The Leader Mortgage Company Mortgage Lending & HMDA Data, 2003
In 2003, The Leader Mortgage Company of Bedford, OH reported 15,746 mortgage applications totaling $1.5 billion. The average application was for $95,485, and applicants reported an average income of $5,055. 9% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Indianapolis, IN (856), Oklahoma City, OK (791) and Orlando, FL (675) (applications in parentheses).
| Mortgage Company & Address | The Leader Mortgage Company 17500 Rockside Road Bedford, OH 44146 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2003 |
| Total Number of Mortgage Applications | 15,746 |
| Total Mortgage Loan Application Amount | $1,503,522,000 |
| Average Mortgage Loan Application Amount | $95,485 |
| Highest Mortgage Loan Application Amount | $389,000 |
| Average Applicant Income | $5,055 |
| Highest Applicant Income | $222,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records The Leader Mortgage Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Indianapolis, IN | 856 | $ 78,090,000 | $ 91,226 | $ 7,000 |
| Oklahoma City, OK | 791 | $ 59,326,000 | $ 75,001 | $ 5,000 |
| Orlando, FL | 675 | $ 65,931,000 | $ 97,675 | $ 12,000 |
| New Orleans, LA | 674 | $ 59,859,000 | $ 88,811 | $ 12,000 |
| Wichita, KS | 559 | $ 38,896,000 | $ 69,581 | $ 24,000 |
| Cleveland-Lorain-Elyria, OH | 556 | $ 52,799,000 | $ 94,962 | $ 17,000 |
| Phoenix-Mesa, AZ | 460 | $ 50,640,000 | $ 110,086 | $ 9,000 |
| Bakersfield, CA | 421 | $ 45,852,000 | $ 108,912 | $ 20,000 |
| Hartford, CT | 419 | $ 50,506,000 | $ 120,539 | $ 0 |
| Baton Rouge, LA | 410 | $ 32,534,000 | $ 79,351 | $ 10,000 |
| Tampa-St. Petersburg-Clearwater, FL | 324 | $ 28,516,000 | $ 88,012 | $ 11,000 |
| Topeka, KS | 324 | $ 21,463,000 | $ 66,243 | $ 0 |
| Little Rock-North Little Rock, AR | 323 | $ 23,043,000 | $ 71,340 | $ 2,000 |
| Cincinnati, OH-KY-IN | 311 | $ 29,458,000 | $ 94,720 | $ 10,000 |
| Sacramento, CA | 296 | $ 53,131,000 | $ 179,496 | $ 27,000 |
| Riverside-San Bernardino, CA | 286 | $ 41,188,000 | $ 144,013 | $ 31,000 |
| Columbus, OH | 258 | $ 23,130,000 | $ 89,651 | $ 10,000 |
| San Antonio, TX | 257 | $ 21,181,000 | $ 82,416 | $ 0 |
| Pittsburgh, PA | 231 | $ 14,121,000 | $ 61,129 | $ 0 |
| Spokane, WA | 216 | $ 17,206,000 | $ 79,657 | $ 0 |
| Fort Smith, AR-OK | 213 | $ 14,127,000 | $ 66,323 | $ 7,000 |
| Fort Wayne, IN | 194 | $ 12,523,000 | $ 64,551 | $ 12,000 |
| Oakland, CA | 185 | $ 43,109,000 | $ 233,021 | $ 47,000 |
| Stockton-Lodi, CA | 180 | $ 33,657,000 | $ 186,983 | $ 33,000 |
| Fayetteville-Springdale-Rogers, AR | 161 | $ 12,137,000 | $ 75,385 | $ 0 |
| Miami, FL | 158 | $ 13,459,000 | $ 85,183 | $ 20,000 |
| Terre Haute, IN | 154 | $ 9,597,000 | $ 62,318 | $ 0 |
| Melbourne-Titusville-Palm Bay, FL | 152 | $ 13,139,000 | $ 86,440 | $ 13,000 |
| New Haven-Meriden, CT | 143 | $ 19,004,000 | $ 132,895 | $ 0 |
| Pensacola, FL | 141 | $ 10,025,000 | $ 71,099 | $ 0 |
| New London-Norwich, CT-RI | 132 | $ 17,883,000 | $ 135,477 | $ 0 |
| Tulsa, OK | 131 | $ 10,668,000 | $ 81,435 | $ 3,000 |
| Modesto, CA | 130 | $ 22,383,000 | $ 172,176 | $ 23,000 |
| Seattle-Bellevue-Everett, WA | 130 | $ 19,195,000 | $ 147,653 | $ 0 |
| Gary, IN | 126 | $ 9,726,000 | $ 77,190 | $ 0 |
| Houston, TX | 125 | $ 11,482,000 | $ 91,856 | $ 0 |
| Bridgeport, CT | 120 | $ 17,785,000 | $ 148,208 | $ 0 |
| Dayton-Springfield, OH | 100 | $ 7,823,000 | $ 78,230 | $ 7,000 |
| Tallahassee, FL | 100 | $ 8,011,000 | $ 80,110 | $ 0 |
| Pine Bluff, AR | 93 | $ 5,203,000 | $ 55,946 | $ 0 |
| Waterbury, CT | 90 | $ 9,505,000 | $ 105,611 | $ 0 |
| Lawton, OK | 88 | $ 5,765,000 | $ 65,511 | $ 0 |
| Shreveport-Bossier City, LA | 84 | $ 5,614,000 | $ 66,833 | $ 0 |
| Lakeland-Winter Haven, FL | 81 | $ 7,806,000 | $ 96,370 | $ 17,000 |
| Akron, OH | 78 | $ 6,564,000 | $ 84,153 | $ 11,000 |
| Daytona Beach, FL | 74 | $ 6,814,000 | $ 92,081 | $ 6,000 |
| Jacksonville, FL | 68 | $ 6,592,000 | $ 96,941 | $ 16,000 |
| Vallejo-Fairfield-Napa, CA | 65 | $ 14,613,000 | $ 224,815 | $ 35,000 |
| Fresno, CA | 59 | $ 6,979,000 | $ 118,288 | $ 20,000 |
| Los Angeles-Long Beach, CA | 59 | $ 11,641,000 | $ 197,305 | $ 0 |
| Redding, CA | 58 | $ 7,575,000 | $ 130,603 | $ 10,000 |
| Galveston-Texas City, TX | 53 | $ 4,021,000 | $ 75,867 | $ 0 |
| Tacoma, WA | 53 | $ 6,590,000 | $ 124,339 | $ 0 |
| Minneapolis-St. Paul, MN-WI | 51 | $ 6,760,000 | $ 132,549 | $ 0 |
| San Diego, CA | 51 | $ 11,569,000 | $ 226,843 | $ 12,000 |
| Youngstown-Warren, OH | 51 | $ 3,491,000 | $ 68,450 | $ 13,000 |
| Canton-Massillon, OH | 50 | $ 4,045,000 | $ 80,900 | $ 9,000 |
| Merced, CA | 49 | $ 6,965,000 | $ 142,142 | $ 42,000 |
| Hamilton-Middletown, OH | 48 | $ 4,540,000 | $ 94,583 | $ 2,000 |
| Lafayette, IN | 48 | $ 4,188,000 | $ 87,250 | $ 0 |
| Tucson, AZ | 46 | $ 4,210,000 | $ 91,521 | $ 0 |
| Alexandria, LA | 44 | $ 3,090,000 | $ 70,227 | $ 4,000 |
| Ventura, CA | 40 | $ 8,822,000 | $ 220,550 | $ 0 |
| Jonesboro, AR | 39 | $ 2,621,000 | $ 67,205 | $ 0 |
| Waco, TX | 39 | $ 2,738,000 | $ 70,205 | $ 0 |
| Fort Lauderdale, FL | 36 | $ 3,403,000 | $ 94,527 | $ 22,000 |
| Evansville-Henderson, IN-KY | 35 | $ 2,591,000 | $ 74,028 | $ 0 |
| Wichita Falls, TX | 35 | $ 1,906,000 | $ 54,457 | $ 0 |
| Fort Pierce-Port St. Lucie, FL | 34 | $ 3,003,000 | $ 88,323 | $ 9,000 |
| Bellingham, WA | 32 | $ 3,530,000 | $ 110,312 | $ 0 |
| Danbury, CT | 32 | $ 5,894,000 | $ 184,187 | $ 0 |
| Panama City, FL | 32 | $ 2,080,000 | $ 65,000 | $ 0 |
| Kokomo, IN | 27 | $ 1,973,000 | $ 73,074 | $ 0 |
| Austin-San Marcos, TX | 22 | $ 2,702,000 | $ 122,818 | $ 0 |
| West Palm Beach-Boca Raton, FL | 22 | $ 2,196,000 | $ 99,818 | $ 23,000 |
| Fort Myers-Cape Coral, FL | 21 | $ 2,103,000 | $ 100,142 | $ 6,000 |
| Richland-Kennewick-Pasco, WA | 20 | $ 1,902,000 | $ 95,100 | $ 0 |
| Visalia-Tulare-Porterville, CA | 19 | $ 1,807,000 | $ 95,105 | $ 7,000 |
| Yuba City, CA | 19 | $ 2,132,000 | $ 112,210 | $ 14,000 |
| Brazoria, TX | 18 | $ 1,274,000 | $ 70,777 | $ 0 |
| Chico-Paradise, CA | 17 | $ 1,802,000 | $ 106,000 | $ 9,000 |
| Mansfield, OH | 14 | $ 783,000 | $ 55,928 | $ 4,000 |
| South Bend, IN | 14 | $ 1,027,000 | $ 73,357 | $ 13,000 |
| Orange County, CA | 13 | $ 2,346,000 | $ 180,461 | $ 0 |
| Lima, OH | 12 | $ 792,000 | $ 66,000 | $ 0 |
| St. Cloud, MN | 12 | $ 1,213,000 | $ 101,083 | $ 0 |
| Toledo, OH | 12 | $ 1,006,000 | $ 83,833 | $ 29,000 |
| Yakima, WA | 12 | $ 943,000 | $ 78,583 | $ 0 |
| Bremerton, WA | 11 | $ 1,098,000 | $ 99,818 | $ 0 |
| Yolo, CA | 11 | $ 2,088,000 | $ 189,818 | $ 0 |
| Corpus Christi, TX | 10 | $ 857,000 | $ 85,700 | $ 0 |
| El Paso, TX | 10 | $ 770,000 | $ 77,000 | $ 0 |
| Elkhart-Goshen, IN | 10 | $ 662,000 | $ 66,200 | $ 0 |
| Olympia, WA | 10 | $ 1,120,000 | $ 112,000 | $ 0 |
| Dallas, TX | 9 | $ 1,006,000 | $ 111,777 | $ 0 |
| Salinas, CA | 7 | $ 1,749,000 | $ 249,857 | $ 23,000 |
| Santa Barbara-Santa Maria-Lompoc, CA | 7 | $ 1,610,000 | $ 230,000 | $ 0 |
| Sarasota-Bradenton, FL | 7 | $ 550,000 | $ 78,571 | $ 4,000 |
| Enid, OK | 6 | $ 262,000 | $ 43,666 | $ 0 |
| Yuma, AZ | 6 | $ 489,000 | $ 81,500 | $ 0 |
| Bloomington, IN | 5 | $ 392,000 | $ 78,400 | $ 0 |
| Stamford-Norwalk, CT | 5 | $ 771,000 | $ 154,200 | $ 0 |
| Ocala, FL | 4 | $ 245,000 | $ 61,250 | $ 0 |
| Punta Gorda, FL | 4 | $ 355,000 | $ 88,750 | $ 0 |
| San Francisco, CA | 4 | $ 836,000 | $ 209,000 | $ 0 |
| Fort Worth-Arlington, TX | 3 | $ 424,000 | $ 141,333 | $ 0 |
| Gainesville, FL | 3 | $ 197,000 | $ 65,666 | $ 0 |
| Houma, LA | 3 | $ 210,000 | $ 70,000 | $ 0 |
| Lafayette, LA | 3 | $ 203,000 | $ 67,666 | $ 0 |
| McAllen-Edinburg-Mission, TX | 3 | $ 239,000 | $ 79,666 | $ 0 |
| San Luis Obispo-Atascadero-Paso Robles, CA | 3 | $ 768,000 | $ 256,000 | $ 0 |
| Steubenville-Weirton, OH-WV | 3 | $ 194,000 | $ 64,666 | $ 0 |
| Muncie, IN | 2 | $ 125,000 | $ 62,500 | $ 22,000 |
| Naples, FL | 2 | $ 265,000 | $ 132,500 | $ 0 |
| San Jose, CA | 2 | $ 498,000 | $ 249,000 | $ 0 |
| Sherman-Denison, TX | 2 | $ 136,000 | $ 68,000 | $ 0 |
| Amarillo, TX | 1 | $ 89,000 | $ 89,000 | $ 0 |
| Beaumont-Port Arthur, TX | 1 | $ 74,000 | $ 74,000 | $ 0 |
| Bryan-College Station, TX | 1 | $ 122,000 | $ 122,000 | $ 0 |
| Fort Walton Beach, FL | 1 | $ 69,000 | $ 69,000 | $ 0 |
| Lake Charles, LA | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Lawrence, KS | 1 | $ 109,000 | $ 109,000 | $ 0 |
| Monroe, LA | 1 | $ 72,000 | $ 72,000 | $ 0 |
| Odessa-Midland, TX | 1 | $ 62,000 | $ 62,000 | $ 0 |
Mortgage Loan Application Detail Totals for The Leader Mortgage Company in 2003
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 (one-to-four family) | 14,753 | $1,415,787,000 | $94,066 | $389,000 | $3,400 | $110,000 |
| Refinancing (home purchase or home improvement, one-to-four family) | 987 | $86,969,000 | $89,000 | $270,000 | $12,142 | $222,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 6 | $766,000 | $127,000 | $186,000 | $0 | $0 |
| Home Improvement (one-to-four family) | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 14,069 | $1,359,937,000 | $93,866 | $389,000 | $0 | $0 |
| White | 1,012 | $84,496,000 | $89,000 | $270,000 | $27,800 | $222,000 |
| Black | 324 | $29,541,000 | $94,666 | $260,000 | $22,166 | $99,000 |
| Information not provided by applicant in mail or telephone application | 163 | $13,557,000 | $87,833 | $217,000 | $22,666 | $107,000 |
| Hispanic | 119 | $10,759,000 | $78,875 | $194,000 | $24,250 | $76,000 |
| Asian or Pacific Islander | 22 | $2,220,000 | $92,000 | $261,000 | $28,714 | $88,000 |
| Other | 20 | $1,335,000 | $77,000 | $108,000 | $25,500 | $70,000 |
| American Indian or Alaskan Native | 17 | $1,677,000 | $95,000 | $170,000 | $34,142 | $58,000 |
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) | 13,767 | $1,344,160,000 | $93,875 | $389,000 | $5,125 | $222,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 810 | $62,757,000 | $83,461 | $323,000 | $9,153 | $99,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 689 | $50,880,000 | $85,181 | $198,000 | $2,363 | $58,000 |
| VA-guaranteed (Veterans Administration) | 480 | $45,725,000 | $103,461 | $251,000 | $2,230 | $86,000 |
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 Purchased By The Institution | 14,069 | $1,359,937,000 | $93,866 | $389,000 | $0 | $0 |
| Loan Originated | 1,466 | $124,426,000 | $88,500 | $270,000 | $26,700 | $176,000 |
| Application Withdrawn By Applicant | 124 | $10,929,000 | $83,666 | $261,000 | $22,333 | $222,000 |
| Application Denied By Financial Institution | 83 | $7,880,000 | $90,285 | $208,000 | $30,714 | $108,000 |
| File Closed For Incompleteness | 4 | $350,000 | $85,000 | $97,000 | $29,666 | $65,000 |
| Application 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 |
|---|---|---|---|---|---|---|
| Credit History | 35 | $3,365,000 | $92,000 | $208,000 | $33,142 | $99,000 |
| Debt-To-Income Ratio | 35 | $3,288,000 | $93,000 | $173,000 | $33,833 | $68,000 |
| Collateral | 4 | $357,000 | $93,666 | $117,000 | $21,666 | $40,000 |
| Other | 4 | $468,000 | $108,666 | $179,000 | $47,666 | $108,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $229,000 | $76,333 | $111,000 | $26,333 | $40,000 |
| Unverifiable Information | 2 | $173,000 | $86,500 | $116,000 | $15,000 | $30,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Leader Mortgage Company's 2003 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 The Leader Mortgage Company'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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