Town & Country Credit Mortgage Lending & HMDA Data, 2005
In 2005, Town & Country Credit of Irvine, CA reported 132,343 mortgage applications totaling $31.9 billion, down 16% from 2004. The average application was for $240,889, and applicants reported an average income of $111,698. 6% of its applications resulted in an originated loan and 36% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (17,841), Chicago-Naperville-Joliet, IL (11,354) and Minneapolis-St. Paul-Bloomington, MN-WI (9,824) (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 | 132,343 |
| Total Mortgage Loan Application Amount | $31,880,046,000 |
| Average Mortgage Loan Application Amount | $240,889 |
| Highest Mortgage Loan Application Amount | $6,114,000 |
| Average Applicant Income | $111,698 |
| 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(HMDA) records Town & Country Credit filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 17,841 | $ 5,523,383,000 | $ 309,589 | $ 112,000 |
| Chicago-Naperville-Joliet, IL | 11,354 | $ 2,063,171,000 | $ 181,713 | $ 104,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 9,824 | $ 1,929,477,000 | $ 196,404 | $ 100,000 |
| Riverside-San Bernardino-Ontario, CA | 8,683 | $ 2,219,091,000 | $ 255,567 | $ 102,000 |
| San Diego-Carlsbad-San Marcos, CA | 7,007 | $ 2,367,875,000 | $ 337,929 | $ 129,000 |
| Denver-Aurora, CO | 5,946 | $ 1,193,588,000 | $ 200,737 | $ 111,000 |
| Baltimore-Towson, MD | 5,083 | $ 957,282,000 | $ 188,330 | $ 98,000 |
| Providence-New Bedford-Fall River, RI-MA | 4,375 | $ 872,606,000 | $ 199,452 | $ 100,000 |
| Santa Ana-Anaheim-Irvine, CA | 4,356 | $ 1,571,162,000 | $ 360,689 | $ 120,000 |
| Oakland-Fremont-Hayward, CA | 3,706 | $ 1,286,708,000 | $ 347,195 | $ 141,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 3,587 | $ 924,058,000 | $ 257,613 | $ 127,000 |
| Boston-Quincy, MA | 2,496 | $ 669,939,000 | $ 268,405 | $ 96,000 |
| Houston-Baytown-Sugar Land, TX | 2,340 | $ 313,383,000 | $ 133,924 | $ 106,000 |
| Hartford-West Hartford-East Hartford, CT | 2,176 | $ 373,334,000 | $ 171,568 | $ 97,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1,892 | $ 767,471,000 | $ 405,640 | $ 161,000 |
| New Haven-Milford, CT | 1,806 | $ 317,003,000 | $ 175,527 | $ 101,000 |
| Springfield, MA | 1,802 | $ 274,054,000 | $ 152,083 | $ 75,000 |
| San Francisco-San Mateo-Redwood City, CA | 1,708 | $ 723,283,000 | $ 423,467 | $ 126,000 |
| Cambridge-Newton-Framingham, MA | 1,627 | $ 441,191,000 | $ 271,168 | $ 98,000 |
| Worcester, MA | 1,572 | $ 335,994,000 | $ 213,736 | $ 91,000 |
| Stockton, CA | 1,556 | $ 406,637,000 | $ 261,334 | $ 99,000 |
| Bethesda-Frederick-Gaithersburg, MD | 1,464 | $ 396,171,000 | $ 270,608 | $ 160,000 |
| Lake County-Kenosha County, IL-WI | 1,405 | $ 276,183,000 | $ 196,571 | $ 75,000 |
| Dallas-Plano-Irving, TX | 1,307 | $ 188,012,000 | $ 143,850 | $ 101,000 |
| Colorado Springs, CO | 1,229 | $ 219,063,000 | $ 178,244 | $ 81,000 |
| Bridgeport-Stamford-Norwalk, CT | 1,185 | $ 306,799,000 | $ 258,902 | $ 106,000 |
| Modesto, CA | 1,111 | $ 265,331,000 | $ 238,821 | $ 90,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1,030 | $ 356,616,000 | $ 346,229 | $ 166,000 |
| Essex County, MA | 948 | $ 247,308,000 | $ 260,873 | $ 100,000 |
| Austin-Round Rock, TX | 923 | $ 138,367,000 | $ 149,910 | $ 87,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 769 | $ 153,305,000 | $ 199,356 | $ 76,000 |
| Norwich-New London, CT | 755 | $ 133,338,000 | $ 176,606 | $ 84,000 |
| Greeley, CO | 718 | $ 126,253,000 | $ 175,839 | $ 111,000 |
| Fort Collins-Loveland, CO | 641 | $ 122,276,000 | $ 190,758 | $ 98,000 |
| Vallejo-Fairfield, CA | 561 | $ 172,968,000 | $ 308,320 | $ 131,000 |
| Fort Worth-Arlington, TX | 470 | $ 59,667,000 | $ 126,951 | $ 79,000 |
| Rochester, MN | 464 | $ 71,581,000 | $ 154,269 | $ 113,000 |
| Boulder, CO | 456 | $ 110,072,000 | $ 241,385 | $ 102,000 |
| San Antonio, TX | 399 | $ 49,657,000 | $ 124,453 | $ 103,000 |
| Merced, CA | 378 | $ 82,759,000 | $ 218,939 | $ 103,000 |
| Barnstable Town, MA | 361 | $ 90,055,000 | $ 249,459 | $ 100,000 |
| St. Cloud, MN | 332 | $ 51,178,000 | $ 154,150 | $ 73,000 |
| Duluth, MN-WI | 308 | $ 43,457,000 | $ 141,094 | $ 98,000 |
| Yuba City, CA | 268 | $ 53,263,000 | $ 198,742 | $ 101,000 |
| Santa Rosa-Petaluma, CA | 265 | $ 102,531,000 | $ 386,909 | $ 116,000 |
| Pittsfield, MA | 263 | $ 41,066,000 | $ 156,144 | $ 64,000 |
| Grand Junction, CO | 252 | $ 35,653,000 | $ 141,480 | $ 125,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 250 | $ 50,078,000 | $ 200,312 | $ 107,000 |
| Hagerstown-Martinsburg, MD-WV | 233 | $ 39,640,000 | $ 170,128 | $ 69,000 |
| Salisbury, MD | 227 | $ 33,265,000 | $ 146,541 | $ 96,000 |
| Miami-Miami Beach-Kendall, FL | 189 | $ 31,690,000 | $ 167,671 | $ 84,000 |
| Santa Cruz-Watsonville, CA | 186 | $ 68,743,000 | $ 369,586 | $ 115,000 |
| Bakersfield, CA | 168 | $ 28,886,000 | $ 171,940 | $ 94,000 |
| Pueblo, CO | 160 | $ 20,194,000 | $ 126,212 | $ 83,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 136 | $ 63,277,000 | $ 465,272 | $ 168,000 |
| Rockford, IL | 123 | $ 14,631,000 | $ 118,951 | $ 93,000 |
| Napa, CA | 112 | $ 44,176,000 | $ 394,428 | $ 150,000 |
| Kankakee-Bradley, IL | 95 | $ 11,052,000 | $ 116,336 | $ 93,000 |
| Fresno, CA | 81 | $ 14,383,000 | $ 177,567 | $ 87,000 |
| El Centro, CA | 74 | $ 12,368,000 | $ 167,135 | $ 64,000 |
| Cumberland, MD-WV | 65 | $ 7,381,000 | $ 113,553 | $ 77,000 |
| Killeen-Temple-Fort Hood, TX | 60 | $ 6,056,000 | $ 100,933 | $ 66,000 |
| Peoria, IL | 54 | $ 6,458,000 | $ 119,592 | $ 132,000 |
| Salinas, CA | 51 | $ 17,686,000 | $ 346,784 | $ 317,000 |
| Beaumont-Port Arthur, TX | 42 | $ 3,698,000 | $ 88,047 | $ 86,000 |
| Waco, TX | 30 | $ 3,738,000 | $ 124,600 | $ 69,000 |
| Visalia-Porterville, CA | 28 | $ 4,343,000 | $ 155,107 | $ 129,000 |
| Madera, CA | 26 | $ 5,193,000 | $ 199,730 | $ 71,000 |
| Chico, CA | 22 | $ 3,803,000 | $ 172,863 | $ 67,000 |
| San Luis Obispo-Paso Robles, CA | 22 | $ 8,611,000 | $ 391,409 | $ 172,000 |
| Seattle-Bellevue-Everett, WA | 21 | $ 6,392,000 | $ 304,380 | $ 142,000 |
| Las Vegas-Paradise, NV | 20 | $ 4,906,000 | $ 245,300 | $ 188,000 |
| Phoenix-Mesa-Scottsdale, AZ | 20 | $ 4,913,000 | $ 245,650 | $ 117,000 |
| College Station-Bryan, TX | 19 | $ 2,288,000 | $ 120,421 | $ 106,000 |
| Hanford-Corcoran, CA | 17 | $ 2,680,000 | $ 157,647 | $ 97,000 |
| Albuquerque, NM | 16 | $ 2,195,000 | $ 137,187 | $ 93,000 |
| Springfield, IL | 15 | $ 1,230,000 | $ 82,000 | $ 91,000 |
| McAllen-Edinburg-Pharr, TX | 14 | $ 1,084,000 | $ 77,428 | $ 72,000 |
| Orlando, FL | 13 | $ 1,432,000 | $ 110,153 | $ 67,000 |
| Champaign-Urbana, IL | 12 | $ 1,719,000 | $ 143,250 | $ 367,000 |
| Gary, IN | 12 | $ 1,004,000 | $ 83,666 | $ 54,000 |
| Honolulu, HI | 11 | $ 1,960,000 | $ 178,181 | $ 201,000 |
| Atlanta-Sandy Springs-Marietta, GA | 10 | $ 1,562,000 | $ 156,200 | $ 62,000 |
| New York-Wayne-White Plains, NY-NJ | 10 | $ 2,647,000 | $ 264,700 | $ 52,000 |
| Cleveland-Elyria-Mentor, OH | 8 | $ 1,051,000 | $ 131,375 | $ 82,000 |
| Corpus Christi, TX | 8 | $ 969,000 | $ 121,125 | $ 61,000 |
| Tampa-St. Petersburg-Clearwater, FL | 8 | $ 1,025,000 | $ 128,125 | $ 71,000 |
| El Paso, TX | 7 | $ 533,000 | $ 76,142 | $ 71,000 |
| Philadelphia, PA | 7 | $ 3,097,000 | $ 442,428 | $ 211,000 |
| Redding, CA | 7 | $ 1,893,000 | $ 270,428 | $ 313,000 |
| Bremerton-Silverdale, WA | 6 | $ 856,000 | $ 142,666 | $ 93,000 |
| Naples-Marco Island, FL | 6 | $ 2,423,000 | $ 403,833 | $ 451,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 6 | $ 1,103,000 | $ 183,833 | $ 50,000 |
| Battle Creek, MI | 5 | $ 275,000 | $ 55,000 | $ 117,000 |
| Danville, IL | 5 | $ 344,000 | $ 68,800 | $ 40,000 |
| Des Moines, IA | 5 | $ 1,181,000 | $ 236,200 | $ 116,000 |
| Sarasota-Bradenton-Venice, FL | 5 | $ 1,145,000 | $ 229,000 | $ 98,000 |
| Tacoma, WA | 5 | $ 1,665,000 | $ 333,000 | $ 65,000 |
| Tallahassee, FL | 5 | $ 1,243,000 | $ 248,600 | $ 360,000 |
| Tyler, TX | 5 | $ 447,000 | $ 89,400 | $ 188,000 |
| Yakima, WA | 5 | $ 525,000 | $ 105,000 | $ 50,000 |
| Amarillo, TX | 4 | $ 290,000 | $ 72,500 | $ 37,000 |
| Bloomington-Normal, IL | 4 | $ 629,000 | $ 157,250 | $ 127,000 |
| Detroit-Livonia-Dearborn, MI | 4 | $ 266,000 | $ 66,500 | $ 77,000 |
| Indianapolis, IN | 4 | $ 339,000 | $ 84,750 | $ 62,000 |
| Jacksonville, FL | 4 | $ 361,000 | $ 90,250 | $ 108,000 |
| Longview, TX | 4 | $ 234,000 | $ 58,500 | $ 50,000 |
| Michigan City-La Porte, IN | 4 | $ 375,000 | $ 93,750 | $ 61,000 |
| New Orleans-Metairie-Kenner, LA | 4 | $ 420,000 | $ 105,000 | $ 47,000 |
| Palm Bay-Melbourne-Titusville, FL | 4 | $ 641,000 | $ 160,250 | $ 100,000 |
| Texarkana, Tx-Texarkana, AR | 4 | $ 342,000 | $ 85,500 | $ 36,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 4 | $ 507,000 | $ 126,750 | $ 209,000 |
| Appleton, WI | 3 | $ 240,000 | $ 80,000 | $ 480,000 |
| Charlotte-Gastonia-Concord, NC-SC | 3 | $ 398,000 | $ 132,666 | $ 125,000 |
| Decatur, IL | 3 | $ 131,000 | $ 43,666 | $ 45,000 |
| Kennewick-Richland-Pasco, WA | 3 | $ 352,000 | $ 117,333 | $ 112,000 |
| Manchester-Nashua, NH | 3 | $ 981,000 | $ 327,000 | $ 53,000 |
| Milwaukee-Waukesha-West Allis, WI | 3 | $ 473,000 | $ 157,666 | $ 72,000 |
| Port St. Lucie-Fort Pierce, FL | 3 | $ 642,000 | $ 214,000 | $ 59,000 |
| St. Louis, MO-IL | 3 | $ 282,000 | $ 94,000 | $ 58,000 |
| Tucson, AZ | 3 | $ 441,000 | $ 147,000 | $ 71,000 |
| Warren-Farmington Hills-Troy, MI | 3 | $ 467,000 | $ 155,666 | $ 55,000 |
| Anchorage, AK | 2 | $ 900,000 | $ 450,000 | $ 101,000 |
| Ann Arbor, MI | 2 | $ 122,000 | $ 61,000 | $ 51,000 |
| Brownsville-Harlingen, TX | 2 | $ 133,000 | $ 66,500 | $ 82,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 690,000 | $ 345,000 | $ 755,000 |
| Cheyenne, WY | 2 | $ 204,000 | $ 102,000 | $ 56,000 |
| Cincinnati-Middletown, OH-KY-IN | 2 | $ 265,000 | $ 132,500 | $ 99,000 |
| Columbus, OH | 2 | $ 388,000 | $ 194,000 | $ 86,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 223,000 | $ 111,500 | $ 65,000 |
| Fayetteville, NC | 2 | $ 530,000 | $ 265,000 | $ 272,000 |
| Greenville, SC | 2 | $ 180,000 | $ 90,000 | $ 24,000 |
| Lewiston-Auburn, ME | 2 | $ 301,000 | $ 150,500 | $ 54,000 |
| Midland, TX | 2 | $ 187,000 | $ 93,500 | $ 37,000 |
| Nassau-Suffolk, NY | 2 | $ 725,000 | $ 362,500 | $ 180,000 |
| Ocala, FL | 2 | $ 209,000 | $ 104,500 | $ 41,000 |
| Ogden-Clearfield, UT | 2 | $ 1,120,000 | $ 560,000 | $ 71,000 |
| Oklahoma City, OK | 2 | $ 251,000 | $ 125,500 | $ 60,000 |
| Olympia, WA | 2 | $ 227,000 | $ 113,500 | $ 103,000 |
| Portland-South Portland-Biddeford, ME | 2 | $ 167,000 | $ 83,500 | $ 161,000 |
| Portland-Vancouver-Beaverton, OR-WA | 2 | $ 442,000 | $ 221,000 | $ 66,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 2 | $ 378,000 | $ 189,000 | $ 63,000 |
| Rockingham County-Strafford County, NH | 2 | $ 297,000 | $ 148,500 | $ 81,000 |
| Saginaw-Saginaw Township North, MI | 2 | $ 280,000 | $ 140,000 | $ 32,000 |
| Salt Lake City, UT | 2 | $ 363,000 | $ 181,500 | $ 129,000 |
| St. George, UT | 2 | $ 449,000 | $ 224,500 | $ 204,000 |
| Wilmington, DE-MD-NJ | 2 | $ 231,000 | $ 115,500 | $ 48,000 |
| York-Hanover, PA | 2 | $ 272,000 | $ 136,000 | $ 387,000 |
| Ames, IA | 1 | $ 65,000 | $ 65,000 | $ 27,000 |
| Bellingham, WA | 1 | $ 75,000 | $ 75,000 | $ 50,000 |
| Bend, OR | 1 | $ 219,000 | $ 219,000 | $ 74,000 |
| Boise City-Nampa, ID | 1 | $ 183,000 | $ 183,000 | $ 42,000 |
| Buffalo-Niagara Falls, NY | 1 | $ 67,000 | $ 67,000 | $ 96,000 |
| Canton-Massillon, OH | 1 | $ 68,000 | $ 68,000 | $ 24,000 |
| Charleston, WV | 1 | $ 84,000 | $ 84,000 | $ 58,000 |
| Charleston-North Charleston, SC | 1 | $ 214,000 | $ 214,000 | $ 1,200,000 |
| Charlottesville, VA | 1 | $ 240,000 | $ 240,000 | $ 13,000 |
| Coeur D'Alene, ID | 1 | $ 149,000 | $ 149,000 | $ 50,000 |
| Columbia, SC | 1 | $ 398,000 | $ 398,000 | $ 360,000 |
| Dayton, OH | 1 | $ 38,000 | $ 38,000 | $ 35,000 |
| Dover, DE | 1 | $ 424,000 | $ 424,000 | $ 134,000 |
| Elkhart-Goshen, IN | 1 | $ 197,000 | $ 197,000 | $ 672,000 |
| Fort Smith, AR-OK | 1 | $ 81,000 | $ 81,000 | $ 68,000 |
| Fort Wayne, IN | 1 | $ 117,000 | $ 117,000 | $ 63,000 |
| Gadsden, AL | 1 | $ 80,000 | $ 80,000 | $ 28,000 |
| Greensboro-High Point, NC | 1 | $ 192,000 | $ 192,000 | $ 80,000 |
| Greenville, NC | 1 | $ 79,000 | $ 79,000 | $ 59,000 |
| Hot Springs, AR | 1 | $ 199,000 | $ 199,000 | $ 180,000 |
| Houma-Bayou Cane-Thibodaux, LA | 1 | $ 223,000 | $ 223,000 | $ 240,000 |
| Iowa City, IA | 1 | $ 137,000 | $ 137,000 | $ 46,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 300,000 | $ 300,000 | $ 36,000 |
| Knoxville, TN | 1 | $ 65,000 | $ 65,000 | $ 100,000 |
| La Crosse, WI-MN | 1 | $ 80,000 | $ 80,000 | $ 43,000 |
| Lakeland, FL | 1 | $ 96,000 | $ 96,000 | $ 50,000 |
| Las Cruces, NM | 1 | $ 248,000 | $ 248,000 | $ 87,000 |
| Lexington-Fayette, KY | 1 | $ 168,000 | $ 168,000 | $ 75,000 |
| Lincoln, NE | 1 | $ 137,000 | $ 137,000 | $ 100,000 |
| Louisville, KY-IN | 1 | $ 280,000 | $ 280,000 | $ 60,000 |
| Lubbock, TX | 1 | $ 217,000 | $ 217,000 | $ 96,000 |
| Madison, WI | 1 | $ 219,000 | $ 219,000 | $ 120,000 |
| Medford, OR | 1 | $ 74,000 | $ 74,000 | $ 77,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 1 | $ 234,000 | $ 234,000 | $ 215,000 |
| Nashville-Davidson--Murfreesboro, TN | 1 | $ 65,000 | $ 65,000 | $ 48,000 |
| Odessa, TX | 1 | $ 61,000 | $ 61,000 | $ 54,000 |
| Prescott, AZ | 1 | $ 270,000 | $ 270,000 | $ 97,000 |
| Provo-Orem, UT | 1 | $ 198,000 | $ 198,000 | $ 240,000 |
| Punta Gorda, FL | 1 | $ 279,000 | $ 279,000 | $ 241,000 |
| Raleigh-Cary, NC | 1 | $ 160,000 | $ 160,000 | $ 90,000 |
| Reno-Sparks, NV | 1 | $ 280,000 | $ 280,000 | $ 60,000 |
| Rochester, NY | 1 | $ 65,000 | $ 65,000 | $ 35,000 |
| San Angelo, TX | 1 | $ 128,000 | $ 128,000 | $ 65,000 |
| Santa Fe, NM | 1 | $ 227,000 | $ 227,000 | $ 90,000 |
| Savannah, GA | 1 | $ 98,000 | $ 98,000 | $ 96,000 |
| Scranton--Wilkes-Barre, PA | 1 | $ 165,000 | $ 165,000 | $ 36,000 |
| Sherman-Denison, TX | 1 | $ 113,000 | $ 113,000 | $ 60,000 |
| Toledo, OH | 1 | $ 44,000 | $ 44,000 | $ 42,000 |
| Tulsa, OK | 1 | $ 88,000 | $ 88,000 | $ 63,000 |
| Vero Beach, FL | 1 | $ 214,000 | $ 214,000 | $ 160,000 |
| Victoria, TX | 1 | $ 64,000 | $ 64,000 | $ 34,000 |
| Wichita Falls, TX | 1 | $ 70,000 | $ 70,000 | $ 24,000 |
| Winston-Salem, NC | 1 | $ 200,000 | $ 200,000 | $ 75,000 |
Mortgage Loan Application Detail Totals for Town & Country Credit in 2005
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 | 126,672 | $30,755,553,000 | $185,979 | $6,114,000 | $100,020 | $9,999,000 |
| Home Improvement | 2,984 | $796,466,000 | $197,578 | $3,120,000 | $80,736 | $2,924,000 |
| Home Purchase | 2,687 | $328,027,000 | $90,869 | $1,000,000 | $70,217 | $1,800,000 |
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 | 59,096 | $15,113,488,000 | $185,022 | $3,164,000 | $101,266 | $9,999,000 |
| White | 53,108 | $12,117,739,000 | $189,575 | $6,114,000 | $97,100 | $9,999,000 |
| Hispanic | 9,076 | $2,228,896,000 | $193,733 | $5,585,000 | $100,600 | $3,624,000 |
| Black or African American | 7,923 | $1,494,234,000 | $151,142 | $1,600,000 | $79,142 | $1,920,000 |
| Asian | 2,289 | $687,673,000 | $190,000 | $1,600,000 | $110,133 | $4,236,000 |
| Native Hawaiian or Other Pacific Islander | 509 | $156,105,000 | $212,800 | $1,550,000 | $179,800 | $2,470,000 |
| American Indian or Alaskan Native | 342 | $81,911,000 | $199,454 | $900,000 | $102,454 | $1,351,000 |
| 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) | 132,343 | $31,880,046,000 | $180,326 | $6,114,000 | $96,142 | $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 | 66,224 | $16,418,571,000 | $165,534 | $2,000,000 | $128,790 | $9,999,000 |
| Application Denied By Financial Institution | 47,107 | $10,870,750,000 | $184,282 | $6,114,000 | $82,086 | $7,440,000 |
| File Closed For Incompleteness | 8,288 | $2,031,873,000 | $244,368 | $1,750,000 | $116,473 | $4,800,000 |
| Loan Originated | 8,073 | $1,870,336,000 | $165,384 | $1,090,000 | $70,769 | $1,931,000 |
| Application Approved But Not Accepted | 2,651 | $688,516,000 | $183,923 | $1,727,000 | $84,923 | $5,549,000 |
| 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 | 44,958 | $10,428,305,000 | $184,456 | $6,114,000 | $82,086 | $7,440,000 |
| Credit History | 1,062 | $209,505,000 | $162,333 | $1,120,000 | $106,750 | $3,000,000 |
| Collateral | 863 | $182,536,000 | $207,545 | $1,477,000 | $88,272 | $1,260,000 |
| Debt-To-Income Ratio | 224 | $50,404,000 | $176,454 | $800,000 | $90,818 | $2,472,000 |
| 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 2005 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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