Earth Mortgage Mortgage Lending & HMDA Data, 2009

In 2009, Earth Mortgage of Carrollton, TX reported 740 mortgage applications totaling $145.4 million, down 8% from 2008. The average application was for $196,521, and applicants reported an average income of $96,232. 71% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Dallas-Plano-Irving, TX (251), Houston-Sugar Land-Baytown, TX (87) and Fort Worth-Arlington, TX (76) (applications in parentheses).

Mortgage Company & Address Earth Mortgage
2245 Keller Way
Carrollton, TX 75006
Tel #: available with data download
Federal Regulator * available with data download
Years 2009  2008  
Total Number of Mortgage Applications 740
Total Mortgage Loan Application Amount $145,426,000
Average Mortgage Loan Application Amount $196,521
Highest Mortgage Loan Application Amount $911,000
Average Applicant Income $96,232
Highest Applicant Income $1,079,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Earth Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Earth Mortgage by County in 2009

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Dallas, Texas 86 $ 18,544,000 $ 215,627 $ 97,000
Collin, Texas 75 $ 15,570,000 $ 207,600 $ 110,000
Denton, Texas 65 $ 12,908,000 $ 198,584 $ 93,000
Tarrant, Texas 65 $ 10,469,000 $ 161,061 $ 85,000
Harris, Texas 48 $ 10,142,000 $ 211,291 $ 125,000
Bexar, Texas 24 $ 4,259,000 $ 177,458 $ 78,000
El Paso, Texas 19 $ 2,534,000 $ 133,368 $ 73,000
Travis, Texas 14 $ 3,545,000 $ 253,214 $ 108,000
Cook, Illinois 11 $ 3,066,000 $ 278,727 $ 151,000
Galveston, Texas 11 $ 1,628,000 $ 148,000 $ 98,000
Kaufman, Texas 10 $ 2,040,000 $ 204,000 $ 106,000
Jefferson, Louisiana 9 $ 1,453,000 $ 161,444 $ 100,000
Williamson, Texas 9 $ 1,839,000 $ 204,333 $ 172,000
Fort Bend, Texas 8 $ 1,484,000 $ 185,500 $ 114,000
Montgomery, Texas 8 $ 1,716,000 $ 214,500 $ 81,000
Brazoria, Texas 7 $ 1,049,000 $ 149,857 $ 76,000
Ellis, Texas 7 $ 1,065,000 $ 152,142 $ 115,000
Rockwall, Texas 7 $ 1,239,000 $ 177,000 $ 73,000
Parker, Texas 6 $ 1,055,000 $ 175,833 $ 133,000
Bastrop, Texas 5 $ 614,000 $ 122,800 $ 38,000
Jefferson, Texas 5 $ 950,000 $ 190,000 $ 91,000
Smith, Texas 5 $ 661,000 $ 132,200 $ 64,000
Fairfield, Connecticut 4 $ 1,576,000 $ 394,000 $ 177,000
Marion, Indiana 4 $ 757,000 $ 189,250 $ 68,000
St. Tammany, Louisiana 4 $ 582,000 $ 145,500 $ 42,000
Comal, Texas 4 $ 790,000 $ 197,500 $ 83,000
Hidalgo, Texas 4 $ 512,000 $ 128,000 $ 86,000
McLennan, Texas 4 $ 721,000 $ 180,250 $ 298,000
Hartford, Connecticut 3 $ 651,000 $ 217,000 $ 117,000
Will, Illinois 3 $ 644,000 $ 214,666 $ 80,000
Livingston, Louisiana 3 $ 420,000 $ 140,000 $ 71,000
Orleans, Louisiana 3 $ 944,000 $ 314,666 $ 301,000
Lorain, Ohio 3 $ 656,000 $ 218,666 $ 116,000
Aransas, Texas 3 $ 509,000 $ 169,666 $ 93,000
Bowie, Texas 3 $ 387,000 $ 129,000 $ 73,000
Gregg, Texas 3 $ 542,000 $ 180,666 $ 60,000
Nueces, Texas 3 $ 664,000 $ 221,333 $ 72,000
Taylor, Texas 3 $ 805,000 $ 268,333 $ 159,000
Wise, Texas 3 $ 507,000 $ 169,000 $ 44,000
Windham, Connecticut 2 $ 470,000 $ 235,000 $ 47,000
Volusia, Florida 2 $ 298,000 $ 149,000 $ 48,000
McHenry, Illinois 2 $ 378,000 $ 189,000 $ 84,000
Peoria, Illinois 2 $ 282,000 $ 141,000 $ 70,000
Clark, Indiana 2 $ 404,000 $ 202,000 $ 55,000
Elkhart, Indiana 2 $ 487,000 $ 243,500 $ 169,000
Hamilton, Indiana 2 $ 932,000 $ 466,000 $ 169,000
East Baton Rouge, Louisiana 2 $ 327,000 $ 163,500 $ 44,000
Grant, Louisiana 2 $ 421,000 $ 210,500 $ 30,000
Iberia, Louisiana 2 $ 546,000 $ 273,000 $ 16,000
Lafayette, Louisiana 2 $ 466,000 $ 233,000 $ 103,000
Anne Arundel, Maryland 2 $ 626,000 $ 313,000 $ 110,000
Plymouth, Massachusetts 2 $ 697,000 $ 348,500 $ 88,000
Oakland, Michigan 2 $ 529,000 $ 264,500 $ 100,000
Hillsborough, New Hampshire 2 $ 533,000 $ 266,500 $ 140,000
Dona Ana, New Mexico 2 $ 268,000 $ 134,000 $ 0
Cuyahoga, Ohio 2 $ 491,000 $ 245,500 $ 91,000
Hamilton, Tennessee 2 $ 265,000 $ 132,500 $ 87,000
Anderson, Texas 2 $ 330,000 $ 165,000 $ 73,000
Austin, Texas 2 $ 319,000 $ 159,500 $ 92,000
Bandera, Texas 2 $ 657,000 $ 328,500 $ 99,000
Chambers, Texas 2 $ 239,000 $ 119,500 $ 59,000
Cooke, Texas 2 $ 210,000 $ 105,000 $ 17,000
Grayson, Texas 2 $ 284,000 $ 142,000 $ 78,000
Guadalupe, Texas 2 $ 286,000 $ 143,000 $ 64,000
Henderson, Texas 2 $ 385,000 $ 192,500 $ 98,000
Johnson, Texas 2 $ 190,000 $ 95,000 $ 39,000
Kendall, Texas 2 $ 381,000 $ 190,500 $ 106,000
Montague, Texas 2 $ 398,000 $ 199,000 $ 42,000
Randall, Texas 2 $ 267,000 $ 133,500 $ 114,000
Rusk, Texas 2 $ 375,000 $ 187,500 $ 93,000
Webb, Texas 2 $ 542,000 $ 271,000 $ 161,000
Los Angeles, California 1 $ 502,000 $ 502,000 $ 320,000
Siskiyou, California 1 $ 417,000 $ 417,000 $ 183,000
Tulare, California 1 $ 117,000 $ 117,000 $ 106,000
Boulder, Colorado 1 $ 417,000 $ 417,000 $ 207,000
Denver, Colorado 1 $ 238,000 $ 238,000 $ 109,000
Jefferson, Colorado 1 $ 279,000 $ 279,000 $ 175,000
Kit Carson, Colorado 1 $ 133,000 $ 133,000 $ 72,000
New Haven, Connecticut 1 $ 176,000 $ 176,000 $ 63,000
New London, Connecticut 1 $ 304,000 $ 304,000 $ 133,000
Broward, Florida 1 $ 153,000 $ 153,000 $ 64,000
Clay, Florida 1 $ 216,000 $ 216,000 $ 0
Hillsborough, Florida 1 $ 146,000 $ 146,000 $ 27,000
Palm Beach, Florida 1 $ 132,000 $ 132,000 $ 42,000
St. Lucie, Florida 1 $ 93,000 $ 93,000 $ 61,000
Gallatin, Illinois 1 $ 150,000 $ 150,000 $ 81,000
Jo Daviess, Illinois 1 $ 742,000 $ 742,000 $ 145,000
Lake, Illinois 1 $ 319,000 $ 319,000 $ 212,000
Madison, Illinois 1 $ 176,000 $ 176,000 $ 81,000
Perry, Illinois 1 $ 238,000 $ 238,000 $ 98,000
St. Clair, Illinois 1 $ 161,000 $ 161,000 $ 135,000
Woodford, Illinois 1 $ 119,000 $ 119,000 $ 69,000
Clinton, Indiana 1 $ 72,000 $ 72,000 $ 52,000
Grant, Indiana 1 $ 126,000 $ 126,000 $ 77,000
Jackson, Indiana 1 $ 205,000 $ 205,000 $ 0
Owen, Indiana 1 $ 169,000 $ 169,000 $ 65,000
Porter, Indiana 1 $ 114,000 $ 114,000 $ 0
Wabash, Indiana 1 $ 62,000 $ 62,000 $ 36,000
Jasper, Iowa 1 $ 140,000 $ 140,000 $ 0
Ascension, Louisiana 1 $ 141,000 $ 141,000 $ 0
Caddo, Louisiana 1 $ 111,000 $ 111,000 $ 61,000
Calcasieu, Louisiana 1 $ 192,000 $ 192,000 $ 152,000
St. Charles, Louisiana 1 $ 244,000 $ 244,000 $ 91,000
St. Helena, Louisiana 1 $ 116,000 $ 116,000 $ 43,000
Webster, Louisiana 1 $ 215,000 $ 215,000 $ 73,000
Lincoln, Maine 1 $ 193,000 $ 193,000 $ 106,000
Allegany, Maryland 1 $ 79,000 $ 79,000 $ 39,000
Baltimore City, Maryland 1 $ 157,000 $ 157,000 $ 39,000
Frederick, Maryland 1 $ 133,000 $ 133,000 $ 52,000
St. Mary's, Maryland 1 $ 222,000 $ 222,000 $ 120,000
Essex, Massachusetts 1 $ 200,000 $ 200,000 $ 127,000
Middlesex, Massachusetts 1 $ 246,000 $ 246,000 $ 115,000
Worcester, Massachusetts 1 $ 280,000 $ 280,000 $ 133,000
Genesee, Michigan 1 $ 182,000 $ 182,000 $ 38,000
Monroe, Michigan 1 $ 147,000 $ 147,000 $ 58,000
Roscommon, Michigan 1 $ 92,000 $ 92,000 $ 58,000
Sanilac, Michigan 1 $ 261,000 $ 261,000 $ 67,000
Tuscola, Michigan 1 $ 123,000 $ 123,000 $ 38,000
Washtenaw, Michigan 1 $ 215,000 $ 215,000 $ 86,000
Wayne, Michigan 1 $ 167,000 $ 167,000 $ 87,000
Hennepin, Minnesota 1 $ 136,000 $ 136,000 $ 79,000
Washington, Minnesota 1 $ 417,000 $ 417,000 $ 212,000
Belknap, New Hampshire 1 $ 417,000 $ 417,000 $ 134,000
Carroll, New Hampshire 1 $ 333,000 $ 333,000 $ 137,000
Rockingham, New Hampshire 1 $ 403,000 $ 403,000 $ 0
Bernalillo, New Mexico 1 $ 168,000 $ 168,000 $ 58,000
Catron, New Mexico 1 $ 161,000 $ 161,000 $ 46,000
Lincoln, New Mexico 1 $ 240,000 $ 240,000 $ 260,000
Luna, New Mexico 1 $ 195,000 $ 195,000 $ 65,000
McKinley, New Mexico 1 $ 120,000 $ 120,000 $ 84,000
Rio Arriba, New Mexico 1 $ 96,000 $ 96,000 $ 81,000
San Juan, New Mexico 1 $ 157,000 $ 157,000 $ 54,000
Sandoval, New Mexico 1 $ 143,000 $ 143,000 $ 47,000
Santa Fe, New Mexico 1 $ 328,000 $ 328,000 $ 137,000
Taos, New Mexico 1 $ 156,000 $ 156,000 $ 61,000
Hamilton, Ohio 1 $ 98,000 $ 98,000 $ 45,000
Knox, Ohio 1 $ 270,000 $ 270,000 $ 222,000
Madison, Ohio 1 $ 188,000 $ 188,000 $ 86,000
Summit, Ohio 1 $ 172,000 $ 172,000 $ 53,000
Trumbull, Ohio 1 $ 104,000 $ 104,000 $ 52,000
Edgefield, South Carolina 1 $ 312,000 $ 312,000 $ 107,000
Horry, South Carolina 1 $ 95,000 $ 95,000 $ 162,000
Lancaster, South Carolina 1 $ 155,000 $ 155,000 $ 26,000
Cheatham, Tennessee 1 $ 360,000 $ 360,000 $ 111,000
Coffee, Tennessee 1 $ 177,000 $ 177,000 $ 85,000
Davidson, Tennessee 1 $ 173,000 $ 173,000 $ 58,000
Jefferson, Tennessee 1 $ 154,000 $ 154,000 $ 63,000
Knox, Tennessee 1 $ 210,000 $ 210,000 $ 0
Angelina, Texas 1 $ 223,000 $ 223,000 $ 57,000
Bosque, Texas 1 $ 160,000 $ 160,000 $ 83,000
Burnet, Texas 1 $ 377,000 $ 377,000 $ 146,000
Cameron, Texas 1 $ 133,000 $ 133,000 $ 92,000
Camp, Texas 1 $ 174,000 $ 174,000 $ 69,000
Cass, Texas 1 $ 127,000 $ 127,000 $ 38,000
Fannin, Texas 1 $ 140,000 $ 140,000 $ 85,000
Fayette, Texas 1 $ 152,000 $ 152,000 $ 0
Franklin, Texas 1 $ 137,000 $ 137,000 $ 60,000
Gillespie, Texas 1 $ 191,000 $ 191,000 $ 93,000
Harrison, Texas 1 $ 148,000 $ 148,000 $ 37,000
Hopkins, Texas 1 $ 91,000 $ 91,000 $ 50,000
Hunt, Texas 1 $ 128,000 $ 128,000 $ 43,000
Kerr, Texas 1 $ 94,000 $ 94,000 $ 78,000
Lampasas, Texas 1 $ 152,000 $ 152,000 $ 0
Liberty, Texas 1 $ 120,000 $ 120,000 $ 36,000
Lubbock, Texas 1 $ 112,000 $ 112,000 $ 0
Matagorda, Texas 1 $ 221,000 $ 221,000 $ 94,000
Midland, Texas 1 $ 164,000 $ 164,000 $ 111,000
Moore, Texas 1 $ 166,000 $ 166,000 $ 104,000
Orange, Texas 1 $ 84,000 $ 84,000 $ 73,000
Palo Pinto, Texas 1 $ 123,000 $ 123,000 $ 65,000
Rains, Texas 1 $ 108,000 $ 108,000 $ 0
Robertson, Texas 1 $ 262,000 $ 262,000 $ 110,000
Shackelford, Texas 1 $ 112,000 $ 112,000 $ 86,000
Upshur, Texas 1 $ 177,000 $ 177,000 $ 116,000
Uvalde, Texas 1 $ 328,000 $ 328,000 $ 53,000
Wichita, Texas 1 $ 216,000 $ 216,000 $ 82,000
Wilbarger, Texas 1 $ 194,000 $ 194,000 $ 139,000
Wilson, Texas 1 $ 196,000 $ 196,000 $ 0
Young, Texas 1 $ 104,000 $ 104,000 $ 42,000
Utah, Utah 1 $ 218,000 $ 218,000 $ 0
Chesterfield, Virginia 1 $ 199,000 $ 199,000 $ 90,000
Fairfax, Virginia 1 $ 417,000 $ 417,000 $ 119,000
Floyd, Virginia 1 $ 107,000 $ 107,000 $ 0
Norfolk, Virginia 1 $ 289,000 $ 289,000 $ 156,000
Shenandoah, Virginia 1 $ 220,000 $ 220,000 $ 44,000
Snohomish, Washington 1 $ 312,000 $ 312,000 $ 85,000

Mortgage Loan Application Detail Totals for Earth Mortgage in 2009

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 631 $127,381,000 $201,000 $911,000 $98,000 $1,079,000
Home Purchase 109 $18,045,000 $165,000 $735,000 $86,000 $600,000
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 538 $109,504,000 $203,000 $911,000 $103,000 $1,079,000
Hispanic 75 $12,140,000 $161,000 $417,000 $69,000 $190,000
Black or African American 67 $11,580,000 $172,000 $417,000 $77,000 $347,000
Not Provided 28 $4,882,000 $174,000 $387,000 $74,000 $301,000
Asian 22 $5,282,000 $240,000 $723,000 $102,000 $247,000
American Indian or Alaskan Native 6 $1,390,000 $231,000 $640,000 $201,000 $756,000
Native Hawaiian or Other Pacific Islander 4 $648,000 $162,000 $261,000 $74,000 $94,000
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) 423 $92,885,000 $219,000 $911,000 $126,000 $1,079,000
FHA-insured (Federal Housing Administration) 288 $47,459,000 $164,000 $506,000 $59,000 $242,000
VA-guaranteed (Veterans Administration) 26 $4,688,000 $180,000 $397,000 $30,000 $98,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 3 $394,000 $131,000 $173,000 $53,000 $65,000

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 Originated 522 $100,806,000 $193,000 $735,000 $97,000 $756,000
Application Withdrawn By Applicant 193 $39,801,000 $206,000 $911,000 $95,000 $1,079,000
Application Denied By Financial Institution 25 $4,819,000 $192,000 $417,000 $91,000 $221,000
Application Approved But Not Accepted 0 $0 $0 $0 $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
Collateral 7 $1,646,000 $235,000 $417,000 $90,000 $183,000
Credit History 7 $1,212,000 $173,000 $223,000 $87,000 $153,000
Other 3 $386,000 $128,000 $159,000 $47,000 $66,000
Insufficient Cash (Downpayment, Closing Cost) 2 $381,000 $190,000 $193,000 $96,000 $103,000
Unverifiable Information 1 $214,000 $214,000 $214,000 $62,000 $62,000
Debt-To-Income Ratio 1 $187,000 $187,000 $187,000 $45,000 $45,000
Employment History 1 $142,000 $142,000 $142,000 $84,000 $84,000
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 Earth Mortgage's 2009 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 Earth Mortgage'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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