Fixfunding Mortgage Lending & HMDA Data, 2007
In 2007, Fixfunding of Dallas, TX reported 373 mortgage applications totaling $64.0 million. The average application was for $171,536, and applicants reported an average income of $109,608. 25% of its applications resulted in an originated loan and 37% were denied. Its largest markets were Dallas-Plano-Irving, TX (112), Atlanta-Sandy Springs-Marietta, GA (70) and Houston-Sugar Land-Baytown, TX (47) (applications in parentheses).
| Mortgage Company & Address | Fixfunding 14901 Quorum Dr #900 Dallas, TX 75254 |
| Federal Regulator | * available with data download |
| Years | 2007 |
| Total Number of Mortgage Applications | 373 |
| Total Mortgage Loan Application Amount | $63,983,000 |
| Average Mortgage Loan Application Amount | $171,536 |
| Highest Mortgage Loan Application Amount | $3,720,000 |
| Average Applicant Income | $109,608 |
| Highest Applicant Income | $1,436,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Fixfunding filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Dallas, Texas | 91 | $ 20,294,000 | $ 223,010 | $ 95,000 |
| Fulton, Georgia | 45 | $ 5,348,000 | $ 118,844 | $ 78,000 |
| Harris, Texas | 37 | $ 4,802,000 | $ 129,783 | $ 171,000 |
| Pinellas, Florida | 27 | $ 2,694,000 | $ 99,777 | $ 48,000 |
| Tarrant, Texas | 27 | $ 3,733,000 | $ 138,259 | $ 109,000 |
| DeKalb, Georgia | 13 | $ 2,105,000 | $ 161,923 | $ 244,000 |
| Denton, Texas | 9 | $ 2,093,000 | $ 232,555 | $ 29,000 |
| Miami-Dade, Florida | 7 | $ 1,195,000 | $ 170,714 | $ 44,000 |
| Collin, Texas | 7 | $ 1,776,000 | $ 253,714 | $ 142,000 |
| Clayton, Georgia | 6 | $ 541,000 | $ 90,166 | $ 91,000 |
| Bexar, Texas | 6 | $ 861,000 | $ 143,500 | $ 47,000 |
| Travis, Texas | 6 | $ 1,419,000 | $ 236,500 | $ 157,000 |
| Hillsborough, Florida | 5 | $ 609,000 | $ 121,800 | $ 205,000 |
| Fort Bend, Texas | 5 | $ 1,496,000 | $ 299,200 | $ 159,000 |
| Angelina, Texas | 4 | $ 620,000 | $ 155,000 | $ 194,000 |
| Broward, Florida | 3 | $ 788,000 | $ 262,666 | $ 79,000 |
| Gwinnett, Georgia | 3 | $ 218,000 | $ 72,666 | $ 76,000 |
| Jefferson, Texas | 3 | $ 235,000 | $ 78,333 | $ 38,000 |
| Rockwall, Texas | 3 | $ 368,000 | $ 122,666 | $ 22,000 |
| Denver, Colorado | 2 | $ 229,000 | $ 114,500 | $ 0 |
| Bay, Florida | 2 | $ 950,000 | $ 475,000 | $ 600,000 |
| Palm Beach, Florida | 2 | $ 361,000 | $ 180,500 | $ 192,000 |
| Hancock, Mississippi | 2 | $ 165,000 | $ 82,500 | $ 300,000 |
| Harrison, Mississippi | 2 | $ 222,000 | $ 111,000 | $ 102,000 |
| Austin, Texas | 2 | $ 196,000 | $ 98,000 | $ 83,000 |
| El Paso, Texas | 2 | $ 208,000 | $ 104,000 | $ 158,000 |
| Galveston, Texas | 2 | $ 463,000 | $ 231,500 | $ 60,000 |
| Hays, Texas | 2 | $ 775,000 | $ 387,500 | $ 0 |
| Kaufman, Texas | 2 | $ 260,000 | $ 130,000 | $ 156,000 |
| Smith, Texas | 2 | $ 149,000 | $ 74,500 | $ 88,000 |
| Fresno, California | 1 | $ 140,000 | $ 140,000 | $ 144,000 |
| Arapahoe, Colorado | 1 | $ 107,000 | $ 107,000 | $ 0 |
| Broomfield, Colorado | 1 | $ 91,000 | $ 91,000 | $ 0 |
| Elbert, Colorado | 1 | $ 650,000 | $ 650,000 | $ 100,000 |
| Jefferson, Colorado | 1 | $ 69,000 | $ 69,000 | $ 250,000 |
| Mesa, Colorado | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Pueblo, Colorado | 1 | $ 93,000 | $ 93,000 | $ 46,000 |
| Collier, Florida | 1 | $ 878,000 | $ 878,000 | $ 1,200,000 |
| Duval, Florida | 1 | $ 81,000 | $ 81,000 | $ 96,000 |
| Escambia, Florida | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Indian River, Florida | 1 | $ 116,000 | $ 116,000 | $ 1,020,000 |
| Lee, Florida | 1 | $ 358,000 | $ 358,000 | $ 204,000 |
| Levy, Florida | 1 | $ 75,000 | $ 75,000 | $ 75,000 |
| Orange, Florida | 1 | $ 220,000 | $ 220,000 | $ 0 |
| Osceola, Florida | 1 | $ 190,000 | $ 190,000 | $ 180,000 |
| Santa Rosa, Florida | 1 | $ 1,500,000 | $ 1,500,000 | $ 0 |
| Seminole, Florida | 1 | $ 127,000 | $ 127,000 | $ 97,000 |
| St. Johns, Florida | 1 | $ 200,000 | $ 200,000 | $ 120,000 |
| St. Lucie, Florida | 1 | $ 71,000 | $ 71,000 | $ 0 |
| Cobb, Georgia | 1 | $ 371,000 | $ 371,000 | $ 175,000 |
| Hart, Georgia | 1 | $ 105,000 | $ 105,000 | $ 6,000 |
| Henry, Georgia | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Lowndes, Georgia | 1 | $ 51,000 | $ 51,000 | $ 58,000 |
| Rockdale, Georgia | 1 | $ 45,000 | $ 45,000 | $ 78,000 |
| Orleans, Louisiana | 1 | $ 88,000 | $ 88,000 | $ 0 |
| Lee, Mississippi | 1 | $ 50,000 | $ 50,000 | $ 50,000 |
| Clark, Nevada | 1 | $ 90,000 | $ 90,000 | $ 96,000 |
| Kings, New York | 1 | $ 800,000 | $ 800,000 | $ 161,000 |
| Delaware, Pennsylvania | 1 | $ 132,000 | $ 132,000 | $ 0 |
| Aransas, Texas | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Bell, Texas | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Cooke, Texas | 1 | $ 66,000 | $ 66,000 | $ 54,000 |
| Guadalupe, Texas | 1 | $ 435,000 | $ 435,000 | $ 180,000 |
| Hood, Texas | 1 | $ 123,000 | $ 123,000 | $ 84,000 |
| Johnson, Texas | 1 | $ 200,000 | $ 200,000 | $ 75,000 |
| Limestone, Texas | 1 | $ 90,000 | $ 90,000 | $ 251,000 |
| Montgomery, Texas | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Palo Pinto, Texas | 1 | $ 47,000 | $ 47,000 | $ 0 |
| Williamson, Texas | 1 | $ 65,000 | $ 65,000 | $ 80,000 |
Mortgage Loan Application Detail Totals for Fixfunding in 2007
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 | 260 | $44,272,000 | $170,000 | $3,720,000 | $119,000 | $1,436,000 |
| Refinancing | 113 | $19,711,000 | $174,000 | $1,500,000 | $88,000 | $1,200,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not Provided | 198 | $37,440,000 | $189,000 | $2,035,000 | $85,000 | $1,436,000 |
| White | 92 | $16,757,000 | $182,000 | $3,720,000 | $145,000 | $960,000 |
| Black or African American | 43 | $4,565,000 | $106,000 | $371,000 | $138,000 | $960,000 |
| Hispanic | 31 | $4,128,000 | $133,000 | $650,000 | $150,000 | $600,000 |
| Not applicable | 7 | $974,000 | $139,000 | $270,000 | $0 | $0 |
| Asian | 2 | $119,000 | $59,000 | $60,000 | $18,000 | $36,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 373 | $63,983,000 | $171,000 | $3,720,000 | $109,000 | $1,436,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 138 | $26,209,000 | $189,000 | $3,720,000 | $117,000 | $1,436,000 |
| Application Withdrawn By Applicant | 130 | $23,361,000 | $179,000 | $2,035,000 | $95,000 | $1,200,000 |
| Loan Originated | 95 | $13,072,000 | $137,000 | $909,000 | $123,000 | $960,000 |
| Loan Purchased By The Institution | 7 | $974,000 | $139,000 | $270,000 | $0 | $0 |
| Application Approved But Not Accepted | 2 | $298,000 | $149,000 | $165,000 | $240,000 | $240,000 |
| File Closed For Incompleteness | 1 | $69,000 | $69,000 | $69,000 | $250,000 | $250,000 |
| 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 | 73 | $16,388,000 | $224,000 | $3,720,000 | $120,000 | $1,436,000 |
| Other | 47 | $7,433,000 | $158,000 | $750,000 | $109,000 | $1,200,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $710,000 | $101,000 | $210,000 | $190,000 | $960,000 |
| Credit History | 4 | $526,000 | $131,000 | $175,000 | $15,000 | $62,000 |
| Credit Application Incomplete | 3 | $249,000 | $83,000 | $123,000 | $89,000 | $133,000 |
| Unverifiable Information | 1 | $105,000 | $105,000 | $105,000 | $6,000 | $6,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fixfunding's 2007 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 Fixfunding'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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