Aulds, Horne & White Inv.Corp. Mortgage Lending & HMDA Data, 2003
In 2003, Aulds, Horne & White Inv.Corp. of Shreveport, LA reported 1,387 mortgage applications totaling $154.0 million. The average application was for $111,022, and applicants reported an average income of $64,182. 96% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Shreveport-Bossier City, LA (1,013), Alexandria, LA (261) and Longview-Marshall, TX (54) (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 | 1,387 |
| Total Mortgage Loan Application Amount | $153,988,000 |
| Average Mortgage Loan Application Amount | $111,022 |
| Highest Mortgage Loan Application Amount | $323,000 |
| Average Applicant Income | $64,182 |
| Highest Applicant Income | $472,000 |
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 filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2003
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 |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 917 | $99,976,000 | $95,000 | $323,000 | $67,000 | $472,000 |
| Home Purchase (one-to-four family) | 470 | $54,012,000 | $103,500 | $323,000 | $57,000 | $437,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement (one-to-four family) | 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 | 1,313 | $145,782,000 | $99,500 | $323,000 | $62,500 | $472,000 |
| Black | 40 | $4,444,000 | $107,500 | $240,000 | $63,500 | $128,000 |
| Information not provided by applicant in mail or telephone application | 15 | $1,582,000 | $105,000 | $323,000 | $71,000 | $175,000 |
| Hispanic | 9 | $1,011,000 | $104,000 | $171,000 | $53,000 | $86,000 |
| Asian or Pacific Islander | 6 | $565,000 | $94,000 | $145,000 | $53,000 | $154,000 |
| Other | 4 | $604,000 | $151,000 | $280,000 | $125,000 | $237,000 |
| Not applicable | 0 | $0 | $0 | $0 | $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) | 1,168 | $129,554,000 | $100,000 | $323,000 | $65,500 | $472,000 |
| VA-guaranteed (Veterans Administration) | 122 | $14,591,000 | $102,000 | $240,000 | $61,000 | $138,000 |
| FHA-insured (Federal Housing Administration) | 93 | $9,393,000 | $87,500 | $157,000 | $50,000 | $437,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $450,000 | $112,000 | $134,000 | $57,000 | $68,000 |
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 | 1,330 | $146,649,000 | $98,000 | $323,000 | $62,000 | $472,000 |
| Application Withdrawn By Applicant | 36 | $4,555,000 | $130,500 | $222,000 | $66,500 | $420,000 |
| Application Denied By Financial Institution | 21 | $2,784,000 | $114,500 | $322,000 | $59,000 | $253,000 |
| 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 |
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 | 11 | $1,324,000 | $101,500 | $252,000 | $79,000 | $253,000 |
| Debt-To-Income Ratio | 6 | $1,087,000 | $151,500 | $322,000 | $48,000 | $80,000 |
| Employment History | 1 | $107,000 | $107,000 | $107,000 | $36,000 | $36,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $96,000 | $96,000 | $96,000 | $17,000 | $17,000 |
| Other | 1 | $45,000 | $45,000 | $45,000 | $51,000 | $51,000 |
| Unverifiable Information | 1 | $125,000 | $125,000 | $125,000 | $20,000 | $20,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Aulds, Horne & White Inv.Corp.'s 2003 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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