA | 1 | $ 109,000 | $ 109,000 | $ 57,000 |
| Mansfield, OH | 1 | $ 201,000 | $ 201,000 | $ 65,000 |
| Michigan City-La Porte, IN | 1 | $ 122,000 | $ 122,000 | $ 94,000 |
| Modesto, CA | 1 | $ 288,000 | $ 288,000 | $ 65,000 |
| Olympia, WA | 1 | $ 240,000 | $ 240,000 | $ 70,000 |
| Oshkosh-Neenah, WI | 1 | $ 265,000 | $ 265,000 | $ 111,000 |
| Owensboro, KY | 1 | $ 134,000 | $ 134,000 | $ 56,000 |
| Parkersburg-Marietta, WV-OH | 1 | $ 193,000 | $ 193,000 | $ 74,000 |
| Pittsfield, MA | 1 | $ 179,000 | $ 179,000 | $ 76,000 |
| Salisbury, MD | 1 | $ 189,000 | $ 189,000 | $ 90,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 300,000 | $ 300,000 | $ 77,000 |
| Spartanburg, SC | 1 | $ 167,000 | $ 167,000 | $ 80,000 |
| St. Cloud, MN | 1 | $ 156,000 | $ 156,000 | $ 36,000 |
| Tallahassee, FL | 1 | $ 215,000 | $ 215,000 | $ 35,000 |
| Tuscaloosa, AL | 1 | $ 113,000 | $ 113,000 | $ 27,000 |
| Valdosta, GA | 1 | $ 260,000 | $ 260,000 | $ 0 |
| Vallejo-Fairfield, CA | 1 | $ 354,000 | $ 354,000 | $ 63,000 |
| Weirton-Steubenville, WV-OH | 1 | $ 35,000 | $ 35,000 | $ 77,000 |
| Yakima, WA | 1 | $ 134,000 | $ 134,000 | $ 36,000 |
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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