Residential Loan Centers
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Residential Loan Centers 2004 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Residential Loan Centers 2350 E. Devon Avenue Suite 300 Des Plaines, IL 60018 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,976 |
| Total Mortgage Loan Application Amount | $445,513,000 |
| Average Mortgage Loan Application Amount | $135,894 |
| Highest Mortgage Loan Application Amount | $1,320,000 |
| Average Applicant Income | $64,421 |
| Highest Applicant Income | $1,200,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Residential Loan Centers. 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 Loan Centers's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Residential Loan Centers'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 Loan Centers serves its applicants.
Each category highlights the total number of mortgage applications processed by Residential Loan Centers, 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 Loan Centers's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cook County Illinois | 1,357 | $ 217,127,000 | $ 160,000 | $ 53,000 |
| Will County Illinois | 162 | $ 24,889,000 | $ 153,000 | $ 58,000 |
| Lake County Illinois | 154 | $ 31,182,000 | $ 202,000 | $ 58,000 |
| DuPage County Illinois | 98 | $ 18,689,000 | $ 190,000 | $ 73,000 |
| Wayne County Michigan | 89 | $ 9,071,000 | $ 101,000 | $ 30,000 |
| Shelby County Tennessee | 83 | $ 8,620,000 | $ 103,000 | $ 68,000 |
| Kane County Illinois | 82 | $ 12,452,000 | $ 151,000 | $ 49,000 |
| Oakland County Michigan | 60 | $ 9,950,000 | $ 165,000 | $ 58,000 |
| Macomb County Michigan | 53 | $ 6,559,000 | $ 123,000 | $ 41,000 |
| McHenry County Illinois | 51 | $ 8,347,000 | $ 163,000 | $ 78,000 |
| St. Louis County Missouri | 44 | $ 4,752,000 | $ 108,000 | $ 36,000 |
| Jackson County Missouri | 28 | $ 2,261,000 | $ 80,000 | $ 30,000 |
| Milwaukee County Wisconsin | 23 | $ 2,167,000 | $ 94,000 | $ 28,000 |
| St. Louis City County Missouri | 22 | $ 1,582,000 | $ 71,000 | $ 22,000 |
| Lake County Indiana | 19 | $ 2,072,000 | $ 109,000 | $ 40,000 |
| Marion County Indiana | 17 | $ 1,526,000 | $ 89,000 | $ 35,000 |
| Kenosha County Wisconsin | 14 | $ 1,419,000 | $ 101,000 | $ 84,000 |
| Los Angeles County California | 13 | $ 2,570,000 | $ 197,000 | $ 53,000 |
| Hennepin County Minnesota | 13 | $ 2,024,000 | $ 155,000 | $ 43,000 |
| Anoka County Minnesota | 10 | $ 1,441,000 | $ 144,000 | $ 40,000 |
| Ramsey County Minnesota | 10 | $ 1,480,000 | $ 148,000 | $ 47,000 |
| Winnebago County Illinois | 9 | $ 1,166,000 | $ 129,000 | $ 114,000 |
| Jefferson County Missouri | 9 | $ 736,000 | $ 81,000 | $ 29,000 |
| Dakota County Minnesota | 8 | $ 1,410,000 | $ 176,000 | $ 91,000 |
| St. Charles County Missouri | 8 | $ 1,256,000 | $ 157,000 | $ 47,000 |
| Rock County Wisconsin | 8 | $ 637,000 | $ 79,000 | $ 29,000 |
| Riverside County California | 6 | $ 1,113,000 | $ 185,000 | $ 87,000 |
| DeKalb County Illinois | 6 | $ 705,000 | $ 117,000 | $ 74,000 |
| Kendall County Illinois | 6 | $ 614,000 | $ 102,000 | $ 89,000 |
| Franklin County Missouri | 6 | $ 628,000 | $ 104,000 | $ 35,000 |
| Fayette County Tennessee | 6 | $ 377,000 | $ 62,000 | $ 200,000 |
| Rock Island County Illinois | 5 | $ 273,000 | $ 54,000 | $ 30,000 |
| LaPorte County Indiana | 5 | $ 516,000 | $ 103,000 | $ 50,000 |
| Porter County Indiana | 5 | $ 581,000 | $ 116,000 | $ 72,000 |
| Dane County Wisconsin | 5 | $ 608,000 | $ 121,000 | $ 44,000 |
| Waukesha County Wisconsin | 5 | $ 784,000 | $ 156,000 | $ 58,000 |
| Kankakee County Illinois | 4 | $ 140,000 | $ 35,000 | $ 56,000 |
| Berrien County Michigan | 4 | $ 354,000 | $ 88,000 | $ 124,000 |
| Sanilac County Michigan | 4 | $ 349,000 | $ 87,000 | $ 48,000 |
| Ozaukee County Wisconsin | 4 | $ 487,000 | $ 121,000 | $ 76,000 |
| LaSalle County Illinois | 3 | $ 488,000 | $ 162,000 | $ 46,000 |
| McLean County Illinois | 3 | $ 175,000 | $ 58,000 | $ 15,000 |
| St. Clair County Illinois | 3 | $ 211,000 | $ 70,000 | $ 41,000 |
| Tippecanoe County Indiana | 3 | $ 535,000 | $ 178,000 | $ 104,000 |
| Tipton County Indiana | 3 | $ 220,000 | $ 73,000 | $ 40,000 |
| Jackson County Michigan | 3 | $ 278,000 | $ 92,000 | $ 31,000 |
| Kent County Michigan | 3 | $ 220,000 | $ 73,000 | $ 38,000 |
| Livingston County Michigan | 3 | $ 505,000 | $ 168,000 | $ 126,000 |
| Van Buren County Michigan | 3 | $ 225,000 | $ 75,000 | $ 74,000 |
| Christian County Missouri | 3 | $ 187,000 | $ 62,000 | $ 33,000 |
| Lincoln County Missouri | 3 | $ 330,000 | $ 110,000 | $ 75,000 |
| Ste. Genevieve County Missouri | 3 | $ 203,000 | $ 67,000 | $ 35,000 |
| Davidson County Tennessee | 3 | $ 269,000 | $ 89,000 | $ 31,000 |
| Orange County California | 2 | $ 593,000 | $ 296,000 | $ 45,000 |
| Boone County Illinois | 2 | $ 124,000 | $ 62,000 | $ 36,000 |
| Bureau County Illinois | 2 | $ 130,000 | $ 65,000 | $ 48,000 |
| Champaign County Illinois | 2 | $ 488,000 | $ 244,000 | $ 17,000 |
| Christian County Illinois | 2 | $ 140,000 | $ 70,000 | $ 94,000 |
| Ford County Illinois | 2 | $ 85,000 | $ 42,000 | $ 28,000 |
| Grundy County Illinois | 2 | $ 223,000 | $ 111,000 | $ 36,000 |
| Macon County Illinois | 2 | $ 177,000 | $ 88,000 | $ 54,000 |
| Mason County Illinois | 2 | $ 91,000 | $ 45,000 | $ 50,000 |
| Whiteside County Illinois | 2 | $ 117,000 | $ 58,000 | $ 54,000 |
| Allen County Indiana | 2 | $ 151,000 | $ 75,000 | $ 29,000 |
| Clark County Indiana | 2 | $ 137,000 | $ 68,000 | $ 35,000 |
| Floyd County Indiana | 2 | $ 114,000 | $ 57,000 | $ 30,000 |
| Monroe County Indiana | 2 | $ 188,000 | $ 94,000 | $ 117,000 |
| Genesee County Michigan | 2 | $ 219,000 | $ 109,000 | $ 123,000 |
| Ingham County Michigan | 2 | $ 244,000 | $ 122,000 | $ 54,000 |
| Ottawa County Michigan | 2 | $ 125,000 | $ 62,000 | $ 54,000 |
| Washtenaw County Michigan | 2 | $ 264,000 | $ 132,000 | $ 49,000 |
| Meeker County Minnesota | 2 | $ 183,000 | $ 91,000 | $ 42,000 |
| Olmsted County Minnesota | 2 | $ 379,000 | $ 189,000 | $ 126,000 |
| Sherburne County Minnesota | 2 | $ 390,000 | $ 195,000 | $ 0 |
| St. Louis County Minnesota | 2 | $ 137,000 | $ 68,000 | $ 11,000 |
| Steele County Minnesota | 2 | $ 94,000 | $ 47,000 | $ 23,000 |
| Cass County Missouri | 2 | $ 111,000 | $ 55,000 | $ 75,000 |
| Perry County Missouri | 2 | $ 75,000 | $ 37,000 | $ 17,000 |
| Polk County Missouri | 2 | $ 230,000 | $ 115,000 | $ 84,000 |
| Randolph County Missouri | 2 | $ 232,000 | $ 116,000 | $ 27,000 |
| Warren County Missouri | 2 | $ 145,000 | $ 72,000 | $ 57,000 |
| Brown County Wisconsin | 2 | $ 173,000 | $ 86,000 | $ 41,000 |
| Outagamie County Wisconsin | 2 | $ 210,000 | $ 105,000 | $ 28,000 |
| Sauk County Wisconsin | 2 | $ 259,000 | $ 129,000 | $ 79,000 |
| Sheboygan County Wisconsin | 2 | $ 106,000 | $ 53,000 | $ 62,000 |
| Carroll County Illinois | 1 | $ 128,000 | $ 128,000 | $ 67,000 |
| Clinton County Illinois | 1 | $ 85,000 | $ 85,000 | $ 39,000 |
| Coles County Illinois | 1 | $ 20,000 | $ 20,000 | $ 19,000 |
| Douglas County Illinois | 1 | $ 65,000 | $ 65,000 | $ 51,000 |
| Henry County Illinois | 1 | $ 57,000 | $ 57,000 | $ 34,000 |
| Jo Daviess County Illinois | 1 | $ 85,000 | $ 85,000 | $ 32,000 |
| Knox County Illinois | 1 | $ 60,000 | $ 60,000 | $ 42,000 |
| Madison County Illinois | 1 | $ 50,000 | $ 50,000 | $ 15,000 |
| Montgomery County Illinois | 1 | $ 80,000 | $ 80,000 | $ 36,000 |
| Peoria County Illinois | 1 | $ 80,000 | $ 80,000 | $ 17,000 |
| Randolph County Illinois | 1 | $ 34,000 | $ 34,000 | $ 23,000 |
| Richland County Illinois | 1 | $ 36,000 | $ 36,000 | $ 12,000 |
| Sangamon County Illinois | 1 | $ 43,000 | $ 43,000 | $ 21,000 |
| Stephenson County Illinois | 1 | $ 69,000 | $ 69,000 | $ 54,000 |
| Williamson County Illinois | 1 | $ 108,000 | $ 108,000 | $ 65,000 |
| Bartholomew County Indiana | 1 | $ 89,000 | $ 89,000 | $ 42,000 |
| Benton County Indiana | 1 | $ 63,000 | $ 63,000 | $ 50,000 |
| Daviess County Indiana | 1 | $ 91,000 | $ 91,000 | $ 0 |
| DeKalb County Indiana | 1 | $ 190,000 | $ 190,000 | $ 57,000 |
| Elkhart County Indiana | 1 | $ 82,000 | $ 82,000 | $ 22,000 |
| Franklin County Indiana | 1 | $ 16,000 | $ 16,000 | $ 32,000 |
| Hamilton County Indiana | 1 | $ 88,000 | $ 88,000 | $ 108,000 |
| Morgan County Indiana | 1 | $ 146,000 | $ 146,000 | $ 33,000 |
| Shelby County Indiana | 1 | $ 66,000 | $ 66,000 | $ 41,000 |
| Eaton County Michigan | 1 | $ 113,000 | $ 113,000 | $ 43,000 |
| Hillsdale County Michigan | 1 | $ 60,000 | $ 60,000 | $ 20,000 |
| Ionia County Michigan | 1 | $ 106,000 | $ 106,000 | $ 20,000 |
| Kalamazoo County Michigan | 1 | $ 38,000 | $ 38,000 | $ 13,000 |
| Mason County Michigan | 1 | $ 50,000 | $ 50,000 | $ 48,000 |
| Mecosta County Michigan | 1 | $ 320,000 | $ 320,000 | $ 192,000 |
| Monroe County Michigan | 1 | $ 93,000 | $ 93,000 | $ 83,000 |
| St. Joseph County Michigan | 1 | $ 145,000 | $ 145,000 | $ 57,000 |
| Tuscola County Michigan | 1 | $ 113,000 | $ 113,000 | $ 34,000 |
| Carver County Minnesota | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Rice County Minnesota | 1 | $ 223,000 | $ 223,000 | $ 45,000 |
| Wright County Minnesota | 1 | $ 160,000 | $ 160,000 | $ 71,000 |
| Butler County Missouri | 1 | $ 41,000 | $ 41,000 | $ 23,000 |
| Dunklin County Missouri | 1 | $ 121,000 | $ 121,000 | $ 32,000 |
| Jasper County Missouri | 1 | $ 135,000 | $ 135,000 | $ 80,000 |
| Ray County Missouri | 1 | $ 110,000 | $ 110,000 | $ 52,000 |
| DeKalb County Tennessee | 1 | $ 86,000 | $ 86,000 | $ 56,000 |
| Maury County Tennessee | 1 | $ 214,000 | $ 214,000 | $ 101,000 |
| Montgomery County Tennessee | 1 | $ 72,000 | $ 72,000 | $ 74,000 |
| Douglas County Wisconsin | 1 | $ 76,000 | $ 76,000 | $ 53,000 |
| Fond du Lac County Wisconsin | 1 | $ 212,000 | $ 212,000 | $ 0 |
| Green County Wisconsin | 1 | $ 50,000 | $ 50,000 | $ 33,000 |
| Jefferson County Wisconsin | 1 | $ 153,000 | $ 153,000 | $ 63,000 |
| La Crosse County Wisconsin | 1 | $ 84,000 | $ 84,000 | $ 51,000 |
| Racine County Wisconsin | 1 | $ 175,000 | $ 175,000 | $ 100,000 |
| St. Croix County Wisconsin | 1 | $ 149,000 | $ 149,000 | $ 0 |
| Walworth County Wisconsin | 1 | $ 195,000 | $ 195,000 | $ 115,000 |
| Washington County Wisconsin | 1 | $ 52,000 | $ 52,000 | $ 50,000 |
| Winnebago County Wisconsin | 1 | $ 85,000 | $ 85,000 | $ 42,000 |
Mortgage Loan Application Detail Totals for Residential Loan Centers 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 | 2,291 | $328,547,000 | $127,666 | $1,320,000 | $55,222 | $1,200,000 |
| Home Purchase | 683 | $116,750,000 | $152,125 | $950,000 | $75,500 | $780,000 |
| Home Improvement | 2 | $216,000 | $108,000 | $152,000 | $61,500 | $69,000 |
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 | 1,409 | $232,834,000 | $147,000 | $1,320,000 | $69,777 | $1,200,000 |
| Not Provided | 693 | $103,317,000 | $118,777 | $718,000 | $56,777 | $816,000 |
| Black or African American | 519 | $58,282,000 | $113,750 | $445,000 | $45,500 | $217,000 |
| Hispanic | 236 | $33,707,000 | $110,250 | $375,000 | $45,875 | $162,000 |
| Asian | 87 | $12,808,000 | $138,571 | $472,000 | $87,857 | $194,000 |
| Native Hawaiian or Other Pacific Islander | 18 | $2,651,000 | $115,666 | $315,000 | $57,000 | $164,000 |
| American Indian or Alaskan Native | 14 | $1,914,000 | $118,750 | $348,000 | $46,000 | $122,000 |
| 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) | 2,740 | $415,726,000 | $128,666 | $1,320,000 | $64,666 | $1,200,000 |
| FHA-insured (Federal Housing Administration) | 236 | $29,787,000 | $110,428 | $375,000 | $17,142 | $128,000 |
| 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 | 2,207 | $348,056,000 | $136,222 | $1,320,000 | $60,444 | $1,200,000 |
| Application Denied By Financial Institution | 402 | $47,698,000 | $108,888 | $583,000 | $68,777 | $399,000 |
| Application Withdrawn By Applicant | 367 | $49,759,000 | $129,333 | $800,000 | $52,888 | $237,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 151 | $17,994,000 | $111,333 | $385,000 | $82,777 | $399,000 |
| Other | 71 | $6,941,000 | $84,571 | $250,000 | $37,714 | $266,000 |
| Credit History | 64 | $7,329,000 | $136,800 | $583,000 | $40,000 | $162,000 |
| Debt-To-Income Ratio | 45 | $5,474,000 | $81,000 | $350,000 | $33,833 | $153,000 |
| Unverifiable Information | 16 | $1,892,000 | $118,250 | $256,000 | $39,250 | $90,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,312,000 | $157,000 | $490,000 | $66,000 | $140,000 |
| Employment History | 3 | $236,000 | $62,000 | $117,000 | $39,000 | $66,000 |
| 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 Residential Loan Centers'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 Residential Loan Centers'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 Illinois, download the full spreadsheet
with aggregated HMDA statistics today.