Hs Mortgage Acceptance Corp. Mortgage Lending & HMDA Data, 2004
In 2004, Hs Mortgage Acceptance Corp. of Bellaire, TX reported 102 mortgage applications totaling $11.5 million, down 49% from 2003. The average application was for $112,960, and applicants reported an average income of $49,352. 29% of its applications resulted in an originated loan and 5% were denied. Its largest market was Houston-Baytown-Sugar Land, TX (30).
| Mortgage Company & Address | Hs Mortgage Acceptance Corp. 6750 West Loop South, Suite 500 Bellaire, TX 77401 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2004 2003 |
| Total Number of Mortgage Applications | 102 |
| Total Mortgage Loan Application Amount | $11,522,000 |
| Average Mortgage Loan Application Amount | $112,960 |
| Highest Mortgage Loan Application Amount | $605,000 |
| Average Applicant Income | $49,352 |
| Highest Applicant Income | $240,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Hs Mortgage Acceptance Corp. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Hs Mortgage Acceptance Corp. in 2004
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 | 102 | $11,522,000 | $111,500 | $605,000 | $47,500 | $240,000 |
| 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 | 50 | $5,875,000 | $114,500 | $605,000 | $53,000 | $166,000 |
| Black or African American | 26 | $2,690,000 | $106,500 | $123,000 | $40,000 | $58,000 |
| Hispanic | 13 | $1,378,000 | $105,500 | $115,000 | $40,000 | $72,000 |
| Not Provided | 12 | $1,479,000 | $117,500 | $350,000 | $68,000 | $240,000 |
| Asian | 1 | $100,000 | $100,000 | $100,000 | $48,000 | $48,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 98 | $10,235,000 | $105,000 | $151,000 | $41,000 | $120,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 4 | $1,287,000 | $321,000 | $605,000 | $166,000 | $240,000 |
| 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 |
|---|---|---|---|---|---|---|
| Preapproval Denied by Financial Institution | 46 | $4,592,000 | $99,000 | $123,000 | $37,000 | $58,000 |
| Loan Originated | 30 | $3,242,000 | $108,000 | $151,000 | $43,000 | $120,000 |
| Application Withdrawn By Applicant | 21 | $2,528,000 | $120,000 | $350,000 | $94,000 | $240,000 |
| Application Denied By Financial Institution | 5 | $1,160,000 | $232,000 | $605,000 | $70,000 | $166,000 |
| 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 |
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 | 34 | $4,074,000 | $119,000 | $605,000 | $47,000 | $166,000 |
| Credit History | 10 | $995,000 | $99,000 | $119,000 | $36,000 | $52,000 |
| Debt-To-Income Ratio | 2 | $218,000 | $109,000 | $111,000 | $31,000 | $34,000 |
| Other | 2 | $159,000 | $79,000 | $95,000 | $40,000 | $48,000 |
| Unverifiable Information | 2 | $195,000 | $97,000 | $100,000 | $43,000 | $48,000 |
| Employment History | 1 | $111,000 | $111,000 | $111,000 | $36,000 | $36,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Hs Mortgage Acceptance Corp.'s 2004 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 Hs Mortgage Acceptance Corp.'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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