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Act (HMDA) records Earth Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Dallas-Plano-Irving, TX | 251 | $ 51,494,000 | $ 205,155 | $ 100,000 |
| Houston-Sugar Land-Baytown, TX | 87 | $ 16,697,000 | $ 191,919 | $ 109,000 |
| Fort Worth-Arlington, TX | 76 | $ 12,221,000 | $ 160,802 | $ 86,000 |
| San Antonio, TX | 35 | $ 6,569,000 | $ 187,685 | $ 78,000 |
| Austin-Round Rock, TX | 28 | $ 5,998,000 | $ 214,214 | $ 116,000 |
| El Paso, TX | 19 | $ 2,534,000 | $ 133,368 | $ 73,000 |
| New Orleans-Metairie-Kenner, LA | 17 | $ 3,223,000 | $ 189,588 | $ 121,000 |
| Chicago-Naperville-Joliet, IL | 16 | $ 4,088,000 | $ 255,500 | $ 130,000 |
| Baton Rouge, LA | 7 | $ 1,004,000 | $ 143,428 | $ 49,000 |
| Beaumont-Port Arthur, TX | 6 | $ 1,034,000 | $ 172,333 | $ 88,000 |
| Corpus Christi, TX | 6 | $ 1,173,000 | $ 195,500 | $ 82,000 |
| Indianapolis-Carmel, IN | 6 | $ 1,689,000 | $ 281,500 | $ 102,000 |
| Longview, TX | 6 | $ 1,094,000 | $ 182,333 | $ 80,000 |
| Cleveland-Elyria-Mentor, OH | 5 | $ 1,147,000 | $ 229,400 | $ 106,000 |
| Tyler, TX | 5 | $ 661,000 | $ 132,200 | $ 64,000 |
| Bridgeport-Stamford-Norwalk, CT | 4 | $ 1,576,000 | $ 394,000 | $ 177,000 |
| McAllen-Edinburg-Mission, TX | 4 | $ 512,000 | $ 128,000 | $ 86,000 |
| Waco, TX | 4 | $ 721,000 | $ 180,250 | $ 298,000 |
| Abilene, TX | 3 | $ 805,000 | $ 268,333 | $ 159,000 |
| Baltimore-Towson, MD | 3 | $ 783,000 | $ 261,000 | $ 86,000 |
| Hartford-West Hartford-East Hartford, CT | 3 | $ 651,000 | $ 217,000 | $ 117,000 |
| Peoria, IL | 3 | $ 401,000 | $ 133,666 | $ 70,000 |
| Texarkana, Tx-Texarkana, AR | 3 | $ 387,000 | $ 129,000 | $ 73,000 |
| Albuquerque, NM | 2 | $ 311,000 | $ 155,500 | $ 52,000 |
| Alexandria, LA | 2 | $ 421,000 | $ 210,500 | $ 30,000 |
| Amarillo, TX | 2 | $ 267,000 | $ 133,500 | $ 114,000 |
| Boston-Quincy, MA | 2 | $ 697,000 | $ 348,500 | $ 88,000 |
| Chattanooga, TN-GA | 2 | $ 265,000 | $ 132,500 | $ 87,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 298,000 | $ 149,000 | $ 48,000 |
| Denver-Aurora-Broomfield, CO | 2 | $ 517,000 | $ 258,500 | $ 142,000 |
| Elkhart-Goshen, IN | 2 | $ 487,000 | $ 243,500 | $ 169,000 |
| Lafayette, LA | 2 | $ 466,000 | $ 233,000 | $ 103,000 |
| Laredo, TX | 2 | $ 542,000 | $ 271,000 | $ 161,000 |
| Las Cruces, NM | 2 | $ 268,000 | $ 134,000 | $ 0 |
| Louisville-Jefferson County, KY-IN | 2 | $ 404,000 | $ 202,000 | $ 55,000 |
| Manchester-Nashua, NH | 2 | $ 533,000 | $ 266,500 | $ 140,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 553,000 | $ 276,500 | $ 145,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 533,000 | $ 266,500 | $ 84,000 |
| Sherman-Denison, TX | 2 | $ 284,000 | $ 142,000 | $ 78,000 |
| St. Louis, MO-IL | 2 | $ 337,000 | $ 168,500 | $ 108,000 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 529,000 | $ 264,500 | $ 100,000 |
| Akron, OH | 1 | $ 172,000 | $ 172,000 | $ 53,000 |
| Ann Arbor, MI | 1 | $ 215,000 | $ 215,000 | $ 86,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 312,000 | $ 312,000 | $ 107,000 |
| Bethesda-Frederick-Rockville, MD | 1 | $ 133,000 | $ 133,000 | $ 52,000 |
| Bloomington, IN | 1 | $ 169,000 | $ 169,000 | $ 65,000 |
| Boulder, CO | 1 | $ 417,000 | $ 417,000 | $ 207,000 |
| Brownsville-Harlingen, TX | 1 | $ 133,000 | $ 133,000 | $ 92,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 246,000 | $ 246,000 | $ 115,000 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 98,000 | $ 98,000 | $ 45,000 |
| College Station-Bryan, TX | 1 | $ 262,000 | $ 262,000 | $ 110,000 |
| Columbus, OH | 1 | $ 188,000 | $ 188,000 | $ 86,000 |
| Cumberland, MD-WV | 1 | $ 79,000 | $ 79,000 | $ 39,000 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 167,000 | $ 167,000 | $ 87,000 |
| Farmington, NM | 1 | $ 157,000 | $ 157,000 | $ 54,000 |
| Flint, MI | 1 | $ 182,000 | $ 182,000 | $ 38,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 153,000 | $ 153,000 | $ 64,000 |
| Gary, IN | 1 | $ 114,000 | $ 114,000 | $ 0 |
| Jacksonville, FL | 1 | $ 216,000 | $ 216,000 | $ 0 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 152,000 | $ 152,000 | $ 0 |
| Knoxville, TN | 1 | $ 210,000 | $ 210,000 | $ 0 |
| Lake Charles, LA | 1 | $ 192,000 | $ 192,000 | $ 152,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 319,000 | $ 319,000 | $ 212,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 502,000 | $ 502,000 | $ 320,000 |
| Lubbock, TX | 1 | $ 112,000 | $ 112,000 | $ 0 |
| Midland, TX | 1 | $ 164,000 | $ 164,000 | $ 111,000 |
| Monroe, MI | 1 | $ 147,000 | $ 147,000 | $ 58,000 |
| Morristown, TN | 1 | $ 154,000 | $ 154,000 | $ 63,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 1 | $ 95,000 | $ 95,000 | $ 162,000 |
| New Haven-Milford, CT | 1 | $ 176,000 | $ 176,000 | $ 63,000 |
| Norwich-New London, CT | 1 | $ 304,000 | $ 304,000 | $ 133,000 |
| Peabody, MA | 1 | $ 200,000 | $ 200,000 | $ 127,000 |
| Port St. Lucie, FL | 1 | $ 93,000 | $ 93,000 | $ 61,000 |
| Provo-Orem, UT | 1 | $ 218,000 | $ 218,000 | $ 0 |
| Richmond, VA | 1 | $ 199,000 | $ 199,000 | $ 90,000 |
| Rockingham County-Strafford County, NH | 1 | $ 403,000 | $ 403,000 | $ 0 |
| Santa Fe, NM | 1 | $ 328,000 | $ 328,000 | $ 137,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 312,000 | $ 312,000 | $ 85,000 |
| Shreveport-Bossier City, LA | 1 | $ 111,000 | $ 111,000 | $ 61,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 146,000 | $ 146,000 | $ 27,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 289,000 | $ 289,000 | $ 156,000 |
| Visalia-Porterville, CA | 1 | $ 117,000 | $ 117,000 | $ 106,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 417,000 | $ 417,000 | $ 119,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 132,000 | $ 132,000 | $ 42,000 |
| Wichita Falls, TX | 1 | $ 216,000 | $ 216,000 | $ 82,000 |
| Worcester, MA | 1 | $ 280,000 | $ 280,000 | $ 133,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 104,000 | $ 104,000 | $ 52,000 |
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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