Ratestar, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Ratestar, Inc. 2004 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | $162,000 |
| Highest Mortgage Loan Application Amount | $860,000 |
| Average Applicant Income | $73,907 |
| Highest Applicant Income | $1,184,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Ratestar, Inc.. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Ratestar, Inc.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Ratestar, Inc.'s mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Ratestar, Inc. serves its applicants.
Each category highlights the total number of mortgage applications processed by Ratestar, Inc., total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Ratestar, Inc.'s mortgage activity for 2004.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| ATLANTA-SANDY SPRINGS-MARIETTA, GA | 93 | $ 13,534,000 | $ 145,000 | $ 59,000 |
| EDISON, NJ | 73 | $ 13,426,000 | $ 183,000 | $ 64,000 |
| CINCINNATI-MIDDLETOWN, OH-KY-IN | 71 | $ 8,378,000 | $ 118,000 | $ 45,000 |
| NEW YORK-WAYNE-WHITE PLAINS, NY-NJ | 53 | $ 13,469,000 | $ 254,000 | $ 70,000 |
| CHICAGO-NAPERVILLE-JOLIET, IL | 46 | $ 7,344,000 | $ 159,000 | $ 61,000 |
| NASSAU-SUFFOLK, NY | 43 | $ 9,473,000 | $ 220,000 | $ 84,000 |
| NEWARK-UNION, NJ-PA | 36 | $ 7,996,000 | $ 222,000 | $ 87,000 |
| PHILADELPHIA, PA | 36 | $ 5,961,000 | $ 165,000 | $ 70,000 |
| BALTIMORE-TOWSON, MD | 32 | $ 5,127,000 | $ 160,000 | $ 64,000 |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 32 | $ 5,103,000 | $ 159,000 | $ 58,000 |
| CAMDEN, NJ | 30 | $ 4,657,000 | $ 155,000 | $ 75,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 28 | $ 4,318,000 | $ 154,000 | $ 76,000 |
| PORTLAND-SOUTH PORTLAND-BIDDEFORD, ME | 24 | $ 4,701,000 | $ 195,000 | $ 105,000 |
| CAMBRIDGE-NEWTON-FRAMINGHAM, MA | 23 | $ 4,885,000 | $ 212,000 | $ 72,000 |
| BETHESDA-FREDERICK-GAITHERSBURG, MD | 22 | $ 5,425,000 | $ 246,000 | $ 101,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 22 | $ 4,183,000 | $ 190,000 | $ 71,000 |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 22 | $ 5,717,000 | $ 259,000 | $ 113,000 |
| ALBANY-SCHENECTADY-TROY, NY | 20 | $ 2,684,000 | $ 134,000 | $ 64,000 |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 20 | $ 3,029,000 | $ 151,000 | $ 122,000 |
| BOSTON-QUINCY, MA | 19 | $ 4,543,000 | $ 239,000 | $ 62,000 |
| RICHMOND, VA | 19 | $ 2,720,000 | $ 143,000 | $ 55,000 |
| MILWAUKEE-WAUKESHA-WEST ALLIS, WI | 18 | $ 2,899,000 | $ 161,000 | $ 66,000 |
| KANSAS CITY, MO-KS | 17 | $ 1,830,000 | $ 107,000 | $ 68,000 |
| ORLANDO, FL | 17 | $ 2,554,000 | $ 150,000 | $ 63,000 |
| PITTSBURGH, PA | 17 | $ 1,831,000 | $ 107,000 | $ 51,000 |
| ST. LOUIS, MO-IL | 16 | $ 2,693,000 | $ 168,000 | $ 57,000 |
| WORCESTER, MA | 16 | $ 3,045,000 | $ 190,000 | $ 43,000 |
| BUFFALO-NIAGARA FALLS, NY | 15 | $ 1,395,000 | $ 93,000 | $ 51,000 |
| CHARLOTTE-GASTONIA-CONCORD, NC-SC | 15 | $ 2,122,000 | $ 141,000 | $ 47,000 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 15 | $ 2,216,000 | $ 147,000 | $ 57,000 |
| RALEIGH-CARY, NC | 15 | $ 2,671,000 | $ 178,000 | $ 53,000 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 15 | $ 2,352,000 | $ 156,000 | $ 87,000 |
| ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH | 15 | $ 3,123,000 | $ 208,000 | $ 76,000 |
| WARREN-FARMINGTON HILLS-TROY, MI | 15 | $ 2,278,000 | $ 151,000 | $ 153,000 |
| PHOENIX-MESA-SCOTTSDALE, AZ | 14 | $ 2,189,000 | $ 156,000 | $ 72,000 |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY | 14 | $ 2,018,000 | $ 144,000 | $ 49,000 |
| SYRACUSE, NY | 14 | $ 1,821,000 | $ 130,000 | $ 73,000 |
| DAYTON, OH | 13 | $ 1,068,000 | $ 82,000 | $ 56,000 |
| MANCHESTER-NASHUA, NH | 13 | $ 2,723,000 | $ 209,000 | $ 72,000 |
| NEW ORLEANS-METAIRIE-KENNER, LA | 13 | $ 2,369,000 | $ 182,000 | $ 75,000 |
| ROCHESTER, NY | 13 | $ 1,236,000 | $ 95,000 | $ 55,000 |
| INDIANAPOLIS, IN | 12 | $ 1,929,000 | $ 160,000 | $ 45,000 |
| ESSEX COUNTY, MA | 11 | $ 1,624,000 | $ 147,000 | $ 91,000 |
| LAS VEGAS-PARADISE, NV | 11 | $ 2,039,000 | $ 185,000 | $ 69,000 |
| PROVIDENCE-NEW BEDFORD-FALL RIVER, RI-MA | 11 | $ 1,701,000 | $ 154,000 | $ 51,000 |
| BATON ROUGE, LA | 10 | $ 1,533,000 | $ 153,000 | $ 75,000 |
| CHARLESTON, WV | 10 | $ 1,073,000 | $ 107,000 | $ 54,000 |
| CLEVELAND-ELYRIA-MENTOR, OH | 10 | $ 1,500,000 | $ 150,000 | $ 59,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO, TN | 10 | $ 1,676,000 | $ 167,000 | $ 76,000 |
| WICHITA, KS | 10 | $ 1,556,000 | $ 155,000 | $ 80,000 |
| DETROIT-LIVONIA-DEARBORN, MI | 9 | $ 1,229,000 | $ 136,000 | $ 53,000 |
| MEDFORD, OR | 9 | $ 1,297,000 | $ 144,000 | $ 47,000 |
| PORTLAND-VANCOUVER-BEAVERTON, OR-WA | 9 | $ 2,213,000 | $ 245,000 | $ 71,000 |
| WILMINGTON, DE-MD-NJ | 9 | $ 1,539,000 | $ 171,000 | $ 59,000 |
| ASHEVILLE, NC | 8 | $ 987,000 | $ 123,000 | $ 43,000 |
| BARNSTABLE TOWN, MA | 8 | $ 1,829,000 | $ 228,000 | $ 108,000 |
| COLUMBIA, SC | 8 | $ 1,119,000 | $ 139,000 | $ 67,000 |
| HARTFORD-WEST HARTFORD-EAST HARTFORD, CT | 8 | $ 971,000 | $ 121,000 | $ 61,000 |
| SPRINGFIELD, MA | 8 | $ 1,349,000 | $ 168,000 | $ 77,000 |
| WILMINGTON, NC | 8 | $ 1,081,000 | $ 135,000 | $ 71,000 |
| BIRMINGHAM-HOOVER, AL | 7 | $ 776,000 | $ 110,000 | $ 44,000 |
| CHARLESTON-NORTH CHARLESTON, SC | 7 | $ 1,434,000 | $ 204,000 | $ 111,000 |
| CHATTANOOGA, TN-GA | 7 | $ 1,227,000 | $ 175,000 | $ 77,000 |
| COLUMBUS, OH | 7 | $ 1,158,000 | $ 165,000 | $ 74,000 |
| GARY, IN | 7 | $ 1,088,000 | $ 155,000 | $ 55,000 |
| JACKSON, MS | 7 | $ 2,213,000 | $ 316,000 | $ 101,000 |
| KINGSTON, NY | 7 | $ 964,000 | $ 137,000 | $ 57,000 |
| LEXINGTON-FAYETTE, KY | 7 | $ 1,091,000 | $ 155,000 | $ 49,000 |
| LOUISVILLE, KY-IN | 7 | $ 898,000 | $ 128,000 | $ 72,000 |
| MEMPHIS, TN-MS-AR | 7 | $ 1,085,000 | $ 155,000 | $ 60,000 |
| UTICA-ROME, NY | 7 | $ 783,000 | $ 111,000 | $ 38,000 |
| YORK-HANOVER, PA | 7 | $ 909,000 | $ 129,000 | $ 48,000 |
| BRIDGEPORT-STAMFORD-NORWALK, CT | 6 | $ 1,805,000 | $ 300,000 | $ 95,000 |
| BURLINGTON-SOUTH BURLINGTON, VT | 6 | $ 820,000 | $ 136,000 | $ 64,000 |
| CAPE CORAL-FORT MYERS, FL | 6 | $ 861,000 | $ 143,000 | $ 53,000 |
| DURHAM, NC | 6 | $ 825,000 | $ 137,000 | $ 76,000 |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR-MO | 6 | $ 1,185,000 | $ 197,000 | $ 47,000 |
| GULFPORT-BILOXI, MS | 6 | $ 626,000 | $ 104,000 | $ 59,000 |
| OCALA, FL | 6 | $ 584,000 | $ 97,000 | $ 37,000 |
| TACOMA, WA | 6 | $ 839,000 | $ 139,000 | $ 39,000 |
| TRENTON-EWING, NJ | 6 | $ 1,131,000 | $ 188,000 | $ 66,000 |
| VINELAND-MILLVILLE-BRIDGETON, NJ | 6 | $ 665,000 | $ 110,000 | $ 68,000 |
| AKRON, OH | 5 | $ 732,000 | $ 146,000 | $ 74,000 |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ | 5 | $ 821,000 | $ 164,000 | $ 57,000 |
| CHARLOTTESVILLE, VA | 5 | $ 680,000 | $ 136,000 | $ 62,000 |
| DENVER-AURORA, CO | 5 | $ 929,000 | $ 185,000 | $ 49,000 |
| GLENS FALLS, NY | 5 | $ 348,000 | $ 69,000 | $ 39,000 |
| HUNTSVILLE, AL | 5 | $ 782,000 | $ 156,000 | $ 34,000 |
| JACKSONVILLE, FL | 5 | $ 885,000 | $ 177,000 | $ 67,000 |
| LANSING-EAST LANSING, MI | 5 | $ 725,000 | $ 145,000 | $ 79,000 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 5 | $ 1,135,000 | $ 227,000 | $ 74,000 |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC | 5 | $ 689,000 | $ 137,000 | $ 40,000 |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 5 | $ 601,000 | $ 120,000 | $ 58,000 |
| READING, PA | 5 | $ 522,000 | $ 104,000 | $ 45,000 |
| ROANOKE, VA | 5 | $ 596,000 | $ 119,000 | $ 43,000 |
| SAN DIEGO-CARLSBAD-SAN MARCOS, CA | 5 | $ 1,672,000 | $ 334,000 | $ 92,000 |
| SHREVEPORT-BOSSIER CITY, LA | 5 | $ 874,000 | $ 174,000 | $ 51,000 |
| WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL | 5 | $ 570,000 | $ 114,000 | $ 54,000 |
| ALBUQUERQUE, NM | 4 | $ 532,000 | $ 133,000 | $ 42,000 |
| BAKERSFIELD, CA | 4 | $ 815,000 | $ 203,000 | $ 64,000 |
| BURLINGTON, NC | 4 | $ 444,000 | $ 111,000 | $ 68,000 |
| CANTON-MASSILLON, OH | 4 | $ 335,000 | $ 83,000 | $ 51,000 |
| CLARKSVILLE, TN-KY | 4 | $ 368,000 | $ 92,000 | $ 47,000 |
| COLORADO SPRINGS, CO | 4 | $ 296,000 | $ 74,000 | $ 49,000 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 4 | $ 572,000 | $ 143,000 | $ 158,000 |
| DOVER, DE | 4 | $ 633,000 | $ 158,000 | $ 95,000 |
| FAYETTEVILLE, NC | 4 | $ 427,000 | $ 106,000 | $ 48,000 |
| FLORENCE-MUSCLE SHOALS, AL | 4 | $ 369,000 | $ 92,000 | $ 40,000 |
| GREENSBORO-HIGH POINT, NC | 4 | $ 469,000 | $ 117,000 | $ 70,000 |
| HARRISBURG-CARLISLE, PA | 4 | $ 408,000 | $ 102,000 | $ 44,000 |
| MADISON, WI | 4 | $ 496,000 | $ 124,000 | $ 47,000 |
| MANSFIELD, OH | 4 | $ 506,000 | $ 126,000 | $ 41,000 |
| NORWICH-NEW LONDON, CT | 4 | $ 577,000 | $ 144,000 | $ 49,000 |
| OAKLAND-FREMONT-HAYWARD, CA | 4 | $ 922,000 | $ 230,000 | $ 78,000 |
| OKLAHOMA CITY, OK | 4 | $ 609,000 | $ 152,000 | $ 51,000 |
| PASCAGOULA, MS | 4 | $ 316,000 | $ 79,000 | $ 46,000 |
| PENSACOLA-FERRY PASS-BRENT, FL | 4 | $ 339,000 | $ 84,000 | $ 60,000 |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA | 4 | $ 1,523,000 | $ 380,000 | $ 52,000 |
| SAVANNAH, GA | 4 | $ 434,000 | $ 108,000 | $ 334,000 |
| SEATTLE-BELLEVUE-EVERETT, WA | 4 | $ 1,521,000 | $ 380,000 | $ 37,000 |
| TOLEDO, OH | 4 | $ 690,000 | $ 172,000 | $ 48,000 |
| TULSA, OK | 4 | $ 472,000 | $ 118,000 | $ 66,000 |
| ALBANY, GA | 3 | $ 350,000 | $ 116,000 | $ 44,000 |
| ANNISTON-OXFORD, AL | 3 | $ 410,000 | $ 136,000 | $ 48,000 |
| ATLANTIC CITY, NJ | 3 | $ 525,000 | $ 175,000 | $ 55,000 |
| AUGUSTA-RICHMOND COUNTY, GA-SC | 3 | $ 458,000 | $ 152,000 | $ 60,000 |
| BINGHAMTON, NY | 3 | $ 209,000 | $ 69,000 | $ 31,000 |
| DES MOINES, IA | 3 | $ 365,000 | $ 121,000 | $ 50,000 |
| ELMIRA, NY | 3 | $ 243,000 | $ 81,000 | $ 48,000 |
| FORT SMITH, AR-OK | 3 | $ 256,000 | $ 85,000 | $ 65,000 |
| FORT WAYNE, IN | 3 | $ 295,000 | $ 98,000 | $ 68,000 |
| GREENVILLE, SC | 3 | $ 531,000 | $ 177,000 | $ 69,000 |
| HICKORY-LENOIR-MORGANTON, NC | 3 | $ 311,000 | $ 103,000 | $ 45,000 |
| ITHACA, NY | 3 | $ 481,000 | $ 160,000 | $ 19,000 |
| JONESBORO, AR | 3 | $ 425,000 | $ 141,000 | $ 20,000 |
| KANKAKEE-BRADLEY, IL | 3 | $ 309,000 | $ 103,000 | $ 49,000 |
| LAFAYETTE, LA | 3 | $ 444,000 | $ 148,000 | $ 51,000 |
| LAKELAND, FL | 3 | $ 415,000 | $ 138,000 | $ 63,000 |
| LANCASTER, PA | 3 | $ 437,000 | $ 145,000 | $ 58,000 |
| LEWISTON-AUBURN, ME | 3 | $ 335,000 | $ 111,000 | $ 26,000 |
| MOBILE, AL | 3 | $ 308,000 | $ 102,000 | $ 53,000 |
| MONTGOMERY, AL | 3 | $ 427,000 | $ 142,000 | $ 51,000 |
| NEW HAVEN-MILFORD, CT | 3 | $ 497,000 | $ 165,000 | $ 87,000 |
| OCEAN CITY, NJ | 3 | $ 609,000 | $ 203,000 | $ 62,000 |
| OMAHA-COUNCIL BLUFFS, NE-IA | 3 | $ 441,000 | $ 147,000 | $ 36,000 |
| PARKERSBURG-MARIETTA, WV-OH | 3 | $ 361,000 | $ 120,000 | $ 41,000 |
| PORT ST. LUCIE-FORT PIERCE, FL | 3 | $ 373,000 | $ 124,000 | $ 66,000 |
| RACINE, WI | 3 | $ 198,000 | $ 66,000 | $ 48,000 |
| RENO-SPARKS, NV | 3 | $ 561,000 | $ 187,000 | $ 60,000 |
| ROME, GA | 3 | $ 472,000 | $ 157,000 | $ 68,000 |
| SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA | 3 | $ 633,000 | $ 211,000 | $ 47,000 |
| SALISBURY, MD | 3 | $ 402,000 | $ 134,000 | $ 56,000 |
| SARASOTA-BRADENTON-VENICE, FL | 3 | $ 494,000 | $ 164,000 | $ 38,000 |
| SPRINGFIELD, MO | 3 | $ 420,000 | $ 140,000 | $ 32,000 |
| ALEXANDRIA, LA | 2 | $ 200,000 | $ 100,000 | $ 72,000 |
| ANN ARBOR, MI | 2 | $ 337,000 | $ 168,000 | $ 110,000 |
| BATTLE CREEK, MI | 2 | $ 577,000 | $ 288,000 | $ 84,000 |
| BISMARCK, ND | 2 | $ 497,000 | $ 248,000 | $ 140,000 |
| CHAMPAIGN-URBANA, IL | 2 | $ 184,000 | $ 92,000 | $ 96,000 |
| COLUMBUS, GA-AL | 2 | $ 374,000 | $ 187,000 | $ 60,000 |
| DALTON, GA | 2 | $ 129,000 | $ 64,000 | $ 40,000 |
| DECATUR, AL | 2 | $ 237,000 | $ 118,000 | $ 78,000 |
| ELIZABETHTOWN, KY | 2 | $ 245,000 | $ 122,000 | $ 45,000 |
| ELKHART-GOSHEN, IN | 2 | $ 148,000 | $ 74,000 | $ 52,000 |
| ERIE, PA | 2 | $ 72,000 | $ 36,000 | $ 31,000 |
| FLINT, MI | 2 | $ 232,000 | $ 116,000 | $ 15,000 |
| FOND DU LAC, WI | 2 | $ 288,000 | $ 144,000 | $ 50,000 |
| FORT COLLINS-LOVELAND, CO | 2 | $ 167,000 | $ 83,000 | $ 53,000 |
| GADSDEN, AL | 2 | $ 196,000 | $ 98,000 | $ 132,000 |
| HAGERSTOWN-MARTINSBURG, MD-WV | 2 | $ 370,000 | $ 185,000 | $ 70,000 |
| HARRISONBURG, VA | 2 | $ 288,000 | $ 144,000 | $ 103,000 |
| HOUMA-BAYOU CANE-THIBODAUX, LA | 2 | $ 214,000 | $ 107,000 | $ 45,000 |
| KENNEWICK-RICHLAND-PASCO, WA | 2 | $ 162,000 | $ 81,000 | $ 53,000 |
| LAKE CHARLES, LA | 2 | $ 201,000 | $ 100,000 | $ 73,000 |
| LAKE COUNTY-KENOSHA COUNTY, IL-WI | 2 | $ 194,000 | $ 97,000 | $ 27,000 |
| LITTLE ROCK-NORTH LITTLE ROCK, AR | 2 | $ 335,000 | $ 167,000 | $ 105,000 |
| MACON, GA | 2 | $ 205,000 | $ 102,000 | $ 96,000 |
| MODESTO, CA | 2 | $ 293,000 | $ 146,000 | $ 149,000 |
| PRESCOTT, AZ | 2 | $ 162,000 | $ 81,000 | $ 22,000 |
| ROCHESTER, MN | 2 | $ 248,000 | $ 124,000 | $ 61,000 |
| ROCKFORD, IL | 2 | $ 280,000 | $ 140,000 | $ 63,000 |
| SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA | 2 | $ 336,000 | $ 168,000 | $ 60,000 |
| SAN LUIS OBISPO-PASO ROBLES, CA | 2 | $ 525,000 | $ 262,000 | $ 60,000 |
| SANDUSKY, OH | 2 | $ 226,000 | $ 113,000 | $ 78,000 |
| SCRANTON--WILKES-BARRE, PA | 2 | $ 125,000 | $ 62,000 | $ 34,000 |
| SOUTH BEND-MISHAWAKA, IN-MI | 2 | $ 222,000 | $ 111,000 | $ 20,000 |
| SPRINGFIELD, OH | 2 | $ 225,000 | $ 112,000 | $ 58,000 |
| TOPEKA, KS | 2 | $ 83,000 | $ 41,000 | $ 35,000 |
| TUCSON, AZ | 2 | $ 335,000 | $ 167,000 | $ 26,000 |
| TUSCALOOSA, AL | 2 | $ 460,000 | $ 230,000 | $ 135,000 |
| WATERLOO-CEDAR FALLS, IA | 2 | $ 115,000 | $ 57,000 | $ 80,000 |
| WEIRTON-STEUBENVILLE, WV-OH | 2 | $ 260,000 | $ 130,000 | $ 123,000 |
| WINSTON-SALEM, NC | 2 | $ 407,000 | $ 203,000 | $ 122,000 |
| ANDERSON, IN | 1 | $ 100,000 | $ 100,000 | $ 50,000 |
| ANDERSON, SC | 1 | $ 120,000 | $ 120,000 | $ 33,000 |
| APPLETON, WI | 1 | $ 138,000 | $ 138,000 | $ 42,000 |
| ATHENS-CLARKE COUNTY, GA | 1 | $ 131,000 | $ 131,000 | $ 63,000 |
| BLOOMINGTON-NORMAL, IL | 1 | $ 140,000 | $ 140,000 | $ 59,000 |
| BOISE CITY-NAMPA, ID | 1 | $ 119,000 | $ 119,000 | $ 76,000 |
| BOULDER, CO | 1 | $ 325,000 | $ 325,000 | $ 0 |
| BOWLING GREEN, KY | 1 | $ 170,000 | $ 170,000 | $ 40,000 |
| CLEVELAND, TN | 1 | $ 216,000 | $ 216,000 | $ 180,000 |
| COEUR D'ALENE, ID | 1 | $ 98,000 | $ 98,000 | $ 60,000 |
| COLUMBUS, IN | 1 | $ 98,000 | $ 98,000 | $ 48,000 |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL | 1 | $ 230,000 | $ 230,000 | $ 78,000 |
| DOTHAN, AL | 1 | $ 160,000 | $ 160,000 | $ 120,000 |
| EAU CLAIRE, WI | 1 | $ 105,000 | $ 105,000 | $ 37,000 |
| EL CENTRO, CA | 1 | $ 152,000 | $ 152,000 | $ 62,000 |
| EUGENE-SPRINGFIELD, OR | 1 | $ 168,000 | $ 168,000 | $ 120,000 |
| EVANSVILLE, IN-KY | 1 | $ 150,000 | $ 150,000 | $ 49,000 |
| FLAGSTAFF, AZ | 1 | $ 274,000 | $ 274,000 | $ 79,000 |
| FLORENCE, SC | 1 | $ 93,000 | $ 93,000 | $ 26,000 |
| FORT WALTON BEACH-CRESTVIEW-DESTIN, FL | 1 | $ 239,000 | $ 239,000 | $ 0 |
| GAINESVILLE, GA | 1 | $ 182,000 | $ 182,000 | $ 54,000 |
| GREEN BAY, WI | 1 | $ 216,000 | $ 216,000 | $ 622,000 |
| GREENVILLE, NC | 1 | $ 113,000 | $ 113,000 | $ 69,000 |
| HATTIESBURG, MS | 1 | $ 121,000 | $ 121,000 | $ 57,000 |
| HOLLAND-GRAND HAVEN, MI | 1 | $ 109,000 | $ 109,000 | $ 26,000 |
| HONOLULU, HI | 1 | $ 250,000 | $ 250,000 | $ 66,000 |
| HOT SPRINGS, AR | 1 | $ 104,000 | $ 104,000 | $ 61,000 |
| HUNTINGTON-ASHLAND, WV-KY-OH | 1 | $ 86,000 | $ 86,000 | $ 54,000 |
| JACKSON, TN | 1 | $ 119,000 | $ 119,000 | $ 54,000 |
| JACKSONVILLE, NC | 1 | $ 72,000 | $ 72,000 | $ 60,000 |
| JEFFERSON CITY, MO | 1 | $ 193,000 | $ 193,000 | $ 64,000 |
| JOPLIN, MO | 1 | $ 145,000 | $ 145,000 | $ 82,000 |
| KALAMAZOO-PORTAGE, MI | 1 | $ 260,000 | $ 260,000 | $ 35,000 |
| KNOXVILLE, TN | 1 | $ 104,000 | $ 104,000 | $ 48,000 |
| KOKOMO, IN | 1 | $ 154,000 | $ 154,000 | $ 93,000 |
| LAWRENCE, KS | 1 | $ 198,000 | $ 198,000 | $ 38,000 |
| LAWTON, OK | 1 | $ 88,000 | $ 88,000 | $ 69,000 |
| LINCOLN, NE | 1 | $ 190,000 | $ 190,000 | $ 0 |
| LONGVIEW, WA | 1 | $ 111,000 | $ 111,000 | $ 17,000 |
| LYNCHBURG, VA | 1 | $ 93,000 | $ 93,000 | $ 41,000 |
| MERCED, CA | 1 | $ 170,000 | $ 170,000 | $ 84,000 |
| MICHIGAN CITY-LA PORTE, IN | 1 | $ 55,000 | $ 55,000 | $ 98,000 |
| MONROE, LA | 1 | $ 107,000 | $ 107,000 | $ 69,000 |
| MORGANTOWN, WV | 1 | $ 48,000 | $ 48,000 | $ 171,000 |
| NAPA, CA | 1 | $ 84,000 | $ 84,000 | $ 28,000 |
| NAPLES-MARCO ISLAND, FL | 1 | $ 235,000 | $ 235,000 | $ 19,000 |
| OGDEN-CLEARFIELD, UT | 1 | $ 152,000 | $ 152,000 | $ 0 |
| OSHKOSH-NEENAH, WI | 1 | $ 190,000 | $ 190,000 | $ 150,000 |
| PUNTA GORDA, FL | 1 | $ 99,000 | $ 99,000 | $ 28,000 |
| RAPID CITY, SD | 1 | $ 100,000 | $ 100,000 | $ 31,000 |
| REDDING, CA | 1 | $ 269,000 | $ 269,000 | $ 104,000 |
| ROCKY MOUNT, NC | 1 | $ 164,000 | $ 164,000 | $ 94,000 |
| SALT LAKE CITY, UT | 1 | $ 93,000 | $ 93,000 | $ 50,000 |
| SANTA ANA-ANAHEIM-IRVINE, CA | 1 | $ 234,000 | $ 234,000 | $ 115,000 |
| SHEBOYGAN, WI | 1 | $ 102,000 | $ 102,000 | $ 22,000 |
| SIOUX CITY, IA-NE-SD | 1 | $ 156,000 | $ 156,000 | $ 49,000 |
| SPARTANBURG, SC | 1 | $ 108,000 | $ 108,000 | $ 120,000 |
| ST. CLOUD, MN | 1 | $ 277,000 | $ 277,000 | $ 57,000 |
| STATE COLLEGE, PA | 1 | $ 93,000 | $ 93,000 | $ 0 |
| SUMTER, SC | 1 | $ 147,000 | $ 147,000 | $ 69,000 |
| TALLAHASSEE, FL | 1 | $ 112,000 | $ 112,000 | $ 79,000 |
| VERO BEACH, FL | 1 | $ 92,000 | $ 92,000 | $ 0 |
| VISALIA-PORTERVILLE, CA | 1 | $ 105,000 | $ 105,000 | $ 45,000 |
| WARNER ROBINS, GA | 1 | $ 100,000 | $ 100,000 | $ 74,000 |
| WENATCHEE, WA | 1 | $ 129,000 | $ 129,000 | $ 49,000 |
| WHEELING, WV-OH | 1 | $ 130,000 | $ 130,000 | $ 27,000 |
| WINCHESTER, VA-WV | 1 | $ 384,000 | $ 384,000 | $ 149,000 |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA | 1 | $ 94,000 | $ 94,000 | $ 64,000 |
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.