Ameripro Funding Mortgage Lending & HMDA Data, 2012
In 2012, Ameripro Funding of Austin, TX reported 5,456 mortgage applications totaling $997.2 million, up 31% from 2011. The average application was for $182,768, and applicants reported an average income of $90,814. 78% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Austin-Round Rock-San Marcos, TX (1,814), Houston-Sugar Land-Baytown, TX (1,095) and Dallas-Plano-Irving, TX (826) (applications in parentheses).
| Mortgage Company & Address | Ameripro Funding 8300 N. Mopac Expressway Suite 120 Austin, TX 78759 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 |
| Total Number of Mortgage Applications | 5,456 |
| Total Mortgage Loan Application Amount | $997,186,000 |
| Average Mortgage Loan Application Amount | $182,768 |
| Highest Mortgage Loan Application Amount | $1,424,000 |
| Average Applicant Income | $90,814 |
| Highest Applicant Income | $2,400,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Ameripro Funding filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Austin-Round Rock-San Marcos, TX | 1,814 | $ 385,374,000 | $ 212,444 | $ 106,000 |
| Houston-Sugar Land-Baytown, TX | 1,095 | $ 179,911,000 | $ 164,302 | $ 75,000 |
| Dallas-Plano-Irving, TX | 826 | $ 147,421,000 | $ 178,475 | $ 93,000 |
| San Antonio-New Braunfels, TX | 502 | $ 81,863,000 | $ 163,073 | $ 68,000 |
| Fort Worth-Arlington, TX | 445 | $ 68,245,000 | $ 153,359 | $ 75,000 |
| Beaumont-Port Arthur, TX | 285 | $ 45,108,000 | $ 158,273 | $ 80,000 |
| Tulsa, OK | 122 | $ 29,507,000 | $ 241,860 | $ 133,000 |
| McAllen-Edinburg-Mission, TX | 67 | $ 8,829,000 | $ 131,776 | $ 68,000 |
| Sherman-Denison, TX | 39 | $ 5,608,000 | $ 143,794 | $ 80,000 |
| El Paso, TX | 28 | $ 4,664,000 | $ 166,571 | $ 120,000 |
| Laredo, TX | 14 | $ 3,080,000 | $ 220,000 | $ 120,000 |
| College Station-Bryan, TX | 12 | $ 1,835,000 | $ 152,916 | $ 121,000 |
| Waco, TX | 11 | $ 1,530,000 | $ 139,090 | $ 61,000 |
| Corpus Christi, TX | 9 | $ 2,076,000 | $ 230,666 | $ 111,000 |
| Tyler, TX | 9 | $ 1,655,000 | $ 183,888 | $ 108,000 |
| Brownsville-Harlingen, TX | 8 | $ 1,143,000 | $ 142,875 | $ 83,000 |
| Killeen-Temple-Fort Hood, TX | 8 | $ 1,105,000 | $ 138,125 | $ 54,000 |
| Longview, TX | 8 | $ 1,492,000 | $ 186,500 | $ 129,000 |
| Amarillo, TX | 7 | $ 895,000 | $ 127,857 | $ 57,000 |
| Midland, TX | 6 | $ 1,195,000 | $ 199,166 | $ 73,000 |
| Lubbock, TX | 5 | $ 974,000 | $ 194,800 | $ 118,000 |
| Oklahoma City, OK | 4 | $ 734,000 | $ 183,500 | $ 105,000 |
| San Angelo, TX | 3 | $ 1,042,000 | $ 347,333 | $ 198,000 |
| Abilene, TX | 2 | $ 255,000 | $ 127,500 | $ 56,000 |
| Denver-Aurora-Broomfield, CO | 2 | $ 661,000 | $ 330,500 | $ 95,000 |
| Odessa, TX | 2 | $ 332,000 | $ 166,000 | $ 121,000 |
| Victoria, TX | 2 | $ 274,000 | $ 137,000 | $ 75,000 |
| Wichita Falls, TX | 1 | $ 330,000 | $ 330,000 | $ 432,000 |
Mortgage Loan Application Detail Totals for Ameripro Funding in 2012
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 | 4,000 | $674,209,000 | $168,000 | $1,000,000 | $78,000 | $2,253,000 |
| Refinancing | 1,454 | $322,535,000 | $221,000 | $1,424,000 | $126,000 | $2,400,000 |
| Home Improvement | 2 | $442,000 | $221,000 | $280,000 | $139,000 | $175,000 |
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 | 3,258 | $632,825,000 | $194,000 | $1,295,000 | $101,000 | $2,253,000 |
| Hispanic | 1,095 | $162,577,000 | $148,000 | $1,424,000 | $63,000 | $2,400,000 |
| Black or African American | 502 | $75,415,000 | $150,000 | $518,000 | $60,000 | $616,000 |
| Not Provided | 419 | $89,764,000 | $214,000 | $748,000 | $114,000 | $1,100,000 |
| Asian | 157 | $30,941,000 | $197,000 | $608,000 | $100,000 | $491,000 |
| American Indian or Alaskan Native | 15 | $3,195,000 | $213,000 | $368,000 | $87,000 | $197,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $2,469,000 | $246,000 | $939,000 | $76,000 | $222,000 |
| 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) | 2,407 | $537,436,000 | $223,000 | $1,424,000 | $131,000 | $2,400,000 |
| FHA-insured (Federal Housing Administration) | 1,974 | $291,486,000 | $147,000 | $336,000 | $64,000 | $924,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 737 | $102,795,000 | $139,000 | $271,000 | $44,000 | $102,000 |
| VA-guaranteed (Veterans Administration) | 338 | $65,469,000 | $193,000 | $652,000 | $63,000 | $283,000 |
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 | 4,258 | $782,882,000 | $183,000 | $1,295,000 | $92,000 | $2,253,000 |
| Application Withdrawn By Applicant | 696 | $124,591,000 | $179,000 | $1,424,000 | $86,000 | $2,400,000 |
| Application Denied By Financial Institution | 255 | $49,717,000 | $194,000 | $1,258,000 | $103,000 | $1,100,000 |
| File Closed For Incompleteness | 239 | $38,933,000 | $162,000 | $960,000 | $74,000 | $453,000 |
| Application Approved But Not Accepted | 8 | $1,063,000 | $132,000 | $175,000 | $61,000 | $142,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 88 | $16,430,000 | $186,000 | $910,000 | $78,000 | $792,000 |
| Credit History | 47 | $9,028,000 | $192,000 | $662,000 | $96,000 | $650,000 |
| Collateral | 44 | $9,552,000 | $217,000 | $939,000 | $155,000 | $660,000 |
| Other | 23 | $3,868,000 | $168,000 | $417,000 | $104,000 | $720,000 |
| Employment History | 23 | $3,828,000 | $166,000 | $600,000 | $75,000 | $275,000 |
| Unverifiable Information | 19 | $4,023,000 | $211,000 | $616,000 | $136,000 | $1,100,000 |
| Credit Application Incomplete | 5 | $2,092,000 | $418,000 | $1,258,000 | $170,000 | $352,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $623,000 | $155,000 | $240,000 | $90,000 | $215,000 |
| Mortgage Insurance Denied | 2 | $273,000 | $136,000 | $149,000 | $112,000 | $126,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ameripro Funding's 2012 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 Ameripro Funding'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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