Wachovia Mortgage FSB Mortgage Lending & HMDA Data, 2009
In 2009, Wachovia Mortgage FSB of Winston-Salem, NC reported 112,042 mortgage applications totaling $28.9 billion, down 53% from 2008. The average application was for $257,732, and applicants reported an average income of $101,316. 37% of its applications resulted in an originated loan and 37% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (5,745), Oakland-Fremont-Hayward, CA (4,571) and Philadelphia, PA (3,693) (applications in parentheses).
| Mortgage Company & Address | Wachovia Mortgage FSB Tonya Young 100 N Main St Mac D4001-063 Winston-Salem, NC 27101 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 112,042 |
| Total Mortgage Loan Application Amount | $28,876,841,000 |
| Average Mortgage Loan Application Amount | $257,732 |
| Highest Mortgage Loan Application Amount | $13,000,000 |
| Average Applicant Income | $101,316 |
| Highest Applicant Income | $9,999,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Wachovia Mortgage FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 5,745 | $ 2,011,723,000 | $ 350,169 | $ 79,000 |
| Oakland-Fremont-Hayward, CA | 4,571 | $ 1,579,704,000 | $ 345,592 | $ 78,000 |
| Philadelphia, PA | 3,693 | $ 863,503,000 | $ 233,821 | $ 123,000 |
| Riverside-San Bernardino-Ontario, CA | 3,591 | $ 895,908,000 | $ 249,487 | $ 59,000 |
| New York-White Plains-Wayne, NY-NJ | 3,414 | $ 1,216,535,000 | $ 356,337 | $ 154,015 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 3,367 | $ 1,050,008,000 | $ 311,852 | $ 129,927 |
| Atlanta-Sandy Springs-Marietta, GA | 3,327 | $ 687,104,000 | $ 206,523 | $ 114,000 |
| Charlotte-Gastonia-Concord, NC-SC | 3,162 | $ 702,436,000 | $ 222,149 | $ 126,239 |
| Edison-New Brunswick, NJ | 3,027 | $ 870,240,000 | $ 287,492 | $ 124,000 |
| Santa Ana-Anaheim-Irvine, CA | 2,488 | $ 1,007,346,000 | $ 404,881 | $ 114,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 2,386 | $ 612,198,000 | $ 256,579 | $ 65,000 |
| Newark-Union, NJ-PA | 2,375 | $ 704,010,000 | $ 296,425 | $ 134,760 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2,138 | $ 467,843,000 | $ 218,822 | $ 74,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2,081 | $ 436,934,000 | $ 209,963 | $ 62,000 |
| San Diego-Carlsbad-San Marcos, CA | 2,032 | $ 693,117,000 | $ 341,100 | $ 80,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1,664 | $ 309,372,000 | $ 185,920 | $ 78,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1,611 | $ 348,725,000 | $ 216,464 | $ 98,364 |
| Orlando-Kissimmee, FL | 1,534 | $ 302,641,000 | $ 197,288 | $ 84,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1,514 | $ 343,532,000 | $ 226,903 | $ 102,000 |
| Camden, NJ | 1,501 | $ 327,867,000 | $ 218,432 | $ 111,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1,442 | $ 609,703,000 | $ 422,817 | $ 82,000 |
| Chicago-Naperville-Joliet, IL | 1,388 | $ 322,226,000 | $ 232,151 | $ 90,000 |
| San Francisco-San Mateo-Redwood City, CA | 1,358 | $ 650,932,000 | $ 479,331 | $ 112,000 |
| Raleigh-Cary, NC | 1,342 | $ 293,963,000 | $ 219,048 | $ 125,000 |
| Richmond, VA | 1,322 | $ 282,552,000 | $ 213,730 | $ 107,000 |
| Stockton, CA | 1,297 | $ 298,789,000 | $ 230,369 | $ 58,000 |
| Miami-Miami Beach-Kendall, FL | 1,288 | $ 295,286,000 | $ 229,259 | $ 91,000 |
| Baltimore-Towson, MD | 1,152 | $ 294,360,000 | $ 255,520 | $ 124,000 |
| Modesto, CA | 1,106 | $ 228,708,000 | $ 206,788 | $ 48,000 |
| Vallejo-Fairfield, CA | 988 | $ 281,517,000 | $ 284,936 | $ 65,000 |
| Nassau-Suffolk, NY | 819 | $ 318,295,000 | $ 388,638 | $ 158,000 |
| Jacksonville, FL | 778 | $ 164,865,000 | $ 211,908 | $ 111,000 |
| Denver-Aurora-Broomfield, CO | 775 | $ 166,853,000 | $ 215,294 | $ 87,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 743 | $ 143,223,000 | $ 192,763 | $ 92,942 |
| Santa Rosa-Petaluma, CA | 707 | $ 239,764,000 | $ 339,128 | $ 75,000 |
| Bridgeport-Stamford-Norwalk, CT | 700 | $ 267,899,000 | $ 382,712 | $ 198,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 692 | $ 250,145,000 | $ 361,481 | $ 83,000 |
| Charleston-North Charleston-Summerville, SC | 691 | $ 202,636,000 | $ 293,250 | $ 166,000 |
| Fresno, CA | 690 | $ 134,865,000 | $ 195,456 | $ 48,000 |
| Las Vegas-Paradise, NV | 687 | $ 139,074,000 | $ 202,436 | $ 78,000 |
| Bethesda-Frederick-Rockville, MD | 652 | $ 215,010,000 | $ 329,769 | $ 145,000 |
| Bradenton-Sarasota-Venice, FL | 623 | $ 132,279,000 | $ 212,325 | $ 90,000 |
| Houston-Sugar Land-Baytown, TX | 605 | $ 107,342,000 | $ 177,424 | $ 125,000 |
| Seattle-Bellevue-Everett, WA | 595 | $ 186,187,000 | $ 312,919 | $ 101,000 |
| New Haven-Milford, CT | 591 | $ 127,657,000 | $ 216,001 | $ 101,000 |
| Columbia, SC | 583 | $ 103,051,000 | $ 176,759 | $ 103,000 |
| Cape Coral-Fort Myers, FL | 573 | $ 111,488,000 | $ 194,568 | $ 100,000 |
| Wilmington, NC | 555 | $ 123,318,000 | $ 222,194 | $ 120,000 |
| Durham-Chapel Hill, NC | 549 | $ 120,826,000 | $ 220,083 | $ 127,000 |
| Portland-Vancouver-Beaverton, OR-WA | 521 | $ 123,900,000 | $ 237,811 | $ 74,976 |
| Greensboro-High Point, NC | 517 | $ 92,874,000 | $ 179,640 | $ 105,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 495 | $ 106,359,000 | $ 214,866 | $ 69,171 |
| Salinas, CA | 488 | $ 153,614,000 | $ 314,782 | $ 64,000 |
| Greenville-Mauldin-Easley, SC | 478 | $ 97,747,000 | $ 204,491 | $ 118,000 |
| Dallas-Plano-Irving, TX | 477 | $ 97,561,000 | $ 204,530 | $ 142,000 |
| Boston-Quincy, MA | 446 | $ 142,052,000 | $ 318,502 | $ 110,000 |
| St. Louis, MO-IL | 438 | $ 94,229,000 | $ 215,134 | $ 121,575 |
| Bakersfield, CA | 429 | $ 76,596,000 | $ 178,545 | $ 45,000 |
| Winston-Salem, NC | 428 | $ 76,093,000 | $ 177,787 | $ 101,000 |
| Augusta-Richmond County, GA-SC | 410 | $ 65,530,000 | $ 159,829 | $ 84,039 |
| Asheville, NC | 406 | $ 81,669,000 | $ 201,155 | $ 99,000 |
| Hartford-West Hartford-East Hartford, CT | 385 | $ 88,281,000 | $ 229,301 | $ 112,000 |
| Wilmington, DE-MD-NJ | 385 | $ 84,401,000 | $ 219,223 | $ 99,579 |
| Merced, CA | 378 | $ 72,875,000 | $ 192,791 | $ 40,000 |
| Kansas City, MO-KS | 375 | $ 69,273,000 | $ 184,728 | $ 90,626 |
| Scranton--Wilkes-Barre, PA | 373 | $ 51,826,000 | $ 138,943 | $ 84,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 369 | $ 57,560,000 | $ 155,989 | $ 78,000 |
| Birmingham-Hoover, AL | 365 | $ 72,284,000 | $ 198,038 | $ 115,000 |
| Naples-Marco Island, FL | 364 | $ 90,823,000 | $ 249,513 | $ 94,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 346 | $ 116,176,000 | $ 335,768 | $ 78,000 |
| Palm Bay-Melbourne-Titusville, FL | 343 | $ 58,874,000 | $ 171,644 | $ 81,000 |
| Atlantic City-Hammonton, NJ | 320 | $ 80,532,000 | $ 251,662 | $ 152,000 |
| Austin-Round Rock, TX | 316 | $ 76,963,000 | $ 243,553 | $ 172,000 |
| Lancaster, PA | 298 | $ 50,579,000 | $ 169,728 | $ 82,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 296 | $ 59,957,000 | $ 202,557 | $ 134,000 |
| Trenton-Ewing, NJ | 296 | $ 69,066,000 | $ 233,331 | $ 114,000 |
| Cambridge-Newton-Framingham, MA | 273 | $ 83,952,000 | $ 307,516 | $ 122,000 |
| Port St. Lucie, FL | 266 | $ 51,129,000 | $ 192,214 | $ 94,000 |
| Reading, PA | 256 | $ 44,043,000 | $ 172,042 | $ 99,000 |
| Warren-Troy-Farmington Hills, MI | 256 | $ 47,442,000 | $ 185,320 | $ 90,000 |
| Salt Lake City, UT | 247 | $ 72,019,000 | $ 291,574 | $ 109,000 |
| Savannah, GA | 245 | $ 51,918,000 | $ 211,910 | $ 114,000 |
| Lakeland-Winter Haven, FL | 242 | $ 39,774,000 | $ 164,355 | $ 73,000 |
| Providence-New Bedford-Fall River, RI-MA | 242 | $ 60,796,000 | $ 251,223 | $ 94,231 |
| San Antonio, TX | 242 | $ 45,692,000 | $ 188,809 | $ 117,000 |
| Napa, CA | 240 | $ 81,371,000 | $ 339,045 | $ 81,000 |
| Roanoke, VA | 239 | $ 43,923,000 | $ 183,778 | $ 100,000 |
| Ocean City, NJ | 237 | $ 73,444,000 | $ 309,890 | $ 170,000 |
| Fort Worth-Arlington, TX | 229 | $ 40,942,000 | $ 178,786 | $ 121,000 |
| Ocala, FL | 221 | $ 34,376,000 | $ 155,547 | $ 77,000 |
| Columbus, GA-AL | 220 | $ 36,790,000 | $ 167,227 | $ 75,077 |
| Tucson, AZ | 218 | $ 42,128,000 | $ 193,247 | $ 61,000 |
| Harrisburg-Carlisle, PA | 213 | $ 35,639,000 | $ 167,319 | $ 86,000 |
| Visalia-Porterville, CA | 210 | $ 37,464,000 | $ 178,400 | $ 47,000 |
| Pittsburgh, PA | 202 | $ 36,799,000 | $ 182,173 | $ 115,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 197 | $ 50,019,000 | $ 253,903 | $ 109,000 |
| Spartanburg, SC | 196 | $ 34,201,000 | $ 174,494 | $ 94,000 |
| Reno-Sparks, NV | 194 | $ 52,029,000 | $ 268,190 | $ 113,000 |
| York-Hanover, PA | 192 | $ 34,249,000 | $ 178,380 | $ 101,000 |
| Lynchburg, VA | 187 | $ 33,234,000 | $ 177,721 | $ 93,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 176 | $ 39,894,000 | $ 226,670 | $ 110,000 |
| Hickory-Lenoir-Morganton, NC | 172 | $ 26,769,000 | $ 155,633 | $ 88,000 |
| San Luis Obispo-Paso Robles, CA | 171 | $ 58,947,000 | $ 344,719 | $ 95,000 |
| Charlottesville, VA | 166 | $ 38,246,000 | $ 230,397 | $ 119,000 |
| Palm Coast, FL | 166 | $ 25,928,000 | $ 156,192 | $ 53,000 |
| Tacoma, WA | 159 | $ 37,849,000 | $ 238,044 | $ 79,000 |
| Santa Cruz-Watsonville, CA | 156 | $ 58,432,000 | $ 374,564 | $ 78,000 |
| Milwaukee-Waukesha-West Allis, WI | 155 | $ 32,100,000 | $ 207,096 | $ 110,000 |
| Barnstable Town, MA | 154 | $ 54,683,000 | $ 355,084 | $ 145,000 |
| Punta Gorda, FL | 153 | $ 24,797,000 | $ 162,071 | $ 75,000 |
| Provo-Orem, UT | 150 | $ 32,854,000 | $ 219,026 | $ 89,000 |
| Colorado Springs, CO | 148 | $ 33,236,000 | $ 224,567 | $ 79,000 |
| Fayetteville, NC | 146 | $ 21,125,000 | $ 144,691 | $ 92,000 |
| Tallahassee, FL | 142 | $ 24,811,000 | $ 174,725 | $ 78,000 |
| Madera-Chowchilla, CA | 141 | $ 26,414,000 | $ 187,333 | $ 43,000 |
| Florence, SC | 140 | $ 20,337,000 | $ 145,264 | $ 81,000 |
| Greenville, NC | 131 | $ 21,621,000 | $ 165,045 | $ 109,000 |
| Pensacola-Ferry Pass-Brent, FL | 128 | $ 20,389,000 | $ 159,289 | $ 103,000 |
| Peabody, MA | 127 | $ 37,588,000 | $ 295,968 | $ 98,000 |
| Worcester, MA | 125 | $ 30,511,000 | $ 244,088 | $ 91,000 |
| Lake County-Kenosha County, IL-WI | 124 | $ 29,395,000 | $ 237,056 | $ 106,701 |
| Redding, CA | 124 | $ 26,156,000 | $ 210,935 | $ 59,000 |
| Dalton, GA | 118 | $ 16,251,000 | $ 137,720 | $ 65,000 |
| Sebastian-Vero Beach, FL | 116 | $ 23,718,000 | $ 204,465 | $ 92,000 |
| Indianapolis-Carmel, IN | 112 | $ 18,905,000 | $ 168,794 | $ 93,000 |
| Huntsville, AL | 110 | $ 22,344,000 | $ 203,127 | $ 129,000 |
| Bend, OR | 108 | $ 30,222,000 | $ 279,833 | $ 62,000 |
| Chico, CA | 104 | $ 21,307,000 | $ 204,875 | $ 57,000 |
| Cleveland-Elyria-Mentor, OH | 104 | $ 20,150,000 | $ 193,750 | $ 121,000 |
| Gainesville, FL | 99 | $ 17,539,000 | $ 177,161 | $ 107,000 |
| Detroit-Livonia-Dearborn, MI | 98 | $ 13,585,000 | $ 138,622 | $ 78,000 |
| Boulder, CO | 95 | $ 24,904,000 | $ 262,147 | $ 122,000 |
| Cincinnati-Middletown, OH-KY-IN | 94 | $ 17,050,000 | $ 181,382 | $ 103,234 |
| Auburn-Opelika, AL | 93 | $ 15,463,000 | $ 166,268 | $ 91,000 |
| Blacksburg-Christiansburg-Radford, VA | 92 | $ 19,757,000 | $ 214,750 | $ 121,000 |
| Boise City-Nampa, ID | 92 | $ 18,370,000 | $ 199,673 | $ 79,000 |
| Gainesville, GA | 91 | $ 19,327,000 | $ 212,384 | $ 105,000 |
| Tulsa, OK | 85 | $ 16,246,000 | $ 191,129 | $ 99,000 |
| Memphis, TN-MS-AR | 84 | $ 13,925,000 | $ 165,773 | $ 103,214 |
| Ogden-Clearfield, UT | 84 | $ 17,336,000 | $ 206,380 | $ 75,000 |
| Albuquerque, NM | 83 | $ 16,712,000 | $ 201,349 | $ 88,000 |
| Columbus, OH | 83 | $ 18,252,000 | $ 219,903 | $ 166,000 |
| Harrisonburg, VA | 80 | $ 13,391,000 | $ 167,387 | $ 72,000 |
| Burlington, NC | 79 | $ 13,857,000 | $ 175,405 | $ 112,000 |
| Mobile, AL | 79 | $ 11,591,000 | $ 146,721 | $ 83,000 |
| Montgomery, AL | 78 | $ 15,047,000 | $ 192,910 | $ 115,000 |
| Fort Collins-Loveland, CO | 75 | $ 14,530,000 | $ 193,733 | $ 87,000 |
| Dothan, AL | 74 | $ 11,534,000 | $ 155,864 | $ 72,000 |
| Anderson, SC | 72 | $ 10,656,000 | $ 148,000 | $ 95,000 |
| Oklahoma City, OK | 72 | $ 12,216,000 | $ 169,666 | $ 94,000 |
| Omaha-Council Bluffs, NE-IA | 72 | $ 13,880,000 | $ 192,777 | $ 111,000 |
| Eugene-Springfield, OR | 71 | $ 14,490,000 | $ 204,084 | $ 56,000 |
| Lebanon, PA | 71 | $ 11,277,000 | $ 158,830 | $ 71,000 |
| St. George, UT | 70 | $ 16,014,000 | $ 228,771 | $ 73,000 |
| Louisville-Jefferson County, KY-IN | 64 | $ 11,083,000 | $ 173,171 | $ 94,687 |
| Rockingham County-Strafford County, NH | 61 | $ 16,754,000 | $ 274,655 | $ 108,000 |
| Rocky Mount, NC | 60 | $ 9,252,000 | $ 154,200 | $ 85,000 |
| Tuscaloosa, AL | 58 | $ 11,211,000 | $ 193,293 | $ 115,000 |
| New Orleans-Metairie-Kenner, LA | 56 | $ 11,428,000 | $ 204,071 | $ 112,000 |
| Beaumont-Port Arthur, TX | 55 | $ 7,453,000 | $ 135,509 | $ 87,000 |
| Chattanooga, TN-GA | 55 | $ 8,378,000 | $ 152,327 | $ 79,981 |
| Hanford-Corcoran, CA | 55 | $ 9,996,000 | $ 181,745 | $ 47,000 |
| Kingsport-Bristol-Bristol, TN-VA | 55 | $ 8,464,000 | $ 153,890 | $ 83,454 |
| Manchester-Nashua, NH | 55 | $ 13,416,000 | $ 243,927 | $ 109,000 |
| Prescott, AZ | 54 | $ 12,309,000 | $ 227,944 | $ 68,000 |
| Winchester, VA-WV | 54 | $ 11,376,000 | $ 210,666 | $ 102,518 |
| Yuba City, CA | 54 | $ 10,738,000 | $ 198,851 | $ 49,000 |
| Madison, WI | 53 | $ 10,926,000 | $ 206,150 | $ 91,000 |
| Wichita, KS | 53 | $ 8,531,000 | $ 160,962 | $ 100,000 |
| Dover, DE | 51 | $ 8,961,000 | $ 175,705 | $ 72,000 |
| Jacksonville, NC | 51 | $ 8,660,000 | $ 169,803 | $ 107,000 |
| Athens-Clarke County, GA | 50 | $ 9,935,000 | $ 198,700 | $ 135,000 |
| Macon, GA | 50 | $ 8,687,000 | $ 173,740 | $ 106,000 |
| Medford, OR | 50 | $ 11,044,000 | $ 220,880 | $ 50,000 |
| Springfield, MA | 50 | $ 9,190,000 | $ 183,800 | $ 67,000 |
| Bremerton-Silverdale, WA | 49 | $ 13,086,000 | $ 267,061 | $ 71,000 |
| Portland-South Portland-Biddeford, ME | 49 | $ 13,315,000 | $ 271,734 | $ 175,000 |
| Norwich-New London, CT | 44 | $ 11,241,000 | $ 255,477 | $ 110,000 |
| Salem, OR | 43 | $ 8,055,000 | $ 187,325 | $ 55,000 |
| Spokane, WA | 43 | $ 7,876,000 | $ 183,162 | $ 68,000 |
| Akron, OH | 41 | $ 8,360,000 | $ 203,902 | $ 188,000 |
| Brunswick, GA | 39 | $ 9,288,000 | $ 238,153 | $ 154,000 |
| Santa Fe, NM | 39 | $ 11,549,000 | $ 296,128 | $ 109,000 |
| Greeley, CO | 38 | $ 7,699,000 | $ 202,605 | $ 82,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 38 | $ 9,980,000 | $ 262,631 | $ 128,000 |
| Albany-Schenectady-Troy, NY | 37 | $ 7,971,000 | $ 215,432 | $ 119,000 |
| Buffalo-Niagara Falls, NY | 36 | $ 5,939,000 | $ 164,972 | $ 95,000 |
| Kingston, NY | 36 | $ 7,811,000 | $ 216,972 | $ 119,000 |
| Fort Walton Beach-Crestview-Destin, FL | 35 | $ 9,422,000 | $ 269,200 | $ 177,000 |
| Knoxville, TN | 33 | $ 8,865,000 | $ 268,636 | $ 150,000 |
| Olympia, WA | 32 | $ 7,774,000 | $ 242,937 | $ 129,000 |
| Rome, GA | 32 | $ 4,410,000 | $ 137,812 | $ 58,000 |
| Gadsden, AL | 31 | $ 4,429,000 | $ 142,870 | $ 82,000 |
| Gary, IN | 31 | $ 6,514,000 | $ 210,129 | $ 135,000 |
| Jackson, MS | 31 | $ 4,359,000 | $ 140,612 | $ 87,000 |
| Anniston-Oxford, AL | 30 | $ 3,970,000 | $ 132,333 | $ 79,000 |
| Grand Junction, CO | 30 | $ 6,733,000 | $ 224,433 | $ 99,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 29 | $ 5,459,000 | $ 188,241 | $ 117,000 |
| Fort Wayne, IN | 27 | $ 3,957,000 | $ 146,555 | $ 92,000 |
| Sumter, SC | 27 | $ 4,341,000 | $ 160,777 | $ 80,000 |
| Vineland-Millville-Bridgeton, NJ | 27 | $ 4,550,000 | $ 168,518 | $ 75,000 |
| Rochester, NY | 26 | $ 4,592,000 | $ 176,615 | $ 168,000 |
| Warner Robins, GA | 26 | $ 3,266,000 | $ 125,615 | $ 73,000 |
| Carson City, NV | 25 | $ 5,175,000 | $ 207,000 | $ 60,000 |
| Dayton, OH | 25 | $ 3,801,000 | $ 152,040 | $ 113,000 |
| Gulfport-Biloxi, MS | 25 | $ 3,606,000 | $ 144,240 | $ 87,000 |
| Decatur, AL | 24 | $ 3,942,000 | $ 164,250 | $ 88,000 |
| Flagstaff, AZ | 24 | $ 6,363,000 | $ 265,125 | $ 151,000 |
| Florence-Muscle Shoals, AL | 24 | $ 3,468,000 | $ 144,500 | $ 102,000 |
| Anchorage, AK | 23 | $ 6,794,000 | $ 295,391 | $ 174,000 |
| Des Moines-West Des Moines, IA | 23 | $ 4,802,000 | $ 208,782 | $ 128,000 |
| El Paso, TX | 22 | $ 3,160,000 | $ 143,636 | $ 184,000 |
| Sioux Falls, SD | 22 | $ 3,798,000 | $ 172,636 | $ 75,000 |
| Springfield, MO | 22 | $ 3,360,000 | $ 152,727 | $ 69,000 |
| Coeur D'Alene, ID | 21 | $ 4,660,000 | $ 221,904 | $ 75,000 |
| Corpus Christi, TX | 21 | $ 3,055,000 | $ 145,476 | $ 112,000 |
| Grand Rapids-Wyoming, MI | 21 | $ 4,415,000 | $ 210,238 | $ 187,000 |
| Hagerstown-Martinsburg, MD-WV | 21 | $ 3,732,000 | $ 177,714 | $ 67,095 |
| South Bend-Mishawaka, IN-MI | 21 | $ 4,165,000 | $ 198,333 | $ 160,238 |
| Baton Rouge, LA | 20 | $ 4,569,000 | $ 228,450 | $ 133,000 |
| Lake Havasu City-Kingman, AZ | 20 | $ 3,335,000 | $ 166,750 | $ 79,000 |
| Toledo, OH | 20 | $ 3,477,000 | $ 173,850 | $ 92,000 |
| Ann Arbor, MI | 19 | $ 5,919,000 | $ 311,526 | $ 149,000 |
| Pascagoula, MS | 19 | $ 3,907,000 | $ 205,631 | $ 94,000 |
| Syracuse, NY | 19 | $ 3,585,000 | $ 188,684 | $ 200,000 |
| Lansing-East Lansing, MI | 18 | $ 2,828,000 | $ 157,111 | $ 96,000 |
| Racine, WI | 18 | $ 3,440,000 | $ 191,111 | $ 103,000 |
| Goldsboro, NC | 17 | $ 2,455,000 | $ 144,411 | $ 91,000 |
| Holland-Grand Haven, MI | 17 | $ 3,198,000 | $ 188,117 | $ 149,000 |
| Kalamazoo-Portage, MI | 17 | $ 3,505,000 | $ 206,176 | $ 149,000 |
| Lincoln, NE | 17 | $ 3,031,000 | $ 178,294 | $ 97,000 |
| Bellingham, WA | 16 | $ 3,478,000 | $ 217,375 | $ 110,000 |
| Little Rock-North Little Rock-Conway, AR | 16 | $ 2,710,000 | $ 169,375 | $ 105,000 |
| Mount Vernon-Anacortes, WA | 16 | $ 4,139,000 | $ 258,687 | $ 99,000 |
| Corvallis, OR | 15 | $ 3,231,000 | $ 215,400 | $ 84,000 |
| Danville, VA | 15 | $ 1,556,000 | $ 103,733 | $ 65,000 |
| Lexington-Fayette, KY | 15 | $ 3,002,000 | $ 200,133 | $ 129,000 |
| Killeen-Temple-Fort Hood, TX | 14 | $ 2,196,000 | $ 156,857 | $ 84,000 |
| Lawrence, KS | 14 | $ 2,386,000 | $ 170,428 | $ 66,000 |
| El Centro, CA | 13 | $ 2,299,000 | $ 176,846 | $ 33,000 |
| Honolulu, HI | 13 | $ 5,802,000 | $ 446,307 | $ 258,000 |
| Logan, UT-ID | 13 | $ 3,050,000 | $ 234,615 | $ 90,000 |
| Pittsfield, MA | 13 | $ 3,387,000 | $ 260,538 | $ 190,000 |
| Rockford, IL | 13 | $ 2,367,000 | $ 182,076 | $ 119,000 |
| Tyler, TX | 13 | $ 2,428,000 | $ 186,769 | $ 138,000 |
| Canton-Massillon, OH | 12 | $ 2,210,000 | $ 184,166 | $ 88,000 |
| Charleston, WV | 12 | $ 1,849,000 | $ 154,083 | $ 85,000 |
| Las Cruces, NM | 12 | $ 2,106,000 | $ 175,500 | $ 84,000 |
| McAllen-Edinburg-Mission, TX | 12 | $ 1,779,000 | $ 148,250 | $ 90,000 |
| Pueblo, CO | 12 | $ 2,177,000 | $ 181,416 | $ 80,000 |
| Salisbury, MD | 12 | $ 2,197,000 | $ 183,083 | $ 109,000 |
| Glens Falls, NY | 11 | $ 3,103,000 | $ 282,090 | $ 299,000 |
| Idaho Falls, ID | 11 | $ 1,832,000 | $ 166,545 | $ 65,000 |
| Youngstown-Warren-Boardman, OH-PA | 11 | $ 1,970,000 | $ 179,090 | $ 112,272 |
| Hattiesburg, MS | 10 | $ 1,343,000 | $ 134,300 | $ 69,000 |
| Joplin, MO | 10 | $ 1,625,000 | $ 162,500 | $ 129,000 |
| Niles-Benton Harbor, MI | 10 | $ 1,873,000 | $ 187,300 | $ 153,000 |
| Peoria, IL | 10 | $ 2,045,000 | $ 204,500 | $ 226,000 |
| State College, PA | 10 | $ 1,585,000 | $ 158,500 | $ 116,000 |
| Duluth, MN-WI | 9 | $ 1,496,000 | $ 166,222 | $ 117,111 |
| Johnson City, TN | 9 | $ 2,222,000 | $ 246,888 | $ 107,000 |
| Albany, GA | 8 | $ 855,000 | $ 106,875 | $ 59,000 |
| Battle Creek, MI | 8 | $ 861,000 | $ 107,625 | $ 83,000 |
| Bloomington, IN | 8 | $ 1,108,000 | $ 138,500 | $ 76,000 |
| Brownsville-Harlingen, TX | 8 | $ 1,201,000 | $ 150,125 | $ 196,000 |
| Burlington-South Burlington, VT | 8 | $ 1,513,000 | $ 189,125 | $ 96,000 |
| Lake Charles, LA | 8 | $ 971,000 | $ 121,375 | $ 48,000 |
| Valdosta, GA | 8 | $ 1,436,000 | $ 179,500 | $ 97,000 |
| Waco, TX | 8 | $ 1,266,000 | $ 158,250 | $ 81,000 |
| Yuma, AZ | 8 | $ 1,025,000 | $ 128,125 | $ 50,000 |
| Cedar Rapids, IA | 7 | $ 975,000 | $ 139,285 | $ 91,000 |
| Davenport-Moline-Rock Island, IA-IL | 7 | $ 944,000 | $ 134,857 | $ 112,857 |
| Huntington-Ashland, WV-KY-OH | 7 | $ 628,000 | $ 89,714 | $ 84,428 |
| St. Joseph, MO-KS | 7 | $ 931,000 | $ 133,000 | $ 66,000 |
| Wenatchee-East Wenatchee, WA | 7 | $ 1,494,000 | $ 213,428 | $ 60,000 |
| Cheyenne, WY | 6 | $ 1,475,000 | $ 245,833 | $ 165,000 |
| College Station-Bryan, TX | 6 | $ 458,000 | $ 76,333 | $ 54,000 |
| Columbia, MO | 6 | $ 1,168,000 | $ 194,666 | $ 138,000 |
| Elkhart-Goshen, IN | 6 | $ 1,379,000 | $ 229,833 | $ 81,000 |
| Flint, MI | 6 | $ 940,000 | $ 156,666 | $ 76,000 |
| Green Bay, WI | 6 | $ 802,000 | $ 133,666 | $ 64,000 |
| Muskegon-Norton Shores, MI | 6 | $ 1,917,000 | $ 319,500 | $ 267,000 |
| Pocatello, ID | 6 | $ 942,000 | $ 157,000 | $ 58,000 |
| Texarkana, Tx-Texarkana, AR | 6 | $ 925,000 | $ 154,166 | $ 75,666 |
| Topeka, KS | 6 | $ 1,122,000 | $ 187,000 | $ 86,000 |
| Wheeling, WV-OH | 6 | $ 506,000 | $ 84,333 | $ 53,500 |
| Amarillo, TX | 5 | $ 804,000 | $ 160,800 | $ 106,000 |
| Billings, MT | 5 | $ 1,238,000 | $ 247,600 | $ 124,000 |
| Cumberland, MD-WV | 5 | $ 886,000 | $ 177,200 | $ 73,400 |
| Fargo, ND-MN | 5 | $ 897,000 | $ 179,400 | $ 104,600 |
| Fort Smith, AR-OK | 5 | $ 468,000 | $ 93,600 | $ 56,800 |
| Hot Springs, AR | 5 | $ 910,000 | $ 182,000 | $ 137,000 |
| Ithaca, NY | 5 | $ 887,000 | $ 177,400 | $ 125,000 |
| Longview, TX | 5 | $ 705,000 | $ 141,000 | $ 151,000 |
| Missoula, MT | 5 | $ 1,175,000 | $ 235,000 | $ 87,000 |
| Morristown, TN | 5 | $ 1,000,000 | $ 200,000 | $ 98,000 |
| Rapid City, SD | 5 | $ 937,000 | $ 187,400 | $ 193,000 |
| Sheboygan, WI | 5 | $ 1,430,000 | $ 286,000 | $ 172,000 |
| Sherman-Denison, TX | 5 | $ 759,000 | $ 151,800 | $ 122,000 |
| Utica-Rome, NY | 5 | $ 732,000 | $ 146,400 | $ 78,000 |
| Williamsport, PA | 5 | $ 501,000 | $ 100,200 | $ 49,000 |
| Yakima, WA | 5 | $ 799,000 | $ 159,800 | $ 78,000 |
| Altoona, PA | 4 | $ 805,000 | $ 201,250 | $ 125,000 |
| Appleton, WI | 4 | $ 712,000 | $ 178,000 | $ 61,000 |
| Bangor, ME | 4 | $ 553,000 | $ 138,250 | $ 137,000 |
| Bowling Green, KY | 4 | $ 1,246,000 | $ 311,500 | $ 171,000 |
| Champaign-Urbana, IL | 4 | $ 1,360,000 | $ 340,000 | $ 356,000 |
| Evansville, IN-KY | 4 | $ 651,000 | $ 162,750 | $ 83,000 |
| Fond Du Lac, WI | 4 | $ 876,000 | $ 219,000 | $ 160,000 |
| Hinesville-Fort Stewart, GA | 4 | $ 322,000 | $ 80,500 | $ 43,000 |
| Jefferson City, MO | 4 | $ 581,000 | $ 145,250 | $ 67,000 |
| Kankakee-Bradley, IL | 4 | $ 830,000 | $ 207,500 | $ 81,000 |
| Kennewick-Pasco-Richland, WA | 4 | $ 741,000 | $ 185,250 | $ 76,000 |
| Kokomo, IN | 4 | $ 622,000 | $ 155,500 | $ 92,000 |
| Lafayette, LA | 4 | $ 1,118,000 | $ 279,500 | $ 129,000 |
| Lawton, OK | 4 | $ 793,000 | $ 198,250 | $ 92,000 |
| Michigan City-La Porte, IN | 4 | $ 772,000 | $ 193,000 | $ 108,000 |
| Monroe, MI | 4 | $ 696,000 | $ 174,000 | $ 76,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 4 | $ 560,000 | $ 140,000 | $ 111,000 |
| Alexandria, LA | 3 | $ 441,000 | $ 147,000 | $ 91,000 |
| Binghamton, NY | 3 | $ 244,000 | $ 81,333 | $ 75,000 |
| Bismarck, ND | 3 | $ 475,000 | $ 158,333 | $ 112,000 |
| Bloomington-Normal, IL | 3 | $ 329,000 | $ 109,666 | $ 111,000 |
| Cape Girardeau-Jackson, MO-IL | 3 | $ 937,000 | $ 312,333 | $ 260,000 |
| Cleveland, TN | 3 | $ 396,000 | $ 132,000 | $ 97,000 |
| Decatur, IL | 3 | $ 688,000 | $ 229,333 | $ 79,000 |
| Eau Claire, WI | 3 | $ 535,000 | $ 178,333 | $ 106,000 |
| Erie, PA | 3 | $ 416,000 | $ 138,666 | $ 101,000 |
| Houma-Bayou Cane-Thibodaux, LA | 3 | $ 470,000 | $ 156,666 | $ 99,000 |
| Janesville, WI | 3 | $ 507,000 | $ 169,000 | $ 67,000 |
| Johnstown, PA | 3 | $ 405,000 | $ 135,000 | $ 131,000 |
| Lewiston-Auburn, ME | 3 | $ 678,000 | $ 226,000 | $ 186,000 |
| Lubbock, TX | 3 | $ 448,000 | $ 149,333 | $ 90,000 |
| Manhattan, KS | 3 | $ 465,000 | $ 155,000 | $ 132,000 |
| Oshkosh-Neenah, WI | 3 | $ 437,000 | $ 145,666 | $ 88,000 |
| Rochester, MN | 3 | $ 796,000 | $ 265,333 | $ 256,000 |
| Springfield, OH | 3 | $ 399,000 | $ 133,000 | $ 57,000 |
| Weirton-Steubenville, WV-OH | 3 | $ 250,000 | $ 83,333 | $ 79,000 |
| Abilene, TX | 2 | $ 406,000 | $ 203,000 | $ 99,000 |
| Columbus, IN | 2 | $ 321,000 | $ 160,500 | $ 98,000 |
| Elmira, NY | 2 | $ 175,000 | $ 87,500 | $ 62,000 |
| Farmington, NM | 2 | $ 328,000 | $ 164,000 | $ 57,000 |
| Lafayette, IN | 2 | $ 310,000 | $ 155,000 | $ 94,000 |
| Lewiston, ID-WA | 2 | $ 329,000 | $ 164,500 | $ 56,000 |
| Lima, OH | 2 | $ 297,000 | $ 148,500 | $ 98,000 |
| Monroe, LA | 2 | $ 179,000 | $ 89,500 | $ 30,000 |
| Morgantown, WV | 2 | $ 323,000 | $ 161,500 | $ 74,000 |
| San Angelo, TX | 2 | $ 351,000 | $ 175,500 | $ 150,000 |
| Sandusky, OH | 2 | $ 358,000 | $ 179,000 | $ 92,000 |
| Shreveport-Bossier City, LA | 2 | $ 393,000 | $ 196,500 | $ 136,000 |
| Springfield, IL | 2 | $ 303,000 | $ 151,500 | $ 66,000 |
| Wichita Falls, TX | 2 | $ 347,000 | $ 173,500 | $ 170,000 |
| Ames, IA | 1 | $ 233,000 | $ 233,000 | $ 98,000 |
| Anderson, IN | 1 | $ 80,000 | $ 80,000 | $ 57,000 |
| Bay City, MI | 1 | $ 40,000 | $ 40,000 | $ 12,000 |
| Casper, WY | 1 | $ 121,000 | $ 121,000 | $ 53,000 |
| Clarksville, TN-KY | 1 | $ 54,000 | $ 54,000 | $ 8,000 |
| Danville, IL | 1 | $ 95,000 | $ 95,000 | $ 47,000 |
| Iowa City, IA | 1 | $ 91,000 | $ 91,000 | $ 42,000 |
| Jackson, MI | 1 | $ 117,000 | $ 117,000 | $ 43,000 |
| Jackson, TN | 1 | $ 148,000 | $ 148,000 | $ 61,000 |
| La Crosse, WI-MN | 1 | $ 128,000 | $ 128,000 | $ 72,000 |
| Laredo, TX | 1 | $ 290,000 | $ 290,000 | $ 429,000 |
| Longview, WA | 1 | $ 399,000 | $ 399,000 | $ 117,000 |
| Mansfield, OH | 1 | $ 138,000 | $ 138,000 | $ 160,000 |
| Muncie, IN | 1 | $ 160,000 | $ 160,000 | $ 98,000 |
| Odessa, TX | 1 | $ 62,000 | $ 62,000 | $ 27,000 |
| Pine Bluff, AR | 1 | $ 135,000 | $ 135,000 | $ 110,000 |
| Saginaw-Saginaw Township North, MI | 1 | $ 100,000 | $ 100,000 | $ 80,000 |
| St. Cloud, MN | 1 | $ 85,000 | $ 85,000 | $ 14,000 |
| Terre Haute, IN | 1 | $ 79,000 | $ 79,000 | $ 48,000 |
| Victoria, TX | 1 | $ 72,000 | $ 72,000 | $ 60,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 248,000 | $ 248,000 | $ 437,000 |
| Wausau, WI | 1 | $ 92,000 | $ 92,000 | $ 59,000 |
Mortgage Loan Application Detail Totals for Wachovia Mortgage FSB 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 | 100,858 | $26,169,725,000 | $259,000 | $13,000,000 | $101,000 | $9,999,000 |
| Home Purchase | 9,867 | $2,330,620,000 | $236,000 | $7,000,000 | $111,000 | $8,000,000 |
| Home Improvement | 1,317 | $376,496,000 | $285,000 | $8,000,000 | $53,000 | $2,854,000 |
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 | 49,583 | $12,369,208,000 | $249,000 | $8,000,000 | $113,000 | $9,227,000 |
| Not Provided | 32,439 | $8,565,431,000 | $264,000 | $13,000,000 | $124,000 | $9,999,000 |
| Hispanic | 10,476 | $2,680,612,000 | $255,000 | $1,890,000 | $69,000 | $2,955,000 |
| Not applicable | 8,354 | $2,306,795,000 | $276,000 | $3,035,000 | $0 | $0 |
| Black or African American | 6,326 | $1,474,612,000 | $233,000 | $3,975,000 | $76,000 | $2,940,000 |
| Asian | 3,984 | $1,211,933,000 | $304,000 | $3,000,000 | $104,000 | $4,003,000 |
| Native Hawaiian or Other Pacific Islander | 631 | $200,297,000 | $317,000 | $1,330,000 | $90,000 | $433,000 |
| American Indian or Alaskan Native | 249 | $67,953,000 | $272,000 | $2,000,000 | $95,000 | $1,929,000 |
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) | 74,810 | $18,138,405,000 | $242,000 | $13,000,000 | $115,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 36,629 | $10,620,281,000 | $289,000 | $1,237,000 | $74,000 | $4,200,000 |
| VA-guaranteed (Veterans Administration) | 603 | $118,155,000 | $195,000 | $813,000 | $67,000 | $600,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 41,525 | $11,950,055,000 | $287,000 | $13,000,000 | $100,000 | $9,999,000 |
| Loan Originated | 41,121 | $9,047,294,000 | $220,000 | $3,035,000 | $124,000 | $9,999,000 |
| File Closed For Incompleteness | 14,039 | $3,949,613,000 | $281,000 | $2,450,000 | $90,000 | $3,640,000 |
| Loan Purchased By The Institution | 8,348 | $2,301,801,000 | $275,000 | $3,033,000 | $0 | $0 |
| Application Approved But Not Accepted | 3,786 | $861,608,000 | $227,000 | $8,000,000 | $122,000 | $2,400,000 |
| Application Withdrawn By Applicant | 3,223 | $766,470,000 | $237,000 | $2,500,000 | $112,000 | $4,200,000 |
| 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 | 15,316 | $4,637,184,000 | $302,000 | $6,500,000 | $63,000 | $2,000,000 |
| Collateral | 9,931 | $2,621,875,000 | $264,000 | $7,410,000 | $125,000 | $5,763,000 |
| Credit History | 6,743 | $1,933,109,000 | $286,000 | $6,720,000 | $88,000 | $4,603,000 |
| Credit Application Incomplete | 4,648 | $1,342,336,000 | $288,000 | $7,000,000 | $155,000 | $8,000,000 |
| Other | 3,669 | $1,062,156,000 | $289,000 | $13,000,000 | $126,000 | $9,999,000 |
| Unverifiable Information | 509 | $141,103,000 | $277,000 | $3,000,000 | $123,000 | $3,456,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 395 | $134,746,000 | $341,000 | $6,000,000 | $159,000 | $3,142,000 |
| Employment History | 247 | $61,143,000 | $247,000 | $2,000,000 | $94,000 | $1,058,000 |
| Mortgage Insurance Denied | 67 | $16,403,000 | $244,000 | $1,044,000 | $104,000 | $540,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Wachovia Mortgage FSB'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 Wachovia Mortgage FSB'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 North Carolina, download the full spreadsheet
with aggregated HMDA statistics today.
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