Your Best Rate Financial L.L.C
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Your Best Rate Financial L.L.C 2004 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 | Your Best Rate Financial L.L.C 5909 Peachtree Dunwoody Rd Suite 700 Atlanta, GA 30328 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 2004 2003 |
| Total Number of Mortgage Applications | 889 |
| Total Mortgage Loan Application Amount | $143,293,000 |
| Average Mortgage Loan Application Amount | $163,692 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $86,538 |
| Highest Applicant Income | $1,800,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Your Best Rate Financial L.L.C. 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 Your Best Rate Financial L.L.C's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Your Best Rate Financial L.L.C'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 Your Best Rate Financial L.L.C serves its applicants.
Each category highlights the total number of mortgage applications processed by Your Best Rate Financial L.L.C, 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 Your Best Rate Financial L.L.C's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Fulton County Georgia | 73 | $ 14,397,000 | $ 197,000 | $ 96,000 |
| DeKalb County Georgia | 63 | $ 10,525,000 | $ 167,000 | $ 94,000 |
| Cobb County Georgia | 58 | $ 11,133,000 | $ 191,000 | $ 121,000 |
| Gwinnett County Georgia | 58 | $ 9,751,000 | $ 168,000 | $ 84,000 |
| Clark County Nevada | 29 | $ 6,575,000 | $ 226,000 | $ 102,000 |
| Clayton County Georgia | 25 | $ 3,004,000 | $ 120,000 | $ 52,000 |
| Jefferson County Alabama | 17 | $ 2,277,000 | $ 133,000 | $ 48,000 |
| Henry County Georgia | 17 | $ 2,415,000 | $ 142,000 | $ 83,000 |
| Forsyth County Georgia | 15 | $ 2,894,000 | $ 192,000 | $ 74,000 |
| Shelby County Tennessee | 14 | $ 1,914,000 | $ 136,000 | $ 69,000 |
| Paulding County Georgia | 13 | $ 1,688,000 | $ 129,000 | $ 112,000 |
| Orange County Florida | 11 | $ 1,726,000 | $ 156,000 | $ 70,000 |
| Fayette County Georgia | 11 | $ 2,250,000 | $ 204,000 | $ 169,000 |
| Broward County Florida | 10 | $ 1,758,000 | $ 175,000 | $ 78,000 |
| Cherokee County Georgia | 10 | $ 1,919,000 | $ 191,000 | $ 102,000 |
| Newton County Georgia | 10 | $ 1,189,000 | $ 118,000 | $ 56,000 |
| Madison County Alabama | 8 | $ 1,206,000 | $ 150,000 | $ 66,000 |
| Brevard County Florida | 8 | $ 1,106,000 | $ 138,000 | $ 69,000 |
| Pinellas County Florida | 8 | $ 1,455,000 | $ 181,000 | $ 543,000 |
| Chatham County Georgia | 8 | $ 2,306,000 | $ 288,000 | $ 118,000 |
| Bay County Florida | 6 | $ 622,000 | $ 103,000 | $ 59,000 |
| Duval County Florida | 6 | $ 828,000 | $ 138,000 | $ 70,000 |
| Palm Beach County Florida | 6 | $ 901,000 | $ 150,000 | $ 93,000 |
| Sarasota County Florida | 6 | $ 1,146,000 | $ 191,000 | $ 54,000 |
| Bartow County Georgia | 6 | $ 854,000 | $ 142,000 | $ 59,000 |
| Coweta County Georgia | 6 | $ 915,000 | $ 152,000 | $ 60,000 |
| Douglas County Georgia | 6 | $ 1,159,000 | $ 193,000 | $ 44,000 |
| Rockdale County Georgia | 6 | $ 1,008,000 | $ 168,000 | $ 79,000 |
| Bibb County Georgia | 5 | $ 485,000 | $ 97,000 | $ 31,000 |
| Whitfield County Georgia | 5 | $ 418,000 | $ 83,000 | $ 57,000 |
| Washoe County Nevada | 5 | $ 841,000 | $ 168,000 | $ 71,000 |
| Hamilton County Tennessee | 5 | $ 747,000 | $ 149,000 | $ 65,000 |
| Knox County Tennessee | 5 | $ 568,000 | $ 113,000 | $ 264,000 |
| Mobile County Alabama | 4 | $ 455,000 | $ 113,000 | $ 64,000 |
| Shelby County Alabama | 4 | $ 779,000 | $ 194,000 | $ 62,000 |
| Clay County Florida | 4 | $ 780,000 | $ 195,000 | $ 150,000 |
| Manatee County Florida | 4 | $ 469,000 | $ 117,000 | $ 31,000 |
| Miami-Dade County Florida | 4 | $ 468,000 | $ 117,000 | $ 45,000 |
| Polk County Florida | 4 | $ 521,000 | $ 130,000 | $ 56,000 |
| St. Lucie County Florida | 4 | $ 350,000 | $ 87,000 | $ 41,000 |
| Hall County Georgia | 4 | $ 578,000 | $ 144,000 | $ 60,000 |
| Lowndes County Georgia | 4 | $ 670,000 | $ 167,000 | $ 90,000 |
| Walton County Georgia | 4 | $ 707,000 | $ 176,000 | $ 61,000 |
| Charleston County South Carolina | 4 | $ 1,080,000 | $ 270,000 | $ 144,000 |
| Lexington County South Carolina | 4 | $ 450,000 | $ 112,000 | $ 76,000 |
| Davidson County Tennessee | 4 | $ 609,000 | $ 152,000 | $ 140,000 |
| Baldwin County Alabama | 3 | $ 408,000 | $ 136,000 | $ 86,000 |
| Etowah County Alabama | 3 | $ 264,000 | $ 88,000 | $ 37,000 |
| Lauderdale County Alabama | 3 | $ 276,000 | $ 92,000 | $ 57,000 |
| Talladega County Alabama | 3 | $ 402,000 | $ 134,000 | $ 50,000 |
| Hernando County Florida | 3 | $ 412,000 | $ 137,000 | $ 78,000 |
| Lee County Florida | 3 | $ 478,000 | $ 159,000 | $ 47,000 |
| Pasco County Florida | 3 | $ 383,000 | $ 127,000 | $ 71,000 |
| Volusia County Florida | 3 | $ 362,000 | $ 120,000 | $ 59,000 |
| Richmond County Georgia | 3 | $ 289,000 | $ 96,000 | $ 48,000 |
| Carson City County Nevada | 3 | $ 415,000 | $ 138,000 | $ 97,000 |
| Greenville County South Carolina | 3 | $ 366,000 | $ 122,000 | $ 51,000 |
| Calhoun County Alabama | 2 | $ 568,000 | $ 284,000 | $ 99,000 |
| Cleburne County Alabama | 2 | $ 193,000 | $ 96,000 | $ 42,000 |
| Colbert County Alabama | 2 | $ 258,000 | $ 129,000 | $ 62,000 |
| Lee County Alabama | 2 | $ 201,000 | $ 100,000 | $ 63,000 |
| Montgomery County Alabama | 2 | $ 394,000 | $ 197,000 | $ 69,000 |
| Flagler County Florida | 2 | $ 204,000 | $ 102,000 | $ 28,000 |
| Hillsborough County Florida | 2 | $ 201,000 | $ 100,000 | $ 57,000 |
| Lake County Florida | 2 | $ 230,000 | $ 115,000 | $ 59,000 |
| Martin County Florida | 2 | $ 398,000 | $ 199,000 | $ 54,000 |
| Santa Rosa County Florida | 2 | $ 190,000 | $ 95,000 | $ 63,000 |
| Walton County Florida | 2 | $ 335,000 | $ 167,000 | $ 131,000 |
| Barrow County Georgia | 2 | $ 228,000 | $ 114,000 | $ 53,000 |
| Bryan County Georgia | 2 | $ 444,000 | $ 222,000 | $ 90,000 |
| Carroll County Georgia | 2 | $ 227,000 | $ 113,000 | $ 49,000 |
| Dougherty County Georgia | 2 | $ 162,000 | $ 81,000 | $ 66,000 |
| Gilmer County Georgia | 2 | $ 374,000 | $ 187,000 | $ 34,000 |
| Grady County Georgia | 2 | $ 336,000 | $ 168,000 | $ 95,000 |
| Habersham County Georgia | 2 | $ 304,000 | $ 152,000 | $ 60,000 |
| Houston County Georgia | 2 | $ 200,000 | $ 100,000 | $ 50,000 |
| Murray County Georgia | 2 | $ 142,000 | $ 71,000 | $ 87,000 |
| Oconee County Georgia | 2 | $ 324,000 | $ 162,000 | $ 84,000 |
| Spalding County Georgia | 2 | $ 348,000 | $ 174,000 | $ 45,000 |
| Troup County Georgia | 2 | $ 297,000 | $ 148,000 | $ 58,000 |
| Walker County Georgia | 2 | $ 341,000 | $ 170,000 | $ 51,000 |
| Anderson County South Carolina | 2 | $ 167,000 | $ 83,000 | $ 65,000 |
| Beaufort County South Carolina | 2 | $ 516,000 | $ 258,000 | $ 180,000 |
| Horry County South Carolina | 2 | $ 303,000 | $ 151,000 | $ 53,000 |
| Richland County South Carolina | 2 | $ 243,000 | $ 121,000 | $ 74,000 |
| Obion County Tennessee | 2 | $ 145,000 | $ 72,000 | $ 29,000 |
| Rutherford County Tennessee | 2 | $ 194,000 | $ 97,000 | $ 58,000 |
| Washington County Tennessee | 2 | $ 181,000 | $ 90,000 | $ 65,000 |
| Autauga County Alabama | 1 | $ 116,000 | $ 116,000 | $ 50,000 |
| Barbour County Alabama | 1 | $ 202,000 | $ 202,000 | $ 77,000 |
| Cullman County Alabama | 1 | $ 287,000 | $ 287,000 | $ 200,000 |
| DeKalb County Alabama | 1 | $ 70,000 | $ 70,000 | $ 56,000 |
| Elmore County Alabama | 1 | $ 81,000 | $ 81,000 | $ 47,000 |
| Geneva County Alabama | 1 | $ 76,000 | $ 76,000 | $ 40,000 |
| Houston County Alabama | 1 | $ 125,000 | $ 125,000 | $ 130,000 |
| Jackson County Alabama | 1 | $ 93,000 | $ 93,000 | $ 80,000 |
| Lawrence County Alabama | 1 | $ 96,000 | $ 96,000 | $ 46,000 |
| Marshall County Alabama | 1 | $ 64,000 | $ 64,000 | $ 15,000 |
| Pike County Alabama | 1 | $ 90,000 | $ 90,000 | $ 17,000 |
| Winston County Alabama | 1 | $ 73,000 | $ 73,000 | $ 61,000 |
| Alachua County Florida | 1 | $ 200,000 | $ 200,000 | $ 98,000 |
| Citrus County Florida | 1 | $ 97,000 | $ 97,000 | $ 60,000 |
| Collier County Florida | 1 | $ 614,000 | $ 614,000 | $ 240,000 |
| Escambia County Florida | 1 | $ 71,000 | $ 71,000 | $ 52,000 |
| Highlands County Florida | 1 | $ 108,000 | $ 108,000 | $ 35,000 |
| Indian River County Florida | 1 | $ 119,000 | $ 119,000 | $ 33,000 |
| Leon County Florida | 1 | $ 216,000 | $ 216,000 | $ 70,000 |
| Marion County Florida | 1 | $ 126,000 | $ 126,000 | $ 52,000 |
| Monroe County Florida | 1 | $ 350,000 | $ 350,000 | $ 198,000 |
| Okaloosa County Florida | 1 | $ 178,000 | $ 178,000 | $ 88,000 |
| Okeechobee County Florida | 1 | $ 81,000 | $ 81,000 | $ 29,000 |
| Osceola County Florida | 1 | $ 126,000 | $ 126,000 | $ 68,000 |
| Seminole County Florida | 1 | $ 96,000 | $ 96,000 | $ 48,000 |
| St. Johns County Florida | 1 | $ 286,000 | $ 286,000 | $ 100,000 |
| Wakulla County Florida | 1 | $ 106,000 | $ 106,000 | $ 15,000 |
| Banks County Georgia | 1 | $ 163,000 | $ 163,000 | $ 63,000 |
| Bulloch County Georgia | 1 | $ 328,000 | $ 328,000 | $ 77,000 |
| Camden County Georgia | 1 | $ 150,000 | $ 150,000 | $ 112,000 |
| Catoosa County Georgia | 1 | $ 113,000 | $ 113,000 | $ 52,000 |
| Clarke County Georgia | 1 | $ 145,000 | $ 145,000 | $ 47,000 |
| Elbert County Georgia | 1 | $ 90,000 | $ 90,000 | $ 91,000 |
| Fannin County Georgia | 1 | $ 109,000 | $ 109,000 | $ 60,000 |
| Franklin County Georgia | 1 | $ 113,000 | $ 113,000 | $ 27,000 |
| Glynn County Georgia | 1 | $ 158,000 | $ 158,000 | $ 159,000 |
| Gordon County Georgia | 1 | $ 156,000 | $ 156,000 | $ 62,000 |
| Greene County Georgia | 1 | $ 129,000 | $ 129,000 | $ 51,000 |
| Harris County Georgia | 1 | $ 182,000 | $ 182,000 | $ 41,000 |
| Hart County Georgia | 1 | $ 142,000 | $ 142,000 | $ 37,000 |
| Jeff Davis County Georgia | 1 | $ 140,000 | $ 140,000 | $ 95,000 |
| Jones County Georgia | 1 | $ 113,000 | $ 113,000 | $ 42,000 |
| Laurens County Georgia | 1 | $ 125,000 | $ 125,000 | $ 57,000 |
| Lee County Georgia | 1 | $ 78,000 | $ 78,000 | $ 49,000 |
| Liberty County Georgia | 1 | $ 250,000 | $ 250,000 | $ 132,000 |
| Madison County Georgia | 1 | $ 138,000 | $ 138,000 | $ 97,000 |
| Marion County Georgia | 1 | $ 45,000 | $ 45,000 | $ 60,000 |
| Monroe County Georgia | 1 | $ 183,000 | $ 183,000 | $ 95,000 |
| Morgan County Georgia | 1 | $ 237,000 | $ 237,000 | $ 76,000 |
| Pike County Georgia | 1 | $ 152,000 | $ 152,000 | $ 110,000 |
| Putnam County Georgia | 1 | $ 110,000 | $ 110,000 | $ 15,000 |
| Seminole County Georgia | 1 | $ 238,000 | $ 238,000 | $ 65,000 |
| Union County Georgia | 1 | $ 97,000 | $ 97,000 | $ 86,000 |
| Ware County Georgia | 1 | $ 85,000 | $ 85,000 | $ 96,000 |
| Nye County Nevada | 1 | $ 122,000 | $ 122,000 | $ 67,000 |
| Berkeley County South Carolina | 1 | $ 200,000 | $ 200,000 | $ 85,000 |
| Cherokee County South Carolina | 1 | $ 177,000 | $ 177,000 | $ 36,000 |
| Lee County South Carolina | 1 | $ 100,000 | $ 100,000 | $ 96,000 |
| Pickens County South Carolina | 1 | $ 150,000 | $ 150,000 | $ 84,000 |
| Spartanburg County South Carolina | 1 | $ 73,000 | $ 73,000 | $ 65,000 |
| York County South Carolina | 1 | $ 134,000 | $ 134,000 | $ 26,000 |
| Anderson County Tennessee | 1 | $ 87,000 | $ 87,000 | $ 44,000 |
| Bradley County Tennessee | 1 | $ 90,000 | $ 90,000 | $ 54,000 |
| Carroll County Tennessee | 1 | $ 178,000 | $ 178,000 | $ 180,000 |
| Cheatham County Tennessee | 1 | $ 190,000 | $ 190,000 | $ 46,000 |
| Claiborne County Tennessee | 1 | $ 83,000 | $ 83,000 | $ 86,000 |
| Coffee County Tennessee | 1 | $ 89,000 | $ 89,000 | $ 180,000 |
| Dyer County Tennessee | 1 | $ 76,000 | $ 76,000 | $ 58,000 |
| Henderson County Tennessee | 1 | $ 45,000 | $ 45,000 | $ 22,000 |
| Humphreys County Tennessee | 1 | $ 144,000 | $ 144,000 | $ 38,000 |
| Lauderdale County Tennessee | 1 | $ 90,000 | $ 90,000 | $ 34,000 |
| Marion County Tennessee | 1 | $ 109,000 | $ 109,000 | $ 42,000 |
| Montgomery County Tennessee | 1 | $ 200,000 | $ 200,000 | $ 78,000 |
| Roane County Tennessee | 1 | $ 93,000 | $ 93,000 | $ 48,000 |
| Robertson County Tennessee | 1 | $ 210,000 | $ 210,000 | $ 94,000 |
| Sumner County Tennessee | 1 | $ 111,000 | $ 111,000 | $ 62,000 |
| Tipton County Tennessee | 1 | $ 142,000 | $ 142,000 | $ 130,000 |
| Warren County Tennessee | 1 | $ 89,000 | $ 89,000 | $ 63,000 |
| Williamson County Tennessee | 1 | $ 220,000 | $ 220,000 | $ 104,000 |
Mortgage Loan Application Detail Totals for Your Best Rate Financial L.L.C 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 |
|---|---|---|---|---|---|---|
| Refinancing | 739 | $117,552,000 | $149,428 | $1,000,000 | $74,857 | $1,800,000 |
| Home Purchase | 150 | $25,741,000 | $180,333 | $738,000 | $100,166 | $447,000 |
| 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 | 778 | $124,381,000 | $147,285 | $1,000,000 | $74,142 | $1,800,000 |
| White | 82 | $14,974,000 | $162,428 | $650,000 | $87,000 | $321,000 |
| Black or African American | 16 | $1,810,000 | $95,333 | $197,000 | $63,000 | $119,000 |
| Hispanic | 8 | $1,278,000 | $162,333 | $306,000 | $70,000 | $150,000 |
| Asian | 3 | $583,000 | $169,500 | $323,000 | $111,500 | $248,000 |
| American Indian or Alaskan Native | 1 | $145,000 | $145,000 | $145,000 | $109,000 | $109,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $122,000 | $122,000 | $122,000 | $182,000 | $182,000 |
| 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) | 885 | $142,834,000 | $150,285 | $1,000,000 | $77,571 | $1,800,000 |
| FHA-insured (Federal Housing Administration) | 4 | $459,000 | $114,000 | $145,000 | $47,000 | $70,000 |
| 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 | 663 | $109,762,000 | $149,428 | $1,000,000 | $77,428 | $677,000 |
| Application Denied By Financial Institution | 160 | $22,805,000 | $157,285 | $468,000 | $64,428 | $420,000 |
| Application Withdrawn By Applicant | 65 | $10,510,000 | $144,857 | $400,000 | $100,000 | $1,800,000 |
| Application Approved But Not Accepted | 1 | $216,000 | $216,000 | $216,000 | $70,000 | $70,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 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 Your Best Rate Financial L.L.C'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 Your Best Rate Financial L.L.C'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 Georgia, download the full spreadsheet
with aggregated HMDA statistics today.