Response Mortgage Mortgage Lending & HMDA Data, 2010
In 2010, Response Mortgage of Mercer Island, WA reported 904 mortgage applications totaling $215.4 million. The average application was for $238,244, and applicants reported an average income of $93,006. 63% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Seattle-Bellevue-Everett, WA (379), Portland-Vancouver-Hillsboro, OR-WA (154) and Tacoma, WA (112) (applications in parentheses).
| Mortgage Company & Address | Response Mortgage 7853 Se 27th St Suite 180 Mercer Island, WA 98040 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 |
| Total Number of Mortgage Applications | 904 |
| Total Mortgage Loan Application Amount | $215,373,000 |
| Average Mortgage Loan Application Amount | $238,244 |
| Highest Mortgage Loan Application Amount | $2,500,000 |
| Average Applicant Income | $93,006 |
| Highest Applicant Income | $1,518,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Response Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| King, Washington | 296 | $ 93,504,000 | $ 315,891 | $ 120,000 |
| Pierce, Washington | 112 | $ 23,537,000 | $ 210,151 | $ 82,000 |
| Snohomish, Washington | 83 | $ 19,778,000 | $ 238,289 | $ 83,000 |
| Multnomah, Oregon | 68 | $ 14,178,000 | $ 208,500 | $ 74,000 |
| Kitsap, Washington | 62 | $ 15,723,000 | $ 253,596 | $ 78,000 |
| Spokane, Washington | 59 | $ 9,354,000 | $ 158,542 | $ 75,000 |
| Clark, Washington | 34 | $ 5,350,000 | $ 157,352 | $ 73,000 |
| Whatcom, Washington | 31 | $ 6,797,000 | $ 219,258 | $ 68,000 |
| Clackamas, Oregon | 20 | $ 4,144,000 | $ 207,200 | $ 68,000 |
| Columbia, Oregon | 17 | $ 2,873,000 | $ 169,000 | $ 65,000 |
| Ada, Idaho | 16 | $ 2,332,000 | $ 145,750 | $ 84,000 |
| Washington, Oregon | 12 | $ 2,577,000 | $ 214,750 | $ 85,000 |
| Payette, Idaho | 8 | $ 913,000 | $ 114,125 | $ 44,000 |
| Canyon, Idaho | 7 | $ 638,000 | $ 91,142 | $ 72,000 |
| Jefferson, Washington | 7 | $ 2,129,000 | $ 304,142 | $ 120,000 |
| Mason, Washington | 6 | $ 1,123,000 | $ 187,166 | $ 65,000 |
| Kootenai, Idaho | 5 | $ 680,000 | $ 136,000 | $ 83,000 |
| Thurston, Washington | 5 | $ 1,131,000 | $ 226,200 | $ 77,000 |
| Washington, Idaho | 4 | $ 756,000 | $ 189,000 | $ 84,000 |
| Lane, Oregon | 4 | $ 751,000 | $ 187,750 | $ 92,000 |
| Lewis, Washington | 4 | $ 510,000 | $ 127,500 | $ 52,000 |
| Chelan, Washington | 3 | $ 475,000 | $ 158,333 | $ 572,000 |
| Cowlitz, Washington | 3 | $ 302,000 | $ 100,666 | $ 49,000 |
| Skamania, Washington | 3 | $ 374,000 | $ 124,666 | $ 70,000 |
| Yakima, Washington | 3 | $ 414,000 | $ 138,000 | $ 59,000 |
| Pinal, Arizona | 2 | $ 294,000 | $ 147,000 | $ 130,000 |
| San Diego, California | 2 | $ 702,000 | $ 351,000 | $ 127,000 |
| Malheur, Oregon | 2 | $ 198,000 | $ 99,000 | $ 49,000 |
| Marion, Oregon | 2 | $ 270,000 | $ 135,000 | $ 66,000 |
| Morrow, Oregon | 2 | $ 128,000 | $ 64,000 | $ 19,000 |
| Polk, Oregon | 2 | $ 485,000 | $ 242,500 | $ 57,000 |
| Lincoln, Washington | 2 | $ 243,000 | $ 121,500 | $ 178,000 |
| Skagit, Washington | 2 | $ 492,000 | $ 246,000 | $ 64,000 |
| Fairbanks North Star, Alaska | 1 | $ 201,000 | $ 201,000 | $ 0 |
| Los Angeles, California | 1 | $ 274,000 | $ 274,000 | $ 629,000 |
| San Joaquin, California | 1 | $ 107,000 | $ 107,000 | $ 25,000 |
| Latah, Idaho | 1 | $ 166,000 | $ 166,000 | $ 114,000 |
| Lake, Montana | 1 | $ 51,000 | $ 51,000 | $ 21,000 |
| Coos, Oregon | 1 | $ 75,000 | $ 75,000 | $ 58,000 |
| Crook, Oregon | 1 | $ 45,000 | $ 45,000 | $ 23,000 |
| Hood River, Oregon | 1 | $ 231,000 | $ 231,000 | $ 83,000 |
| Jackson, Oregon | 1 | $ 138,000 | $ 138,000 | $ 43,000 |
| Union, Oregon | 1 | $ 81,000 | $ 81,000 | $ 32,000 |
| Grays Harbor, Washington | 1 | $ 96,000 | $ 96,000 | $ 120,000 |
| Island, Washington | 1 | $ 88,000 | $ 88,000 | $ 43,000 |
| Kittitas, Washington | 1 | $ 208,000 | $ 208,000 | $ 473,000 |
| San Juan, Washington | 1 | $ 250,000 | $ 250,000 | $ 110,000 |
| Walla Walla, Washington | 1 | $ 74,000 | $ 74,000 | $ 21,000 |
Mortgage Loan Application Detail Totals for Response Mortgage in 2010
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 | 696 | $164,570,000 | $236,000 | $2,500,000 | $89,000 | $1,018,000 |
| Refinancing | 203 | $50,089,000 | $246,000 | $1,120,000 | $108,000 | $1,518,000 |
| Home Improvement | 5 | $714,000 | $142,000 | $336,000 | $42,000 | $105,000 |
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 | 660 | $151,295,000 | $229,000 | $1,575,000 | $92,000 | $1,518,000 |
| Not Provided | 128 | $35,229,000 | $275,000 | $2,500,000 | $106,000 | $852,000 |
| Asian | 55 | $15,584,000 | $283,000 | $1,271,000 | $107,000 | $389,000 |
| Hispanic | 30 | $5,275,000 | $175,000 | $469,000 | $61,000 | $178,000 |
| Black or African American | 22 | $5,950,000 | $270,000 | $1,376,000 | $83,000 | $469,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $1,655,000 | $236,000 | $696,000 | $101,000 | $331,000 |
| American Indian or Alaskan Native | 2 | $385,000 | $192,000 | $265,000 | $46,000 | $59,000 |
| 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) | 421 | $111,281,000 | $264,000 | $2,500,000 | $124,000 | $1,518,000 |
| FHA-insured (Federal Housing Administration) | 387 | $82,416,000 | $212,000 | $579,000 | $67,000 | $1,018,000 |
| VA-guaranteed (Veterans Administration) | 81 | $19,189,000 | $236,000 | $582,000 | $69,000 | $168,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $2,487,000 | $165,000 | $250,000 | $46,000 | $74,000 |
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 | 568 | $138,835,000 | $244,000 | $2,500,000 | $97,000 | $1,518,000 |
| Application Denied By Financial Institution | 202 | $44,882,000 | $222,000 | $1,120,000 | $81,000 | $852,000 |
| Application Withdrawn By Applicant | 129 | $30,592,000 | $237,000 | $1,376,000 | $97,000 | $627,000 |
| Application Approved But Not Accepted | 3 | $636,000 | $212,000 | $230,000 | $100,000 | $192,000 |
| Preapproval Denied by Financial Institution | 1 | $133,000 | $133,000 | $133,000 | $27,000 | $27,000 |
| File Closed For Incompleteness | 1 | $295,000 | $295,000 | $295,000 | $95,000 | $95,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 | 64 | $13,845,000 | $216,000 | $1,120,000 | $85,000 | $243,000 |
| Debt-To-Income Ratio | 48 | $12,217,000 | $254,000 | $640,000 | $69,000 | $228,000 |
| Other | 29 | $5,948,000 | $205,000 | $1,108,000 | $101,000 | $589,000 |
| Credit History | 25 | $6,156,000 | $246,000 | $1,000,000 | $98,000 | $852,000 |
| Credit Application Incomplete | 13 | $2,130,000 | $163,000 | $256,000 | $63,000 | $147,000 |
| Unverifiable Information | 12 | $2,520,000 | $210,000 | $520,000 | $66,000 | $133,000 |
| Employment History | 6 | $846,000 | $141,000 | $176,000 | $55,000 | $119,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $1,353,000 | $225,000 | $492,000 | $50,000 | $87,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Response Mortgage's 2010 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 Response Mortgage'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 Washington, download the full spreadsheet
with aggregated HMDA statistics today.
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