USA Home Loans Inc Mortgage Lending & HMDA Data, 2005
In 2005, USA Home Loans Inc of Towson, MD reported 1,242 mortgage applications totaling $204.8 million. The average application was for $164,885, and applicants reported an average income of $50,149. 74% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Baltimore-Towson, MD (411), Philadelphia, PA (58) and Virginia Beach-Norfolk-Newport News, VA-NC (39) (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 | 1,242 |
| Total Mortgage Loan Application Amount | $204,788,000 |
| Average Mortgage Loan Application Amount | $164,885 |
| Highest Mortgage Loan Application Amount | $879,000 |
| Average Applicant Income | $50,149 |
| Highest Applicant Income | $454,000 |
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Act (HMDA) records USA Home Loans Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Baltimore-Towson, MD | 411 | $ 70,185,000 | $ 170,766 | $ 62,000 |
| Philadelphia, PA | 58 | $ 9,201,000 | $ 158,637 | $ 57,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 39 | $ 6,604,000 | $ 169,333 | $ 43,000 |
| Richmond, VA | 38 | $ 5,106,000 | $ 134,368 | $ 39,000 |
| Bethesda-Frederick-Gaithersburg, MD | 37 | $ 7,241,000 | $ 195,702 | $ 58,000 |
| Chicago-Naperville-Joliet, IL | 27 | $ 4,386,000 | $ 162,444 | $ 48,000 |
| Houston-Baytown-Sugar Land, TX | 21 | $ 2,215,000 | $ 105,476 | $ 0 |
| Dallas-Plano-Irving, TX | 18 | $ 2,146,000 | $ 119,222 | $ 0 |
| Los Angeles-Long Beach-Glendale, CA | 15 | $ 3,811,000 | $ 254,066 | $ 82,000 |
| Cleveland-Elyria-Mentor, OH | 14 | $ 1,696,000 | $ 121,142 | $ 25,000 |
| Columbus, OH | 14 | $ 1,886,000 | $ 134,714 | $ 38,000 |
| Fort Worth-Arlington, TX | 14 | $ 1,556,000 | $ 111,142 | $ 0 |
| Lancaster, PA | 14 | $ 1,704,000 | $ 121,714 | $ 51,000 |
| Riverside-San Bernardino-Ontario, CA | 14 | $ 2,571,000 | $ 183,642 | $ 40,000 |
| Hagerstown-Martinsburg, MD-WV | 13 | $ 2,284,000 | $ 175,692 | $ 69,000 |
| Bakersfield, CA | 11 | $ 1,822,000 | $ 165,636 | $ 60,000 |
| York-Hanover, PA | 11 | $ 1,674,000 | $ 152,181 | $ 39,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 9 | $ 1,330,000 | $ 147,777 | $ 45,000 |
| Austin-Round Rock, TX | 9 | $ 1,069,000 | $ 118,777 | $ 0 |
| Birmingham-Hoover, AL | 9 | $ 1,015,000 | $ 112,777 | $ 19,000 |
| Pittsburgh, PA | 9 | $ 1,105,000 | $ 122,777 | $ 33,000 |
| Reading, PA | 9 | $ 1,389,000 | $ 154,333 | $ 31,000 |
| Wilmington, DE-MD-NJ | 9 | $ 1,335,000 | $ 148,333 | $ 36,000 |
| Columbia, SC | 8 | $ 863,000 | $ 107,875 | $ 25,000 |
| Harrisburg-Carlisle, PA | 8 | $ 933,000 | $ 116,625 | $ 22,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 8 | $ 1,712,000 | $ 214,000 | $ 50,000 |
| Indianapolis, IN | 7 | $ 812,000 | $ 116,000 | $ 30,000 |
| Nashville-Davidson--Murfreesboro, TN | 6 | $ 617,000 | $ 102,833 | $ 0 |
| Chattanooga, TN-GA | 5 | $ 540,000 | $ 108,000 | $ 22,000 |
| Cincinnati-Middletown, OH-KY-IN | 5 | $ 639,000 | $ 127,800 | $ 14,000 |
| Dayton, OH | 5 | $ 441,000 | $ 88,200 | $ 0 |
| Memphis, TN-MS-AR | 5 | $ 637,000 | $ 127,400 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 5 | $ 876,000 | $ 175,200 | $ 51,000 |
| Salisbury, MD | 5 | $ 546,000 | $ 109,200 | $ 47,000 |
| Greenville, SC | 4 | $ 511,000 | $ 127,750 | $ 0 |
| Jacksonville, FL | 4 | $ 600,000 | $ 150,000 | $ 33,000 |
| Lake County-Kenosha County, IL-WI | 4 | $ 564,000 | $ 141,000 | $ 63,000 |
| Madera, CA | 4 | $ 828,000 | $ 207,000 | $ 86,000 |
| Orlando, FL | 4 | $ 620,000 | $ 155,000 | $ 31,000 |
| Roanoke, VA | 4 | $ 622,000 | $ 155,500 | $ 28,000 |
| Rockford, IL | 4 | $ 414,000 | $ 103,500 | $ 12,000 |
| San Antonio, TX | 4 | $ 423,000 | $ 105,750 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 4 | $ 569,000 | $ 142,250 | $ 24,000 |
| Toledo, OH | 4 | $ 455,000 | $ 113,750 | $ 22,000 |
| Denver-Aurora, CO | 3 | $ 516,000 | $ 172,000 | $ 20,000 |
| Knoxville, TN | 3 | $ 329,000 | $ 109,666 | $ 27,000 |
| Montgomery, AL | 3 | $ 305,000 | $ 101,666 | $ 0 |
| Oakland-Fremont-Hayward, CA | 3 | $ 733,000 | $ 244,333 | $ 68,000 |
| Visalia-Porterville, CA | 3 | $ 393,000 | $ 131,000 | $ 75,000 |
| Youngstown-Warren-Boardman, OH-PA | 3 | $ 316,000 | $ 105,333 | $ 0 |
| El Paso, TX | 2 | $ 238,000 | $ 119,000 | $ 33,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 304,000 | $ 152,000 | $ 0 |
| Fresno, CA | 2 | $ 483,000 | $ 241,500 | $ 43,000 |
| Hanford-Corcoran, CA | 2 | $ 450,000 | $ 225,000 | $ 65,000 |
| Merced, CA | 2 | $ 369,000 | $ 184,500 | $ 47,000 |
| Sarasota-Bradenton-Venice, FL | 2 | $ 152,000 | $ 76,000 | $ 12,000 |
| St. Louis, MO-IL | 2 | $ 207,000 | $ 103,500 | $ 15,000 |
| Williamsport, PA | 2 | $ 216,000 | $ 108,000 | $ 38,000 |
| Amarillo, TX | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Canton-Massillon, OH | 1 | $ 97,000 | $ 97,000 | $ 0 |
| Cape Coral-Fort Myers, FL | 1 | $ 221,000 | $ 221,000 | $ 70,000 |
| Colorado Springs, CO | 1 | $ 198,000 | $ 198,000 | $ 71,000 |
| Corpus Christi, TX | 1 | $ 122,000 | $ 122,000 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 146,000 | $ 146,000 | $ 0 |
| Greeley, CO | 1 | $ 176,000 | $ 176,000 | $ 0 |
| Kansas City, MO-KS | 1 | $ 148,000 | $ 148,000 | $ 87,000 |
| Lakeland, FL | 1 | $ 238,000 | $ 238,000 | $ 55,000 |
| Louisville, KY-IN | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Mobile, AL | 1 | $ 128,000 | $ 128,000 | $ 31,000 |
| Modesto, CA | 1 | $ 226,000 | $ 226,000 | $ 65,000 |
| Napa, CA | 1 | $ 396,000 | $ 396,000 | $ 96,000 |
| Naples-Marco Island, FL | 1 | $ 272,000 | $ 272,000 | $ 50,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 156,000 | $ 156,000 | $ 44,000 |
| Port St. Lucie-Fort Pierce, FL | 1 | $ 155,000 | $ 155,000 | $ 61,000 |
| Punta Gorda, FL | 1 | $ 195,000 | $ 195,000 | $ 83,000 |
| Redding, CA | 1 | $ 197,000 | $ 197,000 | $ 46,000 |
| Springfield, OH | 1 | $ 88,000 | $ 88,000 | $ 0 |
| Stockton, CA | 1 | $ 259,000 | $ 259,000 | $ 108,000 |
| Tallahassee, FL | 1 | $ 76,000 | $ 76,000 | $ 46,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 308,000 | $ 308,000 | $ 74,000 |
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.
For a list of all lenders in Maryland, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About