Rose Acceptance, Inc. Mortgage Lending & HMDA Data, 2010
In 2010, Rose Acceptance, Inc. of East Lansing, MI reported 122 mortgage applications totaling $4.3 million, up 184% from 2009. The average application was for $35,385, and applicants reported an average income of $36,057. 72% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Houston-Sugar Land-Baytown, TX (10), Muskegon-Norton Shores, MI (4) and Yuma, AZ (4) (applications in parentheses).
| Mortgage Company & Address | Rose Acceptance, Inc. 241 East Saginaw/Po Box 980 East Lansing, MI 48826 |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 122 |
| Total Mortgage Loan Application Amount | $4,317,000 |
| Average Mortgage Loan Application Amount | $35,385 |
| Highest Mortgage Loan Application Amount | $104,000 |
| Average Applicant Income | $36,057 |
| Highest Applicant Income | $109,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Rose Acceptance, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Yuma, Arizona | 4 | $ 188,000 | $ 47,000 | $ 36,000 |
| Muskegon, Michigan | 4 | $ 183,000 | $ 45,750 | $ 26,000 |
| Lake, Florida | 3 | $ 67,000 | $ 22,333 | $ 40,000 |
| Jasper, Iowa | 3 | $ 99,000 | $ 33,000 | $ 32,000 |
| Bell, Texas | 3 | $ 112,000 | $ 37,333 | $ 22,000 |
| Galveston, Texas | 3 | $ 167,000 | $ 55,666 | $ 47,000 |
| Montgomery, Texas | 3 | $ 186,000 | $ 62,000 | $ 49,000 |
| Jefferson, Alabama | 2 | $ 49,000 | $ 24,500 | $ 50,000 |
| Brevard, Florida | 2 | $ 78,000 | $ 39,000 | $ 34,000 |
| Clay, Florida | 2 | $ 71,000 | $ 35,500 | $ 28,000 |
| Volusia, Florida | 2 | $ 48,000 | $ 24,000 | $ 54,000 |
| Hall, Georgia | 2 | $ 68,000 | $ 34,000 | $ 30,000 |
| Montgomery, Iowa | 2 | $ 39,000 | $ 19,500 | $ 36,000 |
| Genesee, Michigan | 2 | $ 64,000 | $ 32,000 | $ 25,000 |
| Barry, Missouri | 2 | $ 39,000 | $ 19,500 | $ 23,000 |
| Anderson, South Carolina | 2 | $ 79,000 | $ 39,500 | $ 42,000 |
| Campbell, Tennessee | 2 | $ 41,000 | $ 20,500 | $ 20,000 |
| Angelina, Texas | 2 | $ 66,000 | $ 33,000 | $ 28,000 |
| Jefferson, Texas | 2 | $ 64,000 | $ 32,000 | $ 57,000 |
| Navarro, Texas | 2 | $ 65,000 | $ 32,500 | $ 33,000 |
| San Jacinto, Texas | 2 | $ 26,000 | $ 13,000 | $ 66,000 |
| DeKalb, Alabama | 1 | $ 28,000 | $ 28,000 | $ 44,000 |
| Maricopa, Arizona | 1 | $ 41,000 | $ 41,000 | $ 26,000 |
| Pueblo, Colorado | 1 | $ 37,000 | $ 37,000 | $ 63,000 |
| Charlotte, Florida | 1 | $ 35,000 | $ 35,000 | $ 38,000 |
| DeSoto, Florida | 1 | $ 65,000 | $ 65,000 | $ 72,000 |
| Highlands, Florida | 1 | $ 67,000 | $ 67,000 | $ 68,000 |
| Hillsborough, Florida | 1 | $ 76,000 | $ 76,000 | $ 63,000 |
| Levy, Florida | 1 | $ 55,000 | $ 55,000 | $ 41,000 |
| Marion, Florida | 1 | $ 11,000 | $ 11,000 | $ 18,000 |
| Pasco, Florida | 1 | $ 19,000 | $ 19,000 | $ 13,000 |
| Putnam, Florida | 1 | $ 12,000 | $ 12,000 | $ 109,000 |
| Burke, Georgia | 1 | $ 27,000 | $ 27,000 | $ 10,000 |
| Evans, Georgia | 1 | $ 19,000 | $ 19,000 | $ 84,000 |
| Jefferson, Georgia | 1 | $ 13,000 | $ 13,000 | $ 32,000 |
| Edgar, Illinois | 1 | $ 39,000 | $ 39,000 | $ 31,000 |
| Peoria, Illinois | 1 | $ 25,000 | $ 25,000 | $ 33,000 |
| Kosciusko, Indiana | 1 | $ 38,000 | $ 38,000 | $ 38,000 |
| St. Joseph, Indiana | 1 | $ 26,000 | $ 26,000 | $ 25,000 |
| Fayette, Iowa | 1 | $ 14,000 | $ 14,000 | $ 77,000 |
| Wapello, Iowa | 1 | $ 18,000 | $ 18,000 | $ 79,000 |
| Pulaski, Kentucky | 1 | $ 37,000 | $ 37,000 | $ 15,000 |
| Bay, Michigan | 1 | $ 43,000 | $ 43,000 | $ 40,000 |
| Gladwin, Michigan | 1 | $ 38,000 | $ 38,000 | $ 18,000 |
| Ingham, Michigan | 1 | $ 8,000 | $ 8,000 | $ 21,000 |
| Ionia, Michigan | 1 | $ 31,000 | $ 31,000 | $ 19,000 |
| Kalamazoo, Michigan | 1 | $ 32,000 | $ 32,000 | $ 19,000 |
| Lake, Michigan | 1 | $ 35,000 | $ 35,000 | $ 25,000 |
| Livingston, Michigan | 1 | $ 24,000 | $ 24,000 | $ 25,000 |
| Manistee, Michigan | 1 | $ 37,000 | $ 37,000 | $ 30,000 |
| Montcalm, Michigan | 1 | $ 63,000 | $ 63,000 | $ 30,000 |
| Newaygo, Michigan | 1 | $ 10,000 | $ 10,000 | $ 12,000 |
| Ogemaw, Michigan | 1 | $ 55,000 | $ 55,000 | $ 24,000 |
| Presque Isle, Michigan | 1 | $ 9,000 | $ 9,000 | $ 17,000 |
| Wayne, Michigan | 1 | $ 43,000 | $ 43,000 | $ 18,000 |
| St. Louis, Minnesota | 1 | $ 12,000 | $ 12,000 | $ 37,000 |
| Lauderdale, Mississippi | 1 | $ 26,000 | $ 26,000 | $ 26,000 |
| Pearl River, Mississippi | 1 | $ 60,000 | $ 60,000 | $ 60,000 |
| Warren, Missouri | 1 | $ 25,000 | $ 25,000 | $ 14,000 |
| Chautauqua, New York | 1 | $ 14,000 | $ 14,000 | $ 16,000 |
| Chenango, New York | 1 | $ 18,000 | $ 18,000 | $ 17,000 |
| Niagara, New York | 1 | $ 31,000 | $ 31,000 | $ 74,000 |
| Steuben, New York | 1 | $ 43,000 | $ 43,000 | $ 23,000 |
| Guilford, North Carolina | 1 | $ 39,000 | $ 39,000 | $ 44,000 |
| Crawford, Ohio | 1 | $ 15,000 | $ 15,000 | $ 13,000 |
| Van Wert, Ohio | 1 | $ 44,000 | $ 44,000 | $ 20,000 |
| Creek, Oklahoma | 1 | $ 30,000 | $ 30,000 | $ 20,000 |
| Oklahoma, Oklahoma | 1 | $ 59,000 | $ 59,000 | $ 34,000 |
| Washington, Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Chester, South Carolina | 1 | $ 24,000 | $ 24,000 | $ 29,000 |
| Spartanburg, South Carolina | 1 | $ 43,000 | $ 43,000 | $ 29,000 |
| Maury, Tennessee | 1 | $ 36,000 | $ 36,000 | $ 62,000 |
| Shelby, Tennessee | 1 | $ 11,000 | $ 11,000 | $ 63,000 |
| Blanco, Texas | 1 | $ 40,000 | $ 40,000 | $ 29,000 |
| Burnet, Texas | 1 | $ 51,000 | $ 51,000 | $ 17,000 |
| Caldwell, Texas | 1 | $ 28,000 | $ 28,000 | $ 26,000 |
| Calhoun, Texas | 1 | $ 28,000 | $ 28,000 | $ 28,000 |
| Dallas, Texas | 1 | $ 30,000 | $ 30,000 | $ 36,000 |
| El Paso, Texas | 1 | $ 86,000 | $ 86,000 | $ 56,000 |
| Gregg, Texas | 1 | $ 28,000 | $ 28,000 | $ 73,000 |
| Guadalupe, Texas | 1 | $ 79,000 | $ 79,000 | $ 52,000 |
| Harris, Texas | 1 | $ 104,000 | $ 104,000 | $ 105,000 |
| Jim Wells, Texas | 1 | $ 29,000 | $ 29,000 | $ 39,000 |
| Kerr, Texas | 1 | $ 68,000 | $ 68,000 | $ 33,000 |
| Lamar, Texas | 1 | $ 20,000 | $ 20,000 | $ 27,000 |
| Lavaca, Texas | 1 | $ 33,000 | $ 33,000 | $ 41,000 |
| Leon, Texas | 1 | $ 24,000 | $ 24,000 | $ 27,000 |
| Liberty, Texas | 1 | $ 28,000 | $ 28,000 | $ 32,000 |
| Nacogdoches, Texas | 1 | $ 19,000 | $ 19,000 | $ 14,000 |
| Tom Green, Texas | 1 | $ 75,000 | $ 75,000 | $ 23,000 |
| Victoria, Texas | 1 | $ 26,000 | $ 26,000 | $ 25,000 |
| Harrison, West Virginia | 1 | $ 27,000 | $ 27,000 | $ 17,000 |
Mortgage Loan Application Detail Totals for Rose Acceptance, Inc. 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 | 121 | $4,269,000 | $35,000 | $104,000 | $36,000 | $109,000 |
| Home Improvement | 1 | $48,000 | $48,000 | $48,000 | $43,000 | $43,000 |
| Refinancing | 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 | 60 | $1,806,000 | $30,000 | $80,000 | $33,000 | $109,000 |
| Not Provided | 26 | $1,080,000 | $41,000 | $104,000 | $43,000 | $105,000 |
| Hispanic | 18 | $849,000 | $47,000 | $86,000 | $33,000 | $68,000 |
| Black or African American | 9 | $297,000 | $33,000 | $76,000 | $37,000 | $63,000 |
| American Indian or Alaskan Native | 5 | $162,000 | $32,000 | $60,000 | $27,000 | $60,000 |
| Asian | 2 | $50,000 | $25,000 | $32,000 | $66,000 | $86,000 |
| Not applicable | 2 | $73,000 | $36,000 | $55,000 | $39,000 | $79,000 |
| 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) | 122 | $4,317,000 | $35,000 | $104,000 | $36,000 | $109,000 |
| 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 | 88 | $3,003,000 | $34,000 | $104,000 | $37,000 | $109,000 |
| Application Denied By Financial Institution | 18 | $823,000 | $45,000 | $75,000 | $39,000 | $86,000 |
| Application Approved But Not Accepted | 13 | $381,000 | $29,000 | $49,000 | $27,000 | $46,000 |
| Application Withdrawn By Applicant | 3 | $110,000 | $36,000 | $53,000 | $24,000 | $30,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Credit History | 9 | $449,000 | $49,000 | $75,000 | $34,000 | $49,000 |
| Debt-To-Income Ratio | 3 | $159,000 | $53,000 | $58,000 | $30,000 | $32,000 |
| Other | 3 | $130,000 | $43,000 | $64,000 | $48,000 | $73,000 |
| Unverifiable Information | 2 | $46,000 | $23,000 | $28,000 | $57,000 | $86,000 |
| Employment History | 1 | $39,000 | $39,000 | $39,000 | $44,000 | $44,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Rose Acceptance, Inc.'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 Rose Acceptance, Inc.'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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