Vision Home Mortgage Mortgage Lending & HMDA Data, 2004
In 2004, Vision Home Mortgage of Las Vegas, NV reported 327 mortgage applications totaling $56.8 million. The average application was for $173,611, and applicants reported an average income of $75,782. 1% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Las Vegas-Paradise, NV (170), Phoenix-Mesa-Scottsdale, AZ (2) and Edison, NJ (1) (applications in parentheses).
| Mortgage Company & Address | Vision Home Mortgage 6372 McLeod #1 Las Vegas, NV 89120 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2004 |
| Total Number of Mortgage Applications | 327 |
| Total Mortgage Loan Application Amount | $56,771,000 |
| Average Mortgage Loan Application Amount | $173,611 |
| Highest Mortgage Loan Application Amount | $1,040,000 |
| Average Applicant Income | $75,782 |
| Highest Applicant Income | $1,200,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Vision Home Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Vision Home Mortgage in 2004
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 254 | $42,028,000 | $187,000 | $1,040,000 | $86,000 | $1,200,000 |
| Refinancing | 73 | $14,743,000 | $271,000 | $960,000 | $110,500 | $197,000 |
| 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 | 143 | $26,540,000 | $180,500 | $1,040,000 | $67,500 | $1,200,000 |
| Hispanic | 95 | $12,689,000 | $164,333 | $264,000 | $86,333 | $261,000 |
| Asian | 38 | $8,209,000 | $274,750 | $464,000 | $106,000 | $197,000 |
| Not Provided | 30 | $6,539,000 | $215,000 | $943,000 | $113,500 | $958,000 |
| Black or African American | 14 | $1,764,000 | $120,000 | $208,000 | $49,000 | $87,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $654,000 | $199,000 | $270,000 | $54,500 | $72,000 |
| American Indian or Alaskan Native | 3 | $376,000 | $125,500 | $200,000 | $49,000 | $78,000 |
| 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) | 281 | $50,467,000 | $252,600 | $1,040,000 | $108,000 | $1,200,000 |
| FHA-insured (Federal Housing Administration) | 39 | $5,218,000 | $133,500 | $203,000 | $41,500 | $123,000 |
| VA-guaranteed (Veterans Administration) | 6 | $928,000 | $188,000 | $238,000 | $60,500 | $78,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $158,000 | $158,000 | $158,000 | $72,000 | $72,000 |
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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 295 | $51,298,000 | $225,000 | $1,040,000 | $96,000 | $1,200,000 |
| Application Denied By Financial Institution | 30 | $5,235,000 | $225,750 | $378,000 | $95,000 | $261,000 |
| Loan Originated | 2 | $238,000 | $119,000 | $160,000 | $39,000 | $41,000 |
| 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 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 7 | $850,000 | $118,500 | $209,000 | $45,000 | $102,000 |
| Collateral | 6 | $868,000 | $124,500 | $280,000 | $63,000 | $184,000 |
| Other | 6 | $1,522,000 | $272,333 | $378,000 | $96,333 | $116,000 |
| Unverifiable Information | 2 | $550,000 | $275,000 | $285,000 | $104,000 | $133,000 |
| Employment History | 2 | $395,000 | $197,500 | $275,000 | $67,000 | $89,000 |
| Credit History | 2 | $396,000 | $198,000 | $200,000 | $171,500 | $261,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $105,000 | $105,000 | $105,000 | $27,000 | $27,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Vision Home Mortgage's 2004 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 Vision Home Mortgage'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 Nevada, download the full spreadsheet
with aggregated HMDA statistics today.
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