Usa Home Loans Inc
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005

Usa Home Loans Inc 2005 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.

Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher, this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.

Mortgage Company & Address Usa Home Loans Inc
8725 Loch Raven Blvd Suite 205
Towson, MD 21286
Tel #: available with data download
Federal Regulator * available with data download
Years 2007  2006  2005  
Total Number of Mortgage Applications 1,242
Total Mortgage Loan Application Amount $204,788,000
Average Mortgage Loan Application Amount $145,761
Highest Mortgage Loan Application Amount $879,000
Average Applicant Income $36,523
Highest Applicant Income $454,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with Usa Home Loans Inc. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Usa Home Loans Inc's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.

Our HMDA dataset for 2005 breaks down Usa Home Loans Inc's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Usa Home Loans Inc serves its applicants.

Each category highlights the total number of mortgage applications processed by Usa Home Loans Inc, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Usa Home Loans Inc's mortgage activity for 2005.

Mortgage Loan Application Totals for Usa Home Loans Inc by County in 2005

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Baltimore County Maryland 177 $ 27,517,000 $ 155,000 $ 60,000
Harford County Maryland 128 $ 23,759,000 $ 185,000 $ 62,000
Prince George's County Maryland 118 $ 22,303,000 $ 189,000 $ 56,000
Baltimore City County Maryland 46 $ 6,208,000 $ 134,000 $ 51,000
Anne Arundel County Maryland 36 $ 7,864,000 $ 218,000 $ 71,000
Montgomery County Maryland 26 $ 5,087,000 $ 195,000 $ 65,000
Philadelphia County Pennsylvania 21 $ 3,187,000 $ 151,000 $ 52,000
Cook County Illinois 18 $ 2,876,000 $ 159,000 $ 48,000
Harris County Texas 17 $ 1,841,000 $ 108,000 $ 0
Fairfax County Virginia 17 $ 3,358,000 $ 197,000 $ 62,000
Charles County Maryland 16 $ 3,270,000 $ 204,000 $ 68,000
Chesterfield County Virginia 16 $ 2,182,000 $ 136,000 $ 39,000
Henrico County Virginia 16 $ 2,273,000 $ 142,000 $ 40,000
Virginia Beach County Virginia 16 $ 3,187,000 $ 199,000 $ 54,000
Los Angeles County California 15 $ 3,811,000 $ 254,000 $ 82,000
Lancaster County Pennsylvania 14 $ 1,704,000 $ 121,000 $ 51,000
Washington County Maryland 13 $ 2,284,000 $ 175,000 $ 69,000
Delaware County Pennsylvania 13 $ 2,089,000 $ 160,000 $ 65,000
Spotsylvania County Virginia 13 $ 2,009,000 $ 154,000 $ 48,000
Carroll County Maryland 12 $ 2,313,000 $ 192,000 $ 100,000
Cecil County Maryland 12 $ 2,363,000 $ 196,000 $ 74,000
Bucks County Pennsylvania 12 $ 2,038,000 $ 169,000 $ 61,000
Tarrant County Texas 12 $ 1,367,000 $ 113,000 $ 0
Prince William County Virginia 12 $ 2,750,000 $ 229,000 $ 38,000
Kern County California 11 $ 1,822,000 $ 165,000 $ 60,000
Frederick County Maryland 11 $ 2,154,000 $ 195,000 $ 51,000
York County Pennsylvania 11 $ 1,674,000 $ 152,000 $ 39,000
San Bernardino County California 10 $ 1,861,000 $ 186,000 $ 43,000
Howard County Maryland 10 $ 2,188,000 $ 218,000 $ 61,000
Dallas County Texas 10 $ 1,130,000 $ 113,000 $ 0
New Castle County Delaware 9 $ 1,335,000 $ 148,000 $ 36,000
Calvert County Maryland 9 $ 1,593,000 $ 177,000 $ 59,000
Berks County Pennsylvania 9 $ 1,389,000 $ 154,000 $ 31,000
Montgomery County Pennsylvania 9 $ 1,229,000 $ 136,000 $ 45,000
Jefferson County Alabama 8 $ 887,000 $ 110,000 $ 22,000
Sacramento County California 8 $ 1,712,000 $ 214,000 $ 50,000
Dauphin County Pennsylvania 8 $ 933,000 $ 116,000 $ 22,000
Franklin County Ohio 7 $ 954,000 $ 136,000 $ 27,000
Marion County Indiana 6 $ 709,000 $ 118,000 $ 25,000
St. Mary's County Maryland 6 $ 1,126,000 $ 187,000 $ 48,000
Northampton County Pennsylvania 6 $ 912,000 $ 152,000 $ 55,000
Collin County Texas 6 $ 790,000 $ 131,000 $ 0
Newport News County Virginia 6 $ 871,000 $ 145,000 $ 43,000
Miami-Dade County Florida 5 $ 876,000 $ 175,000 $ 51,000
Wicomico County Maryland 5 $ 546,000 $ 109,000 $ 47,000
Cuyahoga County Ohio 5 $ 544,000 $ 108,000 $ 11,000
Allegheny County Pennsylvania 5 $ 613,000 $ 122,000 $ 23,000
Richland County South Carolina 5 $ 620,000 $ 124,000 $ 22,000
Davidson County Tennessee 5 $ 611,000 $ 122,000 $ 0
Hamilton County Tennessee 5 $ 540,000 $ 108,000 $ 22,000
Shelby County Tennessee 5 $ 637,000 $ 127,000 $ 0
Loudoun County Virginia 5 $ 1,088,000 $ 217,000 $ 50,000
Norfolk County Virginia 5 $ 688,000 $ 137,000 $ 21,000
Madera County California 4 $ 828,000 $ 207,000 $ 86,000
Riverside County California 4 $ 710,000 $ 177,000 $ 34,000
Orange County Florida 4 $ 620,000 $ 155,000 $ 31,000
Lake County Illinois 4 $ 564,000 $ 141,000 $ 63,000
Dorchester County Maryland 4 $ 642,000 $ 160,000 $ 49,000
Worcester County Maryland 4 $ 568,000 $ 142,000 $ 68,000
Licking County Ohio 4 $ 508,000 $ 127,000 $ 56,000
Montgomery County Ohio 4 $ 360,000 $ 90,000 $ 0
Travis County Texas 4 $ 434,000 $ 108,000 $ 0
Williamson County Texas 4 $ 549,000 $ 137,000 $ 0
Chesapeake County Virginia 4 $ 733,000 $ 183,000 $ 66,000
Roanoke County Virginia 4 $ 622,000 $ 155,000 $ 28,000
Montgomery County Alabama 3 $ 305,000 $ 101,000 $ 0
Tulare County California 3 $ 393,000 $ 131,000 $ 75,000
Hillsborough County Florida 3 $ 477,000 $ 159,000 $ 37,000
Winnebago County Illinois 3 $ 316,000 $ 105,000 $ 16,000
Kent County Maryland 3 $ 423,000 $ 141,000 $ 41,000
Lake County Ohio 3 $ 355,000 $ 118,000 $ 38,000
Lorain County Ohio 3 $ 378,000 $ 126,000 $ 53,000
Lucas County Ohio 3 $ 338,000 $ 112,000 $ 29,000
Chester County Pennsylvania 3 $ 658,000 $ 219,000 $ 70,000
Lehigh County Pennsylvania 3 $ 418,000 $ 139,000 $ 25,000
Monroe County Pennsylvania 3 $ 440,000 $ 146,000 $ 64,000
Greenville County South Carolina 3 $ 410,000 $ 136,000 $ 0
Lexington County South Carolina 3 $ 243,000 $ 81,000 $ 31,000
Bexar County Texas 3 $ 319,000 $ 106,000 $ 0
Alameda County California 2 $ 566,000 $ 283,000 $ 80,000
Fresno County California 2 $ 483,000 $ 241,000 $ 43,000
Kings County California 2 $ 450,000 $ 225,000 $ 65,000
Merced County California 2 $ 369,000 $ 184,000 $ 47,000
Tehama County California 2 $ 260,000 $ 130,000 $ 44,000
Broward County Florida 2 $ 304,000 $ 152,000 $ 0
Clay County Florida 2 $ 301,000 $ 150,000 $ 27,000
Duval County Florida 2 $ 299,000 $ 149,000 $ 38,000
DuPage County Illinois 2 $ 361,000 $ 180,000 $ 36,000
Grundy County Illinois 2 $ 386,000 $ 193,000 $ 78,000
Kane County Illinois 2 $ 213,000 $ 106,000 $ 20,000
Caroline County Maryland 2 $ 453,000 $ 226,000 $ 68,000
Queen Anne's County Maryland 2 $ 336,000 $ 168,000 $ 20,000
Talbot County Maryland 2 $ 1,149,000 $ 574,000 $ 144,000
Hamilton County Ohio 2 $ 223,000 $ 111,000 $ 0
Huron County Ohio 2 $ 198,000 $ 99,000 $ 38,000
Mahoning County Ohio 2 $ 180,000 $ 90,000 $ 0
Medina County Ohio 2 $ 276,000 $ 138,000 $ 0
Tuscarawas County Ohio 2 $ 191,000 $ 95,000 $ 0
Beaver County Pennsylvania 2 $ 222,000 $ 111,000 $ 31,000
Lycoming County Pennsylvania 2 $ 216,000 $ 108,000 $ 38,000
Westmoreland County Pennsylvania 2 $ 270,000 $ 135,000 $ 50,000
Knox County Tennessee 2 $ 191,000 $ 95,000 $ 24,000
El Paso County Texas 2 $ 238,000 $ 119,000 $ 33,000
Fort Bend County Texas 2 $ 185,000 $ 92,000 $ 0
Johnson County Texas 2 $ 189,000 $ 94,000 $ 0
Montgomery County Texas 2 $ 189,000 $ 94,000 $ 0
Rockwall County Texas 2 $ 226,000 $ 113,000 $ 0
Alexandria County Virginia 2 $ 496,000 $ 248,000 $ 87,000
Fauquier County Virginia 2 $ 516,000 $ 258,000 $ 66,000
Hampton County Virginia 2 $ 268,000 $ 134,000 $ 21,000
Hanover County Virginia 2 $ 330,000 $ 165,000 $ 40,000
Orange County Virginia 2 $ 323,000 $ 161,000 $ 58,000
Richmond City County Virginia 2 $ 164,000 $ 82,000 $ 17,000
Stafford County Virginia 2 $ 503,000 $ 251,000 $ 104,000
Suffolk County Virginia 2 $ 218,000 $ 109,000 $ 0
York County Virginia 2 $ 347,000 $ 173,000 $ 62,000
Mobile County Alabama 1 $ 128,000 $ 128,000 $ 31,000
Shelby County Alabama 1 $ 128,000 $ 128,000 $ 0
Contra Costa County California 1 $ 167,000 $ 167,000 $ 45,000
Napa County California 1 $ 396,000 $ 396,000 $ 96,000
San Joaquin County California 1 $ 259,000 $ 259,000 $ 108,000
Shasta County California 1 $ 197,000 $ 197,000 $ 46,000
Stanislaus County California 1 $ 226,000 $ 226,000 $ 65,000
Adams County Colorado 1 $ 202,000 $ 202,000 $ 62,000
Arapahoe County Colorado 1 $ 172,000 $ 172,000 $ 0
Douglas County Colorado 1 $ 142,000 $ 142,000 $ 0
El Paso County Colorado 1 $ 198,000 $ 198,000 $ 71,000
Weld County Colorado 1 $ 176,000 $ 176,000 $ 0
Brevard County Florida 1 $ 156,000 $ 156,000 $ 44,000
Charlotte County Florida 1 $ 195,000 $ 195,000 $ 83,000
Collier County Florida 1 $ 272,000 $ 272,000 $ 50,000
Lee County Florida 1 $ 221,000 $ 221,000 $ 70,000
Leon County Florida 1 $ 76,000 $ 76,000 $ 46,000
Manatee County Florida 1 $ 81,000 $ 81,000 $ 0
Palm Beach County Florida 1 $ 308,000 $ 308,000 $ 74,000
Pinellas County Florida 1 $ 92,000 $ 92,000 $ 0
Polk County Florida 1 $ 238,000 $ 238,000 $ 55,000
Sarasota County Florida 1 $ 71,000 $ 71,000 $ 25,000
St. Lucie County Florida 1 $ 155,000 $ 155,000 $ 61,000
Volusia County Florida 1 $ 146,000 $ 146,000 $ 0
Boone County Illinois 1 $ 98,000 $ 98,000 $ 0
Kendall County Illinois 1 $ 220,000 $ 220,000 $ 78,000
LaSalle County Illinois 1 $ 113,000 $ 113,000 $ 88,000
Madison County Illinois 1 $ 101,000 $ 101,000 $ 58,000
McHenry County Illinois 1 $ 147,000 $ 147,000 $ 58,000
Rock Island County Illinois 1 $ 92,000 $ 92,000 $ 0
St. Clair County Illinois 1 $ 115,000 $ 115,000 $ 39,000
Will County Illinois 1 $ 183,000 $ 183,000 $ 64,000
Williamson County Illinois 1 $ 104,000 $ 104,000 $ 0
Hendricks County Indiana 1 $ 103,000 $ 103,000 $ 62,000
Jefferson County Kentucky 1 $ 130,000 $ 130,000 $ 0
Jackson County Missouri 1 $ 148,000 $ 148,000 $ 87,000
St. Louis County Missouri 1 $ 111,000 $ 111,000 $ 30,000
St. Louis City County Missouri 1 $ 96,000 $ 96,000 $ 0
Ashtabula County Ohio 1 $ 89,000 $ 89,000 $ 0
Brown County Ohio 1 $ 152,000 $ 152,000 $ 73,000
Butler County Ohio 1 $ 111,000 $ 111,000 $ 0
Clark County Ohio 1 $ 88,000 $ 88,000 $ 0
Fairfield County Ohio 1 $ 96,000 $ 96,000 $ 0
Geauga County Ohio 1 $ 143,000 $ 143,000 $ 0
Greene County Ohio 1 $ 81,000 $ 81,000 $ 0
Knox County Ohio 1 $ 123,000 $ 123,000 $ 0
Madison County Ohio 1 $ 115,000 $ 115,000 $ 54,000
Ottawa County Ohio 1 $ 117,000 $ 117,000 $ 0
Pickaway County Ohio 1 $ 213,000 $ 213,000 $ 57,000
Stark County Ohio 1 $ 97,000 $ 97,000 $ 0
Trumbull County Ohio 1 $ 136,000 $ 136,000 $ 0
Warren County Ohio 1 $ 153,000 $ 153,000 $ 0
Beaufort County South Carolina 1 $ 131,000 $ 131,000 $ 41,000
Pickens County South Carolina 1 $ 101,000 $ 101,000 $ 0
Blount County Tennessee 1 $ 138,000 $ 138,000 $ 33,000
Maury County Tennessee 1 $ 116,000 $ 116,000 $ 48,000
Sumner County Tennessee 1 $ 6,000 $ 6,000 $ 0
Bastrop County Texas 1 $ 86,000 $ 86,000 $ 0
Comal County Texas 1 $ 104,000 $ 104,000 $ 0
Nueces County Texas 1 $ 122,000 $ 122,000 $ 0
Randall County Texas 1 $ 120,000 $ 120,000 $ 0
Caroline County Virginia 1 $ 102,000 $ 102,000 $ 35,000
Culpeper County Virginia 1 $ 116,000 $ 116,000 $ 85,000
James City County Virginia 1 $ 200,000 $ 200,000 $ 92,000
Petersburg County Virginia 1 $ 55,000 $ 55,000 $ 73,000
Portsmouth County Virginia 1 $ 92,000 $ 92,000 $ 0

Mortgage Loan Application Detail Totals for Usa Home Loans Inc 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 1,090 $177,190,000 $141,687 $879,000 $31,125 $300,000
Home Purchase 152 $27,598,000 $158,800 $624,000 $53,800 $454,000
Home Improvement 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
White 601 $99,354,000 $144,500 $879,000 $34,642 $454,000
Black or African American 371 $60,254,000 $143,666 $500,000 $30,666 $161,000
Not Provided 184 $30,615,000 $140,533 $420,000 $29,466 $161,000
Hispanic 68 $11,274,000 $156,600 $302,000 $39,300 $136,000
American Indian or Alaskan Native 9 $1,717,000 $161,500 $363,000 $39,833 $123,000
Asian 8 $1,418,000 $186,000 $340,000 $47,600 $95,000
Native Hawaiian or Other Pacific Islander 1 $156,000 $156,000 $156,000 $0 $0
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
FHA-insured (Federal Housing Administration) 674 $100,040,000 $134,062 $315,000 $22,750 $454,000
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 566 $104,482,000 $155,750 $879,000 $57,833 $360,000
VA-guaranteed (Veterans Administration) 2 $266,000 $133,000 $185,000 $0 $0
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
Loan Originated 923 $157,680,000 $146,214 $879,000 $36,500 $454,000
Application Withdrawn By Applicant 240 $35,885,000 $143,214 $435,000 $33,571 $216,000
Application Denied By Financial Institution 78 $10,948,000 $130,000 $388,000 $22,071 $114,000
Application Approved But Not Accepted 1 $275,000 $275,000 $275,000 $92,000 $92,000
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
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 22 $3,261,000 $150,000 $276,000 $38,750 $108,000
Credit History 12 $1,571,000 $133,142 $204,000 $29,285 $114,000
Debt-To-Income Ratio 9 $1,375,000 $150,000 $238,000 $36,666 $69,000
Collateral 6 $916,000 $141,500 $237,000 $26,500 $85,000
Mortgage Insurance Denied 1 $86,000 $86,000 $86,000 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Usa Home Loans Inc'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 Usa Home Loans 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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