Ark-La-Tex Financial Services
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Ark-La-Tex Financial Services 2004 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | $145,562 |
| Highest Mortgage Loan Application Amount | $60,000,000 |
| Average Applicant Income | $66,562 |
| Highest Applicant Income | $540,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Ark-La-Tex Financial Services. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Ark-La-Tex Financial Services's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Ark-La-Tex Financial Services's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Ark-La-Tex Financial Services serves its applicants.
Each category highlights the total number of mortgage applications processed by Ark-La-Tex Financial Services, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Ark-La-Tex Financial Services's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Dallas County Texas | 263 | $ 91,288,000 | $ 347,000 | $ 46,000 |
| Tarrant County Texas | 132 | $ 15,734,000 | $ 119,000 | $ 51,000 |
| Collin County Texas | 93 | $ 14,938,000 | $ 160,000 | $ 79,000 |
| Denton County Texas | 62 | $ 9,427,000 | $ 152,000 | $ 60,000 |
| Caddo County Louisiana | 45 | $ 4,777,000 | $ 106,000 | $ 62,000 |
| Bossier County Louisiana | 42 | $ 4,061,000 | $ 96,000 | $ 55,000 |
| Bexar County Texas | 29 | $ 2,540,000 | $ 87,000 | $ 54,000 |
| McLennan County Texas | 27 | $ 2,254,000 | $ 83,000 | $ 44,000 |
| Ellis County Texas | 25 | $ 2,847,000 | $ 113,000 | $ 65,000 |
| Harris County Texas | 23 | $ 3,260,000 | $ 141,000 | $ 61,000 |
| Travis County Texas | 17 | $ 4,108,000 | $ 241,000 | $ 117,000 |
| Ouachita County Louisiana | 13 | $ 1,217,000 | $ 93,000 | $ 55,000 |
| Harrison County Mississippi | 13 | $ 1,251,000 | $ 96,000 | $ 48,000 |
| East Baton Rouge County Louisiana | 11 | $ 1,099,000 | $ 99,000 | $ 42,000 |
| DeKalb County Georgia | 10 | $ 1,125,000 | $ 112,000 | $ 34,000 |
| Fulton County Georgia | 9 | $ 1,823,000 | $ 202,000 | $ 133,000 |
| Jackson County Mississippi | 9 | $ 549,000 | $ 61,000 | $ 35,000 |
| Cameron County Texas | 9 | $ 786,000 | $ 87,000 | $ 46,000 |
| Hunt County Texas | 9 | $ 635,000 | $ 70,000 | $ 41,000 |
| Salt Lake County Utah | 8 | $ 1,361,000 | $ 170,000 | $ 50,000 |
| Fort Bend County Texas | 7 | $ 657,000 | $ 93,000 | $ 53,000 |
| Hidalgo County Texas | 7 | $ 630,000 | $ 90,000 | $ 55,000 |
| Cobb County Georgia | 6 | $ 794,000 | $ 132,000 | $ 41,000 |
| Johnson County Texas | 6 | $ 1,055,000 | $ 175,000 | $ 17,000 |
| Williamson County Texas | 6 | $ 555,000 | $ 92,000 | $ 35,000 |
| Lee County Florida | 5 | $ 2,194,000 | $ 438,000 | $ 135,000 |
| Paulding County Georgia | 5 | $ 637,000 | $ 127,000 | $ 59,000 |
| Hancock County Mississippi | 5 | $ 503,000 | $ 100,000 | $ 43,000 |
| Kaufman County Texas | 5 | $ 576,000 | $ 115,000 | $ 49,000 |
| Rockwall County Texas | 5 | $ 594,000 | $ 118,000 | $ 82,000 |
| El Paso County Colorado | 4 | $ 1,168,000 | $ 292,000 | $ 199,000 |
| Jefferson County Louisiana | 4 | $ 451,000 | $ 112,000 | $ 16,000 |
| Lafayette County Louisiana | 4 | $ 497,000 | $ 124,000 | $ 47,000 |
| Lubbock County Texas | 4 | $ 522,000 | $ 130,000 | $ 55,000 |
| Parker County Texas | 4 | $ 261,000 | $ 65,000 | $ 148,000 |
| Duval County Florida | 3 | $ 422,000 | $ 140,000 | $ 60,000 |
| Polk County Florida | 3 | $ 282,000 | $ 94,000 | $ 41,000 |
| St. Charles County Missouri | 3 | $ 762,000 | $ 254,000 | $ 100,000 |
| Bell County Texas | 3 | $ 481,000 | $ 160,000 | $ 66,000 |
| Ector County Texas | 3 | $ 217,000 | $ 72,000 | $ 47,000 |
| Midland County Texas | 3 | $ 220,000 | $ 73,000 | $ 38,000 |
| Morgan County Alabama | 2 | $ 254,000 | $ 127,000 | $ 49,000 |
| Washington County Arkansas | 2 | $ 390,000 | $ 195,000 | $ 47,000 |
| Jefferson County Colorado | 2 | $ 183,000 | $ 91,000 | $ 47,000 |
| Broward County Florida | 2 | $ 337,000 | $ 168,000 | $ 43,000 |
| Miami-Dade County Florida | 2 | $ 282,000 | $ 141,000 | $ 29,000 |
| Pinellas County Florida | 2 | $ 166,000 | $ 83,000 | $ 46,000 |
| St. Lucie County Florida | 2 | $ 275,000 | $ 137,000 | $ 32,000 |
| Bibb County Georgia | 2 | $ 240,000 | $ 120,000 | $ 11,000 |
| Carroll County Georgia | 2 | $ 260,000 | $ 130,000 | $ 24,000 |
| Clayton County Georgia | 2 | $ 202,000 | $ 101,000 | $ 0 |
| Gwinnett County Georgia | 2 | $ 354,000 | $ 177,000 | $ 136,000 |
| Henry County Georgia | 2 | $ 276,000 | $ 138,000 | $ 27,000 |
| Ascension County Louisiana | 2 | $ 155,000 | $ 77,000 | $ 17,000 |
| Calcasieu County Louisiana | 2 | $ 263,000 | $ 131,000 | $ 42,000 |
| Lincoln County Louisiana | 2 | $ 297,000 | $ 148,000 | $ 57,000 |
| Orleans County Louisiana | 2 | $ 446,000 | $ 223,000 | $ 180,000 |
| Washington County Louisiana | 2 | $ 238,000 | $ 119,000 | $ 62,000 |
| Webster County Louisiana | 2 | $ 137,000 | $ 68,000 | $ 47,000 |
| Bernalillo County New Mexico | 2 | $ 285,000 | $ 142,000 | $ 75,000 |
| Oklahoma County Oklahoma | 2 | $ 131,000 | $ 65,000 | $ 31,000 |
| Montgomery County Tennessee | 2 | $ 75,000 | $ 37,000 | $ 36,000 |
| Bee County Texas | 2 | $ 290,000 | $ 145,000 | $ 78,000 |
| Brazos County Texas | 2 | $ 220,000 | $ 110,000 | $ 112,000 |
| Coleman County Texas | 2 | $ 74,000 | $ 37,000 | $ 36,000 |
| Comal County Texas | 2 | $ 256,000 | $ 128,000 | $ 50,000 |
| Coryell County Texas | 2 | $ 244,000 | $ 122,000 | $ 96,000 |
| El Paso County Texas | 2 | $ 165,000 | $ 82,000 | $ 0 |
| Grayson County Texas | 2 | $ 373,000 | $ 186,000 | $ 133,000 |
| Gregg County Texas | 2 | $ 250,000 | $ 125,000 | $ 42,000 |
| Hood County Texas | 2 | $ 160,000 | $ 80,000 | $ 68,000 |
| Jefferson County Texas | 2 | $ 170,000 | $ 85,000 | $ 60,000 |
| Limestone County Texas | 2 | $ 66,000 | $ 33,000 | $ 30,000 |
| Montgomery County Texas | 2 | $ 166,000 | $ 83,000 | $ 66,000 |
| Nueces County Texas | 2 | $ 139,000 | $ 69,000 | $ 0 |
| Potter County Texas | 2 | $ 172,000 | $ 86,000 | $ 62,000 |
| Smith County Texas | 2 | $ 134,000 | $ 67,000 | $ 52,000 |
| Taylor County Texas | 2 | $ 107,000 | $ 53,000 | $ 77,000 |
| Wichita County Texas | 2 | $ 162,000 | $ 81,000 | $ 51,000 |
| Jefferson County Alabama | 1 | $ 180,000 | $ 180,000 | $ 132,000 |
| Benton County Arkansas | 1 | $ 164,000 | $ 164,000 | $ 68,000 |
| Greene County Arkansas | 1 | $ 40,000 | $ 40,000 | $ 41,000 |
| Jefferson County Arkansas | 1 | $ 99,000 | $ 99,000 | $ 52,000 |
| Miller County Arkansas | 1 | $ 85,000 | $ 85,000 | $ 42,000 |
| Ouachita County Arkansas | 1 | $ 106,000 | $ 106,000 | $ 42,000 |
| Pulaski County Arkansas | 1 | $ 48,000 | $ 48,000 | $ 30,000 |
| Sacramento County California | 1 | $ 256,000 | $ 256,000 | $ 83,000 |
| Adams County Colorado | 1 | $ 172,000 | $ 172,000 | $ 0 |
| Bay County Florida | 1 | $ 192,000 | $ 192,000 | $ 61,000 |
| Brevard County Florida | 1 | $ 72,000 | $ 72,000 | $ 66,000 |
| Escambia County Florida | 1 | $ 81,000 | $ 81,000 | $ 0 |
| Hendry County Florida | 1 | $ 120,000 | $ 120,000 | $ 50,000 |
| Hernando County Florida | 1 | $ 100,000 | $ 100,000 | $ 38,000 |
| Orange County Florida | 1 | $ 146,000 | $ 146,000 | $ 57,000 |
| Volusia County Florida | 1 | $ 224,000 | $ 224,000 | $ 0 |
| Barrow County Georgia | 1 | $ 127,000 | $ 127,000 | $ 0 |
| Camden County Georgia | 1 | $ 133,000 | $ 133,000 | $ 47,000 |
| Chatham County Georgia | 1 | $ 270,000 | $ 270,000 | $ 0 |
| Colquitt County Georgia | 1 | $ 135,000 | $ 135,000 | $ 38,000 |
| Dawson County Georgia | 1 | $ 89,000 | $ 89,000 | $ 54,000 |
| Douglas County Georgia | 1 | $ 157,000 | $ 157,000 | $ 0 |
| Fayette County Georgia | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Forsyth County Georgia | 1 | $ 243,000 | $ 243,000 | $ 204,000 |
| Hall County Georgia | 1 | $ 121,000 | $ 121,000 | $ 42,000 |
| Lamar County Georgia | 1 | $ 113,000 | $ 113,000 | $ 42,000 |
| Laurens County Georgia | 1 | $ 58,000 | $ 58,000 | $ 54,000 |
| Liberty County Georgia | 1 | $ 107,000 | $ 107,000 | $ 43,000 |
| Muscogee County Georgia | 1 | $ 134,000 | $ 134,000 | $ 77,000 |
| Newton County Georgia | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Rockdale County Georgia | 1 | $ 144,000 | $ 144,000 | $ 0 |
| Walton County Georgia | 1 | $ 100,000 | $ 100,000 | $ 118,000 |
| Douglas County Kansas | 1 | $ 83,000 | $ 83,000 | $ 30,000 |
| Johnson County Kansas | 1 | $ 170,000 | $ 170,000 | $ 150,000 |
| Natchitoches County Louisiana | 1 | $ 84,000 | $ 84,000 | $ 45,000 |
| Richland County Louisiana | 1 | $ 50,000 | $ 50,000 | $ 63,000 |
| St. Tammany County Louisiana | 1 | $ 86,000 | $ 86,000 | $ 30,000 |
| Tangipahoa County Louisiana | 1 | $ 113,000 | $ 113,000 | $ 43,000 |
| Attala County Mississippi | 1 | $ 63,000 | $ 63,000 | $ 65,000 |
| DeSoto County Mississippi | 1 | $ 207,000 | $ 207,000 | $ 0 |
| Jones County Mississippi | 1 | $ 90,000 | $ 90,000 | $ 84,000 |
| Lamar County Mississippi | 1 | $ 65,000 | $ 65,000 | $ 52,000 |
| Stone County Mississippi | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Washington County Mississippi | 1 | $ 96,000 | $ 96,000 | $ 35,000 |
| Jackson County Missouri | 1 | $ 106,000 | $ 106,000 | $ 80,000 |
| Warren County Missouri | 1 | $ 84,000 | $ 84,000 | $ 0 |
| Washington County Missouri | 1 | $ 98,000 | $ 98,000 | $ 59,000 |
| Ravalli County Montana | 1 | $ 240,000 | $ 240,000 | $ 86,000 |
| Otero County New Mexico | 1 | $ 217,000 | $ 217,000 | $ 46,000 |
| Garvin County Oklahoma | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Le Flore County Oklahoma | 1 | $ 109,000 | $ 109,000 | $ 45,000 |
| McClain County Oklahoma | 1 | $ 112,000 | $ 112,000 | $ 37,000 |
| McCurtain County Oklahoma | 1 | $ 87,000 | $ 87,000 | $ 31,000 |
| Tulsa County Oklahoma | 1 | $ 109,000 | $ 109,000 | $ 61,000 |
| Blount County Tennessee | 1 | $ 103,000 | $ 103,000 | $ 78,000 |
| Davidson County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 516,000 |
| Hamilton County Tennessee | 1 | $ 128,000 | $ 128,000 | $ 63,000 |
| Marion County Tennessee | 1 | $ 179,000 | $ 179,000 | $ 0 |
| Sevier County Tennessee | 1 | $ 170,000 | $ 170,000 | $ 37,000 |
| Brazoria County Texas | 1 | $ 415,000 | $ 415,000 | $ 137,000 |
| Cass County Texas | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Franklin County Texas | 1 | $ 95,000 | $ 95,000 | $ 18,000 |
| Freestone County Texas | 1 | $ 173,000 | $ 173,000 | $ 0 |
| Guadalupe County Texas | 1 | $ 89,000 | $ 89,000 | $ 42,000 |
| Harrison County Texas | 1 | $ 42,000 | $ 42,000 | $ 250,000 |
| Hays County Texas | 1 | $ 76,000 | $ 76,000 | $ 60,000 |
| Henderson County Texas | 1 | $ 90,000 | $ 90,000 | $ 246,000 |
| Hopkins County Texas | 1 | $ 129,000 | $ 129,000 | $ 0 |
| Kendall County Texas | 1 | $ 258,000 | $ 258,000 | $ 0 |
| Lamar County Texas | 1 | $ 68,000 | $ 68,000 | $ 23,000 |
| Montague County Texas | 1 | $ 72,000 | $ 72,000 | $ 72,000 |
| Navarro County Texas | 1 | $ 95,000 | $ 95,000 | $ 28,000 |
| Orange County Texas | 1 | $ 121,000 | $ 121,000 | $ 30,000 |
| Robertson County Texas | 1 | $ 96,000 | $ 96,000 | $ 0 |
| San Jacinto County Texas | 1 | $ 70,000 | $ 70,000 | $ 47,000 |
| Van Zandt County Texas | 1 | $ 85,000 | $ 85,000 | $ 31,000 |
| Victoria County Texas | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Walker County Texas | 1 | $ 110,000 | $ 110,000 | $ 93,000 |
| Wise County Texas | 1 | $ 78,000 | $ 78,000 | $ 54,000 |
| Wood County Texas | 1 | $ 120,000 | $ 120,000 | $ 38,000 |
| Sevier County Utah | 1 | $ 165,000 | $ 165,000 | $ 50,000 |
| Sweetwater County 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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