Acceptance Capital Mortgage Mortgage Lending & HMDA Data, 2016
In 2016, Acceptance Capital Mortgage of Spokane, WA reported 654 mortgage applications totaling $85.1 million, down 23% from 2015. The average application was for $130,070, and applicants reported an average income of $53,269. 84% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Evansville, IN-KY (213), Houston-The Woodlands-Sugar Land, TX (50) and Owensboro, KY (19) (applications in parentheses).
| Mortgage Company & Address | Acceptance Capital Mortgage 113 East Magnesium Rd, Unit D Spokane, WA 99208 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2017 2016 2015 2013 2012 2011 |
| Total Number of Mortgage Applications | 654 |
| Total Mortgage Loan Application Amount | $85,066,000 |
| Average Mortgage Loan Application Amount | $130,070 |
| Highest Mortgage Loan Application Amount | $460,000 |
| Average Applicant Income | $53,269 |
| Highest Applicant Income | $247,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Acceptance Capital Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Acceptance Capital Mortgage in 2016
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 | 580 | $73,322,000 | $126,000 | $439,000 | $53,000 | $247,000 |
| Refinancing | 64 | $9,752,000 | $152,000 | $407,000 | $52,000 | $203,000 |
| Home Improvement | 10 | $1,992,000 | $199,000 | $460,000 | $77,000 | $151,000 |
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 | 546 | $64,233,000 | $117,000 | $460,000 | $50,000 | $201,000 |
| Black or African American | 39 | $7,156,000 | $183,000 | $374,000 | $66,000 | $203,000 |
| Asian | 31 | $7,383,000 | $238,000 | $439,000 | $82,000 | $247,000 |
| Hispanic | 18 | $3,035,000 | $168,000 | $354,000 | $59,000 | $180,000 |
| Not Provided | 12 | $1,448,000 | $120,000 | $315,000 | $49,000 | $109,000 |
| Native Hawaiin or Other Pacific Islander | 6 | $1,583,000 | $263,000 | $315,000 | $65,000 | $81,000 |
| American Indian or Alaskan Native | 2 | $228,000 | $114,000 | $162,000 | $53,000 | $60,000 |
| 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 |
|---|---|---|---|---|---|---|
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 244 | $26,404,000 | $108,000 | $439,000 | $41,000 | $89,000 |
| FHA-insured (Federal Housing Administration) | 235 | $30,051,000 | $127,000 | $336,000 | $53,000 | $180,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 164 | $27,307,000 | $166,000 | $460,000 | $71,000 | $247,000 |
| VA-guaranteed (Veterans Administration) | 11 | $1,304,000 | $118,000 | $170,000 | $53,000 | $99,000 |
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 | 548 | $70,469,000 | $128,000 | $439,000 | $52,000 | $247,000 |
| Application Withdrawn By Applicant | 81 | $11,633,000 | $143,000 | $460,000 | $58,000 | $186,000 |
| Application Denied By Financial Institution | 22 | $2,545,000 | $115,000 | $417,000 | $48,000 | $151,000 |
| File Closed For Incompleteness | 3 | $419,000 | $139,000 | $242,000 | $54,000 | $84,000 |
| Application Approved But Not Accepted | 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 | 8 | $871,000 | $108,000 | $190,000 | $44,000 | $79,000 |
| Debt-To-Income Ratio | 4 | $384,000 | $96,000 | $119,000 | $38,000 | $52,000 |
| Other | 3 | $294,000 | $98,000 | $127,000 | $51,000 | $74,000 |
| Unverifiable Information | 3 | $270,000 | $90,000 | $121,000 | $26,000 | $33,000 |
| Collateral | 2 | $209,000 | $104,000 | $116,000 | $38,000 | $44,000 |
| Credit Application Incomplete | 1 | $100,000 | $100,000 | $100,000 | $91,000 | $91,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $417,000 | $417,000 | $417,000 | $151,000 | $151,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Acceptance Capital Mortgage's 2016 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 Acceptance Capital Mortgage'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 Washington, download the full spreadsheet
with aggregated HMDA statistics today.
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