Smc Capital Mortgage Lending & HMDA Data, 2004
In 2004, Smc Capital of Abingdon, MD reported 469 mortgage applications totaling $50.7 million. The average application was for $108,036, and applicants reported an average income of $44,407. 78% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Baltimore-Towson, MD (19), York-Hanover, PA (18) and Binghamton, NY (16) (applications in parentheses).
| Mortgage Company & Address | Smc Capital 3465 Box Hill Corporate Center Dr Ste H Abingdon, MD 21009 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2004 |
| Total Number of Mortgage Applications | 469 |
| Total Mortgage Loan Application Amount | $50,669,000 |
| Average Mortgage Loan Application Amount | $108,036 |
| Highest Mortgage Loan Application Amount | $283,000 |
| Average Applicant Income | $44,407 |
| Highest Applicant Income | $296,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Smc Capital filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| York, Pennsylvania | 18 | $ 1,969,000 | $ 109,388 | $ 42,000 |
| Broome, New York | 16 | $ 1,251,000 | $ 78,187 | $ 50,000 |
| Lancaster, Pennsylvania | 13 | $ 1,503,000 | $ 115,615 | $ 39,000 |
| Nassau, Florida | 11 | $ 964,000 | $ 87,636 | $ 27,000 |
| Baltimore, Maryland | 10 | $ 1,282,000 | $ 128,200 | $ 43,000 |
| Delaware, Pennsylvania | 10 | $ 1,291,000 | $ 129,100 | $ 50,000 |
| Worcester, Massachusetts | 9 | $ 1,599,000 | $ 177,666 | $ 58,000 |
| Chenango, New York | 8 | $ 475,000 | $ 59,375 | $ 44,000 |
| Craven, North Carolina | 8 | $ 792,000 | $ 99,000 | $ 52,000 |
| Shelby, Tennessee | 8 | $ 669,000 | $ 83,625 | $ 32,000 |
| De Soto, Louisiana | 6 | $ 521,000 | $ 86,833 | $ 41,000 |
| Bossier, Louisiana | 5 | $ 478,000 | $ 95,600 | $ 33,000 |
| Caddo, Louisiana | 5 | $ 351,000 | $ 70,200 | $ 25,000 |
| Anne Arundel, Maryland | 5 | $ 813,000 | $ 162,600 | $ 44,000 |
| Atlantic, New Jersey | 5 | $ 701,000 | $ 140,200 | $ 58,000 |
| Cumberland, New Jersey | 5 | $ 484,000 | $ 96,800 | $ 52,000 |
| Onondaga, New York | 5 | $ 497,000 | $ 99,400 | $ 29,000 |
| Ashtabula, Ohio | 5 | $ 435,000 | $ 87,000 | $ 38,000 |
| Cuyahoga, Ohio | 5 | $ 390,000 | $ 78,000 | $ 34,000 |
| Blair, Pennsylvania | 5 | $ 384,000 | $ 76,800 | $ 28,000 |
| Cambria, Pennsylvania | 5 | $ 308,000 | $ 61,600 | $ 32,000 |
| Sevier, Tennessee | 5 | $ 599,000 | $ 119,800 | $ 47,000 |
| Hillsborough, Florida | 4 | $ 386,000 | $ 96,500 | $ 41,000 |
| Miami-Dade, Florida | 4 | $ 668,000 | $ 167,000 | $ 70,000 |
| Walton, Florida | 4 | $ 422,000 | $ 105,500 | $ 42,000 |
| Gwinnett, Georgia | 4 | $ 662,000 | $ 165,500 | $ 51,000 |
| Greene, Missouri | 4 | $ 289,000 | $ 72,250 | $ 33,000 |
| Gibson, Tennessee | 4 | $ 266,000 | $ 66,500 | $ 31,000 |
| Madison, Tennessee | 4 | $ 297,000 | $ 74,250 | $ 27,000 |
| Tarrant, Texas | 4 | $ 477,000 | $ 119,250 | $ 52,000 |
| Mobile, Alabama | 3 | $ 271,000 | $ 90,333 | $ 30,000 |
| New Castle, Delaware | 3 | $ 482,000 | $ 160,666 | $ 42,000 |
| Duval, Florida | 3 | $ 228,000 | $ 76,000 | $ 23,000 |
| St. Tammany, Louisiana | 3 | $ 261,000 | $ 87,000 | $ 38,000 |
| Webster, Louisiana | 3 | $ 338,000 | $ 112,666 | $ 41,000 |
| Warren, Mississippi | 3 | $ 236,000 | $ 78,666 | $ 30,000 |
| Clark, Nevada | 3 | $ 406,000 | $ 135,333 | $ 27,000 |
| Camden, New Jersey | 3 | $ 304,000 | $ 101,333 | $ 53,000 |
| Gloucester, New Jersey | 3 | $ 374,000 | $ 124,666 | $ 50,000 |
| Monroe, New York | 3 | $ 390,000 | $ 130,000 | $ 121,000 |
| Otsego, New York | 3 | $ 180,000 | $ 60,000 | $ 40,000 |
| Hamilton, Tennessee | 3 | $ 340,000 | $ 113,333 | $ 50,000 |
| Dallas, Texas | 3 | $ 376,000 | $ 125,333 | $ 43,000 |
| Wise, Texas | 3 | $ 304,000 | $ 101,333 | $ 42,000 |
| Virginia Beach, Virginia | 3 | $ 444,000 | $ 148,000 | $ 64,000 |
| Jefferson, Alabama | 2 | $ 177,000 | $ 88,500 | $ 14,000 |
| Windham, Connecticut | 2 | $ 208,000 | $ 104,000 | $ 14,000 |
| Citrus, Florida | 2 | $ 137,000 | $ 68,500 | $ 40,000 |
| Putnam, Florida | 2 | $ 160,000 | $ 80,000 | $ 42,000 |
| Columbia, Georgia | 2 | $ 214,000 | $ 107,000 | $ 43,000 |
| Oconee, Georgia | 2 | $ 163,000 | $ 81,500 | $ 12,000 |
| Cook, Illinois | 2 | $ 185,000 | $ 92,500 | $ 23,000 |
| Natchitoches, Louisiana | 2 | $ 210,000 | $ 105,000 | $ 45,000 |
| Rapides, Louisiana | 2 | $ 171,000 | $ 85,500 | $ 28,000 |
| Howard, Maryland | 2 | $ 429,000 | $ 214,500 | $ 116,000 |
| Prince George's, Maryland | 2 | $ 344,000 | $ 172,000 | $ 59,000 |
| Washington, Maryland | 2 | $ 274,000 | $ 137,000 | $ 27,000 |
| Macomb, Michigan | 2 | $ 225,000 | $ 112,500 | $ 0 |
| Wayne, Michigan | 2 | $ 144,000 | $ 72,000 | $ 35,000 |
| Lee, Mississippi | 2 | $ 178,000 | $ 89,000 | $ 45,000 |
| Panola, Mississippi | 2 | $ 138,000 | $ 69,000 | $ 35,000 |
| Pontotoc, Mississippi | 2 | $ 158,000 | $ 79,000 | $ 32,000 |
| Audrain, Missouri | 2 | $ 248,000 | $ 124,000 | $ 51,000 |
| Essex, New Jersey | 2 | $ 424,000 | $ 212,000 | $ 69,000 |
| Union, New Jersey | 2 | $ 397,000 | $ 198,500 | $ 74,000 |
| Delaware, New York | 2 | $ 240,000 | $ 120,000 | $ 85,000 |
| Erie, New York | 2 | $ 134,000 | $ 67,000 | $ 36,000 |
| Madison, New York | 2 | $ 112,000 | $ 56,000 | $ 28,000 |
| Beaufort, North Carolina | 2 | $ 163,000 | $ 81,500 | $ 29,000 |
| Johnston, North Carolina | 2 | $ 213,000 | $ 106,500 | $ 25,000 |
| Lenoir, North Carolina | 2 | $ 213,000 | $ 106,500 | $ 54,000 |
| Pitt, North Carolina | 2 | $ 200,000 | $ 100,000 | $ 58,000 |
| Surry, North Carolina | 2 | $ 203,000 | $ 101,500 | $ 36,000 |
| Hamilton, Ohio | 2 | $ 191,000 | $ 95,500 | $ 43,000 |
| Washington, Ohio | 2 | $ 172,000 | $ 86,000 | $ 60,000 |
| Dauphin, Pennsylvania | 2 | $ 209,000 | $ 104,500 | $ 37,000 |
| Cocke, Tennessee | 2 | $ 104,000 | $ 52,000 | $ 22,000 |
| Davidson, Tennessee | 2 | $ 216,000 | $ 108,000 | $ 28,000 |
| Henderson, Tennessee | 2 | $ 190,000 | $ 95,000 | $ 47,000 |
| Knox, Tennessee | 2 | $ 184,000 | $ 92,000 | $ 30,000 |
| Montgomery, Texas | 2 | $ 205,000 | $ 102,500 | $ 43,000 |
| Prince William, Virginia | 2 | $ 484,000 | $ 242,000 | $ 56,000 |
| Wise, Virginia | 2 | $ 283,000 | $ 141,500 | $ 81,000 |
| Jackson, West Virginia | 2 | $ 184,000 | $ 92,000 | $ 32,000 |
| Wood, West Virginia | 2 | $ 138,000 | $ 69,000 | $ 29,000 |
| Colbert, Alabama | 1 | $ 158,000 | $ 158,000 | $ 92,000 |
| Madison, Alabama | 1 | $ 91,000 | $ 91,000 | $ 37,000 |
| Maricopa, Arizona | 1 | $ 93,000 | $ 93,000 | $ 26,000 |
| Benton, Arkansas | 1 | $ 118,000 | $ 118,000 | $ 60,000 |
| Riverside, California | 1 | $ 124,000 | $ 124,000 | $ 57,000 |
| El Paso, Colorado | 1 | $ 201,000 | $ 201,000 | $ 69,000 |
| Pueblo, Colorado | 1 | $ 31,000 | $ 31,000 | $ 20,000 |
| Fairfield, Connecticut | 1 | $ 243,000 | $ 243,000 | $ 103,000 |
| New London, Connecticut | 1 | $ 151,000 | $ 151,000 | $ 98,000 |
| Sussex, Delaware | 1 | $ 163,000 | $ 163,000 | $ 46,000 |
| District of Columbia, District Of Columbia | 1 | $ 181,000 | $ 181,000 | $ 0 |
| Alachua, Florida | 1 | $ 119,000 | $ 119,000 | $ 43,000 |
| Bradford, Florida | 1 | $ 59,000 | $ 59,000 | $ 31,000 |
| Clay, Florida | 1 | $ 63,000 | $ 63,000 | $ 41,000 |
| Collier, Florida | 1 | $ 153,000 | $ 153,000 | $ 44,000 |
| Indian River, Florida | 1 | $ 129,000 | $ 129,000 | $ 37,000 |
| Lee, Florida | 1 | $ 77,000 | $ 77,000 | $ 44,000 |
| Manatee, Florida | 1 | $ 143,000 | $ 143,000 | $ 40,000 |
| Osceola, Florida | 1 | $ 116,000 | $ 116,000 | $ 67,000 |
| Pasco, Florida | 1 | $ 80,000 | $ 80,000 | $ 48,000 |
| Seminole, Florida | 1 | $ 75,000 | $ 75,000 | $ 28,000 |
| St. Lucie, Florida | 1 | $ 128,000 | $ 128,000 | $ 33,000 |
| Volusia, Florida | 1 | $ 87,000 | $ 87,000 | $ 25,000 |
| Carroll, Georgia | 1 | $ 100,000 | $ 100,000 | $ 28,000 |
| Cobb, Georgia | 1 | $ 176,000 | $ 176,000 | $ 49,000 |
| Douglas, Georgia | 1 | $ 151,000 | $ 151,000 | $ 51,000 |
| Morgan, Georgia | 1 | $ 93,000 | $ 93,000 | $ 29,000 |
| Union, Georgia | 1 | $ 105,000 | $ 105,000 | $ 42,000 |
| Walton, Georgia | 1 | $ 175,000 | $ 175,000 | $ 50,000 |
| Monroe, Illinois | 1 | $ 115,000 | $ 115,000 | $ 73,000 |
| Hendricks, Indiana | 1 | $ 73,000 | $ 73,000 | $ 50,000 |
| Jackson, Indiana | 1 | $ 99,000 | $ 99,000 | $ 26,000 |
| Vanderburgh, Indiana | 1 | $ 74,000 | $ 74,000 | $ 32,000 |
| Johnson, Kansas | 1 | $ 121,000 | $ 121,000 | $ 38,000 |
| Sedgwick, Kansas | 1 | $ 165,000 | $ 165,000 | $ 40,000 |
| Wyandotte, Kansas | 1 | $ 93,000 | $ 93,000 | $ 0 |
| Christian, Kentucky | 1 | $ 79,000 | $ 79,000 | $ 29,000 |
| Jefferson, Kentucky | 1 | $ 152,000 | $ 152,000 | $ 57,000 |
| East Baton Rouge, Louisiana | 1 | $ 119,000 | $ 119,000 | $ 125,000 |
| Winn, Louisiana | 1 | $ 63,000 | $ 63,000 | $ 89,000 |
| Baltimore City, Maryland | 1 | $ 89,000 | $ 89,000 | $ 36,000 |
| Cecil, Maryland | 1 | $ 128,000 | $ 128,000 | $ 43,000 |
| Charles, Maryland | 1 | $ 245,000 | $ 245,000 | $ 74,000 |
| Harford, Maryland | 1 | $ 215,000 | $ 215,000 | $ 75,000 |
| Montgomery, Maryland | 1 | $ 202,000 | $ 202,000 | $ 44,000 |
| Worcester, Maryland | 1 | $ 37,000 | $ 37,000 | $ 40,000 |
| Essex, Massachusetts | 1 | $ 207,000 | $ 207,000 | $ 73,000 |
| Hampden, Massachusetts | 1 | $ 173,000 | $ 173,000 | $ 68,000 |
| Allegan, Michigan | 1 | $ 89,000 | $ 89,000 | $ 23,000 |
| Eaton, Michigan | 1 | $ 107,000 | $ 107,000 | $ 30,000 |
| Oakland, Michigan | 1 | $ 173,000 | $ 173,000 | $ 149,000 |
| Wexford, Michigan | 1 | $ 97,000 | $ 97,000 | $ 47,000 |
| Calhoun, Mississippi | 1 | $ 70,000 | $ 70,000 | $ 30,000 |
| DeSoto, Mississippi | 1 | $ 159,000 | $ 159,000 | $ 70,000 |
| Grenada, Mississippi | 1 | $ 83,000 | $ 83,000 | $ 38,000 |
| Marshall, Mississippi | 1 | $ 57,000 | $ 57,000 | $ 99,000 |
| Christian, Missouri | 1 | $ 152,000 | $ 152,000 | $ 0 |
| Franklin, Missouri | 1 | $ 77,000 | $ 77,000 | $ 30,000 |
| Jackson, Missouri | 1 | $ 172,000 | $ 172,000 | $ 21,000 |
| Jasper, Missouri | 1 | $ 45,000 | $ 45,000 | $ 21,000 |
| Lawrence, Missouri | 1 | $ 58,000 | $ 58,000 | $ 20,000 |
| Lincoln, Missouri | 1 | $ 152,000 | $ 152,000 | $ 65,000 |
| St. Louis, Missouri | 1 | $ 167,000 | $ 167,000 | $ 65,000 |
| Stone, Missouri | 1 | $ 83,000 | $ 83,000 | $ 0 |
| Taney, Missouri | 1 | $ 55,000 | $ 55,000 | $ 21,000 |
| Warren, Missouri | 1 | $ 75,000 | $ 75,000 | $ 19,000 |
| Lyon, Nevada | 1 | $ 89,000 | $ 89,000 | $ 43,000 |
| Washoe, Nevada | 1 | $ 116,000 | $ 116,000 | $ 42,000 |
| Bergen, New Jersey | 1 | $ 150,000 | $ 150,000 | $ 74,000 |
| Ocean, New Jersey | 1 | $ 187,000 | $ 187,000 | $ 96,000 |
| Sussex, New Jersey | 1 | $ 232,000 | $ 232,000 | $ 80,000 |
| San Juan, New Mexico | 1 | $ 92,000 | $ 92,000 | $ 51,000 |
| Albany, New York | 1 | $ 104,000 | $ 104,000 | $ 53,000 |
| Cayuga, New York | 1 | $ 66,000 | $ 66,000 | $ 34,000 |
| Kings, New York | 1 | $ 283,000 | $ 283,000 | $ 0 |
| Oswego, New York | 1 | $ 80,000 | $ 80,000 | $ 39,000 |
| Saratoga, New York | 1 | $ 138,000 | $ 138,000 | $ 61,000 |
| Warren, New York | 1 | $ 126,000 | $ 126,000 | $ 67,000 |
| Carteret, North Carolina | 1 | $ 99,000 | $ 99,000 | $ 54,000 |
| Chowan, North Carolina | 1 | $ 110,000 | $ 110,000 | $ 42,000 |
| Cumberland, North Carolina | 1 | $ 88,000 | $ 88,000 | $ 29,000 |
| Duplin, North Carolina | 1 | $ 153,000 | $ 153,000 | $ 47,000 |
| Durham, North Carolina | 1 | $ 165,000 | $ 165,000 | $ 44,000 |
| Granville, North Carolina | 1 | $ 87,000 | $ 87,000 | $ 27,000 |
| Lee, North Carolina | 1 | $ 162,000 | $ 162,000 | $ 64,000 |
| Nash, North Carolina | 1 | $ 138,000 | $ 138,000 | $ 65,000 |
| New Hanover, North Carolina | 1 | $ 104,000 | $ 104,000 | $ 30,000 |
| Pender, North Carolina | 1 | $ 82,000 | $ 82,000 | $ 31,000 |
| Stokes, North Carolina | 1 | $ 82,000 | $ 82,000 | $ 65,000 |
| Wayne, North Carolina | 1 | $ 112,000 | $ 112,000 | $ 37,000 |
| Lucas, Ohio | 1 | $ 69,000 | $ 69,000 | $ 28,000 |
| Montgomery, Ohio | 1 | $ 64,000 | $ 64,000 | $ 35,000 |
| Perry, Ohio | 1 | $ 76,000 | $ 76,000 | $ 54,000 |
| Portage, Ohio | 1 | $ 123,000 | $ 123,000 | $ 61,000 |
| Ross, Ohio | 1 | $ 86,000 | $ 86,000 | $ 63,000 |
| Creek, Oklahoma | 1 | $ 66,000 | $ 66,000 | $ 0 |
| McIntosh, Oklahoma | 1 | $ 41,000 | $ 41,000 | $ 18,000 |
| Tulsa, Oklahoma | 1 | $ 77,000 | $ 77,000 | $ 59,000 |
| Armstrong, Pennsylvania | 1 | $ 106,000 | $ 106,000 | $ 30,000 |
| Berks, Pennsylvania | 1 | $ 68,000 | $ 68,000 | $ 50,000 |
| Butler, Pennsylvania | 1 | $ 49,000 | $ 49,000 | $ 45,000 |
| Centre, Pennsylvania | 1 | $ 61,000 | $ 61,000 | $ 31,000 |
| Crawford, Pennsylvania | 1 | $ 113,000 | $ 113,000 | $ 66,000 |
| Cumberland, Pennsylvania | 1 | $ 137,000 | $ 137,000 | $ 88,000 |
| Franklin, Pennsylvania | 1 | $ 152,000 | $ 152,000 | $ 58,000 |
| Montgomery, Pennsylvania | 1 | $ 219,000 | $ 219,000 | $ 81,000 |
| Philadelphia, Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 25,000 |
| Susquehanna, Pennsylvania | 1 | $ 46,000 | $ 46,000 | $ 56,000 |
| Providence, Rhode Island | 1 | $ 213,000 | $ 213,000 | $ 58,000 |
| Sumter, South Carolina | 1 | $ 79,000 | $ 79,000 | $ 41,000 |
| Carroll, Tennessee | 1 | $ 58,000 | $ 58,000 | $ 41,000 |
| Chester, Tennessee | 1 | $ 112,000 | $ 112,000 | $ 23,000 |
| Crockett, Tennessee | 1 | $ 90,000 | $ 90,000 | $ 41,000 |
| Hardeman, Tennessee | 1 | $ 43,000 | $ 43,000 | $ 13,000 |
| Hardin, Tennessee | 1 | $ 62,000 | $ 62,000 | $ 27,000 |
| Hawkins, Tennessee | 1 | $ 102,000 | $ 102,000 | $ 30,000 |
| Haywood, Tennessee | 1 | $ 80,000 | $ 80,000 | $ 36,000 |
| Montgomery, Tennessee | 1 | $ 76,000 | $ 76,000 | $ 21,000 |
| Sullivan, Tennessee | 1 | $ 80,000 | $ 80,000 | $ 31,000 |
| Sumner, Tennessee | 1 | $ 87,000 | $ 87,000 | $ 38,000 |
| Collin, Texas | 1 | $ 173,000 | $ 173,000 | $ 66,000 |
| Coryell, Texas | 1 | $ 76,000 | $ 76,000 | $ 28,000 |
| Polk, Texas | 1 | $ 63,000 | $ 63,000 | $ 36,000 |
| Smith, Texas | 1 | $ 140,000 | $ 140,000 | $ 60,000 |
| Travis, Texas | 1 | $ 168,000 | $ 168,000 | $ 73,000 |
| Fairfax, Virginia | 1 | $ 128,000 | $ 128,000 | $ 41,000 |
| Greensville, Virginia | 1 | $ 117,000 | $ 117,000 | $ 35,000 |
| Henry, Virginia | 1 | $ 129,000 | $ 129,000 | $ 42,000 |
| Montgomery, Virginia | 1 | $ 98,000 | $ 98,000 | $ 25,000 |
| Norfolk, Virginia | 1 | $ 82,000 | $ 82,000 | $ 0 |
| Pittsylvania, Virginia | 1 | $ 64,000 | $ 64,000 | $ 33,000 |
| Spotsylvania, Virginia | 1 | $ 143,000 | $ 143,000 | $ 46,000 |
| Stafford, Virginia | 1 | $ 255,000 | $ 255,000 | $ 100,000 |
| Suffolk, Virginia | 1 | $ 98,000 | $ 98,000 | $ 44,000 |
| Spokane, Washington | 1 | $ 83,000 | $ 83,000 | $ 32,000 |
| Brooke, West Virginia | 1 | $ 58,000 | $ 58,000 | $ 33,000 |
| Cabell, West Virginia | 1 | $ 82,000 | $ 82,000 | $ 35,000 |
| Marshall, West Virginia | 1 | $ 63,000 | $ 63,000 | $ 58,000 |
| Ohio, West Virginia | 1 | $ 67,000 | $ 67,000 | $ 34,000 |
Mortgage Loan Application Detail Totals for Smc Capital 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 344 | $36,094,000 | $111,057 | $275,000 | $48,057 | $172,000 |
| Refinancing | 125 | $14,575,000 | $119,360 | $283,000 | $38,320 | $296,000 |
| 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 | 290 | $29,523,000 | $113,931 | $275,000 | $45,310 | $296,000 |
| Black or African American | 78 | $8,371,000 | $111,235 | $236,000 | $46,529 | $149,000 |
| Not Provided | 65 | $7,648,000 | $113,571 | $255,000 | $47,666 | $125,000 |
| Hispanic | 27 | $3,874,000 | $136,470 | $283,000 | $35,882 | $89,000 |
| Asian | 5 | $675,000 | $126,750 | $177,000 | $37,500 | $87,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $423,000 | $141,000 | $172,000 | $35,000 | $51,000 |
| American Indian or Alaskan Native | 1 | $155,000 | $155,000 | $155,000 | $172,000 | $172,000 |
| 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 449 | $48,317,000 | $114,694 | $283,000 | $46,194 | $296,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 19 | $2,233,000 | $119,166 | $223,000 | $31,166 | $81,000 |
| VA-guaranteed (Veterans Administration) | 1 | $119,000 | $119,000 | $119,000 | $28,000 | $28,000 |
| 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 | 366 | $38,427,000 | $112,235 | $283,000 | $48,852 | $296,000 |
| Application Denied By Financial Institution | 67 | $7,868,000 | $113,652 | $245,000 | $36,739 | $81,000 |
| Application Withdrawn By Applicant | 21 | $2,349,000 | $110,076 | $227,000 | $39,384 | $68,000 |
| Application Approved But Not Accepted | 12 | $1,608,000 | $137,600 | $181,000 | $43,600 | $104,000 |
| File Closed For Incompleteness | 3 | $417,000 | $139,000 | $242,000 | $48,666 | $62,000 |
| 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 | 1 | $165,000 | $165,000 | $165,000 | $40,000 | $40,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Smc Capital'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 Smc Capital'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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