Ez Mortgage Loans, Inc. Mortgage Lending & HMDA Data, 2018
In 2018, Ez Mortgage Loans, Inc. of Ironton, OH reported 36 mortgage applications totaling $3.9 million, down 43% from 2017. The average application was for $108,055, and applicants reported an average income of $53,771. 67% of its applications resulted in an originated loan and 8% were denied. Its largest market was Huntington-Ashland, WV-KY-OH (24).
| Mortgage Company & Address | Ez Mortgage Loans, Inc. 419 Vernon St Ironton, OH 45638 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 |
| Total Number of Mortgage Applications | 36 |
| Total Mortgage Loan Application Amount | $3,890,000 |
| Average Mortgage Loan Application Amount | $108,055 |
| Highest Mortgage Loan Application Amount | $255,000 |
| Average Applicant Income | $53,771 |
| Highest Applicant Income | $124,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Ez Mortgage Loans, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Detail Totals for Ez Mortgage Loans, Inc. in 2018
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 | 34 | $3,690,000 | $108,000 | $255,000 | $54,000 | $124,000 |
| Not Applicable | 1 | $115,000 | $115,000 | $115,000 | $0 | $0 |
| Refinancing | 1 | $85,000 | $85,000 | $85,000 | $46,000 | $46,000 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 33 | $3,315,000 | $100,000 | $155,000 | $52,000 | $124,000 |
| Black or African American | 3 | $575,000 | $191,000 | $255,000 | $67,000 | $96,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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 |
|---|---|---|---|---|---|---|
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 26 | $2,690,000 | $103,000 | $225,000 | $51,000 | $77,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 6 | $710,000 | $118,000 | $155,000 | $59,000 | $124,000 |
| VA-guaranteed (Veterans Administration) | 3 | $405,000 | $135,000 | $255,000 | $64,000 | $96,000 |
| FHA-insured (Federal Housing Administration) | 1 | $85,000 | $85,000 | $85,000 | $41,000 | $41,000 |
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 | 24 | $2,650,000 | $110,000 | $255,000 | $55,000 | $124,000 |
| Application Withdrawn By Applicant | 8 | $830,000 | $103,000 | $135,000 | $53,000 | $71,000 |
| Application Denied By Financial Institution | 3 | $345,000 | $115,000 | $145,000 | $47,000 | $51,000 |
| Preapproval Denied by Financial Institution | 1 | $65,000 | $65,000 | $65,000 | $42,000 | $42,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 32 | $3,480,000 | $108,000 | $255,000 | $54,000 | $124,000 |
| Other | 2 | $180,000 | $90,000 | $115,000 | $46,000 | $51,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $85,000 | $85,000 | $85,000 | $41,000 | $41,000 |
| Collateral | 1 | $145,000 | $145,000 | $145,000 | $50,000 | $50,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ez Mortgage Loans, Inc.'s 2018 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 Ez Mortgage Loans, Inc.'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.
For a list of all lenders in Ohio, download the full spreadsheet
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