H&P Mortgage Financial Group Mortgage Lending & HMDA Data, 2006
In 2006, H&P Mortgage Financial Group of Clearwater, FL reported 232 mortgage applications totaling $24.2 million, up 33% from 2005. The average application was for $104,284, and applicants reported an average income of $58,000. 80% of its applications resulted in an originated loan and 6% were denied. Its largest market was Houston-Sugar Land-Baytown, TX (232).
| Mortgage Company & Address | H&P Mortgage Financial Group 2650 McCormick Drive Suite 200 Clearwater, FL 33759 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 |
| Total Number of Mortgage Applications | 232 |
| Total Mortgage Loan Application Amount | $24,194,000 |
| Average Mortgage Loan Application Amount | $104,284 |
| Highest Mortgage Loan Application Amount | $195,000 |
| Average Applicant Income | $58,000 |
| Highest Applicant Income | $150,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records H&P Mortgage Financial Group filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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-Sugar Land-Baytown, TX | 232 | $ 24,194,000 | $ 104,284 | $ 58,000 |
Mortgage Loan Application Detail Totals for H&P Mortgage Financial Group 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 232 | $24,194,000 | $104,000 | $195,000 | $58,000 | $150,000 |
| 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 | 144 | $15,566,000 | $108,000 | $195,000 | $64,000 | $150,000 |
| Hispanic | 50 | $4,627,000 | $92,000 | $177,000 | $41,000 | $101,000 |
| Black or African American | 28 | $2,935,000 | $104,000 | $167,000 | $52,000 | $77,000 |
| Not Provided | 7 | $756,000 | $108,000 | $132,000 | $69,000 | $103,000 |
| Asian | 2 | $151,000 | $75,000 | $125,000 | $68,000 | $88,000 |
| American Indian or Alaskan Native | 1 | $159,000 | $159,000 | $159,000 | $65,000 | $65,000 |
| 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) | 156 | $13,310,000 | $85,000 | $167,000 | $56,000 | $150,000 |
| FHA-insured (Federal Housing Administration) | 68 | $9,703,000 | $142,000 | $190,000 | $63,000 | $125,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,181,000 | $147,000 | $195,000 | $63,000 | $95,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 185 | $19,326,000 | $104,000 | $195,000 | $57,000 | $150,000 |
| Application Approved But Not Accepted | 34 | $3,536,000 | $104,000 | $166,000 | $63,000 | $150,000 |
| Application Denied By Financial Institution | 13 | $1,332,000 | $102,000 | $190,000 | $56,000 | $97,000 |
| Application Withdrawn By Applicant | 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 |
|---|---|---|---|---|---|---|
| Credit History | 12 | $1,142,000 | $95,000 | $164,000 | $52,000 | $76,000 |
| Debt-To-Income Ratio | 1 | $190,000 | $190,000 | $190,000 | $97,000 | $97,000 |
| 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 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into H&P Mortgage Financial Group'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 H&P Mortgage Financial Group'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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