Wright Experss Fsc Mortgage Lending & HMDA Data, 2003
In 2003, Wright Experss Fsc of Salt Lake City, UT reported 3,156 mortgage applications totaling $434.0 million. The average application was for $137,522, and applicants reported an average income of $68,998. 8% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Minneapolis-St. Paul, MN-WI (258), Baltimore, MD (144) and Chicago, IL (131) (applications in parentheses).
| Mortgage Company & Address | Wright Experss Fsc 3995 South 700 East, Suite 450 Salt Lake City, UT 84107 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2004 2003 |
| Total Number of Mortgage Applications | 3,156 |
| Total Mortgage Loan Application Amount | $434,021,000 |
| Average Mortgage Loan Application Amount | $137,522 |
| Highest Mortgage Loan Application Amount | $599,000 |
| Average Applicant Income | $68,998 |
| Highest Applicant Income | $600,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Wright Experss Fsc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Minneapolis-St. Paul, MN-WI | 258 | $ 45,767,000 | $ 177,391 | $ 78,000 |
| Baltimore, MD | 144 | $ 26,532,000 | $ 184,250 | $ 88,000 |
| Chicago, IL | 131 | $ 22,330,000 | $ 170,458 | $ 86,000 |
| Atlanta, GA | 105 | $ 17,369,000 | $ 165,419 | $ 82,000 |
| Fort Worth-Arlington, TX | 83 | $ 9,448,000 | $ 113,831 | $ 58,000 |
| Philadelphia, PA-NJ | 82 | $ 12,590,000 | $ 153,536 | $ 92,000 |
| Pittsburgh, PA | 80 | $ 8,352,000 | $ 104,400 | $ 59,000 |
| Newark, NJ | 49 | $ 12,148,000 | $ 247,918 | $ 108,000 |
| Dallas, TX | 45 | $ 5,835,000 | $ 129,666 | $ 73,000 |
| St. Louis, MO-IL | 39 | $ 4,465,000 | $ 114,487 | $ 63,000 |
| Houston, TX | 37 | $ 4,871,000 | $ 131,648 | $ 116,000 |
| Louisville, KY-IN | 35 | $ 4,053,000 | $ 115,800 | $ 54,000 |
| Phoenix-Mesa, AZ | 32 | $ 4,903,000 | $ 153,218 | $ 74,000 |
| Columbus, OH | 28 | $ 3,398,000 | $ 121,357 | $ 66,000 |
| Portland-Vancouver, OR-WA | 27 | $ 4,702,000 | $ 174,148 | $ 70,000 |
| Tucson, AZ | 27 | $ 3,736,000 | $ 138,370 | $ 62,000 |
| Columbia, SC | 26 | $ 3,069,000 | $ 118,038 | $ 54,000 |
| New York, NY | 26 | $ 6,117,000 | $ 235,269 | $ 95,000 |
| Cincinnati, OH-KY-IN | 24 | $ 2,686,000 | $ 111,916 | $ 55,000 |
| Orlando, FL | 23 | $ 3,364,000 | $ 146,260 | $ 71,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 23 | $ 1,969,000 | $ 85,608 | $ 53,000 |
| Middlesex-Somerset-Hunterdon, NJ | 22 | $ 4,819,000 | $ 219,045 | $ 101,000 |
| Bergen-Passaic, NJ | 21 | $ 5,305,000 | $ 252,619 | $ 101,000 |
| Seattle-Bellevue-Everett, WA | 21 | $ 4,294,000 | $ 204,476 | $ 78,000 |
| Buffalo-Niagara Falls, NY | 20 | $ 1,562,000 | $ 78,100 | $ 56,000 |
| Denver, CO | 20 | $ 3,616,000 | $ 180,800 | $ 87,000 |
| Memphis, TN-AR-MS | 20 | $ 2,681,000 | $ 134,050 | $ 70,000 |
| San Antonio, TX | 19 | $ 1,895,000 | $ 99,736 | $ 60,000 |
| Tampa-St. Petersburg-Clearwater, FL | 19 | $ 2,354,000 | $ 123,894 | $ 63,000 |
| Cleveland-Lorain-Elyria, OH | 18 | $ 2,076,000 | $ 115,333 | $ 69,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 17 | $ 1,690,000 | $ 99,411 | $ 56,000 |
| Mobile, AL | 17 | $ 1,959,000 | $ 115,235 | $ 55,000 |
| Nassau-Suffolk, NY | 17 | $ 3,747,000 | $ 220,411 | $ 118,000 |
| Harrisburg-Lebanon-Carlisle, PA | 16 | $ 1,665,000 | $ 104,062 | $ 54,000 |
| Jacksonville, FL | 16 | $ 1,491,000 | $ 93,187 | $ 52,000 |
| Colorado Springs, CO | 15 | $ 2,782,000 | $ 185,466 | $ 92,000 |
| Detroit, MI | 14 | $ 2,340,000 | $ 167,142 | $ 81,000 |
| Fayetteville-Springdale-Rogers, AR | 14 | $ 1,523,000 | $ 108,785 | $ 59,000 |
| Richmond-Petersburg, VA | 14 | $ 2,052,000 | $ 146,571 | $ 64,000 |
| El Paso, TX | 13 | $ 1,759,000 | $ 135,307 | $ 84,000 |
| Omaha, NE-IA | 13 | $ 1,439,000 | $ 110,692 | $ 63,000 |
| York, PA | 13 | $ 1,478,000 | $ 113,692 | $ 55,000 |
| Albany-Schenectady-Troy, NY | 12 | $ 1,423,000 | $ 118,583 | $ 67,000 |
| Evansville-Henderson, IN-KY | 12 | $ 1,293,000 | $ 107,750 | $ 64,000 |
| Monmouth-Ocean, NJ | 12 | $ 2,186,000 | $ 182,166 | $ 104,000 |
| New Orleans, LA | 12 | $ 1,371,000 | $ 114,250 | $ 53,000 |
| St. Cloud, MN | 12 | $ 1,591,000 | $ 132,583 | $ 45,000 |
| Austin-San Marcos, TX | 11 | $ 1,419,000 | $ 129,000 | $ 75,000 |
| Fort Lauderdale, FL | 11 | $ 1,268,000 | $ 115,272 | $ 82,000 |
| Little Rock-North Little Rock, AR | 11 | $ 1,313,000 | $ 119,363 | $ 67,000 |
| Los Angeles-Long Beach, CA | 11 | $ 2,368,000 | $ 215,272 | $ 90,000 |
| Nashville, TN | 11 | $ 1,403,000 | $ 127,545 | $ 58,000 |
| Newburgh, NY-PA | 11 | $ 1,831,000 | $ 166,454 | $ 87,000 |
| Rochester, NY | 11 | $ 1,117,000 | $ 101,545 | $ 58,000 |
| Youngstown-Warren, OH | 11 | $ 819,000 | $ 74,454 | $ 42,000 |
| Gary, IN | 10 | $ 1,162,000 | $ 116,200 | $ 68,000 |
| Jersey City, NJ | 10 | $ 2,362,000 | $ 236,200 | $ 97,000 |
| Miami, FL | 10 | $ 1,919,000 | $ 191,900 | $ 90,000 |
| Rochester, MN | 10 | $ 1,182,000 | $ 118,200 | $ 53,000 |
| Dayton-Springfield, OH | 9 | $ 781,000 | $ 86,777 | $ 57,000 |
| Hartford, CT | 9 | $ 1,522,000 | $ 169,111 | $ 81,000 |
| Oklahoma City, OK | 9 | $ 831,000 | $ 92,333 | $ 54,000 |
| Redding, CA | 9 | $ 1,671,000 | $ 185,666 | $ 81,000 |
| Trenton, NJ | 9 | $ 1,413,000 | $ 157,000 | $ 91,000 |
| Yuma, AZ | 9 | $ 952,000 | $ 105,777 | $ 45,000 |
| Allentown-Bethlehem-Easton, PA | 8 | $ 905,000 | $ 113,125 | $ 65,000 |
| Appleton-Oshkosh-Neenah, WI | 8 | $ 1,076,000 | $ 134,500 | $ 79,000 |
| Boston, MA-NH | 8 | $ 1,646,000 | $ 205,750 | $ 75,000 |
| Brazoria, TX | 8 | $ 966,000 | $ 120,750 | $ 66,000 |
| Davenport-Moline-Rock Island, IA-IL | 8 | $ 691,000 | $ 86,375 | $ 51,000 |
| Greensboro--Winston-Salem--High Point, NC | 8 | $ 817,000 | $ 102,125 | $ 66,000 |
| Kansas City, MO-KS | 8 | $ 887,000 | $ 110,875 | $ 49,000 |
| Knoxville, TN | 8 | $ 836,000 | $ 104,500 | $ 49,000 |
| Pensacola, FL | 8 | $ 776,000 | $ 97,000 | $ 56,000 |
| Akron, OH | 7 | $ 925,000 | $ 132,142 | $ 54,000 |
| Ann Arbor, MI | 7 | $ 912,000 | $ 130,285 | $ 78,000 |
| Charleston, WV | 7 | $ 723,000 | $ 103,285 | $ 82,000 |
| Hamilton-Middletown, OH | 7 | $ 958,000 | $ 136,857 | $ 70,000 |
| Indianapolis, IN | 7 | $ 864,000 | $ 123,428 | $ 57,000 |
| Milwaukee-Waukesha, WI | 7 | $ 789,000 | $ 112,714 | $ 59,000 |
| Savannah, GA | 7 | $ 784,000 | $ 112,000 | $ 54,000 |
| Tacoma, WA | 7 | $ 1,054,000 | $ 150,571 | $ 73,000 |
| Tulsa, OK | 7 | $ 699,000 | $ 99,857 | $ 101,000 |
| West Palm Beach-Boca Raton, FL | 7 | $ 1,532,000 | $ 218,857 | $ 116,000 |
| Des Moines, IA | 6 | $ 813,000 | $ 135,500 | $ 62,000 |
| Huntsville, AL | 6 | $ 710,000 | $ 118,333 | $ 61,000 |
| Longview-Marshall, TX | 6 | $ 627,000 | $ 104,500 | $ 61,000 |
| New Haven-Meriden, CT | 6 | $ 1,259,000 | $ 209,833 | $ 129,000 |
| Orange County, CA | 6 | $ 1,495,000 | $ 249,166 | $ 105,000 |
| Riverside-San Bernardino, CA | 6 | $ 762,000 | $ 127,000 | $ 60,000 |
| Sacramento, CA | 6 | $ 1,602,000 | $ 267,000 | $ 93,000 |
| Sioux City, IA-NE | 6 | $ 499,000 | $ 83,166 | $ 47,000 |
| Albuquerque, NM | 5 | $ 680,000 | $ 136,000 | $ 86,000 |
| Bridgeport, CT | 5 | $ 997,000 | $ 199,400 | $ 118,000 |
| Corpus Christi, TX | 5 | $ 455,000 | $ 91,000 | $ 76,000 |
| Fort Smith, AR-OK | 5 | $ 446,000 | $ 89,200 | $ 47,000 |
| Jackson, MS | 5 | $ 578,000 | $ 115,600 | $ 60,000 |
| Las Vegas, NV-AZ | 5 | $ 1,044,000 | $ 208,800 | $ 101,000 |
| Myrtle Beach, SC | 5 | $ 554,000 | $ 110,800 | $ 53,000 |
| Raleigh-Durham-Chapel Hill, NC | 5 | $ 653,000 | $ 130,600 | $ 76,000 |
| Reading, PA | 5 | $ 500,000 | $ 100,000 | $ 57,000 |
| Shreveport-Bossier City, LA | 5 | $ 520,000 | $ 104,000 | $ 55,000 |
| Toledo, OH | 5 | $ 559,000 | $ 111,800 | $ 55,000 |
| Victoria, TX | 5 | $ 645,000 | $ 129,000 | $ 73,000 |
| Baton Rouge, LA | 4 | $ 357,000 | $ 89,250 | $ 41,000 |
| Beaumont-Port Arthur, TX | 4 | $ 364,000 | $ 91,000 | $ 63,000 |
| Birmingham, AL | 4 | $ 297,000 | $ 74,250 | $ 50,000 |
| Brockton, MA | 4 | $ 988,000 | $ 247,000 | $ 72,000 |
| Columbia, MO | 4 | $ 376,000 | $ 94,000 | $ 65,000 |
| Fort Collins-Loveland, CO | 4 | $ 709,000 | $ 177,250 | $ 42,000 |
| Fort Myers-Cape Coral, FL | 4 | $ 433,000 | $ 108,250 | $ 51,000 |
| Fort Pierce-Port St. Lucie, FL | 4 | $ 461,000 | $ 115,250 | $ 55,000 |
| Greenville-Spartanburg-Anderson, SC | 4 | $ 511,000 | $ 127,750 | $ 57,000 |
| Lake Charles, LA | 4 | $ 402,000 | $ 100,500 | $ 66,000 |
| Lakeland-Winter Haven, FL | 4 | $ 381,000 | $ 95,250 | $ 54,000 |
| Lancaster, PA | 4 | $ 620,000 | $ 155,000 | $ 69,000 |
| Lynchburg, VA | 4 | $ 314,000 | $ 78,500 | $ 42,000 |
| Macon, GA | 4 | $ 592,000 | $ 148,000 | $ 68,000 |
| Monroe, LA | 4 | $ 516,000 | $ 129,000 | $ 95,000 |
| Naples, FL | 4 | $ 498,000 | $ 124,500 | $ 60,000 |
| Norfolk-Virginia Beach-Newport News, VA-NC | 4 | $ 411,000 | $ 102,750 | $ 72,000 |
| Odessa-Midland, TX | 4 | $ 320,000 | $ 80,000 | $ 65,000 |
| Providence-Fall River-Warwick, RI-MA | 4 | $ 747,000 | $ 186,750 | $ 112,000 |
| Rockford, IL | 4 | $ 590,000 | $ 147,500 | $ 63,000 |
| San Diego, CA | 4 | $ 1,205,000 | $ 301,250 | $ 100,000 |
| St. Joseph, MO | 4 | $ 265,000 | $ 66,250 | $ 35,000 |
| Syracuse, NY | 4 | $ 376,000 | $ 94,000 | $ 54,000 |
| Vallejo-Fairfield-Napa, CA | 4 | $ 1,279,000 | $ 319,750 | $ 83,000 |
| Washington, DC-MD-VA-WV | 4 | $ 929,000 | $ 232,250 | $ 73,000 |
| Wilmington-Newark, DE-MD | 4 | $ 674,000 | $ 168,500 | $ 74,000 |
| Alexandria, LA | 3 | $ 272,000 | $ 90,666 | $ 48,000 |
| Anniston, AL | 3 | $ 245,000 | $ 81,666 | $ 50,000 |
| Boise City, ID | 3 | $ 335,000 | $ 111,666 | $ 59,000 |
| Bryan-College Station, TX | 3 | $ 193,000 | $ 64,333 | $ 37,000 |
| Chattanooga, TN-GA | 3 | $ 275,000 | $ 91,666 | $ 48,000 |
| Cumberland, MD-WV | 3 | $ 173,000 | $ 57,666 | $ 41,000 |
| Daytona Beach, FL | 3 | $ 269,000 | $ 89,666 | $ 42,000 |
| Decatur, AL | 3 | $ 205,000 | $ 68,333 | $ 34,000 |
| Dover, DE | 3 | $ 352,000 | $ 117,333 | $ 38,000 |
| Fayetteville, NC | 3 | $ 429,000 | $ 143,000 | $ 82,000 |
| Flagstaff, AZ-UT | 3 | $ 535,000 | $ 178,333 | $ 99,000 |
| Florence, SC | 3 | $ 561,000 | $ 187,000 | $ 88,000 |
| Gainesville, FL | 3 | $ 250,000 | $ 83,333 | $ 45,000 |
| Glens Falls, NY | 3 | $ 303,000 | $ 101,000 | $ 85,000 |
| Grand Junction, CO | 3 | $ 329,000 | $ 109,666 | $ 54,000 |
| Jackson, TN | 3 | $ 330,000 | $ 110,000 | $ 62,000 |
| Jamestown, NY | 3 | $ 271,000 | $ 90,333 | $ 53,000 |
| Kalamazoo-Battle Creek, MI | 3 | $ 228,000 | $ 76,000 | $ 42,000 |
| Lansing-East Lansing, MI | 3 | $ 340,000 | $ 113,333 | $ 49,000 |
| Las Cruces, NM | 3 | $ 412,000 | $ 137,333 | $ 67,000 |
| Lexington, KY | 3 | $ 274,000 | $ 91,333 | $ 47,000 |
| Montgomery, AL | 3 | $ 260,000 | $ 86,666 | $ 58,000 |
| Punta Gorda, FL | 3 | $ 598,000 | $ 199,333 | $ 74,000 |
| Reno, NV | 3 | $ 358,000 | $ 119,333 | $ 45,000 |
| Rocky Mount, NC | 3 | $ 278,000 | $ 92,666 | $ 43,000 |
| Salem, OR | 3 | $ 320,000 | $ 106,666 | $ 56,000 |
| Springfield, MA | 3 | $ 360,000 | $ 120,000 | $ 52,000 |
| Tallahassee, FL | 3 | $ 243,000 | $ 81,000 | $ 59,000 |
| Topeka, KS | 3 | $ 246,000 | $ 82,000 | $ 66,000 |
| Tyler, TX | 3 | $ 292,000 | $ 97,333 | $ 60,000 |
| Wichita, KS | 3 | $ 314,000 | $ 104,666 | $ 43,000 |
| Worcester, MA-CT | 3 | $ 466,000 | $ 155,333 | $ 70,000 |
| Atlantic-Cape May, NJ | 2 | $ 133,000 | $ 66,500 | $ 33,000 |
| Auburn-Opelika, AL | 2 | $ 138,000 | $ 69,000 | $ 30,000 |
| Augusta-Aiken, GA-SC | 2 | $ 227,000 | $ 113,500 | $ 65,000 |
| Bangor, ME | 2 | $ 270,000 | $ 135,000 | $ 110,000 |
| Benton Harbor, MI | 2 | $ 136,000 | $ 68,000 | $ 34,000 |
| Bismarck, ND | 2 | $ 194,000 | $ 97,000 | $ 52,000 |
| Bremerton, WA | 2 | $ 306,000 | $ 153,000 | $ 66,000 |
| Burlington, VT | 2 | $ 424,000 | $ 212,000 | $ 128,000 |
| Charleston-North Charleston, SC | 2 | $ 273,000 | $ 136,500 | $ 63,000 |
| Charlottesville, VA | 2 | $ 294,000 | $ 147,000 | $ 68,000 |
| Danbury, CT | 2 | $ 304,000 | $ 152,000 | $ 78,000 |
| Duluth-Superior, MN-WI | 2 | $ 96,000 | $ 48,000 | $ 38,000 |
| Dutchess County, NY | 2 | $ 388,000 | $ 194,000 | $ 108,000 |
| Gadsden, AL | 2 | $ 78,000 | $ 39,000 | $ 17,000 |
| Galveston-Texas City, TX | 2 | $ 176,000 | $ 88,000 | $ 43,000 |
| Greeley, CO | 2 | $ 347,000 | $ 173,500 | $ 62,000 |
| Hagerstown, MD | 2 | $ 239,000 | $ 119,500 | $ 49,000 |
| Johnstown, PA | 2 | $ 209,000 | $ 104,500 | $ 67,000 |
| Joplin, MO | 2 | $ 162,000 | $ 81,000 | $ 39,000 |
| Kokomo, IN | 2 | $ 137,000 | $ 68,500 | $ 25,000 |
| Lafayette, IN | 2 | $ 234,000 | $ 117,000 | $ 51,000 |
| Lafayette, LA | 2 | $ 109,000 | $ 54,500 | $ 22,000 |
| Lawrence, MA-NH | 2 | $ 463,000 | $ 231,500 | $ 75,000 |
| Lincoln, NE | 2 | $ 237,000 | $ 118,500 | $ 39,000 |
| Lowell, MA-NH | 2 | $ 417,000 | $ 208,500 | $ 103,000 |
| Mansfield, OH | 2 | $ 161,000 | $ 80,500 | $ 43,000 |
| McAllen-Edinburg-Mission, TX | 2 | $ 129,000 | $ 64,500 | $ 56,000 |
| Melbourne-Titusville-Palm Bay, FL | 2 | $ 118,000 | $ 59,000 | $ 29,000 |
| Merced, CA | 2 | $ 127,000 | $ 63,500 | $ 41,000 |
| Nashua, NH | 2 | $ 548,000 | $ 274,000 | $ 97,000 |
| New London-Norwich, CT-RI | 2 | $ 265,000 | $ 132,500 | $ 149,000 |
| Oakland, CA | 2 | $ 223,000 | $ 111,500 | $ 116,000 |
| Portsmouth-Rochester, NH-ME | 2 | $ 300,000 | $ 150,000 | $ 74,000 |
| Racine, WI | 2 | $ 161,000 | $ 80,500 | $ 35,000 |
| Richland-Kennewick-Pasco, WA | 2 | $ 242,000 | $ 121,000 | $ 70,000 |
| Salt Lake City-Ogden, UT | 2 | $ 294,000 | $ 147,000 | $ 66,000 |
| San Angelo, TX | 2 | $ 179,000 | $ 89,500 | $ 43,000 |
| Sarasota-Bradenton, FL | 2 | $ 192,000 | $ 96,000 | $ 38,000 |
| Sioux Falls, SD | 2 | $ 184,000 | $ 92,000 | $ 62,000 |
| Springfield, MO | 2 | $ 145,000 | $ 72,500 | $ 29,000 |
| Tuscaloosa, AL | 2 | $ 204,000 | $ 102,000 | $ 39,000 |
| Utica-Rome, NY | 2 | $ 200,000 | $ 100,000 | $ 57,000 |
| Vineland-Millville-Bridgeton, NJ | 2 | $ 264,000 | $ 132,000 | $ 65,000 |
| Wichita Falls, TX | 2 | $ 239,000 | $ 119,500 | $ 70,000 |
| Abilene, TX | 1 | $ 52,000 | $ 52,000 | $ 33,000 |
| Amarillo, TX | 1 | $ 70,000 | $ 70,000 | $ 40,000 |
| Bakersfield, CA | 1 | $ 174,000 | $ 174,000 | $ 94,000 |
| Billings, MT | 1 | $ 68,000 | $ 68,000 | $ 31,000 |
| Binghamton, NY | 1 | $ 91,000 | $ 91,000 | $ 62,000 |
| Bloomington, IN | 1 | $ 106,000 | $ 106,000 | $ 36,000 |
| Boulder-Longmont, CO | 1 | $ 280,000 | $ 280,000 | $ 103,000 |
| Cedar Rapids, IA | 1 | $ 133,000 | $ 133,000 | $ 95,000 |
| Champaign-Urbana, IL | 1 | $ 44,000 | $ 44,000 | $ 31,000 |
| Corvallis, OR | 1 | $ 105,000 | $ 105,000 | $ 81,000 |
| Danville, VA | 1 | $ 112,000 | $ 112,000 | $ 105,000 |
| Dothan, AL | 1 | $ 78,000 | $ 78,000 | $ 34,000 |
| Dubuque, IA | 1 | $ 78,000 | $ 78,000 | $ 87,000 |
| Elkhart-Goshen, IN | 1 | $ 77,000 | $ 77,000 | $ 37,000 |
| Enid, OK | 1 | $ 38,000 | $ 38,000 | $ 29,000 |
| Erie, PA | 1 | $ 32,000 | $ 32,000 | $ 39,000 |
| Fitchburg-Leominster, MA | 1 | $ 181,000 | $ 181,000 | $ 70,000 |
| Flint, MI | 1 | $ 41,000 | $ 41,000 | $ 35,000 |
| Fort Walton Beach, FL | 1 | $ 90,000 | $ 90,000 | $ 97,000 |
| Grand Rapids-Muskegon-Holland, MI | 1 | $ 40,000 | $ 40,000 | $ 52,000 |
| Green Bay, WI | 1 | $ 195,000 | $ 195,000 | $ 95,000 |
| Greenville, NC | 1 | $ 120,000 | $ 120,000 | $ 38,000 |
| Hattiesburg, MS | 1 | $ 323,000 | $ 323,000 | $ 208,000 |
| Houma, LA | 1 | $ 75,000 | $ 75,000 | $ 37,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 64,000 | $ 64,000 | $ 28,000 |
| Jackson, MI | 1 | $ 96,000 | $ 96,000 | $ 44,000 |
| Jacksonville, NC | 1 | $ 72,000 | $ 72,000 | $ 48,000 |
| Janesville-Beloit, WI | 1 | $ 73,000 | $ 73,000 | $ 54,000 |
| Killeen-Temple, TX | 1 | $ 43,000 | $ 43,000 | $ 33,000 |
| La Crosse, WI-MN | 1 | $ 81,000 | $ 81,000 | $ 45,000 |
| Laredo, TX | 1 | $ 86,000 | $ 86,000 | $ 88,000 |
| Manchester, NH | 1 | $ 178,000 | $ 178,000 | $ 66,000 |
| New Bedford, MA | 1 | $ 154,000 | $ 154,000 | $ 99,000 |
| Owensboro, KY | 1 | $ 98,000 | $ 98,000 | $ 36,000 |
| Panama City, FL | 1 | $ 71,000 | $ 71,000 | $ 23,000 |
| Parkersburg-Marietta, WV-OH | 1 | $ 114,000 | $ 114,000 | $ 35,000 |
| Pine Bluff, AR | 1 | $ 40,000 | $ 40,000 | $ 19,000 |
| Provo-Orem, UT | 1 | $ 47,000 | $ 47,000 | $ 40,000 |
| Rapid City, SD | 1 | $ 107,000 | $ 107,000 | $ 42,000 |
| Roanoke, VA | 1 | $ 106,000 | $ 106,000 | $ 48,000 |
| Saginaw-Bay City-Midland, MI | 1 | $ 126,000 | $ 126,000 | $ 64,000 |
| Salinas, CA | 1 | $ 230,000 | $ 230,000 | $ 68,000 |
| San Francisco, CA | 1 | $ 484,000 | $ 484,000 | $ 170,000 |
| San Jose, CA | 1 | $ 547,000 | $ 547,000 | $ 223,000 |
| Santa Barbara-Santa Maria-Lompoc, CA | 1 | $ 149,000 | $ 149,000 | $ 50,000 |
| Sharon, PA | 1 | $ 49,000 | $ 49,000 | $ 37,000 |
| Sherman-Denison, TX | 1 | $ 126,000 | $ 126,000 | $ 61,000 |
| Steubenville-Weirton, OH-WV | 1 | $ 33,000 | $ 33,000 | $ 29,000 |
| Stockton-Lodi, CA | 1 | $ 78,000 | $ 78,000 | $ 45,000 |
| Waco, TX | 1 | $ 37,000 | $ 37,000 | $ 50,000 |
| Wheeling, WV-OH | 1 | $ 19,000 | $ 19,000 | $ 31,000 |
| Wilmington, NC | 1 | $ 116,000 | $ 116,000 | $ 44,000 |
| Yolo, CA | 1 | $ 274,000 | $ 274,000 | $ 92,000 |
| Yuba City, CA | 1 | $ 176,000 | $ 176,000 | $ 65,000 |
Mortgage Loan Application Detail Totals for Wright Experss Fsc in 2003
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 (one-to-four family) | 2,191 | $305,646,000 | $138,163 | $599,000 | $65,040 | $600,000 |
| Refinancing (home purchase or home improvement, one-to-four family) | 965 | $128,375,000 | $121,020 | $547,000 | $73,479 | $496,000 |
| Home Improvement (one-to-four family) | 0 | $0 | $0 | $0 | $0 | $0 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 | 1,523 | $211,420,000 | $136,100 | $599,000 | $70,740 | $496,000 |
| Information not provided by applicant in mail or telephone application | 1,281 | $175,923,000 | $134,416 | $548,000 | $66,687 | $600,000 |
| Black | 137 | $15,381,000 | $117,451 | $303,000 | $60,225 | $192,000 |
| Hispanic | 98 | $11,788,000 | $124,357 | $320,000 | $59,071 | $194,000 |
| Other | 60 | $10,030,000 | $143,960 | $332,000 | $73,320 | $249,000 |
| Asian or Pacific Islander | 48 | $8,518,000 | $173,666 | $487,000 | $81,619 | $233,000 |
| American Indian or Alaskan Native | 9 | $961,000 | $106,777 | $175,000 | $60,555 | $164,000 |
| 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) | 2,004 | $313,713,000 | $147,700 | $599,000 | $78,300 | $600,000 |
| FHA-insured (Federal Housing Administration) | 1,152 | $120,308,000 | $109,489 | $317,000 | $51,755 | $370,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Approved But Not Accepted | 2,085 | $290,817,000 | $133,306 | $332,000 | $71,326 | $496,000 |
| Application Denied By Financial Institution | 476 | $76,077,000 | $145,333 | $599,000 | $65,895 | $493,000 |
| Application Withdrawn By Applicant | 346 | $37,064,000 | $107,476 | $352,000 | $53,214 | $252,000 |
| Loan Originated | 249 | $30,063,000 | $117,512 | $323,000 | $56,926 | $600,000 |
| Loan Purchased By The Institution | 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Wright Experss Fsc's 2003 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 Wright Experss Fsc'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 Utah, download the full spreadsheet
with aggregated HMDA statistics today.
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