Cms Mortgage Group, Inc. Mortgage Lending & HMDA Data, 2004
In 2004, Cms Mortgage Group, Inc. of Southfield, MI reported 1,310 mortgage applications totaling $143.9 million, down 53% from 2003. The average application was for $109,883, and applicants reported an average income of $20,975. 11% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (172), Joplin, MO (106) and San Antonio, TX (95) (applications in parentheses).
| Mortgage Company & Address | Cms Mortgage Group, Inc. 24275 Northwestern Hwy Suite 201 Southfield, MI 48075 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2004 2003 |
| Total Number of Mortgage Applications | 1,310 |
| Total Mortgage Loan Application Amount | $143,947,000 |
| Average Mortgage Loan Application Amount | $109,883 |
| Highest Mortgage Loan Application Amount | $428,000 |
| Average Applicant Income | $20,975 |
| Highest Applicant Income | $260,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Cms Mortgage Group, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Atlanta-Sandy Springs-Marietta, GA | 172 | $ 24,247,000 | $ 140,970 | $ 27,000 |
| Joplin, MO | 106 | $ 7,865,000 | $ 74,198 | $ 20,000 |
| San Antonio, TX | 95 | $ 11,399,000 | $ 119,989 | $ 6,000 |
| Warren-Farmington Hills-Troy, MI | 58 | $ 8,385,000 | $ 144,568 | $ 46,000 |
| Detroit-Livonia-Dearborn, MI | 57 | $ 6,607,000 | $ 115,912 | $ 36,000 |
| Phoenix-Mesa-Scottsdale, AZ | 30 | $ 4,277,000 | $ 142,566 | $ 0 |
| Clarksville, TN-KY | 29 | $ 3,058,000 | $ 105,448 | $ 0 |
| Killeen-Temple-Fort Hood, TX | 29 | $ 2,590,000 | $ 89,310 | $ 0 |
| Corpus Christi, TX | 28 | $ 2,806,000 | $ 100,214 | $ 0 |
| Augusta-Richmond County, GA-SC | 26 | $ 2,413,000 | $ 92,807 | $ 21,000 |
| Dallas-Plano-Irving, TX | 24 | $ 3,558,000 | $ 148,250 | $ 0 |
| Tulsa, OK | 22 | $ 1,966,000 | $ 89,363 | $ 18,000 |
| Houston-Baytown-Sugar Land, TX | 21 | $ 3,038,000 | $ 144,666 | $ 0 |
| Flint, MI | 19 | $ 1,865,000 | $ 98,157 | $ 30,000 |
| Fort Worth-Arlington, TX | 19 | $ 2,446,000 | $ 128,736 | $ 0 |
| Lansing-East Lansing, MI | 17 | $ 1,940,000 | $ 114,117 | $ 29,000 |
| El Paso, TX | 14 | $ 1,678,000 | $ 119,857 | $ 0 |
| Warner Robins, GA | 12 | $ 1,473,000 | $ 122,750 | $ 0 |
| Cincinnati-Middletown, OH-KY-IN | 10 | $ 1,299,000 | $ 129,900 | $ 0 |
| Columbus, OH | 10 | $ 1,438,000 | $ 143,800 | $ 7,000 |
| Grand Rapids-Wyoming, MI | 10 | $ 1,100,000 | $ 110,000 | $ 34,000 |
| Hinesville-Fort Stewart, GA | 10 | $ 1,218,000 | $ 121,800 | $ 44,000 |
| Jackson, MI | 9 | $ 1,322,000 | $ 146,888 | $ 65,000 |
| Austin-Round Rock, TX | 8 | $ 1,229,000 | $ 153,625 | $ 0 |
| Cleveland-Elyria-Mentor, OH | 7 | $ 688,000 | $ 98,285 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 7 | $ 854,000 | $ 122,000 | $ 0 |
| Amarillo, TX | 6 | $ 802,000 | $ 133,666 | $ 0 |
| Birmingham-Hoover, AL | 6 | $ 600,000 | $ 100,000 | $ 18,000 |
| Fayetteville, NC | 6 | $ 624,000 | $ 104,000 | $ 0 |
| Lawton, OK | 6 | $ 795,000 | $ 132,500 | $ 0 |
| Memphis, TN-MS-AR | 6 | $ 625,000 | $ 104,166 | $ 15,000 |
| Colorado Springs, CO | 5 | $ 847,000 | $ 169,400 | $ 0 |
| Elkhart-Goshen, IN | 5 | $ 481,000 | $ 96,200 | $ 12,000 |
| Fort Walton Beach-Crestview-Destin, FL | 5 | $ 588,000 | $ 117,600 | $ 0 |
| Kalamazoo-Portage, MI | 5 | $ 508,000 | $ 101,600 | $ 22,000 |
| Niles-Benton Harbor, MI | 5 | $ 458,000 | $ 91,600 | $ 33,000 |
| Pensacola-Ferry Pass-Brent, FL | 5 | $ 657,000 | $ 131,400 | $ 0 |
| Raleigh-Cary, NC | 5 | $ 719,000 | $ 143,800 | $ 0 |
| Dayton, OH | 4 | $ 432,000 | $ 108,000 | $ 18,000 |
| Gulfport-Biloxi, MS | 4 | $ 665,000 | $ 166,250 | $ 0 |
| Muskegon-Norton Shores, MI | 4 | $ 354,000 | $ 88,500 | $ 12,000 |
| Saginaw-Saginaw Township North, MI | 4 | $ 299,000 | $ 74,750 | $ 30,000 |
| Tucson, AZ | 4 | $ 628,000 | $ 157,000 | $ 0 |
| Cape Coral-Fort Myers, FL | 3 | $ 454,000 | $ 151,333 | $ 65,000 |
| Fort Wayne, IN | 3 | $ 243,000 | $ 81,000 | $ 0 |
| Milwaukee-Waukesha-West Allis, WI | 3 | $ 397,000 | $ 132,333 | $ 0 |
| New Orleans-Metairie-Kenner, LA | 3 | $ 275,000 | $ 91,666 | $ 0 |
| Akron, OH | 2 | $ 184,000 | $ 92,000 | $ 0 |
| Chattanooga, TN-GA | 2 | $ 163,000 | $ 81,500 | $ 0 |
| Chicago-Naperville-Joliet, IL | 2 | $ 296,000 | $ 148,000 | $ 24,000 |
| Columbia, SC | 2 | $ 181,000 | $ 90,500 | $ 0 |
| Greeley, CO | 2 | $ 435,000 | $ 217,500 | $ 0 |
| Indianapolis, IN | 2 | $ 210,000 | $ 105,000 | $ 0 |
| Kansas City, MO-KS | 2 | $ 267,000 | $ 133,500 | $ 0 |
| Louisville, KY-IN | 2 | $ 170,000 | $ 85,000 | $ 0 |
| Montgomery, AL | 2 | $ 220,000 | $ 110,000 | $ 15,000 |
| Nashville-Davidson--Murfreesboro, TN | 2 | $ 146,000 | $ 73,000 | $ 12,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 203,000 | $ 101,500 | $ 0 |
| Richmond, VA | 2 | $ 360,000 | $ 180,000 | $ 0 |
| South Bend-Mishawaka, IN-MI | 2 | $ 191,000 | $ 95,500 | $ 17,000 |
| Springfield, OH | 2 | $ 159,000 | $ 79,500 | $ 0 |
| Tallahassee, FL | 2 | $ 248,000 | $ 124,000 | $ 48,000 |
| Yuma, AZ | 2 | $ 236,000 | $ 118,000 | $ 0 |
| Baton Rouge, LA | 1 | $ 71,000 | $ 71,000 | $ 0 |
| Battle Creek, MI | 1 | $ 109,000 | $ 109,000 | $ 50,000 |
| Bay City, MI | 1 | $ 87,000 | $ 87,000 | $ 0 |
| Bloomington, IN | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Boulder, CO | 1 | $ 197,000 | $ 197,000 | $ 0 |
| Evansville, IN-KY | 1 | $ 92,000 | $ 92,000 | $ 0 |
| Gainesville, GA | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Gary, IN | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Greensboro-High Point, NC | 1 | $ 154,000 | $ 154,000 | $ 0 |
| Greenville, NC | 1 | $ 154,000 | $ 154,000 | $ 0 |
| Holland-Grand Haven, MI | 1 | $ 118,000 | $ 118,000 | $ 67,000 |
| Jackson, MS | 1 | $ 108,000 | $ 108,000 | $ 0 |
| Jacksonville, FL | 1 | $ 79,000 | $ 79,000 | $ 0 |
| Jefferson City, MO | 1 | $ 95,000 | $ 95,000 | $ 63,000 |
| Knoxville, TN | 1 | $ 114,000 | $ 114,000 | $ 0 |
| Lake County-Kenosha County, IL-WI | 1 | $ 131,000 | $ 131,000 | $ 0 |
| Mansfield, OH | 1 | $ 96,000 | $ 96,000 | $ 0 |
| McAllen-Edinburg-Pharr, TX | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Monroe, MI | 1 | $ 152,000 | $ 152,000 | $ 0 |
| Ocala, FL | 1 | $ 97,000 | $ 97,000 | $ 0 |
| Oklahoma City, OK | 1 | $ 126,000 | $ 126,000 | $ 0 |
| Orlando, FL | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Pascagoula, MS | 1 | $ 74,000 | $ 74,000 | $ 0 |
| Rockford, IL | 1 | $ 101,000 | $ 101,000 | $ 0 |
| Rome, GA | 1 | $ 68,000 | $ 68,000 | $ 0 |
| Toledo, OH | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Tuscaloosa, AL | 1 | $ 85,000 | $ 85,000 | $ 32,000 |
| Victoria, TX | 1 | $ 22,000 | $ 22,000 | $ 20,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 93,000 | $ 93,000 | $ 0 |
Mortgage Loan Application Detail Totals for Cms Mortgage Group, Inc. in 2004
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 | 734 | $88,867,000 | $117,761 | $428,000 | $4,714 | $260,000 |
| Home Purchase | 576 | $55,080,000 | $96,800 | $251,000 | $34,600 | $142,000 |
| 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 | 860 | $94,047,000 | $116,894 | $428,000 | $11,315 | $260,000 |
| Black or African American | 271 | $33,001,000 | $119,150 | $279,000 | $5,650 | $107,000 |
| Hispanic | 141 | $13,074,000 | $106,692 | $202,000 | $11,769 | $56,000 |
| Not Provided | 28 | $2,655,000 | $106,555 | $190,000 | $11,666 | $72,000 |
| Asian | 7 | $868,000 | $126,250 | $181,000 | $19,500 | $40,000 |
| American Indian or Alaskan Native | 3 | $302,000 | $100,666 | $115,000 | $39,666 | $119,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| VA-guaranteed (Veterans Administration) | 537 | $67,444,000 | $125,050 | $240,000 | $6,150 | $142,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 355 | $28,116,000 | $93,800 | $251,000 | $27,400 | $80,000 |
| FHA-insured (Federal Housing Administration) | 330 | $36,475,000 | $91,071 | $213,000 | $16,857 | $162,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 88 | $11,912,000 | $103,666 | $428,000 | $38,777 | $260,000 |
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 | 881 | $95,989,000 | $116,000 | $428,000 | $10,647 | $260,000 |
| Application Withdrawn By Applicant | 183 | $19,755,000 | $112,058 | $250,000 | $8,823 | $127,000 |
| Loan Originated | 145 | $16,388,000 | $98,500 | $334,000 | $9,687 | $162,000 |
| Application Denied By Financial Institution | 97 | $11,438,000 | $113,000 | $240,000 | $23,333 | $142,000 |
| File Closed For Incompleteness | 4 | $377,000 | $110,333 | $192,000 | $38,333 | $101,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Other | 40 | $4,405,000 | $116,375 | $189,000 | $18,750 | $79,000 |
| Credit History | 29 | $3,749,000 | $111,285 | $240,000 | $36,142 | $142,000 |
| Debt-To-Income Ratio | 16 | $1,844,000 | $104,400 | $159,000 | $32,000 | $53,000 |
| Collateral | 5 | $615,000 | $117,500 | $183,000 | $47,500 | $80,000 |
| Unverifiable Information | 3 | $256,000 | $85,333 | $98,000 | $29,666 | $32,000 |
| Employment History | 2 | $301,000 | $150,500 | $189,000 | $52,500 | $60,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $268,000 | $134,000 | $206,000 | $34,500 | $38,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cms Mortgage Group, Inc.'s 2004 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 Cms Mortgage Group, Inc.'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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