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Act (HMDA) records Ratestar, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | $ 145,526 | $ 59,000 |
| Edison, NJ | 73 | $ 13,426,000 | $ 183,917 | $ 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 | $ 254,132 | $ 70,000 |
| Chicago-Naperville-Joliet, IL | 46 | $ 7,344,000 | $ 159,652 | $ 61,000 |
| Nassau-Suffolk, NY | 43 | $ 9,473,000 | $ 220,302 | $ 84,000 |
| Newark-Union, NJ-PA | 36 | $ 7,996,000 | $ 222,111 | $ 87,000 |
| Philadelphia, PA | 36 | $ 5,961,000 | $ 165,583 | $ 70,000 |
| Baltimore-Towson, MD | 32 | $ 5,127,000 | $ 160,218 | $ 64,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 32 | $ 5,103,000 | $ 159,468 | $ 58,000 |
| Camden, NJ | 30 | $ 4,657,000 | $ 155,233 | $ 75,000 |
| Tampa-St. Petersburg-Clearwater, FL | 28 | $ 4,318,000 | $ 154,214 | $ 76,000 |
| Portland-South Portland-Biddeford, ME | 24 | $ 4,701,000 | $ 195,875 | $ 105,000 |
| Cambridge-Newton-Framingham, MA | 23 | $ 4,885,000 | $ 212,391 | $ 72,000 |
| Bethesda-Frederick-Gaithersburg, MD | 22 | $ 5,425,000 | $ 246,590 | $ 101,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 22 | $ 4,183,000 | $ 190,136 | $ 71,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 22 | $ 5,717,000 | $ 259,863 | $ 113,000 |
| Albany-Schenectady-Troy, NY | 20 | $ 2,684,000 | $ 134,200 | $ 64,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 20 | $ 3,029,000 | $ 151,450 | $ 122,000 |
| Boston-Quincy, MA | 19 | $ 4,543,000 | $ 239,105 | $ 62,000 |
| Richmond, VA | 19 | $ 2,720,000 | $ 143,157 | $ 55,000 |
| Milwaukee-Waukesha-West Allis, WI | 18 | $ 2,899,000 | $ 161,055 | $ 66,000 |
| Kansas City, MO-KS | 17 | $ 1,830,000 | $ 107,647 | $ 68,000 |
| Orlando, FL | 17 | $ 2,554,000 | $ 150,235 | $ 63,000 |
| Pittsburgh, PA | 17 | $ 1,831,000 | $ 107,705 | $ 51,000 |
| St. Louis, MO-IL | 16 | $ 2,693,000 | $ 168,312 | $ 57,000 |
| Worcester, MA | 16 | $ 3,045,000 | $ 190,312 | $ 43,000 |
| Buffalo-Niagara Falls, NY | 15 | $ 1,395,000 | $ 93,000 | $ 51,000 |
| Charlotte-Gastonia-Concord, NC-SC | 15 | $ 2,122,000 | $ 141,466 | $ 47,000 |
| Miami-Miami Beach-Kendall, FL | 15 | $ 2,216,000 | $ 147,733 | $ 57,000 |
| Raleigh-Cary, NC | 15 | $ 2,671,000 | $ 178,066 | $ 53,000 |
| Riverside-San Bernardino-Ontario, CA | 15 | $ 2,352,000 | $ 156,800 | $ 87,000 |
| Rockingham County-Strafford County, NH | 15 | $ 3,123,000 | $ 208,200 | $ 76,000 |
| Warren-Farmington Hills-Troy, MI | 15 | $ 2,278,000 | $ 151,866 | $ 153,000 |
| Phoenix-Mesa-Scottsdale, AZ | 14 | $ 2,189,000 | $ 156,357 | $ 72,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 14 | $ 2,018,000 | $ 144,142 | $ 49,000 |
| Syracuse, NY | 14 | $ 1,821,000 | $ 130,071 | $ 73,000 |
| Dayton, OH | 13 | $ 1,068,000 | $ 82,153 | $ 56,000 |
| Manchester-Nashua, NH | 13 | $ 2,723,000 | $ 209,461 | $ 72,000 |
| New Orleans-Metairie-Kenner, LA | 13 | $ 2,369,000 | $ 182,230 | $ 75,000 |
| Rochester, NY | 13 | $ 1,236,000 | $ 95,076 | $ 55,000 |
| Indianapolis, IN | 12 | $ 1,929,000 | $ 160,750 | $ 45,000 |
| Essex County, MA | 11 | $ 1,624,000 | $ 147,636 | $ 91,000 |
| Las Vegas-Paradise, NV | 11 | $ 2,039,000 | $ 185,363 | $ 69,000 |
| Providence-New Bedford-Fall River, RI-MA | 11 | $ 1,701,000 | $ 154,636 | $ 51,000 |
| Baton Rouge, LA | 10 | $ 1,533,000 | $ 153,300 | $ 75,000 |
| Charleston, WV | 10 | $ 1,073,000 | $ 107,300 | $ 54,000 |
| Cleveland-Elyria-Mentor, OH | 10 | $ 1,500,000 | $ 150,000 | $ 59,000 |
| Nashville-Davidson--Murfreesboro, TN | 10 | $ 1,676,000 | $ 167,600 | $ 76,000 |
| Wichita, KS | 10 | $ 1,556,000 | $ 155,600 | $ 80,000 |
| Detroit-Livonia-Dearborn, MI | 9 | $ 1,229,000 | $ 136,555 | $ 53,000 |
| Medford, OR | 9 | $ 1,297,000 | $ 144,111 | $ 47,000 |
| Portland-Vancouver-Beaverton, OR-WA | 9 | $ 2,213,000 | $ 245,888 | $ 71,000 |
| Wilmington, DE-MD-NJ | 9 | $ 1,539,000 | $ 171,000 | $ 59,000 |
| Asheville, NC | 8 | $ 987,000 | $ 123,375 | $ 43,000 |
| Barnstable Town, MA | 8 | $ 1,829,000 | $ 228,625 | $ 108,000 |
| Columbia, SC | 8 | $ 1,119,000 | $ 139,875 | $ 67,000 |
| Hartford-West Hartford-East Hartford, CT | 8 | $ 971,000 | $ 121,375 | $ 61,000 |
| Springfield, MA | 8 | $ 1,349,000 | $ 168,625 | $ 77,000 |
| Wilmington, NC | 8 | $ 1,081,000 | $ 135,125 | $ 71,000 |
| Birmingham-Hoover, AL | 7 | $ 776,000 | $ 110,857 | $ 44,000 |
| Charleston-North Charleston, SC | 7 | $ 1,434,000 | $ 204,857 | $ 111,000 |
| Chattanooga, TN-GA | 7 | $ 1,227,000 | $ 175,285 | $ 77,000 |
| Columbus, OH | 7 | $ 1,158,000 | $ 165,428 | $ 74,000 |
| Gary, IN | 7 | $ 1,088,000 | $ 155,428 | $ 55,000 |
| Jackson, MS | 7 | $ 2,213,000 | $ 316,142 | $ 101,000 |
| Kingston, NY | 7 | $ 964,000 | $ 137,714 | $ 57,000 |
| Lexington-Fayette, KY | 7 | $ 1,091,000 | $ 155,857 | $ 49,000 |
| Louisville, KY-IN | 7 | $ 898,000 | $ 128,285 | $ 72,000 |
| Memphis, TN-MS-AR | 7 | $ 1,085,000 | $ 155,000 | $ 60,000 |
| Utica-Rome, NY | 7 | $ 783,000 | $ 111,857 | $ 38,000 |
| York-Hanover, PA | 7 | $ 909,000 | $ 129,857 | $ 48,000 |
| Bridgeport-Stamford-Norwalk, CT | 6 | $ 1,805,000 | $ 300,833 | $ 95,000 |
| Burlington-South Burlington, VT | 6 | $ 820,000 | $ 136,666 | $ 64,000 |
| Cape Coral-Fort Myers, FL | 6 | $ 861,000 | $ 143,500 | $ 53,000 |
| Durham, NC | 6 | $ 825,000 | $ 137,500 | $ 76,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 6 | $ 1,185,000 | $ 197,500 | $ 47,000 |
| Gulfport-Biloxi, MS | 6 | $ 626,000 | $ 104,333 | $ 59,000 |
| Ocala, FL | 6 | $ 584,000 | $ 97,333 | $ 37,000 |
| Tacoma, WA | 6 | $ 839,000 | $ 139,833 | $ 39,000 |
| Trenton-Ewing, NJ | 6 | $ 1,131,000 | $ 188,500 | $ 66,000 |
| Vineland-Millville-Bridgeton, NJ | 6 | $ 665,000 | $ 110,833 | $ 68,000 |
| Akron, OH | 5 | $ 732,000 | $ 146,400 | $ 74,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 5 | $ 821,000 | $ 164,200 | $ 57,000 |
| Charlottesville, VA | 5 | $ 680,000 | $ 136,000 | $ 62,000 |
| Denver-Aurora, CO | 5 | $ 929,000 | $ 185,800 | $ 49,000 |
| Glens Falls, NY | 5 | $ 348,000 | $ 69,600 | $ 39,000 |
| Huntsville, AL | 5 | $ 782,000 | $ 156,400 | $ 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 | $ 137,800 | $ 40,000 |
| Palm Bay-Melbourne-Titusville, FL | 5 | $ 601,000 | $ 120,200 | $ 58,000 |
| Reading, PA | 5 | $ 522,000 | $ 104,400 | $ 45,000 |
| Roanoke, VA | 5 | $ 596,000 | $ 119,200 | $ 43,000 |
| San Diego-Carlsbad-San Marcos, CA | 5 | $ 1,672,000 | $ 334,400 | $ 92,000 |
| Shreveport-Bossier City, LA | 5 | $ 874,000 | $ 174,800 | $ 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 | $ 203,750 | $ 64,000 |
| Burlington, NC | 4 | $ 444,000 | $ 111,000 | $ 68,000 |
| Canton-Massillon, OH | 4 | $ 335,000 | $ 83,750 | $ 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 | $ 158,250 | $ 95,000 |
| Fayetteville, NC | 4 | $ 427,000 | $ 106,750 | $ 48,000 |
| Florence-Muscle Shoals, AL | 4 | $ 369,000 | $ 92,250 | $ 40,000 |
| Greensboro-High Point, NC | 4 | $ 469,000 | $ 117,250 | $ 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 | $ 126,500 | $ 41,000 |
| Norwich-New London, CT | 4 | $ 577,000 | $ 144,250 | $ 49,000 |
| Oakland-Fremont-Hayward, CA | 4 | $ 922,000 | $ 230,500 | $ 78,000 |
| Oklahoma City, OK | 4 | $ 609,000 | $ 152,250 | $ 51,000 |
| Pascagoula, MS | 4 | $ 316,000 | $ 79,000 | $ 46,000 |
| Pensacola-Ferry Pass-Brent, FL | 4 | $ 339,000 | $ 84,750 | $ 60,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 4 | $ 1,523,000 | $ 380,750 | $ 52,000 |
| Savannah, GA | 4 | $ 434,000 | $ 108,500 | $ 334,000 |
| Seattle-Bellevue-Everett, WA | 4 | $ 1,521,000 | $ 380,250 | $ 37,000 |
| Toledo, OH | 4 | $ 690,000 | $ 172,500 | $ 48,000 |
| Tulsa, OK | 4 | $ 472,000 | $ 118,000 | $ 66,000 |
| Albany, GA | 3 | $ 350,000 | $ 116,666 | $ 44,000 |
| Anniston-Oxford, AL | 3 | $ 410,000 | $ 136,666 | $ 48,000 |
| Atlantic City, NJ | 3 | $ 525,000 | $ 175,000 | $ 55,000 |
| Augusta-Richmond County, GA-SC | 3 | $ 458,000 | $ 152,666 | $ 60,000 |
| Binghamton, NY | 3 | $ 209,000 | $ 69,666 | $ 31,000 |
| Des Moines, IA | 3 | $ 365,000 | $ 121,666 | $ 50,000 |
| Elmira, NY | 3 | $ 243,000 | $ 81,000 | $ 48,000 |
| Fort Smith, AR-OK | 3 | $ 256,000 | $ 85,333 | $ 65,000 |
| Fort Wayne, IN | 3 | $ 295,000 | $ 98,333 | $ 68,000 |
| Greenville, SC | 3 | $ 531,000 | $ 177,000 | $ 69,000 |
| Hickory-Lenoir-Morganton, NC | 3 | $ 311,000 | $ 103,666 | $ 45,000 |
| Ithaca, NY | 3 | $ 481,000 | $ 160,333 | $ 19,000 |
| Jonesboro, AR | 3 | $ 425,000 | $ 141,666 | $ 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 | $ 138,333 | $ 63,000 |
| Lancaster, PA | 3 | $ 437,000 | $ 145,666 | $ 58,000 |
| Lewiston-Auburn, ME | 3 | $ 335,000 | $ 111,666 | $ 26,000 |
| Mobile, AL | 3 | $ 308,000 | $ 102,666 | $ 53,000 |
| Montgomery, AL | 3 | $ 427,000 | $ 142,333 | $ 51,000 |
| New Haven-Milford, CT | 3 | $ 497,000 | $ 165,666 | $ 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 | $ 120,333 | $ 41,000 |
| Port St. Lucie-Fort Pierce, FL | 3 | $ 373,000 | $ 124,333 | $ 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 | $ 157,333 | $ 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 | $ 164,666 | $ 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 | $ 168,500 | $ 110,000 |
| Battle Creek, MI | 2 | $ 577,000 | $ 288,500 | $ 84,000 |
| Bismarck, ND | 2 | $ 497,000 | $ 248,500 | $ 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 | $ 64,500 | $ 40,000 |
| Decatur, AL | 2 | $ 237,000 | $ 118,500 | $ 78,000 |
| Elizabethtown, KY | 2 | $ 245,000 | $ 122,500 | $ 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 | $ 83,500 | $ 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 | $ 100,500 | $ 73,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 194,000 | $ 97,000 | $ 27,000 |
| Little Rock-North Little Rock, AR | 2 | $ 335,000 | $ 167,500 | $ 105,000 |
| Macon, GA | 2 | $ 205,000 | $ 102,500 | $ 96,000 |
| Modesto, CA | 2 | $ 293,000 | $ 146,500 | $ 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 | $ 262,500 | $ 60,000 |
| Sandusky, OH | 2 | $ 226,000 | $ 113,000 | $ 78,000 |
| Scranton--Wilkes-Barre, PA | 2 | $ 125,000 | $ 62,500 | $ 34,000 |
| South Bend-Mishawaka, IN-MI | 2 | $ 222,000 | $ 111,000 | $ 20,000 |
| Springfield, OH | 2 | $ 225,000 | $ 112,500 | $ 58,000 |
| Topeka, KS | 2 | $ 83,000 | $ 41,500 | $ 35,000 |
| Tucson, AZ | 2 | $ 335,000 | $ 167,500 | $ 26,000 |
| Tuscaloosa, AL | 2 | $ 460,000 | $ 230,000 | $ 135,000 |
| Waterloo-Cedar Falls, IA | 2 | $ 115,000 | $ 57,500 | $ 80,000 |
| Weirton-Steubenville, WV-OH | 2 | $ 260,000 | $ 130,000 | $ 123,000 |
| Winston-Salem, NC | 2 | $ 407,000 | $ 203,500 | $ 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.
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