Ark-La-Tex Financial Services Mortgage Lending & HMDA Data, 2005
In 2005, Ark-La-Tex Financial Services of Plano, TX reported 2,274 mortgage applications totaling $442.0 million, up 100% from 2004. The average application was for $194,354, and applicants reported an average income of $85,416. 53% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Dallas-Plano-Irving, TX (319), Fort Worth-Arlington, TX (168) and San Antonio, TX (112) (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 | 2,274 |
| Total Mortgage Loan Application Amount | $441,961,000 |
| Average Mortgage Loan Application Amount | $194,354 |
| Highest Mortgage Loan Application Amount | $64,900,000 |
| Average Applicant Income | $85,416 |
| Highest Applicant Income | $4,320,000 |
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records Ark-La-Tex Financial Services filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Dallas-Plano-Irving, TX | 319 | $ 43,167,000 | $ 135,319 | $ 78,000 |
| Fort Worth-Arlington, TX | 168 | $ 27,523,000 | $ 163,827 | $ 88,000 |
| San Antonio, TX | 112 | $ 12,721,000 | $ 113,580 | $ 84,000 |
| Atlanta-Sandy Springs-Marietta, GA | 90 | $ 13,218,000 | $ 146,866 | $ 65,000 |
| Los Angeles-Long Beach-Glendale, CA | 58 | $ 17,765,000 | $ 306,293 | $ 135,000 |
| Houston-Baytown-Sugar Land, TX | 57 | $ 9,060,000 | $ 158,947 | $ 117,000 |
| Chicago-Naperville-Joliet, IL | 46 | $ 8,543,000 | $ 185,717 | $ 59,000 |
| Riverside-San Bernardino-Ontario, CA | 46 | $ 11,203,000 | $ 243,543 | $ 105,000 |
| Indianapolis, IN | 40 | $ 4,770,000 | $ 119,250 | $ 66,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 40 | $ 11,162,000 | $ 279,050 | $ 85,000 |
| St. Louis, MO-IL | 38 | $ 4,647,000 | $ 122,289 | $ 50,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 37 | $ 6,309,000 | $ 170,513 | $ 104,000 |
| New Orleans-Metairie-Kenner, LA | 36 | $ 6,046,000 | $ 167,944 | $ 69,000 |
| Birmingham-Hoover, AL | 35 | $ 6,486,000 | $ 185,314 | $ 95,000 |
| Camden, NJ | 35 | $ 5,503,000 | $ 157,228 | $ 80,000 |
| Denver-Aurora, CO | 33 | $ 5,315,000 | $ 161,060 | $ 71,000 |
| Miami-Miami Beach-Kendall, FL | 32 | $ 5,574,000 | $ 174,187 | $ 77,000 |
| Tampa-St. Petersburg-Clearwater, FL | 32 | $ 5,467,000 | $ 170,843 | $ 102,000 |
| San Diego-Carlsbad-San Marcos, CA | 31 | $ 11,634,000 | $ 375,290 | $ 139,000 |
| Santa Ana-Anaheim-Irvine, CA | 31 | $ 13,159,000 | $ 424,483 | $ 145,000 |
| El Paso, TX | 30 | $ 2,484,000 | $ 82,800 | $ 61,000 |
| Orlando, FL | 28 | $ 4,203,000 | $ 150,107 | $ 72,000 |
| Shreveport-Bossier City, LA | 26 | $ 2,979,000 | $ 114,576 | $ 55,000 |
| Baton Rouge, LA | 24 | $ 2,914,000 | $ 121,416 | $ 66,000 |
| Brownsville-Harlingen, TX | 24 | $ 2,754,000 | $ 114,750 | $ 51,000 |
| Detroit-Livonia-Dearborn, MI | 24 | $ 3,301,000 | $ 137,541 | $ 45,000 |
| Fresno, CA | 24 | $ 5,709,000 | $ 237,875 | $ 95,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 23 | $ 5,279,000 | $ 229,521 | $ 105,000 |
| Cape Coral-Fort Myers, FL | 21 | $ 3,438,000 | $ 163,714 | $ 73,000 |
| Waco, TX | 20 | $ 1,666,000 | $ 83,300 | $ 67,000 |
| Gulfport-Biloxi, MS | 19 | $ 1,925,000 | $ 101,315 | $ 50,000 |
| Kansas City, MO-KS | 19 | $ 2,406,000 | $ 126,631 | $ 86,000 |
| Springfield, MO | 18 | $ 1,479,000 | $ 82,166 | $ 145,000 |
| Austin-Round Rock, TX | 16 | $ 2,779,000 | $ 173,687 | $ 66,000 |
| Lakeland, FL | 16 | $ 2,011,000 | $ 125,687 | $ 52,000 |
| Oklahoma City, OK | 15 | $ 66,596,000 | $ 4,439,733 | $ 77,000 |
| Nashville-Davidson--Murfreesboro, TN | 14 | $ 1,597,000 | $ 114,071 | $ 56,000 |
| Oakland-Fremont-Hayward, CA | 14 | $ 4,581,000 | $ 327,214 | $ 112,000 |
| Johnson City, TN | 13 | $ 1,182,000 | $ 90,923 | $ 49,000 |
| Stockton, CA | 12 | $ 3,535,000 | $ 294,583 | $ 155,000 |
| Colorado Springs, CO | 11 | $ 2,234,000 | $ 203,090 | $ 90,000 |
| Edison, NJ | 11 | $ 3,172,000 | $ 288,363 | $ 116,000 |
| Vallejo-Fairfield, CA | 11 | $ 3,728,000 | $ 338,909 | $ 114,000 |
| Amarillo, TX | 10 | $ 872,000 | $ 87,200 | $ 43,000 |
| Corpus Christi, TX | 10 | $ 1,050,000 | $ 105,000 | $ 72,000 |
| Killeen-Temple-Fort Hood, TX | 10 | $ 1,015,000 | $ 101,500 | $ 48,000 |
| Port St. Lucie-Fort Pierce, FL | 10 | $ 2,248,000 | $ 224,800 | $ 112,000 |
| McAllen-Edinburg-Pharr, TX | 8 | $ 825,000 | $ 103,125 | $ 83,000 |
| Memphis, TN-MS-AR | 8 | $ 569,000 | $ 71,125 | $ 37,000 |
| Monroe, LA | 8 | $ 767,000 | $ 95,875 | $ 45,000 |
| Pascagoula, MS | 8 | $ 810,000 | $ 101,250 | $ 53,000 |
| Tulsa, OK | 8 | $ 1,246,000 | $ 155,750 | $ 74,000 |
| Beaumont-Port Arthur, TX | 7 | $ 829,000 | $ 118,428 | $ 74,000 |
| Greeley, CO | 7 | $ 709,000 | $ 101,285 | $ 57,000 |
| Las Vegas-Paradise, NV | 7 | $ 1,979,000 | $ 282,714 | $ 103,000 |
| Naples-Marco Island, FL | 7 | $ 1,779,000 | $ 254,142 | $ 142,000 |
| Ocala, FL | 7 | $ 744,000 | $ 106,285 | $ 68,000 |
| Pensacola-Ferry Pass-Brent, FL | 7 | $ 853,000 | $ 121,857 | $ 64,000 |
| Sarasota-Bradenton-Venice, FL | 7 | $ 1,250,000 | $ 178,571 | $ 74,000 |
| Fort Walton Beach-Crestview-Destin, FL | 6 | $ 1,557,000 | $ 259,500 | $ 112,000 |
| Merced, CA | 6 | $ 805,000 | $ 134,166 | $ 166,000 |
| Modesto, CA | 6 | $ 941,000 | $ 156,833 | $ 118,000 |
| Albuquerque, NM | 5 | $ 688,000 | $ 137,600 | $ 70,000 |
| Gary, IN | 5 | $ 1,013,000 | $ 202,600 | $ 83,000 |
| Knoxville, TN | 5 | $ 620,000 | $ 124,000 | $ 89,000 |
| Ogden-Clearfield, UT | 5 | $ 393,000 | $ 78,600 | $ 35,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 5 | $ 1,496,000 | $ 299,200 | $ 60,000 |
| San Francisco-San Mateo-Redwood City, CA | 5 | $ 3,095,000 | $ 619,000 | $ 165,000 |
| Springfield, IL | 5 | $ 384,000 | $ 76,800 | $ 47,000 |
| Atlantic City, NJ | 4 | $ 1,190,000 | $ 297,500 | $ 130,000 |
| Jacksonville, FL | 4 | $ 318,000 | $ 79,500 | $ 62,000 |
| Madera, CA | 4 | $ 1,129,000 | $ 282,250 | $ 65,000 |
| Punta Gorda, FL | 4 | $ 1,071,000 | $ 267,750 | $ 110,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 4 | $ 1,365,000 | $ 341,250 | $ 129,000 |
| Dayton, OH | 3 | $ 305,000 | $ 101,666 | $ 29,000 |
| Evansville, IN-KY | 3 | $ 179,000 | $ 59,666 | $ 35,000 |
| Fort Collins-Loveland, CO | 3 | $ 827,000 | $ 275,666 | $ 86,000 |
| Honolulu, HI | 3 | $ 1,688,000 | $ 562,666 | $ 147,000 |
| Huntsville, AL | 3 | $ 496,000 | $ 165,333 | $ 59,000 |
| Las Cruces, NM | 3 | $ 243,000 | $ 81,000 | $ 59,000 |
| Montgomery, AL | 3 | $ 288,000 | $ 96,000 | $ 60,000 |
| Peoria, IL | 3 | $ 207,000 | $ 69,000 | $ 40,000 |
| Salt Lake City, UT | 3 | $ 420,000 | $ 140,000 | $ 43,000 |
| Sherman-Denison, TX | 3 | $ 149,000 | $ 49,666 | $ 61,000 |
| Vero Beach, FL | 3 | $ 252,000 | $ 84,000 | $ 59,000 |
| Warner Robins, GA | 3 | $ 317,000 | $ 105,666 | $ 171,000 |
| Wichita, KS | 3 | $ 438,000 | $ 146,000 | $ 50,000 |
| Anniston-Oxford, AL | 2 | $ 164,000 | $ 82,000 | $ 74,000 |
| Boulder, CO | 2 | $ 464,000 | $ 232,000 | $ 125,000 |
| Chico, CA | 2 | $ 322,000 | $ 161,000 | $ 75,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 350,000 | $ 175,000 | $ 19,000 |
| Dothan, AL | 2 | $ 250,000 | $ 125,000 | $ 41,000 |
| Gainesville, GA | 2 | $ 377,000 | $ 188,500 | $ 77,000 |
| Hanford-Corcoran, CA | 2 | $ 259,000 | $ 129,500 | $ 64,000 |
| Hattiesburg, MS | 2 | $ 152,000 | $ 76,000 | $ 42,000 |
| Jackson, MS | 2 | $ 104,000 | $ 52,000 | $ 33,000 |
| Lubbock, TX | 2 | $ 206,000 | $ 103,000 | $ 111,000 |
| Mobile, AL | 2 | $ 713,000 | $ 356,500 | $ 143,000 |
| Napa, CA | 2 | $ 958,000 | $ 479,000 | $ 140,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 390,000 | $ 195,000 | $ 102,000 |
| Panama City-Lynn Haven, FL | 2 | $ 364,000 | $ 182,000 | $ 112,000 |
| Provo-Orem, UT | 2 | $ 204,000 | $ 102,000 | $ 83,000 |
| Redding, CA | 2 | $ 417,000 | $ 208,500 | $ 82,000 |
| Saginaw-Saginaw Township North, MI | 2 | $ 192,000 | $ 96,000 | $ 16,000 |
| San Angelo, TX | 2 | $ 98,000 | $ 49,000 | $ 50,000 |
| Vineland-Millville-Bridgeton, NJ | 2 | $ 144,000 | $ 72,000 | $ 45,000 |
| Visalia-Porterville, CA | 2 | $ 742,000 | $ 371,000 | $ 129,000 |
| Warren-Farmington Hills-Troy, MI | 2 | $ 367,000 | $ 183,500 | $ 71,000 |
| Yuba City, CA | 2 | $ 535,000 | $ 267,500 | $ 82,000 |
| Abilene, TX | 1 | $ 140,000 | $ 140,000 | $ 126,000 |
| Albany, GA | 1 | $ 80,000 | $ 80,000 | $ 31,000 |
| Alexandria, LA | 1 | $ 75,000 | $ 75,000 | $ 51,000 |
| Anchorage, AK | 1 | $ 191,000 | $ 191,000 | $ 64,000 |
| Appleton, WI | 1 | $ 76,000 | $ 76,000 | $ 46,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 184,000 | $ 184,000 | $ 83,000 |
| Bakersfield, CA | 1 | $ 399,000 | $ 399,000 | $ 500,000 |
| Boston-Quincy, MA | 1 | $ 352,000 | $ 352,000 | $ 100,000 |
| Casper, WY | 1 | $ 212,000 | $ 212,000 | $ 81,000 |
| Cedar Rapids, IA | 1 | $ 79,000 | $ 79,000 | $ 298,000 |
| Champaign-Urbana, IL | 1 | $ 155,000 | $ 155,000 | $ 59,000 |
| Coeur D'Alene, ID | 1 | $ 149,000 | $ 149,000 | $ 53,000 |
| College Station-Bryan, TX | 1 | $ 156,000 | $ 156,000 | $ 94,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 45,000 | $ 45,000 | $ 34,000 |
| Decatur, AL | 1 | $ 95,000 | $ 95,000 | $ 72,000 |
| Des Moines, IA | 1 | $ 177,000 | $ 177,000 | $ 47,000 |
| El Centro, CA | 1 | $ 112,000 | $ 112,000 | $ 60,000 |
| Elkhart-Goshen, IN | 1 | $ 144,000 | $ 144,000 | $ 89,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 86,000 | $ 86,000 | $ 19,000 |
| Houma-Bayou Cane-Thibodaux, LA | 1 | $ 87,000 | $ 87,000 | $ 49,000 |
| Jackson, TN | 1 | $ 163,000 | $ 163,000 | $ 66,000 |
| Jefferson City, MO | 1 | $ 211,000 | $ 211,000 | $ 92,000 |
| Jonesboro, AR | 1 | $ 170,000 | $ 170,000 | $ 118,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 139,000 | $ 139,000 | $ 49,000 |
| Little Rock-North Little Rock, AR | 1 | $ 133,000 | $ 133,000 | $ 64,000 |
| Longview, TX | 1 | $ 110,000 | $ 110,000 | $ 48,000 |
| Louisville, KY-IN | 1 | $ 86,000 | $ 86,000 | $ 21,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 80,000 | $ 80,000 | $ 66,000 |
| Morristown, TN | 1 | $ 160,000 | $ 160,000 | $ 69,000 |
| Newark-Union, NJ-PA | 1 | $ 360,000 | $ 360,000 | $ 157,000 |
| Ocean City, NJ | 1 | $ 50,000 | $ 50,000 | $ 44,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 179,000 | $ 179,000 | $ 45,000 |
| Pocatello, ID | 1 | $ 107,000 | $ 107,000 | $ 29,000 |
| Reno-Sparks, NV | 1 | $ 170,000 | $ 170,000 | $ 42,000 |
| Rockford, IL | 1 | $ 118,000 | $ 118,000 | $ 46,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 1 | $ 318,000 | $ 318,000 | $ 98,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 1,170,000 | $ 1,170,000 | $ 336,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 600,000 | $ 600,000 | $ 918,000 |
| Savannah, GA | 1 | $ 148,000 | $ 148,000 | $ 44,000 |
| Trenton-Ewing, NJ | 1 | $ 208,000 | $ 208,000 | $ 75,000 |
| Tuscaloosa, AL | 1 | $ 111,000 | $ 111,000 | $ 36,000 |
| Tyler, TX | 1 | $ 328,000 | $ 328,000 | $ 300,000 |
Mortgage Loan Application Detail Totals for Ark-La-Tex Financial Services in 2005
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 | 1,282 | $240,776,000 | $267,032 | $64,900,000 | $77,354 | $4,320,000 |
| Refinancing | 992 | $201,185,000 | $166,620 | $2,770,000 | $77,344 | $1,800,000 |
| 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 | 1,419 | $241,581,000 | $154,750 | $2,770,000 | $70,156 | $1,800,000 |
| Hispanic | 343 | $114,118,000 | $1,845,368 | $64,900,000 | $58,368 | $918,000 |
| Black or African American | 297 | $42,489,000 | $168,200 | $945,000 | $271,000 | $4,320,000 |
| Not Provided | 109 | $22,462,000 | $212,500 | $1,350,000 | $80,000 | $411,000 |
| Asian | 66 | $15,686,000 | $176,400 | $915,000 | $80,200 | $324,000 |
| Not applicable | 17 | $2,591,000 | $138,500 | $400,000 | $99,100 | $298,000 |
| Native Hawaiian or Other Pacific Islander | 15 | $2,300,000 | $139,000 | $448,000 | $81,750 | $205,000 |
| American Indian or Alaskan Native | 8 | $734,000 | $95,800 | $140,000 | $44,200 | $88,000 |
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) | 2,021 | $345,910,000 | $151,580 | $2,770,000 | $73,483 | $4,320,000 |
| FHA-insured (Federal Housing Administration) | 176 | $84,003,000 | $1,062,470 | $64,900,000 | $57,647 | $1,246,000 |
| VA-guaranteed (Veterans Administration) | 77 | $12,048,000 | $163,500 | $360,000 | $58,916 | $157,000 |
| 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 | 1,205 | $205,849,000 | $171,066 | $2,770,000 | $69,600 | $1,800,000 |
| Loan Purchased By The Institution | 395 | $59,097,000 | $128,647 | $748,000 | $72,941 | $436,000 |
| Application Approved But Not Accepted | 224 | $41,276,000 | $152,208 | $1,515,000 | $107,375 | $4,320,000 |
| Application Withdrawn By Applicant | 213 | $99,563,000 | $948,761 | $64,900,000 | $86,904 | $567,000 |
| Application Denied By Financial Institution | 174 | $27,711,000 | $120,368 | $975,000 | $56,789 | $329,000 |
| File Closed For Incompleteness | 63 | $8,465,000 | $124,615 | $584,000 | $61,538 | $186,000 |
| 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 | 50 | $6,754,000 | $146,090 | $750,000 | $63,909 | $300,000 |
| Debt-To-Income Ratio | 35 | $4,394,000 | $110,700 | $469,000 | $53,800 | $259,000 |
| Other | 34 | $5,253,000 | $126,846 | $587,000 | $62,000 | $329,000 |
| Collateral | 20 | $4,300,000 | $168,000 | $975,000 | $68,888 | $329,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 15 | $2,808,000 | $189,500 | $700,000 | $76,166 | $205,000 |
| Unverifiable Information | 10 | $1,686,000 | $161,600 | $414,000 | $119,600 | $197,000 |
| Employment History | 7 | $1,316,000 | $279,666 | $530,000 | $71,666 | $107,000 |
| Credit Application Incomplete | 3 | $1,200,000 | $432,500 | $531,000 | $151,500 | $318,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ark-La-Tex Financial Services's 2005 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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