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
Smc Capital
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Smc Capital 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 | Smc Capital 3465 Box Hill Corporate Center Dr Ste H Abingdon, MD 21009 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2004 |
| Total Number of Mortgage Applications | 469 |
| Total Mortgage Loan Application Amount | $50,669,000 |
| Average Mortgage Loan Application Amount | $114,516 |
| Highest Mortgage Loan Application Amount | $283,000 |
| Average Applicant Income | $44,000 |
| Highest Applicant Income | $296,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Smc Capital. 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 Smc Capital's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Smc Capital'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 Smc Capital serves its applicants.
Each category highlights the total number of mortgage applications processed by Smc Capital, 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 Smc Capital'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 |
|---|---|---|---|---|
| Alachua County Florida | 1 | $ 119,000 | $ 119,000 | $ 43,000 |
| Albany County New York | 1 | $ 104,000 | $ 104,000 | $ 53,000 |
| Allegan County Michigan | 1 | $ 89,000 | $ 89,000 | $ 23,000 |
| Anne Arundel County Maryland | 5 | $ 813,000 | $ 162,000 | $ 44,000 |
| Armstrong County Pennsylvania | 1 | $ 106,000 | $ 106,000 | $ 30,000 |
| Ashtabula County Ohio | 5 | $ 435,000 | $ 87,000 | $ 38,000 |
| Atlantic County New Jersey | 5 | $ 701,000 | $ 140,000 | $ 58,000 |
| Audrain County Missouri | 2 | $ 248,000 | $ 124,000 | $ 51,000 |
| Baltimore City County Maryland | 1 | $ 89,000 | $ 89,000 | $ 36,000 |
| Baltimore County Maryland | 10 | $ 1,282,000 | $ 128,000 | $ 43,000 |
| Beaufort County North Carolina | 2 | $ 163,000 | $ 81,000 | $ 29,000 |
| Benton County Arkansas | 1 | $ 118,000 | $ 118,000 | $ 60,000 |
| Bergen County New Jersey | 1 | $ 150,000 | $ 150,000 | $ 74,000 |
| Berks County Pennsylvania | 1 | $ 68,000 | $ 68,000 | $ 50,000 |
| Blair County Pennsylvania | 5 | $ 384,000 | $ 76,000 | $ 28,000 |
| Bossier County Louisiana | 5 | $ 478,000 | $ 95,000 | $ 33,000 |
| Bradford County Florida | 1 | $ 59,000 | $ 59,000 | $ 31,000 |
| Brooke County West Virginia | 1 | $ 58,000 | $ 58,000 | $ 33,000 |
| Broome County New York | 16 | $ 1,251,000 | $ 78,000 | $ 50,000 |
| Butler County Pennsylvania | 1 | $ 49,000 | $ 49,000 | $ 45,000 |
| Cabell County West Virginia | 1 | $ 82,000 | $ 82,000 | $ 35,000 |
| Caddo County Louisiana | 5 | $ 351,000 | $ 70,000 | $ 25,000 |
| Calhoun County Mississippi | 1 | $ 70,000 | $ 70,000 | $ 30,000 |
| Cambria County Pennsylvania | 5 | $ 308,000 | $ 61,000 | $ 32,000 |
| Camden County New Jersey | 3 | $ 304,000 | $ 101,000 | $ 53,000 |
| Carroll County Georgia | 1 | $ 100,000 | $ 100,000 | $ 28,000 |
| Carroll County Tennessee | 1 | $ 58,000 | $ 58,000 | $ 41,000 |
| Carteret County North Carolina | 1 | $ 99,000 | $ 99,000 | $ 54,000 |
| Cayuga County New York | 1 | $ 66,000 | $ 66,000 | $ 34,000 |
| Cecil County Maryland | 1 | $ 128,000 | $ 128,000 | $ 43,000 |
| Centre County Pennsylvania | 1 | $ 61,000 | $ 61,000 | $ 31,000 |
| Charles County Maryland | 1 | $ 245,000 | $ 245,000 | $ 74,000 |
| Chenango County New York | 8 | $ 475,000 | $ 59,000 | $ 44,000 |
| Chester County Tennessee | 1 | $ 112,000 | $ 112,000 | $ 23,000 |
| Chowan County North Carolina | 1 | $ 110,000 | $ 110,000 | $ 42,000 |
| Christian County Kentucky | 1 | $ 79,000 | $ 79,000 | $ 29,000 |
| Christian County Missouri | 1 | $ 152,000 | $ 152,000 | $ 0 |
| Citrus County Florida | 2 | $ 137,000 | $ 68,000 | $ 40,000 |
| Clark County Nevada | 3 | $ 406,000 | $ 135,000 | $ 27,000 |
| Clay County Florida | 1 | $ 63,000 | $ 63,000 | $ 41,000 |
| Cobb County Georgia | 1 | $ 176,000 | $ 176,000 | $ 49,000 |
| Cocke County Tennessee | 2 | $ 104,000 | $ 52,000 | $ 22,000 |
| Colbert County Alabama | 1 | $ 158,000 | $ 158,000 | $ 92,000 |
| Collier County Florida | 1 | $ 153,000 | $ 153,000 | $ 44,000 |
| Collin County Texas | 1 | $ 173,000 | $ 173,000 | $ 66,000 |
| Columbia County Georgia | 2 | $ 214,000 | $ 107,000 | $ 43,000 |
| Cook County Illinois | 2 | $ 185,000 | $ 92,000 | $ 23,000 |
| Coryell County Texas | 1 | $ 76,000 | $ 76,000 | $ 28,000 |
| Craven County North Carolina | 8 | $ 792,000 | $ 99,000 | $ 52,000 |
| Crawford County Pennsylvania | 1 | $ 113,000 | $ 113,000 | $ 66,000 |
| Creek County Oklahoma | 1 | $ 66,000 | $ 66,000 | $ 0 |
| Crockett County Tennessee | 1 | $ 90,000 | $ 90,000 | $ 41,000 |
| Cumberland County New Jersey | 5 | $ 484,000 | $ 96,000 | $ 52,000 |
| Cumberland County North Carolina | 1 | $ 88,000 | $ 88,000 | $ 29,000 |
| Cumberland County Pennsylvania | 1 | $ 137,000 | $ 137,000 | $ 88,000 |
| Cuyahoga County Ohio | 5 | $ 390,000 | $ 78,000 | $ 34,000 |
| Dallas County Texas | 3 | $ 376,000 | $ 125,000 | $ 43,000 |
| Dauphin County Pennsylvania | 2 | $ 209,000 | $ 104,000 | $ 37,000 |
| Davidson County Tennessee | 2 | $ 216,000 | $ 108,000 | $ 28,000 |
| De Soto County Louisiana | 6 | $ 521,000 | $ 86,000 | $ 41,000 |
| Delaware County New York | 2 | $ 240,000 | $ 120,000 | $ 85,000 |
| Delaware County Pennsylvania | 10 | $ 1,291,000 | $ 129,000 | $ 50,000 |
| DeSoto County Mississippi | 1 | $ 159,000 | $ 159,000 | $ 70,000 |
| District of Columbia County District Of Columbia | 1 | $ 181,000 | $ 181,000 | $ 0 |
| Douglas County Georgia | 1 | $ 151,000 | $ 151,000 | $ 51,000 |
| Duplin County North Carolina | 1 | $ 153,000 | $ 153,000 | $ 47,000 |
| Durham County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 44,000 |
| Duval County Florida | 3 | $ 228,000 | $ 76,000 | $ 23,000 |
| East Baton Rouge County Louisiana | 1 | $ 119,000 | $ 119,000 | $ 125,000 |
| Eaton County Michigan | 1 | $ 107,000 | $ 107,000 | $ 30,000 |
| El Paso County Colorado | 1 | $ 201,000 | $ 201,000 | $ 69,000 |
| Erie County New York | 2 | $ 134,000 | $ 67,000 | $ 36,000 |
| Essex County Massachusetts | 1 | $ 207,000 | $ 207,000 | $ 73,000 |
| Essex County New Jersey | 2 | $ 424,000 | $ 212,000 | $ 69,000 |
| Fairfax County Virginia | 1 | $ 128,000 | $ 128,000 | $ 41,000 |
| Fairfield County Connecticut | 1 | $ 243,000 | $ 243,000 | $ 103,000 |
| Franklin County Missouri | 1 | $ 77,000 | $ 77,000 | $ 30,000 |
| Franklin County Pennsylvania | 1 | $ 152,000 | $ 152,000 | $ 58,000 |
| Gibson County Tennessee | 4 | $ 266,000 | $ 66,000 | $ 31,000 |
| Gloucester County New Jersey | 3 | $ 374,000 | $ 124,000 | $ 50,000 |
| Granville County North Carolina | 1 | $ 87,000 | $ 87,000 | $ 27,000 |
| Greene County Missouri | 4 | $ 289,000 | $ 72,000 | $ 33,000 |
| Greensville County Virginia | 1 | $ 117,000 | $ 117,000 | $ 35,000 |
| Grenada County Mississippi | 1 | $ 83,000 | $ 83,000 | $ 38,000 |
| Gwinnett County Georgia | 4 | $ 662,000 | $ 165,000 | $ 51,000 |
| Hamilton County Ohio | 2 | $ 191,000 | $ 95,000 | $ 43,000 |
| Hamilton County Tennessee | 3 | $ 340,000 | $ 113,000 | $ 50,000 |
| Hampden County Massachusetts | 1 | $ 173,000 | $ 173,000 | $ 68,000 |
| Hardeman County Tennessee | 1 | $ 43,000 | $ 43,000 | $ 13,000 |
| Hardin County Tennessee | 1 | $ 62,000 | $ 62,000 | $ 27,000 |
| Harford County Maryland | 1 | $ 215,000 | $ 215,000 | $ 75,000 |
| Hawkins County Tennessee | 1 | $ 102,000 | $ 102,000 | $ 30,000 |
| Haywood County Tennessee | 1 | $ 80,000 | $ 80,000 | $ 36,000 |
| Henderson County Tennessee | 2 | $ 190,000 | $ 95,000 | $ 47,000 |
| Hendricks County Indiana | 1 | $ 73,000 | $ 73,000 | $ 50,000 |
| Henry County Virginia | 1 | $ 129,000 | $ 129,000 | $ 42,000 |
| Hillsborough County Florida | 4 | $ 386,000 | $ 96,000 | $ 41,000 |
| Howard County Maryland | 2 | $ 429,000 | $ 214,000 | $ 116,000 |
| Indian River County Florida | 1 | $ 129,000 | $ 129,000 | $ 37,000 |
| Jackson County Indiana | 1 | $ 99,000 | $ 99,000 | $ 26,000 |
| Jackson County Missouri | 1 | $ 172,000 | $ 172,000 | $ 21,000 |
| Jackson County West Virginia | 2 | $ 184,000 | $ 92,000 | $ 32,000 |
| Jasper County Missouri | 1 | $ 45,000 | $ 45,000 | $ 21,000 |
| Jefferson County Alabama | 2 | $ 177,000 | $ 88,000 | $ 14,000 |
| Jefferson County Kentucky | 1 | $ 152,000 | $ 152,000 | $ 57,000 |
| Johnson County Kansas | 1 | $ 121,000 | $ 121,000 | $ 38,000 |
| Johnston County North Carolina | 2 | $ 213,000 | $ 106,000 | $ 25,000 |
| Kings County New York | 1 | $ 283,000 | $ 283,000 | $ 0 |
| Knox County Tennessee | 2 | $ 184,000 | $ 92,000 | $ 30,000 |
| Lancaster County Pennsylvania | 13 | $ 1,503,000 | $ 115,000 | $ 39,000 |
| Lawrence County Missouri | 1 | $ 58,000 | $ 58,000 | $ 20,000 |
| Lee County Florida | 1 | $ 77,000 | $ 77,000 | $ 44,000 |
| Lee County Mississippi | 2 | $ 178,000 | $ 89,000 | $ 45,000 |
| Lee County North Carolina | 1 | $ 162,000 | $ 162,000 | $ 64,000 |
| Lenoir County North Carolina | 2 | $ 213,000 | $ 106,000 | $ 54,000 |
| Lincoln County Missouri | 1 | $ 152,000 | $ 152,000 | $ 65,000 |
| Lucas County Ohio | 1 | $ 69,000 | $ 69,000 | $ 28,000 |
| Lyon County Nevada | 1 | $ 89,000 | $ 89,000 | $ 43,000 |
| Macomb County Michigan | 2 | $ 225,000 | $ 112,000 | $ 0 |
| Madison County Alabama | 1 | $ 91,000 | $ 91,000 | $ 37,000 |
| Madison County New York | 2 | $ 112,000 | $ 56,000 | $ 28,000 |
| Madison County Tennessee | 4 | $ 297,000 | $ 74,000 | $ 27,000 |
| Manatee County Florida | 1 | $ 143,000 | $ 143,000 | $ 40,000 |
| Maricopa County Arizona | 1 | $ 93,000 | $ 93,000 | $ 26,000 |
| Marshall County Mississippi | 1 | $ 57,000 | $ 57,000 | $ 99,000 |
| Marshall County West Virginia | 1 | $ 63,000 | $ 63,000 | $ 58,000 |
| McIntosh County Oklahoma | 1 | $ 41,000 | $ 41,000 | $ 18,000 |
| Miami-Dade County Florida | 4 | $ 668,000 | $ 167,000 | $ 70,000 |
| Mobile County Alabama | 3 | $ 271,000 | $ 90,000 | $ 30,000 |
| Monroe County Illinois | 1 | $ 115,000 | $ 115,000 | $ 73,000 |
| Monroe County New York | 3 | $ 390,000 | $ 130,000 | $ 121,000 |
| Montgomery County Maryland | 1 | $ 202,000 | $ 202,000 | $ 44,000 |
| Montgomery County Ohio | 1 | $ 64,000 | $ 64,000 | $ 35,000 |
| Montgomery County Pennsylvania | 1 | $ 219,000 | $ 219,000 | $ 81,000 |
| Montgomery County Tennessee | 1 | $ 76,000 | $ 76,000 | $ 21,000 |
| Montgomery County Texas | 2 | $ 205,000 | $ 102,000 | $ 43,000 |
| Montgomery County Virginia | 1 | $ 98,000 | $ 98,000 | $ 25,000 |
| Morgan County Georgia | 1 | $ 93,000 | $ 93,000 | $ 29,000 |
| Nash County North Carolina | 1 | $ 138,000 | $ 138,000 | $ 65,000 |
| Nassau County Florida | 11 | $ 964,000 | $ 87,000 | $ 27,000 |
| Natchitoches County Louisiana | 2 | $ 210,000 | $ 105,000 | $ 45,000 |
| New Castle County Delaware | 3 | $ 482,000 | $ 160,000 | $ 42,000 |
| New Hanover County North Carolina | 1 | $ 104,000 | $ 104,000 | $ 30,000 |
| New London County Connecticut | 1 | $ 151,000 | $ 151,000 | $ 98,000 |
| Norfolk County Virginia | 1 | $ 82,000 | $ 82,000 | $ 0 |
| Oakland County Michigan | 1 | $ 173,000 | $ 173,000 | $ 149,000 |
| Ocean County New Jersey | 1 | $ 187,000 | $ 187,000 | $ 96,000 |
| Oconee County Georgia | 2 | $ 163,000 | $ 81,000 | $ 12,000 |
| Ohio County West Virginia | 1 | $ 67,000 | $ 67,000 | $ 34,000 |
| Onondaga County New York | 5 | $ 497,000 | $ 99,000 | $ 29,000 |
| Osceola County Florida | 1 | $ 116,000 | $ 116,000 | $ 67,000 |
| Oswego County New York | 1 | $ 80,000 | $ 80,000 | $ 39,000 |
| Otsego County New York | 3 | $ 180,000 | $ 60,000 | $ 40,000 |
| Panola County Mississippi | 2 | $ 138,000 | $ 69,000 | $ 35,000 |
| Pasco County Florida | 1 | $ 80,000 | $ 80,000 | $ 48,000 |
| Pender County North Carolina | 1 | $ 82,000 | $ 82,000 | $ 31,000 |
| Perry County Ohio | 1 | $ 76,000 | $ 76,000 | $ 54,000 |
| Philadelphia County Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 25,000 |
| Pitt County North Carolina | 2 | $ 200,000 | $ 100,000 | $ 58,000 |
| Pittsylvania County Virginia | 1 | $ 64,000 | $ 64,000 | $ 33,000 |
| Polk County Texas | 1 | $ 63,000 | $ 63,000 | $ 36,000 |
| Pontotoc County Mississippi | 2 | $ 158,000 | $ 79,000 | $ 32,000 |
| Portage County Ohio | 1 | $ 123,000 | $ 123,000 | $ 61,000 |
| Prince George's County Maryland | 2 | $ 344,000 | $ 172,000 | $ 59,000 |
| Prince William County Virginia | 2 | $ 484,000 | $ 242,000 | $ 56,000 |
| Providence County Rhode Island | 1 | $ 213,000 | $ 213,000 | $ 58,000 |
| Pueblo County Colorado | 1 | $ 31,000 | $ 31,000 | $ 20,000 |
| Putnam County Florida | 2 | $ 160,000 | $ 80,000 | $ 42,000 |
| Rapides County Louisiana | 2 | $ 171,000 | $ 85,000 | $ 28,000 |
| Riverside County California | 1 | $ 124,000 | $ 124,000 | $ 57,000 |
| Ross County Ohio | 1 | $ 86,000 | $ 86,000 | $ 63,000 |
| San Juan County New Mexico | 1 | $ 92,000 | $ 92,000 | $ 51,000 |
| Saratoga County New York | 1 | $ 138,000 | $ 138,000 | $ 61,000 |
| Sedgwick County Kansas | 1 | $ 165,000 | $ 165,000 | $ 40,000 |
| Seminole County Florida | 1 | $ 75,000 | $ 75,000 | $ 28,000 |
| Sevier County Tennessee | 5 | $ 599,000 | $ 119,000 | $ 47,000 |
| Shelby County Tennessee | 8 | $ 669,000 | $ 83,000 | $ 32,000 |
| Smith County Texas | 1 | $ 140,000 | $ 140,000 | $ 60,000 |
| Spokane County Washington | 1 | $ 83,000 | $ 83,000 | $ 32,000 |
| Spotsylvania County Virginia | 1 | $ 143,000 | $ 143,000 | $ 46,000 |
| St. Louis County Missouri | 1 | $ 167,000 | $ 167,000 | $ 65,000 |
| St. Lucie County Florida | 1 | $ 128,000 | $ 128,000 | $ 33,000 |
| St. Tammany County Louisiana | 3 | $ 261,000 | $ 87,000 | $ 38,000 |
| Stafford County Virginia | 1 | $ 255,000 | $ 255,000 | $ 100,000 |
| Stokes County North Carolina | 1 | $ 82,000 | $ 82,000 | $ 65,000 |
| Stone County Missouri | 1 | $ 83,000 | $ 83,000 | $ 0 |
| Suffolk County Virginia | 1 | $ 98,000 | $ 98,000 | $ 44,000 |
| Sullivan County Tennessee | 1 | $ 80,000 | $ 80,000 | $ 31,000 |
| Sumner County Tennessee | 1 | $ 87,000 | $ 87,000 | $ 38,000 |
| Sumter County South Carolina | 1 | $ 79,000 | $ 79,000 | $ 41,000 |
| Surry County North Carolina | 2 | $ 203,000 | $ 101,000 | $ 36,000 |
| Susquehanna County Pennsylvania | 1 | $ 46,000 | $ 46,000 | $ 56,000 |
| Sussex County Delaware | 1 | $ 163,000 | $ 163,000 | $ 46,000 |
| Sussex County New Jersey | 1 | $ 232,000 | $ 232,000 | $ 80,000 |
| Taney County Missouri | 1 | $ 55,000 | $ 55,000 | $ 21,000 |
| Tarrant County Texas | 4 | $ 477,000 | $ 119,000 | $ 52,000 |
| Travis County Texas | 1 | $ 168,000 | $ 168,000 | $ 73,000 |
| Tulsa County Oklahoma | 1 | $ 77,000 | $ 77,000 | $ 59,000 |
| Union County Georgia | 1 | $ 105,000 | $ 105,000 | $ 42,000 |
| Union County New Jersey | 2 | $ 397,000 | $ 198,000 | $ 74,000 |
| Vanderburgh County Indiana | 1 | $ 74,000 | $ 74,000 | $ 32,000 |
| Virginia Beach County Virginia | 3 | $ 444,000 | $ 148,000 | $ 64,000 |
| Volusia County Florida | 1 | $ 87,000 | $ 87,000 | $ 25,000 |
| Walton County Florida | 4 | $ 422,000 | $ 105,000 | $ 42,000 |
| Walton County Georgia | 1 | $ 175,000 | $ 175,000 | $ 50,000 |
| Warren County Mississippi | 3 | $ 236,000 | $ 78,000 | $ 30,000 |
| Warren County Missouri | 1 | $ 75,000 | $ 75,000 | $ 19,000 |
| Warren County New York | 1 | $ 126,000 | $ 126,000 | $ 67,000 |
| Washington County Maryland | 2 | $ 274,000 | $ 137,000 | $ 27,000 |
| Washington County Ohio | 2 | $ 172,000 | $ 86,000 | $ 60,000 |
| Washoe County Nevada | 1 | $ 116,000 | $ 116,000 | $ 42,000 |
| Wayne County Michigan | 2 | $ 144,000 | $ 72,000 | $ 35,000 |
| Wayne County North Carolina | 1 | $ 112,000 | $ 112,000 | $ 37,000 |
| Webster County Louisiana | 3 | $ 338,000 | $ 112,000 | $ 41,000 |
| Wexford County Michigan | 1 | $ 97,000 | $ 97,000 | $ 47,000 |
| Windham County Connecticut | 2 | $ 208,000 | $ 104,000 | $ 14,000 |
| Winn County Louisiana | 1 | $ 63,000 | $ 63,000 | $ 89,000 |
| Wise County Texas | 3 | $ 304,000 | $ 101,000 | $ 42,000 |
| Wise County Virginia | 2 | $ 283,000 | $ 141,000 | $ 81,000 |
| Wood County West Virginia | 2 | $ 138,000 | $ 69,000 | $ 29,000 |
| Worcester County Maryland | 1 | $ 37,000 | $ 37,000 | $ 40,000 |
| Worcester County Massachusetts | 9 | $ 1,599,000 | $ 177,000 | $ 58,000 |
| Wyandotte County Kansas | 1 | $ 93,000 | $ 93,000 | $ 0 |
| York County Pennsylvania | 18 | $ 1,969,000 | $ 109,000 | $ 42,000 |
Mortgage Loan Application Detail Totals for Smc Capital in 2004
Loan Purpose | Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 344 | $36,094,000 | $111,057 | $275,000 | $48,057 | $172,000 |
| Refinancing | 125 | $14,575,000 | $119,360 | $283,000 | $38,320 | $296,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race | Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 290 | $29,523,000 | $113,931 | $275,000 | $45,310 | $296,000 |
| Black or African American | 78 | $8,371,000 | $111,235 | $236,000 | $46,529 | $149,000 |
| Not Provided | 65 | $7,648,000 | $113,571 | $255,000 | $47,666 | $125,000 |
| Hispanic | 27 | $3,874,000 | $136,470 | $283,000 | $35,882 | $89,000 |
| Asian | 5 | $675,000 | $126,750 | $177,000 | $37,500 | $87,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $423,000 | $141,000 | $172,000 | $35,000 | $51,000 |
| American Indian or Alaskan Native | 1 | $155,000 | $155,000 | $155,000 | $172,000 | $172,000 |
| 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 449 | $48,317,000 | $114,694 | $283,000 | $46,194 | $296,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 19 | $2,233,000 | $119,166 | $223,000 | $31,166 | $81,000 |
| VA-guaranteed (Veterans Administration) | 1 | $119,000 | $119,000 | $119,000 | $28,000 | $28,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 366 | $38,427,000 | $112,235 | $283,000 | $48,852 | $296,000 |
| Application Denied By Financial Institution | 67 | $7,868,000 | $113,652 | $245,000 | $36,739 | $81,000 |
| Application Withdrawn By Applicant | 21 | $2,349,000 | $110,076 | $227,000 | $39,384 | $68,000 |
| Application Approved But Not Accepted | 12 | $1,608,000 | $137,600 | $181,000 | $43,600 | $104,000 |
| File Closed For Incompleteness | 3 | $417,000 | $139,000 | $242,000 | $48,666 | $62,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1 | $165,000 | $165,000 | $165,000 | $40,000 | $40,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Smc Capital'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 Smc Capital'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.
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