Alethes, LLC Mortgage Lending & HMDA Data, 2005
In 2005, Alethes, LLC of Austin, TX reported 2,591 mortgage applications totaling $301.6 million, up 26% from 2004. The average application was for $116,389, and applicants reported an average income of $59,502. 80% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Austin-Round Rock, TX (664), Dallas-Plano-Irving, TX (600) and Fort Worth-Arlington, TX (462) (applications in parentheses).
| Mortgage Company & Address | Alethes, LLC 8601 Rr 2222 Bldg 1 Ste 150 Austin, TX 78730 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 2004 |
| Total Number of Mortgage Applications | 2,591 |
| Total Mortgage Loan Application Amount | $301,564,000 |
| Average Mortgage Loan Application Amount | $116,389 |
| Highest Mortgage Loan Application Amount | $770,000 |
| Average Applicant Income | $59,502 |
| Highest Applicant Income | $1,020,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Alethes, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Dallas, Texas | 400 | $ 44,402,000 | $ 111,005 | $ 46,000 |
| Tarrant, Texas | 315 | $ 37,005,000 | $ 117,476 | $ 55,000 |
| Travis, Texas | 305 | $ 40,301,000 | $ 132,134 | $ 83,000 |
| Williamson, Texas | 210 | $ 27,569,000 | $ 131,280 | $ 64,000 |
| Johnson, Texas | 104 | $ 9,994,000 | $ 96,096 | $ 40,000 |
| Hays, Texas | 88 | $ 11,752,000 | $ 133,545 | $ 75,000 |
| Collin, Texas | 85 | $ 11,447,000 | $ 134,670 | $ 81,000 |
| Victoria, Texas | 85 | $ 7,589,000 | $ 89,282 | $ 57,000 |
| Denton, Texas | 84 | $ 11,650,000 | $ 138,690 | $ 69,000 |
| Bastrop, Texas | 54 | $ 6,277,000 | $ 116,240 | $ 57,000 |
| Dale, Alabama | 41 | $ 3,319,000 | $ 80,951 | $ 35,000 |
| Houston, Alabama | 41 | $ 4,599,000 | $ 112,170 | $ 51,000 |
| Guadalupe, Texas | 37 | $ 3,413,000 | $ 92,243 | $ 49,000 |
| Parker, Texas | 31 | $ 2,942,000 | $ 94,903 | $ 38,000 |
| Harris, Texas | 28 | $ 3,792,000 | $ 135,428 | $ 76,000 |
| Bexar, Texas | 27 | $ 3,187,000 | $ 118,037 | $ 63,000 |
| Shelby, Alabama | 22 | $ 3,614,000 | $ 164,272 | $ 56,000 |
| Jefferson, Alabama | 20 | $ 2,685,000 | $ 134,250 | $ 60,000 |
| Bullitt, Kentucky | 18 | $ 2,282,000 | $ 126,777 | $ 42,000 |
| Grayson, Texas | 18 | $ 1,402,000 | $ 77,888 | $ 32,000 |
| McLennan, Texas | 18 | $ 2,192,000 | $ 121,777 | $ 89,000 |
| Cullman, Alabama | 16 | $ 1,708,000 | $ 106,750 | $ 37,000 |
| Aransas, Texas | 16 | $ 1,428,000 | $ 89,250 | $ 65,000 |
| Geneva, Alabama | 14 | $ 1,955,000 | $ 139,642 | $ 52,000 |
| Comal, Texas | 13 | $ 1,433,000 | $ 110,230 | $ 62,000 |
| Ellis, Texas | 13 | $ 1,446,000 | $ 111,230 | $ 54,000 |
| Wise, Texas | 12 | $ 1,269,000 | $ 105,750 | $ 43,000 |
| Tuscaloosa, Alabama | 11 | $ 1,569,000 | $ 142,636 | $ 52,000 |
| Bell, Texas | 11 | $ 1,551,000 | $ 141,000 | $ 65,000 |
| Hood, Texas | 11 | $ 983,000 | $ 89,363 | $ 55,000 |
| Montgomery, Texas | 10 | $ 1,205,000 | $ 120,500 | $ 72,000 |
| Henry, Alabama | 9 | $ 767,000 | $ 85,222 | $ 53,000 |
| Tulsa, Oklahoma | 9 | $ 755,000 | $ 83,888 | $ 45,000 |
| Kaufman, Texas | 8 | $ 958,000 | $ 119,750 | $ 50,000 |
| Nueces, Texas | 8 | $ 908,000 | $ 113,500 | $ 66,000 |
| Jefferson, Kentucky | 7 | $ 685,000 | $ 97,857 | $ 55,000 |
| Delaware, Oklahoma | 7 | $ 710,000 | $ 101,428 | $ 69,000 |
| Burnet, Texas | 7 | $ 724,000 | $ 103,428 | $ 41,000 |
| Caldwell, Texas | 7 | $ 798,000 | $ 114,000 | $ 51,000 |
| Hardin, Texas | 6 | $ 460,000 | $ 76,666 | $ 56,000 |
| Refugio, Texas | 6 | $ 327,000 | $ 54,500 | $ 33,000 |
| Rockwall, Texas | 6 | $ 814,000 | $ 135,666 | $ 55,000 |
| Wichita, Texas | 6 | $ 402,000 | $ 67,000 | $ 43,000 |
| Marshall, Alabama | 5 | $ 396,000 | $ 79,200 | $ 28,000 |
| San Patricio, Texas | 5 | $ 385,000 | $ 77,000 | $ 42,000 |
| Walker, Texas | 5 | $ 600,000 | $ 120,000 | $ 157,000 |
| Oklahoma, Oklahoma | 4 | $ 331,000 | $ 82,750 | $ 33,000 |
| Calhoun, Texas | 4 | $ 411,000 | $ 102,750 | $ 49,000 |
| DeWitt, Texas | 4 | $ 331,000 | $ 82,750 | $ 34,000 |
| El Paso, Texas | 4 | $ 344,000 | $ 86,000 | $ 33,000 |
| Fannin, Texas | 4 | $ 470,000 | $ 117,500 | $ 74,000 |
| Fort Bend, Texas | 4 | $ 566,000 | $ 141,500 | $ 90,000 |
| Gregg, Texas | 4 | $ 386,000 | $ 96,500 | $ 40,000 |
| Hidalgo, Texas | 4 | $ 508,000 | $ 127,000 | $ 50,000 |
| Hunt, Texas | 4 | $ 473,000 | $ 118,250 | $ 44,000 |
| Wilson, Texas | 4 | $ 424,000 | $ 106,000 | $ 61,000 |
| Montgomery, Alabama | 3 | $ 386,000 | $ 128,666 | $ 40,000 |
| Bee, Texas | 3 | $ 198,000 | $ 66,000 | $ 39,000 |
| Brown, Texas | 3 | $ 282,000 | $ 94,000 | $ 75,000 |
| Jackson, Texas | 3 | $ 194,000 | $ 64,666 | $ 35,000 |
| Jasper, Texas | 3 | $ 295,000 | $ 98,333 | $ 60,000 |
| San Saba, Texas | 3 | $ 152,000 | $ 50,666 | $ 21,000 |
| Smith, Texas | 3 | $ 350,000 | $ 116,666 | $ 107,000 |
| Autauga, Alabama | 2 | $ 207,000 | $ 103,500 | $ 95,000 |
| Barbour, Alabama | 2 | $ 212,000 | $ 106,000 | $ 50,000 |
| Bibb, Alabama | 2 | $ 156,000 | $ 78,000 | $ 37,000 |
| Calhoun, Alabama | 2 | $ 290,000 | $ 145,000 | $ 88,000 |
| Coffee, Alabama | 2 | $ 193,000 | $ 96,500 | $ 57,000 |
| Covington, Alabama | 2 | $ 163,000 | $ 81,500 | $ 56,000 |
| St. Clair, Alabama | 2 | $ 197,000 | $ 98,500 | $ 46,000 |
| Talladega, Alabama | 2 | $ 133,000 | $ 66,500 | $ 70,000 |
| Walker, Alabama | 2 | $ 274,000 | $ 137,000 | $ 68,000 |
| Independence, Arkansas | 2 | $ 149,000 | $ 74,500 | $ 132,000 |
| Washington, Arkansas | 2 | $ 228,000 | $ 114,000 | $ 100,000 |
| Okmulgee, Oklahoma | 2 | $ 219,000 | $ 109,500 | $ 45,000 |
| Bosque, Texas | 2 | $ 188,000 | $ 94,000 | $ 31,000 |
| Brazoria, Texas | 2 | $ 128,000 | $ 64,000 | $ 71,000 |
| Brewster, Texas | 2 | $ 130,000 | $ 65,000 | $ 73,000 |
| Cameron, Texas | 2 | $ 195,000 | $ 97,500 | $ 39,000 |
| Eastland, Texas | 2 | $ 116,000 | $ 58,000 | $ 33,000 |
| Frio, Texas | 2 | $ 175,000 | $ 87,500 | $ 125,000 |
| Goliad, Texas | 2 | $ 375,000 | $ 187,500 | $ 73,000 |
| Hill, Texas | 2 | $ 134,000 | $ 67,000 | $ 40,000 |
| Llano, Texas | 2 | $ 137,000 | $ 68,500 | $ 39,000 |
| Palo Pinto, Texas | 2 | $ 135,000 | $ 67,500 | $ 42,000 |
| Tom Green, Texas | 2 | $ 149,000 | $ 74,500 | $ 36,000 |
| Washington, Texas | 2 | $ 189,000 | $ 94,500 | $ 50,000 |
| Blount, Alabama | 1 | $ 125,000 | $ 125,000 | $ 55,000 |
| Chilton, Alabama | 1 | $ 153,000 | $ 153,000 | $ 48,000 |
| Hale, Alabama | 1 | $ 99,000 | $ 99,000 | $ 25,000 |
| Morgan, Alabama | 1 | $ 70,000 | $ 70,000 | $ 23,000 |
| Benton, Arkansas | 1 | $ 36,000 | $ 36,000 | $ 70,000 |
| Crawford, Arkansas | 1 | $ 137,000 | $ 137,000 | $ 85,000 |
| El Paso, Colorado | 1 | $ 115,000 | $ 115,000 | $ 35,000 |
| Monroe, Indiana | 1 | $ 161,000 | $ 161,000 | $ 69,000 |
| Fayette, Kentucky | 1 | $ 457,000 | $ 457,000 | $ 128,000 |
| Nelson, Kentucky | 1 | $ 78,000 | $ 78,000 | $ 27,000 |
| Jasper, Missouri | 1 | $ 51,000 | $ 51,000 | $ 120,000 |
| Beckham, Oklahoma | 1 | $ 72,000 | $ 72,000 | $ 74,000 |
| Creek, Oklahoma | 1 | $ 99,000 | $ 99,000 | $ 51,000 |
| Mayes, Oklahoma | 1 | $ 52,000 | $ 52,000 | $ 13,000 |
| Ottawa, Oklahoma | 1 | $ 79,000 | $ 79,000 | $ 32,000 |
| Abbeville, South Carolina | 1 | $ 86,000 | $ 86,000 | $ 38,000 |
| York, South Carolina | 1 | $ 125,000 | $ 125,000 | $ 45,000 |
| Shelby, Tennessee | 1 | $ 234,000 | $ 234,000 | $ 96,000 |
| Austin, Texas | 1 | $ 114,000 | $ 114,000 | $ 68,000 |
| Bowie, Texas | 1 | $ 73,000 | $ 73,000 | $ 49,000 |
| Camp, Texas | 1 | $ 94,000 | $ 94,000 | $ 44,000 |
| Clay, Texas | 1 | $ 57,000 | $ 57,000 | $ 32,000 |
| Coleman, Texas | 1 | $ 152,000 | $ 152,000 | $ 49,000 |
| Cooke, Texas | 1 | $ 79,000 | $ 79,000 | $ 44,000 |
| Erath, Texas | 1 | $ 57,000 | $ 57,000 | $ 31,000 |
| Fayette, Texas | 1 | $ 172,000 | $ 172,000 | $ 59,000 |
| Gonzales, Texas | 1 | $ 62,000 | $ 62,000 | $ 28,000 |
| Hamilton, Texas | 1 | $ 42,000 | $ 42,000 | $ 58,000 |
| Hopkins, Texas | 1 | $ 140,000 | $ 140,000 | $ 82,000 |
| Jeff Davis, Texas | 1 | $ 128,000 | $ 128,000 | $ 64,000 |
| Jefferson, Texas | 1 | $ 72,000 | $ 72,000 | $ 29,000 |
| Lampasas, Texas | 1 | $ 152,000 | $ 152,000 | $ 44,000 |
| Lee, Texas | 1 | $ 118,000 | $ 118,000 | $ 32,000 |
| Live Oak, Texas | 1 | $ 50,000 | $ 50,000 | $ 44,000 |
| Lubbock, Texas | 1 | $ 92,000 | $ 92,000 | $ 65,000 |
| Marion, Texas | 1 | $ 153,000 | $ 153,000 | $ 87,000 |
| Maverick, Texas | 1 | $ 96,000 | $ 96,000 | $ 29,000 |
| Navarro, Texas | 1 | $ 74,000 | $ 74,000 | $ 40,000 |
| Potter, Texas | 1 | $ 61,000 | $ 61,000 | $ 26,000 |
| Rains, Texas | 1 | $ 57,000 | $ 57,000 | $ 73,000 |
| Randall, Texas | 1 | $ 169,000 | $ 169,000 | $ 74,000 |
| Rusk, Texas | 1 | $ 97,000 | $ 97,000 | $ 31,000 |
| Titus, Texas | 1 | $ 148,000 | $ 148,000 | $ 54,000 |
| Tyler, Texas | 1 | $ 128,000 | $ 128,000 | $ 70,000 |
| Wood, Texas | 1 | $ 75,000 | $ 75,000 | $ 60,000 |
| Young, Texas | 1 | $ 104,000 | $ 104,000 | $ 27,000 |
Mortgage Loan Application Detail Totals for Alethes, LLC 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 1,870 | $210,551,000 | $113,727 | $770,000 | $61,636 | $1,020,000 |
| Refinancing | 721 | $91,013,000 | $129,666 | $474,000 | $66,333 | $550,000 |
| 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 | 866 | $102,241,000 | $115,555 | $770,000 | $68,555 | $480,000 |
| Not Provided | 792 | $92,423,000 | $119,000 | $750,000 | $51,714 | $1,020,000 |
| Hispanic | 512 | $55,273,000 | $98,500 | $306,000 | $46,500 | $256,000 |
| Black or African American | 398 | $48,661,000 | $98,500 | $309,000 | $42,000 | $450,000 |
| Asian | 16 | $2,083,000 | $93,000 | $180,000 | $54,000 | $550,000 |
| American Indian or Alaskan Native | 7 | $883,000 | $126,000 | $168,000 | $48,000 | $76,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 2,048 | $232,026,000 | $91,571 | $180,000 | $38,000 | $550,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 433 | $55,183,000 | $106,500 | $770,000 | $74,125 | $1,020,000 |
| VA-guaranteed (Veterans Administration) | 98 | $13,419,000 | $155,666 | $258,000 | $62,166 | $193,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $936,000 | $79,500 | $131,000 | $28,000 | $51,000 |
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 | 2,080 | $243,981,000 | $121,888 | $770,000 | $70,444 | $550,000 |
| File Closed For Incompleteness | 157 | $17,419,000 | $94,714 | $750,000 | $57,285 | $1,020,000 |
| Application Approved But Not Accepted | 149 | $16,598,000 | $114,333 | $306,000 | $41,000 | $192,000 |
| Application Withdrawn By Applicant | 137 | $15,494,000 | $103,666 | $305,000 | $59,333 | $280,000 |
| Application Denied By Financial Institution | 68 | $8,072,000 | $98,333 | $420,000 | $36,166 | $137,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 61 | $7,533,000 | $99,833 | $420,000 | $36,166 | $137,000 |
| Debt-To-Income Ratio | 3 | $193,000 | $64,000 | $78,000 | $36,000 | $39,000 |
| Employment History | 3 | $275,000 | $91,000 | $149,000 | $87,000 | $132,000 |
| Other | 1 | $71,000 | $71,000 | $71,000 | $33,000 | $33,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Alethes, LLC'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 Alethes, LLC'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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