Town & Country Credit Mortgage Lending & HMDA Data, 2006
In 2006, Town & Country Credit of Irvine, CA reported 36,781 mortgage applications totaling $9.8 billion, down 72% from 2005. The average application was for $267,283, and applicants reported an average income of $137,875. 6% of its applications resulted in an originated loan and 38% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (4,286), Chicago-Naperville-Joliet, IL (3,459) and Minneapolis-St. Paul-Bloomington, MN-WI (3,085) (applications in parentheses).
| Mortgage Company & Address | Town & Country Credit 2010 Main Street, Suite 800 Irvine, CA 92614 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 36,781 |
| Total Mortgage Loan Application Amount | $9,830,937,000 |
| Average Mortgage Loan Application Amount | $267,283 |
| Highest Mortgage Loan Application Amount | $4,506,000 |
| Average Applicant Income | $137,875 |
| Highest Applicant Income | $9,999,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Town & Country Credit filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 4,286 | $ 1,594,750,000 | $ 372,083 | $ 165,000 |
| Chicago-Naperville-Joliet, IL | 3,459 | $ 702,496,000 | $ 203,092 | $ 116,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3,085 | $ 643,816,000 | $ 208,692 | $ 134,000 |
| Riverside-San Bernardino-Ontario, CA | 2,596 | $ 777,515,000 | $ 299,505 | $ 164,000 |
| San Diego-Carlsbad-San Marcos, CA | 2,060 | $ 780,048,000 | $ 378,664 | $ 161,000 |
| Denver-Aurora, CO | 1,647 | $ 343,664,000 | $ 208,660 | $ 125,000 |
| Providence-New Bedford-Fall River, RI-MA | 1,592 | $ 354,314,000 | $ 222,559 | $ 130,484 |
| Baltimore-Towson, MD | 1,550 | $ 347,552,000 | $ 224,227 | $ 115,000 |
| Santa Ana-Anaheim-Irvine, CA | 1,175 | $ 490,589,000 | $ 417,522 | $ 155,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1,122 | $ 286,369,000 | $ 255,230 | $ 134,666 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1,020 | $ 233,985,000 | $ 229,397 | $ 112,000 |
| Oakland-Fremont-Hayward, CA | 964 | $ 396,736,000 | $ 411,551 | $ 183,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 884 | $ 268,378,000 | $ 303,595 | $ 174,000 |
| Springfield, MA | 697 | $ 113,189,000 | $ 162,394 | $ 81,000 |
| Lake County-Kenosha County, IL-WI | 668 | $ 143,248,000 | $ 214,443 | $ 140,000 |
| Hartford-West Hartford-East Hartford, CT | 621 | $ 114,395,000 | $ 184,210 | $ 110,000 |
| Boston-Quincy, MA | 614 | $ 177,810,000 | $ 289,592 | $ 101,000 |
| New Haven-Milford, CT | 500 | $ 94,027,000 | $ 188,054 | $ 86,000 |
| Stockton, CA | 491 | $ 157,616,000 | $ 321,010 | $ 121,000 |
| Worcester, MA | 490 | $ 108,203,000 | $ 220,822 | $ 111,000 |
| Cambridge-Newton-Framingham, MA | 427 | $ 126,417,000 | $ 296,058 | $ 213,000 |
| Miami-Miami Beach-Kendall, FL | 374 | $ 75,590,000 | $ 202,112 | $ 100,000 |
| Bridgeport-Stamford-Norwalk, CT | 367 | $ 101,267,000 | $ 275,931 | $ 123,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 351 | $ 79,485,000 | $ 226,452 | $ 142,000 |
| Bethesda-Gaithersburg-Frederick, MD | 303 | $ 98,126,000 | $ 323,848 | $ 182,000 |
| Essex County, MA | 295 | $ 81,440,000 | $ 276,067 | $ 168,000 |
| Modesto, CA | 288 | $ 85,250,000 | $ 296,006 | $ 108,000 |
| San Francisco-San Mateo-Redwood City, CA | 218 | $ 103,701,000 | $ 475,692 | $ 269,000 |
| Norwich-New London, CT | 185 | $ 35,597,000 | $ 192,416 | $ 78,000 |
| Greeley, CO | 153 | $ 28,614,000 | $ 187,019 | $ 130,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 150 | $ 57,631,000 | $ 384,206 | $ 183,000 |
| Rochester, MN | 146 | $ 28,653,000 | $ 196,253 | $ 163,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 143 | $ 56,455,000 | $ 394,790 | $ 240,000 |
| Barnstable Town, MA | 131 | $ 39,948,000 | $ 304,946 | $ 118,000 |
| Seattle-Bellevue-Everett, WA | 113 | $ 25,223,000 | $ 223,212 | $ 148,000 |
| Merced, CA | 110 | $ 28,894,000 | $ 262,672 | $ 162,000 |
| Duluth, MN-WI | 109 | $ 18,768,000 | $ 172,183 | $ 96,000 |
| Vallejo-Fairfield, CA | 108 | $ 38,716,000 | $ 358,481 | $ 169,000 |
| Boulder, CO | 92 | $ 22,768,000 | $ 247,478 | $ 120,000 |
| St. Cloud, MN | 90 | $ 15,520,000 | $ 172,444 | $ 94,000 |
| Hagerstown-Martinsburg, MD-WV | 85 | $ 19,797,000 | $ 232,905 | $ 156,000 |
| Salisbury, MD | 85 | $ 13,686,000 | $ 161,011 | $ 77,000 |
| Pittsfield, MA | 84 | $ 13,938,000 | $ 165,928 | $ 109,000 |
| Colorado Springs, CO | 81 | $ 14,937,000 | $ 184,407 | $ 89,000 |
| Fort Collins-Loveland, CO | 67 | $ 13,362,000 | $ 199,432 | $ 93,000 |
| Wilmington, DE-MD-NJ | 67 | $ 14,386,000 | $ 214,716 | $ 104,000 |
| Fresno, CA | 64 | $ 12,428,000 | $ 194,187 | $ 176,000 |
| Houston-Sugar Land-Baytown, TX | 57 | $ 6,492,000 | $ 113,894 | $ 99,000 |
| Dallas-Plano-Irving, TX | 50 | $ 6,031,000 | $ 120,620 | $ 80,000 |
| Bakersfield, CA | 48 | $ 10,014,000 | $ 208,625 | $ 103,000 |
| Kankakee-Bradley, IL | 38 | $ 4,441,000 | $ 116,868 | $ 90,000 |
| St. Louis, MO-IL | 36 | $ 4,037,000 | $ 112,138 | $ 102,500 |
| Yuba City, CA | 32 | $ 6,598,000 | $ 206,187 | $ 216,000 |
| El Centro, CA | 27 | $ 5,664,000 | $ 209,777 | $ 75,000 |
| Santa Cruz-Watsonville, CA | 23 | $ 9,250,000 | $ 402,173 | $ 209,000 |
| Peoria, IL | 22 | $ 3,648,000 | $ 165,818 | $ 60,000 |
| Rockford, IL | 22 | $ 1,819,000 | $ 82,681 | $ 172,000 |
| Visalia-Porterville, CA | 22 | $ 3,584,000 | $ 162,909 | $ 108,000 |
| Cumberland, MD-WV | 21 | $ 2,700,000 | $ 128,571 | $ 60,000 |
| Napa, CA | 21 | $ 8,721,000 | $ 415,285 | $ 178,000 |
| Santa Rosa-Petaluma, CA | 21 | $ 7,000,000 | $ 333,333 | $ 135,000 |
| Salt Lake City, UT | 16 | $ 1,977,000 | $ 123,562 | $ 41,000 |
| Chico, CA | 15 | $ 2,857,000 | $ 190,466 | $ 115,000 |
| Port St. Lucie-Fort Pierce, FL | 14 | $ 2,779,000 | $ 198,500 | $ 78,000 |
| Fargo, ND-MN | 13 | $ 2,381,000 | $ 183,153 | $ 84,000 |
| Austin-Round Rock, TX | 12 | $ 1,812,000 | $ 151,000 | $ 102,000 |
| Redding, CA | 12 | $ 2,410,000 | $ 200,833 | $ 100,000 |
| Grand Junction, CO | 11 | $ 1,636,000 | $ 148,727 | $ 59,000 |
| Madera, CA | 11 | $ 1,705,000 | $ 155,000 | $ 160,000 |
| Santa Barbara-Santa Maria, CA | 11 | $ 5,136,000 | $ 466,909 | $ 161,000 |
| Bloomington-Normal, IL | 10 | $ 1,044,000 | $ 104,400 | $ 176,000 |
| Champaign-Urbana, IL | 10 | $ 1,111,000 | $ 111,100 | $ 70,000 |
| Provo-Orem, UT | 9 | $ 1,110,000 | $ 123,333 | $ 48,000 |
| San Luis Obispo-Paso Robles, CA | 9 | $ 2,773,000 | $ 308,111 | $ 240,000 |
| Tacoma, WA | 9 | $ 1,825,000 | $ 202,777 | $ 88,000 |
| Decatur, IL | 8 | $ 743,000 | $ 92,875 | $ 75,000 |
| Beaumont-Port Arthur, TX | 7 | $ 634,000 | $ 90,571 | $ 92,000 |
| Bremerton-Silverdale, WA | 7 | $ 1,080,000 | $ 154,285 | $ 192,000 |
| Davenport-Moline-Rock Island, IA-IL | 7 | $ 619,000 | $ 88,428 | $ 125,000 |
| Sebastian-Vero Beach, FL | 7 | $ 1,260,000 | $ 180,000 | $ 97,000 |
| Grand Forks, ND-MN | 5 | $ 704,000 | $ 140,800 | $ 96,000 |
| La Crosse, WI-MN | 5 | $ 822,000 | $ 164,400 | $ 70,000 |
| Las Vegas-Paradise, NV | 5 | $ 1,070,000 | $ 214,000 | $ 100,000 |
| Mount Vernon-Anacortes, WA | 5 | $ 886,000 | $ 177,200 | $ 73,000 |
| Portland-Vancouver-Beaverton, OR-WA | 5 | $ 947,000 | $ 189,400 | $ 129,000 |
| Sarasota-Bradenton-Venice, FL | 5 | $ 595,000 | $ 119,000 | $ 77,000 |
| Spokane, WA | 5 | $ 628,000 | $ 125,600 | $ 115,000 |
| Springfield, IL | 5 | $ 381,000 | $ 76,200 | $ 52,000 |
| Fort Worth-Arlington, TX | 4 | $ 520,000 | $ 130,000 | $ 88,000 |
| Ogden-Clearfield, UT | 4 | $ 396,000 | $ 99,000 | $ 51,000 |
| Pueblo, CO | 4 | $ 426,000 | $ 106,500 | $ 36,000 |
| Savannah, GA | 4 | $ 506,000 | $ 126,500 | $ 63,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 792,000 | $ 264,000 | $ 209,000 |
| College Station-Bryan, TX | 3 | $ 223,000 | $ 74,333 | $ 376,000 |
| Danville, IL | 3 | $ 217,000 | $ 72,333 | $ 75,000 |
| Gary, IN | 3 | $ 440,000 | $ 146,666 | $ 68,000 |
| Hanford-Corcoran, CA | 3 | $ 505,000 | $ 168,333 | $ 59,000 |
| Honolulu, HI | 3 | $ 850,000 | $ 283,333 | $ 77,000 |
| Salinas, CA | 3 | $ 982,000 | $ 327,333 | $ 99,000 |
| Tyler, TX | 3 | $ 245,000 | $ 81,666 | $ 93,000 |
| Bellingham, WA | 2 | $ 306,000 | $ 153,000 | $ 47,000 |
| Corvallis, OR | 2 | $ 271,000 | $ 135,500 | $ 84,000 |
| Jacksonville, FL | 2 | $ 308,000 | $ 154,000 | $ 131,000 |
| Lakeland, FL | 2 | $ 547,000 | $ 273,500 | $ 138,000 |
| Lewiston-Auburn, ME | 2 | $ 343,000 | $ 171,500 | $ 76,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 292,000 | $ 146,000 | $ 49,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 2 | $ 887,000 | $ 443,500 | $ 192,000 |
| San Antonio, TX | 2 | $ 217,000 | $ 108,500 | $ 67,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 184,000 | $ 92,000 | $ 442,000 |
| Utica-Rome, NY | 2 | $ 140,000 | $ 70,000 | $ 96,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 220,000 | $ 110,000 | $ 60,000 |
| Anchorage, AK | 1 | $ 169,000 | $ 169,000 | $ 48,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 197,000 | $ 197,000 | $ 240,000 |
| Cheyenne, WY | 1 | $ 113,000 | $ 113,000 | $ 30,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 400,000 | $ 400,000 | $ 226,000 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 87,000 | $ 87,000 | $ 36,000 |
| Hot Springs, AR | 1 | $ 178,000 | $ 178,000 | $ 88,000 |
| Lansing-East Lansing, MI | 1 | $ 126,000 | $ 126,000 | $ 47,000 |
| Longview, TX | 1 | $ 70,000 | $ 70,000 | $ 43,000 |
| Niles-Benton Harbor, MI | 1 | $ 60,000 | $ 60,000 | $ 49,000 |
| Ocala, FL | 1 | $ 171,000 | $ 171,000 | $ 65,000 |
| Olympia, WA | 1 | $ 105,000 | $ 105,000 | $ 65,000 |
| Portland-South Portland-Biddeford, ME | 1 | $ 152,000 | $ 152,000 | $ 68,000 |
| Punta Gorda, FL | 1 | $ 175,000 | $ 175,000 | $ 159,000 |
| Reading, PA | 1 | $ 365,000 | $ 365,000 | $ 63,000 |
| Salem, OR | 1 | $ 344,000 | $ 344,000 | $ 96,000 |
| Texarkana, Tx-Texarkana, AR | 1 | $ 88,000 | $ 88,000 | $ 81,000 |
Mortgage Loan Application Detail Totals for Town & Country Credit in 2006
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 | 35,184 | $9,436,427,000 | $268,000 | $4,000,000 | $138,000 | $9,999,000 |
| Home Improvement | 1,043 | $322,855,000 | $309,000 | $4,506,000 | $140,000 | $3,840,000 |
| Home Purchase | 554 | $71,655,000 | $129,000 | $1,000,000 | $126,000 | $2,160,000 |
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 |
|---|---|---|---|---|---|---|
| Not Provided | 18,747 | $5,400,590,000 | $288,000 | $4,506,000 | $153,000 | $9,600,000 |
| White | 12,988 | $3,152,333,000 | $242,000 | $2,595,000 | $125,000 | $9,999,000 |
| Hispanic | 2,403 | $650,423,000 | $270,000 | $1,043,000 | $114,000 | $3,600,000 |
| Black or African American | 2,110 | $457,173,000 | $216,000 | $930,000 | $103,000 | $3,840,000 |
| Asian | 375 | $116,764,000 | $311,000 | $1,704,000 | $154,000 | $2,064,000 |
| Native Hawaiian or Other Pacific Islander | 83 | $28,852,000 | $347,000 | $872,000 | $146,000 | $984,000 |
| American Indian or Alaskan Native | 75 | $24,802,000 | $330,000 | $1,430,000 | $189,000 | $1,608,000 |
| 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) | 36,781 | $9,830,937,000 | $267,000 | $4,506,000 | $138,000 | $9,999,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 18,598 | $4,966,434,000 | $267,000 | $1,900,000 | $147,000 | $9,999,000 |
| Application Denied By Financial Institution | 13,985 | $3,855,872,000 | $275,000 | $4,506,000 | $134,000 | $9,600,000 |
| Loan Originated | 2,350 | $520,494,000 | $221,000 | $839,000 | $96,000 | $1,740,000 |
| File Closed For Incompleteness | 1,317 | $351,184,000 | $266,000 | $1,000,000 | $148,000 | $4,800,000 |
| Application Approved But Not Accepted | 531 | $136,953,000 | $257,000 | $1,000,000 | $84,000 | $494,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 12,379 | $3,466,588,000 | $280,000 | $4,506,000 | $137,000 | $9,600,000 |
| Credit History | 1,017 | $228,669,000 | $224,000 | $1,660,000 | $113,000 | $2,442,000 |
| Collateral | 446 | $119,936,000 | $268,000 | $758,000 | $122,000 | $1,500,000 |
| Debt-To-Income Ratio | 143 | $40,679,000 | $284,000 | $760,000 | $102,000 | $1,392,000 |
| 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 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Town & Country Credit's 2006 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 Town & Country Credit'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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