X - Financial Builders FCU - Deconverted Mortgage Lending & HMDA Data, 2006
In 2006, X - Financial Builders FCU - Deconverted of Kokomo, IN reported 42 mortgage applications totaling $3.6 million, up 68% from 2005. The average application was for $85,976, and applicants reported an average income of $52,285. 50% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Kokomo, IN (30), Anderson, IN (1) and Indianapolis-Carmel, IN (1) (applications in parentheses).
| Mortgage Company & Address | X - Financial Builders FCU - Deconverted 2828 S. Lafountain St Kokomo, IN 46904 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 42 |
| Total Mortgage Loan Application Amount | $3,611,000 |
| Average Mortgage Loan Application Amount | $85,976 |
| Highest Mortgage Loan Application Amount | $209,000 |
| Average Applicant Income | $52,285 |
| Highest Applicant Income | $108,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records X - Financial Builders FCU - Deconverted filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Howard, Indiana | 26 | $ 2,079,000 | $ 79,961 | $ 47,000 |
| Tipton, Indiana | 4 | $ 353,000 | $ 88,250 | $ 58,000 |
| Cass, Indiana | 3 | $ 362,000 | $ 120,666 | $ 63,000 |
| Miami, Indiana | 3 | $ 241,000 | $ 80,333 | $ 61,000 |
| Wabash, Indiana | 2 | $ 254,000 | $ 127,000 | $ 96,000 |
| Carroll, Indiana | 1 | $ 1,000 | $ 1,000 | $ 54,000 |
| Hamilton, Indiana | 1 | $ 173,000 | $ 173,000 | $ 73,000 |
| Jackson, Indiana | 1 | $ 58,000 | $ 58,000 | $ 26,000 |
| Madison, Indiana | 1 | $ 90,000 | $ 90,000 | $ 14,000 |
Mortgage Loan Application Detail Totals for X - Financial Builders FCU - Deconverted in 2006
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 | 22 | $1,844,000 | $83,000 | $209,000 | $58,000 | $108,000 |
| Home Purchase | 20 | $1,767,000 | $88,000 | $192,000 | $46,000 | $107,000 |
| 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 | 35 | $2,913,000 | $83,000 | $209,000 | $50,000 | $108,000 |
| Black or African American | 2 | $127,000 | $63,000 | $67,000 | $37,000 | $40,000 |
| Hispanic | 2 | $176,000 | $88,000 | $126,000 | $75,000 | $94,000 |
| Not Provided | 1 | $180,000 | $180,000 | $180,000 | $107,000 | $107,000 |
| American Indian or Alaskan Native | 1 | $125,000 | $125,000 | $125,000 | $63,000 | $63,000 |
| Asian | 1 | $90,000 | $90,000 | $90,000 | $57,000 | $57,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $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) | 42 | $3,611,000 | $85,000 | $209,000 | $52,000 | $108,000 |
| 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 | 21 | $1,532,000 | $72,000 | $192,000 | $50,000 | $108,000 |
| Application Withdrawn By Applicant | 12 | $1,261,000 | $105,000 | $180,000 | $53,000 | $107,000 |
| Application Denied By Financial Institution | 9 | $818,000 | $90,000 | $209,000 | $56,000 | $100,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 4 | $176,000 | $44,000 | $91,000 | $41,000 | $54,000 |
| Credit History | 2 | $197,000 | $98,000 | $106,000 | $71,000 | $100,000 |
| Collateral | 1 | $170,000 | $170,000 | $170,000 | $70,000 | $70,000 |
| Employment History | 1 | $66,000 | $66,000 | $66,000 | $40,000 | $40,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into X - Financial Builders FCU - Deconverted's 2006 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 X - Financial Builders FCU - Deconverted'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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