Home Community Mortgage Mortgage Lending & HMDA Data, 2016
In 2016, Home Community Mortgage of Coppell, TX reported 7,458 mortgage applications totaling $1.9 billion, down 4% from 2015. The average application was for $261,234, and applicants reported an average income of $92,009. 41% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Houston-The Woodlands-Sugar Land, TX (1,317), San Antonio-New Braunfels, TX (1,068) and Austin-Round Rock, TX (605) (applications in parentheses).
| Mortgage Company & Address | Home Community Mortgage 8950 Cypress Waters Blvd. Coppell, TX 75019 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 |
| Total Number of Mortgage Applications | 7,458 |
| Total Mortgage Loan Application Amount | $1,948,286,000 |
| Average Mortgage Loan Application Amount | $261,234 |
| Highest Mortgage Loan Application Amount | $750,000 |
| Average Applicant Income | $92,009 |
| Highest Applicant Income | $2,200,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Home Community Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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-The Woodlands-Sugar Land, TX | 1,317 | $ 284,957,000 | $ 216,368 | $ 84,000 |
| San Antonio-New Braunfels, TX | 1,068 | $ 233,744,000 | $ 218,861 | $ 79,000 |
| Austin-Round Rock, TX | 605 | $ 141,786,000 | $ 234,357 | $ 93,000 |
| Denver-Aurora-Lakewood, CO | 601 | $ 215,655,000 | $ 358,826 | $ 122,000 |
| Riverside-San Bernardino-Ontario, CA | 502 | $ 176,638,000 | $ 351,868 | $ 113,000 |
| Orlando-Kissimmee-Sanford, FL | 467 | $ 117,990,000 | $ 252,655 | $ 83,000 |
| Las Vegas-Henderson-Paradise, NV | 452 | $ 124,344,000 | $ 275,097 | $ 97,000 |
| Phoenix-Mesa-Scottsdale, AZ | 434 | $ 99,229,000 | $ 228,638 | $ 81,000 |
| Jacksonville, FL | 354 | $ 86,471,000 | $ 244,268 | $ 83,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 218 | $ 78,301,000 | $ 359,178 | $ 108,000 |
| Tampa-St. Petersburg-Clearwater, FL | 213 | $ 51,441,000 | $ 241,507 | $ 84,000 |
| Raleigh, NC | 179 | $ 44,323,000 | $ 247,614 | $ 96,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 166 | $ 34,457,000 | $ 207,572 | $ 105,000 |
| Dallas-Plano-Irving, TX | 124 | $ 25,574,000 | $ 206,241 | $ 76,000 |
| Tucson, AZ | 120 | $ 25,547,000 | $ 212,891 | $ 81,000 |
| Stockton-Lodi, CA | 95 | $ 28,915,000 | $ 304,368 | $ 87,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 85 | $ 31,758,000 | $ 373,623 | $ 125,058 |
| San Diego-Carlsbad, CA | 83 | $ 37,073,000 | $ 446,662 | $ 133,000 |
| Punta Gorda, FL | 58 | $ 10,789,000 | $ 186,017 | $ 74,000 |
| Greeley, CO | 44 | $ 14,778,000 | $ 335,863 | $ 101,000 |
| Fresno, CA | 43 | $ 10,741,000 | $ 249,790 | $ 67,000 |
| Sebastian-Vero Beach, FL | 42 | $ 7,631,000 | $ 181,690 | $ 79,000 |
| Modesto, CA | 35 | $ 9,637,000 | $ 275,342 | $ 103,000 |
| Yuba City, CA | 30 | $ 8,673,000 | $ 289,100 | $ 85,000 |
| Silver Spring-Frederick-Rockville, MD | 24 | $ 9,427,000 | $ 392,791 | $ 137,000 |
| Killeen-Temple, TX | 19 | $ 3,237,000 | $ 170,368 | $ 64,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 18 | $ 10,315,000 | $ 573,055 | $ 149,000 |
| Lakeland-Winter Haven, FL | 16 | $ 3,423,000 | $ 213,937 | $ 76,000 |
| Oakland-Hayward-Berkeley, CA | 14 | $ 7,930,000 | $ 566,428 | $ 147,000 |
| Baltimore-Columbia-Towson, MD | 13 | $ 5,866,000 | $ 451,230 | $ 168,000 |
| Santa Rosa, CA | 9 | $ 4,735,000 | $ 526,111 | $ 143,000 |
| Los Angeles-Long Beach-Glendale, CA | 3 | $ 1,150,000 | $ 383,333 | $ 114,000 |
| Fort Worth-Arlington, TX | 2 | $ 227,000 | $ 113,500 | $ 52,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 318,000 | $ 318,000 | $ 68,000 |
| Lynchburg, VA | 1 | $ 396,000 | $ 396,000 | $ 239,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 167,000 | $ 167,000 | $ 57,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 246,000 | $ 246,000 | $ 155,000 |
| Salinas, CA | 1 | $ 397,000 | $ 397,000 | $ 131,000 |
Mortgage Loan Application Detail Totals for Home Community Mortgage in 2016
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 | 7,422 | $1,936,734,000 | $260,000 | $750,000 | $92,000 | $2,200,000 |
| Refinancing | 36 | $11,552,000 | $320,000 | $630,000 | $94,000 | $189,000 |
| 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 | 3,177 | $840,700,000 | $264,000 | $750,000 | $97,000 | $2,200,000 |
| Hispanic | 1,749 | $408,730,000 | $233,000 | $647,000 | $79,000 | $516,000 |
| Black or African American | 897 | $220,958,000 | $246,000 | $588,000 | $84,000 | $325,000 |
| Not Provided | 793 | $245,121,000 | $309,000 | $626,000 | $103,000 | $621,000 |
| Asian | 788 | $218,140,000 | $276,000 | $684,000 | $102,000 | $617,000 |
| Native Hawaiin or Other Pacific Islander | 35 | $9,692,000 | $276,000 | $379,000 | $103,000 | $383,000 |
| American Indian or Alaskan Native | 19 | $4,945,000 | $260,000 | $403,000 | $97,000 | $164,000 |
| 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) | 3,181 | $851,348,000 | $267,000 | $750,000 | $106,000 | $2,200,000 |
| FHA-insured (Federal Housing Administration) | 2,933 | $725,986,000 | $247,000 | $636,000 | $81,000 | $341,000 |
| VA-guaranteed (Veterans Administration) | 1,241 | $348,063,000 | $280,000 | $647,000 | $88,000 | $268,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 103 | $22,889,000 | $222,000 | $380,000 | $68,000 | $139,000 |
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 | 3,095 | $793,215,000 | $256,000 | $636,000 | $94,000 | $1,882,000 |
| Application Withdrawn By Applicant | 2,670 | $712,270,000 | $266,000 | $684,000 | $93,000 | $655,000 |
| Application Denied By Financial Institution | 1,342 | $354,402,000 | $264,000 | $750,000 | $89,000 | $2,200,000 |
| File Closed For Incompleteness | 267 | $65,390,000 | $244,000 | $485,000 | $91,000 | $622,000 |
| Application Approved But Not Accepted | 84 | $23,009,000 | $273,000 | $647,000 | $101,000 | $358,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Home Community Mortgage's 2016 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 Home Community Mortgage'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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