Aulds, Horne & White Inv.Corp. Mortgage Lending & HMDA Data, 2005
In 2005, Aulds, Horne & White Inv.Corp. of Shreveport, LA reported 467 mortgage applications totaling $61.7 million, down 19% from 2004. The average application was for $132,094, and applicants reported an average income of $69,982. 97% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Shreveport-Bossier City, LA (310), Alexandria, LA (116) and Baton Rouge, LA (2) (applications in parentheses).
| Mortgage Company & Address | Aulds, Horne & White Inv.Corp. 425 Ashley Ridge Blvd. Suite 102 Shreveport, LA 71106 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 2004 2003 |
| Total Number of Mortgage Applications | 467 |
| Total Mortgage Loan Application Amount | $61,688,000 |
| Average Mortgage Loan Application Amount | $132,094 |
| Highest Mortgage Loan Application Amount | $460,000 |
| Average Applicant Income | $69,982 |
| Highest Applicant Income | $552,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Aulds, Horne & White Inv.Corp. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Aulds, Horne & White Inv.Corp. 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 | 329 | $44,969,000 | $124,000 | $460,000 | $70,500 | $552,000 |
| Refinancing | 138 | $16,719,000 | $121,000 | $357,000 | $72,000 | $219,000 |
| 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 | 438 | $57,808,000 | $124,000 | $460,000 | $72,500 | $552,000 |
| Black or African American | 26 | $3,642,000 | $140,000 | $244,000 | $65,000 | $161,000 |
| Hispanic | 2 | $98,000 | $49,000 | $58,000 | $55,500 | $60,000 |
| Asian | 1 | $140,000 | $140,000 | $140,000 | $74,000 | $74,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 351 | $45,876,000 | $117,000 | $460,000 | $72,000 | $552,000 |
| VA-guaranteed (Veterans Administration) | 67 | $10,169,000 | $154,500 | $314,000 | $73,000 | $161,000 |
| FHA-insured (Federal Housing Administration) | 49 | $5,643,000 | $115,000 | $165,000 | $54,000 | $233,000 |
| 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 | 454 | $59,937,000 | $122,000 | $460,000 | $71,000 | $552,000 |
| Application Withdrawn By Applicant | 10 | $1,485,000 | $124,500 | $357,000 | $73,000 | $174,000 |
| Application Denied By Financial Institution | 3 | $266,000 | $88,000 | $152,000 | $52,000 | $87,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 2 | $114,000 | $57,000 | $72,000 | $35,000 | $54,000 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Aulds, Horne & White Inv.Corp.'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 Aulds, Horne & White Inv.Corp.'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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