Ark-La-Tex Financial Services Mortgage Lending & HMDA Data, 2004
In 2004, Ark-La-Tex Financial Services of Plano, TX reported 1,139 mortgage applications totaling $201.1 million. The average application was for $176,536, and applicants reported an average income of $55,896. 71% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Dallas-Plano-Irving, TX (462), Fort Worth-Arlington, TX (143) and Shreveport-Bossier City, LA (87) (applications in parentheses).
| Mortgage Company & Address | Ark-La-Tex Financial Services 5160 Tennyson Pkwy, Suite 2000w Plano, TX 75024 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 1,139 |
| Total Mortgage Loan Application Amount | $201,075,000 |
| Average Mortgage Loan Application Amount | $176,536 |
| Highest Mortgage Loan Application Amount | $60,000,000 |
| Average Applicant Income | $55,896 |
| Highest Applicant Income | $540,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Ark-La-Tex Financial Services filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 263 | $ 91,288,000 | $ 347,102 | $ 46,000 |
| Tarrant, Texas | 132 | $ 15,734,000 | $ 119,196 | $ 51,000 |
| Collin, Texas | 93 | $ 14,938,000 | $ 160,623 | $ 79,000 |
| Denton, Texas | 62 | $ 9,427,000 | $ 152,048 | $ 60,000 |
| Caddo, Louisiana | 45 | $ 4,777,000 | $ 106,155 | $ 62,000 |
| Bossier, Louisiana | 42 | $ 4,061,000 | $ 96,690 | $ 55,000 |
| Bexar, Texas | 29 | $ 2,540,000 | $ 87,586 | $ 54,000 |
| McLennan, Texas | 27 | $ 2,254,000 | $ 83,481 | $ 44,000 |
| Ellis, Texas | 25 | $ 2,847,000 | $ 113,880 | $ 65,000 |
| Harris, Texas | 23 | $ 3,260,000 | $ 141,739 | $ 61,000 |
| Travis, Texas | 17 | $ 4,108,000 | $ 241,647 | $ 117,000 |
| Ouachita, Louisiana | 13 | $ 1,217,000 | $ 93,615 | $ 55,000 |
| Harrison, Mississippi | 13 | $ 1,251,000 | $ 96,230 | $ 48,000 |
| East Baton Rouge, Louisiana | 11 | $ 1,099,000 | $ 99,909 | $ 42,000 |
| DeKalb, Georgia | 10 | $ 1,125,000 | $ 112,500 | $ 34,000 |
| Fulton, Georgia | 9 | $ 1,823,000 | $ 202,555 | $ 133,000 |
| Jackson, Mississippi | 9 | $ 549,000 | $ 61,000 | $ 35,000 |
| Cameron, Texas | 9 | $ 786,000 | $ 87,333 | $ 46,000 |
| Hunt, Texas | 9 | $ 635,000 | $ 70,555 | $ 41,000 |
| Salt Lake, Utah | 8 | $ 1,361,000 | $ 170,125 | $ 50,000 |
| Fort Bend, Texas | 7 | $ 657,000 | $ 93,857 | $ 53,000 |
| Hidalgo, Texas | 7 | $ 630,000 | $ 90,000 | $ 55,000 |
| Cobb, Georgia | 6 | $ 794,000 | $ 132,333 | $ 41,000 |
| Johnson, Texas | 6 | $ 1,055,000 | $ 175,833 | $ 17,000 |
| Williamson, Texas | 6 | $ 555,000 | $ 92,500 | $ 35,000 |
| Lee, Florida | 5 | $ 2,194,000 | $ 438,800 | $ 135,000 |
| Paulding, Georgia | 5 | $ 637,000 | $ 127,400 | $ 59,000 |
| Hancock, Mississippi | 5 | $ 503,000 | $ 100,600 | $ 43,000 |
| Kaufman, Texas | 5 | $ 576,000 | $ 115,200 | $ 49,000 |
| Rockwall, Texas | 5 | $ 594,000 | $ 118,800 | $ 82,000 |
| El Paso, Colorado | 4 | $ 1,168,000 | $ 292,000 | $ 199,000 |
| Jefferson, Louisiana | 4 | $ 451,000 | $ 112,750 | $ 16,000 |
| Lafayette, Louisiana | 4 | $ 497,000 | $ 124,250 | $ 47,000 |
| Lubbock, Texas | 4 | $ 522,000 | $ 130,500 | $ 55,000 |
| Parker, Texas | 4 | $ 261,000 | $ 65,250 | $ 148,000 |
| Duval, Florida | 3 | $ 422,000 | $ 140,666 | $ 60,000 |
| Polk, Florida | 3 | $ 282,000 | $ 94,000 | $ 41,000 |
| St. Charles, Missouri | 3 | $ 762,000 | $ 254,000 | $ 100,000 |
| Bell, Texas | 3 | $ 481,000 | $ 160,333 | $ 66,000 |
| Ector, Texas | 3 | $ 217,000 | $ 72,333 | $ 47,000 |
| Midland, Texas | 3 | $ 220,000 | $ 73,333 | $ 38,000 |
| Morgan, Alabama | 2 | $ 254,000 | $ 127,000 | $ 49,000 |
| Washington, Arkansas | 2 | $ 390,000 | $ 195,000 | $ 47,000 |
| Jefferson, Colorado | 2 | $ 183,000 | $ 91,500 | $ 47,000 |
| Broward, Florida | 2 | $ 337,000 | $ 168,500 | $ 43,000 |
| Miami-Dade, Florida | 2 | $ 282,000 | $ 141,000 | $ 29,000 |
| Pinellas, Florida | 2 | $ 166,000 | $ 83,000 | $ 46,000 |
| St. Lucie, Florida | 2 | $ 275,000 | $ 137,500 | $ 32,000 |
| Bibb, Georgia | 2 | $ 240,000 | $ 120,000 | $ 11,000 |
| Carroll, Georgia | 2 | $ 260,000 | $ 130,000 | $ 24,000 |
| Clayton, Georgia | 2 | $ 202,000 | $ 101,000 | $ 0 |
| Gwinnett, Georgia | 2 | $ 354,000 | $ 177,000 | $ 136,000 |
| Henry, Georgia | 2 | $ 276,000 | $ 138,000 | $ 27,000 |
| Ascension, Louisiana | 2 | $ 155,000 | $ 77,500 | $ 17,000 |
| Calcasieu, Louisiana | 2 | $ 263,000 | $ 131,500 | $ 42,000 |
| Lincoln, Louisiana | 2 | $ 297,000 | $ 148,500 | $ 57,000 |
| Orleans, Louisiana | 2 | $ 446,000 | $ 223,000 | $ 180,000 |
| Washington, Louisiana | 2 | $ 238,000 | $ 119,000 | $ 62,000 |
| Webster, Louisiana | 2 | $ 137,000 | $ 68,500 | $ 47,000 |
| Bernalillo, New Mexico | 2 | $ 285,000 | $ 142,500 | $ 75,000 |
| Oklahoma, Oklahoma | 2 | $ 131,000 | $ 65,500 | $ 31,000 |
| Montgomery, Tennessee | 2 | $ 75,000 | $ 37,500 | $ 36,000 |
| Bee, Texas | 2 | $ 290,000 | $ 145,000 | $ 78,000 |
| Brazos, Texas | 2 | $ 220,000 | $ 110,000 | $ 112,000 |
| Coleman, Texas | 2 | $ 74,000 | $ 37,000 | $ 36,000 |
| Comal, Texas | 2 | $ 256,000 | $ 128,000 | $ 50,000 |
| Coryell, Texas | 2 | $ 244,000 | $ 122,000 | $ 96,000 |
| El Paso, Texas | 2 | $ 165,000 | $ 82,500 | $ 0 |
| Grayson, Texas | 2 | $ 373,000 | $ 186,500 | $ 133,000 |
| Gregg, Texas | 2 | $ 250,000 | $ 125,000 | $ 42,000 |
| Hood, Texas | 2 | $ 160,000 | $ 80,000 | $ 68,000 |
| Jefferson, Texas | 2 | $ 170,000 | $ 85,000 | $ 60,000 |
| Limestone, Texas | 2 | $ 66,000 | $ 33,000 | $ 30,000 |
| Montgomery, Texas | 2 | $ 166,000 | $ 83,000 | $ 66,000 |
| Nueces, Texas | 2 | $ 139,000 | $ 69,500 | $ 0 |
| Potter, Texas | 2 | $ 172,000 | $ 86,000 | $ 62,000 |
| Smith, Texas | 2 | $ 134,000 | $ 67,000 | $ 52,000 |
| Taylor, Texas | 2 | $ 107,000 | $ 53,500 | $ 77,000 |
| Wichita, Texas | 2 | $ 162,000 | $ 81,000 | $ 51,000 |
| Jefferson, Alabama | 1 | $ 180,000 | $ 180,000 | $ 132,000 |
| Benton, Arkansas | 1 | $ 164,000 | $ 164,000 | $ 68,000 |
| Greene, Arkansas | 1 | $ 40,000 | $ 40,000 | $ 41,000 |
| Jefferson, Arkansas | 1 | $ 99,000 | $ 99,000 | $ 52,000 |
| Miller, Arkansas | 1 | $ 85,000 | $ 85,000 | $ 42,000 |
| Ouachita, Arkansas | 1 | $ 106,000 | $ 106,000 | $ 42,000 |
| Pulaski, Arkansas | 1 | $ 48,000 | $ 48,000 | $ 30,000 |
| Sacramento, California | 1 | $ 256,000 | $ 256,000 | $ 83,000 |
| Adams, Colorado | 1 | $ 172,000 | $ 172,000 | $ 0 |
| Bay, Florida | 1 | $ 192,000 | $ 192,000 | $ 61,000 |
| Brevard, Florida | 1 | $ 72,000 | $ 72,000 | $ 66,000 |
| Escambia, Florida | 1 | $ 81,000 | $ 81,000 | $ 0 |
| Hendry, Florida | 1 | $ 120,000 | $ 120,000 | $ 50,000 |
| Hernando, Florida | 1 | $ 100,000 | $ 100,000 | $ 38,000 |
| Orange, Florida | 1 | $ 146,000 | $ 146,000 | $ 57,000 |
| Volusia, Florida | 1 | $ 224,000 | $ 224,000 | $ 0 |
| Barrow, Georgia | 1 | $ 127,000 | $ 127,000 | $ 0 |
| Camden, Georgia | 1 | $ 133,000 | $ 133,000 | $ 47,000 |
| Chatham, Georgia | 1 | $ 270,000 | $ 270,000 | $ 0 |
| Colquitt, Georgia | 1 | $ 135,000 | $ 135,000 | $ 38,000 |
| Dawson, Georgia | 1 | $ 89,000 | $ 89,000 | $ 54,000 |
| Douglas, Georgia | 1 | $ 157,000 | $ 157,000 | $ 0 |
| Fayette, Georgia | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Forsyth, Georgia | 1 | $ 243,000 | $ 243,000 | $ 204,000 |
| Hall, Georgia | 1 | $ 121,000 | $ 121,000 | $ 42,000 |
| Lamar, Georgia | 1 | $ 113,000 | $ 113,000 | $ 42,000 |
| Laurens, Georgia | 1 | $ 58,000 | $ 58,000 | $ 54,000 |
| Liberty, Georgia | 1 | $ 107,000 | $ 107,000 | $ 43,000 |
| Muscogee, Georgia | 1 | $ 134,000 | $ 134,000 | $ 77,000 |
| Newton, Georgia | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Rockdale, Georgia | 1 | $ 144,000 | $ 144,000 | $ 0 |
| Walton, Georgia | 1 | $ 100,000 | $ 100,000 | $ 118,000 |
| Douglas, Kansas | 1 | $ 83,000 | $ 83,000 | $ 30,000 |
| Johnson, Kansas | 1 | $ 170,000 | $ 170,000 | $ 150,000 |
| Natchitoches, Louisiana | 1 | $ 84,000 | $ 84,000 | $ 45,000 |
| Richland, Louisiana | 1 | $ 50,000 | $ 50,000 | $ 63,000 |
| St. Tammany, Louisiana | 1 | $ 86,000 | $ 86,000 | $ 30,000 |
| Tangipahoa, Louisiana | 1 | $ 113,000 | $ 113,000 | $ 43,000 |
| Attala, Mississippi | 1 | $ 63,000 | $ 63,000 | $ 65,000 |
| DeSoto, Mississippi | 1 | $ 207,000 | $ 207,000 | $ 0 |
| Jones, Mississippi | 1 | $ 90,000 | $ 90,000 | $ 84,000 |
| Lamar, Mississippi | 1 | $ 65,000 | $ 65,000 | $ 52,000 |
| Stone, Mississippi | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Washington, Mississippi | 1 | $ 96,000 | $ 96,000 | $ 35,000 |
| Jackson, Missouri | 1 | $ 106,000 | $ 106,000 | $ 80,000 |
| Warren, Missouri | 1 | $ 84,000 | $ 84,000 | $ 0 |
| Washington, Missouri | 1 | $ 98,000 | $ 98,000 | $ 59,000 |
| Ravalli, Montana | 1 | $ 240,000 | $ 240,000 | $ 86,000 |
| Otero, New Mexico | 1 | $ 217,000 | $ 217,000 | $ 46,000 |
| Garvin, Oklahoma | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Le Flore, Oklahoma | 1 | $ 109,000 | $ 109,000 | $ 45,000 |
| McClain, Oklahoma | 1 | $ 112,000 | $ 112,000 | $ 37,000 |
| McCurtain, Oklahoma | 1 | $ 87,000 | $ 87,000 | $ 31,000 |
| Tulsa, Oklahoma | 1 | $ 109,000 | $ 109,000 | $ 61,000 |
| Blount, Tennessee | 1 | $ 103,000 | $ 103,000 | $ 78,000 |
| Davidson, Tennessee | 1 | $ 105,000 | $ 105,000 | $ 516,000 |
| Hamilton, Tennessee | 1 | $ 128,000 | $ 128,000 | $ 63,000 |
| Marion, Tennessee | 1 | $ 179,000 | $ 179,000 | $ 0 |
| Sevier, Tennessee | 1 | $ 170,000 | $ 170,000 | $ 37,000 |
| Brazoria, Texas | 1 | $ 415,000 | $ 415,000 | $ 137,000 |
| Cass, Texas | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Franklin, Texas | 1 | $ 95,000 | $ 95,000 | $ 18,000 |
| Freestone, Texas | 1 | $ 173,000 | $ 173,000 | $ 0 |
| Guadalupe, Texas | 1 | $ 89,000 | $ 89,000 | $ 42,000 |
| Harrison, Texas | 1 | $ 42,000 | $ 42,000 | $ 250,000 |
| Hays, Texas | 1 | $ 76,000 | $ 76,000 | $ 60,000 |
| Henderson, Texas | 1 | $ 90,000 | $ 90,000 | $ 246,000 |
| Hopkins, Texas | 1 | $ 129,000 | $ 129,000 | $ 0 |
| Kendall, Texas | 1 | $ 258,000 | $ 258,000 | $ 0 |
| Lamar, Texas | 1 | $ 68,000 | $ 68,000 | $ 23,000 |
| Montague, Texas | 1 | $ 72,000 | $ 72,000 | $ 72,000 |
| Navarro, Texas | 1 | $ 95,000 | $ 95,000 | $ 28,000 |
| Orange, Texas | 1 | $ 121,000 | $ 121,000 | $ 30,000 |
| Robertson, Texas | 1 | $ 96,000 | $ 96,000 | $ 0 |
| San Jacinto, Texas | 1 | $ 70,000 | $ 70,000 | $ 47,000 |
| Van Zandt, Texas | 1 | $ 85,000 | $ 85,000 | $ 31,000 |
| Victoria, Texas | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Walker, Texas | 1 | $ 110,000 | $ 110,000 | $ 93,000 |
| Wise, Texas | 1 | $ 78,000 | $ 78,000 | $ 54,000 |
| Wood, Texas | 1 | $ 120,000 | $ 120,000 | $ 38,000 |
| Sevier, Utah | 1 | $ 165,000 | $ 165,000 | $ 50,000 |
| Sweetwater, Wyoming | 1 | $ 180,000 | $ 180,000 | $ 79,000 |
Mortgage Loan Application Detail Totals for Ark-La-Tex Financial Services in 2004
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 | 672 | $137,316,000 | $144,750 | $60,000,000 | $65,812 | $540,000 |
| Refinancing | 467 | $63,759,000 | $146,375 | $2,000,000 | $67,312 | $540,000 |
| 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 | 493 | $62,562,000 | $143,066 | $1,500,000 | $62,600 | $536,000 |
| Not Provided | 443 | $56,314,000 | $138,769 | $2,000,000 | $86,153 | $540,000 |
| Hispanic | 98 | $10,591,000 | $114,000 | $582,000 | $64,285 | $222,000 |
| Black or African American | 78 | $68,679,000 | $321,250 | $60,000,000 | $77,750 | $246,000 |
| Asian | 25 | $2,765,000 | $125,750 | $458,000 | $66,500 | $182,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $89,000 | $89,000 | $89,000 | $54,000 | $54,000 |
| Not applicable | 1 | $75,000 | $75,000 | $75,000 | $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) | 687 | $93,608,000 | $149,937 | $2,000,000 | $77,750 | $540,000 |
| FHA-insured (Federal Housing Administration) | 371 | $97,171,000 | $134,200 | $60,000,000 | $26,300 | $352,000 |
| VA-guaranteed (Veterans Administration) | 81 | $10,296,000 | $151,090 | $256,000 | $35,181 | $87,000 |
| 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 | 814 | $104,016,000 | $156,933 | $1,500,000 | $72,000 | $540,000 |
| Application Denied By Financial Institution | 119 | $72,773,000 | $175,000 | $60,000,000 | $67,500 | $516,000 |
| Application Approved But Not Accepted | 81 | $8,109,000 | $123,875 | $270,000 | $64,750 | $246,000 |
| Application Withdrawn By Applicant | 75 | $9,170,000 | $122,375 | $2,000,000 | $28,250 | $540,000 |
| File Closed For Incompleteness | 50 | $7,007,000 | $138,333 | $548,000 | $27,500 | $222,000 |
| 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 | 22 | $62,713,000 | $1,178,000 | $60,000,000 | $54,000 | $270,000 |
| Debt-To-Income Ratio | 7 | $841,000 | $120,000 | $167,000 | $66,000 | $154,000 |
| Employment History | 6 | $516,000 | $73,500 | $118,000 | $33,500 | $60,000 |
| Collateral | 5 | $662,000 | $107,000 | $316,000 | $54,500 | $224,000 |
| Other | 5 | $344,000 | $65,333 | $110,000 | $47,000 | $203,000 |
| Unverifiable Information | 3 | $287,000 | $95,000 | $125,000 | $20,000 | $31,000 |
| 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 Ark-La-Tex Financial Services's 2004 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 Ark-La-Tex Financial Services'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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