Member Home Loan LLC Mortgage Lending & HMDA Data, 2011

In 2011, Member Home Loan LLC of Houston, TX reported 2,786 mortgage applications totaling $358.0 million, up 51% from 2010. The average application was for $128,502, and applicants reported an average income of $88,630. 28% of its applications resulted in an originated loan and 44% were denied. Its largest markets were Houston-Sugar Land-Baytown, TX (1,749), Dallas-Plano-Irving, TX (153) and Amarillo, TX (86) (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 2,786
Total Mortgage Loan Application Amount $358,009,000
Average Mortgage Loan Application Amount $128,502
Highest Mortgage Loan Application Amount $2,355,000
Average Applicant Income $88,630
Highest Applicant Income $8,565,000

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Act (HMDA) records Member Home Loan LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Member Home Loan LLC by County in 2011

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Harris, Texas 1,275 $ 161,838,000 $ 126,931 $ 85,000
Fort Bend, Texas 255 $ 44,924,000 $ 176,172 $ 111,000
Dallas, Texas 123 $ 12,579,000 $ 102,268 $ 67,000
Montgomery, Texas 107 $ 17,280,000 $ 161,495 $ 114,000
Brazoria, Texas 58 $ 7,938,000 $ 136,862 $ 102,000
Potter, Texas 48 $ 4,923,000 $ 102,562 $ 45,000
Randall, Texas 37 $ 4,501,000 $ 121,648 $ 61,000
Luzerne, Pennsylvania 27 $ 2,999,000 $ 111,074 $ 70,000
Galveston, Texas 19 $ 2,617,000 $ 137,736 $ 144,000
Hardin, Texas 16 $ 1,719,000 $ 107,437 $ 75,000
Waller, Texas 16 $ 2,182,000 $ 136,375 $ 78,000
Jasper, Texas 15 $ 1,699,000 $ 113,266 $ 89,000
Victoria, Texas 15 $ 1,508,000 $ 100,533 $ 67,000
Matagorda, Texas 13 $ 1,137,000 $ 87,461 $ 75,000
Tarrant, Texas 11 $ 1,079,000 $ 98,090 $ 69,000
Denton, Texas 9 $ 1,366,000 $ 151,777 $ 120,000
Gray, Texas 9 $ 746,000 $ 82,888 $ 48,000
Liberty, Texas 9 $ 678,000 $ 75,333 $ 64,000
Collin, Texas 8 $ 1,402,000 $ 175,250 $ 72,000
Tom Green, Texas 8 $ 764,000 $ 95,500 $ 68,000
Travis, Texas 8 $ 1,427,000 $ 178,375 $ 178,000
Brazos, Texas 7 $ 804,000 $ 114,857 $ 148,000
Comal, Texas 6 $ 1,407,000 $ 234,500 $ 151,000
Polk, Texas 6 $ 737,000 $ 122,833 $ 194,000
Cuyahoga, Ohio 4 $ 345,000 $ 86,250 $ 42,000
Lorain, Ohio 4 $ 413,000 $ 103,250 $ 93,000
Chambers, Texas 4 $ 518,000 $ 129,500 $ 80,000
Cochran, Texas 4 $ 322,000 $ 80,500 $ 46,000
Ellis, Texas 4 $ 964,000 $ 241,000 $ 81,000
Kaufman, Texas 4 $ 481,000 $ 120,250 $ 76,000
Lubbock, Texas 4 $ 307,000 $ 76,750 $ 123,000
Williamson, Texas 4 $ 563,000 $ 140,750 $ 80,000
Austin, Texas 3 $ 330,000 $ 110,000 $ 50,000
Bexar, Texas 3 $ 403,000 $ 134,333 $ 73,000
Burnet, Texas 3 $ 453,000 $ 151,000 $ 403,000
Jefferson, Texas 3 $ 280,000 $ 93,333 $ 59,000
Midland, Texas 3 $ 390,000 $ 130,000 $ 85,000
Orange, Texas 3 $ 239,000 $ 79,666 $ 66,000
Rockwall, Texas 3 $ 497,000 $ 165,666 $ 84,000
San Jacinto, Texas 3 $ 287,000 $ 95,666 $ 83,000
Calcasieu, Louisiana 2 $ 132,000 $ 66,000 $ 61,000
Allegheny, Pennsylvania 2 $ 418,000 $ 209,000 $ 190,000
Bell, Texas 2 $ 74,000 $ 37,000 $ 68,000
Cameron, Texas 2 $ 223,000 $ 111,500 $ 41,000
Collingsworth, Texas 2 $ 206,000 $ 103,000 $ 57,000
Hartley, Texas 2 $ 147,000 $ 73,500 $ 38,000
Hays, Texas 2 $ 174,000 $ 87,000 $ 64,000
Houston, Texas 2 $ 138,000 $ 69,000 $ 192,000
Hunt, Texas 2 $ 120,000 $ 60,000 $ 34,000
Sabine, Texas 2 $ 163,000 $ 81,500 $ 105,000
Trinity, Texas 2 $ 263,000 $ 131,500 $ 121,000
Miller, Arkansas 1 $ 51,000 $ 51,000 $ 86,000
Hillsborough, Florida 1 $ 185,000 $ 185,000 $ 355,000
Sabine, Louisiana 1 $ 45,000 $ 45,000 $ 153,000
Buncombe, North Carolina 1 $ 67,000 $ 67,000 $ 67,000
Onslow, North Carolina 1 $ 194,000 $ 194,000 $ 300,000
Erie, Ohio 1 $ 109,000 $ 109,000 $ 50,000
Geauga, Ohio 1 $ 162,000 $ 162,000 $ 90,000
Huron, Ohio 1 $ 123,000 $ 123,000 $ 102,000
Tulsa, Oklahoma 1 $ 196,000 $ 196,000 $ 91,000
Lackawanna, Pennsylvania 1 $ 90,000 $ 90,000 $ 48,000
Monroe, Pennsylvania 1 $ 241,000 $ 241,000 $ 80,000
Wyoming, Pennsylvania 1 $ 95,000 $ 95,000 $ 104,000
Anderson, Texas 1 $ 65,000 $ 65,000 $ 80,000
Angelina, Texas 1 $ 221,000 $ 221,000 $ 86,000
Blanco, Texas 1 $ 195,000 $ 195,000 $ 124,000
Calhoun, Texas 1 $ 143,000 $ 143,000 $ 123,000
Carson, Texas 1 $ 15,000 $ 15,000 $ 29,000
Cherokee, Texas 1 $ 185,000 $ 185,000 $ 186,000
Colorado, Texas 1 $ 113,000 $ 113,000 $ 99,000
Comanche, Texas 1 $ 64,000 $ 64,000 $ 35,000
Cooke, Texas 1 $ 199,000 $ 199,000 $ 0
Cottle, Texas 1 $ 65,000 $ 65,000 $ 52,000
Donley, Texas 1 $ 51,000 $ 51,000 $ 31,000
Freestone, Texas 1 $ 54,000 $ 54,000 $ 37,000
Garza, Texas 1 $ 160,000 $ 160,000 $ 0
Gillespie, Texas 1 $ 103,000 $ 103,000 $ 85,000
Goliad, Texas 1 $ 63,000 $ 63,000 $ 67,000
Gonzales, Texas 1 $ 281,000 $ 281,000 $ 236,000
Gregg, Texas 1 $ 271,000 $ 271,000 $ 70,000
Grimes, Texas 1 $ 402,000 $ 402,000 $ 373,000
Guadalupe, Texas 1 $ 86,000 $ 86,000 $ 102,000
Hardeman, Texas 1 $ 126,000 $ 126,000 $ 80,000
Harrison, Texas 1 $ 75,000 $ 75,000 $ 111,000
Hidalgo, Texas 1 $ 110,000 $ 110,000 $ 95,000
Hood, Texas 1 $ 61,000 $ 61,000 $ 221,000
Jackson, Texas 1 $ 46,000 $ 46,000 $ 109,000
Johnson, Texas 1 $ 120,000 $ 120,000 $ 62,000
Kleberg, Texas 1 $ 63,000 $ 63,000 $ 78,000
Leon, Texas 1 $ 75,000 $ 75,000 $ 101,000
Live Oak, Texas 1 $ 148,000 $ 148,000 $ 94,000
Llano, Texas 1 $ 72,000 $ 72,000 $ 36,000
McCulloch, Texas 1 $ 57,000 $ 57,000 $ 18,000
Nacogdoches, Texas 1 $ 124,000 $ 124,000 $ 71,000
Navarro, Texas 1 $ 40,000 $ 40,000 $ 30,000
Newton, Texas 1 $ 50,000 $ 50,000 $ 75,000
Nueces, Texas 1 $ 157,000 $ 157,000 $ 64,000
Ochiltree, Texas 1 $ 122,000 $ 122,000 $ 42,000
Panola, Texas 1 $ 87,000 $ 87,000 $ 107,000
Tyler, Texas 1 $ 100,000 $ 100,000 $ 121,000
Walker, Texas 1 $ 126,000 $ 126,000 $ 105,000
Washington, Texas 1 $ 64,000 $ 64,000 $ 85,000
Wharton, Texas 1 $ 73,000 $ 73,000 $ 48,000
Willacy, Texas 1 $ 58,000 $ 58,000 $ 30,000
Wise, Texas 1 $ 116,000 $ 116,000 $ 60,000

Mortgage Loan Application Detail Totals for Member Home Loan LLC in 2011

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 1,739 $216,612,000 $124,000 $2,355,000 $86,000 $8,565,000
Refinancing 1,047 $141,397,000 $135,000 $920,000 $93,000 $1,450,000
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
Not Provided 1,218 $140,795,000 $115,000 $2,355,000 $70,000 $1,450,000
White 891 $129,559,000 $145,000 $1,120,000 $106,000 $1,000,000
Hispanic 357 $42,215,000 $118,000 $585,000 $103,000 $8,565,000
Black or African American 188 $23,215,000 $123,000 $551,000 $81,000 $660,000
Asian 122 $20,642,000 $169,000 $920,000 $106,000 $450,000
Native Hawaiian or Other Pacific Islander 7 $1,081,000 $154,000 $230,000 $125,000 $439,000
American Indian or Alaskan Native 3 $502,000 $167,000 $215,000 $146,000 $268,000
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) 2,637 $341,150,000 $129,000 $2,355,000 $90,000 $8,565,000
FHA-insured (Federal Housing Administration) 136 $15,199,000 $111,000 $274,000 $58,000 $170,000
VA-guaranteed (Veterans Administration) 8 $1,169,000 $146,000 $330,000 $79,000 $167,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 5 $491,000 $98,000 $207,000 $43,000 $61,000

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 Denied By Financial Institution 1,236 $135,890,000 $109,000 $1,120,000 $68,000 $8,565,000
Loan Originated 793 $117,715,000 $148,000 $920,000 $111,000 $1,000,000
Application Withdrawn By Applicant 711 $99,007,000 $139,000 $2,355,000 $99,000 $1,450,000
File Closed For Incompleteness 34 $4,217,000 $124,000 $288,000 $85,000 $286,000
Application Approved But Not Accepted 11 $1,005,000 $91,000 $164,000 $41,000 $70,000
Preapproval Approved but not Accepted 1 $175,000 $175,000 $175,000 $82,000 $82,000
Preapproval Denied by Financial Institution 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 309 $34,513,000 $111,000 $398,000 $60,000 $280,000
Other 56 $6,869,000 $122,000 $560,000 $212,000 $8,565,000
Collateral 48 $4,910,000 $102,000 $222,000 $53,000 $215,000
Debt-To-Income Ratio 43 $5,337,000 $124,000 $323,000 $72,000 $300,000
Insufficient Cash (Downpayment, Closing Cost) 34 $4,056,000 $119,000 $274,000 $69,000 $160,000
Unverifiable Information 27 $2,553,000 $94,000 $253,000 $52,000 $144,000
Employment History 7 $708,000 $101,000 $193,000 $47,000 $107,000
Credit Application Incomplete 3 $365,000 $121,000 $130,000 $28,000 $48,000
Mortgage Insurance Denied 1 $50,000 $50,000 $50,000 $12,000 $12,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Member Home Loan LLC's 2011 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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