Usa Home Loans Inc
HMDA Loan Application Totals
and Mortgage Lending Details
for 2007
Usa Home Loans Inc 2007 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 | 2,427 |
| Total Mortgage Loan Application Amount | $426,556,000 |
| Average Mortgage Loan Application Amount | $171,000 |
| Highest Mortgage Loan Application Amount | $630,000 |
| Average Applicant Income | $63,000 |
| Highest Applicant Income | $1,813,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2007 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 2007 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 2007.
| 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 | 629 | $ 127,575,000 | $ 202,000 | $ 73,000 |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 213 | $ 53,928,000 | $ 263,333 | $ 76,666 |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 95 | $ 17,805,000 | $ 187,000 | $ 59,000 |
| MCALLEN-EDINBURG-MISSION, TX | 58 | $ 6,669,000 | $ 114,000 | $ 55,000 |
| RICHMOND, VA | 51 | $ 8,024,000 | $ 157,000 | $ 59,000 |
| CINCINNATI-MIDDLETOWN, OH-KY-IN | 48 | $ 6,245,000 | $ 142,000 | $ 55,000 |
| WILMINGTON, DE-MD-NJ | 42 | $ 8,695,000 | $ 212,500 | $ 72,500 |
| ST. LOUIS, MO-IL | 41 | $ 5,211,000 | $ 127,000 | $ 46,000 |
| ATLANTA-SANDY SPRINGS-MARIETTA, GA | 38 | $ 6,532,000 | $ 171,000 | $ 65,000 |
| PITTSBURGH, PA | 36 | $ 3,761,000 | $ 104,000 | $ 52,000 |
| DAYTON, OH | 34 | $ 3,817,000 | $ 112,000 | $ 49,000 |
| PHILADELPHIA, PA | 34 | $ 6,041,000 | $ 177,000 | $ 67,000 |
| COLUMBUS, OH | 30 | $ 3,834,000 | $ 127,000 | $ 51,000 |
| DALLAS-PLANO-IRVING, TX | 26 | $ 3,430,000 | $ 131,000 | $ 59,000 |
| YORK-HANOVER, PA | 26 | $ 5,255,000 | $ 202,000 | $ 76,000 |
| BIRMINGHAM-HOOVER, AL | 25 | $ 3,201,000 | $ 128,000 | $ 53,000 |
| WICHITA FALLS, TX | 24 | $ 2,250,000 | $ 93,000 | $ 45,000 |
| FORT WORTH-ARLINGTON, TX | 23 | $ 2,748,000 | $ 119,000 | $ 56,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 21 | $ 3,660,000 | $ 174,000 | $ 57,000 |
| CLEVELAND-ELYRIA-MENTOR, OH | 18 | $ 2,274,000 | $ 126,000 | $ 50,000 |
| BETHESDA-GAITHERSBURG-FREDERICK, MD | 17 | $ 4,073,000 | $ 239,000 | $ 67,000 |
| ORLANDO-KISSIMMEE, FL | 16 | $ 2,745,000 | $ 171,000 | $ 66,000 |
| BROWNSVILLE-HARLINGEN, TX | 15 | $ 1,782,000 | $ 118,000 | $ 55,000 |
| HOUSTON-SUGAR LAND-BAYTOWN, TX | 15 | $ 2,051,000 | $ 136,000 | $ 72,000 |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA | 15 | $ 1,315,000 | $ 94,000 | $ 36,500 |
| SALISBURY, MD | 14 | $ 2,405,000 | $ 171,000 | $ 64,000 |
| CLARKSVILLE, TN-KY | 13 | $ 1,391,000 | $ 107,000 | $ 54,500 |
| CHARLOTTE-GASTONIA-CONCORD, NC-SC | 12 | $ 2,254,000 | $ 187,000 | $ 70,000 |
| SAN ANTONIO, TX | 12 | $ 1,466,000 | $ 122,000 | $ 58,000 |
| JACKSONVILLE, FL | 11 | $ 1,885,000 | $ 171,000 | $ 60,000 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 11 | $ 2,277,000 | $ 207,000 | $ 73,000 |
| ROANOKE, VA | 11 | $ 1,104,000 | $ 100,000 | $ 35,000 |
| CUMBERLAND, MD-WV | 10 | $ 1,225,000 | $ 122,000 | $ 67,000 |
| GOLDSBORO, NC | 10 | $ 1,246,000 | $ 124,000 | $ 54,000 |
| INDIANAPOLIS-CARMEL, IN | 10 | $ 1,623,000 | $ 162,000 | $ 49,000 |
| CHARLESTON-NORTH CHARLESTON, SC | 9 | $ 1,635,000 | $ 181,000 | $ 70,000 |
| KANSAS CITY, MO-KS | 9 | $ 1,122,000 | $ 124,000 | $ 49,000 |
| PORT ST. LUCIE, FL | 9 | $ 1,607,000 | $ 178,000 | $ 57,000 |
| WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL | 9 | $ 1,923,000 | $ 213,000 | $ 84,000 |
| MEMPHIS, TN-MS-AR | 8 | $ 1,120,000 | $ 140,000 | $ 59,000 |
| PORTLAND-VANCOUVER-BEAVERTON, OR-WA | 8 | $ 1,676,000 | $ 209,000 | $ 74,000 |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ | 7 | $ 1,250,000 | $ 178,000 | $ 65,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 7 | $ 1,464,000 | $ 209,000 | $ 68,000 |
| GREENVILLE-MAULDIN-EASLEY, SC | 7 | $ 854,000 | $ 122,000 | $ 46,000 |
| LAKELAND, FL | 7 | $ 1,011,000 | $ 144,000 | $ 53,000 |
| AKRON, OH | 6 | $ 767,000 | $ 127,000 | $ 55,000 |
| HAGERSTOWN-MARTINSBURG, MD-WV | 6 | $ 1,338,000 | $ 223,000 | $ 65,000 |
| LOUISVILLE-JEFFERSON COUNTY, KY-IN | 6 | $ 880,000 | $ 146,000 | $ 57,000 |
| PENSACOLA-FERRY PASS-BRENT, FL | 6 | $ 927,000 | $ 154,000 | $ 50,000 |
| CAPE CORAL-FORT MYERS, FL | 5 | $ 1,009,000 | $ 201,000 | $ 54,000 |
| DURHAM, NC | 5 | $ 773,000 | $ 154,000 | $ 50,000 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 5 | $ 1,564,000 | $ 312,000 | $ 93,000 |
| RALEIGH-CARY, NC | 5 | $ 771,000 | $ 154,000 | $ 59,000 |
| SARASOTA-BRADENTON-VENICE, FL | 5 | $ 907,000 | $ 181,000 | $ 54,000 |
| SPRINGFIELD, OH | 5 | $ 553,000 | $ 110,000 | $ 41,000 |
| TYLER, TX | 5 | $ 738,000 | $ 147,000 | $ 55,000 |
| WILMINGTON, NC | 5 | $ 916,000 | $ 183,000 | $ 59,000 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 4 | $ 659,000 | $ 164,000 | $ 60,000 |
| DENVER-AURORA, CO | 4 | $ 913,000 | $ 228,000 | $ 77,000 |
| HARRISBURG-CARLISLE, PA | 4 | $ 502,000 | $ 125,000 | $ 59,000 |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 4 | $ 662,000 | $ 165,000 | $ 56,000 |
| OCALA, FL | 4 | $ 583,000 | $ 145,000 | $ 52,000 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 4 | $ 965,000 | $ 241,000 | $ 60,000 |
| SALEM, OR | 4 | $ 660,000 | $ 165,000 | $ 45,000 |
| TALLAHASSEE, FL | 4 | $ 629,000 | $ 157,000 | $ 55,000 |
| TOLEDO, OH | 4 | $ 511,000 | $ 127,000 | $ 51,000 |
| WINSTON-SALEM, NC | 4 | $ 569,000 | $ 142,000 | $ 55,000 |
| ANDERSON, SC | 3 | $ 331,000 | $ 110,000 | $ 32,000 |
| BLACKSBURG-CHRISTIANSBURG-RADFORD, VA | 3 | $ 397,000 | $ 132,000 | $ 63,000 |
| BOWLING GREEN, KY | 3 | $ 263,000 | $ 87,000 | $ 39,000 |
| CANTON-MASSILLON, OH | 3 | $ 324,000 | $ 108,000 | $ 52,000 |
| COLUMBIA, SC | 3 | $ 319,000 | $ 106,000 | $ 56,000 |
| KINGSPORT-BRISTOL-BRISTOL, TN-VA | 3 | $ 328,000 | $ 109,000 | $ 41,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | 3 | $ 364,000 | $ 121,000 | $ 54,000 |
| ASHEVILLE, NC | 2 | $ 293,000 | $ 146,000 | $ 60,000 |
| AUGUSTA-RICHMOND COUNTY, GA-SC | 2 | $ 283,000 | $ 141,000 | $ 53,000 |
| CHARLOTTESVILLE, VA | 2 | $ 255,000 | $ 127,000 | $ 46,000 |
| DOVER, DE | 2 | $ 400,000 | $ 200,000 | $ 60,000 |
| FAYETTEVILLE, NC | 2 | $ 358,000 | $ 179,000 | $ 66,000 |
| FLORENCE, SC | 2 | $ 355,000 | $ 177,000 | $ 85,000 |
| GARY, IN | 2 | $ 308,000 | $ 154,000 | $ 69,000 |
| GREENSBORO-HIGH POINT, NC | 2 | $ 219,000 | $ 109,000 | $ 40,000 |
| GREENVILLE, NC | 2 | $ 200,000 | $ 100,000 | $ 27,000 |
| LEBANON, PA | 2 | $ 333,000 | $ 166,000 | $ 72,000 |
| MIDLAND, TX | 2 | $ 198,000 | $ 99,000 | $ 73,000 |
| MOBILE, AL | 2 | $ 285,000 | $ 142,000 | $ 55,000 |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC | 2 | $ 351,000 | $ 175,000 | $ 71,000 |
| NAPLES-MARCO ISLAND, FL | 2 | $ 379,000 | $ 189,000 | $ 57,000 |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 2 | $ 197,000 | $ 98,000 | $ 38,000 |
| READING, PA | 2 | $ 235,000 | $ 117,000 | $ 50,000 |
| SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA | 2 | $ 748,000 | $ 374,000 | $ 112,000 |
| TUSCALOOSA, AL | 2 | $ 307,000 | $ 153,000 | $ 57,000 |
| WINCHESTER, VA-WV | 2 | $ 458,000 | $ 229,000 | $ 79,000 |
| BAKERSFIELD, CA | 1 | $ 121,000 | $ 121,000 | $ 60,000 |
| BEND, OR | 1 | $ 223,000 | $ 223,000 | $ 69,000 |
| CHICO, CA | 1 | $ 171,000 | $ 171,000 | $ 46,000 |
| COLORADO SPRINGS, CO | 1 | $ 213,000 | $ 213,000 | $ 54,000 |
| COLUMBUS, IN | 1 | $ 172,000 | $ 172,000 | $ 50,000 |
| CORPUS CHRISTI, TX | 1 | $ 85,000 | $ 85,000 | $ 65,000 |
| EL PASO, TX | 1 | $ 174,000 | $ 174,000 | $ 68,000 |
| ELKHART-GOSHEN, IN | 1 | $ 124,000 | $ 124,000 | $ 76,000 |
| ERIE, PA | 1 | $ 58,000 | $ 58,000 | $ 57,000 |
| FORT WAYNE, IN | 1 | $ 115,000 | $ 115,000 | $ 69,000 |
| FRESNO, CA | 1 | $ 255,000 | $ 255,000 | $ 97,000 |
| GAINESVILLE, GA | 1 | $ 139,000 | $ 139,000 | $ 85,000 |
| GRAND JUNCTION, CO | 1 | $ 202,000 | $ 202,000 | $ 54,000 |
| GREELEY, CO | 1 | $ 227,000 | $ 227,000 | $ 141,000 |
| HATTIESBURG, MS | 1 | $ 124,000 | $ 124,000 | $ 64,000 |
| HINESVILLE-FORT STEWART, GA | 1 | $ 94,000 | $ 94,000 | $ 60,000 |
| HUNTINGTON-ASHLAND, WV-KY-OH | 1 | $ 77,000 | $ 77,000 | $ 47,000 |
| JOHNSTOWN, PA | 1 | $ 65,000 | $ 65,000 | $ 24,000 |
| KNOXVILLE, TN | 1 | $ 154,000 | $ 154,000 | $ 59,000 |
| LAFAYETTE, IN | 1 | $ 126,000 | $ 126,000 | $ 58,000 |
| LANCASTER, PA | 1 | $ 207,000 | $ 207,000 | $ 98,000 |
| LAREDO, TX | 1 | $ 97,000 | $ 97,000 | $ 48,000 |
| LONGVIEW, TX | 1 | $ 133,000 | $ 133,000 | $ 57,000 |
| LYNCHBURG, VA | 1 | $ 91,000 | $ 91,000 | $ 34,000 |
| MACON, GA | 1 | $ 164,000 | $ 164,000 | $ 44,000 |
| MANSFIELD, OH | 1 | $ 111,000 | $ 111,000 | $ 44,000 |
| MEDFORD, OR | 1 | $ 171,000 | $ 171,000 | $ 51,000 |
| MONTGOMERY, AL | 1 | $ 170,000 | $ 170,000 | $ 46,000 |
| OAKLAND-FREMONT-HAYWARD, CA | 1 | $ 453,000 | $ 453,000 | $ 106,000 |
| OLYMPIA, WA | 1 | $ 244,000 | $ 244,000 | $ 83,000 |
| PANAMA CITY-LYNN HAVEN, FL | 1 | $ 137,000 | $ 137,000 | $ 44,000 |
| SALT LAKE CITY, UT | 1 | $ 197,000 | $ 197,000 | $ 64,000 |
| SAVANNAH, GA | 1 | $ 123,000 | $ 123,000 | $ 60,000 |
| SCRANTON--WILKES-BARRE, PA | 1 | $ 134,000 | $ 134,000 | $ 72,000 |
| SOUTH BEND-MISHAWAKA, IN-MI | 1 | $ 117,000 | $ 117,000 | $ 55,000 |
| SPARTANBURG, SC | 1 | $ 119,000 | $ 119,000 | $ 55,000 |
| SPRINGFIELD, MO | 1 | $ 188,000 | $ 188,000 | $ 90,000 |
| STOCKTON, CA | 1 | $ 220,000 | $ 220,000 | $ 68,000 |
| WACO, TX | 1 | $ 198,000 | $ 198,000 | $ 71,000 |
| WARNER ROBINS, GA | 1 | $ 147,000 | $ 147,000 | $ 88,000 |
| WHEELING, WV-OH | 1 | $ 111,000 | $ 111,000 | $ 86,000 |
Mortgage Loan Application Detail Totals for Usa Home Loans Inc in 2007
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 | 1,529 | $287,126,000 | $187,000 | $630,000 | $64,000 | $571,000 |
| Home Purchase | 898 | $139,430,000 | $155,000 | $525,000 | $62,000 | $1,813,000 |
| 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 | 2,126 | $378,490,000 | $178,000 | $630,000 | $64,000 | $1,813,000 |
| Hispanic | 169 | $23,250,000 | $137,000 | $332,000 | $58,000 | $192,000 |
| White | 69 | $11,983,000 | $173,000 | $356,000 | $62,000 | $116,000 |
| Black or African American | 62 | $12,737,000 | $205,000 | $370,000 | $69,000 | $150,000 |
| American Indian or Alaskan Native | 1 | $96,000 | $96,000 | $96,000 | $26,000 | $26,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 2,215 | $378,749,000 | $170,000 | $476,000 | $61,000 | $213,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 207 | $47,086,000 | $227,000 | $630,000 | $95,000 | $1,813,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $721,000 | $144,000 | $272,000 | $44,000 | $79,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 1,929 | $337,958,000 | $175,000 | $630,000 | $63,000 | $571,000 |
| Application Withdrawn By Applicant | 251 | $44,921,000 | $178,000 | $464,000 | $76,000 | $1,813,000 |
| Application Denied By Financial Institution | 188 | $34,646,000 | $184,000 | $599,000 | $59,000 | $288,000 |
| File Closed For Incompleteness | 51 | $7,972,000 | $156,000 | $380,000 | $51,000 | $153,000 |
| Application Approved But Not Accepted | 8 | $1,059,000 | $132,000 | $294,000 | $48,000 | $88,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 38 | $7,052,000 | $185,000 | $359,000 | $49,000 | $116,000 |
| Credit History | 36 | $6,177,000 | $171,000 | $352,000 | $58,000 | $110,000 |
| Other | 10 | $2,518,000 | $251,000 | $599,000 | $118,000 | $288,000 |
| Collateral | 9 | $1,406,000 | $156,000 | $256,000 | $55,000 | $85,000 |
| Employment History | 1 | $183,000 | $183,000 | $183,000 | $58,000 | $58,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $85,000 | $85,000 | $85,000 | $50,000 | $50,000 |
| 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 Usa Home Loans Inc's 2007 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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