Usa Home Loans Inc 2006 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 | 1,215 |
| Total Mortgage Loan Application Amount | $249,959,000 |
| Average Mortgage Loan Application Amount | $197,000 |
| Highest Mortgage Loan Application Amount | $1,658,000 |
| Average Applicant Income | $90,500 |
| Highest Applicant Income | $5,734,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2006 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 2006 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 2006.
| 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 | 151 | $ 27,820,000 | $ 184,000 | $ 68,000 |
| Harford County Maryland | 130 | $ 29,638,000 | $ 227,000 | $ 159,000 |
| Prince George's County Maryland | 125 | $ 32,935,000 | $ 263,000 | $ 89,000 |
| Baltimore City County Maryland | 113 | $ 16,096,000 | $ 142,000 | $ 52,000 |
| District of Columbia County District Of Columbia | 33 | $ 9,977,000 | $ 302,000 | $ 84,000 |
| Anne Arundel County Maryland | 30 | $ 6,944,000 | $ 231,000 | $ 75,000 |
| Montgomery County Maryland | 26 | $ 7,391,000 | $ 284,000 | $ 95,000 |
| Charles County Maryland | 18 | $ 4,824,000 | $ 268,000 | $ 82,000 |
| Philadelphia County Pennsylvania | 18 | $ 3,205,000 | $ 178,000 | $ 68,000 |
| Jefferson County Alabama | 17 | $ 2,364,000 | $ 139,000 | $ 56,000 |
| York County Pennsylvania | 16 | $ 2,638,000 | $ 164,000 | $ 59,000 |
| Delaware County Pennsylvania | 15 | $ 2,831,000 | $ 188,000 | $ 78,000 |
| Virginia Beach County Virginia | 15 | $ 3,196,000 | $ 213,000 | $ 66,000 |
| Bucks County Pennsylvania | 14 | $ 2,949,000 | $ 210,000 | $ 78,000 |
| Montgomery County Pennsylvania | 14 | $ 3,333,000 | $ 238,000 | $ 75,000 |
| Chesterfield County Virginia | 14 | $ 2,517,000 | $ 179,000 | $ 55,000 |
| Lancaster County Pennsylvania | 12 | $ 1,970,000 | $ 164,000 | $ 67,000 |
| Lehigh County Pennsylvania | 12 | $ 2,253,000 | $ 187,000 | $ 79,000 |
| Suffolk County Virginia | 12 | $ 2,336,000 | $ 194,000 | $ 65,000 |
| Howard County Maryland | 11 | $ 2,675,000 | $ 243,000 | $ 77,000 |
| Washington County Maryland | 11 | $ 2,071,000 | $ 188,000 | $ 74,000 |
| Orange County Florida | 9 | $ 1,583,000 | $ 175,000 | $ 63,000 |
| St. Mary's County Maryland | 9 | $ 2,353,000 | $ 261,000 | $ 72,000 |
| Burlington County New Jersey | 9 | $ 1,566,000 | $ 174,000 | $ 66,000 |
| San Bernardino County California | 8 | $ 1,695,000 | $ 211,000 | $ 66,000 |
| New Castle County Delaware | 8 | $ 1,387,000 | $ 173,000 | $ 66,000 |
| Cecil County Maryland | 8 | $ 1,553,000 | $ 194,000 | $ 68,000 |
| Northampton County Pennsylvania | 8 | $ 1,501,000 | $ 187,000 | $ 78,000 |
| Chesapeake County Virginia | 8 | $ 2,239,000 | $ 279,000 | $ 90,000 |
| Fairfax County Virginia | 8 | $ 2,261,000 | $ 282,000 | $ 60,000 |
| Hampton County Virginia | 8 | $ 1,428,000 | $ 178,000 | $ 59,000 |
| Henrico County Virginia | 8 | $ 1,609,000 | $ 201,000 | $ 68,000 |
| Norfolk County Virginia | 8 | $ 1,263,000 | $ 157,000 | $ 54,000 |
| Prince William County Virginia | 8 | $ 2,266,000 | $ 283,000 | $ 63,000 |
| Spotsylvania County Virginia | 8 | $ 2,355,000 | $ 294,000 | $ 86,000 |
| Gloucester County New Jersey | 7 | $ 1,247,000 | $ 178,000 | $ 72,000 |
| Chester County Pennsylvania | 7 | $ 1,668,000 | $ 238,000 | $ 88,000 |
| Dauphin County Pennsylvania | 7 | $ 949,000 | $ 135,000 | $ 58,000 |
| Hillsborough County Florida | 6 | $ 825,000 | $ 137,000 | $ 56,000 |
| Camden County New Jersey | 6 | $ 1,011,000 | $ 168,000 | $ 57,000 |
| Monmouth County New Jersey | 6 | $ 1,476,000 | $ 246,000 | $ 81,000 |
| Newport News County Virginia | 6 | $ 1,262,000 | $ 210,000 | $ 62,000 |
| Riverside County California | 5 | $ 890,000 | $ 178,000 | $ 56,000 |
| Duval County Florida | 5 | $ 930,000 | $ 186,000 | $ 70,000 |
| Manatee County Florida | 5 | $ 858,000 | $ 171,000 | $ 59,000 |
| Frederick County Maryland | 5 | $ 1,622,000 | $ 324,000 | $ 94,000 |
| Worcester County Maryland | 5 | $ 448,000 | $ 89,000 | $ 78,000 |
| Berks County Pennsylvania | 5 | $ 1,028,000 | $ 205,000 | $ 75,000 |
| Monroe County Pennsylvania | 5 | $ 942,000 | $ 188,000 | $ 72,000 |
| Portsmouth County Virginia | 5 | $ 1,160,000 | $ 232,000 | $ 73,000 |
| Mobile County Alabama | 4 | $ 542,000 | $ 135,000 | $ 59,000 |
| Carroll County Maryland | 4 | $ 992,000 | $ 248,000 | $ 74,000 |
| Allegheny County Pennsylvania | 4 | $ 690,000 | $ 172,000 | $ 81,000 |
| Harris County Texas | 4 | $ 613,000 | $ 153,000 | $ 73,000 |
| Loudoun County Virginia | 4 | $ 1,315,000 | $ 328,000 | $ 92,000 |
| Stafford County Virginia | 4 | $ 1,290,000 | $ 322,000 | $ 71,000 |
| Montgomery County Alabama | 3 | $ 323,000 | $ 107,000 | $ 62,000 |
| Shelby County Alabama | 3 | $ 460,000 | $ 153,000 | $ 77,000 |
| Mesa County Colorado | 3 | $ 389,000 | $ 129,000 | $ 40,000 |
| Broward County Florida | 3 | $ 928,000 | $ 309,000 | $ 84,000 |
| Leon County Florida | 3 | $ 593,000 | $ 197,000 | $ 75,000 |
| Osceola County Florida | 3 | $ 529,000 | $ 176,000 | $ 51,000 |
| Pasco County Florida | 3 | $ 610,000 | $ 203,000 | $ 72,000 |
| Pinellas County Florida | 3 | $ 487,000 | $ 162,000 | $ 54,000 |
| Polk County Florida | 3 | $ 302,000 | $ 100,000 | $ 38,000 |
| Cook County Illinois | 3 | $ 580,000 | $ 193,000 | $ 49,000 |
| Marion County Indiana | 3 | $ 312,000 | $ 104,000 | $ 54,000 |
| Queen Anne's County Maryland | 3 | $ 648,000 | $ 216,000 | $ 116,000 |
| Wicomico County Maryland | 3 | $ 653,000 | $ 217,000 | $ 67,000 |
| Ocean County New Jersey | 3 | $ 449,000 | $ 149,000 | $ 78,000 |
| Greenville County South Carolina | 3 | $ 295,000 | $ 98,000 | $ 21,000 |
| Davidson County Tennessee | 3 | $ 458,000 | $ 152,000 | $ 44,000 |
| Fort Bend County Texas | 3 | $ 296,000 | $ 98,000 | $ 68,000 |
| Tarrant County Texas | 3 | $ 232,000 | $ 77,000 | $ 84,000 |
| Hanover County Virginia | 3 | $ 871,000 | $ 290,000 | $ 110,000 |
| Arapahoe County Colorado | 2 | $ 447,000 | $ 223,000 | $ 112,000 |
| Kent County Delaware | 2 | $ 340,000 | $ 170,000 | $ 85,000 |
| Sussex County Delaware | 2 | $ 200,000 | $ 100,000 | $ 55,000 |
| Charlotte County Florida | 2 | $ 189,000 | $ 94,000 | $ 56,000 |
| Escambia County Florida | 2 | $ 273,000 | $ 136,000 | $ 39,000 |
| Indian River County Florida | 2 | $ 325,000 | $ 162,000 | $ 258,000 |
| Miami-Dade County Florida | 2 | $ 410,000 | $ 205,000 | $ 106,000 |
| Seminole County Florida | 2 | $ 648,000 | $ 324,000 | $ 87,000 |
| St. Johns County Florida | 2 | $ 441,000 | $ 220,000 | $ 83,000 |
| Calvert County Maryland | 2 | $ 451,000 | $ 225,000 | $ 68,000 |
| Caroline County Maryland | 2 | $ 538,000 | $ 269,000 | $ 83,000 |
| Dorchester County Maryland | 2 | $ 283,000 | $ 141,000 | $ 61,000 |
| Somerset County Maryland | 2 | $ 367,000 | $ 183,000 | $ 58,000 |
| Essex County New Jersey | 2 | $ 426,000 | $ 213,000 | $ 66,000 |
| Mercer County New Jersey | 2 | $ 459,000 | $ 229,000 | $ 73,000 |
| Middlesex County New Jersey | 2 | $ 443,000 | $ 221,000 | $ 83,000 |
| Somerset County New Jersey | 2 | $ 490,000 | $ 245,000 | $ 80,000 |
| Union County New Jersey | 2 | $ 436,000 | $ 218,000 | $ 77,000 |
| Warren County New Jersey | 2 | $ 518,000 | $ 259,000 | $ 98,000 |
| Cuyahoga County Ohio | 2 | $ 256,000 | $ 128,000 | $ 35,000 |
| Adams County Pennsylvania | 2 | $ 439,000 | $ 219,000 | $ 76,000 |
| Beaver County Pennsylvania | 2 | $ 433,000 | $ 216,000 | $ 52,000 |
| Erie County Pennsylvania | 2 | $ 330,000 | $ 165,000 | $ 136,000 |
| Mercer County Pennsylvania | 2 | $ 190,000 | $ 95,000 | $ 46,000 |
| Westmoreland County Pennsylvania | 2 | $ 344,000 | $ 172,000 | $ 76,000 |
| Shelby County Tennessee | 2 | $ 121,000 | $ 60,000 | $ 32,000 |
| Caroline County Virginia | 2 | $ 390,000 | $ 195,000 | $ 95,000 |
| Halifax County Virginia | 2 | $ 296,000 | $ 148,000 | $ 58,000 |
| Manassas County Virginia | 2 | $ 553,000 | $ 276,000 | $ 60,000 |
| Orange County Virginia | 2 | $ 224,000 | $ 112,000 | $ 34,000 |
| Contra Costa County California | 1 | $ 360,000 | $ 360,000 | $ 108,000 |
| Kern County California | 1 | $ 240,000 | $ 240,000 | $ 145,000 |
| Kings County California | 1 | $ 172,000 | $ 172,000 | $ 0 |
| Los Angeles County California | 1 | $ 355,000 | $ 355,000 | $ 94,000 |
| Monterey County California | 1 | $ 353,000 | $ 353,000 | $ 96,000 |
| Orange County California | 1 | $ 372,000 | $ 372,000 | $ 0 |
| Sacramento County California | 1 | $ 245,000 | $ 245,000 | $ 54,000 |
| San Diego County California | 1 | $ 198,000 | $ 198,000 | $ 100,000 |
| San Francisco County California | 1 | $ 320,000 | $ 320,000 | $ 0 |
| San Joaquin County California | 1 | $ 326,000 | $ 326,000 | $ 67,000 |
| Shasta County California | 1 | $ 144,000 | $ 144,000 | $ 51,000 |
| Tuolumne County California | 1 | $ 283,000 | $ 283,000 | $ 61,000 |
| Ventura County California | 1 | $ 342,000 | $ 342,000 | $ 79,000 |
| Adams County Colorado | 1 | $ 289,000 | $ 289,000 | $ 66,000 |
| Brevard County Florida | 1 | $ 198,000 | $ 198,000 | $ 60,000 |
| Clay County Florida | 1 | $ 299,000 | $ 299,000 | $ 145,000 |
| Hernando County Florida | 1 | $ 91,000 | $ 91,000 | $ 37,000 |
| Highlands County Florida | 1 | $ 173,000 | $ 173,000 | $ 64,000 |
| Lake County Florida | 1 | $ 204,000 | $ 204,000 | $ 76,000 |
| Sarasota County Florida | 1 | $ 257,000 | $ 257,000 | $ 64,000 |
| St. Lucie County Florida | 1 | $ 225,000 | $ 225,000 | $ 48,000 |
| Wakulla County Florida | 1 | $ 118,000 | $ 118,000 | $ 98,000 |
| Clark County Indiana | 1 | $ 111,000 | $ 111,000 | $ 73,000 |
| Lake County Indiana | 1 | $ 82,000 | $ 82,000 | $ 54,000 |
| Jefferson County Kentucky | 1 | $ 174,000 | $ 174,000 | $ 97,000 |
| Kenton County Kentucky | 1 | $ 147,000 | $ 147,000 | $ 71,000 |
| Essex County Massachusetts | 1 | $ 167,000 | $ 167,000 | $ 48,000 |
| Worcester County Massachusetts | 1 | $ 146,000 | $ 146,000 | $ 48,000 |
| Jackson County Missouri | 1 | $ 149,000 | $ 149,000 | $ 119,000 |
| St. Louis County Missouri | 1 | $ 143,000 | $ 143,000 | $ 86,000 |
| Cape May County New Jersey | 1 | $ 201,000 | $ 201,000 | $ 69,000 |
| Morris County New Jersey | 1 | $ 270,000 | $ 270,000 | $ 154,000 |
| Sussex County New Jersey | 1 | $ 289,000 | $ 289,000 | $ 91,000 |
| Richmond County New York | 1 | $ 81,000 | $ 81,000 | $ 130,000 |
| Suffolk County New York | 1 | $ 323,000 | $ 323,000 | $ 133,000 |
| Belmont County Ohio | 1 | $ 112,000 | $ 112,000 | $ 41,000 |
| Delaware County Ohio | 1 | $ 234,000 | $ 234,000 | $ 100,000 |
| Greene County Ohio | 1 | $ 102,000 | $ 102,000 | $ 44,000 |
| Jefferson County Ohio | 1 | $ 89,000 | $ 89,000 | $ 46,000 |
| Montgomery County Ohio | 1 | $ 137,000 | $ 137,000 | $ 71,000 |
| Summit County Ohio | 1 | $ 105,000 | $ 105,000 | $ 26,000 |
| Trumbull County Ohio | 1 | $ 79,000 | $ 79,000 | $ 40,000 |
| Butler County Pennsylvania | 1 | $ 77,000 | $ 77,000 | $ 21,000 |
| Cumberland County Pennsylvania | 1 | $ 135,000 | $ 135,000 | $ 33,000 |
| Somerset County Pennsylvania | 1 | $ 112,000 | $ 112,000 | $ 28,000 |
| Colleton County South Carolina | 1 | $ 149,000 | $ 149,000 | $ 54,000 |
| Dorchester County South Carolina | 1 | $ 128,000 | $ 128,000 | $ 60,000 |
| Orangeburg County South Carolina | 1 | $ 113,000 | $ 113,000 | $ 30,000 |
| Hamilton County Tennessee | 1 | $ 158,000 | $ 158,000 | $ 61,000 |
| Knox County Tennessee | 1 | $ 117,000 | $ 117,000 | $ 44,000 |
| Tipton County Tennessee | 1 | $ 135,000 | $ 135,000 | $ 84,000 |
| Bexar County Texas | 1 | $ 170,000 | $ 170,000 | $ 43,000 |
| Cameron County Texas | 1 | $ 150,000 | $ 150,000 | $ 53,000 |
| Comal County Texas | 1 | $ 159,000 | $ 159,000 | $ 70,000 |
| Dallas County Texas | 1 | $ 141,000 | $ 141,000 | $ 42,000 |
| Randall County Texas | 1 | $ 170,000 | $ 170,000 | $ 72,000 |
| Alexandria County Virginia | 1 | $ 375,000 | $ 375,000 | $ 131,000 |
| Arlington County Virginia | 1 | $ 165,000 | $ 165,000 | $ 48,000 |
| Bedford County Virginia | 1 | $ 91,000 | $ 91,000 | $ 38,000 |
| Covington County Virginia | 1 | $ 70,000 | $ 70,000 | $ 44,000 |
| Frederick County Virginia | 1 | $ 188,000 | $ 188,000 | $ 86,000 |
| Fredericksburg County Virginia | 1 | $ 200,000 | $ 200,000 | $ 60,000 |
| Roanoke City County Virginia | 1 | $ 63,000 | $ 63,000 | $ 23,000 |
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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with aggregated HMDA statistics today.