USA Home Loans Inc Mortgage Lending & HMDA Data, 2006
In 2006, USA Home Loans Inc of Towson, MD reported 1,215 mortgage applications totaling $250.0 million, down 2% from 2005. The average application was for $205,727, and applicants reported an average income of $80,179. 74% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Baltimore-Towson, MD (442), Washington-Arlington-Alexandria, DC-VA-MD-WV (215) and Philadelphia, PA (68) (applications in parentheses).
| 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 | 1,215 |
| Total Mortgage Loan Application Amount | $249,959,000 |
| Average Mortgage Loan Application Amount | $205,727 |
| Highest Mortgage Loan Application Amount | $1,658,000 |
| Average Applicant Income | $80,179 |
| Highest Applicant Income | $5,734,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records USA Home Loans Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Baltimore, Maryland | 151 | $ 27,820,000 | $ 184,238 | $ 68,000 |
| Harford, Maryland | 130 | $ 29,638,000 | $ 227,984 | $ 159,000 |
| Prince George's, Maryland | 125 | $ 32,935,000 | $ 263,480 | $ 89,000 |
| Baltimore City, Maryland | 113 | $ 16,096,000 | $ 142,442 | $ 52,000 |
| District of Columbia, District Of Columbia | 33 | $ 9,977,000 | $ 302,333 | $ 84,000 |
| Anne Arundel, Maryland | 30 | $ 6,944,000 | $ 231,466 | $ 75,000 |
| Montgomery, Maryland | 26 | $ 7,391,000 | $ 284,269 | $ 95,000 |
| Charles, Maryland | 18 | $ 4,824,000 | $ 268,000 | $ 82,000 |
| Philadelphia, Pennsylvania | 18 | $ 3,205,000 | $ 178,055 | $ 68,000 |
| Jefferson, Alabama | 17 | $ 2,364,000 | $ 139,058 | $ 56,000 |
| York, Pennsylvania | 16 | $ 2,638,000 | $ 164,875 | $ 59,000 |
| Delaware, Pennsylvania | 15 | $ 2,831,000 | $ 188,733 | $ 78,000 |
| Virginia Beach, Virginia | 15 | $ 3,196,000 | $ 213,066 | $ 66,000 |
| Bucks, Pennsylvania | 14 | $ 2,949,000 | $ 210,642 | $ 78,000 |
| Montgomery, Pennsylvania | 14 | $ 3,333,000 | $ 238,071 | $ 75,000 |
| Chesterfield, Virginia | 14 | $ 2,517,000 | $ 179,785 | $ 55,000 |
| Lancaster, Pennsylvania | 12 | $ 1,970,000 | $ 164,166 | $ 67,000 |
| Lehigh, Pennsylvania | 12 | $ 2,253,000 | $ 187,750 | $ 79,000 |
| Suffolk, Virginia | 12 | $ 2,336,000 | $ 194,666 | $ 65,000 |
| Howard, Maryland | 11 | $ 2,675,000 | $ 243,181 | $ 77,000 |
| Washington, Maryland | 11 | $ 2,071,000 | $ 188,272 | $ 74,000 |
| Orange, Florida | 9 | $ 1,583,000 | $ 175,888 | $ 63,000 |
| St. Mary's, Maryland | 9 | $ 2,353,000 | $ 261,444 | $ 72,000 |
| Burlington, New Jersey | 9 | $ 1,566,000 | $ 174,000 | $ 66,000 |
| San Bernardino, California | 8 | $ 1,695,000 | $ 211,875 | $ 66,000 |
| New Castle, Delaware | 8 | $ 1,387,000 | $ 173,375 | $ 66,000 |
| Cecil, Maryland | 8 | $ 1,553,000 | $ 194,125 | $ 68,000 |
| Northampton, Pennsylvania | 8 | $ 1,501,000 | $ 187,625 | $ 78,000 |
| Chesapeake, Virginia | 8 | $ 2,239,000 | $ 279,875 | $ 90,000 |
| Fairfax, Virginia | 8 | $ 2,261,000 | $ 282,625 | $ 60,000 |
| Hampton, Virginia | 8 | $ 1,428,000 | $ 178,500 | $ 59,000 |
| Henrico, Virginia | 8 | $ 1,609,000 | $ 201,125 | $ 68,000 |
| Norfolk, Virginia | 8 | $ 1,263,000 | $ 157,875 | $ 54,000 |
| Prince William, Virginia | 8 | $ 2,266,000 | $ 283,250 | $ 63,000 |
| Spotsylvania, Virginia | 8 | $ 2,355,000 | $ 294,375 | $ 86,000 |
| Gloucester, New Jersey | 7 | $ 1,247,000 | $ 178,142 | $ 72,000 |
| Chester, Pennsylvania | 7 | $ 1,668,000 | $ 238,285 | $ 88,000 |
| Dauphin, Pennsylvania | 7 | $ 949,000 | $ 135,571 | $ 58,000 |
| Hillsborough, Florida | 6 | $ 825,000 | $ 137,500 | $ 56,000 |
| Camden, New Jersey | 6 | $ 1,011,000 | $ 168,500 | $ 57,000 |
| Monmouth, New Jersey | 6 | $ 1,476,000 | $ 246,000 | $ 81,000 |
| Newport News, Virginia | 6 | $ 1,262,000 | $ 210,333 | $ 62,000 |
| Riverside, California | 5 | $ 890,000 | $ 178,000 | $ 56,000 |
| Duval, Florida | 5 | $ 930,000 | $ 186,000 | $ 70,000 |
| Manatee, Florida | 5 | $ 858,000 | $ 171,600 | $ 59,000 |
| Frederick, Maryland | 5 | $ 1,622,000 | $ 324,400 | $ 94,000 |
| Worcester, Maryland | 5 | $ 448,000 | $ 89,600 | $ 78,000 |
| Berks, Pennsylvania | 5 | $ 1,028,000 | $ 205,600 | $ 75,000 |
| Monroe, Pennsylvania | 5 | $ 942,000 | $ 188,400 | $ 72,000 |
| Portsmouth, Virginia | 5 | $ 1,160,000 | $ 232,000 | $ 73,000 |
| Mobile, Alabama | 4 | $ 542,000 | $ 135,500 | $ 59,000 |
| Carroll, Maryland | 4 | $ 992,000 | $ 248,000 | $ 74,000 |
| Allegheny, Pennsylvania | 4 | $ 690,000 | $ 172,500 | $ 81,000 |
| Harris, Texas | 4 | $ 613,000 | $ 153,250 | $ 73,000 |
| Loudoun, Virginia | 4 | $ 1,315,000 | $ 328,750 | $ 92,000 |
| Stafford, Virginia | 4 | $ 1,290,000 | $ 322,500 | $ 71,000 |
| Montgomery, Alabama | 3 | $ 323,000 | $ 107,666 | $ 62,000 |
| Shelby, Alabama | 3 | $ 460,000 | $ 153,333 | $ 77,000 |
| Mesa, Colorado | 3 | $ 389,000 | $ 129,666 | $ 40,000 |
| Broward, Florida | 3 | $ 928,000 | $ 309,333 | $ 84,000 |
| Leon, Florida | 3 | $ 593,000 | $ 197,666 | $ 75,000 |
| Osceola, Florida | 3 | $ 529,000 | $ 176,333 | $ 51,000 |
| Pasco, Florida | 3 | $ 610,000 | $ 203,333 | $ 72,000 |
| Pinellas, Florida | 3 | $ 487,000 | $ 162,333 | $ 54,000 |
| Polk, Florida | 3 | $ 302,000 | $ 100,666 | $ 38,000 |
| Cook, Illinois | 3 | $ 580,000 | $ 193,333 | $ 49,000 |
| Marion, Indiana | 3 | $ 312,000 | $ 104,000 | $ 54,000 |
| Queen Anne's, Maryland | 3 | $ 648,000 | $ 216,000 | $ 116,000 |
| Wicomico, Maryland | 3 | $ 653,000 | $ 217,666 | $ 67,000 |
| Ocean, New Jersey | 3 | $ 449,000 | $ 149,666 | $ 78,000 |
| Greenville, South Carolina | 3 | $ 295,000 | $ 98,333 | $ 21,000 |
| Davidson, Tennessee | 3 | $ 458,000 | $ 152,666 | $ 44,000 |
| Fort Bend, Texas | 3 | $ 296,000 | $ 98,666 | $ 68,000 |
| Tarrant, Texas | 3 | $ 232,000 | $ 77,333 | $ 84,000 |
| Hanover, Virginia | 3 | $ 871,000 | $ 290,333 | $ 110,000 |
| Arapahoe, Colorado | 2 | $ 447,000 | $ 223,500 | $ 112,000 |
| Kent, Delaware | 2 | $ 340,000 | $ 170,000 | $ 85,000 |
| Sussex, Delaware | 2 | $ 200,000 | $ 100,000 | $ 55,000 |
| Charlotte, Florida | 2 | $ 189,000 | $ 94,500 | $ 56,000 |
| Escambia, Florida | 2 | $ 273,000 | $ 136,500 | $ 39,000 |
| Indian River, Florida | 2 | $ 325,000 | $ 162,500 | $ 258,000 |
| Miami-Dade, Florida | 2 | $ 410,000 | $ 205,000 | $ 106,000 |
| Seminole, Florida | 2 | $ 648,000 | $ 324,000 | $ 87,000 |
| St. Johns, Florida | 2 | $ 441,000 | $ 220,500 | $ 83,000 |
| Calvert, Maryland | 2 | $ 451,000 | $ 225,500 | $ 68,000 |
| Caroline, Maryland | 2 | $ 538,000 | $ 269,000 | $ 83,000 |
| Dorchester, Maryland | 2 | $ 283,000 | $ 141,500 | $ 61,000 |
| Somerset, Maryland | 2 | $ 367,000 | $ 183,500 | $ 58,000 |
| Essex, New Jersey | 2 | $ 426,000 | $ 213,000 | $ 66,000 |
| Mercer, New Jersey | 2 | $ 459,000 | $ 229,500 | $ 73,000 |
| Middlesex, New Jersey | 2 | $ 443,000 | $ 221,500 | $ 83,000 |
| Somerset, New Jersey | 2 | $ 490,000 | $ 245,000 | $ 80,000 |
| Union, New Jersey | 2 | $ 436,000 | $ 218,000 | $ 77,000 |
| Warren, New Jersey | 2 | $ 518,000 | $ 259,000 | $ 98,000 |
| Cuyahoga, Ohio | 2 | $ 256,000 | $ 128,000 | $ 35,000 |
| Adams, Pennsylvania | 2 | $ 439,000 | $ 219,500 | $ 76,000 |
| Beaver, Pennsylvania | 2 | $ 433,000 | $ 216,500 | $ 52,000 |
| Erie, Pennsylvania | 2 | $ 330,000 | $ 165,000 | $ 136,000 |
| Mercer, Pennsylvania | 2 | $ 190,000 | $ 95,000 | $ 46,000 |
| Westmoreland, Pennsylvania | 2 | $ 344,000 | $ 172,000 | $ 76,000 |
| Shelby, Tennessee | 2 | $ 121,000 | $ 60,500 | $ 32,000 |
| Caroline, Virginia | 2 | $ 390,000 | $ 195,000 | $ 95,000 |
| Halifax, Virginia | 2 | $ 296,000 | $ 148,000 | $ 58,000 |
| Manassas, Virginia | 2 | $ 553,000 | $ 276,500 | $ 60,000 |
| Orange, Virginia | 2 | $ 224,000 | $ 112,000 | $ 34,000 |
| Contra Costa, California | 1 | $ 360,000 | $ 360,000 | $ 108,000 |
| Kern, California | 1 | $ 240,000 | $ 240,000 | $ 145,000 |
| Kings, California | 1 | $ 172,000 | $ 172,000 | $ 0 |
| Los Angeles, California | 1 | $ 355,000 | $ 355,000 | $ 94,000 |
| Monterey, California | 1 | $ 353,000 | $ 353,000 | $ 96,000 |
| Orange, California | 1 | $ 372,000 | $ 372,000 | $ 0 |
| Sacramento, California | 1 | $ 245,000 | $ 245,000 | $ 54,000 |
| San Diego, California | 1 | $ 198,000 | $ 198,000 | $ 100,000 |
| San Francisco, California | 1 | $ 320,000 | $ 320,000 | $ 0 |
| San Joaquin, California | 1 | $ 326,000 | $ 326,000 | $ 67,000 |
| Shasta, California | 1 | $ 144,000 | $ 144,000 | $ 51,000 |
| Tuolumne, California | 1 | $ 283,000 | $ 283,000 | $ 61,000 |
| Ventura, California | 1 | $ 342,000 | $ 342,000 | $ 79,000 |
| Adams, Colorado | 1 | $ 289,000 | $ 289,000 | $ 66,000 |
| Brevard, Florida | 1 | $ 198,000 | $ 198,000 | $ 60,000 |
| Clay, Florida | 1 | $ 299,000 | $ 299,000 | $ 145,000 |
| Hernando, Florida | 1 | $ 91,000 | $ 91,000 | $ 37,000 |
| Highlands, Florida | 1 | $ 173,000 | $ 173,000 | $ 64,000 |
| Lake, Florida | 1 | $ 204,000 | $ 204,000 | $ 76,000 |
| Sarasota, Florida | 1 | $ 257,000 | $ 257,000 | $ 64,000 |
| St. Lucie, Florida | 1 | $ 225,000 | $ 225,000 | $ 48,000 |
| Wakulla, Florida | 1 | $ 118,000 | $ 118,000 | $ 98,000 |
| Clark, Indiana | 1 | $ 111,000 | $ 111,000 | $ 73,000 |
| Lake, Indiana | 1 | $ 82,000 | $ 82,000 | $ 54,000 |
| Jefferson, Kentucky | 1 | $ 174,000 | $ 174,000 | $ 97,000 |
| Kenton, Kentucky | 1 | $ 147,000 | $ 147,000 | $ 71,000 |
| Essex, Massachusetts | 1 | $ 167,000 | $ 167,000 | $ 48,000 |
| Worcester, Massachusetts | 1 | $ 146,000 | $ 146,000 | $ 48,000 |
| Jackson, Missouri | 1 | $ 149,000 | $ 149,000 | $ 119,000 |
| St. Louis, Missouri | 1 | $ 143,000 | $ 143,000 | $ 86,000 |
| Cape May, New Jersey | 1 | $ 201,000 | $ 201,000 | $ 69,000 |
| Morris, New Jersey | 1 | $ 270,000 | $ 270,000 | $ 154,000 |
| Sussex, New Jersey | 1 | $ 289,000 | $ 289,000 | $ 91,000 |
| Richmond, New York | 1 | $ 81,000 | $ 81,000 | $ 130,000 |
| Suffolk, New York | 1 | $ 323,000 | $ 323,000 | $ 133,000 |
| Belmont, Ohio | 1 | $ 112,000 | $ 112,000 | $ 41,000 |
| Delaware, Ohio | 1 | $ 234,000 | $ 234,000 | $ 100,000 |
| Greene, Ohio | 1 | $ 102,000 | $ 102,000 | $ 44,000 |
| Jefferson, Ohio | 1 | $ 89,000 | $ 89,000 | $ 46,000 |
| Montgomery, Ohio | 1 | $ 137,000 | $ 137,000 | $ 71,000 |
| Summit, Ohio | 1 | $ 105,000 | $ 105,000 | $ 26,000 |
| Trumbull, Ohio | 1 | $ 79,000 | $ 79,000 | $ 40,000 |
| Butler, Pennsylvania | 1 | $ 77,000 | $ 77,000 | $ 21,000 |
| Cumberland, Pennsylvania | 1 | $ 135,000 | $ 135,000 | $ 33,000 |
| Somerset, Pennsylvania | 1 | $ 112,000 | $ 112,000 | $ 28,000 |
| Colleton, South Carolina | 1 | $ 149,000 | $ 149,000 | $ 54,000 |
| Dorchester, South Carolina | 1 | $ 128,000 | $ 128,000 | $ 60,000 |
| Orangeburg, South Carolina | 1 | $ 113,000 | $ 113,000 | $ 30,000 |
| Hamilton, Tennessee | 1 | $ 158,000 | $ 158,000 | $ 61,000 |
| Knox, Tennessee | 1 | $ 117,000 | $ 117,000 | $ 44,000 |
| Tipton, Tennessee | 1 | $ 135,000 | $ 135,000 | $ 84,000 |
| Bexar, Texas | 1 | $ 170,000 | $ 170,000 | $ 43,000 |
| Cameron, Texas | 1 | $ 150,000 | $ 150,000 | $ 53,000 |
| Comal, Texas | 1 | $ 159,000 | $ 159,000 | $ 70,000 |
| Dallas, Texas | 1 | $ 141,000 | $ 141,000 | $ 42,000 |
| Randall, Texas | 1 | $ 170,000 | $ 170,000 | $ 72,000 |
| Alexandria, Virginia | 1 | $ 375,000 | $ 375,000 | $ 131,000 |
| Arlington, Virginia | 1 | $ 165,000 | $ 165,000 | $ 48,000 |
| Bedford, Virginia | 1 | $ 91,000 | $ 91,000 | $ 38,000 |
| Covington, Virginia | 1 | $ 70,000 | $ 70,000 | $ 44,000 |
| Frederick, Virginia | 1 | $ 188,000 | $ 188,000 | $ 86,000 |
| Fredericksburg, Virginia | 1 | $ 200,000 | $ 200,000 | $ 60,000 |
| Roanoke City, Virginia | 1 | $ 63,000 | $ 63,000 | $ 23,000 |
Mortgage Loan Application Detail Totals for USA Home Loans Inc 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 | 1,012 | $212,231,000 | $209,000 | $1,658,000 | $75,000 | $1,813,000 |
| Home Purchase | 203 | $37,728,000 | $185,000 | $571,000 | $106,000 | $5,734,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not Provided | 1,031 | $212,678,000 | $206,000 | $1,658,000 | $82,000 | $5,734,000 |
| Hispanic | 74 | $14,875,000 | $201,000 | $433,000 | $66,000 | $145,000 |
| White | 56 | $10,463,000 | $186,000 | $438,000 | $70,000 | $146,000 |
| Black or African American | 50 | $10,942,000 | $218,000 | $500,000 | $75,000 | $144,000 |
| Asian | 3 | $847,000 | $282,000 | $385,000 | $57,000 | $84,000 |
| American Indian or Alaskan Native | 1 | $154,000 | $154,000 | $154,000 | $57,000 | $57,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $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) | 681 | $134,090,000 | $196,000 | $368,000 | $76,000 | $5,734,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 531 | $114,763,000 | $216,000 | $1,658,000 | $86,000 | $1,813,000 |
| VA-guaranteed (Veterans Administration) | 2 | $928,000 | $464,000 | $596,000 | $142,000 | $194,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $178,000 | $178,000 | $178,000 | $69,000 | $69,000 |
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 | 901 | $185,642,000 | $206,000 | $849,000 | $82,000 | $5,734,000 |
| Application Withdrawn By Applicant | 222 | $47,063,000 | $211,000 | $1,658,000 | $80,000 | $1,813,000 |
| Application Denied By Financial Institution | 75 | $13,890,000 | $185,000 | $479,000 | $65,000 | $242,000 |
| File Closed For Incompleteness | 17 | $3,364,000 | $197,000 | $304,000 | $69,000 | $160,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Collateral | 12 | $2,202,000 | $183,000 | $421,000 | $59,000 | $100,000 |
| Credit History | 10 | $1,767,000 | $176,000 | $323,000 | $64,000 | $105,000 |
| Debt-To-Income Ratio | 7 | $1,293,000 | $184,000 | $298,000 | $44,000 | $65,000 |
| Other | 6 | $816,000 | $136,000 | $190,000 | $54,000 | $109,000 |
| Unverifiable Information | 5 | $831,000 | $166,000 | $479,000 | $102,000 | $242,000 |
| Credit Application Incomplete | 2 | $567,000 | $283,000 | $347,000 | $79,000 | $103,000 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into USA Home Loans Inc'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 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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