Bankers Financial Mortgage Grp Mortgage Lending & HMDA Data, 2006
In 2006, Bankers Financial Mortgage Grp of Dallas, TX reported 2,308 mortgage applications totaling $343.7 million, down 13% from 2005. The average application was for $148,896, and applicants reported an average income of $107,128. 95% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Dallas-Plano-Irving, TX (1,419), Fort Worth-Arlington, TX (629) and Houston-Sugar Land-Baytown, TX (30) (applications in parentheses).
| Mortgage Company & Address | Bankers Financial Mortgage Grp 13101 Preston Road #100 Dallas, TX 75240 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,308 |
| Total Mortgage Loan Application Amount | $343,652,000 |
| Average Mortgage Loan Application Amount | $148,896 |
| Highest Mortgage Loan Application Amount | $2,475,000 |
| Average Applicant Income | $107,128 |
| Highest Applicant Income | $1,608,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bankers Financial Mortgage Grp filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,419 | $ 220,625,000 | $ 155,479 | $ 111,000 |
| Fort Worth-Arlington, TX | 629 | $ 82,075,000 | $ 130,484 | $ 98,000 |
| Houston-Sugar Land-Baytown, TX | 30 | $ 4,982,000 | $ 166,066 | $ 112,000 |
| San Antonio, TX | 28 | $ 3,391,000 | $ 121,107 | $ 98,000 |
| Austin-Round Rock, TX | 22 | $ 4,195,000 | $ 190,681 | $ 84,000 |
| Sherman-Denison, TX | 10 | $ 1,519,000 | $ 151,900 | $ 65,000 |
| Abilene, TX | 8 | $ 898,000 | $ 112,250 | $ 64,000 |
| Tyler, TX | 7 | $ 902,000 | $ 128,857 | $ 91,000 |
| Lubbock, TX | 6 | $ 436,000 | $ 72,666 | $ 56,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 3 | $ 870,000 | $ 290,000 | $ 136,000 |
| Amarillo, TX | 2 | $ 268,000 | $ 134,000 | $ 117,000 |
| Asheville, NC | 2 | $ 613,000 | $ 306,500 | $ 200,000 |
| Beaumont-Port Arthur, TX | 2 | $ 200,000 | $ 100,000 | $ 72,000 |
| College Station-Bryan, TX | 2 | $ 130,000 | $ 65,000 | $ 350,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 312,000 | $ 156,000 | $ 94,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 461,000 | $ 230,500 | $ 52,000 |
| Knoxville, TN | 2 | $ 197,000 | $ 98,500 | $ 120,000 |
| Longview, TX | 2 | $ 146,000 | $ 73,000 | $ 79,000 |
| Pueblo, CO | 2 | $ 155,000 | $ 77,500 | $ 56,000 |
| Tulsa, OK | 2 | $ 129,000 | $ 64,500 | $ 45,000 |
| Birmingham-Hoover, AL | 1 | $ 176,000 | $ 176,000 | $ 102,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 198,000 | $ 198,000 | $ 48,000 |
| Corpus Christi, TX | 1 | $ 133,000 | $ 133,000 | $ 156,000 |
| Denver-Aurora, CO | 1 | $ 525,000 | $ 525,000 | $ 215,000 |
| El Paso, TX | 1 | $ 97,000 | $ 97,000 | $ 78,000 |
| Gary, IN | 1 | $ 119,000 | $ 119,000 | $ 53,000 |
| Hot Springs, AR | 1 | $ 94,000 | $ 94,000 | $ 79,000 |
| Indianapolis-Carmel, IN | 1 | $ 13,000 | $ 13,000 | $ 32,000 |
| Jacksonville, FL | 1 | $ 366,000 | $ 366,000 | $ 118,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 111,000 | $ 111,000 | $ 137,000 |
| Lawton, OK | 1 | $ 120,000 | $ 120,000 | $ 119,000 |
| Mobile, AL | 1 | $ 417,000 | $ 417,000 | $ 250,000 |
| Oklahoma City, OK | 1 | $ 70,000 | $ 70,000 | $ 85,000 |
| Orlando-Kissimmee, FL | 1 | $ 215,000 | $ 215,000 | $ 69,000 |
| Salinas, CA | 1 | $ 2,475,000 | $ 2,475,000 | $ 982,000 |
| San Diego-Carlsbad-San Marcos, CA | 1 | $ 387,000 | $ 387,000 | $ 120,000 |
| Texarkana, Tx-Texarkana, AR | 1 | $ 220,000 | $ 220,000 | $ 134,000 |
| Waco, TX | 1 | $ 129,000 | $ 129,000 | $ 39,000 |
| Wichita Falls, TX | 1 | $ 38,000 | $ 38,000 | $ 36,000 |
Mortgage Loan Application Detail Totals for Bankers Financial Mortgage Grp in 2006
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 | 1,947 | $267,854,000 | $137,000 | $2,000,000 | $104,000 | $1,608,000 |
| Refinancing | 361 | $75,798,000 | $209,000 | $2,475,000 | $124,000 | $1,220,000 |
| 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 | 1,774 | $269,081,000 | $151,000 | $2,000,000 | $111,000 | $1,608,000 |
| Not Provided | 180 | $27,218,000 | $151,000 | $750,000 | $105,000 | $570,000 |
| Hispanic | 163 | $23,573,000 | $144,000 | $2,475,000 | $88,000 | $982,000 |
| Black or African American | 123 | $13,036,000 | $105,000 | $362,000 | $75,000 | $305,000 |
| Asian | 53 | $8,462,000 | $159,000 | $650,000 | $114,000 | $401,000 |
| Native Hawaiian or Other Pacific Islander | 9 | $1,099,000 | $122,000 | $336,000 | $91,000 | $156,000 |
| American Indian or Alaskan Native | 6 | $1,183,000 | $197,000 | $664,000 | $140,000 | $540,000 |
| 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) | 1,995 | $302,452,000 | $151,000 | $2,475,000 | $115,000 | $1,608,000 |
| FHA-insured (Federal Housing Administration) | 262 | $33,637,000 | $128,000 | $203,000 | $58,000 | $305,000 |
| VA-guaranteed (Veterans Administration) | 48 | $7,248,000 | $151,000 | $339,000 | $72,000 | $170,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $315,000 | $105,000 | $169,000 | $58,000 | $90,000 |
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 | 2,185 | $320,349,000 | $146,000 | $2,000,000 | $108,000 | $1,608,000 |
| Application Withdrawn By Applicant | 97 | $15,650,000 | $161,000 | $950,000 | $92,000 | $537,000 |
| Application Approved But Not Accepted | 12 | $3,841,000 | $320,000 | $2,475,000 | $148,000 | $982,000 |
| Application Denied By Financial Institution | 8 | $3,238,000 | $404,000 | $964,000 | $228,000 | $495,000 |
| File Closed For Incompleteness | 4 | $359,000 | $89,000 | $126,000 | $54,000 | $78,000 |
| Preapproval Approved but not Accepted | 1 | $116,000 | $116,000 | $116,000 | $38,000 | $38,000 |
| Preapproval Denied by Financial Institution | 1 | $99,000 | $99,000 | $99,000 | $49,000 | $49,000 |
| 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 | 2 | $195,000 | $97,000 | $98,000 | $59,000 | $78,000 |
| Debt-To-Income Ratio | 2 | $1,924,000 | $962,000 | $964,000 | $267,000 | $267,000 |
| 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 Bankers Financial Mortgage Grp's 2006 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 Bankers Financial Mortgage Grp'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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