Member Home Loan LLC Mortgage Lending & HMDA Data, 2016
In 2016, Member Home Loan LLC of Houston, TX reported 2,750 mortgage applications totaling $497.6 million, up 1% from 2015. The average application was for $180,950, and applicants reported an average income of $113,025. 26% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Houston-The Woodlands-Sugar Land, TX (1,473), St. Louis, MO-IL (71) and Fort Worth-Arlington, TX (44) (applications in parentheses).
| Mortgage Company & Address | Member Home Loan LLC 9601 Jones Rd Suite 108 Houston, TX 77065 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 |
| Total Number of Mortgage Applications | 2,750 |
| Total Mortgage Loan Application Amount | $497,614,000 |
| Average Mortgage Loan Application Amount | $180,950 |
| Highest Mortgage Loan Application Amount | $1,320,000 |
| Average Applicant Income | $113,025 |
| Highest Applicant Income | $2,964,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Member Home Loan LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Harris, Texas | 933 | $ 164,762,000 | $ 176,593 | $ 119,000 |
| Fort Bend, Texas | 196 | $ 51,363,000 | $ 262,056 | $ 144,000 |
| Galveston, Texas | 173 | $ 29,500,000 | $ 170,520 | $ 115,000 |
| Brazoria, Texas | 77 | $ 13,151,000 | $ 170,792 | $ 138,000 |
| Montgomery, Texas | 72 | $ 18,430,000 | $ 255,972 | $ 150,000 |
| Tarrant, Texas | 38 | $ 5,788,000 | $ 152,315 | $ 100,000 |
| St. Louis, Missouri | 33 | $ 4,427,000 | $ 134,151 | $ 94,000 |
| Potter, Texas | 21 | $ 2,291,000 | $ 109,095 | $ 61,000 |
| Randall, Texas | 21 | $ 2,819,000 | $ 134,238 | $ 83,000 |
| Bexar, Texas | 19 | $ 3,476,000 | $ 182,947 | $ 90,000 |
| Dallas, Texas | 19 | $ 2,717,000 | $ 143,000 | $ 85,000 |
| Jefferson, Missouri | 18 | $ 2,509,000 | $ 139,388 | $ 85,000 |
| Matagorda, Texas | 12 | $ 1,538,000 | $ 128,166 | $ 81,000 |
| Travis, Texas | 11 | $ 2,791,000 | $ 253,727 | $ 237,000 |
| Williamson, Texas | 10 | $ 2,522,000 | $ 252,200 | $ 107,000 |
| Chambers, Texas | 8 | $ 1,695,000 | $ 211,875 | $ 102,000 |
| Waller, Texas | 8 | $ 1,312,000 | $ 164,000 | $ 105,000 |
| St. Louis City, Missouri | 7 | $ 838,000 | $ 119,714 | $ 76,000 |
| St. Charles, Missouri | 6 | $ 906,000 | $ 151,000 | $ 80,000 |
| Kerr, Texas | 6 | $ 763,000 | $ 127,166 | $ 106,000 |
| San Jacinto, Texas | 6 | $ 1,705,000 | $ 284,166 | $ 166,000 |
| Calcasieu, Louisiana | 5 | $ 795,000 | $ 159,000 | $ 72,000 |
| Gray, Texas | 5 | $ 425,000 | $ 85,000 | $ 142,000 |
| Liberty, Texas | 5 | $ 819,000 | $ 163,800 | $ 108,000 |
| Victoria, Texas | 5 | $ 829,000 | $ 165,800 | $ 183,000 |
| St. Clair, Illinois | 4 | $ 485,000 | $ 121,250 | $ 154,000 |
| Brazos, Texas | 4 | $ 707,000 | $ 176,750 | $ 123,000 |
| Hardin, Texas | 4 | $ 582,000 | $ 145,500 | $ 97,000 |
| Comal, Texas | 3 | $ 1,133,000 | $ 377,666 | $ 247,000 |
| Denton, Texas | 3 | $ 706,000 | $ 235,333 | $ 108,000 |
| Parker, Texas | 3 | $ 541,000 | $ 180,333 | $ 121,000 |
| Polk, Texas | 3 | $ 361,000 | $ 120,333 | $ 84,000 |
| Wharton, Texas | 3 | $ 347,000 | $ 115,666 | $ 73,000 |
| Monroe, Illinois | 2 | $ 633,000 | $ 316,500 | $ 143,000 |
| Jackson, Missouri | 2 | $ 240,000 | $ 120,000 | $ 127,000 |
| Perry, Missouri | 2 | $ 180,000 | $ 90,000 | $ 116,000 |
| Aransas, Texas | 2 | $ 567,000 | $ 283,500 | $ 315,000 |
| Bandera, Texas | 2 | $ 160,000 | $ 80,000 | $ 106,000 |
| Bell, Texas | 2 | $ 337,000 | $ 168,500 | $ 75,000 |
| Cameron, Texas | 2 | $ 180,000 | $ 90,000 | $ 86,000 |
| Ellis, Texas | 2 | $ 520,000 | $ 260,000 | $ 94,000 |
| Hood, Texas | 2 | $ 403,000 | $ 201,500 | $ 91,000 |
| Jasper, Texas | 2 | $ 174,000 | $ 87,000 | $ 55,000 |
| Live Oak, Texas | 2 | $ 426,000 | $ 213,000 | $ 72,000 |
| Lubbock, Texas | 2 | $ 327,000 | $ 163,500 | $ 111,000 |
| Nueces, Texas | 2 | $ 454,000 | $ 227,000 | $ 113,000 |
| Robertson, Texas | 2 | $ 303,000 | $ 151,500 | $ 154,000 |
| Smith, Texas | 2 | $ 261,000 | $ 130,500 | $ 59,000 |
| Walker, Texas | 2 | $ 183,000 | $ 91,500 | $ 96,000 |
| Cook, Illinois | 1 | $ 126,000 | $ 126,000 | $ 70,000 |
| DuPage, Illinois | 1 | $ 440,000 | $ 440,000 | $ 61,000 |
| Madison, Illinois | 1 | $ 120,000 | $ 120,000 | $ 18,000 |
| Menard, Illinois | 1 | $ 15,000 | $ 15,000 | $ 57,000 |
| Camden, Missouri | 1 | $ 251,000 | $ 251,000 | $ 110,000 |
| Greene, Missouri | 1 | $ 42,000 | $ 42,000 | $ 256,000 |
| Lafayette, Missouri | 1 | $ 338,000 | $ 338,000 | $ 131,000 |
| Carbon, Pennsylvania | 1 | $ 84,000 | $ 84,000 | $ 95,000 |
| Schuylkill, Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 87,000 |
| Anderson, Texas | 1 | $ 189,000 | $ 189,000 | $ 95,000 |
| Armstrong, Texas | 1 | $ 50,000 | $ 50,000 | $ 65,000 |
| Atascosa, Texas | 1 | $ 232,000 | $ 232,000 | $ 120,000 |
| Austin, Texas | 1 | $ 177,000 | $ 177,000 | $ 52,000 |
| Bastrop, Texas | 1 | $ 15,000 | $ 15,000 | $ 2,000 |
| Burnet, Texas | 1 | $ 500,000 | $ 500,000 | $ 225,000 |
| Calhoun, Texas | 1 | $ 218,000 | $ 218,000 | $ 270,000 |
| Collin, Texas | 1 | $ 176,000 | $ 176,000 | $ 66,000 |
| Colorado, Texas | 1 | $ 200,000 | $ 200,000 | $ 69,000 |
| Gregg, Texas | 1 | $ 72,000 | $ 72,000 | $ 22,000 |
| Grimes, Texas | 1 | $ 133,000 | $ 133,000 | $ 50,000 |
| Hamilton, Texas | 1 | $ 400,000 | $ 400,000 | $ 137,000 |
| Harrison, Texas | 1 | $ 104,000 | $ 104,000 | $ 74,000 |
| Hartley, Texas | 1 | $ 83,000 | $ 83,000 | $ 46,000 |
| Hays, Texas | 1 | $ 198,000 | $ 198,000 | $ 235,000 |
| Hill, Texas | 1 | $ 179,000 | $ 179,000 | $ 111,000 |
| Jackson, Texas | 1 | $ 63,000 | $ 63,000 | $ 84,000 |
| Newton, Texas | 1 | $ 155,000 | $ 155,000 | $ 90,000 |
| Swisher, Texas | 1 | $ 53,000 | $ 53,000 | $ 53,000 |
| Taylor, Texas | 1 | $ 227,000 | $ 227,000 | $ 63,000 |
| Tyler, Texas | 1 | $ 104,000 | $ 104,000 | $ 157,000 |
| Washington, Texas | 1 | $ 180,000 | $ 180,000 | $ 96,000 |
| Wise, Texas | 1 | $ 232,000 | $ 232,000 | $ 133,000 |
Mortgage Loan Application Detail Totals for Member Home Loan LLC in 2016
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 | 1,705 | $330,437,000 | $193,000 | $1,315,000 | $108,000 | $2,933,000 |
| Refinancing | 929 | $153,017,000 | $164,000 | $1,320,000 | $123,000 | $2,964,000 |
| Home Improvement | 116 | $14,160,000 | $122,000 | $440,000 | $107,000 | $630,000 |
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 | 1,095 | $207,148,000 | $189,000 | $1,284,000 | $121,000 | $2,933,000 |
| Hispanic | 531 | $75,947,000 | $143,000 | $1,200,000 | $97,000 | $2,344,000 |
| Not Provided | 447 | $79,265,000 | $177,000 | $1,320,000 | $111,000 | $2,964,000 |
| Black or African American | 421 | $71,639,000 | $170,000 | $838,000 | $108,000 | $2,160,000 |
| Asian | 232 | $59,193,000 | $255,000 | $1,140,000 | $126,000 | $667,000 |
| American Indian or Alaskan Native | 22 | $3,845,000 | $174,000 | $380,000 | $125,000 | $449,000 |
| Native Hawaiin or Other Pacific Islander | 2 | $577,000 | $288,000 | $497,000 | $126,000 | $199,000 |
| 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) | 2,576 | $470,420,000 | $182,000 | $1,320,000 | $116,000 | $2,964,000 |
| FHA-insured (Federal Housing Administration) | 151 | $23,049,000 | $152,000 | $329,000 | $71,000 | $218,000 |
| VA-guaranteed (Veterans Administration) | 22 | $4,079,000 | $185,000 | $337,000 | $83,000 | $179,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $66,000 | $66,000 | $66,000 | $36,000 | $36,000 |
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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 962 | $181,456,000 | $188,000 | $1,200,000 | $116,000 | $2,933,000 |
| Loan Originated | 722 | $154,705,000 | $214,000 | $1,320,000 | $137,000 | $1,449,000 |
| Application Denied By Financial Institution | 576 | $73,774,000 | $128,000 | $545,000 | $88,000 | $2,964,000 |
| File Closed For Incompleteness | 471 | $84,426,000 | $179,000 | $1,140,000 | $103,000 | $1,578,000 |
| Loan Purchased By The Institution | 17 | $3,083,000 | $181,000 | $416,000 | $104,000 | $182,000 |
| Preapproval Denied by Financial Institution | 2 | $170,000 | $85,000 | $98,000 | $29,000 | $37,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | 327 | $43,670,000 | $133,000 | $459,000 | $90,000 | $2,964,000 |
| Debt-To-Income Ratio | 110 | $17,302,000 | $157,000 | $427,000 | $57,000 | $168,000 |
| Other | 66 | $4,909,000 | $74,000 | $545,000 | $120,000 | $2,344,000 |
| Collateral | 33 | $3,813,000 | $115,000 | $468,000 | $119,000 | $1,010,000 |
| Unverifiable Information | 10 | $1,775,000 | $177,000 | $362,000 | $77,000 | $180,000 |
| Employment History | 3 | $467,000 | $155,000 | $235,000 | $59,000 | $70,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $319,000 | $106,000 | $132,000 | $41,000 | $46,000 |
| 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 Member Home Loan LLC's 2016 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 Member Home Loan LLC'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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