Dac Retail, LLC Mortgage Lending & HMDA Data, 2020
In 2020, Dac Retail, LLC of Dallas, TX reported 72 mortgage applications totaling $11.9 million, down 52% from 2019. The average application was for $165,000, and applicants reported an average income of $0. 38% of its applications resulted in an originated loan and 38% were denied. Its largest markets were Chicago-Naperville, IL (13), Atlanta-Sandy Springs-Roswell, GA (8) and Anchorage, AK (4) (applications in parentheses).
| Mortgage Company & Address | Dac Retail, LLC 8235 Douglas Ave # 900 Dallas, TX 75201 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2020 2019 |
| Total Number of Mortgage Applications | 72 |
| Total Mortgage Loan Application Amount | $11,880,000 |
| Average Mortgage Loan Application Amount | $165,000 |
| Highest Mortgage Loan Application Amount | $645,000 |
| Average Applicant Income | $0 |
| Highest Applicant Income | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Dac Retail, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Cook, Illinois | 11 | $ 1,925,000 | $ 175,000 | $ 0 |
| Fulton, Georgia | 7 | $ 1,025,000 | $ 146,428 | $ 0 |
| Anchorage, Alaska | 4 | $ 820,000 | $ 205,000 | $ 0 |
| Marion, Indiana | 3 | $ 245,000 | $ 81,666 | $ 0 |
| Sedgwick, Kansas | 3 | $ 375,000 | $ 125,000 | $ 0 |
| Baltimore City, Maryland | 2 | $ 210,000 | $ 105,000 | $ 0 |
| Kent, Michigan | 2 | $ 330,000 | $ 165,000 | $ 0 |
| Cumberland, North Carolina | 2 | $ 150,000 | $ 75,000 | $ 0 |
| Mobile, Alabama | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Benton, Arkansas | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Pulaski, Arkansas | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Sebastian, Arkansas | 1 | $ 175,000 | $ 175,000 | $ 0 |
| San Bernardino, California | 1 | $ 645,000 | $ 645,000 | $ 0 |
| New Castle, Delaware | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Bay, Florida | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Lee, Florida | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Seminole, Florida | 1 | $ 315,000 | $ 315,000 | $ 0 |
| DeKalb, Georgia | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Honolulu, Hawaii | 1 | $ 525,000 | $ 525,000 | $ 0 |
| Latah, Idaho | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Grundy, Illinois | 1 | $ 455,000 | $ 455,000 | $ 0 |
| St. Clair, Illinois | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Will, Illinois | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Lake, Indiana | 1 | $ 105,000 | $ 105,000 | $ 0 |
| LaPorte, Indiana | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Shelby, Indiana | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Johnson, Kansas | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Howard, Maryland | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Wicomico, Maryland | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Wayne, Michigan | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Mille Lacs, Minnesota | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Jackson, Missouri | 1 | $ 275,000 | $ 275,000 | $ 0 |
| St. Louis City, Missouri | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Cheshire, New Hampshire | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Essex, New Jersey | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Warren, New Jersey | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Broome, New York | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Cabarrus, North Carolina | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Pender, North Carolina | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Rowan, North Carolina | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Cuyahoga, Ohio | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Tulsa, Oklahoma | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Allegheny, Pennsylvania | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Greenville, South Carolina | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Horry, South Carolina | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Milwaukee, Wisconsin | 1 | $ 195,000 | $ 195,000 | $ 0 |
Mortgage Loan Application Detail Totals for Dac Retail, LLC in 2020
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 | 31 | $5,235,000 | $168,000 | $645,000 | $0 | $0 |
| Cash-out Refinancing | 20 | $3,510,000 | $175,000 | $525,000 | $0 | $0 |
| Home Improvement | 20 | $3,050,000 | $152,000 | $315,000 | $0 | $0 |
| Refinancing | 1 | $85,000 | $85,000 | $85,000 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 |
|---|---|---|---|---|---|---|
| Black or African American | 33 | $5,035,000 | $152,000 | $525,000 | $0 | $0 |
| White | 25 | $4,895,000 | $195,000 | $645,000 | $0 | $0 |
| Not Provided | 8 | $1,090,000 | $136,000 | $195,000 | $0 | $0 |
| American Indian or Alaskan Native | 2 | $240,000 | $120,000 | $165,000 | $0 | $0 |
| Hispanic | 2 | $290,000 | $145,000 | $195,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 1 | $95,000 | $95,000 | $95,000 | $0 | $0 |
| Asian | 1 | $235,000 | $235,000 | $235,000 | $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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 72 | $11,880,000 | $165,000 | $645,000 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 27 | $3,345,000 | $123,000 | $245,000 | $0 | $0 |
| Application Denied By Financial Institution | 27 | $4,695,000 | $173,000 | $525,000 | $0 | $0 |
| Application Withdrawn By Applicant | 17 | $3,585,000 | $210,000 | $645,000 | $0 | $0 |
| Application Approved But Not Accepted | 1 | $255,000 | $255,000 | $255,000 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 45 | $7,185,000 | $159,000 | $645,000 | $0 | $0 |
| Other | 8 | $1,530,000 | $191,000 | $525,000 | $0 | $0 |
| Collateral | 8 | $1,400,000 | $175,000 | $255,000 | $0 | $0 |
| Credit History | 5 | $875,000 | $175,000 | $245,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $520,000 | $130,000 | $185,000 | $0 | $0 |
| Unverifiable Information | 2 | $370,000 | $185,000 | $275,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Dac Retail, LLC's 2020 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 Dac Retail, 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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