Residential Home Funding Corp. 2013 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 | Residential Home Funding Corp. 707 Westchester Avenue, Suite 305 White Plains, NY 10604 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 4,434 |
| Total Mortgage Loan Application Amount | $1,238,181,000 |
| Average Mortgage Loan Application Amount | $280,000 |
| Highest Mortgage Loan Application Amount | $2,194,000 |
| Average Applicant Income | $106,000 |
| Highest Applicant Income | $1,310,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2013 with Residential Home Funding Corp.. 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 Residential Home Funding Corp.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2013 breaks down Residential Home Funding Corp.'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 Residential Home Funding Corp. serves its applicants.
Each category highlights the total number of mortgage applications processed by Residential Home Funding Corp., 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 Residential Home Funding Corp.'s mortgage activity for 2013.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Morris County New Jersey | 313 | $ 90,191,000 | $ 288,000 | $ 121,000 |
| Suffolk County New York | 269 | $ 73,272,000 | $ 272,000 | $ 104,000 |
| Queens County New York | 263 | $ 97,397,000 | $ 370,000 | $ 91,000 |
| Nassau County New York | 237 | $ 83,845,000 | $ 353,000 | $ 119,000 |
| Bergen County New Jersey | 236 | $ 80,452,000 | $ 340,000 | $ 132,000 |
| Passaic County New Jersey | 213 | $ 48,417,000 | $ 227,000 | $ 90,000 |
| Bronx County New York | 209 | $ 79,226,000 | $ 379,000 | $ 99,000 |
| Essex County New Jersey | 205 | $ 55,233,000 | $ 269,000 | $ 101,000 |
| Westchester County New York | 205 | $ 67,334,000 | $ 328,000 | $ 131,000 |
| Sussex County New Jersey | 190 | $ 39,388,000 | $ 207,000 | $ 95,000 |
| Hudson County New Jersey | 163 | $ 44,973,000 | $ 275,000 | $ 92,000 |
| Kings County New York | 149 | $ 66,640,000 | $ 447,000 | $ 102,000 |
| Allegheny County Pennsylvania | 121 | $ 17,713,000 | $ 146,000 | $ 79,000 |
| Warren County New Jersey | 116 | $ 25,351,000 | $ 218,000 | $ 83,000 |
| Union County New Jersey | 106 | $ 27,978,000 | $ 263,000 | $ 94,000 |
| Middlesex County New Jersey | 97 | $ 24,091,000 | $ 248,000 | $ 100,000 |
| Orange County New York | 95 | $ 21,641,000 | $ 227,000 | $ 103,000 |
| Ocean County New Jersey | 90 | $ 20,578,000 | $ 228,000 | $ 114,000 |
| Monmouth County New Jersey | 84 | $ 24,347,000 | $ 289,000 | $ 117,000 |
| Dutchess County New York | 69 | $ 14,812,000 | $ 214,000 | $ 85,000 |
| Somerset County New Jersey | 48 | $ 16,325,000 | $ 340,000 | $ 143,000 |
| Fairfield County Connecticut | 42 | $ 13,992,000 | $ 333,000 | $ 109,000 |
| Rockland County New York | 39 | $ 12,401,000 | $ 317,000 | $ 108,000 |
| Burlington County New Jersey | 37 | $ 7,023,000 | $ 189,000 | $ 86,000 |
| Camden County New Jersey | 33 | $ 5,235,000 | $ 158,000 | $ 81,000 |
| Lehigh County Pennsylvania | 33 | $ 5,544,000 | $ 168,000 | $ 93,000 |
| Richmond County New York | 32 | $ 11,396,000 | $ 356,000 | $ 98,000 |
| Hunterdon County New Jersey | 30 | $ 8,854,000 | $ 295,000 | $ 113,000 |
| Putnam County New York | 30 | $ 7,110,000 | $ 237,000 | $ 96,000 |
| Ulster County New York | 29 | $ 6,286,000 | $ 216,000 | $ 87,000 |
| Gloucester County New Jersey | 23 | $ 4,552,000 | $ 197,000 | $ 89,000 |
| Bucks County Pennsylvania | 23 | $ 4,807,000 | $ 209,000 | $ 95,000 |
| Montgomery County Pennsylvania | 23 | $ 5,011,000 | $ 217,000 | $ 102,000 |
| Broward County Florida | 22 | $ 4,585,000 | $ 208,000 | $ 75,000 |
| Baltimore County Maryland | 22 | $ 4,522,000 | $ 205,000 | $ 75,000 |
| Prince George's County Maryland | 21 | $ 6,357,000 | $ 302,000 | $ 98,000 |
| Delaware County Pennsylvania | 21 | $ 4,769,000 | $ 227,000 | $ 102,000 |
| Philadelphia County Pennsylvania | 21 | $ 4,226,000 | $ 201,000 | $ 84,000 |
| Mercer County New Jersey | 18 | $ 3,881,000 | $ 215,000 | $ 90,000 |
| Northampton County Pennsylvania | 17 | $ 3,130,000 | $ 184,000 | $ 78,000 |
| New York County New York | 16 | $ 10,140,000 | $ 633,000 | $ 183,000 |
| Butler County Pennsylvania | 16 | $ 3,045,000 | $ 190,000 | $ 79,000 |
| Chester County Pennsylvania | 16 | $ 3,637,000 | $ 227,000 | $ 118,000 |
| Orange County Florida | 15 | $ 3,480,000 | $ 232,000 | $ 94,000 |
| Montgomery County Maryland | 15 | $ 4,020,000 | $ 268,000 | $ 81,000 |
| Beaver County Pennsylvania | 15 | $ 2,129,000 | $ 141,000 | $ 77,000 |
| New Haven County Connecticut | 14 | $ 2,677,000 | $ 191,000 | $ 85,000 |
| Monroe County Pennsylvania | 13 | $ 1,930,000 | $ 148,000 | $ 78,000 |
| Baltimore City County Maryland | 12 | $ 1,615,000 | $ 134,000 | $ 47,000 |
| Cumberland County New Jersey | 11 | $ 1,380,000 | $ 125,000 | $ 73,000 |
| New Castle County Delaware | 10 | $ 2,622,000 | $ 262,000 | $ 87,000 |
| Palm Beach County Florida | 10 | $ 1,804,000 | $ 180,000 | $ 138,000 |
| Pike County Pennsylvania | 10 | $ 1,475,000 | $ 147,000 | $ 74,000 |
| Osceola County Florida | 9 | $ 1,284,000 | $ 142,000 | $ 103,000 |
| Atlantic County New Jersey | 9 | $ 2,020,000 | $ 224,000 | $ 124,000 |
| Miami-Dade County Florida | 8 | $ 2,081,000 | $ 260,000 | $ 120,000 |
| Salem County New Jersey | 8 | $ 1,858,000 | $ 232,000 | $ 97,000 |
| Hartford County Connecticut | 7 | $ 1,555,000 | $ 222,000 | $ 85,000 |
| Washington County Pennsylvania | 7 | $ 1,202,000 | $ 171,000 | $ 89,000 |
| Collier County Florida | 6 | $ 828,000 | $ 138,000 | $ 129,000 |
| Lee County Florida | 6 | $ 1,470,000 | $ 245,000 | $ 96,000 |
| Seminole County Florida | 6 | $ 1,241,000 | $ 206,000 | $ 105,000 |
| Volusia County Florida | 6 | $ 893,000 | $ 148,000 | $ 73,000 |
| Anne Arundel County Maryland | 6 | $ 2,011,000 | $ 335,000 | $ 121,000 |
| Westmoreland County Pennsylvania | 6 | $ 1,154,000 | $ 192,000 | $ 139,000 |
| Frederick County Maryland | 5 | $ 1,944,000 | $ 388,000 | $ 139,000 |
| Saratoga County New York | 5 | $ 834,000 | $ 166,000 | $ 119,000 |
| Litchfield County Connecticut | 4 | $ 852,000 | $ 213,000 | $ 79,000 |
| New London County Connecticut | 4 | $ 1,103,000 | $ 275,000 | $ 104,000 |
| Duval County Florida | 4 | $ 311,000 | $ 77,000 | $ 97,000 |
| DeKalb County Georgia | 4 | $ 934,000 | $ 233,000 | $ 76,000 |
| Charles County Maryland | 4 | $ 1,454,000 | $ 363,000 | $ 134,000 |
| Howard County Maryland | 4 | $ 1,013,000 | $ 253,000 | $ 73,000 |
| Monroe County New York | 4 | $ 492,000 | $ 123,000 | $ 51,000 |
| Sullivan County New York | 4 | $ 725,000 | $ 181,000 | $ 129,000 |
| Lackawanna County Pennsylvania | 4 | $ 728,000 | $ 182,000 | $ 103,000 |
| Lancaster County Pennsylvania | 4 | $ 532,000 | $ 133,000 | $ 52,000 |
| Luzerne County Pennsylvania | 4 | $ 565,000 | $ 141,000 | $ 75,000 |
| Wayne County Pennsylvania | 4 | $ 466,000 | $ 116,000 | $ 111,000 |
| Sarasota County Florida | 3 | $ 623,000 | $ 207,000 | $ 112,000 |
| Albany County New York | 3 | $ 488,000 | $ 162,000 | $ 72,000 |
| Delaware County New York | 3 | $ 430,000 | $ 143,000 | $ 134,000 |
| Jefferson County New York | 3 | $ 325,000 | $ 108,000 | $ 35,000 |
| Onondaga County New York | 3 | $ 565,000 | $ 188,000 | $ 84,000 |
| Centre County Pennsylvania | 3 | $ 438,000 | $ 146,000 | $ 108,000 |
| York County Pennsylvania | 3 | $ 431,000 | $ 143,000 | $ 107,000 |
| Middlesex County Connecticut | 2 | $ 514,000 | $ 257,000 | $ 122,000 |
| Tolland County Connecticut | 2 | $ 279,000 | $ 139,000 | $ 50,000 |
| Sussex County Delaware | 2 | $ 428,000 | $ 214,000 | $ 180,000 |
| District of Columbia County District Of Columbia | 2 | $ 1,080,000 | $ 540,000 | $ 116,000 |
| Hillsborough County Florida | 2 | $ 261,000 | $ 130,000 | $ 27,000 |
| Pinellas County Florida | 2 | $ 505,000 | $ 252,000 | $ 91,000 |
| Polk County Florida | 2 | $ 358,000 | $ 179,000 | $ 36,000 |
| Walton County Florida | 2 | $ 160,000 | $ 80,000 | $ 37,000 |
| Gwinnett County Georgia | 2 | $ 344,000 | $ 172,000 | $ 79,000 |
| Cecil County Maryland | 2 | $ 480,000 | $ 240,000 | $ 56,000 |
| Harford County Maryland | 2 | $ 558,000 | $ 279,000 | $ 92,000 |
| St. Mary's County Maryland | 2 | $ 624,000 | $ 312,000 | $ 93,000 |
| Cape May County New Jersey | 2 | $ 1,303,000 | $ 651,000 | $ 478,000 |
| Columbia County New York | 2 | $ 474,000 | $ 237,000 | $ 94,000 |
| Erie County New York | 2 | $ 388,000 | $ 194,000 | $ 62,000 |
| Essex County New York | 2 | $ 532,000 | $ 266,000 | $ 156,000 |
| Schenectady County New York | 2 | $ 265,000 | $ 132,000 | $ 52,000 |
| Warren County New York | 2 | $ 238,000 | $ 119,000 | $ 111,000 |
| Blair County Pennsylvania | 2 | $ 329,000 | $ 164,000 | $ 57,000 |
| Dauphin County Pennsylvania | 2 | $ 635,000 | $ 317,000 | $ 169,000 |
| Lycoming County Pennsylvania | 2 | $ 262,000 | $ 131,000 | $ 89,000 |
| Anderson County South Carolina | 2 | $ 244,000 | $ 122,000 | $ 107,000 |
| Horry County South Carolina | 2 | $ 238,000 | $ 119,000 | $ 127,000 |
| Arlington County Virginia | 2 | $ 755,000 | $ 377,000 | $ 716,000 |
| Prince William County Virginia | 2 | $ 409,000 | $ 204,000 | $ 91,000 |
| Orange County California | 1 | $ 409,000 | $ 409,000 | $ 79,000 |
| San Diego County California | 1 | $ 380,000 | $ 380,000 | $ 100,000 |
| Kent County Delaware | 1 | $ 252,000 | $ 252,000 | $ 83,000 |
| Bay County Florida | 1 | $ 113,000 | $ 113,000 | $ 42,000 |
| Charlotte County Florida | 1 | $ 136,000 | $ 136,000 | $ 55,000 |
| Citrus County Florida | 1 | $ 135,000 | $ 135,000 | $ 35,000 |
| Hernando County Florida | 1 | $ 120,000 | $ 120,000 | $ 26,000 |
| Indian River County Florida | 1 | $ 150,000 | $ 150,000 | $ 158,000 |
| Lake County Florida | 1 | $ 93,000 | $ 93,000 | $ 42,000 |
| Manatee County Florida | 1 | $ 345,000 | $ 345,000 | $ 145,000 |
| Martin County Florida | 1 | $ 160,000 | $ 160,000 | $ 81,000 |
| Okaloosa County Florida | 1 | $ 158,000 | $ 158,000 | $ 46,000 |
| Pasco County Florida | 1 | $ 174,000 | $ 174,000 | $ 56,000 |
| St. Lucie County Florida | 1 | $ 132,000 | $ 132,000 | $ 48,000 |
| Cobb County Georgia | 1 | $ 123,000 | $ 123,000 | $ 73,000 |
| Fulton County Georgia | 1 | $ 237,000 | $ 237,000 | $ 48,000 |
| Worth County Georgia | 1 | $ 72,000 | $ 72,000 | $ 25,000 |
| Cook County Illinois | 1 | $ 400,000 | $ 400,000 | $ 812,000 |
| Kane County Illinois | 1 | $ 338,000 | $ 338,000 | $ 83,000 |
| Lake County Illinois | 1 | $ 410,000 | $ 410,000 | $ 812,000 |
| Calvert County Maryland | 1 | $ 263,000 | $ 263,000 | $ 86,000 |
| Carroll County Maryland | 1 | $ 188,000 | $ 188,000 | $ 36,000 |
| Queen Anne's County Maryland | 1 | $ 310,000 | $ 310,000 | $ 118,000 |
| Talbot County Maryland | 1 | $ 131,000 | $ 131,000 | $ 35,000 |
| Allegany County New York | 1 | $ 144,000 | $ 144,000 | $ 114,000 |
| Chemung County New York | 1 | $ 136,000 | $ 136,000 | $ 70,000 |
| Greene County New York | 1 | $ 170,000 | $ 170,000 | $ 71,000 |
| Hamilton County New York | 1 | $ 169,000 | $ 169,000 | $ 101,000 |
| Herkimer County New York | 1 | $ 78,000 | $ 78,000 | $ 62,000 |
| Niagara County New York | 1 | $ 103,000 | $ 103,000 | $ 32,000 |
| Rensselaer County New York | 1 | $ 167,000 | $ 167,000 | $ 58,000 |
| Schoharie County New York | 1 | $ 71,000 | $ 71,000 | $ 138,000 |
| Tioga County New York | 1 | $ 128,000 | $ 128,000 | $ 39,000 |
| Wyoming County New York | 1 | $ 98,000 | $ 98,000 | $ 53,000 |
| Union County North Carolina | 1 | $ 96,000 | $ 96,000 | $ 37,000 |
| Bedford County Pennsylvania | 1 | $ 100,000 | $ 100,000 | $ 33,000 |
| Berks County Pennsylvania | 1 | $ 190,000 | $ 190,000 | $ 61,000 |
| Cambria County Pennsylvania | 1 | $ 270,000 | $ 270,000 | $ 109,000 |
| Carbon County Pennsylvania | 1 | $ 417,000 | $ 417,000 | $ 483,000 |
| Clearfield County Pennsylvania | 1 | $ 160,000 | $ 160,000 | $ 63,000 |
| Cumberland County Pennsylvania | 1 | $ 132,000 | $ 132,000 | $ 47,000 |
| Fayette County Pennsylvania | 1 | $ 92,000 | $ 92,000 | $ 0 |
| Franklin County Pennsylvania | 1 | $ 214,000 | $ 214,000 | $ 114,000 |
| Indiana County Pennsylvania | 1 | $ 159,000 | $ 159,000 | $ 105,000 |
| Lawrence County Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 40,000 |
| Lebanon County Pennsylvania | 1 | $ 173,000 | $ 173,000 | $ 69,000 |
| Northumberland County Pennsylvania | 1 | $ 132,000 | $ 132,000 | $ 49,000 |
| Perry County Pennsylvania | 1 | $ 180,000 | $ 180,000 | $ 72,000 |
| Susquehanna County Pennsylvania | 1 | $ 147,000 | $ 147,000 | $ 66,000 |
| Wyoming County Pennsylvania | 1 | $ 179,000 | $ 179,000 | $ 97,000 |
| Charleston County South Carolina | 1 | $ 495,000 | $ 495,000 | $ 351,000 |
| Greenville County South Carolina | 1 | $ 204,000 | $ 204,000 | $ 65,000 |
| Fairfax County Virginia | 1 | $ 674,000 | $ 674,000 | $ 172,000 |
| Loudoun County Virginia | 1 | $ 247,000 | $ 247,000 | $ 91,000 |
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 2,638 | $723,022,000 | $274,000 | $2,180,000 | $95,000 | $721,000 |
| Refinancing | 1,796 | $515,159,000 | $286,000 | $2,194,000 | $117,000 | $1,310,000 |
| 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 |
|---|---|---|---|---|---|---|
| White | 2,675 | $729,242,000 | $272,000 | $2,194,000 | $113,000 | $1,310,000 |
| Hispanic | 732 | $202,931,000 | $277,000 | $1,000,000 | $83,000 | $465,000 |
| Black or African American | 506 | $148,553,000 | $293,000 | $941,000 | $83,000 | $365,000 |
| Not Provided | 311 | $90,148,000 | $289,000 | $1,170,000 | $108,000 | $570,000 |
| Asian | 189 | $61,518,000 | $325,000 | $1,580,000 | $104,000 | $962,000 |
| Native Hawaiian or Other Pacific Islander | 12 | $3,651,000 | $304,000 | $608,000 | $103,000 | $218,000 |
| American Indian or Alaskan Native | 9 | $2,138,000 | $237,000 | $386,000 | $77,000 | $114,000 |
| 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) | 2,356 | $640,727,000 | $271,000 | $2,194,000 | $122,000 | $1,310,000 |
| FHA-insured (Federal Housing Administration) | 1,922 | $560,016,000 | $291,000 | $1,170,000 | $83,000 | $600,000 |
| VA-guaranteed (Veterans Administration) | 82 | $23,619,000 | $288,000 | $625,000 | $93,000 | $375,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 74 | $13,819,000 | $186,000 | $306,000 | $65,000 | $120,000 |
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 | 2,726 | $731,513,000 | $268,000 | $1,170,000 | $104,000 | $1,310,000 |
| Application Withdrawn By Applicant | 1,189 | $359,476,000 | $302,000 | $2,194,000 | $110,000 | $962,000 |
| Application Denied By Financial Institution | 437 | $124,871,000 | $285,000 | $963,000 | $86,000 | $549,000 |
| Application Approved But Not Accepted | 59 | $15,360,000 | $260,000 | $714,000 | $96,000 | $315,000 |
| File Closed For Incompleteness | 23 | $6,961,000 | $302,000 | $636,000 | $122,000 | $516,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 154 | $48,103,000 | $312,000 | $963,000 | $79,000 | $549,000 |
| Credit History | 74 | $20,190,000 | $272,000 | $567,000 | $87,000 | $300,000 |
| Collateral | 68 | $19,406,000 | $285,000 | $743,000 | $96,000 | $365,000 |
| Other | 42 | $11,229,000 | $267,000 | $645,000 | $103,000 | $234,000 |
| Unverifiable Information | 26 | $6,921,000 | $266,000 | $499,000 | $80,000 | $251,000 |
| Employment History | 16 | $3,561,000 | $222,000 | $631,000 | $67,000 | $157,000 |
| Credit Application Incomplete | 11 | $3,336,000 | $303,000 | $474,000 | $87,000 | $174,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $2,041,000 | $291,000 | $464,000 | $74,000 | $166,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Residential Home Funding Corp.'s 2013 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 Residential Home Funding Corp.'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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