Refinance.Com Mortgage Lending & HMDA Data, 2007
In 2007, Refinance.Com of Syosset, NY reported 4,100 mortgage applications totaling $1.1 billion, down 46% from 2006. The average application was for $271,829, and applicants reported an average income of $87,437. 46% of its applications resulted in an originated loan and 14% were denied. Its largest markets were New York-White Plains-Wayne, NY-NJ (641), Nassau-Suffolk, NY (364) and Washington-Arlington-Alexandria, DC-VA-MD-WV (309) (applications in parentheses).
| Mortgage Company & Address | Refinance.Com 60 Oak Drive Syosset, NY 11791 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2004 2003 |
| Total Number of Mortgage Applications | 4,100 |
| Total Mortgage Loan Application Amount | $1,114,500,000 |
| Average Mortgage Loan Application Amount | $271,829 |
| Highest Mortgage Loan Application Amount | $1,800,000 |
| Average Applicant Income | $87,437 |
| Highest Applicant Income | $1,000,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Refinance.Com filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Suffolk, New York | 222 | $ 70,393,000 | $ 317,085 | $ 100,000 |
| Nassau, New York | 142 | $ 48,863,000 | $ 344,105 | $ 114,000 |
| Queens, New York | 131 | $ 43,766,000 | $ 334,091 | $ 83,000 |
| Kings, New York | 99 | $ 36,849,000 | $ 372,212 | $ 96,000 |
| Essex, New Jersey | 88 | $ 25,445,000 | $ 289,147 | $ 87,000 |
| Bergen, New Jersey | 74 | $ 25,656,000 | $ 346,702 | $ 131,000 |
| Ocean, New Jersey | 72 | $ 19,525,000 | $ 271,180 | $ 82,000 |
| Prince George's, Maryland | 70 | $ 18,819,000 | $ 268,842 | $ 73,000 |
| Richmond, New York | 70 | $ 21,831,000 | $ 311,871 | $ 99,000 |
| Monmouth, New Jersey | 69 | $ 24,034,000 | $ 348,318 | $ 109,000 |
| New Haven, Connecticut | 67 | $ 16,220,000 | $ 242,089 | $ 85,000 |
| Westchester, New York | 65 | $ 22,644,000 | $ 348,369 | $ 126,000 |
| Fairfield, Connecticut | 60 | $ 20,292,000 | $ 338,200 | $ 117,000 |
| Burlington, New Jersey | 59 | $ 14,365,000 | $ 243,474 | $ 95,000 |
| Broward, Florida | 56 | $ 14,849,000 | $ 265,160 | $ 81,000 |
| Middlesex, New Jersey | 54 | $ 14,945,000 | $ 276,759 | $ 93,000 |
| Camden, New Jersey | 52 | $ 12,223,000 | $ 235,057 | $ 84,000 |
| Hartford, Connecticut | 51 | $ 11,184,000 | $ 219,294 | $ 81,000 |
| Fairfax, Virginia | 50 | $ 19,651,000 | $ 393,020 | $ 132,000 |
| Orange, New York | 49 | $ 12,390,000 | $ 252,857 | $ 88,000 |
| Gloucester, New Jersey | 47 | $ 9,819,000 | $ 208,914 | $ 71,000 |
| Passaic, New Jersey | 47 | $ 13,303,000 | $ 283,042 | $ 88,000 |
| Union, New Jersey | 46 | $ 13,220,000 | $ 287,391 | $ 98,000 |
| Baltimore, Maryland | 44 | $ 10,196,000 | $ 231,727 | $ 70,000 |
| Bronx, New York | 43 | $ 14,848,000 | $ 345,302 | $ 81,000 |
| Rockland, New York | 42 | $ 14,580,000 | $ 347,142 | $ 103,000 |
| Prince William, Virginia | 42 | $ 12,324,000 | $ 293,428 | $ 94,000 |
| Miami-Dade, Florida | 41 | $ 11,783,000 | $ 287,390 | $ 87,000 |
| Dutchess, New York | 41 | $ 11,291,000 | $ 275,390 | $ 94,000 |
| Montgomery, Maryland | 38 | $ 12,838,000 | $ 337,842 | $ 97,000 |
| Palm Beach, Florida | 34 | $ 8,797,000 | $ 258,735 | $ 76,000 |
| Morris, New Jersey | 33 | $ 13,225,000 | $ 400,757 | $ 110,000 |
| Atlantic, New Jersey | 32 | $ 7,925,000 | $ 247,656 | $ 80,000 |
| Anne Arundel, Maryland | 31 | $ 8,371,000 | $ 270,032 | $ 77,000 |
| New York, New York | 30 | $ 12,613,000 | $ 420,433 | $ 147,000 |
| District of Columbia, District Of Columbia | 29 | $ 10,009,000 | $ 345,137 | $ 106,000 |
| Sussex, New Jersey | 28 | $ 7,255,000 | $ 259,107 | $ 96,000 |
| Polk, Florida | 27 | $ 4,539,000 | $ 168,111 | $ 55,000 |
| Virginia Beach, Virginia | 27 | $ 6,534,000 | $ 242,000 | $ 71,000 |
| Duval, Florida | 26 | $ 4,943,000 | $ 190,115 | $ 78,000 |
| Hillsborough, Florida | 26 | $ 5,436,000 | $ 209,076 | $ 75,000 |
| Mercer, New Jersey | 26 | $ 5,608,000 | $ 215,692 | $ 80,000 |
| Chesapeake, Virginia | 25 | $ 5,564,000 | $ 222,560 | $ 71,000 |
| Orange, Florida | 24 | $ 5,455,000 | $ 227,291 | $ 78,000 |
| Stafford, Virginia | 24 | $ 8,438,000 | $ 351,583 | $ 106,000 |
| Hudson, New Jersey | 22 | $ 6,602,000 | $ 300,090 | $ 106,000 |
| Charles, Maryland | 21 | $ 6,175,000 | $ 294,047 | $ 97,000 |
| Cape May, New Jersey | 21 | $ 5,499,000 | $ 261,857 | $ 113,000 |
| Ulster, New York | 21 | $ 4,947,000 | $ 235,571 | $ 84,000 |
| Lee, Florida | 20 | $ 4,969,000 | $ 248,450 | $ 80,000 |
| Somerset, New Jersey | 20 | $ 6,492,000 | $ 324,600 | $ 108,000 |
| Chesterfield, Virginia | 20 | $ 4,078,000 | $ 203,900 | $ 70,000 |
| New London, Connecticut | 19 | $ 4,018,000 | $ 211,473 | $ 70,000 |
| Pinellas, Florida | 19 | $ 4,958,000 | $ 260,947 | $ 94,000 |
| Loudoun, Virginia | 19 | $ 6,704,000 | $ 352,842 | $ 109,000 |
| Litchfield, Connecticut | 18 | $ 4,499,000 | $ 249,944 | $ 89,000 |
| Seminole, Florida | 18 | $ 3,215,000 | $ 178,611 | $ 70,000 |
| Putnam, New York | 18 | $ 6,172,000 | $ 342,888 | $ 101,000 |
| Montgomery, Pennsylvania | 18 | $ 4,491,000 | $ 249,500 | $ 75,000 |
| St. Lucie, Florida | 17 | $ 4,064,000 | $ 239,058 | $ 63,000 |
| Cumberland, New Jersey | 17 | $ 3,154,000 | $ 185,529 | $ 85,000 |
| York, Pennsylvania | 17 | $ 3,355,000 | $ 197,352 | $ 81,000 |
| Spotsylvania, Virginia | 17 | $ 5,515,000 | $ 324,411 | $ 86,000 |
| Bucks, Pennsylvania | 16 | $ 3,458,000 | $ 216,125 | $ 78,000 |
| Philadelphia, Pennsylvania | 16 | $ 2,341,000 | $ 146,312 | $ 76,000 |
| Saratoga, New York | 15 | $ 3,341,000 | $ 222,733 | $ 80,000 |
| Pasco, Florida | 14 | $ 2,828,000 | $ 202,000 | $ 78,000 |
| Warren, New Jersey | 14 | $ 3,678,000 | $ 262,714 | $ 80,000 |
| Delaware, Pennsylvania | 14 | $ 3,133,000 | $ 223,785 | $ 73,000 |
| Middlesex, Connecticut | 13 | $ 3,648,000 | $ 280,615 | $ 96,000 |
| Lake, Florida | 13 | $ 2,748,000 | $ 211,384 | $ 68,000 |
| Osceola, Florida | 13 | $ 2,787,000 | $ 214,384 | $ 52,000 |
| Volusia, Florida | 13 | $ 2,917,000 | $ 224,384 | $ 95,000 |
| Baltimore City, Maryland | 13 | $ 3,345,000 | $ 257,307 | $ 78,000 |
| Allegheny, Pennsylvania | 13 | $ 1,738,000 | $ 133,692 | $ 58,000 |
| Monroe, Pennsylvania | 13 | $ 2,665,000 | $ 205,000 | $ 81,000 |
| Collier, Florida | 12 | $ 4,318,000 | $ 359,833 | $ 102,000 |
| Marion, Florida | 12 | $ 2,471,000 | $ 205,916 | $ 66,000 |
| Frederick, Maryland | 12 | $ 3,529,000 | $ 294,083 | $ 97,000 |
| Harford, Maryland | 12 | $ 3,022,000 | $ 251,833 | $ 65,000 |
| Washington, Maryland | 12 | $ 2,785,000 | $ 232,083 | $ 59,000 |
| Worcester, Massachusetts | 12 | $ 2,281,000 | $ 190,083 | $ 69,000 |
| Henrico, Virginia | 12 | $ 2,804,000 | $ 233,666 | $ 70,000 |
| Carroll, Maryland | 11 | $ 3,269,000 | $ 297,181 | $ 85,000 |
| Tolland, Connecticut | 10 | $ 2,229,000 | $ 222,900 | $ 64,000 |
| Windham, Connecticut | 10 | $ 2,312,000 | $ 231,200 | $ 65,000 |
| New Castle, Delaware | 10 | $ 2,077,000 | $ 207,700 | $ 60,000 |
| Howard, Maryland | 10 | $ 3,323,000 | $ 332,300 | $ 97,000 |
| Hunterdon, New Jersey | 10 | $ 3,774,000 | $ 377,400 | $ 96,000 |
| Greene, New York | 10 | $ 2,122,000 | $ 212,200 | $ 67,000 |
| Sullivan, New York | 10 | $ 2,372,000 | $ 237,200 | $ 60,000 |
| Northampton, Pennsylvania | 10 | $ 2,472,000 | $ 247,200 | $ 75,000 |
| Hampton, Virginia | 10 | $ 1,995,000 | $ 199,500 | $ 67,000 |
| Norfolk, Virginia | 10 | $ 1,872,000 | $ 187,200 | $ 47,000 |
| Brevard, Florida | 9 | $ 1,976,000 | $ 219,555 | $ 45,000 |
| Sarasota, Florida | 9 | $ 1,938,000 | $ 215,333 | $ 159,000 |
| Bristol, Massachusetts | 9 | $ 2,091,000 | $ 232,333 | $ 60,000 |
| Middlesex, Massachusetts | 9 | $ 3,661,000 | $ 406,777 | $ 121,000 |
| Norfolk, Massachusetts | 9 | $ 2,857,000 | $ 317,444 | $ 76,000 |
| Onondaga, New York | 9 | $ 1,440,000 | $ 160,000 | $ 79,000 |
| Chester, Pennsylvania | 9 | $ 2,355,000 | $ 261,666 | $ 89,000 |
| Frederick, Virginia | 9 | $ 2,662,000 | $ 295,777 | $ 88,000 |
| Clay, Florida | 8 | $ 1,336,000 | $ 167,000 | $ 64,000 |
| St. Johns, Florida | 8 | $ 3,281,000 | $ 410,125 | $ 117,000 |
| St. Mary's, Maryland | 8 | $ 2,130,000 | $ 266,250 | $ 90,000 |
| Salem, New Jersey | 8 | $ 2,157,000 | $ 269,625 | $ 123,000 |
| Erie, New York | 8 | $ 1,416,000 | $ 177,000 | $ 58,000 |
| Schenectady, New York | 8 | $ 1,029,000 | $ 128,625 | $ 77,000 |
| Cumberland, Pennsylvania | 8 | $ 1,350,000 | $ 168,750 | $ 54,000 |
| Franklin, Pennsylvania | 8 | $ 2,103,000 | $ 262,875 | $ 95,000 |
| Gloucester, Virginia | 8 | $ 1,468,000 | $ 183,500 | $ 62,000 |
| Charlotte, Florida | 7 | $ 1,450,000 | $ 207,142 | $ 49,000 |
| Gadsden, Florida | 7 | $ 1,204,000 | $ 172,000 | $ 71,000 |
| Manatee, Florida | 7 | $ 2,059,000 | $ 294,142 | $ 73,000 |
| Cecil, Maryland | 7 | $ 1,755,000 | $ 250,714 | $ 108,000 |
| Plymouth, Massachusetts | 7 | $ 2,834,000 | $ 404,857 | $ 89,000 |
| St. Louis, Missouri | 7 | $ 1,184,000 | $ 169,142 | $ 86,000 |
| Warren, New York | 7 | $ 1,458,000 | $ 208,285 | $ 62,000 |
| Lancaster, Pennsylvania | 7 | $ 1,109,000 | $ 158,428 | $ 68,000 |
| Fauquier, Virginia | 7 | $ 2,476,000 | $ 353,714 | $ 74,000 |
| Newport News, Virginia | 7 | $ 1,498,000 | $ 214,000 | $ 70,000 |
| Portsmouth, Virginia | 7 | $ 1,360,000 | $ 194,285 | $ 74,000 |
| Los Angeles, California | 6 | $ 1,795,000 | $ 299,166 | $ 73,000 |
| Riverside, California | 6 | $ 1,977,000 | $ 329,500 | $ 89,000 |
| Hernando, Florida | 6 | $ 1,207,000 | $ 201,166 | $ 77,000 |
| Monroe, Florida | 6 | $ 2,321,000 | $ 386,833 | $ 90,000 |
| Lake, Indiana | 6 | $ 991,000 | $ 165,166 | $ 55,000 |
| Oakland, Michigan | 6 | $ 1,168,000 | $ 194,666 | $ 67,000 |
| Wayne, Michigan | 6 | $ 1,005,000 | $ 167,500 | $ 66,000 |
| Bernalillo, New Mexico | 6 | $ 1,011,000 | $ 168,500 | $ 41,000 |
| Albany, New York | 6 | $ 1,143,000 | $ 190,500 | $ 55,000 |
| Delaware, New York | 6 | $ 1,848,000 | $ 308,000 | $ 83,000 |
| Beaufort, South Carolina | 6 | $ 1,332,000 | $ 222,000 | $ 125,000 |
| Orange, Virginia | 6 | $ 1,777,000 | $ 296,166 | $ 64,000 |
| Shenandoah, Virginia | 6 | $ 1,179,000 | $ 196,500 | $ 62,000 |
| Warren, Virginia | 6 | $ 1,436,000 | $ 239,333 | $ 73,000 |
| Bay, Florida | 5 | $ 940,000 | $ 188,000 | $ 83,000 |
| Escambia, Florida | 5 | $ 841,000 | $ 168,200 | $ 77,000 |
| Flagler, Florida | 5 | $ 1,313,000 | $ 262,600 | $ 63,000 |
| Martin, Florida | 5 | $ 1,053,000 | $ 210,600 | $ 52,000 |
| York, Maine | 5 | $ 1,012,000 | $ 202,400 | $ 58,000 |
| Barnstable, Massachusetts | 5 | $ 1,199,000 | $ 239,800 | $ 51,000 |
| Hampden, Massachusetts | 5 | $ 996,000 | $ 199,200 | $ 60,000 |
| Monroe, New York | 5 | $ 1,153,000 | $ 230,600 | $ 100,000 |
| Niagara, New York | 5 | $ 845,000 | $ 169,000 | $ 68,000 |
| Rensselaer, New York | 5 | $ 891,000 | $ 178,200 | $ 59,000 |
| Lehigh, Pennsylvania | 5 | $ 1,034,000 | $ 206,800 | $ 72,000 |
| Washington, Pennsylvania | 5 | $ 852,000 | $ 170,400 | $ 59,000 |
| Charleston, South Carolina | 5 | $ 1,408,000 | $ 281,600 | $ 66,000 |
| Alexandria, Virginia | 5 | $ 1,340,000 | $ 268,000 | $ 69,000 |
| Caroline, Virginia | 5 | $ 985,000 | $ 197,000 | $ 51,000 |
| Manassas Park, Virginia | 5 | $ 1,576,000 | $ 315,200 | $ 87,000 |
| Prince George, Virginia | 5 | $ 1,047,000 | $ 209,400 | $ 89,000 |
| Richmond City, Virginia | 5 | $ 1,208,000 | $ 241,600 | $ 88,000 |
| Roanoke, Virginia | 5 | $ 928,000 | $ 185,600 | $ 75,000 |
| Fresno, California | 4 | $ 868,000 | $ 217,000 | $ 52,000 |
| Arapahoe, Colorado | 4 | $ 892,000 | $ 223,000 | $ 89,000 |
| Denver, Colorado | 4 | $ 1,047,000 | $ 261,750 | $ 78,000 |
| Okaloosa, Florida | 4 | $ 811,000 | $ 202,750 | $ 61,000 |
| Essex, Massachusetts | 4 | $ 1,241,000 | $ 310,250 | $ 131,000 |
| Franklin, Massachusetts | 4 | $ 683,000 | $ 170,750 | $ 41,000 |
| Suffolk, Massachusetts | 4 | $ 838,000 | $ 209,500 | $ 73,000 |
| Livingston, Michigan | 4 | $ 848,000 | $ 212,000 | $ 78,000 |
| Hennepin, Minnesota | 4 | $ 696,000 | $ 174,000 | $ 88,000 |
| Columbia, New York | 4 | $ 942,000 | $ 235,500 | $ 76,000 |
| Otsego, New York | 4 | $ 1,084,000 | $ 271,000 | $ 88,000 |
| Schuyler, New York | 4 | $ 579,000 | $ 144,750 | $ 52,000 |
| Washington, New York | 4 | $ 2,254,000 | $ 563,500 | $ 221,000 |
| Adams, Pennsylvania | 4 | $ 794,000 | $ 198,500 | $ 71,000 |
| Luzerne, Pennsylvania | 4 | $ 692,000 | $ 173,000 | $ 61,000 |
| Pike, Pennsylvania | 4 | $ 720,000 | $ 180,000 | $ 54,000 |
| Horry, South Carolina | 4 | $ 524,000 | $ 131,000 | $ 71,000 |
| Albemarle, Virginia | 4 | $ 1,356,000 | $ 339,000 | $ 149,000 |
| Augusta, Virginia | 4 | $ 738,000 | $ 184,500 | $ 72,000 |
| Charles City, Virginia | 4 | $ 1,125,000 | $ 281,250 | $ 78,000 |
| Culpeper, Virginia | 4 | $ 989,000 | $ 247,250 | $ 91,000 |
| Isle of Wight, Virginia | 4 | $ 1,298,000 | $ 324,500 | $ 106,000 |
| King William, Virginia | 4 | $ 665,000 | $ 166,250 | $ 75,000 |
| Manassas, Virginia | 4 | $ 1,231,000 | $ 307,750 | $ 75,000 |
| Rockingham, Virginia | 4 | $ 835,000 | $ 208,750 | $ 45,000 |
| York, Virginia | 4 | $ 803,000 | $ 200,750 | $ 76,000 |
| Anchorage, Alaska | 3 | $ 785,000 | $ 261,666 | $ 101,000 |
| Alameda, California | 3 | $ 1,815,000 | $ 605,000 | $ 149,000 |
| San Bernardino, California | 3 | $ 547,000 | $ 182,333 | $ 66,000 |
| Montezuma, Colorado | 3 | $ 661,000 | $ 220,333 | $ 60,000 |
| Kent, Delaware | 3 | $ 737,000 | $ 245,666 | $ 53,000 |
| Citrus, Florida | 3 | $ 813,000 | $ 271,000 | $ 65,000 |
| Leon, Florida | 3 | $ 717,000 | $ 239,000 | $ 99,000 |
| Nassau, Florida | 3 | $ 1,393,000 | $ 464,333 | $ 65,000 |
| Marion, Indiana | 3 | $ 538,000 | $ 179,333 | $ 78,000 |
| Wayne, Indiana | 3 | $ 394,000 | $ 131,333 | $ 61,000 |
| Calvert, Maryland | 3 | $ 684,000 | $ 228,000 | $ 54,000 |
| Caroline, Maryland | 3 | $ 595,000 | $ 198,333 | $ 62,000 |
| Dorchester, Maryland | 3 | $ 426,000 | $ 142,000 | $ 41,000 |
| Macomb, Michigan | 3 | $ 601,000 | $ 200,333 | $ 61,000 |
| Ottawa, Michigan | 3 | $ 556,000 | $ 185,333 | $ 83,000 |
| Anoka, Minnesota | 3 | $ 555,000 | $ 185,000 | $ 58,000 |
| Ramsey, Minnesota | 3 | $ 619,000 | $ 206,333 | $ 58,000 |
| St. Charles, Missouri | 3 | $ 525,000 | $ 175,000 | $ 77,000 |
| Flathead, Montana | 3 | $ 531,000 | $ 177,000 | $ 36,000 |
| Santa Fe, New Mexico | 3 | $ 418,000 | $ 139,333 | $ 77,000 |
| Broome, New York | 3 | $ 532,000 | $ 177,333 | $ 51,000 |
| Clinton, New York | 3 | $ 424,000 | $ 141,333 | $ 61,000 |
| Franklin, New York | 3 | $ 495,000 | $ 165,000 | $ 56,000 |
| Seneca, New York | 3 | $ 602,000 | $ 200,666 | $ 109,000 |
| Multnomah, Oregon | 3 | $ 686,000 | $ 228,666 | $ 62,000 |
| Butler, Pennsylvania | 3 | $ 851,000 | $ 283,666 | $ 107,000 |
| Dauphin, Pennsylvania | 3 | $ 537,000 | $ 179,000 | $ 68,000 |
| Berkeley, South Carolina | 3 | $ 499,000 | $ 166,333 | $ 70,000 |
| Dorchester, South Carolina | 3 | $ 479,000 | $ 159,666 | $ 46,000 |
| Florence, South Carolina | 3 | $ 623,000 | $ 207,666 | $ 59,000 |
| Lexington, South Carolina | 3 | $ 423,000 | $ 141,000 | $ 69,000 |
| Arlington, Virginia | 3 | $ 927,000 | $ 309,000 | $ 98,000 |
| Bristol, Virginia | 3 | $ 448,000 | $ 149,333 | $ 95,000 |
| Fluvanna, Virginia | 3 | $ 641,000 | $ 213,666 | $ 48,000 |
| Middlesex, Virginia | 3 | $ 595,000 | $ 198,333 | $ 71,000 |
| Powhatan, Virginia | 3 | $ 597,000 | $ 199,000 | $ 140,000 |
| Southampton, Virginia | 3 | $ 637,000 | $ 212,333 | $ 66,000 |
| Suffolk, Virginia | 3 | $ 937,000 | $ 312,333 | $ 87,000 |
| Prince of Wales-Outer Ketchikan, Alaska | 2 | $ 284,000 | $ 142,000 | $ 60,000 |
| Kern, California | 2 | $ 452,000 | $ 226,000 | $ 100,000 |
| Orange, California | 2 | $ 735,000 | $ 367,500 | $ 173,000 |
| Adams, Colorado | 2 | $ 455,000 | $ 227,500 | $ 65,000 |
| Eagle, Colorado | 2 | $ 1,148,000 | $ 574,000 | $ 150,000 |
| El Paso, Colorado | 2 | $ 327,000 | $ 163,500 | $ 41,000 |
| Jefferson, Colorado | 2 | $ 450,000 | $ 225,000 | $ 95,000 |
| Las Animas, Colorado | 2 | $ 430,000 | $ 215,000 | $ 50,000 |
| Weld, Colorado | 2 | $ 409,000 | $ 204,500 | $ 61,000 |
| Sussex, Delaware | 2 | $ 393,000 | $ 196,500 | $ 75,000 |
| Alachua, Florida | 2 | $ 956,000 | $ 478,000 | $ 170,000 |
| Columbia, Florida | 2 | $ 343,000 | $ 171,500 | $ 45,000 |
| Gilchrist, Florida | 2 | $ 325,000 | $ 162,500 | $ 38,000 |
| Indian River, Florida | 2 | $ 306,000 | $ 153,000 | $ 71,000 |
| Okeechobee, Florida | 2 | $ 333,000 | $ 166,500 | $ 43,000 |
| Wakulla, Florida | 2 | $ 438,000 | $ 219,000 | $ 133,000 |
| Walton, Florida | 2 | $ 701,000 | $ 350,500 | $ 140,000 |
| Cook, Illinois | 2 | $ 638,000 | $ 319,000 | $ 98,000 |
| Elkhart, Indiana | 2 | $ 317,000 | $ 158,500 | $ 72,000 |
| Hamilton, Indiana | 2 | $ 392,000 | $ 196,000 | $ 69,000 |
| Parke, Indiana | 2 | $ 274,000 | $ 137,000 | $ 65,000 |
| Cumberland, Maine | 2 | $ 335,000 | $ 167,500 | $ 60,000 |
| Allegany, Maryland | 2 | $ 331,000 | $ 165,500 | $ 65,000 |
| Garrett, Maryland | 2 | $ 479,000 | $ 239,500 | $ 90,000 |
| Wicomico, Maryland | 2 | $ 382,000 | $ 191,000 | $ 53,000 |
| Allegan, Michigan | 2 | $ 304,000 | $ 152,000 | $ 39,000 |
| Cass, Michigan | 2 | $ 325,000 | $ 162,500 | $ 54,000 |
| Kent, Michigan | 2 | $ 281,000 | $ 140,500 | $ 61,000 |
| Lapeer, Michigan | 2 | $ 403,000 | $ 201,500 | $ 63,000 |
| Marquette, Michigan | 2 | $ 309,000 | $ 154,500 | $ 57,000 |
| Mason, Michigan | 2 | $ 328,000 | $ 164,000 | $ 47,000 |
| Midland, Michigan | 2 | $ 313,000 | $ 156,500 | $ 80,000 |
| Saginaw, Michigan | 2 | $ 297,000 | $ 148,500 | $ 52,000 |
| Gallatin, Montana | 2 | $ 474,000 | $ 237,000 | $ 23,000 |
| Lewis and Clark, Montana | 2 | $ 374,000 | $ 187,000 | $ 76,000 |
| Seward, Nebraska | 2 | $ 158,000 | $ 79,000 | $ 100,000 |
| Cayuga, New York | 2 | $ 393,000 | $ 196,500 | $ 126,000 |
| Chautauqua, New York | 2 | $ 447,000 | $ 223,500 | $ 162,000 |
| Chemung, New York | 2 | $ 331,000 | $ 165,500 | $ 39,000 |
| Livingston, New York | 2 | $ 255,000 | $ 127,500 | $ 47,000 |
| Oneida, New York | 2 | $ 552,000 | $ 276,000 | $ 174,000 |
| Steuben, New York | 2 | $ 321,000 | $ 160,500 | $ 70,000 |
| Tioga, New York | 2 | $ 244,000 | $ 122,000 | $ 76,000 |
| Wayne, New York | 2 | $ 220,000 | $ 110,000 | $ 38,000 |
| Oklahoma, Oklahoma | 2 | $ 373,000 | $ 186,500 | $ 89,000 |
| Berks, Pennsylvania | 2 | $ 790,000 | $ 395,000 | $ 57,000 |
| Westmoreland, Pennsylvania | 2 | $ 288,000 | $ 144,000 | $ 100,000 |
| Anderson, South Carolina | 2 | $ 289,000 | $ 144,500 | $ 38,000 |
| Greenville, South Carolina | 2 | $ 171,000 | $ 85,500 | $ 23,000 |
| Richland, South Carolina | 2 | $ 351,000 | $ 175,500 | $ 59,000 |
| Spartanburg, South Carolina | 2 | $ 371,000 | $ 185,500 | $ 56,000 |
| Davidson, Tennessee | 2 | $ 292,000 | $ 146,000 | $ 31,000 |
| Lawrence, Tennessee | 2 | $ 211,000 | $ 105,500 | $ 57,000 |
| Accomack, Virginia | 2 | $ 261,000 | $ 130,500 | $ 35,000 |
| Amelia, Virginia | 2 | $ 380,000 | $ 190,000 | $ 61,000 |
| Dinwiddie, Virginia | 2 | $ 396,000 | $ 198,000 | $ 70,000 |
| Fredericksburg, Virginia | 2 | $ 359,000 | $ 179,500 | $ 76,000 |
| Goochland, Virginia | 2 | $ 901,000 | $ 450,500 | $ 96,000 |
| Harrisonburg, Virginia | 2 | $ 300,000 | $ 150,000 | $ 84,000 |
| Lancaster, Virginia | 2 | $ 666,000 | $ 333,000 | $ 150,000 |
| Nelson, Virginia | 2 | $ 610,000 | $ 305,000 | $ 113,000 |
| New Kent, Virginia | 2 | $ 496,000 | $ 248,000 | $ 143,000 |
| Roanoke City, Virginia | 2 | $ 282,000 | $ 141,000 | $ 46,000 |
| Tazewell, Virginia | 2 | $ 284,000 | $ 142,000 | $ 55,000 |
| Westmoreland, Virginia | 2 | $ 485,000 | $ 242,500 | $ 70,000 |
| Benton, Washington | 2 | $ 194,000 | $ 97,000 | $ 101,000 |
| Juneau, Alaska | 1 | $ 172,000 | $ 172,000 | $ 38,000 |
| Matanuska-Susitna, Alaska | 1 | $ 243,000 | $ 243,000 | $ 96,000 |
| Pinal, Arizona | 1 | $ 105,000 | $ 105,000 | $ 39,000 |
| Amador, California | 1 | $ 281,000 | $ 281,000 | $ 64,000 |
| Butte, California | 1 | $ 181,000 | $ 181,000 | $ 35,000 |
| Plumas, California | 1 | $ 222,000 | $ 222,000 | $ 49,000 |
| Sacramento, California | 1 | $ 265,000 | $ 265,000 | $ 71,000 |
| San Diego, California | 1 | $ 619,000 | $ 619,000 | $ 159,000 |
| San Luis Obispo, California | 1 | $ 289,000 | $ 289,000 | $ 69,000 |
| Ventura, California | 1 | $ 100,000 | $ 100,000 | $ 139,000 |
| Douglas, Colorado | 1 | $ 250,000 | $ 250,000 | $ 84,000 |
| Garfield, Colorado | 1 | $ 235,000 | $ 235,000 | $ 77,000 |
| Larimer, Colorado | 1 | $ 143,000 | $ 143,000 | $ 89,000 |
| Mesa, Colorado | 1 | $ 163,000 | $ 163,000 | $ 32,000 |
| Pueblo, Colorado | 1 | $ 181,000 | $ 181,000 | $ 48,000 |
| Routt, Colorado | 1 | $ 287,000 | $ 287,000 | $ 150,000 |
| Bradford, Florida | 1 | $ 133,000 | $ 133,000 | $ 72,000 |
| DeSoto, Florida | 1 | $ 320,000 | $ 320,000 | $ 110,000 |
| Dixie, Florida | 1 | $ 127,000 | $ 127,000 | $ 33,000 |
| Gulf, Florida | 1 | $ 183,000 | $ 183,000 | $ 61,000 |
| Hardee, Florida | 1 | $ 172,000 | $ 172,000 | $ 37,000 |
| Hendry, Florida | 1 | $ 135,000 | $ 135,000 | $ 80,000 |
| Jackson, Florida | 1 | $ 236,000 | $ 236,000 | $ 20,000 |
| Santa Rosa, Florida | 1 | $ 250,000 | $ 250,000 | $ 62,000 |
| Sumter, Florida | 1 | $ 177,000 | $ 177,000 | $ 60,000 |
| Newton, Georgia | 1 | $ 72,000 | $ 72,000 | $ 111,000 |
| Champaign, Illinois | 1 | $ 125,000 | $ 125,000 | $ 50,000 |
| Madison, Illinois | 1 | $ 96,000 | $ 96,000 | $ 24,000 |
| McDonough, Illinois | 1 | $ 121,000 | $ 121,000 | $ 62,000 |
| Allen, Indiana | 1 | $ 106,000 | $ 106,000 | $ 22,000 |
| Boone, Indiana | 1 | $ 140,000 | $ 140,000 | $ 139,000 |
| Decatur, Indiana | 1 | $ 180,000 | $ 180,000 | $ 89,000 |
| Hancock, Indiana | 1 | $ 164,000 | $ 164,000 | $ 61,000 |
| Hendricks, Indiana | 1 | $ 448,000 | $ 448,000 | $ 153,000 |
| Jennings, Indiana | 1 | $ 178,000 | $ 178,000 | $ 52,000 |
| Johnson, Indiana | 1 | $ 147,000 | $ 147,000 | $ 62,000 |
| Montgomery, Indiana | 1 | $ 291,000 | $ 291,000 | $ 78,000 |
| St. Joseph, Indiana | 1 | $ 158,000 | $ 158,000 | $ 60,000 |
| Androscoggin, Maine | 1 | $ 140,000 | $ 140,000 | $ 31,000 |
| Aroostook, Maine | 1 | $ 132,000 | $ 132,000 | $ 76,000 |
| Somerset, Maine | 1 | $ 164,000 | $ 164,000 | $ 30,000 |
| Queen Anne's, Maryland | 1 | $ 337,000 | $ 337,000 | $ 77,000 |
| Somerset, Maryland | 1 | $ 230,000 | $ 230,000 | $ 70,000 |
| Talbot, Maryland | 1 | $ 273,000 | $ 273,000 | $ 123,000 |
| Worcester, Maryland | 1 | $ 219,000 | $ 219,000 | $ 34,000 |
| Berkshire, Massachusetts | 1 | $ 174,000 | $ 174,000 | $ 27,000 |
| Barry, Michigan | 1 | $ 202,000 | $ 202,000 | $ 103,000 |
| Berrien, Michigan | 1 | $ 129,000 | $ 129,000 | $ 50,000 |
| Eaton, Michigan | 1 | $ 185,000 | $ 185,000 | $ 64,000 |
| Genesee, Michigan | 1 | $ 221,000 | $ 221,000 | $ 62,000 |
| Hillsdale, Michigan | 1 | $ 120,000 | $ 120,000 | $ 35,000 |
| Houghton, Michigan | 1 | $ 345,000 | $ 345,000 | $ 59,000 |
| Huron, Michigan | 1 | $ 77,000 | $ 77,000 | $ 37,000 |
| Jackson, Michigan | 1 | $ 156,000 | $ 156,000 | $ 73,000 |
| Monroe, Michigan | 1 | $ 205,000 | $ 205,000 | $ 114,000 |
| Muskegon, Michigan | 1 | $ 219,000 | $ 219,000 | $ 62,000 |
| Presque Isle, Michigan | 1 | $ 60,000 | $ 60,000 | $ 14,000 |
| Sanilac, Michigan | 1 | $ 170,000 | $ 170,000 | $ 30,000 |
| Van Buren, Michigan | 1 | $ 190,000 | $ 190,000 | $ 93,000 |
| Washtenaw, Michigan | 1 | $ 200,000 | $ 200,000 | $ 85,000 |
| Blue Earth, Minnesota | 1 | $ 140,000 | $ 140,000 | $ 42,000 |
| Chisago, Minnesota | 1 | $ 325,000 | $ 325,000 | $ 67,000 |
| Crow Wing, Minnesota | 1 | $ 203,000 | $ 203,000 | $ 52,000 |
| Dakota, Minnesota | 1 | $ 254,000 | $ 254,000 | $ 95,000 |
| Isanti, Minnesota | 1 | $ 230,000 | $ 230,000 | $ 58,000 |
| Kanabec, Minnesota | 1 | $ 166,000 | $ 166,000 | $ 77,000 |
| Mille Lacs, Minnesota | 1 | $ 191,000 | $ 191,000 | $ 79,000 |
| Olmsted, Minnesota | 1 | $ 163,000 | $ 163,000 | $ 64,000 |
| Rice, Minnesota | 1 | $ 159,000 | $ 159,000 | $ 40,000 |
| Scott, Minnesota | 1 | $ 192,000 | $ 192,000 | $ 63,000 |
| St. Louis, Minnesota | 1 | $ 187,000 | $ 187,000 | $ 79,000 |
| Washington, Minnesota | 1 | $ 196,000 | $ 196,000 | $ 48,000 |
| Wright, Minnesota | 1 | $ 143,000 | $ 143,000 | $ 50,000 |
| Christian, Missouri | 1 | $ 133,000 | $ 133,000 | $ 52,000 |
| Cole, Missouri | 1 | $ 175,000 | $ 175,000 | $ 51,000 |
| Dunklin, Missouri | 1 | $ 94,000 | $ 94,000 | $ 37,000 |
| Franklin, Missouri | 1 | $ 194,000 | $ 194,000 | $ 30,000 |
| Greene, Missouri | 1 | $ 251,000 | $ 251,000 | $ 102,000 |
| Jackson, Missouri | 1 | $ 134,000 | $ 134,000 | $ 92,000 |
| St. Francois, Missouri | 1 | $ 157,000 | $ 157,000 | $ 18,000 |
| Ste. Genevieve, Missouri | 1 | $ 170,000 | $ 170,000 | $ 93,000 |
| Taney, Missouri | 1 | $ 376,000 | $ 376,000 | $ 226,000 |
| Fergus, Montana | 1 | $ 135,000 | $ 135,000 | $ 34,000 |
| Sanders, Montana | 1 | $ 302,000 | $ 302,000 | $ 110,000 |
| Yellowstone, Montana | 1 | $ 162,000 | $ 162,000 | $ 42,000 |
| Cass, Nebraska | 1 | $ 198,000 | $ 198,000 | $ 56,000 |
| Douglas, Nebraska | 1 | $ 286,000 | $ 286,000 | $ 200,000 |
| Dona Ana, New Mexico | 1 | $ 136,000 | $ 136,000 | $ 91,000 |
| San Juan, New Mexico | 1 | $ 204,000 | $ 204,000 | $ 88,000 |
| Taos, New Mexico | 1 | $ 281,000 | $ 281,000 | $ 120,000 |
| Valencia, New Mexico | 1 | $ 286,000 | $ 286,000 | $ 35,000 |
| Allegany, New York | 1 | $ 256,000 | $ 256,000 | $ 147,000 |
| Chenango, New York | 1 | $ 207,000 | $ 207,000 | $ 78,000 |
| Fulton, New York | 1 | $ 135,000 | $ 135,000 | $ 65,000 |
| Hamilton, New York | 1 | $ 338,000 | $ 338,000 | $ 68,000 |
| Jefferson, New York | 1 | $ 170,000 | $ 170,000 | $ 45,000 |
| Lewis, New York | 1 | $ 168,000 | $ 168,000 | $ 69,000 |
| Ontario, New York | 1 | $ 115,000 | $ 115,000 | $ 46,000 |
| Oswego, New York | 1 | $ 299,000 | $ 299,000 | $ 133,000 |
| Schoharie, New York | 1 | $ 155,000 | $ 155,000 | $ 78,000 |
| Comanche, Oklahoma | 1 | $ 220,000 | $ 220,000 | $ 63,000 |
| Osage, Oklahoma | 1 | $ 198,000 | $ 198,000 | $ 52,000 |
| Rogers, Oklahoma | 1 | $ 165,000 | $ 165,000 | $ 90,000 |
| Tulsa, Oklahoma | 1 | $ 183,000 | $ 183,000 | $ 41,000 |
| Wagoner, Oklahoma | 1 | $ 146,000 | $ 146,000 | $ 75,000 |
| Benton, Oregon | 1 | $ 270,000 | $ 270,000 | $ 358,000 |
| Curry, Oregon | 1 | $ 445,000 | $ 445,000 | $ 20,000 |
| Deschutes, Oregon | 1 | $ 173,000 | $ 173,000 | $ 74,000 |
| Douglas, Oregon | 1 | $ 169,000 | $ 169,000 | $ 44,000 |
| Josephine, Oregon | 1 | $ 179,000 | $ 179,000 | $ 57,000 |
| Lane, Oregon | 1 | $ 179,000 | $ 179,000 | $ 97,000 |
| Lincoln, Oregon | 1 | $ 170,000 | $ 170,000 | $ 50,000 |
| Bradford, Pennsylvania | 1 | $ 250,000 | $ 250,000 | $ 20,000 |
| Cambria, Pennsylvania | 1 | $ 192,000 | $ 192,000 | $ 42,000 |
| Carbon, Pennsylvania | 1 | $ 280,000 | $ 280,000 | $ 98,000 |
| Centre, Pennsylvania | 1 | $ 145,000 | $ 145,000 | $ 54,000 |
| Clarion, Pennsylvania | 1 | $ 43,000 | $ 43,000 | $ 29,000 |
| Columbia, Pennsylvania | 1 | $ 250,000 | $ 250,000 | $ 138,000 |
| Crawford, Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 70,000 |
| Huntingdon, Pennsylvania | 1 | $ 165,000 | $ 165,000 | $ 47,000 |
| Lawrence, Pennsylvania | 1 | $ 148,000 | $ 148,000 | $ 37,000 |
| Lycoming, Pennsylvania | 1 | $ 154,000 | $ 154,000 | $ 97,000 |
| McKean, Pennsylvania | 1 | $ 142,000 | $ 142,000 | $ 38,000 |
| Mercer, Pennsylvania | 1 | $ 149,000 | $ 149,000 | $ 64,000 |
| Union, Pennsylvania | 1 | $ 138,000 | $ 138,000 | $ 75,000 |
| Wayne, Pennsylvania | 1 | $ 150,000 | $ 150,000 | $ 150,000 |
| Wyoming, Pennsylvania | 1 | $ 222,000 | $ 222,000 | $ 46,000 |
| Chester, South Carolina | 1 | $ 154,000 | $ 154,000 | $ 83,000 |
| Darlington, South Carolina | 1 | $ 200,000 | $ 200,000 | $ 56,000 |
| Hampton, South Carolina | 1 | $ 124,000 | $ 124,000 | $ 28,000 |
| Kershaw, South Carolina | 1 | $ 181,000 | $ 181,000 | $ 72,000 |
| Lancaster, South Carolina | 1 | $ 119,000 | $ 119,000 | $ 69,000 |
| Marion, South Carolina | 1 | $ 207,000 | $ 207,000 | $ 83,000 |
| Oconee, South Carolina | 1 | $ 144,000 | $ 144,000 | $ 90,000 |
| Campbell, Tennessee | 1 | $ 121,000 | $ 121,000 | $ 39,000 |
| Hamilton, Tennessee | 1 | $ 159,000 | $ 159,000 | $ 35,000 |
| Lake, Tennessee | 1 | $ 77,000 | $ 77,000 | $ 102,000 |
| Polk, Tennessee | 1 | $ 203,000 | $ 203,000 | $ 48,000 |
| Shelby, Tennessee | 1 | $ 212,000 | $ 212,000 | $ 175,000 |
| Sumner, Tennessee | 1 | $ 169,000 | $ 169,000 | $ 130,000 |
| Taylor, Texas | 1 | $ 106,000 | $ 106,000 | $ 57,000 |
| Amherst, Virginia | 1 | $ 149,000 | $ 149,000 | $ 45,000 |
| Bedford, Virginia | 1 | $ 264,000 | $ 264,000 | $ 47,000 |
| Botetourt, Virginia | 1 | $ 142,000 | $ 142,000 | $ 60,000 |
| Campbell, Virginia | 1 | $ 162,000 | $ 162,000 | $ 42,000 |
| Clarke, Virginia | 1 | $ 245,000 | $ 245,000 | $ 72,000 |
| Cumberland, Virginia | 1 | $ 132,000 | $ 132,000 | $ 67,000 |
| Fairfax City, Virginia | 1 | $ 360,000 | $ 360,000 | $ 130,000 |
| Franklin, Virginia | 1 | $ 86,000 | $ 86,000 | $ 19,000 |
| Franklin City, Virginia | 1 | $ 153,000 | $ 153,000 | $ 150,000 |
| Giles, Virginia | 1 | $ 203,000 | $ 203,000 | $ 58,000 |
| Greene, Virginia | 1 | $ 329,000 | $ 329,000 | $ 66,000 |
| Henry, Virginia | 1 | $ 160,000 | $ 160,000 | $ 62,000 |
| Hopewell, Virginia | 1 | $ 107,000 | $ 107,000 | $ 64,000 |
| James City, Virginia | 1 | $ 284,000 | $ 284,000 | $ 56,000 |
| King George, Virginia | 1 | $ 241,000 | $ 241,000 | $ 39,000 |
| Lexington, Virginia | 1 | $ 155,000 | $ 155,000 | $ 45,000 |
| Louisa, Virginia | 1 | $ 167,000 | $ 167,000 | $ 59,000 |
| Lynchburg, Virginia | 1 | $ 400,000 | $ 400,000 | $ 164,000 |
| Mathews, Virginia | 1 | $ 260,000 | $ 260,000 | $ 60,000 |
| Mecklenburg, Virginia | 1 | $ 95,000 | $ 95,000 | $ 62,000 |
| Northumberland, Virginia | 1 | $ 191,000 | $ 191,000 | $ 36,000 |
| Nottoway, Virginia | 1 | $ 93,000 | $ 93,000 | $ 47,000 |
| Page, Virginia | 1 | $ 121,000 | $ 121,000 | $ 59,000 |
| Petersburg, Virginia | 1 | $ 114,000 | $ 114,000 | $ 31,000 |
| Pulaski, Virginia | 1 | $ 126,000 | $ 126,000 | $ 92,000 |
| Scott, Virginia | 1 | $ 95,000 | $ 95,000 | $ 37,000 |
| Sussex, Virginia | 1 | $ 123,000 | $ 123,000 | $ 71,000 |
| Waynesboro, Virginia | 1 | $ 171,000 | $ 171,000 | $ 64,000 |
| Wise, Virginia | 1 | $ 138,000 | $ 138,000 | $ 74,000 |
| Kittitas, Washington | 1 | $ 238,000 | $ 238,000 | $ 56,000 |
| Pierce, Washington | 1 | $ 233,000 | $ 233,000 | $ 68,000 |
| Snohomish, Washington | 1 | $ 260,000 | $ 260,000 | $ 42,000 |
| Thurston, Washington | 1 | $ 395,000 | $ 395,000 | $ 56,000 |
| Campbell, Wyoming | 1 | $ 142,000 | $ 142,000 | $ 72,000 |
| Carbon, Wyoming | 1 | $ 172,000 | $ 172,000 | $ 55,000 |
| Laramie, Wyoming | 1 | $ 168,000 | $ 168,000 | $ 31,000 |
| Lincoln, Wyoming | 1 | $ 179,000 | $ 179,000 | $ 55,000 |
| Sheridan, Wyoming | 1 | $ 144,000 | $ 144,000 | $ 43,000 |
| Sweetwater, Wyoming | 1 | $ 203,000 | $ 203,000 | $ 68,000 |
Mortgage Loan Application Detail Totals for Refinance.Com in 2007
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 | 4,023 | $1,090,802,000 | $271,000 | $1,800,000 | $87,000 | $1,000,000 |
| Home Purchase | 71 | $22,051,000 | $310,000 | $876,000 | $113,000 | $951,000 |
| Home Improvement | 6 | $1,647,000 | $274,000 | $372,000 | $78,000 | $111,000 |
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 | 2,771 | $745,892,000 | $269,000 | $1,800,000 | $90,000 | $1,000,000 |
| Black or African American | 581 | $148,669,000 | $255,000 | $825,000 | $79,000 | $500,000 |
| Hispanic | 404 | $115,623,000 | $286,000 | $901,000 | $83,000 | $377,000 |
| Not Provided | 264 | $80,265,000 | $304,000 | $1,000,000 | $95,000 | $306,000 |
| Asian | 43 | $14,167,000 | $329,000 | $786,000 | $107,000 | $300,000 |
| American Indian or Alaskan Native | 29 | $7,817,000 | $269,000 | $592,000 | $69,000 | $120,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $2,067,000 | $258,000 | $610,000 | $112,000 | $200,000 |
| 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) | 3,196 | $914,433,000 | $286,000 | $1,800,000 | $93,000 | $1,000,000 |
| FHA-insured (Federal Housing Administration) | 902 | $199,734,000 | $221,000 | $350,000 | $69,000 | $355,000 |
| VA-guaranteed (Veterans Administration) | 2 | $333,000 | $166,000 | $276,000 | $64,000 | $102,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 1,898 | $504,094,000 | $265,000 | $1,087,000 | $83,000 | $576,000 |
| Application Withdrawn By Applicant | 1,298 | $361,205,000 | $278,000 | $1,463,000 | $96,000 | $850,000 |
| Application Denied By Financial Institution | 569 | $155,139,000 | $272,000 | $1,800,000 | $84,000 | $1,000,000 |
| Application Approved But Not Accepted | 334 | $94,019,000 | $281,000 | $1,750,000 | $90,000 | $720,000 |
| File Closed For Incompleteness | 1 | $43,000 | $43,000 | $43,000 | $29,000 | $29,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 227 | $63,559,000 | $279,000 | $990,000 | $91,000 | $360,000 |
| Other | 111 | $30,353,000 | $273,000 | $960,000 | $81,000 | $951,000 |
| Credit History | 92 | $24,417,000 | $265,000 | $1,103,000 | $83,000 | $330,000 |
| Debt-To-Income Ratio | 62 | $16,890,000 | $272,000 | $1,800,000 | $69,000 | $1,000,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 15 | $4,075,000 | $271,000 | $533,000 | $85,000 | $160,000 |
| Employment History | 7 | $1,985,000 | $283,000 | $380,000 | $69,000 | $113,000 |
| Unverifiable Information | 4 | $1,224,000 | $306,000 | $475,000 | $100,000 | $228,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Refinance.Com's 2007 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 Refinance.Com'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 New York, download the full spreadsheet
with aggregated HMDA statistics today.
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