Affinity Lending Solutions, Ll Mortgage Lending & HMDA Data, 2013
In 2013, Affinity Lending Solutions, Ll of Houston, TX reported 293 mortgage applications totaling $57.8 million. The average application was for $197,184, and applicants reported an average income of $96,993. 66% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Houston-Sugar Land-Baytown, TX (83), Edison-New Brunswick, NJ (21) and Atlanta-Sandy Springs-Marietta, GA (17) (applications in parentheses).
| Mortgage Company & Address | Affinity Lending Solutions, Ll 1700 West Loop South, Suite 21- Houston, TX 77027 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2014 2013 |
| Total Number of Mortgage Applications | 293 |
| Total Mortgage Loan Application Amount | $57,775,000 |
| Average Mortgage Loan Application Amount | $197,184 |
| Highest Mortgage Loan Application Amount | $480,000 |
| Average Applicant Income | $96,993 |
| Highest Applicant Income | $376,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Affinity Lending Solutions, Ll filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Houston-Sugar Land-Baytown, TX | 83 | $ 13,993,000 | $ 168,590 | $ 98,000 |
| Edison-New Brunswick, NJ | 21 | $ 5,643,000 | $ 268,714 | $ 148,000 |
| Atlanta-Sandy Springs-Marietta, GA | 17 | $ 2,150,000 | $ 126,470 | $ 42,000 |
| Denver-Aurora-Broomfield, CO | 17 | $ 4,171,000 | $ 245,352 | $ 90,000 |
| Newark-Union, NJ-PA | 12 | $ 3,385,000 | $ 282,083 | $ 114,000 |
| Columbus, OH | 11 | $ 2,194,000 | $ 199,454 | $ 119,000 |
| Philadelphia, PA | 10 | $ 2,335,000 | $ 233,500 | $ 129,000 |
| Pittsburgh, PA | 10 | $ 2,033,000 | $ 203,300 | $ 98,000 |
| Salt Lake City, UT | 9 | $ 1,759,000 | $ 195,444 | $ 71,000 |
| Beaumont-Port Arthur, TX | 7 | $ 1,051,000 | $ 150,142 | $ 78,000 |
| Dallas-Plano-Irving, TX | 7 | $ 1,595,000 | $ 227,857 | $ 115,000 |
| Fort Worth-Arlington, TX | 6 | $ 1,491,000 | $ 248,500 | $ 88,000 |
| Reading, PA | 6 | $ 941,000 | $ 156,833 | $ 92,000 |
| San Antonio-New Braunfels, TX | 4 | $ 432,000 | $ 108,000 | $ 53,000 |
| Trenton-Ewing, NJ | 4 | $ 876,000 | $ 219,000 | $ 115,000 |
| Amarillo, TX | 3 | $ 622,000 | $ 207,333 | $ 52,000 |
| Austin-Round Rock-San Marcos, TX | 3 | $ 730,000 | $ 243,333 | $ 102,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 573,000 | $ 191,000 | $ 68,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 450,000 | $ 225,000 | $ 149,000 |
| Boulder, CO | 2 | $ 558,000 | $ 279,000 | $ 136,000 |
| Camden, NJ | 2 | $ 380,000 | $ 190,000 | $ 126,000 |
| Durham-Chapel Hill, NC | 2 | $ 382,000 | $ 191,000 | $ 91,000 |
| Holland-Grand Haven, MI | 2 | $ 348,000 | $ 174,000 | $ 94,000 |
| Lancaster, PA | 2 | $ 337,000 | $ 168,500 | $ 92,000 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 773,000 | $ 386,500 | $ 124,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 481,000 | $ 240,500 | $ 156,000 |
| Niles-Benton Harbor, MI | 2 | $ 346,000 | $ 173,000 | $ 47,000 |
| Akron, OH | 1 | $ 98,000 | $ 98,000 | $ 34,000 |
| Asheville, NC | 1 | $ 295,000 | $ 295,000 | $ 102,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 315,000 | $ 315,000 | $ 96,000 |
| Canton-Massillon, OH | 1 | $ 71,000 | $ 71,000 | $ 46,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 1 | $ 130,000 | $ 130,000 | $ 149,000 |
| Chattanooga, TN-GA | 1 | $ 180,000 | $ 180,000 | $ 71,000 |
| Chicago-Joliet-Naperville, IL | 1 | $ 229,000 | $ 229,000 | $ 92,000 |
| Colorado Springs, CO | 1 | $ 127,000 | $ 127,000 | $ 40,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 168,000 | $ 168,000 | $ 144,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 125,000 | $ 125,000 | $ 103,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 95,000 | $ 95,000 | $ 57,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 285,000 | $ 285,000 | $ 86,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 110,000 | $ 110,000 | $ 48,000 |
| Lubbock, TX | 1 | $ 150,000 | $ 150,000 | $ 68,000 |
| Memphis, TN-MS-AR | 1 | $ 227,000 | $ 227,000 | $ 102,000 |
| Midland, TX | 1 | $ 202,000 | $ 202,000 | $ 0 |
| New Haven-Milford, CT | 1 | $ 233,000 | $ 233,000 | $ 139,000 |
| Norwich-New London, CT | 1 | $ 136,000 | $ 136,000 | $ 39,000 |
| Ogden-Clearfield, UT | 1 | $ 338,000 | $ 338,000 | $ 63,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 144,000 | $ 144,000 | $ 44,000 |
| Phoenix-Mesa-Glendale, AZ | 1 | $ 88,000 | $ 88,000 | $ 56,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 345,000 | $ 345,000 | $ 180,000 |
| San Diego-Carlsbad-San Marcos, CA | 1 | $ 283,000 | $ 283,000 | $ 56,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 287,000 | $ 287,000 | $ 127,000 |
| Wilmington, NC | 1 | $ 160,000 | $ 160,000 | $ 144,000 |
Mortgage Loan Application Detail Totals for Affinity Lending Solutions, Ll in 2013
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 | 183 | $37,218,000 | $203,000 | $480,000 | $103,000 | $335,000 |
| Home Purchase | 110 | $20,557,000 | $186,000 | $428,000 | $87,000 | $376,000 |
| 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 | 228 | $47,305,000 | $207,000 | $442,000 | $105,000 | $376,000 |
| Hispanic | 29 | $4,401,000 | $151,000 | $480,000 | $72,000 | $220,000 |
| Black or African American | 24 | $3,145,000 | $131,000 | $332,000 | $47,000 | $120,000 |
| Asian | 6 | $1,491,000 | $248,000 | $415,000 | $111,000 | $194,000 |
| Not Provided | 4 | $1,125,000 | $281,000 | $336,000 | $108,000 | $162,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $308,000 | $154,000 | $156,000 | $67,000 | $71,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 213 | $43,545,000 | $204,000 | $480,000 | $110,000 | $376,000 |
| FHA-insured (Federal Housing Administration) | 56 | $9,093,000 | $162,000 | $428,000 | $59,000 | $174,000 |
| VA-guaranteed (Veterans Administration) | 22 | $4,806,000 | $218,000 | $442,000 | $77,000 | $225,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $331,000 | $165,000 | $246,000 | $44,000 | $57,000 |
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 | 193 | $39,126,000 | $202,000 | $442,000 | $104,000 | $376,000 |
| Application Withdrawn By Applicant | 61 | $12,285,000 | $201,000 | $480,000 | $94,000 | $240,000 |
| Application Denied By Financial Institution | 25 | $4,081,000 | $163,000 | $417,000 | $62,000 | $213,000 |
| File Closed For Incompleteness | 14 | $2,283,000 | $163,000 | $276,000 | $79,000 | $186,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 Affinity Lending Solutions, Ll's 2013 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 Affinity Lending Solutions, Ll'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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