Interlinc Mtg Inc Mortgage Lending & HMDA Data, 2010
In 2010, Interlinc Mtg Inc of Conroe, TX reported 1,186 mortgage applications totaling $204.4 million, down 68% from 2009. The average application was for $172,326, and applicants reported an average income of $90,652. 78% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Houston-Sugar Land-Baytown, TX (841), San Antonio-New Braunfels, TX (107) and Austin-Round Rock-San Marcos, TX (63) (applications in parentheses).
| Mortgage Company & Address | Interlinc Mtg Inc 19221 I 45 South Suite 210 Conroe, TX 77385 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 |
| Total Number of Mortgage Applications | 1,186 |
| Total Mortgage Loan Application Amount | $204,379,000 |
| Average Mortgage Loan Application Amount | $172,326 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $90,652 |
| Highest Applicant Income | $3,900,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Interlinc Mtg Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 841 | $ 147,162,000 | $ 174,984 | $ 91,000 |
| San Antonio-New Braunfels, TX | 107 | $ 15,725,000 | $ 146,962 | $ 98,000 |
| Austin-Round Rock-San Marcos, TX | 63 | $ 11,902,000 | $ 188,920 | $ 79,000 |
| Fort Worth-Arlington, TX | 50 | $ 8,157,000 | $ 163,140 | $ 82,000 |
| Dallas-Plano-Irving, TX | 36 | $ 6,903,000 | $ 191,750 | $ 87,000 |
| Corpus Christi, TX | 11 | $ 1,864,000 | $ 169,454 | $ 86,000 |
| El Paso, TX | 7 | $ 1,424,000 | $ 203,428 | $ 96,000 |
| McAllen-Edinburg-Mission, TX | 5 | $ 824,000 | $ 164,800 | $ 73,000 |
| Amarillo, TX | 3 | $ 372,000 | $ 124,000 | $ 42,000 |
| College Station-Bryan, TX | 3 | $ 424,000 | $ 141,333 | $ 126,000 |
| Beaumont-Port Arthur, TX | 2 | $ 327,000 | $ 163,500 | $ 50,000 |
| Brownsville-Harlingen, TX | 2 | $ 348,000 | $ 174,000 | $ 74,000 |
| Killeen-Temple-Fort Hood, TX | 2 | $ 285,000 | $ 142,500 | $ 173,000 |
| Sherman-Denison, TX | 2 | $ 283,000 | $ 141,500 | $ 47,000 |
| Tyler, TX | 2 | $ 448,000 | $ 224,000 | $ 82,000 |
| Wichita Falls, TX | 2 | $ 451,000 | $ 225,500 | $ 86,000 |
| Abilene, TX | 1 | $ 141,000 | $ 141,000 | $ 48,000 |
| Laredo, TX | 1 | $ 126,000 | $ 126,000 | $ 63,000 |
| Longview, TX | 1 | $ 244,000 | $ 244,000 | $ 103,000 |
| Midland, TX | 1 | $ 164,000 | $ 164,000 | $ 38,000 |
| Waco, TX | 1 | $ 162,000 | $ 162,000 | $ 23,000 |
Mortgage Loan Application Detail Totals for Interlinc Mtg Inc in 2010
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 | 913 | $146,110,000 | $160,000 | $1,000,000 | $75,000 | $748,000 |
| Refinancing | 273 | $58,269,000 | $213,000 | $999,000 | $143,000 | $3,900,000 |
| 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 | 739 | $137,685,000 | $186,000 | $999,000 | $105,000 | $3,900,000 |
| Hispanic | 250 | $33,216,000 | $132,000 | $416,000 | $60,000 | $630,000 |
| Black or African American | 139 | $21,867,000 | $157,000 | $390,000 | $65,000 | $270,000 |
| Asian | 43 | $8,845,000 | $205,000 | $1,000,000 | $103,000 | $600,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $1,471,000 | $183,000 | $295,000 | $65,000 | $161,000 |
| Not Provided | 7 | $1,295,000 | $185,000 | $407,000 | $84,000 | $164,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 568 | $82,482,000 | $145,000 | $427,000 | $65,000 | $630,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 436 | $95,451,000 | $218,000 | $1,000,000 | $138,000 | $3,900,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 117 | $15,578,000 | $133,000 | $247,000 | $42,000 | $88,000 |
| VA-guaranteed (Veterans Administration) | 65 | $10,868,000 | $167,000 | $399,000 | $80,000 | $600,000 |
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 | 921 | $156,700,000 | $170,000 | $805,000 | $86,000 | $748,000 |
| Application Denied By Financial Institution | 265 | $47,679,000 | $179,000 | $1,000,000 | $107,000 | $3,900,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 Application Incomplete | 129 | $22,632,000 | $175,000 | $1,000,000 | $82,000 | $720,000 |
| Debt-To-Income Ratio | 46 | $7,919,000 | $172,000 | $417,000 | $130,000 | $3,196,000 |
| Employment History | 27 | $5,689,000 | $210,000 | $749,000 | $223,000 | $3,900,000 |
| Credit History | 21 | $3,305,000 | $157,000 | $300,000 | $72,000 | $205,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 15 | $3,051,000 | $203,000 | $492,000 | $106,000 | $385,000 |
| Collateral | 12 | $1,805,000 | $150,000 | $353,000 | $82,000 | $206,000 |
| Unverifiable Information | 8 | $1,706,000 | $213,000 | $417,000 | $80,000 | $161,000 |
| Other | 7 | $1,572,000 | $224,000 | $417,000 | $170,000 | $299,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Interlinc Mtg Inc's 2010 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 Interlinc Mtg Inc'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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