Clearpoint Funding, Inc. Mortgage Lending & HMDA Data, 2009
In 2009, Clearpoint Funding, Inc. of Westborough, MA reported 4,137 mortgage applications totaling $984.0 million, up 1059% from 2008. The average application was for $237,852, and applicants reported an average income of $86,711. 65% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (587), Boston-Quincy, MA (468) and Cambridge-Newton-Framingham, MA (363) (applications in parentheses).
| Mortgage Company & Address | Clearpoint Funding, Inc. 4 Technology Drive, Suite 200 Westborough, MA 01581 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2013 2012 2011 2010 2009 2008 |
| Total Number of Mortgage Applications | 4,137 |
| Total Mortgage Loan Application Amount | $983,997,000 |
| Average Mortgage Loan Application Amount | $237,852 |
| Highest Mortgage Loan Application Amount | $801,000 |
| Average Applicant Income | $86,711 |
| Highest Applicant Income | $1,850,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Clearpoint Funding, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Middlesex, Massachusetts | 363 | $ 108,560,000 | $ 299,063 | $ 97,000 |
| Cook, Illinois | 359 | $ 88,931,000 | $ 247,718 | $ 90,000 |
| Norfolk, Massachusetts | 232 | $ 69,282,000 | $ 298,629 | $ 104,000 |
| Worcester, Massachusetts | 159 | $ 35,762,000 | $ 224,918 | $ 75,000 |
| Suffolk, Massachusetts | 146 | $ 44,421,000 | $ 304,253 | $ 106,000 |
| Essex, Massachusetts | 138 | $ 39,095,000 | $ 283,297 | $ 103,000 |
| DuPage, Illinois | 103 | $ 25,096,000 | $ 243,650 | $ 99,000 |
| Plymouth, Massachusetts | 90 | $ 24,081,000 | $ 267,566 | $ 79,000 |
| Bristol, Massachusetts | 85 | $ 20,858,000 | $ 245,388 | $ 71,000 |
| Palm Beach, Florida | 76 | $ 15,369,000 | $ 202,223 | $ 93,000 |
| Orange, Florida | 73 | $ 13,094,000 | $ 179,369 | $ 73,000 |
| Douglas, Nebraska | 73 | $ 11,707,000 | $ 160,369 | $ 74,000 |
| Hartford, Connecticut | 69 | $ 15,263,000 | $ 221,202 | $ 103,000 |
| Ventura, California | 68 | $ 20,647,000 | $ 303,632 | $ 91,000 |
| Will, Illinois | 67 | $ 15,769,000 | $ 235,358 | $ 84,000 |
| Los Angeles, California | 61 | $ 19,350,000 | $ 317,213 | $ 80,000 |
| Barnstable, Massachusetts | 57 | $ 15,437,000 | $ 270,824 | $ 131,000 |
| Rockingham, New Hampshire | 57 | $ 14,809,000 | $ 259,807 | $ 86,000 |
| Fairfield, Connecticut | 55 | $ 18,798,000 | $ 341,781 | $ 160,000 |
| Lake, Illinois | 55 | $ 13,660,000 | $ 248,363 | $ 82,000 |
| Hillsborough, New Hampshire | 55 | $ 11,595,000 | $ 210,818 | $ 62,000 |
| Seminole, Florida | 44 | $ 7,988,000 | $ 181,545 | $ 67,000 |
| Providence, Rhode Island | 44 | $ 7,727,000 | $ 175,613 | $ 60,000 |
| New Haven, Connecticut | 43 | $ 10,563,000 | $ 245,651 | $ 86,000 |
| Brevard, Florida | 40 | $ 6,995,000 | $ 174,875 | $ 69,000 |
| Lee, Florida | 40 | $ 6,576,000 | $ 164,400 | $ 68,000 |
| Volusia, Florida | 40 | $ 5,590,000 | $ 139,750 | $ 61,000 |
| Hillsborough, Florida | 36 | $ 6,007,000 | $ 166,861 | $ 76,000 |
| St. Louis, Missouri | 31 | $ 4,859,000 | $ 156,741 | $ 45,000 |
| Duval, Florida | 28 | $ 5,208,000 | $ 186,000 | $ 66,000 |
| Kane, Illinois | 28 | $ 6,209,000 | $ 221,750 | $ 67,000 |
| Fulton, Georgia | 27 | $ 7,003,000 | $ 259,370 | $ 123,000 |
| Tarrant, Texas | 27 | $ 4,364,000 | $ 161,629 | $ 76,000 |
| Travis, Texas | 27 | $ 6,846,000 | $ 253,555 | $ 130,000 |
| Cumberland, Maine | 26 | $ 5,431,000 | $ 208,884 | $ 64,000 |
| Hampden, Massachusetts | 25 | $ 4,439,000 | $ 177,560 | $ 53,000 |
| Lancaster, Nebraska | 25 | $ 3,714,000 | $ 148,560 | $ 59,000 |
| York, Maine | 24 | $ 4,678,000 | $ 194,916 | $ 74,000 |
| Montgomery, Maryland | 24 | $ 7,078,000 | $ 294,916 | $ 131,000 |
| Bexar, Texas | 23 | $ 4,640,000 | $ 201,739 | $ 113,000 |
| McHenry, Illinois | 22 | $ 4,583,000 | $ 208,318 | $ 62,000 |
| Polk, Iowa | 22 | $ 3,817,000 | $ 173,500 | $ 68,000 |
| Gwinnett, Georgia | 21 | $ 3,775,000 | $ 179,761 | $ 72,000 |
| Collier, Florida | 20 | $ 4,007,000 | $ 200,350 | $ 72,000 |
| Sarpy, Nebraska | 18 | $ 2,800,000 | $ 155,555 | $ 55,000 |
| Harris, Texas | 18 | $ 3,340,000 | $ 185,555 | $ 93,000 |
| Lake, Florida | 17 | $ 2,852,000 | $ 167,764 | $ 74,000 |
| DeKalb, Georgia | 17 | $ 3,908,000 | $ 229,882 | $ 70,000 |
| Polk, Florida | 16 | $ 2,523,000 | $ 157,687 | $ 45,000 |
| Milwaukee, Wisconsin | 16 | $ 2,437,000 | $ 152,312 | $ 55,000 |
| Penobscot, Maine | 15 | $ 2,195,000 | $ 146,333 | $ 72,000 |
| Cobb, Georgia | 14 | $ 3,365,000 | $ 240,357 | $ 108,000 |
| Macomb, Michigan | 14 | $ 1,861,000 | $ 132,928 | $ 57,000 |
| Johnson, Kansas | 12 | $ 2,562,000 | $ 213,500 | $ 80,000 |
| Merrimack, New Hampshire | 12 | $ 2,119,000 | $ 176,583 | $ 66,000 |
| Chittenden, Vermont | 12 | $ 2,447,000 | $ 203,916 | $ 86,000 |
| Orange, California | 11 | $ 5,025,000 | $ 456,818 | $ 112,000 |
| Middlesex, Connecticut | 11 | $ 2,221,000 | $ 201,909 | $ 87,000 |
| Manatee, Florida | 11 | $ 2,378,000 | $ 216,181 | $ 120,000 |
| Pinellas, Florida | 11 | $ 1,982,000 | $ 180,181 | $ 79,000 |
| Jackson, Missouri | 11 | $ 2,031,000 | $ 184,636 | $ 70,000 |
| Litchfield, Connecticut | 10 | $ 2,509,000 | $ 250,900 | $ 67,000 |
| Indian River, Florida | 10 | $ 2,036,000 | $ 203,600 | $ 297,000 |
| Prince George's, Maryland | 10 | $ 2,948,000 | $ 294,800 | $ 71,000 |
| Dallas, Texas | 10 | $ 1,911,000 | $ 191,100 | $ 98,000 |
| Riverside, California | 9 | $ 1,570,000 | $ 174,444 | $ 67,000 |
| Pasco, Florida | 9 | $ 1,766,000 | $ 196,222 | $ 44,000 |
| Sarasota, Florida | 9 | $ 1,746,000 | $ 194,000 | $ 107,000 |
| Frederick, Maryland | 9 | $ 2,802,000 | $ 311,333 | $ 122,000 |
| Jefferson, Missouri | 9 | $ 1,619,000 | $ 179,888 | $ 78,000 |
| Washington, Rhode Island | 9 | $ 3,074,000 | $ 341,555 | $ 128,000 |
| Alameda, California | 8 | $ 2,264,000 | $ 283,000 | $ 74,000 |
| Santa Clara, California | 8 | $ 2,711,000 | $ 338,875 | $ 96,000 |
| St. Johns, Florida | 8 | $ 1,763,000 | $ 220,375 | $ 87,000 |
| Baltimore, Maryland | 8 | $ 1,365,000 | $ 170,625 | $ 41,000 |
| St. Charles, Missouri | 8 | $ 1,911,000 | $ 238,875 | $ 74,000 |
| St. Louis City, Missouri | 8 | $ 1,479,000 | $ 184,875 | $ 53,000 |
| New London, Connecticut | 7 | $ 2,331,000 | $ 333,000 | $ 69,000 |
| Flagler, Florida | 7 | $ 1,447,000 | $ 206,714 | $ 107,000 |
| Cherokee, Georgia | 7 | $ 1,295,000 | $ 185,000 | $ 74,000 |
| Forsyth, Georgia | 7 | $ 1,518,000 | $ 216,857 | $ 77,000 |
| Anne Arundel, Maryland | 7 | $ 2,314,000 | $ 330,571 | $ 80,000 |
| Hampshire, Massachusetts | 7 | $ 1,843,000 | $ 263,285 | $ 89,000 |
| Cheshire, New Hampshire | 7 | $ 1,106,000 | $ 158,000 | $ 61,000 |
| Tolland, Connecticut | 6 | $ 1,518,000 | $ 253,000 | $ 45,000 |
| Alachua, Florida | 6 | $ 1,155,000 | $ 192,500 | $ 82,000 |
| Clay, Florida | 6 | $ 1,203,000 | $ 200,500 | $ 44,000 |
| Osceola, Florida | 6 | $ 1,020,000 | $ 170,000 | $ 67,000 |
| Santa Rosa, Florida | 6 | $ 1,322,000 | $ 220,333 | $ 100,000 |
| Howard, Maryland | 6 | $ 1,954,000 | $ 325,666 | $ 135,000 |
| Hennepin, Minnesota | 6 | $ 1,461,000 | $ 243,500 | $ 69,000 |
| Clay, Missouri | 6 | $ 1,155,000 | $ 192,500 | $ 50,000 |
| Belknap, New Hampshire | 6 | $ 1,301,000 | $ 216,833 | $ 97,000 |
| Strafford, New Hampshire | 6 | $ 1,127,000 | $ 187,833 | $ 51,000 |
| Snohomish, Washington | 6 | $ 1,647,000 | $ 274,500 | $ 36,000 |
| Sacramento, California | 5 | $ 1,169,000 | $ 233,800 | $ 43,000 |
| San Diego, California | 5 | $ 1,285,000 | $ 257,000 | $ 91,000 |
| Leon, Florida | 5 | $ 1,009,000 | $ 201,800 | $ 74,000 |
| Monroe, Florida | 5 | $ 1,583,000 | $ 316,600 | $ 102,000 |
| Sumter, Florida | 5 | $ 700,000 | $ 140,000 | $ 55,000 |
| Chatham, Georgia | 5 | $ 921,000 | $ 184,200 | $ 31,000 |
| Clayton, Georgia | 5 | $ 911,000 | $ 182,200 | $ 72,000 |
| Kendall, Illinois | 5 | $ 1,041,000 | $ 208,200 | $ 68,000 |
| Baltimore City, Maryland | 5 | $ 1,117,000 | $ 223,400 | $ 51,000 |
| Dukes, Massachusetts | 5 | $ 1,901,000 | $ 380,200 | $ 395,000 |
| Oakland, Michigan | 5 | $ 867,000 | $ 173,400 | $ 87,000 |
| Bristol, Rhode Island | 5 | $ 1,360,000 | $ 272,000 | $ 94,000 |
| Newport, Rhode Island | 5 | $ 1,408,000 | $ 281,600 | $ 64,000 |
| Fort Bend, Texas | 5 | $ 889,000 | $ 177,800 | $ 92,000 |
| Montgomery, Texas | 5 | $ 1,382,000 | $ 276,400 | $ 170,000 |
| Williamson, Texas | 5 | $ 736,000 | $ 147,200 | $ 76,000 |
| Racine, Wisconsin | 5 | $ 871,000 | $ 174,200 | $ 51,000 |
| Pulaski, Arkansas | 4 | $ 430,000 | $ 107,500 | $ 60,000 |
| Kern, California | 4 | $ 638,000 | $ 159,500 | $ 40,000 |
| St. Lucie, Florida | 4 | $ 837,000 | $ 209,250 | $ 96,000 |
| Bibb, Georgia | 4 | $ 350,000 | $ 87,500 | $ 32,000 |
| Hall, Georgia | 4 | $ 715,000 | $ 178,750 | $ 49,000 |
| Henry, Georgia | 4 | $ 722,000 | $ 180,500 | $ 48,000 |
| Lowndes, Georgia | 4 | $ 631,000 | $ 157,750 | $ 48,000 |
| Rockdale, Georgia | 4 | $ 654,000 | $ 163,500 | $ 71,000 |
| Scott, Iowa | 4 | $ 799,000 | $ 199,750 | $ 82,000 |
| Androscoggin, Maine | 4 | $ 585,000 | $ 146,250 | $ 45,000 |
| Carroll, Maryland | 4 | $ 911,000 | $ 227,750 | $ 85,000 |
| Wayne, Michigan | 4 | $ 355,000 | $ 88,750 | $ 51,000 |
| Anoka, Minnesota | 4 | $ 561,000 | $ 140,250 | $ 44,000 |
| Collin, Texas | 4 | $ 839,000 | $ 209,750 | $ 108,000 |
| Hays, Texas | 4 | $ 944,000 | $ 236,000 | $ 91,000 |
| Hidalgo, Texas | 4 | $ 612,000 | $ 153,000 | $ 73,000 |
| Johnson, Texas | 4 | $ 522,000 | $ 130,500 | $ 66,000 |
| King, Washington | 4 | $ 1,049,000 | $ 262,250 | $ 52,000 |
| Waukesha, Wisconsin | 4 | $ 705,000 | $ 176,250 | $ 45,000 |
| Contra Costa, California | 3 | $ 1,495,000 | $ 498,333 | $ 128,000 |
| San Francisco, California | 3 | $ 993,000 | $ 331,000 | $ 125,000 |
| San Joaquin, California | 3 | $ 478,000 | $ 159,333 | $ 69,000 |
| New Castle, Delaware | 3 | $ 936,000 | $ 312,000 | $ 96,000 |
| District of Columbia, District Of Columbia | 3 | $ 758,000 | $ 252,666 | $ 67,000 |
| Bay, Florida | 3 | $ 572,000 | $ 190,666 | $ 60,000 |
| Charlotte, Florida | 3 | $ 380,000 | $ 126,666 | $ 73,000 |
| Escambia, Florida | 3 | $ 622,000 | $ 207,333 | $ 65,000 |
| Marion, Florida | 3 | $ 592,000 | $ 197,333 | $ 98,000 |
| Martin, Florida | 3 | $ 923,000 | $ 307,666 | $ 108,000 |
| Okaloosa, Florida | 3 | $ 472,000 | $ 157,333 | $ 63,000 |
| Okeechobee, Florida | 3 | $ 429,000 | $ 143,000 | $ 63,000 |
| Putnam, Florida | 3 | $ 530,000 | $ 176,666 | $ 62,000 |
| Coweta, Georgia | 3 | $ 628,000 | $ 209,333 | $ 86,000 |
| Liberty, Georgia | 3 | $ 546,000 | $ 182,000 | $ 126,000 |
| Story, Iowa | 3 | $ 537,000 | $ 179,000 | $ 43,000 |
| Sedgwick, Kansas | 3 | $ 624,000 | $ 208,000 | $ 80,000 |
| Wyandotte, Kansas | 3 | $ 361,000 | $ 120,333 | $ 66,000 |
| Piscataquis, Maine | 3 | $ 381,000 | $ 127,000 | $ 81,000 |
| Berkshire, Massachusetts | 3 | $ 699,000 | $ 233,000 | $ 126,000 |
| Franklin, Massachusetts | 3 | $ 533,000 | $ 177,666 | $ 48,000 |
| Ramsey, Minnesota | 3 | $ 900,000 | $ 300,000 | $ 100,000 |
| Cass, Missouri | 3 | $ 543,000 | $ 181,000 | $ 69,000 |
| Sullivan, New Hampshire | 3 | $ 435,000 | $ 145,000 | $ 22,000 |
| Kent, Rhode Island | 3 | $ 848,000 | $ 282,666 | $ 93,000 |
| Berkeley, South Carolina | 3 | $ 362,000 | $ 120,666 | $ 31,000 |
| Charleston, South Carolina | 3 | $ 572,000 | $ 190,666 | $ 44,000 |
| Pennington, South Dakota | 3 | $ 329,000 | $ 109,666 | $ 63,000 |
| Comal, Texas | 3 | $ 633,000 | $ 211,000 | $ 150,000 |
| Walworth, Wisconsin | 3 | $ 458,000 | $ 152,666 | $ 47,000 |
| Jefferson, Alabama | 2 | $ 563,000 | $ 281,500 | $ 98,000 |
| El Dorado, California | 2 | $ 530,000 | $ 265,000 | $ 95,000 |
| Placer, California | 2 | $ 745,000 | $ 372,500 | $ 149,000 |
| San Mateo, California | 2 | $ 1,010,000 | $ 505,000 | $ 116,000 |
| Santa Cruz, California | 2 | $ 1,000,000 | $ 500,000 | $ 126,000 |
| Solano, California | 2 | $ 634,000 | $ 317,000 | $ 39,000 |
| El Paso, Colorado | 2 | $ 380,000 | $ 190,000 | $ 63,000 |
| Baker, Florida | 2 | $ 228,000 | $ 114,000 | $ 52,000 |
| Citrus, Florida | 2 | $ 326,000 | $ 163,000 | $ 58,000 |
| Columbia, Florida | 2 | $ 280,000 | $ 140,000 | $ 47,000 |
| Columbia, Georgia | 2 | $ 427,000 | $ 213,500 | $ 96,000 |
| Fayette, Georgia | 2 | $ 460,000 | $ 230,000 | $ 75,000 |
| Hawaii, Hawaii | 2 | $ 685,000 | $ 342,500 | $ 66,000 |
| Boone, Illinois | 2 | $ 258,000 | $ 129,000 | $ 15,000 |
| Champaign, Illinois | 2 | $ 350,000 | $ 175,000 | $ 0 |
| DeKalb, Illinois | 2 | $ 368,000 | $ 184,000 | $ 21,000 |
| Kankakee, Illinois | 2 | $ 371,000 | $ 185,500 | $ 66,000 |
| Cass, Iowa | 2 | $ 272,000 | $ 136,000 | $ 28,000 |
| Dallas, Iowa | 2 | $ 296,000 | $ 148,000 | $ 81,000 |
| Warren, Iowa | 2 | $ 807,000 | $ 403,500 | $ 86,000 |
| Franklin, Kansas | 2 | $ 402,000 | $ 201,000 | $ 36,000 |
| Leavenworth, Kansas | 2 | $ 243,000 | $ 121,500 | $ 124,000 |
| Franklin, Maine | 2 | $ 289,000 | $ 144,500 | $ 25,000 |
| Hancock, Maine | 2 | $ 393,000 | $ 196,500 | $ 73,000 |
| Lincoln, Maine | 2 | $ 463,000 | $ 231,500 | $ 107,000 |
| Waldo, Maine | 2 | $ 357,000 | $ 178,500 | $ 40,000 |
| Washington, Maine | 2 | $ 317,000 | $ 158,500 | $ 49,000 |
| Calvert, Maryland | 2 | $ 510,000 | $ 255,000 | $ 63,000 |
| Charles, Maryland | 2 | $ 569,000 | $ 284,500 | $ 96,000 |
| Harford, Maryland | 2 | $ 379,000 | $ 189,500 | $ 78,000 |
| Sherburne, Minnesota | 2 | $ 418,000 | $ 209,000 | $ 52,000 |
| Cape Girardeau, Missouri | 2 | $ 214,000 | $ 107,000 | $ 58,000 |
| Maries, Missouri | 2 | $ 626,000 | $ 313,000 | $ 87,000 |
| Cass, Nebraska | 2 | $ 227,000 | $ 113,500 | $ 40,000 |
| Lincoln, Nebraska | 2 | $ 146,000 | $ 73,000 | $ 48,000 |
| Coos, New Hampshire | 2 | $ 376,000 | $ 188,000 | $ 39,000 |
| Grafton, New Hampshire | 2 | $ 274,000 | $ 137,000 | $ 126,000 |
| Dorchester, South Carolina | 2 | $ 301,000 | $ 150,500 | $ 30,000 |
| Florence, South Carolina | 2 | $ 305,000 | $ 152,500 | $ 0 |
| Brazoria, Texas | 2 | $ 385,000 | $ 192,500 | $ 115,000 |
| Ellis, Texas | 2 | $ 443,000 | $ 221,500 | $ 77,000 |
| Lamoille, Vermont | 2 | $ 540,000 | $ 270,000 | $ 274,000 |
| Marion, West Virginia | 2 | $ 503,000 | $ 251,500 | $ 63,000 |
| Kenosha, Wisconsin | 2 | $ 359,000 | $ 179,500 | $ 22,000 |
| Sheboygan, Wisconsin | 2 | $ 428,000 | $ 214,000 | $ 0 |
| Winnebago, Wisconsin | 2 | $ 204,000 | $ 102,000 | $ 615,000 |
| Coffee, Alabama | 1 | $ 140,000 | $ 140,000 | $ 58,000 |
| Dallas, Alabama | 1 | $ 175,000 | $ 175,000 | $ 53,000 |
| Lamar, Alabama | 1 | $ 206,000 | $ 206,000 | $ 0 |
| Limestone, Alabama | 1 | $ 143,000 | $ 143,000 | $ 28,000 |
| Shelby, Alabama | 1 | $ 392,000 | $ 392,000 | $ 294,000 |
| Tuscaloosa, Alabama | 1 | $ 262,000 | $ 262,000 | $ 103,000 |
| Wilcox, Alabama | 1 | $ 222,000 | $ 222,000 | $ 62,000 |
| Faulkner, Arkansas | 1 | $ 105,000 | $ 105,000 | $ 58,000 |
| Garland, Arkansas | 1 | $ 180,000 | $ 180,000 | $ 26,000 |
| Butte, California | 1 | $ 123,000 | $ 123,000 | $ 33,000 |
| Calaveras, California | 1 | $ 398,000 | $ 398,000 | $ 53,000 |
| Marin, California | 1 | $ 417,000 | $ 417,000 | $ 219,000 |
| Monterey, California | 1 | $ 417,000 | $ 417,000 | $ 149,000 |
| San Bernardino, California | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Santa Barbara, California | 1 | $ 243,000 | $ 243,000 | $ 76,000 |
| Tehama, California | 1 | $ 112,000 | $ 112,000 | $ 33,000 |
| Tuolumne, California | 1 | $ 355,000 | $ 355,000 | $ 18,000 |
| Yolo, California | 1 | $ 300,000 | $ 300,000 | $ 108,000 |
| Adams, Colorado | 1 | $ 102,000 | $ 102,000 | $ 14,000 |
| Arapahoe, Colorado | 1 | $ 319,000 | $ 319,000 | $ 149,000 |
| Denver, Colorado | 1 | $ 50,000 | $ 50,000 | $ 72,000 |
| Douglas, Colorado | 1 | $ 197,000 | $ 197,000 | $ 60,000 |
| Summit, Colorado | 1 | $ 256,000 | $ 256,000 | $ 94,000 |
| Weld, Colorado | 1 | $ 270,000 | $ 270,000 | $ 75,000 |
| Windham, Connecticut | 1 | $ 417,000 | $ 417,000 | $ 66,000 |
| Gulf, Florida | 1 | $ 374,000 | $ 374,000 | $ 91,000 |
| Highlands, Florida | 1 | $ 150,000 | $ 150,000 | $ 55,000 |
| Jackson, Florida | 1 | $ 136,000 | $ 136,000 | $ 43,000 |
| Miami-Dade, Florida | 1 | $ 134,000 | $ 134,000 | $ 36,000 |
| Taylor, Florida | 1 | $ 114,000 | $ 114,000 | $ 68,000 |
| Walton, Florida | 1 | $ 155,000 | $ 155,000 | $ 95,000 |
| Bartow, Georgia | 1 | $ 201,000 | $ 201,000 | $ 0 |
| Butts, Georgia | 1 | $ 217,000 | $ 217,000 | $ 121,000 |
| Camden, Georgia | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Carroll, Georgia | 1 | $ 161,000 | $ 161,000 | $ 0 |
| Floyd, Georgia | 1 | $ 66,000 | $ 66,000 | $ 36,000 |
| Gilmer, Georgia | 1 | $ 162,000 | $ 162,000 | $ 36,000 |
| Habersham, Georgia | 1 | $ 221,000 | $ 221,000 | $ 55,000 |
| Houston, Georgia | 1 | $ 127,000 | $ 127,000 | $ 55,000 |
| Jackson, Georgia | 1 | $ 221,000 | $ 221,000 | $ 79,000 |
| Jones, Georgia | 1 | $ 191,000 | $ 191,000 | $ 84,000 |
| Madison, Georgia | 1 | $ 169,000 | $ 169,000 | $ 47,000 |
| Monroe, Georgia | 1 | $ 136,000 | $ 136,000 | $ 26,000 |
| Morgan, Georgia | 1 | $ 122,000 | $ 122,000 | $ 77,000 |
| Newton, Georgia | 1 | $ 325,000 | $ 325,000 | $ 133,000 |
| Paulding, Georgia | 1 | $ 163,000 | $ 163,000 | $ 0 |
| Pickens, Georgia | 1 | $ 130,000 | $ 130,000 | $ 202,000 |
| Richmond, Georgia | 1 | $ 102,000 | $ 102,000 | $ 41,000 |
| Sumter, Georgia | 1 | $ 184,000 | $ 184,000 | $ 56,000 |
| Troup, Georgia | 1 | $ 417,000 | $ 417,000 | $ 180,000 |
| Walton, Georgia | 1 | $ 403,000 | $ 403,000 | $ 250,000 |
| Whitfield, Georgia | 1 | $ 240,000 | $ 240,000 | $ 85,000 |
| Honolulu, Hawaii | 1 | $ 315,000 | $ 315,000 | $ 101,000 |
| Kauai, Hawaii | 1 | $ 180,000 | $ 180,000 | $ 128,000 |
| Maui, Hawaii | 1 | $ 281,000 | $ 281,000 | $ 66,000 |
| Coles, Illinois | 1 | $ 200,000 | $ 200,000 | $ 28,000 |
| Grundy, Illinois | 1 | $ 201,000 | $ 201,000 | $ 0 |
| Madison, Illinois | 1 | $ 211,000 | $ 211,000 | $ 0 |
| Peoria, Illinois | 1 | $ 257,000 | $ 257,000 | $ 62,000 |
| Randolph, Illinois | 1 | $ 99,000 | $ 99,000 | $ 0 |
| St. Clair, Illinois | 1 | $ 227,000 | $ 227,000 | $ 0 |
| Winnebago, Illinois | 1 | $ 119,000 | $ 119,000 | $ 30,000 |
| Porter, Indiana | 1 | $ 118,000 | $ 118,000 | $ 46,000 |
| Jasper, Iowa | 1 | $ 172,000 | $ 172,000 | $ 98,000 |
| Mahaska, Iowa | 1 | $ 147,000 | $ 147,000 | $ 79,000 |
| Pottawattamie, Iowa | 1 | $ 228,000 | $ 228,000 | $ 48,000 |
| Woodbury, Iowa | 1 | $ 148,000 | $ 148,000 | $ 56,000 |
| Dickinson, Kansas | 1 | $ 74,000 | $ 74,000 | $ 43,000 |
| Douglas, Kansas | 1 | $ 152,000 | $ 152,000 | $ 0 |
| Miami, Kansas | 1 | $ 53,000 | $ 53,000 | $ 29,000 |
| Riley, Kansas | 1 | $ 95,000 | $ 95,000 | $ 38,000 |
| Perry, Kentucky | 1 | $ 161,000 | $ 161,000 | $ 94,000 |
| Woodford, Kentucky | 1 | $ 174,000 | $ 174,000 | $ 0 |
| Aroostook, Maine | 1 | $ 79,000 | $ 79,000 | $ 26,000 |
| Kennebec, Maine | 1 | $ 163,000 | $ 163,000 | $ 30,000 |
| Knox, Maine | 1 | $ 193,000 | $ 193,000 | $ 600,000 |
| Sagadahoc, Maine | 1 | $ 218,000 | $ 218,000 | $ 71,000 |
| Allegany, Maryland | 1 | $ 285,000 | $ 285,000 | $ 57,000 |
| Cecil, Maryland | 1 | $ 177,000 | $ 177,000 | $ 48,000 |
| St. Mary's, Maryland | 1 | $ 285,000 | $ 285,000 | $ 104,000 |
| Wicomico, Maryland | 1 | $ 217,000 | $ 217,000 | $ 0 |
| Nantucket, Massachusetts | 1 | $ 360,000 | $ 360,000 | $ 125,000 |
| Kalamazoo, Michigan | 1 | $ 130,000 | $ 130,000 | $ 160,000 |
| Sanilac, Michigan | 1 | $ 133,000 | $ 133,000 | $ 50,000 |
| Crow Wing, Minnesota | 1 | $ 272,000 | $ 272,000 | $ 96,000 |
| Dakota, Minnesota | 1 | $ 352,000 | $ 352,000 | $ 190,000 |
| Douglas, Minnesota | 1 | $ 300,000 | $ 300,000 | $ 113,000 |
| Isanti, Minnesota | 1 | $ 308,000 | $ 308,000 | $ 109,000 |
| Itasca, Minnesota | 1 | $ 162,000 | $ 162,000 | $ 208,000 |
| Kanabec, Minnesota | 1 | $ 62,000 | $ 62,000 | $ 40,000 |
| Meeker, Minnesota | 1 | $ 170,000 | $ 170,000 | $ 32,000 |
| Pennington, Minnesota | 1 | $ 136,000 | $ 136,000 | $ 75,000 |
| Rock, Minnesota | 1 | $ 118,000 | $ 118,000 | $ 78,000 |
| Scott, Minnesota | 1 | $ 208,000 | $ 208,000 | $ 62,000 |
| Todd, Minnesota | 1 | $ 172,000 | $ 172,000 | $ 51,000 |
| Andrew, Missouri | 1 | $ 101,000 | $ 101,000 | $ 0 |
| Bollinger, Missouri | 1 | $ 207,000 | $ 207,000 | $ 110,000 |
| Buchanan, Missouri | 1 | $ 169,000 | $ 169,000 | $ 117,000 |
| Carter, Missouri | 1 | $ 155,000 | $ 155,000 | $ 89,000 |
| Cooper, Missouri | 1 | $ 114,000 | $ 114,000 | $ 0 |
| Franklin, Missouri | 1 | $ 137,000 | $ 137,000 | $ 37,000 |
| Henry, Missouri | 1 | $ 106,000 | $ 106,000 | $ 20,000 |
| Lawrence, Missouri | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Lincoln, Missouri | 1 | $ 123,000 | $ 123,000 | $ 74,000 |
| Morgan, Missouri | 1 | $ 323,000 | $ 323,000 | $ 55,000 |
| Phelps, Missouri | 1 | $ 130,000 | $ 130,000 | $ 145,000 |
| Pike, Missouri | 1 | $ 166,000 | $ 166,000 | $ 96,000 |
| Platte, Missouri | 1 | $ 127,000 | $ 127,000 | $ 0 |
| Ray, Missouri | 1 | $ 160,000 | $ 160,000 | $ 49,000 |
| Warren, Missouri | 1 | $ 121,000 | $ 121,000 | $ 37,000 |
| Webster, Missouri | 1 | $ 197,000 | $ 197,000 | $ 87,000 |
| Gage, Nebraska | 1 | $ 142,000 | $ 142,000 | $ 70,000 |
| Hall, Nebraska | 1 | $ 89,000 | $ 89,000 | $ 33,000 |
| Platte, Nebraska | 1 | $ 126,000 | $ 126,000 | $ 58,000 |
| Scotts Bluff, Nebraska | 1 | $ 95,000 | $ 95,000 | $ 31,000 |
| Seward, Nebraska | 1 | $ 139,000 | $ 139,000 | $ 0 |
| York, Nebraska | 1 | $ 157,000 | $ 157,000 | $ 53,000 |
| Carroll, New Hampshire | 1 | $ 163,000 | $ 163,000 | $ 43,000 |
| Sandoval, New Mexico | 1 | $ 124,000 | $ 124,000 | $ 34,000 |
| Santa Fe, New Mexico | 1 | $ 206,000 | $ 206,000 | $ 173,000 |
| Taos, New Mexico | 1 | $ 317,000 | $ 317,000 | $ 116,000 |
| Iredell, North Carolina | 1 | $ 269,000 | $ 269,000 | $ 0 |
| Pitt, North Carolina | 1 | $ 132,000 | $ 132,000 | $ 52,000 |
| Canadian, Oklahoma | 1 | $ 118,000 | $ 118,000 | $ 80,000 |
| Rogers, Oklahoma | 1 | $ 198,000 | $ 198,000 | $ 42,000 |
| Washington, Oklahoma | 1 | $ 115,000 | $ 115,000 | $ 81,000 |
| Beaufort, South Carolina | 1 | $ 417,000 | $ 417,000 | $ 135,000 |
| Edgefield, South Carolina | 1 | $ 104,000 | $ 104,000 | $ 48,000 |
| Horry, South Carolina | 1 | $ 210,000 | $ 210,000 | $ 42,000 |
| Lexington, South Carolina | 1 | $ 137,000 | $ 137,000 | $ 193,000 |
| Custer, South Dakota | 1 | $ 96,000 | $ 96,000 | $ 98,000 |
| Minnehaha, South Dakota | 1 | $ 162,000 | $ 162,000 | $ 40,000 |
| Moody, South Dakota | 1 | $ 132,000 | $ 132,000 | $ 45,000 |
| Loudon, Tennessee | 1 | $ 280,000 | $ 280,000 | $ 205,000 |
| Bell, Texas | 1 | $ 273,000 | $ 273,000 | $ 291,000 |
| Blanco, Texas | 1 | $ 284,000 | $ 284,000 | $ 115,000 |
| Brazos, Texas | 1 | $ 83,000 | $ 83,000 | $ 189,000 |
| Camp, Texas | 1 | $ 145,000 | $ 145,000 | $ 112,000 |
| Denton, Texas | 1 | $ 200,000 | $ 200,000 | $ 296,000 |
| El Paso, Texas | 1 | $ 257,000 | $ 257,000 | $ 139,000 |
| Galveston, Texas | 1 | $ 165,000 | $ 165,000 | $ 127,000 |
| Hood, Texas | 1 | $ 85,000 | $ 85,000 | $ 26,000 |
| Kendall, Texas | 1 | $ 208,000 | $ 208,000 | $ 101,000 |
| Lampasas, Texas | 1 | $ 103,000 | $ 103,000 | $ 72,000 |
| Lee, Texas | 1 | $ 92,000 | $ 92,000 | $ 104,000 |
| McLennan, Texas | 1 | $ 132,000 | $ 132,000 | $ 57,000 |
| Medina, Texas | 1 | $ 416,000 | $ 416,000 | $ 97,000 |
| Midland, Texas | 1 | $ 168,000 | $ 168,000 | $ 58,000 |
| Morris, Texas | 1 | $ 122,000 | $ 122,000 | $ 38,000 |
| Parker, Texas | 1 | $ 100,000 | $ 100,000 | $ 59,000 |
| Starr, Texas | 1 | $ 137,000 | $ 137,000 | $ 75,000 |
| Uvalde, Texas | 1 | $ 161,000 | $ 161,000 | $ 61,000 |
| Val Verde, Texas | 1 | $ 205,000 | $ 205,000 | $ 140,000 |
| Essex, Vermont | 1 | $ 155,000 | $ 155,000 | $ 57,000 |
| Franklin, Vermont | 1 | $ 366,000 | $ 366,000 | $ 54,000 |
| Orleans, Vermont | 1 | $ 238,000 | $ 238,000 | $ 45,000 |
| Washington, Vermont | 1 | $ 275,000 | $ 275,000 | $ 190,000 |
| Windham, Vermont | 1 | $ 184,000 | $ 184,000 | $ 40,000 |
| Windsor, Vermont | 1 | $ 220,000 | $ 220,000 | $ 86,000 |
| Chelan, Washington | 1 | $ 417,000 | $ 417,000 | $ 223,000 |
| Kitsap, Washington | 1 | $ 270,000 | $ 270,000 | $ 58,000 |
| Lewis, Washington | 1 | $ 184,000 | $ 184,000 | $ 51,000 |
| San Juan, Washington | 1 | $ 184,000 | $ 184,000 | $ 108,000 |
| Skagit, Washington | 1 | $ 191,000 | $ 191,000 | $ 114,000 |
| Whatcom, Washington | 1 | $ 297,000 | $ 297,000 | $ 0 |
| Berkeley, West Virginia | 1 | $ 251,000 | $ 251,000 | $ 89,000 |
| Washington, Wisconsin | 1 | $ 230,000 | $ 230,000 | $ 76,000 |
| Lincoln, Wyoming | 1 | $ 293,000 | $ 293,000 | $ 91,000 |
| Teton, Wyoming | 1 | $ 340,000 | $ 340,000 | $ 58,000 |
Mortgage Loan Application Detail Totals for Clearpoint Funding, Inc. in 2009
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 | 2,994 | $748,088,000 | $249,000 | $801,000 | $89,000 | $1,200,000 |
| Home Purchase | 1,126 | $231,626,000 | $205,000 | $725,000 | $81,000 | $1,850,000 |
| Home Improvement | 17 | $4,283,000 | $251,000 | $578,000 | $62,000 | $120,000 |
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 | 3,184 | $767,706,000 | $241,000 | $801,000 | $89,000 | $1,850,000 |
| Not Provided | 257 | $62,035,000 | $241,000 | $614,000 | $91,000 | $925,000 |
| Hispanic | 247 | $49,671,000 | $201,000 | $668,000 | $58,000 | $273,000 |
| Asian | 245 | $62,474,000 | $254,000 | $730,000 | $105,000 | $394,000 |
| Black or African American | 185 | $37,992,000 | $205,000 | $568,000 | $55,000 | $258,000 |
| Native Hawaiian or Other Pacific Islander | 13 | $2,855,000 | $219,000 | $400,000 | $62,000 | $128,000 |
| American Indian or Alaskan Native | 6 | $1,264,000 | $210,000 | $300,000 | $105,000 | $268,000 |
| 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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2,604 | $657,277,000 | $252,000 | $801,000 | $106,000 | $1,850,000 |
| FHA-insured (Federal Housing Administration) | 1,533 | $326,720,000 | $213,000 | $725,000 | $54,000 | $1,200,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 2,677 | $645,028,000 | $240,000 | $730,000 | $87,000 | $1,561,000 |
| Application Denied By Financial Institution | 632 | $144,573,000 | $228,000 | $730,000 | $82,000 | $1,850,000 |
| Application Approved But Not Accepted | 388 | $86,852,000 | $223,000 | $801,000 | $89,000 | $1,200,000 |
| File Closed For Incompleteness | 242 | $58,826,000 | $243,000 | $712,000 | $91,000 | $313,000 |
| Application Withdrawn By Applicant | 198 | $48,718,000 | $246,000 | $637,000 | $90,000 | $376,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 202 | $46,518,000 | $230,000 | $614,000 | $95,000 | $839,000 |
| Debt-To-Income Ratio | 129 | $28,770,000 | $223,000 | $725,000 | $59,000 | $183,000 |
| Other | 65 | $15,221,000 | $234,000 | $668,000 | $82,000 | $245,000 |
| Credit History | 46 | $8,958,000 | $194,000 | $555,000 | $60,000 | $250,000 |
| Employment History | 18 | $3,859,000 | $214,000 | $413,000 | $166,000 | $1,850,000 |
| Unverifiable Information | 11 | $2,259,000 | $205,000 | $400,000 | $73,000 | $161,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $322,000 | $80,000 | $101,000 | $36,000 | $59,000 |
| Mortgage Insurance Denied | 1 | $164,000 | $164,000 | $164,000 | $64,000 | $64,000 |
| Credit Application Incomplete | 1 | $368,000 | $368,000 | $368,000 | $61,000 | $61,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Clearpoint Funding, Inc.'s 2009 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 Clearpoint Funding, 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 Massachusetts, download the full spreadsheet
with aggregated HMDA statistics today.
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