Readycap Commercial LLC Mortgage Lending & HMDA Data, 2020
In 2020, Readycap Commercial LLC of Berkeleyn++Heights, NJ reported 363 mortgage applications totaling $1.2 billion, down 23% from 2019. The average application was for $3,392,796, and applicants reported an average income of $0. 52% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (73), Denver-Aurora-Lakewood, CO (14) and Atlanta-Sandy Springs-Roswell, GA (13) (applications in parentheses).
| Mortgage Company & Address | Readycap Commercial LLC Berkeleyn++Heights, NJ 07922 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 |
| Total Number of Mortgage Applications | 363 |
| Total Mortgage Loan Application Amount | $1,231,585,000 |
| Average Mortgage Loan Application Amount | $3,392,796 |
| Highest Mortgage Loan Application Amount | $39,635,000 |
| Average Applicant Income | $0 |
| Highest Applicant Income | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Readycap Commercial LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Los Angeles, California | 74 | $ 223,320,000 | $ 3,017,837 | $ 0 |
| Cook, Illinois | 13 | $ 39,535,000 | $ 3,041,153 | $ 0 |
| Harris, Texas | 12 | $ 76,390,000 | $ 6,365,833 | $ 0 |
| Franklin, Ohio | 8 | $ 23,680,000 | $ 2,960,000 | $ 0 |
| District of Columbia, District Of Columbia | 7 | $ 15,425,000 | $ 2,203,571 | $ 0 |
| Hamilton, Ohio | 7 | $ 25,955,000 | $ 3,707,857 | $ 0 |
| Broward, Florida | 6 | $ 18,670,000 | $ 3,111,666 | $ 0 |
| Kings, New York | 6 | $ 43,640,000 | $ 7,273,333 | $ 0 |
| Multnomah, Oregon | 6 | $ 16,740,000 | $ 2,790,000 | $ 0 |
| King, Washington | 6 | $ 26,950,000 | $ 4,491,666 | $ 0 |
| Pima, Arizona | 5 | $ 12,335,000 | $ 2,467,000 | $ 0 |
| Hillsborough, Florida | 5 | $ 18,775,000 | $ 3,755,000 | $ 0 |
| Clayton, Georgia | 5 | $ 11,685,000 | $ 2,337,000 | $ 0 |
| Maricopa, Arizona | 4 | $ 19,840,000 | $ 4,960,000 | $ 0 |
| Alameda, California | 4 | $ 10,810,000 | $ 2,702,500 | $ 0 |
| Adams, Colorado | 4 | $ 13,460,000 | $ 3,365,000 | $ 0 |
| Jefferson, Colorado | 4 | $ 5,800,000 | $ 1,450,000 | $ 0 |
| Fulton, Georgia | 4 | $ 14,830,000 | $ 3,707,500 | $ 0 |
| Sussex, New Jersey | 4 | $ 11,620,000 | $ 2,905,000 | $ 0 |
| Fresno, California | 3 | $ 9,135,000 | $ 3,045,000 | $ 0 |
| San Diego, California | 3 | $ 4,375,000 | $ 1,458,333 | $ 0 |
| Santa Clara, California | 3 | $ 32,175,000 | $ 10,725,000 | $ 0 |
| Arapahoe, Colorado | 3 | $ 7,255,000 | $ 2,418,333 | $ 0 |
| Denver, Colorado | 3 | $ 11,905,000 | $ 3,968,333 | $ 0 |
| Miami-Dade, Florida | 3 | $ 4,435,000 | $ 1,478,333 | $ 0 |
| Houston, Georgia | 3 | $ 7,135,000 | $ 2,378,333 | $ 0 |
| Hardin, Kentucky | 3 | $ 7,865,000 | $ 2,621,666 | $ 0 |
| Sherburne, Minnesota | 3 | $ 13,205,000 | $ 4,401,666 | $ 0 |
| St. Louis City, Missouri | 3 | $ 41,645,000 | $ 13,881,666 | $ 0 |
| Clark, Nevada | 3 | $ 7,925,000 | $ 2,641,666 | $ 0 |
| Monroe, New York | 3 | $ 4,295,000 | $ 1,431,666 | $ 0 |
| Queens, New York | 3 | $ 13,395,000 | $ 4,465,000 | $ 0 |
| Cuyahoga, Ohio | 3 | $ 8,915,000 | $ 2,971,666 | $ 0 |
| Montgomery, Ohio | 3 | $ 8,465,000 | $ 2,821,666 | $ 0 |
| Hidalgo, Texas | 3 | $ 7,925,000 | $ 2,641,666 | $ 0 |
| Tarrant, Texas | 3 | $ 8,925,000 | $ 2,975,000 | $ 0 |
| Pierce, Washington | 3 | $ 7,705,000 | $ 2,568,333 | $ 0 |
| Contra Costa, California | 2 | $ 3,330,000 | $ 1,665,000 | $ 0 |
| Orange, California | 2 | $ 2,770,000 | $ 1,385,000 | $ 0 |
| Riverside, California | 2 | $ 6,110,000 | $ 3,055,000 | $ 0 |
| El Paso, Colorado | 2 | $ 4,440,000 | $ 2,220,000 | $ 0 |
| New Haven, Connecticut | 2 | $ 5,810,000 | $ 2,905,000 | $ 0 |
| Orange, Florida | 2 | $ 5,110,000 | $ 2,555,000 | $ 0 |
| Palm Beach, Florida | 2 | $ 2,710,000 | $ 1,355,000 | $ 0 |
| Clarke, Georgia | 2 | $ 9,860,000 | $ 4,930,000 | $ 0 |
| DeKalb, Georgia | 2 | $ 7,750,000 | $ 3,875,000 | $ 0 |
| St. Tammany, Louisiana | 2 | $ 4,140,000 | $ 2,070,000 | $ 0 |
| Wayne, Michigan | 2 | $ 4,040,000 | $ 2,020,000 | $ 0 |
| Jackson, Missouri | 2 | $ 4,090,000 | $ 2,045,000 | $ 0 |
| Douglas, Nebraska | 2 | $ 10,520,000 | $ 5,260,000 | $ 0 |
| Clermont, Ohio | 2 | $ 6,930,000 | $ 3,465,000 | $ 0 |
| Licking, Ohio | 2 | $ 3,070,000 | $ 1,535,000 | $ 0 |
| Tulsa, Oklahoma | 2 | $ 4,510,000 | $ 2,255,000 | $ 0 |
| Bell, Texas | 2 | $ 2,710,000 | $ 1,355,000 | $ 0 |
| Dallas, Texas | 2 | $ 7,360,000 | $ 3,680,000 | $ 0 |
| Gregg, Texas | 2 | $ 8,830,000 | $ 4,415,000 | $ 0 |
| Lubbock, Texas | 2 | $ 6,140,000 | $ 3,070,000 | $ 0 |
| Clark, Washington | 2 | $ 8,860,000 | $ 4,430,000 | $ 0 |
| Morgan, Alabama | 1 | $ 3,025,000 | $ 3,025,000 | $ 0 |
| Yavapai, Arizona | 1 | $ 1,545,000 | $ 1,545,000 | $ 0 |
| Sebastian, Arkansas | 1 | $ 3,525,000 | $ 3,525,000 | $ 0 |
| Imperial, California | 1 | $ 4,545,000 | $ 4,545,000 | $ 0 |
| Kern, California | 1 | $ 1,555,000 | $ 1,555,000 | $ 0 |
| San Francisco, California | 1 | $ 2,155,000 | $ 2,155,000 | $ 0 |
| San Mateo, California | 1 | $ 4,455,000 | $ 4,455,000 | $ 0 |
| Brevard, Florida | 1 | $ 915,000 | $ 915,000 | $ 0 |
| Collier, Florida | 1 | $ 1,205,000 | $ 1,205,000 | $ 0 |
| Duval, Florida | 1 | $ 2,355,000 | $ 2,355,000 | $ 0 |
| Lee, Florida | 1 | $ 1,515,000 | $ 1,515,000 | $ 0 |
| Osceola, Florida | 1 | $ 19,905,000 | $ 19,905,000 | $ 0 |
| Pasco, Florida | 1 | $ 1,105,000 | $ 1,105,000 | $ 0 |
| Pinellas, Florida | 1 | $ 1,025,000 | $ 1,025,000 | $ 0 |
| Polk, Florida | 1 | $ 1,155,000 | $ 1,155,000 | $ 0 |
| Volusia, Florida | 1 | $ 1,305,000 | $ 1,305,000 | $ 0 |
| Bibb, Georgia | 1 | $ 4,855,000 | $ 4,855,000 | $ 0 |
| Cherokee, Georgia | 1 | $ 1,035,000 | $ 1,035,000 | $ 0 |
| Columbia, Georgia | 1 | $ 5,355,000 | $ 5,355,000 | $ 0 |
| Muscogee, Georgia | 1 | $ 3,805,000 | $ 3,805,000 | $ 0 |
| Paulding, Georgia | 1 | $ 1,755,000 | $ 1,755,000 | $ 0 |
| Peach, Georgia | 1 | $ 1,855,000 | $ 1,855,000 | $ 0 |
| Morgan, Illinois | 1 | $ 1,205,000 | $ 1,205,000 | $ 0 |
| Rock Island, Illinois | 1 | $ 6,965,000 | $ 6,965,000 | $ 0 |
| Monroe, Indiana | 1 | $ 1,365,000 | $ 1,365,000 | $ 0 |
| Vanderburgh, Indiana | 1 | $ 4,185,000 | $ 4,185,000 | $ 0 |
| Johnson, Kansas | 1 | $ 1,625,000 | $ 1,625,000 | $ 0 |
| Sedgwick, Kansas | 1 | $ 1,535,000 | $ 1,535,000 | $ 0 |
| Wyandotte, Kansas | 1 | $ 1,805,000 | $ 1,805,000 | $ 0 |
| Fayette, Kentucky | 1 | $ 5,805,000 | $ 5,805,000 | $ 0 |
| Iberia, Louisiana | 1 | $ 1,125,000 | $ 1,125,000 | $ 0 |
| St. James, Louisiana | 1 | $ 1,105,000 | $ 1,105,000 | $ 0 |
| St. Martin, Louisiana | 1 | $ 1,705,000 | $ 1,705,000 | $ 0 |
| Baltimore City, Maryland | 1 | $ 1,805,000 | $ 1,805,000 | $ 0 |
| Montgomery, Maryland | 1 | $ 1,505,000 | $ 1,505,000 | $ 0 |
| Washington, Maryland | 1 | $ 2,105,000 | $ 2,105,000 | $ 0 |
| Essex, Massachusetts | 1 | $ 1,805,000 | $ 1,805,000 | $ 0 |
| Middlesex, Massachusetts | 1 | $ 6,205,000 | $ 6,205,000 | $ 0 |
| Oakland, Michigan | 1 | $ 35,985,000 | $ 35,985,000 | $ 0 |
| Washtenaw, Michigan | 1 | $ 2,505,000 | $ 2,505,000 | $ 0 |
| Dakota, Minnesota | 1 | $ 4,605,000 | $ 4,605,000 | $ 0 |
| Ramsey, Minnesota | 1 | $ 5,605,000 | $ 5,605,000 | $ 0 |
| Clay, Mississippi | 1 | $ 1,855,000 | $ 1,855,000 | $ 0 |
| Hinds, Mississippi | 1 | $ 3,455,000 | $ 3,455,000 | $ 0 |
| Lincoln, Missouri | 1 | $ 1,765,000 | $ 1,765,000 | $ 0 |
| Bergen, New Jersey | 1 | $ 3,525,000 | $ 3,525,000 | $ 0 |
| Essex, New Jersey | 1 | $ 2,705,000 | $ 2,705,000 | $ 0 |
| Middlesex, New Jersey | 1 | $ 1,785,000 | $ 1,785,000 | $ 0 |
| Lea, New Mexico | 1 | $ 5,115,000 | $ 5,115,000 | $ 0 |
| Clinton, New York | 1 | $ 4,755,000 | $ 4,755,000 | $ 0 |
| New York, New York | 1 | $ 7,215,000 | $ 7,215,000 | $ 0 |
| Oneida, New York | 1 | $ 1,435,000 | $ 1,435,000 | $ 0 |
| Cabarrus, North Carolina | 1 | $ 1,015,000 | $ 1,015,000 | $ 0 |
| Forsyth, North Carolina | 1 | $ 1,565,000 | $ 1,565,000 | $ 0 |
| Guilford, North Carolina | 1 | $ 2,765,000 | $ 2,765,000 | $ 0 |
| Mecklenburg, North Carolina | 1 | $ 1,005,000 | $ 1,005,000 | $ 0 |
| Fairfield, Ohio | 1 | $ 1,465,000 | $ 1,465,000 | $ 0 |
| Lorain, Ohio | 1 | $ 4,505,000 | $ 4,505,000 | $ 0 |
| Summit, Ohio | 1 | $ 1,115,000 | $ 1,115,000 | $ 0 |
| Oklahoma, Oklahoma | 1 | $ 5,395,000 | $ 5,395,000 | $ 0 |
| Columbia, Oregon | 1 | $ 2,655,000 | $ 2,655,000 | $ 0 |
| Klamath, Oregon | 1 | $ 1,505,000 | $ 1,505,000 | $ 0 |
| Linn, Oregon | 1 | $ 1,725,000 | $ 1,725,000 | $ 0 |
| Cherokee, South Carolina | 1 | $ 2,045,000 | $ 2,045,000 | $ 0 |
| Orangeburg, South Carolina | 1 | $ 1,005,000 | $ 1,005,000 | $ 0 |
| Sumter, South Carolina | 1 | $ 1,835,000 | $ 1,835,000 | $ 0 |
| Brookings, South Dakota | 1 | $ 6,955,000 | $ 6,955,000 | $ 0 |
| Davidson, Tennessee | 1 | $ 2,355,000 | $ 2,355,000 | $ 0 |
| Knox, Tennessee | 1 | $ 4,045,000 | $ 4,045,000 | $ 0 |
| Atascosa, Texas | 1 | $ 1,205,000 | $ 1,205,000 | $ 0 |
| Bowie, Texas | 1 | $ 2,095,000 | $ 2,095,000 | $ 0 |
| Comal, Texas | 1 | $ 2,505,000 | $ 2,505,000 | $ 0 |
| Ellis, Texas | 1 | $ 3,785,000 | $ 3,785,000 | $ 0 |
| Karnes, Texas | 1 | $ 6,505,000 | $ 6,505,000 | $ 0 |
| McLennan, Texas | 1 | $ 6,305,000 | $ 6,305,000 | $ 0 |
| Taylor, Texas | 1 | $ 825,000 | $ 825,000 | $ 0 |
| Weber, Utah | 1 | $ 1,555,000 | $ 1,555,000 | $ 0 |
| Hampton, Virginia | 1 | $ 1,895,000 | $ 1,895,000 | $ 0 |
| Hanover, Virginia | 1 | $ 5,805,000 | $ 5,805,000 | $ 0 |
| Richmond City, Virginia | 1 | $ 1,905,000 | $ 1,905,000 | $ 0 |
| San Juan, Washington | 1 | $ 1,045,000 | $ 1,045,000 | $ 0 |
| Milwaukee, Wisconsin | 1 | $ 1,055,000 | $ 1,055,000 | $ 0 |
| Waukesha, Wisconsin | 1 | $ 2,805,000 | $ 2,805,000 | $ 0 |
Mortgage Loan Application Detail Totals for Readycap Commercial LLC in 2020
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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 210 | $605,700,000 | $2,884,000 | $21,005,000 | $0 | $0 |
| Home Purchase | 116 | $439,080,000 | $3,785,000 | $35,985,000 | $0 | $0 |
| Refinancing | 36 | $185,240,000 | $5,145,000 | $39,635,000 | $0 | $0 |
| Not Applicable | 1 | $1,565,000 | $1,565,000 | $1,565,000 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 363 | $1,231,585,000 | $3,392,000 | $39,635,000 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| White | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 363 | $1,231,585,000 | $3,392,000 | $39,635,000 | $0 | $0 |
| 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 | 188 | $645,740,000 | $3,434,000 | $35,985,000 | $0 | $0 |
| Application Withdrawn By Applicant | 121 | $346,825,000 | $2,866,000 | $7,505,000 | $0 | $0 |
| Application Denied By Financial Institution | 43 | $185,535,000 | $4,314,000 | $39,635,000 | $0 | $0 |
| Application Approved But Not Accepted | 5 | $11,995,000 | $2,399,000 | $3,525,000 | $0 | $0 |
| File Closed For Incompleteness | 5 | $40,685,000 | $8,137,000 | $21,005,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 1 | $805,000 | $805,000 | $805,000 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Not applicable | 320 | $1,046,050,000 | $3,268,000 | $35,985,000 | $0 | $0 |
| Debt-To-Income Ratio | 43 | $185,535,000 | $4,314,000 | $39,635,000 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Readycap Commercial LLC's 2020 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 Readycap Commercial LLC'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.
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