American Home Free Mortgage Mortgage Lending & HMDA Data, 2014
In 2014, American Home Free Mortgage of Prosper, TX reported 738 mortgage applications totaling $92.8 million. The average application was for $125,701, and applicants reported an average income of $61,085. 51% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Houston-The Woodlands-Sugar Land, TX (114), Dallas-Plano-Irving, TX (73) and Fort Worth-Arlington, TX (59) (applications in parentheses).
| Mortgage Company & Address | American Home Free Mortgage Po Box 760 Prosper, TX 75078 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2014 |
| Total Number of Mortgage Applications | 738 |
| Total Mortgage Loan Application Amount | $92,768,000 |
| Average Mortgage Loan Application Amount | $125,701 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $61,085 |
| Highest Applicant Income | $336,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records American Home Free Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Houston-The Woodlands-Sugar Land, TX | 114 | $ 13,783,000 | $ 120,903 | $ 72,000 |
| Dallas-Plano-Irving, TX | 73 | $ 8,517,000 | $ 116,671 | $ 57,000 |
| Fort Worth-Arlington, TX | 59 | $ 6,992,000 | $ 118,508 | $ 57,000 |
| San Antonio-New Braunfels, TX | 44 | $ 6,283,000 | $ 142,795 | $ 63,000 |
| Shreveport-Bossier City, LA | 28 | $ 3,981,000 | $ 142,178 | $ 55,000 |
| Austin-Round Rock, TX | 22 | $ 2,533,000 | $ 115,136 | $ 49,000 |
| Beaumont-Port Arthur, TX | 15 | $ 1,680,000 | $ 112,000 | $ 58,000 |
| Birmingham-Hoover, AL | 14 | $ 1,611,000 | $ 115,071 | $ 38,000 |
| Montgomery, AL | 12 | $ 1,617,000 | $ 134,750 | $ 52,000 |
| Tuscaloosa, AL | 11 | $ 1,372,000 | $ 124,727 | $ 45,000 |
| Lafayette, LA | 9 | $ 1,399,000 | $ 155,444 | $ 75,000 |
| Mobile, AL | 8 | $ 868,000 | $ 108,500 | $ 43,000 |
| Hinesville, GA | 7 | $ 684,000 | $ 97,714 | $ 50,000 |
| Tulsa, OK | 7 | $ 1,160,000 | $ 165,714 | $ 74,000 |
| Tyler, TX | 7 | $ 912,000 | $ 130,285 | $ 52,000 |
| Corpus Christi, TX | 6 | $ 647,000 | $ 107,833 | $ 56,000 |
| Texarkana, TX-AR | 6 | $ 606,000 | $ 101,000 | $ 41,166 |
| Baton Rouge, LA | 5 | $ 744,000 | $ 148,800 | $ 62,000 |
| Jackson, MS | 5 | $ 857,000 | $ 171,400 | $ 56,000 |
| Killeen-Temple, TX | 5 | $ 873,000 | $ 174,600 | $ 75,000 |
| Memphis, TN-MS-AR | 5 | $ 1,142,000 | $ 228,400 | $ 93,600 |
| Waco, TX | 5 | $ 672,000 | $ 134,400 | $ 54,000 |
| Odessa, TX | 4 | $ 606,000 | $ 151,500 | $ 65,000 |
| Abilene, TX | 3 | $ 304,000 | $ 101,333 | $ 87,000 |
| College Station-Bryan, TX | 3 | $ 326,000 | $ 108,666 | $ 51,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 3 | $ 562,000 | $ 187,333 | $ 76,000 |
| Lake Charles, LA | 3 | $ 319,000 | $ 106,333 | $ 72,000 |
| Oklahoma City, OK | 3 | $ 516,000 | $ 172,000 | $ 107,000 |
| Savannah, GA | 3 | $ 347,000 | $ 115,666 | $ 59,000 |
| Sherman-Denison, TX | 3 | $ 260,000 | $ 86,666 | $ 29,000 |
| Victoria, TX | 3 | $ 673,000 | $ 224,333 | $ 63,000 |
| Alexandria, LA | 2 | $ 305,000 | $ 152,500 | $ 54,000 |
| Chattanooga, TN-GA | 2 | $ 252,000 | $ 126,000 | $ 71,500 |
| Daphne-Fairhope-Foley, AL | 2 | $ 500,000 | $ 250,000 | $ 132,000 |
| Fort Smith, AR-OK | 2 | $ 293,000 | $ 146,500 | $ 66,000 |
| Fresno, CA | 2 | $ 389,000 | $ 194,500 | $ 75,000 |
| Gulfport-Biloxi-Pascagoula, MS | 2 | $ 278,000 | $ 139,000 | $ 84,000 |
| Houma-Thibodaux, LA | 2 | $ 420,000 | $ 210,000 | $ 75,000 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 305,000 | $ 152,500 | $ 56,000 |
| Longview, TX | 2 | $ 255,000 | $ 127,500 | $ 52,000 |
| New Orleans-Metairie, LA | 2 | $ 313,000 | $ 156,500 | $ 65,000 |
| Athens-Clarke County, GA | 1 | $ 83,000 | $ 83,000 | $ 22,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 92,000 | $ 92,000 | $ 29,000 |
| Bakersfield, CA | 1 | $ 143,000 | $ 143,000 | $ 74,000 |
| Brownsville-Harlingen, TX | 1 | $ 140,000 | $ 140,000 | $ 126,000 |
| Hattiesburg, MS | 1 | $ 123,000 | $ 123,000 | $ 31,000 |
| Huntsville, AL | 1 | $ 195,000 | $ 195,000 | $ 132,000 |
| Midland, TX | 1 | $ 274,000 | $ 274,000 | $ 120,000 |
| Monroe, LA | 1 | $ 124,000 | $ 124,000 | $ 34,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 196,000 | $ 196,000 | $ 84,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 130,000 | $ 130,000 | $ 55,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 55,000 | $ 55,000 | $ 72,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 417,000 | $ 417,000 | $ 40,000 |
| Wichita Falls, TX | 1 | $ 49,000 | $ 49,000 | $ 33,000 |
Mortgage Loan Application Detail Totals for American Home Free Mortgage 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 | 717 | $89,772,000 | $125,000 | $417,000 | $61,000 | $336,000 |
| Refinancing | 21 | $2,996,000 | $142,000 | $316,000 | $64,000 | $132,000 |
| 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 | 550 | $69,229,000 | $125,000 | $417,000 | $64,000 | $336,000 |
| Hispanic | 93 | $11,589,000 | $124,000 | $316,000 | $55,000 | $126,000 |
| Black or African American | 74 | $9,482,000 | $128,000 | $287,000 | $49,000 | $119,000 |
| Not Provided | 15 | $1,802,000 | $120,000 | $231,000 | $63,000 | $147,000 |
| Asian | 3 | $274,000 | $91,000 | $141,000 | $36,000 | $46,000 |
| American Indian or Alaskan Native | 2 | $275,000 | $137,000 | $153,000 | $65,000 | $80,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $117,000 | $117,000 | $117,000 | $52,000 | $52,000 |
| 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 646 | $81,194,000 | $125,000 | $417,000 | $60,000 | $324,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 56 | $7,050,000 | $125,000 | $316,000 | $75,000 | $336,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 28 | $3,448,000 | $123,000 | $175,000 | $43,000 | $65,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,076,000 | $134,000 | $214,000 | $55,000 | $114,000 |
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 | 374 | $47,064,000 | $125,000 | $417,000 | $61,000 | $170,000 |
| Application Withdrawn By Applicant | 256 | $30,970,000 | $120,000 | $306,000 | $59,000 | $336,000 |
| Application Denied By Financial Institution | 91 | $12,150,000 | $133,000 | $290,000 | $68,000 | $324,000 |
| File Closed For Incompleteness | 9 | $1,250,000 | $138,000 | $203,000 | $51,000 | $81,000 |
| Application Approved But Not Accepted | 8 | $1,334,000 | $166,000 | $316,000 | $70,000 | $164,000 |
| 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 | 49 | $6,302,000 | $128,000 | $245,000 | $62,000 | $162,000 |
| Debt-To-Income Ratio | 13 | $2,058,000 | $158,000 | $290,000 | $71,000 | $132,000 |
| Other | 7 | $956,000 | $136,000 | $216,000 | $98,000 | $324,000 |
| Employment History | 6 | $774,000 | $129,000 | $172,000 | $76,000 | $173,000 |
| Collateral | 5 | $565,000 | $113,000 | $144,000 | $114,000 | $261,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $145,000 | $72,000 | $75,000 | $26,000 | $30,000 |
| Unverifiable Information | 1 | $268,000 | $268,000 | $268,000 | $79,000 | $79,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American Home Free Mortgage'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 American Home Free 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.
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