Amegy Mortgage Company, L.L.C. Mortgage Lending & HMDA Data, 2014
In 2014, Amegy Mortgage Company, L.L.C. of The Woodlands, TX reported 2,309 mortgage applications totaling $878.2 million, down 16% from 2013. The average application was for $380,321, and applicants reported an average income of $228,608. 57% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Houston-The Woodlands-Sugar Land, TX (1,689), Dallas-Plano-Irving, TX (122) and San Antonio-New Braunfels, TX (93) (applications in parentheses).
| Mortgage Company & Address | Amegy Mortgage Company, L.L.C. 4576 Research Forest Drive The Woodlands, TX 77381 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 2,309 |
| Total Mortgage Loan Application Amount | $878,163,000 |
| Average Mortgage Loan Application Amount | $380,321 |
| Highest Mortgage Loan Application Amount | $3,852,000 |
| Average Applicant Income | $228,608 |
| Highest Applicant Income | $8,659,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Amegy Mortgage Company, L.L.C. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Amegy Mortgage Company, L.L.C. in 2014
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 | 1,597 | $607,052,000 | $380,000 | $3,852,000 | $222,000 | $8,659,000 |
| Refinancing | 710 | $271,021,000 | $381,000 | $3,405,000 | $244,000 | $6,056,000 |
| Home Improvement | 2 | $90,000 | $45,000 | $50,000 | $41,000 | $63,000 |
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 | 1,344 | $500,752,000 | $372,000 | $2,870,000 | $228,000 | $8,659,000 |
| Not Provided | 472 | $237,436,000 | $503,000 | $3,852,000 | $312,000 | $6,056,000 |
| Hispanic | 276 | $66,182,000 | $239,000 | $1,985,000 | $138,000 | $2,047,000 |
| Asian | 130 | $49,184,000 | $378,000 | $2,240,000 | $183,000 | $1,010,000 |
| Black or African American | 73 | $21,132,000 | $289,000 | $1,476,000 | $158,000 | $1,278,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $1,693,000 | $241,000 | $496,000 | $89,000 | $221,000 |
| American Indian or Alaskan Native | 7 | $1,784,000 | $254,000 | $525,000 | $192,000 | $513,000 |
| 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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2,225 | $864,014,000 | $388,000 | $3,852,000 | $235,000 | $8,659,000 |
| FHA-insured (Federal Housing Administration) | 77 | $12,099,000 | $157,000 | $301,000 | $75,000 | $383,000 |
| VA-guaranteed (Veterans Administration) | 7 | $2,050,000 | $292,000 | $470,000 | $123,000 | $230,000 |
| 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 | 1,305 | $571,225,000 | $437,000 | $3,405,000 | $261,000 | $6,056,000 |
| Loan Purchased By The Institution | 296 | $46,348,000 | $156,000 | $1,188,000 | $75,000 | $890,000 |
| Application Withdrawn By Applicant | 272 | $108,239,000 | $397,000 | $2,100,000 | $285,000 | $8,659,000 |
| Application Denied By Financial Institution | 196 | $58,285,000 | $297,000 | $2,450,000 | $155,000 | $3,144,000 |
| Application Approved But Not Accepted | 177 | $71,654,000 | $404,000 | $3,852,000 | $257,000 | $2,230,000 |
| File Closed For Incompleteness | 63 | $22,412,000 | $355,000 | $1,316,000 | $208,000 | $1,737,000 |
| 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 | 87 | $29,054,000 | $333,000 | $2,450,000 | $113,000 | $535,000 |
| Other | 48 | $14,920,000 | $310,000 | $2,000,000 | $228,000 | $3,144,000 |
| Credit History | 21 | $4,579,000 | $218,000 | $990,000 | $173,000 | $1,433,000 |
| Collateral | 19 | $3,262,000 | $171,000 | $400,000 | $106,000 | $330,000 |
| Unverifiable Information | 11 | $4,427,000 | $402,000 | $1,213,000 | $269,000 | $1,103,000 |
| Employment History | 6 | $993,000 | $165,000 | $412,000 | $76,000 | $147,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $1,050,000 | $262,000 | $596,000 | $119,000 | $263,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Amegy Mortgage Company, L.L.C.'s 2014 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 Amegy Mortgage Company, L.L.C.'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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