Total Quality Financial Inc Mortgage Lending & HMDA Data, 2021
In 2021, Total Quality Financial Inc of Carmel, IN reported 294 mortgage applications totaling $105.4 million. The average application was for $358,639, and applicants reported an average income of $119,309. 16% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (47), Anaheim-Santa Ana-Irvine, CA (37) and Nashville-Davidson--Murfreesboro--Franklin, TN (23) (applications in parentheses).
| Mortgage Company & Address | Total Quality Financial Inc Carmel, IN 46032 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2024 2023 2022 2021 |
| Total Number of Mortgage Applications | 294 |
| Total Mortgage Loan Application Amount | $105,440,000 |
| Average Mortgage Loan Application Amount | $358,639 |
| Highest Mortgage Loan Application Amount | $1,965,000 |
| Average Applicant Income | $119,309 |
| Highest Applicant Income | $1,032,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Total Quality Financial Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Riverside-San Bernardino-Ontario, CA | 47 | $ 19,045,000 | $ 405,212 | $ 121,000 |
| Anaheim-Santa Ana-Irvine, CA | 37 | $ 18,625,000 | $ 503,378 | $ 146,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 23 | $ 6,525,000 | $ 283,695 | $ 116,000 |
| Los Angeles-Long Beach-Glendale, CA | 20 | $ 10,200,000 | $ 510,000 | $ 107,000 |
| Atlanta-Sandy Springs-Roswell, GA | 8 | $ 2,930,000 | $ 366,250 | $ 139,000 |
| Outside any metro area | 8 | $ 3,120,000 | $ 390,000 | $ 156,250 |
| Oakland-Hayward-Berkeley, CA | 8 | $ 3,180,000 | $ 397,500 | $ 127,000 |
| Phoenix-Mesa-Scottsdale, AZ | 8 | $ 2,520,000 | $ 315,000 | $ 105,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 7 | $ 1,005,000 | $ 143,571 | $ 43,000 |
| San Diego-Carlsbad, CA | 7 | $ 2,945,000 | $ 420,714 | $ 116,000 |
| Charlotte-Concord-Gastonia, NC-SC | 5 | $ 1,005,000 | $ 201,000 | $ 96,000 |
| Vallejo-Fairfield, CA | 5 | $ 1,675,000 | $ 335,000 | $ 165,000 |
| Chicago-Naperville, IL | 4 | $ 930,000 | $ 232,500 | $ 169,000 |
| Memphis, TN-MS-AR | 4 | $ 1,820,000 | $ 455,000 | $ 116,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 4 | $ 1,040,000 | $ 260,000 | $ 104,500 |
| Tampa-St. Petersburg-Clearwater, FL | 4 | $ 1,040,000 | $ 260,000 | $ 82,000 |
| Denver-Aurora-Lakewood, CO | 3 | $ 885,000 | $ 295,000 | $ 66,000 |
| Seattle-Bellevue-Everett, WA | 3 | $ 1,665,000 | $ 555,000 | $ 192,000 |
| Austin-Round Rock, TX | 2 | $ 630,000 | $ 315,000 | $ 71,000 |
| Bakersfield, CA | 2 | $ 680,000 | $ 340,000 | $ 145,000 |
| Dallas-Plano-Irving, TX | 2 | $ 820,000 | $ 410,000 | $ 112,000 |
| El Centro, CA | 2 | $ 610,000 | $ 305,000 | $ 76,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 830,000 | $ 415,000 | $ 116,000 |
| Raleigh, NC | 2 | $ 520,000 | $ 260,000 | $ 99,000 |
| Salem, OR | 2 | $ 390,000 | $ 195,000 | $ 79,000 |
| Stockton-Lodi, CA | 2 | $ 740,000 | $ 370,000 | $ 95,000 |
| Tacoma-Lakewood, WA | 2 | $ 340,000 | $ 170,000 | $ 70,000 |
| Asheville, NC | 1 | $ 255,000 | $ 255,000 | $ 60,000 |
| Baltimore-Columbia-Towson, MD | 1 | $ 105,000 | $ 105,000 | $ 380,000 |
| Bellingham, WA | 1 | $ 305,000 | $ 305,000 | $ 120,000 |
| Bend-Redmond, OR | 1 | $ 165,000 | $ 165,000 | $ 62,000 |
| Boise City, ID | 1 | $ 435,000 | $ 435,000 | $ 129,000 |
| Boulder, CO | 1 | $ 745,000 | $ 745,000 | $ 362,000 |
| Chattanooga, TN-GA | 1 | $ 255,000 | $ 255,000 | $ 106,000 |
| Chico, CA | 1 | $ 85,000 | $ 85,000 | $ 49,000 |
| Cincinnati, OH-KY-IN | 1 | $ 185,000 | $ 185,000 | $ 71,000 |
| Clarksville, TN-KY | 1 | $ 215,000 | $ 215,000 | $ 42,000 |
| Colorado Springs, CO | 1 | $ 255,000 | $ 255,000 | $ 39,000 |
| Flagstaff, AZ | 1 | $ 245,000 | $ 245,000 | $ 99,000 |
| Fort Collins, CO | 1 | $ 375,000 | $ 375,000 | $ 247,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 1,965,000 | $ 1,965,000 | $ 336,000 |
| Fresno, CA | 1 | $ 195,000 | $ 195,000 | $ 58,000 |
| Greensboro-High Point, NC | 1 | $ 325,000 | $ 325,000 | $ 199,000 |
| Hanford-Corcoran, CA | 1 | $ 235,000 | $ 235,000 | $ 93,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 105,000 | $ 105,000 | $ 45,000 |
| Killeen-Temple, TX | 1 | $ 205,000 | $ 205,000 | $ 58,000 |
| Knoxville, TN | 1 | $ 115,000 | $ 115,000 | $ 122,000 |
| Lakeland-Winter Haven, FL | 1 | $ 275,000 | $ 275,000 | $ 74,000 |
| Lancaster, PA | 1 | $ 215,000 | $ 215,000 | $ 89,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 265,000 | $ 265,000 | $ 188,000 |
| Modesto, CA | 1 | $ 205,000 | $ 205,000 | $ 78,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 145,000 | $ 145,000 | $ 60,000 |
| Napa, CA | 1 | $ 285,000 | $ 285,000 | $ 53,000 |
| Ogden-Clearfield, UT | 1 | $ 325,000 | $ 325,000 | $ 145,000 |
| Olympia-Tumwater, WA | 1 | $ 285,000 | $ 285,000 | $ 94,000 |
| Philadelphia, PA | 1 | $ 135,000 | $ 135,000 | $ 66,000 |
| Reading, PA | 1 | $ 155,000 | $ 155,000 | $ 131,000 |
| Redding, CA | 1 | $ 115,000 | $ 115,000 | $ 146,000 |
| San Antonio-New Braunfels, TX | 1 | $ 85,000 | $ 85,000 | $ 42,000 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 405,000 | $ 405,000 | $ 323,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 255,000 | $ 255,000 | $ 79,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 395,000 | $ 395,000 | $ 118,000 |
| Sierra Vista-Douglas, AZ | 1 | $ 145,000 | $ 145,000 | $ 24,000 |
| Tallahassee, FL | 1 | $ 265,000 | $ 265,000 | $ 200,000 |
| Tucson, AZ | 1 | $ 495,000 | $ 495,000 | $ 190,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 305,000 | $ 305,000 | $ 155,000 |
| Visalia-Porterville, CA | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Warner Robins, GA | 1 | $ 225,000 | $ 225,000 | $ 99,000 |
Mortgage Loan Application Detail Totals for Total Quality Financial Inc in 2021
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 | 142 | $42,710,000 | $300,000 | $815,000 | $118,000 | $1,032,000 |
| Home Purchase | 68 | $35,780,000 | $526,000 | $1,965,000 | $147,000 | $477,000 |
| Cash-out Refinancing | 67 | $22,465,000 | $335,000 | $785,000 | $107,000 | $300,000 |
| Home Improvement | 17 | $4,485,000 | $263,000 | $545,000 | $68,000 | $169,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 Provided | 133 | $50,685,000 | $381,000 | $1,965,000 | $119,000 | $1,032,000 |
| White | 118 | $39,560,000 | $335,000 | $825,000 | $126,000 | $1,032,000 |
| Hispanic | 19 | $6,285,000 | $330,000 | $595,000 | $84,000 | $188,000 |
| Asian | 12 | $5,160,000 | $430,000 | $795,000 | $104,000 | $156,000 |
| Black or African American | 8 | $2,370,000 | $296,000 | $475,000 | $76,000 | $137,000 |
| Not applicable | 2 | $720,000 | $360,000 | $515,000 | $336,000 | $336,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 257 | $93,775,000 | $364,000 | $1,965,000 | $125,000 | $1,032,000 |
| FHA-insured (Federal Housing Administration) | 22 | $7,420,000 | $337,000 | $785,000 | $82,000 | $165,000 |
| VA-guaranteed (Veterans Administration) | 15 | $4,245,000 | $283,000 | $615,000 | $68,000 | $200,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 182 | $64,520,000 | $354,000 | $1,275,000 | $117,000 | $1,032,000 |
| Application Denied By Financial Institution | 61 | $17,205,000 | $282,000 | $745,000 | $115,000 | $1,032,000 |
| Loan Originated | 48 | $22,830,000 | $475,000 | $1,965,000 | $134,000 | $413,000 |
| File Closed For Incompleteness | 2 | $480,000 | $240,000 | $285,000 | $121,000 | $145,000 |
| Application Approved But Not Accepted | 1 | $405,000 | $405,000 | $405,000 | $74,000 | $74,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 233 | $88,235,000 | $378,000 | $1,965,000 | $120,000 | $1,032,000 |
| Debt-To-Income Ratio | 16 | $4,340,000 | $271,000 | $475,000 | $71,000 | $160,000 |
| Credit History | 14 | $3,090,000 | $220,000 | $455,000 | $163,000 | $1,032,000 |
| Credit Application Incomplete | 13 | $5,155,000 | $396,000 | $745,000 | $127,000 | $362,000 |
| Other | 12 | $2,800,000 | $233,000 | $415,000 | $100,000 | $323,000 |
| Unverifiable Information | 3 | $1,055,000 | $351,000 | $555,000 | $196,000 | $402,000 |
| Collateral | 1 | $365,000 | $365,000 | $365,000 | $87,000 | $87,000 |
| Employment History | 1 | $195,000 | $195,000 | $195,000 | $17,000 | $17,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $205,000 | $205,000 | $205,000 | $38,000 | $38,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Total Quality Financial Inc's 2021 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 Total Quality Financial 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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