Esi Mortgage, LP Mortgage Lending & HMDA Data, 2004
In 2004, Esi Mortgage, LP of Austin, TX reported 992 mortgage applications totaling $118.4 million, down 48% from 2003. The average application was for $119,390, and applicants reported an average income of $60,565. 38% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Houston-Baytown-Sugar Land, TX (313), Austin-Round Rock, TX (83) and Tampa-St. Petersburg-Clearwater, FL (65) (applications in parentheses).
| Mortgage Company & Address | Esi Mortgage, LP 816 Congress Ave. Suite 1400 Austin, TX 78701 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2004 2003 |
| Total Number of Mortgage Applications | 992 |
| Total Mortgage Loan Application Amount | $118,435,000 |
| Average Mortgage Loan Application Amount | $119,390 |
| Highest Mortgage Loan Application Amount | $974,000 |
| Average Applicant Income | $60,565 |
| Highest Applicant Income | $840,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Esi Mortgage, LP filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Houston-Baytown-Sugar Land, TX | 313 | $ 36,953,000 | $ 118,060 | $ 59,000 |
| Austin-Round Rock, TX | 83 | $ 9,525,000 | $ 114,759 | $ 94,000 |
| Tampa-St. Petersburg-Clearwater, FL | 65 | $ 6,830,000 | $ 105,076 | $ 45,000 |
| Dallas-Plano-Irving, TX | 64 | $ 6,497,000 | $ 101,515 | $ 64,000 |
| Miami-Miami Beach-Kendall, FL | 43 | $ 8,428,000 | $ 196,000 | $ 63,000 |
| Orlando, FL | 33 | $ 4,051,000 | $ 122,757 | $ 47,000 |
| San Antonio, TX | 30 | $ 2,689,000 | $ 89,633 | $ 63,000 |
| McAllen-Edinburg-Pharr, TX | 22 | $ 1,681,000 | $ 76,409 | $ 40,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 20 | $ 2,890,000 | $ 144,500 | $ 74,000 |
| Fort Worth-Arlington, TX | 18 | $ 2,271,000 | $ 126,166 | $ 78,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 16 | $ 1,542,000 | $ 96,375 | $ 66,000 |
| Lakeland, FL | 14 | $ 1,634,000 | $ 116,714 | $ 50,000 |
| Columbia, SC | 12 | $ 990,000 | $ 82,500 | $ 50,000 |
| Pensacola-Ferry Pass-Brent, FL | 11 | $ 1,314,000 | $ 119,454 | $ 112,000 |
| Beaumont-Port Arthur, TX | 9 | $ 578,000 | $ 64,222 | $ 34,000 |
| Killeen-Temple-Fort Hood, TX | 9 | $ 617,000 | $ 68,555 | $ 44,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 9 | $ 2,000,000 | $ 222,222 | $ 52,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 9 | $ 999,000 | $ 111,000 | $ 66,000 |
| Cape Coral-Fort Myers, FL | 8 | $ 1,045,000 | $ 130,625 | $ 72,000 |
| Corpus Christi, TX | 7 | $ 692,000 | $ 98,857 | $ 55,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 7 | $ 957,000 | $ 136,714 | $ 50,000 |
| Hartford-West Hartford-East Hartford, CT | 7 | $ 1,383,000 | $ 197,571 | $ 57,000 |
| Little Rock-North Little Rock, AR | 7 | $ 745,000 | $ 106,428 | $ 75,000 |
| El Paso, TX | 6 | $ 558,000 | $ 93,000 | $ 74,000 |
| Norwich-New London, CT | 6 | $ 620,000 | $ 103,333 | $ 35,000 |
| Richmond, VA | 6 | $ 994,000 | $ 165,666 | $ 40,000 |
| Salt Lake City, UT | 6 | $ 1,111,000 | $ 185,166 | $ 29,000 |
| Bridgeport-Stamford-Norwalk, CT | 5 | $ 590,000 | $ 118,000 | $ 58,000 |
| Brownsville-Harlingen, TX | 5 | $ 459,000 | $ 91,800 | $ 53,000 |
| New Haven-Milford, CT | 5 | $ 495,000 | $ 99,000 | $ 35,000 |
| Oklahoma City, OK | 5 | $ 489,000 | $ 97,800 | $ 29,000 |
| Spartanburg, SC | 5 | $ 428,000 | $ 85,600 | $ 24,000 |
| Baltimore-Towson, MD | 4 | $ 284,000 | $ 71,000 | $ 35,000 |
| Charleston-North Charleston, SC | 4 | $ 492,000 | $ 123,000 | $ 68,000 |
| Nashville-Davidson--Murfreesboro, TN | 4 | $ 463,000 | $ 115,750 | $ 45,000 |
| Palm Bay-Melbourne-Titusville, FL | 4 | $ 339,000 | $ 84,750 | $ 76,000 |
| Provo-Orem, UT | 4 | $ 347,000 | $ 86,750 | $ 56,000 |
| Tulsa, OK | 4 | $ 446,000 | $ 111,500 | $ 61,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 4 | $ 1,589,000 | $ 397,250 | $ 311,000 |
| Wichita Falls, TX | 4 | $ 287,000 | $ 71,750 | $ 31,000 |
| Denver-Aurora, CO | 3 | $ 264,000 | $ 88,000 | $ 66,000 |
| Greenville, SC | 3 | $ 223,000 | $ 74,333 | $ 39,000 |
| Memphis, TN-MS-AR | 3 | $ 245,000 | $ 81,666 | $ 32,000 |
| Portland-Vancouver-Beaverton, OR-WA | 3 | $ 461,000 | $ 153,666 | $ 70,000 |
| Bethesda-Frederick-Gaithersburg, MD | 2 | $ 355,000 | $ 177,500 | $ 196,000 |
| College Station-Bryan, TX | 2 | $ 242,000 | $ 121,000 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 127,000 | $ 63,500 | $ 40,000 |
| Jacksonville, FL | 2 | $ 206,000 | $ 103,000 | $ 35,000 |
| Ogden-Clearfield, UT | 2 | $ 255,000 | $ 127,500 | $ 30,000 |
| Punta Gorda, FL | 2 | $ 216,000 | $ 108,000 | $ 78,000 |
| Anderson, SC | 1 | $ 166,000 | $ 166,000 | $ 80,000 |
| Boise City-Nampa, ID | 1 | $ 213,000 | $ 213,000 | $ 95,000 |
| Colorado Springs, CO | 1 | $ 334,000 | $ 334,000 | $ 95,000 |
| Des Moines, IA | 1 | $ 84,000 | $ 84,000 | $ 27,000 |
| Eugene-Springfield, OR | 1 | $ 287,000 | $ 287,000 | $ 90,000 |
| Gainesville, FL | 1 | $ 139,000 | $ 139,000 | $ 66,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 106,000 | $ 106,000 | $ 47,000 |
| Idaho Falls, ID | 1 | $ 140,000 | $ 140,000 | $ 39,000 |
| Knoxville, TN | 1 | $ 54,000 | $ 54,000 | $ 30,000 |
| Naples-Marco Island, FL | 1 | $ 60,000 | $ 60,000 | $ 37,000 |
| Ocala, FL | 1 | $ 77,000 | $ 77,000 | $ 70,000 |
| Owensboro, KY | 1 | $ 108,000 | $ 108,000 | $ 58,000 |
| Pine Bluff, AR | 1 | $ 128,000 | $ 128,000 | $ 124,000 |
| Vero Beach, FL | 1 | $ 85,000 | $ 85,000 | $ 36,000 |
| Victoria, TX | 1 | $ 180,000 | $ 180,000 | $ 120,000 |
Mortgage Loan Application Detail Totals for Esi Mortgage, LP in 2004
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 | 867 | $99,176,000 | $114,850 | $974,000 | $47,350 | $515,000 |
| Refinancing | 125 | $19,259,000 | $194,533 | $756,000 | $104,800 | $840,000 |
| 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 | 351 | $44,314,000 | $134,750 | $756,000 | $72,450 | $515,000 |
| Hispanic | 242 | $26,088,000 | $138,000 | $625,000 | $61,875 | $840,000 |
| Black or African American | 215 | $24,600,000 | $118,181 | $974,000 | $52,454 | $218,000 |
| Not Provided | 163 | $19,633,000 | $112,636 | $492,000 | $34,000 | $300,000 |
| Asian | 19 | $3,407,000 | $262,857 | $638,000 | $116,571 | $240,000 |
| American Indian or Alaskan Native | 1 | $243,000 | $243,000 | $243,000 | $78,000 | $78,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $150,000 | $150,000 | $150,000 | $63,000 | $63,000 |
| 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) | 992 | $118,435,000 | $132,904 | $974,000 | $65,428 | $840,000 |
| 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 | 375 | $38,006,000 | $136,529 | $625,000 | $87,705 | $840,000 |
| Application Withdrawn By Applicant | 285 | $39,900,000 | $167,555 | $974,000 | $83,333 | $474,000 |
| Application Approved But Not Accepted | 191 | $23,253,000 | $165,571 | $638,000 | $64,928 | $515,000 |
| Application Denied By Financial Institution | 140 | $17,168,000 | $120,285 | $520,000 | $54,785 | $216,000 |
| File Closed For Incompleteness | 1 | $108,000 | $108,000 | $108,000 | $40,000 | $40,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 35 | $3,780,000 | $115,666 | $348,000 | $53,444 | $130,000 |
| Credit History | 26 | $3,226,000 | $152,000 | $350,000 | $39,200 | $136,000 |
| Debt-To-Income Ratio | 24 | $3,289,000 | $170,500 | $308,000 | $62,750 | $123,000 |
| Collateral | 22 | $2,733,000 | $129,285 | $280,000 | $64,714 | $216,000 |
| Unverifiable Information | 19 | $2,543,000 | $127,200 | $520,000 | $60,600 | $135,000 |
| Employment History | 8 | $830,000 | $104,000 | $184,000 | $56,000 | $92,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $379,000 | $126,000 | $133,000 | $41,000 | $54,000 |
| Credit Application Incomplete | 3 | $388,000 | $129,500 | $179,000 | $32,000 | $84,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Esi Mortgage, LP's 2004 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 Esi Mortgage, LP'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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