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(HMDA) records Town & Country Credit filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
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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with aggregated HMDA statistics today.
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