Town & Country Credit Mortgage Lending & HMDA Data, 2004
In 2004, Town & Country Credit of Irvine, CA reported 157,655 mortgage applications totaling $32.7 billion, up 17% from 2003. The average application was for $207,641, and applicants reported an average income of $93,438. 7% of its applications resulted in an originated loan and 35% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (18,434), Chicago-Naperville-Joliet, IL (13,337) and Riverside-San Bernardino-Ontario, CA (10,810) (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 | 157,655 |
| Total Mortgage Loan Application Amount | $32,735,677,000 |
| Average Mortgage Loan Application Amount | $207,641 |
| Highest Mortgage Loan Application Amount | $5,662,000 |
| Average Applicant Income | $93,438 |
| Highest Applicant Income | $9,000,000 |
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(HMDA) records Town & Country Credit filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Town & Country Credit 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 |
|---|---|---|---|---|---|---|
| Refinancing | 152,578 | $31,634,553,000 | $159,596 | $5,662,000 | $90,519 | $9,000,000 |
| Home Improvement | 4,290 | $918,808,000 | $175,391 | $2,400,000 | $81,652 | $5,930,000 |
| Home Purchase | 787 | $182,316,000 | $172,611 | $1,000,000 | $197,055 | $2,520,000 |
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 |
|---|---|---|---|---|---|---|
| White | 82,594 | $16,793,145,000 | $156,862 | $4,800,000 | $89,686 | $7,200,000 |
| Not Provided | 42,134 | $9,375,392,000 | $171,931 | $5,662,000 | $113,000 | $9,000,000 |
| Hispanic | 14,954 | $2,973,631,000 | $143,862 | $4,480,000 | $95,241 | $6,005,000 |
| Black or African American | 12,046 | $2,042,931,000 | $153,687 | $3,800,000 | $73,312 | $6,000,000 |
| Asian | 4,168 | $1,118,755,000 | $189,400 | $4,000,000 | $97,650 | $7,200,000 |
| Native Hawaiian or Other Pacific Islander | 962 | $264,844,000 | $201,277 | $3,687,000 | $105,555 | $1,945,000 |
| American Indian or Alaskan Native | 797 | $166,979,000 | $177,111 | $1,112,000 | $85,388 | $2,880,000 |
| 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) | 157,655 | $32,735,677,000 | $160,846 | $5,662,000 | $91,846 | $9,000,000 |
| 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 | 69,907 | $14,899,515,000 | $184,636 | $3,735,000 | $135,840 | $9,000,000 |
| Application Denied By Financial Institution | 55,190 | $11,053,242,000 | $142,142 | $5,662,000 | $73,285 | $6,005,000 |
| File Closed For Incompleteness | 18,714 | $3,858,800,000 | $167,666 | $3,200,000 | $108,666 | $4,800,000 |
| Loan Originated | 11,306 | $2,380,952,000 | $146,608 | $975,000 | $88,478 | $1,962,000 |
| Application Approved But Not Accepted | 2,538 | $543,168,000 | $189,625 | $1,275,000 | $80,625 | $1,625,000 |
| 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 | 48,404 | $9,926,153,000 | $143,081 | $5,662,000 | $71,857 | $6,000,000 |
| Credit History | 3,454 | $551,900,000 | $150,000 | $960,000 | $96,105 | $6,005,000 |
| Collateral | 2,911 | $502,264,000 | $157,227 | $4,480,000 | $90,590 | $2,760,000 |
| Debt-To-Income Ratio | 421 | $72,925,000 | $172,166 | $877,000 | $67,500 | $2,400,000 |
| 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 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 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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with aggregated HMDA statistics today.
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