2023 Totals: $3,758,953,525,000 in Mortgages Applied for out of 11,483,889 Applications
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- Data Updated through 2023
Meritlending.Com
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Meritlending.Com 2005 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 | Meritlending.Com 575 Anton Blvd. #1050 Costa Mesa, CA 92626 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,333 |
| Total Mortgage Loan Application Amount | $504,579,000 |
| Average Mortgage Loan Application Amount | $193,875 |
| Highest Mortgage Loan Application Amount | $1,995,000 |
| Average Applicant Income | $88,333 |
| Highest Applicant Income | $745,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with Meritlending.Com. 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 Meritlending.Com's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down Meritlending.Com'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 Meritlending.Com serves its applicants.
Each category highlights the total number of mortgage applications processed by Meritlending.Com, 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 Meritlending.Com's mortgage activity for 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Adams County Colorado | 10 | $ 1,634,000 | $ 163,000 | $ 52,000 |
| Alachua County Florida | 8 | $ 898,000 | $ 112,000 | $ 141,000 |
| Alameda County California | 17 | $ 6,379,000 | $ 375,000 | $ 98,000 |
| Allegany County Maryland | 1 | $ 85,000 | $ 85,000 | $ 39,000 |
| Amador County California | 3 | $ 783,000 | $ 261,000 | $ 46,000 |
| Anne Arundel County Maryland | 12 | $ 2,780,000 | $ 231,000 | $ 96,000 |
| Arapahoe County Colorado | 7 | $ 1,087,000 | $ 155,000 | $ 71,000 |
| Baltimore City County Maryland | 19 | $ 1,603,000 | $ 84,000 | $ 56,000 |
| Baltimore County Maryland | 20 | $ 3,832,000 | $ 191,000 | $ 68,000 |
| Barrow County Georgia | 1 | $ 138,000 | $ 138,000 | $ 86,000 |
| Bartow County Georgia | 2 | $ 250,000 | $ 125,000 | $ 57,000 |
| Bay County Florida | 3 | $ 361,000 | $ 120,000 | $ 68,000 |
| Boone County Illinois | 1 | $ 94,000 | $ 94,000 | $ 20,000 |
| Boulder County Colorado | 2 | $ 527,000 | $ 263,000 | $ 121,000 |
| Brevard County Florida | 26 | $ 3,761,000 | $ 144,000 | $ 56,000 |
| Broward County Florida | 53 | $ 9,923,000 | $ 187,000 | $ 74,000 |
| Bulloch County Georgia | 1 | $ 139,000 | $ 139,000 | $ 50,000 |
| Butte County California | 8 | $ 1,185,000 | $ 148,000 | $ 54,000 |
| Butts County Georgia | 1 | $ 158,000 | $ 158,000 | $ 82,000 |
| Calaveras County California | 2 | $ 343,000 | $ 171,000 | $ 55,000 |
| Calvert County Maryland | 1 | $ 370,000 | $ 370,000 | $ 70,000 |
| Caroline County Maryland | 1 | $ 120,000 | $ 120,000 | $ 44,000 |
| Carroll County Georgia | 1 | $ 201,000 | $ 201,000 | $ 49,000 |
| Carroll County Maryland | 8 | $ 1,323,000 | $ 165,000 | $ 77,000 |
| Cass County Minnesota | 1 | $ 175,000 | $ 175,000 | $ 34,000 |
| Cecil County Maryland | 2 | $ 451,000 | $ 225,000 | $ 53,000 |
| Champaign County Illinois | 4 | $ 303,000 | $ 75,000 | $ 48,000 |
| Charles County Maryland | 9 | $ 1,939,000 | $ 215,000 | $ 72,000 |
| Charlotte County Florida | 8 | $ 1,342,000 | $ 167,000 | $ 65,000 |
| Chatham County Georgia | 2 | $ 200,000 | $ 100,000 | $ 19,000 |
| Cherokee County Georgia | 2 | $ 331,000 | $ 165,000 | $ 93,000 |
| Christian County Illinois | 1 | $ 180,000 | $ 180,000 | $ 75,000 |
| Citrus County Florida | 7 | $ 826,000 | $ 118,000 | $ 75,000 |
| Clackamas County Oregon | 1 | $ 240,000 | $ 240,000 | $ 92,000 |
| Clark County Nevada | 3 | $ 853,000 | $ 284,000 | $ 86,000 |
| Clark County Washington | 2 | $ 383,000 | $ 191,000 | $ 46,000 |
| Clay County Florida | 5 | $ 623,000 | $ 124,000 | $ 58,000 |
| Clayton County Georgia | 7 | $ 1,298,000 | $ 185,000 | $ 64,000 |
| Clear Creek County Colorado | 3 | $ 359,000 | $ 119,000 | $ 66,000 |
| Cobb County Georgia | 19 | $ 3,239,000 | $ 170,000 | $ 84,000 |
| Collier County Florida | 9 | $ 2,084,000 | $ 231,000 | $ 72,000 |
| Colquitt County Georgia | 1 | $ 122,000 | $ 122,000 | $ 47,000 |
| Columbia County Florida | 1 | $ 112,000 | $ 112,000 | $ 26,000 |
| Columbia County Georgia | 1 | $ 180,000 | $ 180,000 | $ 43,000 |
| Contra Costa County California | 22 | $ 7,781,000 | $ 353,000 | $ 102,000 |
| Cook County Illinois | 60 | $ 12,450,000 | $ 207,000 | $ 123,000 |
| Coweta County Georgia | 2 | $ 229,000 | $ 114,000 | $ 120,000 |
| Davis County Utah | 2 | $ 265,000 | $ 132,000 | $ 43,000 |
| DeKalb County Georgia | 23 | $ 3,768,000 | $ 163,000 | $ 71,000 |
| DeKalb County Illinois | 2 | $ 329,000 | $ 164,000 | $ 98,000 |
| Del Norte County California | 2 | $ 421,000 | $ 210,000 | $ 44,000 |
| Denver County Colorado | 12 | $ 2,301,000 | $ 191,000 | $ 65,000 |
| Dorchester County Maryland | 1 | $ 102,000 | $ 102,000 | $ 43,000 |
| Dougherty County Georgia | 3 | $ 248,000 | $ 82,000 | $ 51,000 |
| Douglas County Colorado | 1 | $ 261,000 | $ 261,000 | $ 90,000 |
| Douglas County Georgia | 3 | $ 508,000 | $ 169,000 | $ 54,000 |
| Douglas County Oregon | 1 | $ 311,000 | $ 311,000 | $ 82,000 |
| DuPage County Illinois | 7 | $ 1,334,000 | $ 190,000 | $ 75,000 |
| Duval County Florida | 21 | $ 2,393,000 | $ 113,000 | $ 48,000 |
| Effingham County Georgia | 2 | $ 322,000 | $ 161,000 | $ 74,000 |
| El Dorado County California | 2 | $ 776,000 | $ 388,000 | $ 118,000 |
| El Paso County Colorado | 11 | $ 1,759,000 | $ 159,000 | $ 52,000 |
| Escambia County Florida | 4 | $ 711,000 | $ 177,000 | $ 91,000 |
| Fayette County Georgia | 5 | $ 1,401,000 | $ 280,000 | $ 83,000 |
| Flagler County Florida | 5 | $ 726,000 | $ 145,000 | $ 66,000 |
| Forsyth County Georgia | 2 | $ 315,000 | $ 157,000 | $ 42,000 |
| Frederick County Maryland | 13 | $ 3,123,000 | $ 240,000 | $ 50,000 |
| Fresno County California | 35 | $ 5,276,000 | $ 150,000 | $ 49,000 |
| Fulton County Georgia | 18 | $ 2,768,000 | $ 153,000 | $ 63,000 |
| Fulton County Illinois | 2 | $ 122,000 | $ 61,000 | $ 52,000 |
| Gadsden County Florida | 2 | $ 140,000 | $ 70,000 | $ 28,000 |
| Gordon County Georgia | 1 | $ 153,000 | $ 153,000 | $ 41,000 |
| Grays Harbor County Washington | 1 | $ 185,000 | $ 185,000 | $ 101,000 |
| Grundy County Illinois | 1 | $ 144,000 | $ 144,000 | $ 83,000 |
| Gwinnett County Georgia | 8 | $ 1,257,000 | $ 157,000 | $ 66,000 |
| Hall County Georgia | 4 | $ 651,000 | $ 162,000 | $ 67,000 |
| Haralson County Georgia | 1 | $ 185,000 | $ 185,000 | $ 37,000 |
| Harford County Maryland | 11 | $ 2,521,000 | $ 229,000 | $ 108,000 |
| Hart County Georgia | 1 | $ 293,000 | $ 293,000 | $ 250,000 |
| Hennepin County Minnesota | 5 | $ 890,000 | $ 178,000 | $ 49,000 |
| Henry County Georgia | 12 | $ 1,966,000 | $ 163,000 | $ 72,000 |
| Hernando County Florida | 5 | $ 751,000 | $ 150,000 | $ 54,000 |
| Highlands County Florida | 1 | $ 115,000 | $ 115,000 | $ 39,000 |
| Hillsborough County Florida | 30 | $ 6,112,000 | $ 203,000 | $ 66,000 |
| Horry County South Carolina | 1 | $ 418,000 | $ 418,000 | $ 134,000 |
| Houston County Georgia | 1 | $ 108,000 | $ 108,000 | $ 39,000 |
| Howard County Maryland | 4 | $ 1,632,000 | $ 408,000 | $ 108,000 |
| Humboldt County California | 3 | $ 527,000 | $ 175,000 | $ 34,000 |
| Imperial County California | 8 | $ 1,221,000 | $ 152,000 | $ 48,000 |
| Indian River County Florida | 7 | $ 1,028,000 | $ 146,000 | $ 45,000 |
| Inyo County California | 8 | $ 1,955,000 | $ 244,000 | $ 96,000 |
| Iron County Utah | 1 | $ 62,000 | $ 62,000 | $ 45,000 |
| Iroquois County Illinois | 1 | $ 135,000 | $ 135,000 | $ 60,000 |
| Island County Washington | 1 | $ 177,000 | $ 177,000 | $ 45,000 |
| Jackson County Florida | 1 | $ 76,000 | $ 76,000 | $ 34,000 |
| Jackson County Georgia | 2 | $ 261,000 | $ 130,000 | $ 66,000 |
| Jasper County Georgia | 1 | $ 130,000 | $ 130,000 | $ 48,000 |
| Jefferson County Colorado | 5 | $ 1,017,000 | $ 203,000 | $ 79,000 |
| Jefferson County Oregon | 1 | $ 128,000 | $ 128,000 | $ 67,000 |
| Jones County Georgia | 1 | $ 185,000 | $ 185,000 | $ 60,000 |
| Josephine County Oregon | 1 | $ 86,000 | $ 86,000 | $ 120,000 |
| Kane County Illinois | 5 | $ 1,087,000 | $ 217,000 | $ 82,000 |
| Kendall County Illinois | 2 | $ 283,000 | $ 141,000 | $ 80,000 |
| Kern County California | 53 | $ 8,350,000 | $ 157,000 | $ 137,000 |
| King County Washington | 4 | $ 1,120,000 | $ 280,000 | $ 98,000 |
| Kitsap County Washington | 3 | $ 422,000 | $ 140,000 | $ 44,000 |
| La Plata County Colorado | 3 | $ 557,000 | $ 185,000 | $ 61,000 |
| Lake County California | 4 | $ 514,000 | $ 128,000 | $ 61,000 |
| Lake County Florida | 18 | $ 2,737,000 | $ 152,000 | $ 49,000 |
| Lake County Illinois | 17 | $ 3,433,000 | $ 201,000 | $ 95,000 |
| Larimer County Colorado | 2 | $ 196,000 | $ 98,000 | $ 55,000 |
| Lassen County California | 1 | $ 184,000 | $ 184,000 | $ 66,000 |
| Laurens County Georgia | 1 | $ 134,000 | $ 134,000 | $ 65,000 |
| Lee County Florida | 11 | $ 1,925,000 | $ 175,000 | $ 67,000 |
| Leon County Florida | 8 | $ 1,083,000 | $ 135,000 | $ 48,000 |
| Levy County Florida | 2 | $ 296,000 | $ 148,000 | $ 44,000 |
| Los Angeles County California | 243 | $ 72,935,000 | $ 300,000 | $ 98,000 |
| Lumpkin County Georgia | 1 | $ 200,000 | $ 200,000 | $ 54,000 |
| Madera County California | 8 | $ 1,603,000 | $ 200,000 | $ 54,000 |
| Madison County Illinois | 6 | $ 776,000 | $ 129,000 | $ 52,000 |
| Manatee County Florida | 9 | $ 1,130,000 | $ 125,000 | $ 62,000 |
| Marion County Florida | 5 | $ 616,000 | $ 123,000 | $ 38,000 |
| Martin County Florida | 3 | $ 464,000 | $ 154,000 | $ 48,000 |
| Mason County Washington | 1 | $ 115,000 | $ 115,000 | $ 46,000 |
| McHenry County Illinois | 4 | $ 608,000 | $ 152,000 | $ 67,000 |
| McIntosh County Georgia | 4 | $ 402,000 | $ 100,000 | $ 78,000 |
| McLean County Illinois | 1 | $ 162,000 | $ 162,000 | $ 161,000 |
| Mendocino County California | 4 | $ 684,000 | $ 171,000 | $ 50,000 |
| Merced County California | 9 | $ 1,875,000 | $ 208,000 | $ 56,000 |
| Mesa County Colorado | 4 | $ 515,000 | $ 128,000 | $ 40,000 |
| Miami-Dade County Florida | 30 | $ 5,165,000 | $ 172,000 | $ 72,000 |
| Millard County Utah | 1 | $ 260,000 | $ 260,000 | $ 61,000 |
| Monroe County Florida | 4 | $ 2,196,000 | $ 549,000 | $ 217,000 |
| Monroe County Georgia | 1 | $ 124,000 | $ 124,000 | $ 92,000 |
| Monroe County Michigan | 1 | $ 250,000 | $ 250,000 | $ 105,000 |
| Monterey County California | 4 | $ 868,000 | $ 217,000 | $ 67,000 |
| Montgomery County Maryland | 21 | $ 4,776,000 | $ 227,000 | $ 78,000 |
| Multnomah County Oregon | 2 | $ 264,000 | $ 132,000 | $ 64,000 |
| Napa County California | 2 | $ 1,020,000 | $ 510,000 | $ 146,000 |
| Nassau County Florida | 4 | $ 1,003,000 | $ 250,000 | $ 57,000 |
| Nevada County California | 2 | $ 390,000 | $ 195,000 | $ 107,000 |
| Newton County Georgia | 1 | $ 154,000 | $ 154,000 | $ 53,000 |
| Okaloosa County Florida | 4 | $ 657,000 | $ 164,000 | $ 46,000 |
| Orange County California | 149 | $ 45,482,000 | $ 305,000 | $ 126,000 |
| Orange County Florida | 40 | $ 7,210,000 | $ 180,000 | $ 83,000 |
| Osceola County Florida | 12 | $ 1,714,000 | $ 142,000 | $ 39,000 |
| Otter Tail County Minnesota | 1 | $ 185,000 | $ 185,000 | $ 54,000 |
| Palm Beach County Florida | 25 | $ 6,638,000 | $ 265,000 | $ 129,000 |
| Park County Colorado | 1 | $ 265,000 | $ 265,000 | $ 53,000 |
| Pasco County Florida | 15 | $ 2,023,000 | $ 134,000 | $ 51,000 |
| Paulding County Georgia | 7 | $ 895,000 | $ 127,000 | $ 121,000 |
| Peoria County Illinois | 1 | $ 93,000 | $ 93,000 | $ 49,000 |
| Pierce County Washington | 8 | $ 1,270,000 | $ 158,000 | $ 58,000 |
| Pike County Georgia | 1 | $ 147,000 | $ 147,000 | $ 41,000 |
| Pinellas County Florida | 32 | $ 4,431,000 | $ 138,000 | $ 65,000 |
| Placer County California | 11 | $ 2,964,000 | $ 269,000 | $ 121,000 |
| Plumas County California | 1 | $ 103,000 | $ 103,000 | $ 23,000 |
| Polk County Florida | 20 | $ 2,454,000 | $ 122,000 | $ 39,000 |
| Prince George's County Maryland | 40 | $ 8,049,000 | $ 201,000 | $ 66,000 |
| Prince William County Virginia | 1 | $ 189,000 | $ 189,000 | $ 50,000 |
| Pueblo County Colorado | 3 | $ 357,000 | $ 119,000 | $ 59,000 |
| Queens County New York | 2 | $ 338,000 | $ 169,000 | $ 102,000 |
| Rabun County Georgia | 1 | $ 158,000 | $ 158,000 | $ 57,000 |
| Ramsey County Minnesota | 11 | $ 1,946,000 | $ 176,000 | $ 67,000 |
| Richmond County Georgia | 1 | $ 99,000 | $ 99,000 | $ 32,000 |
| Riverside County California | 136 | $ 35,048,000 | $ 257,000 | $ 80,000 |
| Rock Island County Illinois | 2 | $ 120,000 | $ 60,000 | $ 64,000 |
| Rockdale County Georgia | 3 | $ 708,000 | $ 236,000 | $ 78,000 |
| Sacramento County California | 42 | $ 8,879,000 | $ 211,000 | $ 74,000 |
| Salt Lake County Utah | 19 | $ 2,444,000 | $ 128,000 | $ 60,000 |
| San Benito County California | 1 | $ 542,000 | $ 542,000 | $ 124,000 |
| San Bernardino County California | 125 | $ 27,587,000 | $ 220,000 | $ 89,000 |
| San Diego County California | 56 | $ 15,507,000 | $ 276,000 | $ 112,000 |
| San Joaquin County California | 24 | $ 5,902,000 | $ 245,000 | $ 74,000 |
| San Luis Obispo County California | 7 | $ 1,979,000 | $ 282,000 | $ 122,000 |
| San Mateo County California | 12 | $ 5,121,000 | $ 426,000 | $ 145,000 |
| Sangamon County Illinois | 5 | $ 508,000 | $ 101,000 | $ 43,000 |
| Santa Barbara County California | 7 | $ 1,898,000 | $ 271,000 | $ 78,000 |
| Santa Clara County California | 13 | $ 4,795,000 | $ 368,000 | $ 108,000 |
| Santa Cruz County California | 4 | $ 1,207,000 | $ 301,000 | $ 140,000 |
| Santa Rosa County Florida | 3 | $ 510,000 | $ 170,000 | $ 44,000 |
| Sarasota County Florida | 7 | $ 1,311,000 | $ 187,000 | $ 74,000 |
| Screven County Georgia | 1 | $ 113,000 | $ 113,000 | $ 50,000 |
| Seminole County Florida | 12 | $ 1,656,000 | $ 138,000 | $ 36,000 |
| Shasta County California | 49 | $ 7,879,000 | $ 160,000 | $ 67,000 |
| Siskiyou County California | 1 | $ 132,000 | $ 132,000 | $ 114,000 |
| Skagit County Washington | 2 | $ 203,000 | $ 101,000 | $ 69,000 |
| Snohomish County Washington | 2 | $ 299,000 | $ 149,000 | $ 66,000 |
| Solano County California | 10 | $ 2,858,000 | $ 285,000 | $ 77,000 |
| Sonoma County California | 8 | $ 3,412,000 | $ 426,000 | $ 131,000 |
| Spalding County Georgia | 2 | $ 378,000 | $ 189,000 | $ 77,000 |
| Spokane County Washington | 3 | $ 367,000 | $ 122,000 | $ 41,000 |
| St. Clair County Illinois | 3 | $ 331,000 | $ 110,000 | $ 32,000 |
| St. Johns County Florida | 2 | $ 413,000 | $ 206,000 | $ 71,000 |
| St. Louis County Minnesota | 4 | $ 385,000 | $ 96,000 | $ 56,000 |
| St. Lucie County Florida | 22 | $ 3,428,000 | $ 155,000 | $ 58,000 |
| St. Mary's County Maryland | 1 | $ 193,000 | $ 193,000 | $ 111,000 |
| Stanislaus County California | 13 | $ 3,493,000 | $ 268,000 | $ 76,000 |
| Stephenson County Illinois | 1 | $ 8,000 | $ 8,000 | $ 69,000 |
| Summit County Colorado | 1 | $ 493,000 | $ 493,000 | $ 194,000 |
| Sutter County California | 2 | $ 424,000 | $ 212,000 | $ 60,000 |
| Taylor County Florida | 1 | $ 77,000 | $ 77,000 | $ 18,000 |
| Tazewell County Illinois | 1 | $ 150,000 | $ 150,000 | $ 84,000 |
| Tehama County California | 7 | $ 1,056,000 | $ 150,000 | $ 48,000 |
| Thurston County Washington | 1 | $ 167,000 | $ 167,000 | $ 68,000 |
| Tillamook County Oregon | 1 | $ 134,000 | $ 134,000 | $ 60,000 |
| Trinity County California | 2 | $ 148,000 | $ 74,000 | $ 40,000 |
| Troup County Georgia | 1 | $ 152,000 | $ 152,000 | $ 34,000 |
| Tulare County California | 35 | $ 5,522,000 | $ 157,000 | $ 47,000 |
| Tuolumne County California | 3 | $ 776,000 | $ 258,000 | $ 36,000 |
| Umatilla County Oregon | 1 | $ 65,000 | $ 65,000 | $ 38,000 |
| Upson County Georgia | 1 | $ 259,000 | $ 259,000 | $ 102,000 |
| Utah County Utah | 2 | $ 305,000 | $ 152,000 | $ 88,000 |
| Ventura County California | 22 | $ 7,476,000 | $ 339,000 | $ 102,000 |
| Volusia County Florida | 20 | $ 2,899,000 | $ 144,000 | $ 51,000 |
| Wakulla County Florida | 1 | $ 104,000 | $ 104,000 | $ 28,000 |
| Walker County Georgia | 1 | $ 88,000 | $ 88,000 | $ 25,000 |
| Walton County Florida | 6 | $ 2,469,000 | $ 411,000 | $ 167,000 |
| Walton County Georgia | 2 | $ 483,000 | $ 241,000 | $ 62,000 |
| Washington County Maryland | 2 | $ 476,000 | $ 238,000 | $ 54,000 |
| Washington County Minnesota | 2 | $ 300,000 | $ 150,000 | $ 104,000 |
| Wayne County Georgia | 1 | $ 135,000 | $ 135,000 | $ 65,000 |
| Weber County Utah | 2 | $ 198,000 | $ 99,000 | $ 58,000 |
| Weld County Colorado | 1 | $ 144,000 | $ 144,000 | $ 80,000 |
| Whatcom County Washington | 1 | $ 324,000 | $ 324,000 | $ 75,000 |
| Wheeler County Georgia | 1 | $ 157,000 | $ 157,000 | $ 96,000 |
| Whitfield County Georgia | 1 | $ 138,000 | $ 138,000 | $ 161,000 |
| Wicomico County Maryland | 1 | $ 160,000 | $ 160,000 | $ 40,000 |
| Will County Illinois | 12 | $ 1,581,000 | $ 131,000 | $ 88,000 |
| Winnebago County Illinois | 5 | $ 540,000 | $ 108,000 | $ 51,000 |
| Worcester County Maryland | 1 | $ 100,000 | $ 100,000 | $ 74,000 |
| Yakima County Washington | 1 | $ 85,000 | $ 85,000 | $ 50,000 |
| Yellowstone County Montana | 1 | $ 116,000 | $ 116,000 | $ 121,000 |
| Yolo County California | 1 | $ 407,000 | $ 407,000 | $ 72,000 |
| Yuba County California | 4 | $ 591,000 | $ 147,000 | $ 55,000 |
Mortgage Loan Application Detail Totals for Meritlending.Com in 2005
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 | 2,152 | $459,180,000 | $183,428 | $1,995,000 | $69,857 | $745,000 |
| Home Purchase | 181 | $45,399,000 | $208,500 | $790,000 | $114,200 | $726,000 |
| 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 | 1,342 | $257,275,000 | $205,071 | $1,995,000 | $76,000 | $745,000 |
| White | 577 | $136,018,000 | $188,615 | $1,500,000 | $83,076 | $448,000 |
| Hispanic | 253 | $67,131,000 | $189,600 | $750,000 | $67,800 | $323,000 |
| Black or African American | 84 | $20,961,000 | $218,000 | $1,035,000 | $79,166 | $400,000 |
| Asian | 55 | $17,786,000 | $249,200 | $720,000 | $102,200 | $240,000 |
| Native Hawaiian or Other Pacific Islander | 14 | $3,947,000 | $230,333 | $765,000 | $101,666 | $318,000 |
| American Indian or Alaskan Native | 8 | $1,461,000 | $186,000 | $288,000 | $58,500 | $93,000 |
| 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) | 2,329 | $503,038,000 | $198,187 | $1,995,000 | $81,687 | $745,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $1,541,000 | $405,000 | $772,000 | $93,333 | $186,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 1,239 | $266,329,000 | $192,800 | $1,995,000 | $76,000 | $726,000 |
| Application Withdrawn By Applicant | 823 | $179,992,000 | $198,083 | $1,500,000 | $81,166 | $745,000 |
| Application Denied By Financial Institution | 271 | $58,258,000 | $171,700 | $971,000 | $69,900 | $325,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 101 | $23,013,000 | $172,000 | $750,000 | $71,375 | $260,000 |
| Collateral | 90 | $16,336,000 | $158,100 | $971,000 | $68,500 | $325,000 |
| Employment History | 27 | $7,352,000 | $194,750 | $640,000 | $85,500 | $233,000 |
| Debt-To-Income Ratio | 24 | $6,058,000 | $164,666 | $593,000 | $76,333 | $300,000 |
| Other | 14 | $2,079,000 | $126,800 | $342,000 | $57,400 | $106,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $2,340,000 | $188,500 | $660,000 | $89,250 | $168,000 |
| Unverifiable Information | 1 | $440,000 | $440,000 | $440,000 | $97,000 | $97,000 |
| Credit Application Incomplete | 1 | $129,000 | $129,000 | $129,000 | $27,000 | $27,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Meritlending.Com's 2005 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 Meritlending.Com'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 California, download the full spreadsheet
with aggregated HMDA statistics today.
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