Ark-La-Tex Financial Services Mortgage Lending & HMDA Data, 2010
In 2010, Ark-La-Tex Financial Services of Plano, TX reported 8,161 mortgage applications totaling $1.5 billion, up 32% from 2009. The average application was for $184,615, and applicants reported an average income of $74,942. 44% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Lexington-Fayette, KY (899), Spartanburg, SC (848) and Colorado Springs, CO (520) (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 | 8,161 |
| Total Mortgage Loan Application Amount | $1,506,647,000 |
| Average Mortgage Loan Application Amount | $184,615 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $74,942 |
| Highest Applicant Income | $1,800,000 |
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records Ark-La-Tex Financial Services filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lexington-Fayette, KY | 899 | $ 139,761,000 | $ 155,462 | $ 66,000 |
| Spartanburg, SC | 848 | $ 102,784,000 | $ 121,207 | $ 42,000 |
| Colorado Springs, CO | 520 | $ 94,585,000 | $ 181,894 | $ 62,000 |
| Greenville-Mauldin-Easley, SC | 506 | $ 70,391,000 | $ 139,112 | $ 53,000 |
| Dallas-Plano-Irving, TX | 502 | $ 108,301,000 | $ 215,739 | $ 115,000 |
| Charleston-North Charleston-Summerville, SC | 460 | $ 84,573,000 | $ 183,854 | $ 72,000 |
| Fort Worth-Arlington, TX | 288 | $ 53,176,000 | $ 184,638 | $ 94,000 |
| San Diego-Carlsbad-San Marcos, CA | 258 | $ 94,829,000 | $ 367,554 | $ 103,000 |
| Greensboro-High Point, NC | 163 | $ 26,966,000 | $ 165,435 | $ 68,000 |
| Louisville-Jefferson County, KY-IN | 125 | $ 22,020,000 | $ 176,160 | $ 72,712 |
| McAllen-Edinburg-Mission, TX | 109 | $ 14,071,000 | $ 129,091 | $ 65,000 |
| Tacoma, WA | 107 | $ 23,794,000 | $ 222,373 | $ 75,000 |
| Austin-Round Rock-San Marcos, TX | 106 | $ 17,182,000 | $ 162,094 | $ 88,000 |
| Houston-Sugar Land-Baytown, TX | 98 | $ 18,448,000 | $ 188,244 | $ 105,000 |
| Los Angeles-Long Beach-Glendale, CA | 91 | $ 33,605,000 | $ 369,285 | $ 141,000 |
| Hartford-West Hartford-East Hartford, CT | 82 | $ 17,128,000 | $ 208,878 | $ 69,000 |
| Phoenix-Mesa-Glendale, AZ | 75 | $ 12,427,000 | $ 165,693 | $ 90,000 |
| St. Louis, MO-IL | 66 | $ 8,252,000 | $ 125,030 | $ 64,000 |
| Santa Rosa-Petaluma, CA | 62 | $ 20,638,000 | $ 332,870 | $ 117,000 |
| Elizabethtown, KY | 60 | $ 8,052,000 | $ 134,200 | $ 54,000 |
| Anderson, SC | 59 | $ 9,864,000 | $ 167,186 | $ 62,000 |
| Burlington-South Burlington, VT | 59 | $ 11,149,000 | $ 188,966 | $ 60,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 56 | $ 17,158,000 | $ 306,392 | $ 167,000 |
| Denver-Aurora-Broomfield, CO | 51 | $ 10,721,000 | $ 210,215 | $ 88,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 50 | $ 7,856,000 | $ 157,120 | $ 55,640 |
| Nassau-Suffolk, NY | 50 | $ 16,697,000 | $ 333,940 | $ 127,000 |
| San Antonio-New Braunfels, TX | 45 | $ 7,038,000 | $ 156,400 | $ 79,000 |
| Seattle-Bellevue-Everett, WA | 43 | $ 11,982,000 | $ 278,651 | $ 108,000 |
| Vallejo-Fairfield, CA | 42 | $ 11,043,000 | $ 262,928 | $ 89,000 |
| Rockingham County-Strafford County, NH | 41 | $ 10,018,000 | $ 244,341 | $ 114,000 |
| Baltimore-Towson, MD | 40 | $ 8,972,000 | $ 224,300 | $ 83,000 |
| Napa, CA | 40 | $ 11,992,000 | $ 299,800 | $ 114,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 39 | $ 7,531,000 | $ 193,102 | $ 73,000 |
| Cape Coral-Fort Myers, FL | 37 | $ 4,084,000 | $ 110,378 | $ 68,000 |
| Manchester-Nashua, NH | 36 | $ 8,238,000 | $ 228,833 | $ 159,000 |
| Santa Ana-Anaheim-Irvine, CA | 32 | $ 14,833,000 | $ 463,531 | $ 140,000 |
| Visalia-Porterville, CA | 32 | $ 5,299,000 | $ 165,593 | $ 91,000 |
| New Haven-Milford, CT | 30 | $ 5,796,000 | $ 193,200 | $ 66,000 |
| Knoxville, TN | 29 | $ 4,093,000 | $ 141,137 | $ 60,000 |
| San Francisco-San Mateo-Redwood City, CA | 29 | $ 14,429,000 | $ 497,551 | $ 171,000 |
| New York-White Plains-Wayne, NY-NJ | 27 | $ 8,297,000 | $ 307,296 | $ 104,851 |
| Cambridge-Newton-Framingham, MA | 25 | $ 5,726,000 | $ 229,040 | $ 137,000 |
| North Port-Bradenton-Sarasota, FL | 24 | $ 2,866,000 | $ 119,416 | $ 60,000 |
| Oakland-Fremont-Hayward, CA | 24 | $ 8,868,000 | $ 369,500 | $ 139,000 |
| Punta Gorda, FL | 24 | $ 3,414,000 | $ 142,250 | $ 72,000 |
| Newark-Union, NJ-PA | 21 | $ 7,599,000 | $ 361,857 | $ 117,000 |
| Riverside-San Bernardino-Ontario, CA | 21 | $ 5,025,000 | $ 239,285 | $ 75,000 |
| Brownsville-Harlingen, TX | 20 | $ 2,440,000 | $ 122,000 | $ 68,000 |
| Cleveland-Elyria-Mentor, OH | 20 | $ 3,373,000 | $ 168,650 | $ 53,000 |
| Edison-New Brunswick, NJ | 20 | $ 5,418,000 | $ 270,900 | $ 73,000 |
| Peabody, MA | 19 | $ 5,802,000 | $ 305,368 | $ 125,000 |
| Worcester, MA | 19 | $ 3,732,000 | $ 196,421 | $ 65,000 |
| Fresno, CA | 18 | $ 3,918,000 | $ 217,666 | $ 109,000 |
| Olympia, WA | 18 | $ 3,921,000 | $ 217,833 | $ 67,000 |
| Baton Rouge, LA | 17 | $ 2,752,000 | $ 161,882 | $ 63,000 |
| Sumter, SC | 17 | $ 2,613,000 | $ 153,705 | $ 65,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 17 | $ 3,564,000 | $ 209,647 | $ 77,000 |
| Tampa-St. Petersburg-Clearwater, FL | 16 | $ 3,554,000 | $ 222,125 | $ 69,000 |
| Winston-Salem, NC | 16 | $ 2,396,000 | $ 149,750 | $ 59,000 |
| Bridgeport-Stamford-Norwalk, CT | 15 | $ 3,311,000 | $ 220,733 | $ 80,000 |
| Orlando-Kissimmee-Sanford, FL | 15 | $ 2,432,000 | $ 162,133 | $ 84,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 15 | $ 2,970,000 | $ 198,000 | $ 74,200 |
| Akron, OH | 14 | $ 2,585,000 | $ 184,642 | $ 56,000 |
| Albuquerque, NM | 13 | $ 2,506,000 | $ 192,769 | $ 59,000 |
| Boston-Quincy, MA | 13 | $ 4,132,000 | $ 317,846 | $ 107,000 |
| Columbia, SC | 13 | $ 2,712,000 | $ 208,615 | $ 77,000 |
| Raleigh-Cary, NC | 13 | $ 3,039,000 | $ 233,769 | $ 72,000 |
| Springfield, MA | 13 | $ 1,729,000 | $ 133,000 | $ 56,000 |
| Youngstown-Warren-Boardman, OH-PA | 13 | $ 1,994,000 | $ 153,384 | $ 48,000 |
| Killeen-Temple-Fort Hood, TX | 12 | $ 1,918,000 | $ 159,833 | $ 64,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 12 | $ 2,771,000 | $ 230,916 | $ 92,000 |
| Providence-New Bedford-Fall River, RI-MA | 12 | $ 3,072,000 | $ 256,000 | $ 101,833 |
| Gary, IN | 11 | $ 1,702,000 | $ 154,727 | $ 62,000 |
| Memphis, TN-MS-AR | 11 | $ 2,438,000 | $ 221,636 | $ 105,454 |
| Chicago-Joliet-Naperville, IL | 10 | $ 1,818,000 | $ 181,800 | $ 72,000 |
| Jacksonville, FL | 10 | $ 2,070,000 | $ 207,000 | $ 84,000 |
| Miami-Miami Beach-Kendall, FL | 10 | $ 1,611,000 | $ 161,100 | $ 70,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 10 | $ 4,354,000 | $ 435,400 | $ 228,000 |
| Cincinnati-Middletown, OH-KY-IN | 9 | $ 1,518,000 | $ 168,666 | $ 79,666 |
| Norwich-New London, CT | 9 | $ 2,017,000 | $ 224,111 | $ 80,000 |
| Birmingham-Hoover, AL | 7 | $ 1,457,000 | $ 208,142 | $ 57,000 |
| Huntington-Ashland, WV-KY-OH | 7 | $ 783,000 | $ 111,857 | $ 83,000 |
| Philadelphia, PA | 7 | $ 1,036,000 | $ 148,000 | $ 98,000 |
| Pueblo, CO | 7 | $ 967,000 | $ 138,142 | $ 70,000 |
| Columbus, OH | 6 | $ 938,000 | $ 156,333 | $ 43,000 |
| Huntsville, AL | 6 | $ 1,502,000 | $ 250,333 | $ 47,000 |
| Palm Bay-Melbourne-Titusville, FL | 6 | $ 917,000 | $ 152,833 | $ 58,000 |
| Tallahassee, FL | 6 | $ 1,140,000 | $ 190,000 | $ 48,000 |
| Warren-Troy-Farmington Hills, MI | 6 | $ 625,000 | $ 104,166 | $ 47,000 |
| Kennewick-Pasco-Richland, WA | 5 | $ 723,000 | $ 144,600 | $ 63,000 |
| Longview, TX | 5 | $ 817,000 | $ 163,400 | $ 66,000 |
| Morristown, TN | 5 | $ 648,000 | $ 129,600 | $ 47,000 |
| Pittsburgh, PA | 5 | $ 870,000 | $ 174,000 | $ 90,000 |
| Reno-Sparks, NV | 5 | $ 1,178,000 | $ 235,600 | $ 75,000 |
| Boulder, CO | 4 | $ 1,026,000 | $ 256,500 | $ 90,000 |
| Clarksville, TN-KY | 4 | $ 566,000 | $ 141,500 | $ 22,000 |
| El Paso, TX | 4 | $ 522,000 | $ 130,500 | $ 63,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 4 | $ 2,096,000 | $ 524,000 | $ 144,000 |
| Port St. Lucie, FL | 4 | $ 748,000 | $ 187,000 | $ 66,000 |
| San Luis Obispo-Paso Robles, CA | 4 | $ 1,509,000 | $ 377,250 | $ 81,000 |
| Sherman-Denison, TX | 4 | $ 582,000 | $ 145,500 | $ 41,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 4 | $ 1,764,000 | $ 441,000 | $ 86,000 |
| Abilene, TX | 3 | $ 527,000 | $ 175,666 | $ 32,000 |
| Albany-Schenectady-Troy, NY | 3 | $ 581,000 | $ 193,666 | $ 34,000 |
| Asheville, NC | 3 | $ 389,000 | $ 129,666 | $ 120,000 |
| Beaumont-Port Arthur, TX | 3 | $ 511,000 | $ 170,333 | $ 79,000 |
| Bethesda-Rockville-Frederick, MD | 3 | $ 827,000 | $ 275,666 | $ 114,000 |
| Fort Collins-Loveland, CO | 3 | $ 493,000 | $ 164,333 | $ 38,000 |
| Grand Junction, CO | 3 | $ 806,000 | $ 268,666 | $ 117,000 |
| Gulfport-Biloxi, MS | 3 | $ 407,000 | $ 135,666 | $ 81,000 |
| Las Vegas-Paradise, NV | 3 | $ 454,000 | $ 151,333 | $ 49,000 |
| Madera-Chowchilla, CA | 3 | $ 377,000 | $ 125,666 | $ 59,000 |
| Spokane, WA | 3 | $ 557,000 | $ 185,666 | $ 45,000 |
| Toledo, OH | 3 | $ 335,000 | $ 111,666 | $ 42,000 |
| Trenton-Ewing, NJ | 3 | $ 882,000 | $ 294,000 | $ 94,000 |
| Tyler, TX | 3 | $ 422,000 | $ 140,666 | $ 54,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 355,000 | $ 177,500 | $ 119,000 |
| Amarillo, TX | 2 | $ 251,000 | $ 125,500 | $ 46,000 |
| Auburn-Opelika, AL | 2 | $ 252,000 | $ 126,000 | $ 40,000 |
| Bowling Green, KY | 2 | $ 379,000 | $ 189,500 | $ 90,000 |
| Bremerton-Silverdale, WA | 2 | $ 301,000 | $ 150,500 | $ 44,000 |
| Burlington, NC | 2 | $ 440,000 | $ 220,000 | $ 92,000 |
| Camden, NJ | 2 | $ 255,000 | $ 127,500 | $ 39,000 |
| Chattanooga, TN-GA | 2 | $ 215,000 | $ 107,500 | $ 31,000 |
| College Station-Bryan, TX | 2 | $ 192,000 | $ 96,000 | $ 174,000 |
| Columbus, GA-AL | 2 | $ 473,000 | $ 236,500 | $ 88,000 |
| Corpus Christi, TX | 2 | $ 339,000 | $ 169,500 | $ 69,000 |
| Dayton, OH | 2 | $ 309,000 | $ 154,500 | $ 81,000 |
| Fayetteville, NC | 2 | $ 254,000 | $ 127,000 | $ 15,000 |
| Flint, MI | 2 | $ 329,000 | $ 164,500 | $ 71,000 |
| Florence, SC | 2 | $ 311,000 | $ 155,500 | $ 60,000 |
| Fort Wayne, IN | 2 | $ 414,000 | $ 207,000 | $ 118,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 268,000 | $ 134,000 | $ 39,000 |
| Indianapolis-Carmel, IN | 2 | $ 344,000 | $ 172,000 | $ 118,000 |
| Kansas City, MO-KS | 2 | $ 294,000 | $ 147,000 | $ 54,000 |
| Mobile, AL | 2 | $ 350,000 | $ 175,000 | $ 45,000 |
| New Orleans-Metairie-Kenner, LA | 2 | $ 601,000 | $ 300,500 | $ 107,000 |
| Ocala, FL | 2 | $ 330,000 | $ 165,000 | $ 34,000 |
| Oklahoma City, OK | 2 | $ 505,000 | $ 252,500 | $ 86,000 |
| Owensboro, KY | 2 | $ 430,000 | $ 215,000 | $ 88,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 1,046,000 | $ 523,000 | $ 163,000 |
| Springfield, MO | 2 | $ 287,000 | $ 143,500 | $ 65,000 |
| Tulsa, OK | 2 | $ 302,000 | $ 151,000 | $ 80,000 |
| Waco, TX | 2 | $ 597,000 | $ 298,500 | $ 146,000 |
| Wenatchee-East Wenatchee, WA | 2 | $ 505,000 | $ 252,500 | $ 57,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 150,000 | $ 150,000 | $ 58,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 72,000 | $ 72,000 | $ 18,000 |
| Barnstable Town, MA | 1 | $ 259,000 | $ 259,000 | $ 98,000 |
| Bellingham, WA | 1 | $ 370,000 | $ 370,000 | $ 75,000 |
| Buffalo-Niagara Falls, NY | 1 | $ 81,000 | $ 81,000 | $ 24,000 |
| Charleston, WV | 1 | $ 196,000 | $ 196,000 | $ 133,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 150,000 | $ 150,000 | $ 40,000 |
| Durham-Chapel Hill, NC | 1 | $ 155,000 | $ 155,000 | $ 49,000 |
| El Centro, CA | 1 | $ 46,000 | $ 46,000 | $ 49,000 |
| Evansville, IN-KY | 1 | $ 162,000 | $ 162,000 | $ 43,000 |
| Gainesville, FL | 1 | $ 105,000 | $ 105,000 | $ 108,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 199,000 | $ 199,000 | $ 118,000 |
| Hanford-Corcoran, CA | 1 | $ 154,000 | $ 154,000 | $ 59,000 |
| Harrisburg-Carlisle, PA | 1 | $ 123,000 | $ 123,000 | $ 54,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 100,000 | $ 100,000 | $ 12,000 |
| Houma-Bayou Cane-Thibodaux, LA | 1 | $ 188,000 | $ 188,000 | $ 36,000 |
| Jacksonville, NC | 1 | $ 113,000 | $ 113,000 | $ 99,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 150,000 | $ 150,000 | $ 100,000 |
| Lafayette, LA | 1 | $ 142,000 | $ 142,000 | $ 108,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 371,000 | $ 371,000 | $ 112,000 |
| Manhattan, KS | 1 | $ 183,000 | $ 183,000 | $ 75,000 |
| Merced, CA | 1 | $ 175,000 | $ 175,000 | $ 53,000 |
| Midland, TX | 1 | $ 100,000 | $ 100,000 | $ 88,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 187,000 | $ 187,000 | $ 80,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 226,000 | $ 226,000 | $ 51,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 1 | $ 335,000 | $ 335,000 | $ 81,000 |
| Naples-Marco Island, FL | 1 | $ 193,000 | $ 193,000 | $ 81,000 |
| Palm Coast, FL | 1 | $ 205,000 | $ 205,000 | $ 49,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 1 | $ 235,000 | $ 235,000 | $ 61,000 |
| Pascagoula, MS | 1 | $ 125,000 | $ 125,000 | $ 39,000 |
| Prescott, AZ | 1 | $ 244,000 | $ 244,000 | $ 0 |
| Reading, PA | 1 | $ 132,000 | $ 132,000 | $ 79,000 |
| Rochester, NY | 1 | $ 163,000 | $ 163,000 | $ 61,000 |
| Rocky Mount, NC | 1 | $ 100,000 | $ 100,000 | $ 72,000 |
| Salinas, CA | 1 | $ 416,000 | $ 416,000 | $ 109,000 |
| San Angelo, TX | 1 | $ 143,000 | $ 143,000 | $ 113,000 |
| Scranton--Wilkes-Barre, PA | 1 | $ 198,000 | $ 198,000 | $ 52,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 100,000 | $ 100,000 | $ 39,000 |
| Texarkana, Tx-Texarkana, AR | 1 | $ 165,000 | $ 165,000 | $ 50,000 |
| Topeka, KS | 1 | $ 133,000 | $ 133,000 | $ 109,000 |
| Yakima, WA | 1 | $ 95,000 | $ 95,000 | $ 24,000 |
Mortgage Loan Application Detail Totals for Ark-La-Tex Financial Services in 2010
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 | 5,227 | $871,488,000 | $166,000 | $1,500,000 | $67,000 | $1,500,000 |
| Refinancing | 2,925 | $633,464,000 | $216,000 | $2,000,000 | $89,000 | $1,800,000 |
| Home Improvement | 9 | $1,695,000 | $188,000 | $417,000 | $119,000 | $648,000 |
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 | 6,813 | $1,264,242,000 | $185,000 | $2,000,000 | $76,000 | $1,800,000 |
| Black or African American | 457 | $66,576,000 | $145,000 | $749,000 | $50,000 | $299,000 |
| Hispanic | 387 | $65,451,000 | $169,000 | $698,000 | $66,000 | $324,000 |
| Not Provided | 291 | $64,964,000 | $223,000 | $1,500,000 | $88,000 | $480,000 |
| Asian | 173 | $36,172,000 | $209,000 | $673,000 | $90,000 | $648,000 |
| Native Hawaiian or Other Pacific Islander | 27 | $6,757,000 | $250,000 | $727,000 | $72,000 | $178,000 |
| American Indian or Alaskan Native | 13 | $2,485,000 | $191,000 | $729,000 | $71,000 | $240,000 |
| 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) | 4,602 | $869,804,000 | $189,000 | $2,000,000 | $86,000 | $1,800,000 |
| FHA-insured (Federal Housing Administration) | 2,515 | $442,821,000 | $176,000 | $746,000 | $63,000 | $1,200,000 |
| VA-guaranteed (Veterans Administration) | 672 | $148,039,000 | $220,000 | $965,000 | $68,000 | $589,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 372 | $45,983,000 | $123,000 | $363,000 | $39,000 | $87,000 |
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 | 3,603 | $719,884,000 | $199,000 | $965,000 | $85,000 | $1,200,000 |
| Application Withdrawn By Applicant | 2,463 | $435,845,000 | $176,000 | $2,000,000 | $71,000 | $1,800,000 |
| Application Denied By Financial Institution | 1,592 | $243,273,000 | $152,000 | $1,500,000 | $55,000 | $1,320,000 |
| Application Approved But Not Accepted | 416 | $87,920,000 | $211,000 | $746,000 | $84,000 | $661,000 |
| File Closed For Incompleteness | 87 | $19,725,000 | $226,000 | $1,350,000 | $114,000 | $1,012,000 |
| 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 | 462 | $57,325,000 | $124,000 | $735,000 | $39,000 | $660,000 |
| Credit Application Incomplete | 170 | $30,202,000 | $177,000 | $950,000 | $70,000 | $851,000 |
| Collateral | 112 | $25,102,000 | $224,000 | $1,500,000 | $100,000 | $716,000 |
| Other | 105 | $18,866,000 | $179,000 | $565,000 | $82,000 | $367,000 |
| Debt-To-Income Ratio | 78 | $17,909,000 | $229,000 | $980,000 | $75,000 | $350,000 |
| Employment History | 50 | $7,937,000 | $158,000 | $417,000 | $47,000 | $152,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 31 | $4,852,000 | $156,000 | $841,000 | $67,000 | $360,000 |
| Unverifiable Information | 25 | $4,530,000 | $181,000 | $532,000 | $64,000 | $192,000 |
| Mortgage Insurance Denied | 1 | $199,000 | $199,000 | $199,000 | $96,000 | $96,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ark-La-Tex Financial Services's 2010 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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