X - Financial Builders FCU - Deconverted Mortgage Lending & HMDA Data, 2015
In 2015, X - Financial Builders FCU - Deconverted of Kokomo, IN reported 135 mortgage applications totaling $6.9 million, up 101% from 2014. The average application was for $51,385, and applicants reported an average income of $64,355. 84% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Kokomo, IN (98), Indianapolis-Carmel-Anderson, IN (3) and Lafayette-West Lafayette, IN (2) (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 | 135 |
| Total Mortgage Loan Application Amount | $6,937,000 |
| Average Mortgage Loan Application Amount | $51,385 |
| Highest Mortgage Loan Application Amount | $246,000 |
| Average Applicant Income | $64,355 |
| Highest Applicant Income | $174,000 |
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- Financial Builders FCU - Deconverted filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 98 | $ 4,877,000 | $ 49,765 | $ 64,000 |
| Miami, Indiana | 11 | $ 598,000 | $ 54,363 | $ 60,000 |
| Tipton, Indiana | 10 | $ 464,000 | $ 46,400 | $ 74,000 |
| Cass, Indiana | 5 | $ 335,000 | $ 67,000 | $ 63,000 |
| Carroll, Indiana | 2 | $ 129,000 | $ 64,500 | $ 72,000 |
| Hamilton, Indiana | 2 | $ 260,000 | $ 130,000 | $ 127,000 |
| Starke, Indiana | 2 | $ 145,000 | $ 72,500 | $ 53,000 |
| Polk, Florida | 1 | $ 52,000 | $ 52,000 | $ 39,000 |
| Boone, Indiana | 1 | $ 30,000 | $ 30,000 | $ 67,000 |
| Clinton, Indiana | 1 | $ 25,000 | $ 25,000 | $ 28,000 |
| Fulton, Indiana | 1 | $ 11,000 | $ 11,000 | $ 69,000 |
| Grant, Indiana | 1 | $ 11,000 | $ 11,000 | $ 78,000 |
Mortgage Loan Application Detail Totals for X - Financial Builders FCU - Deconverted in 2015
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 | 133 | $6,875,000 | $51,000 | $246,000 | $64,000 | $174,000 |
| Refinancing | 2 | $62,000 | $31,000 | $50,000 | $88,000 | $131,000 |
| 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 | 122 | $6,486,000 | $53,000 | $246,000 | $65,000 | $174,000 |
| Not Provided | 11 | $420,000 | $38,000 | $140,000 | $55,000 | $113,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $19,000 | $19,000 | $19,000 | $96,000 | $96,000 |
| Black or African American | 1 | $12,000 | $12,000 | $12,000 | $47,000 | $47,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 135 | $6,937,000 | $51,000 | $246,000 | $65,000 | $174,000 |
| 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 | 114 | $5,930,000 | $52,000 | $246,000 | $65,000 | $141,000 |
| Application Withdrawn By Applicant | 12 | $634,000 | $52,000 | $132,000 | $76,000 | $174,000 |
| Application Denied By Financial Institution | 5 | $163,000 | $32,000 | $85,000 | $23,000 | $30,000 |
| Application Approved But Not Accepted | 3 | $162,000 | $54,000 | $96,000 | $69,000 | $85,000 |
| File Closed For Incompleteness | 1 | $48,000 | $48,000 | $48,000 | $36,000 | $36,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit Application Incomplete | 1 | $11,000 | $11,000 | $11,000 | $13,000 | $13,000 |
| Credit History | 1 | $30,000 | $30,000 | $30,000 | $21,000 | $21,000 |
| Debt-To-Income Ratio | 1 | $85,000 | $85,000 | $85,000 | $30,000 | $30,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into X - Financial Builders FCU - Deconverted's 2015 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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