Cimarron Mortgage Company Mortgage Lending & HMDA Data, 2013
In 2013, Cimarron Mortgage Company of Jackson, MS reported 1,711 mortgage applications totaling $278.8 million, down 22% from 2012. The average application was for $162,971, and applicants reported an average income of $90,955. 36% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Monroe, LA (161), Dallas-Plano-Irving, TX (96) and Lafayette, LA (93) (applications in parentheses).
| Mortgage Company & Address | Cimarron Mortgage Company 6311 Ridgewood Road, Suite 400w Jackson, MS 39211 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2013 2012 |
| Total Number of Mortgage Applications | 1,711 |
| Total Mortgage Loan Application Amount | $278,844,000 |
| Average Mortgage Loan Application Amount | $162,971 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $90,955 |
| Highest Applicant Income | $1,274,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Cimarron Mortgage Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Monroe, LA | 161 | $ 29,002,000 | $ 180,136 | $ 115,000 |
| Dallas-Plano-Irving, TX | 96 | $ 22,243,000 | $ 231,697 | $ 121,000 |
| Lafayette, LA | 93 | $ 16,808,000 | $ 180,731 | $ 114,000 |
| Jackson, MS | 81 | $ 13,616,000 | $ 168,098 | $ 81,000 |
| New Orleans-Metairie-Kenner, LA | 58 | $ 11,786,000 | $ 203,206 | $ 117,000 |
| Shreveport-Bossier City, LA | 45 | $ 8,630,000 | $ 191,777 | $ 114,000 |
| Houston-Sugar Land-Baytown, TX | 27 | $ 5,904,000 | $ 218,666 | $ 150,000 |
| Fort Worth-Arlington, TX | 26 | $ 4,966,000 | $ 191,000 | $ 118,000 |
| Kansas City, MO-KS | 23 | $ 3,723,000 | $ 161,869 | $ 75,000 |
| Baton Rouge, LA | 20 | $ 4,713,000 | $ 235,650 | $ 124,000 |
| Phoenix-Mesa-Glendale, AZ | 16 | $ 3,476,000 | $ 217,250 | $ 100,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 14 | $ 3,167,000 | $ 226,214 | $ 73,000 |
| Mobile, AL | 11 | $ 1,740,000 | $ 158,181 | $ 71,000 |
| Denver-Aurora-Broomfield, CO | 9 | $ 2,285,000 | $ 253,888 | $ 148,000 |
| Hattiesburg, MS | 9 | $ 1,699,000 | $ 188,777 | $ 101,000 |
| St. Louis, MO-IL | 9 | $ 1,586,000 | $ 176,222 | $ 65,000 |
| Chattanooga, TN-GA | 8 | $ 1,377,000 | $ 172,125 | $ 65,000 |
| Brunswick, GA | 7 | $ 990,000 | $ 141,428 | $ 78,000 |
| Oklahoma City, OK | 7 | $ 1,104,000 | $ 157,714 | $ 83,000 |
| Austin-Round Rock-San Marcos, TX | 6 | $ 1,302,000 | $ 217,000 | $ 80,000 |
| Little Rock-North Little Rock-Conway, AR | 6 | $ 1,076,000 | $ 179,333 | $ 42,000 |
| San Antonio-New Braunfels, TX | 6 | $ 1,304,000 | $ 217,333 | $ 120,000 |
| Gulfport-Biloxi, MS | 5 | $ 574,000 | $ 114,800 | $ 67,000 |
| Knoxville, TN | 3 | $ 456,000 | $ 152,000 | $ 58,000 |
| Albany, GA | 2 | $ 287,000 | $ 143,500 | $ 56,000 |
| Atlanta-Sandy Springs-Marietta, GA | 2 | $ 412,000 | $ 206,000 | $ 27,000 |
| Auburn-Opelika, AL | 2 | $ 330,000 | $ 165,000 | $ 54,000 |
| Birmingham-Hoover, AL | 2 | $ 155,000 | $ 77,500 | $ 45,000 |
| Memphis, TN-MS-AR | 2 | $ 248,000 | $ 124,000 | $ 41,000 |
| Pascagoula, MS | 2 | $ 448,000 | $ 224,000 | $ 83,000 |
| Pueblo, CO | 2 | $ 456,000 | $ 228,000 | $ 97,000 |
| Savannah, GA | 2 | $ 490,000 | $ 245,000 | $ 109,000 |
| Athens-Clarke County, GA | 1 | $ 104,000 | $ 104,000 | $ 414,000 |
| Beaumont-Port Arthur, TX | 1 | $ 399,000 | $ 399,000 | $ 111,000 |
| Boulder, CO | 1 | $ 375,000 | $ 375,000 | $ 215,000 |
| Colorado Springs, CO | 1 | $ 361,000 | $ 361,000 | $ 79,000 |
| Hinesville-Fort Stewart, GA | 1 | $ 73,000 | $ 73,000 | $ 20,000 |
| Houma-Bayou Cane-Thibodaux, LA | 1 | $ 150,000 | $ 150,000 | $ 144,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 120,000 | $ 120,000 | $ 136,000 |
| Longview, TX | 1 | $ 153,000 | $ 153,000 | $ 64,000 |
| Lubbock, TX | 1 | $ 232,000 | $ 232,000 | $ 284,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 263,000 | $ 263,000 | $ 249,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 320,000 | $ 320,000 | $ 192,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 190,000 | $ 190,000 | $ 88,000 |
| Tucson, AZ | 1 | $ 300,000 | $ 300,000 | $ 163,000 |
| Tulsa, OK | 1 | $ 81,000 | $ 81,000 | $ 18,000 |
| Tyler, TX | 1 | $ 309,000 | $ 309,000 | $ 54,000 |
| Wichita Falls, TX | 1 | $ 221,000 | $ 221,000 | $ 139,000 |
Mortgage Loan Application Detail Totals for Cimarron Mortgage Company in 2013
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 | 1,019 | $164,700,000 | $161,000 | $417,000 | $95,000 | $1,274,000 |
| Home Purchase | 692 | $114,144,000 | $164,000 | $417,000 | $85,000 | $1,249,000 |
| 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 | 1,575 | $258,187,000 | $163,000 | $417,000 | $93,000 | $1,274,000 |
| Black or African American | 81 | $11,390,000 | $140,000 | $400,000 | $63,000 | $357,000 |
| Hispanic | 21 | $3,502,000 | $166,000 | $416,000 | $86,000 | $249,000 |
| Asian | 18 | $2,890,000 | $160,000 | $290,000 | $67,000 | $145,000 |
| Not Provided | 11 | $2,273,000 | $206,000 | $399,000 | $90,000 | $269,000 |
| American Indian or Alaskan Native | 3 | $439,000 | $146,000 | $201,000 | $42,000 | $76,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $163,000 | $81,000 | $82,000 | $98,000 | $146,000 |
| 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) | 1,383 | $235,248,000 | $170,000 | $417,000 | $100,000 | $1,274,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 173 | $20,392,000 | $117,000 | $301,000 | $44,000 | $300,000 |
| FHA-insured (Federal Housing Administration) | 135 | $19,190,000 | $142,000 | $273,000 | $60,000 | $540,000 |
| VA-guaranteed (Veterans Administration) | 20 | $4,014,000 | $200,000 | $361,000 | $63,000 | $154,000 |
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 Purchased By The Institution | 976 | $178,448,000 | $182,000 | $417,000 | $104,000 | $1,274,000 |
| Loan Originated | 622 | $84,637,000 | $136,000 | $417,000 | $74,000 | $573,000 |
| Application Denied By Financial Institution | 57 | $8,035,000 | $140,000 | $417,000 | $63,000 | $287,000 |
| Application Withdrawn By Applicant | 47 | $6,696,000 | $142,000 | $335,000 | $77,000 | $269,000 |
| Application Approved But Not Accepted | 5 | $396,000 | $79,000 | $130,000 | $49,000 | $70,000 |
| File Closed For Incompleteness | 4 | $632,000 | $158,000 | $232,000 | $110,000 | $133,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 20 | $3,057,000 | $152,000 | $417,000 | $58,000 | $170,000 |
| Collateral | 20 | $2,847,000 | $142,000 | $409,000 | $79,000 | $287,000 |
| Credit History | 8 | $1,096,000 | $137,000 | $209,000 | $55,000 | $132,000 |
| Other | 4 | $449,000 | $112,000 | $200,000 | $63,000 | $98,000 |
| Employment History | 2 | $375,000 | $187,000 | $255,000 | $40,000 | $41,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $173,000 | $86,000 | $94,000 | $32,000 | $35,000 |
| Unverifiable Information | 1 | $38,000 | $38,000 | $38,000 | $24,000 | $24,000 |
| 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 Cimarron Mortgage Company's 2013 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 Cimarron Mortgage Company'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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