Lender profile · HMDA 2023–2025
Home Mortgage Alliance Corporation (Hmac) mortgage approval rates & lending data
Home Mortgage Alliance Corporation (Hmac) decided 7,434 mortgage applications and funded 5,149 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 85% | 2,441 / 2,878 | 89% | $415K | 2,180 |
| Cash-out refinance | 84% | 2,118 / 2,533 | 80% | $205K | 1,691 |
| Refinance | 69% | 165 / 239 | 74% | $485K | 122 |
| Investment property purchase | 88% | 627 / 716 | 85% | $275K | 535 |
| Investment cash-out refinance | 78% | 687 / 880 | 80% | $255K | 552 |
| Investment refinance | 65% | 122 / 188 | 57% | $425K | 69 |
Home Mortgage Alliance Corporation (Hmac) lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 83% | $255K | 3,554 | 2,454 |
| Florida | 81% | $245K | 996 | 658 |
| Texas | 78% | $315K | 385 | 250 |
| Arizona | 86% | $285K | 358 | 242 |
| Georgia | 89% | $265K | 228 | 173 |
| Minnesota | 82% | $365K | 216 | 172 |
| Virginia | 91% | $305K | 177 | 153 |
| New Jersey | 84% | $215K | 157 | 108 |
| Washington | 84% | $675K | 135 | 101 |
| Maryland | 85% | $285K | 131 | 95 |
| Hawaii | 77% | $355K | 96 | 54 |
| Illinois | 75% | $225K | 89 | 54 |
| Ohio | 94% | $365K | 88 | 76 |
| Nevada | 81% | $205K | 84 | 58 |
| Pennsylvania | 94% | $265K | 82 | 66 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.