Jlm Direct Funding Ltd Mortgage Lending & HMDA Data, 2005
In 2005, Jlm Direct Funding Ltd of Houston, TX reported 5,922 mortgage applications totaling $965.6 million, up 119% from 2004. The average application was for $163,049, and applicants reported an average income of $115,402. 49% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Houston-Baytown-Sugar Land, TX (1,018), Atlanta-Sandy Springs-Marietta, GA (346) and Dallas-Plano-Irving, TX (295) (applications in parentheses).
| Mortgage Company & Address | Jlm Direct Funding Ltd 9235 Katy Freeway Ste 160 Houston, TX 77024 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 2004 2003 |
| Total Number of Mortgage Applications | 5,922 |
| Total Mortgage Loan Application Amount | $965,579,000 |
| Average Mortgage Loan Application Amount | $163,049 |
| Highest Mortgage Loan Application Amount | $2,900,000 |
| Average Applicant Income | $115,402 |
| Highest Applicant Income | $4,731,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Jlm Direct Funding Ltd filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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-Baytown-Sugar Land, TX | 1,018 | $ 95,671,000 | $ 93,979 | $ 105,000 |
| Atlanta-Sandy Springs-Marietta, GA | 346 | $ 46,513,000 | $ 134,430 | $ 99,000 |
| Dallas-Plano-Irving, TX | 295 | $ 36,095,000 | $ 122,355 | $ 111,000 |
| Austin-Round Rock, TX | 257 | $ 27,181,000 | $ 105,762 | $ 147,000 |
| Los Angeles-Long Beach-Glendale, CA | 231 | $ 80,356,000 | $ 347,861 | $ 193,000 |
| Riverside-San Bernardino-Ontario, CA | 206 | $ 51,736,000 | $ 251,145 | $ 115,000 |
| San Antonio, TX | 178 | $ 15,292,000 | $ 85,910 | $ 101,000 |
| Fort Worth-Arlington, TX | 147 | $ 17,217,000 | $ 117,122 | $ 101,000 |
| Santa Ana-Anaheim-Irvine, CA | 116 | $ 40,411,000 | $ 348,370 | $ 107,000 |
| Salt Lake City, UT | 99 | $ 14,254,000 | $ 143,979 | $ 113,000 |
| Chicago-Naperville-Joliet, IL | 97 | $ 14,196,000 | $ 146,350 | $ 95,000 |
| Las Vegas-Paradise, NV | 91 | $ 16,312,000 | $ 179,252 | $ 85,000 |
| Tampa-St. Petersburg-Clearwater, FL | 78 | $ 10,981,000 | $ 140,782 | $ 131,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 64 | $ 9,162,000 | $ 143,156 | $ 92,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 57 | $ 9,535,000 | $ 167,280 | $ 77,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 55 | $ 6,549,000 | $ 119,072 | $ 102,000 |
| Orlando, FL | 53 | $ 9,468,000 | $ 178,641 | $ 135,000 |
| Baltimore-Towson, MD | 47 | $ 8,933,000 | $ 190,063 | $ 91,000 |
| San Diego-Carlsbad-San Marcos, CA | 47 | $ 16,176,000 | $ 344,170 | $ 177,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 43 | $ 9,432,000 | $ 219,348 | $ 136,000 |
| New Orleans-Metairie-Kenner, LA | 41 | $ 4,331,000 | $ 105,634 | $ 86,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 31 | $ 9,074,000 | $ 292,709 | $ 189,000 |
| El Paso, TX | 30 | $ 2,678,000 | $ 89,266 | $ 67,000 |
| Seattle-Bellevue-Everett, WA | 30 | $ 6,294,000 | $ 209,800 | $ 119,000 |
| Bethesda-Frederick-Gaithersburg, MD | 29 | $ 7,020,000 | $ 242,068 | $ 126,000 |
| Baton Rouge, LA | 27 | $ 2,221,000 | $ 82,259 | $ 125,000 |
| Charlotte-Gastonia-Concord, NC-SC | 27 | $ 1,879,000 | $ 69,592 | $ 97,000 |
| Richmond, VA | 27 | $ 3,521,000 | $ 130,407 | $ 84,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 26 | $ 8,048,000 | $ 309,538 | $ 128,000 |
| Miami-Miami Beach-Kendall, FL | 24 | $ 4,401,000 | $ 183,375 | $ 125,000 |
| Oakland-Fremont-Hayward, CA | 24 | $ 9,658,000 | $ 402,416 | $ 72,000 |
| Denver-Aurora, CO | 23 | $ 4,631,000 | $ 201,347 | $ 127,000 |
| Jacksonville, FL | 22 | $ 2,237,000 | $ 101,681 | $ 131,000 |
| McAllen-Edinburg-Pharr, TX | 22 | $ 1,710,000 | $ 77,727 | $ 72,000 |
| Columbus, OH | 19 | $ 2,213,000 | $ 116,473 | $ 163,000 |
| Phoenix-Mesa-Scottsdale, AZ | 19 | $ 3,383,000 | $ 178,052 | $ 203,000 |
| Corpus Christi, TX | 18 | $ 2,774,000 | $ 154,111 | $ 82,000 |
| Raleigh-Cary, NC | 18 | $ 1,411,000 | $ 78,388 | $ 97,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 18 | $ 6,146,000 | $ 341,444 | $ 157,000 |
| Durham, NC | 17 | $ 954,000 | $ 56,117 | $ 67,000 |
| Palm Bay-Melbourne-Titusville, FL | 17 | $ 2,345,000 | $ 137,941 | $ 87,000 |
| Charleston-North Charleston, SC | 16 | $ 3,880,000 | $ 242,500 | $ 124,000 |
| Nashville-Davidson--Murfreesboro, TN | 16 | $ 2,303,000 | $ 143,937 | $ 112,000 |
| Indianapolis, IN | 15 | $ 1,202,000 | $ 80,133 | $ 149,000 |
| College Station-Bryan, TX | 14 | $ 1,121,000 | $ 80,071 | $ 116,000 |
| Ogden-Clearfield, UT | 14 | $ 3,032,000 | $ 216,571 | $ 90,000 |
| San Luis Obispo-Paso Robles, CA | 14 | $ 5,187,000 | $ 370,500 | $ 184,000 |
| Brownsville-Harlingen, TX | 13 | $ 1,109,000 | $ 85,307 | $ 108,000 |
| Cape Coral-Fort Myers, FL | 13 | $ 2,731,000 | $ 210,076 | $ 100,000 |
| Hartford-West Hartford-East Hartford, CT | 13 | $ 1,361,000 | $ 104,692 | $ 49,000 |
| Providence-New Bedford-Fall River, RI-MA | 13 | $ 2,040,000 | $ 156,923 | $ 23,000 |
| Beaumont-Port Arthur, TX | 12 | $ 888,000 | $ 74,000 | $ 129,000 |
| Columbus, GA-AL | 12 | $ 1,247,000 | $ 103,916 | $ 98,000 |
| Honolulu, HI | 12 | $ 5,418,000 | $ 451,500 | $ 137,000 |
| Huntsville, AL | 12 | $ 592,000 | $ 49,333 | $ 73,000 |
| Pascagoula, MS | 12 | $ 1,076,000 | $ 89,666 | $ 57,000 |
| Port St. Lucie-Fort Pierce, FL | 12 | $ 1,534,000 | $ 127,833 | $ 36,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 12 | $ 8,827,000 | $ 735,583 | $ 375,000 |
| St. Louis, MO-IL | 12 | $ 873,000 | $ 72,750 | $ 75,000 |
| Memphis, TN-MS-AR | 11 | $ 515,000 | $ 46,818 | $ 75,000 |
| Bakersfield, CA | 10 | $ 1,833,000 | $ 183,300 | $ 79,000 |
| Boise City-Nampa, ID | 10 | $ 1,523,000 | $ 152,300 | $ 267,000 |
| Clarksville, TN-KY | 10 | $ 910,000 | $ 91,000 | $ 137,000 |
| Columbia, SC | 10 | $ 927,000 | $ 92,700 | $ 47,000 |
| Kansas City, MO-KS | 10 | $ 750,000 | $ 75,000 | $ 138,000 |
| Killeen-Temple-Fort Hood, TX | 10 | $ 724,000 | $ 72,400 | $ 118,000 |
| Lafayette, LA | 10 | $ 557,000 | $ 55,700 | $ 74,000 |
| Provo-Orem, UT | 10 | $ 1,582,000 | $ 158,200 | $ 904,000 |
| Bridgeport-Stamford-Norwalk, CT | 9 | $ 1,635,000 | $ 181,666 | $ 333,000 |
| Gary, IN | 9 | $ 847,000 | $ 94,111 | $ 44,000 |
| Greensboro-High Point, NC | 9 | $ 532,000 | $ 59,111 | $ 110,000 |
| Lubbock, TX | 9 | $ 1,033,000 | $ 114,777 | $ 146,000 |
| Milwaukee-Waukesha-West Allis, WI | 9 | $ 833,000 | $ 92,555 | $ 65,000 |
| Springfield, MO | 9 | $ 3,062,000 | $ 340,222 | $ 167,000 |
| Vallejo-Fairfield, CA | 9 | $ 2,285,000 | $ 253,888 | $ 120,000 |
| Louisville, KY-IN | 8 | $ 1,711,000 | $ 213,875 | $ 100,000 |
| Akron, OH | 7 | $ 372,000 | $ 53,142 | $ 154,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 7 | $ 1,070,000 | $ 152,857 | $ 67,000 |
| Fresno, CA | 7 | $ 1,046,000 | $ 149,428 | $ 147,000 |
| Greenville, SC | 7 | $ 1,687,000 | $ 241,000 | $ 954,000 |
| Lake County-Kenosha County, IL-WI | 7 | $ 1,639,000 | $ 234,142 | $ 133,000 |
| Lakeland, FL | 7 | $ 700,000 | $ 100,000 | $ 66,000 |
| Laredo, TX | 7 | $ 1,246,000 | $ 178,000 | $ 132,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 7 | $ 1,208,000 | $ 172,571 | $ 176,000 |
| Tacoma, WA | 7 | $ 613,000 | $ 87,571 | $ 103,000 |
| Tyler, TX | 7 | $ 717,000 | $ 102,428 | $ 91,000 |
| Florence, SC | 6 | $ 550,000 | $ 91,666 | $ 93,000 |
| Madison, WI | 6 | $ 557,000 | $ 92,833 | $ 60,000 |
| Oklahoma City, OK | 6 | $ 443,000 | $ 73,833 | $ 60,000 |
| Portland-Vancouver-Beaverton, OR-WA | 6 | $ 459,000 | $ 76,500 | $ 73,000 |
| Spartanburg, SC | 6 | $ 537,000 | $ 89,500 | $ 52,000 |
| St. George, UT | 6 | $ 626,000 | $ 104,333 | $ 46,000 |
| Tallahassee, FL | 6 | $ 652,000 | $ 108,666 | $ 35,000 |
| Winston-Salem, NC | 6 | $ 376,000 | $ 62,666 | $ 210,000 |
| Anchorage, AK | 5 | $ 1,072,000 | $ 214,400 | $ 134,000 |
| Birmingham-Hoover, AL | 5 | $ 377,000 | $ 75,400 | $ 174,000 |
| Gainesville, GA | 5 | $ 1,197,000 | $ 239,400 | $ 108,000 |
| Merced, CA | 5 | $ 1,896,000 | $ 379,200 | $ 129,000 |
| New Haven-Milford, CT | 5 | $ 1,124,000 | $ 224,800 | $ 109,000 |
| San Francisco-San Mateo-Redwood City, CA | 5 | $ 1,777,000 | $ 355,400 | $ 87,000 |
| Sarasota-Bradenton-Venice, FL | 5 | $ 1,264,000 | $ 252,800 | $ 259,000 |
| Visalia-Porterville, CA | 5 | $ 689,000 | $ 137,800 | $ 88,000 |
| Boulder, CO | 4 | $ 1,290,000 | $ 322,500 | $ 135,000 |
| Cleveland-Elyria-Mentor, OH | 4 | $ 566,000 | $ 141,500 | $ 124,000 |
| Davenport-Moline-Rock Island, IA-IL | 4 | $ 381,000 | $ 95,250 | $ 120,000 |
| Des Moines, IA | 4 | $ 1,198,000 | $ 299,500 | $ 76,000 |
| Fort Walton Beach-Crestview-Destin, FL | 4 | $ 541,000 | $ 135,250 | $ 60,000 |
| Gainesville, FL | 4 | $ 378,000 | $ 94,500 | $ 63,000 |
| Gulfport-Biloxi, MS | 4 | $ 253,000 | $ 63,250 | $ 120,000 |
| Hagerstown-Martinsburg, MD-WV | 4 | $ 589,000 | $ 147,250 | $ 72,000 |
| Lexington-Fayette, KY | 4 | $ 470,000 | $ 117,500 | $ 437,000 |
| Missoula, MT | 4 | $ 419,000 | $ 104,750 | $ 0 |
| Ocala, FL | 4 | $ 273,000 | $ 68,250 | $ 53,000 |
| Panama City-Lynn Haven, FL | 4 | $ 632,000 | $ 158,000 | $ 113,000 |
| Rocky Mount, NC | 4 | $ 248,000 | $ 62,000 | $ 30,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 4 | $ 2,360,000 | $ 590,000 | $ 141,000 |
| Santa Rosa-Petaluma, CA | 4 | $ 2,016,000 | $ 504,000 | $ 369,000 |
| Stockton, CA | 4 | $ 1,230,000 | $ 307,500 | $ 142,000 |
| Wausau, WI | 4 | $ 268,000 | $ 67,000 | $ 123,000 |
| Bremerton-Silverdale, WA | 3 | $ 306,000 | $ 102,000 | $ 61,000 |
| Charlottesville, VA | 3 | $ 829,000 | $ 276,333 | $ 77,000 |
| Chattanooga, TN-GA | 3 | $ 184,000 | $ 61,333 | $ 34,000 |
| Kingsport-Bristol-Bristol, TN-VA | 3 | $ 165,000 | $ 55,000 | $ 353,000 |
| Olympia, WA | 3 | $ 568,000 | $ 189,333 | $ 96,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 556,000 | $ 185,333 | $ 146,000 |
| Punta Gorda, FL | 3 | $ 340,000 | $ 113,333 | $ 94,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 458,000 | $ 229,000 | $ 69,000 |
| Anderson, IN | 2 | $ 107,000 | $ 53,500 | $ 80,000 |
| Anderson, SC | 2 | $ 367,000 | $ 183,500 | $ 108,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 316,000 | $ 158,000 | $ 142,000 |
| Blacksburg-Christiansburg-Radford, VA | 2 | $ 210,000 | $ 105,000 | $ 58,000 |
| Champaign-Urbana, IL | 2 | $ 191,000 | $ 95,500 | $ 66,000 |
| Colorado Springs, CO | 2 | $ 238,000 | $ 119,000 | $ 120,000 |
| Dalton, GA | 2 | $ 144,000 | $ 72,000 | $ 57,000 |
| Dayton, OH | 2 | $ 119,000 | $ 59,500 | $ 97,000 |
| Decatur, IL | 2 | $ 80,000 | $ 40,000 | $ 0 |
| Dover, DE | 2 | $ 219,000 | $ 109,500 | $ 111,000 |
| Florence-Muscle Shoals, AL | 2 | $ 150,000 | $ 75,000 | $ 63,000 |
| Fort Smith, AR-OK | 2 | $ 1,283,000 | $ 641,500 | $ 420,000 |
| Fort Wayne, IN | 2 | $ 140,000 | $ 70,000 | $ 162,000 |
| Harrisburg-Carlisle, PA | 2 | $ 119,000 | $ 59,500 | $ 89,000 |
| Hattiesburg, MS | 2 | $ 230,000 | $ 115,000 | $ 97,000 |
| Hinesville-Fort Stewart, GA | 2 | $ 96,000 | $ 48,000 | $ 0 |
| Jackson, MS | 2 | $ 160,000 | $ 80,000 | $ 62,000 |
| Jacksonville, NC | 2 | $ 96,000 | $ 48,000 | $ 0 |
| Johnson City, TN | 2 | $ 90,000 | $ 45,000 | $ 0 |
| Knoxville, TN | 2 | $ 242,000 | $ 121,000 | $ 125,000 |
| Lake Charles, LA | 2 | $ 101,000 | $ 50,500 | $ 96,000 |
| Lansing-East Lansing, MI | 2 | $ 115,000 | $ 57,500 | $ 43,000 |
| Las Cruces, NM | 2 | $ 78,000 | $ 39,000 | $ 0 |
| Lewiston-Auburn, ME | 2 | $ 157,000 | $ 78,500 | $ 29,000 |
| Little Rock-North Little Rock, AR | 2 | $ 125,000 | $ 62,500 | $ 42,000 |
| Longview, WA | 2 | $ 307,000 | $ 153,500 | $ 30,000 |
| Madera, CA | 2 | $ 196,000 | $ 98,000 | $ 138,000 |
| Midland, TX | 2 | $ 73,000 | $ 36,500 | $ 40,000 |
| Montgomery, AL | 2 | $ 128,000 | $ 64,000 | $ 135,000 |
| Naples-Marco Island, FL | 2 | $ 825,000 | $ 412,500 | $ 471,000 |
| Pocatello, ID | 2 | $ 156,000 | $ 78,000 | $ 210,000 |
| Racine, WI | 2 | $ 117,000 | $ 58,500 | $ 95,000 |
| Roanoke, VA | 2 | $ 339,000 | $ 169,500 | $ 76,000 |
| Rockford, IL | 2 | $ 260,000 | $ 130,000 | $ 0 |
| Rome, GA | 2 | $ 299,000 | $ 149,500 | $ 103,000 |
| Shreveport-Bossier City, LA | 2 | $ 71,000 | $ 35,500 | $ 55,000 |
| Spokane, WA | 2 | $ 161,000 | $ 80,500 | $ 15,000 |
| Vero Beach, FL | 2 | $ 797,000 | $ 398,500 | $ 269,000 |
| Waco, TX | 2 | $ 112,000 | $ 56,000 | $ 123,000 |
| Warner Robins, GA | 2 | $ 440,000 | $ 220,000 | $ 96,000 |
| Wichita, KS | 2 | $ 104,000 | $ 52,000 | $ 0 |
| Wilmington, DE-MD-NJ | 2 | $ 250,000 | $ 125,000 | $ 0 |
| Worcester, MA | 2 | $ 842,000 | $ 421,000 | $ 162,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 450,000 | $ 450,000 | $ 156,000 |
| Amarillo, TX | 1 | $ 76,000 | $ 76,000 | $ 48,000 |
| Brunswick, GA | 1 | $ 585,000 | $ 585,000 | $ 780,000 |
| Cheyenne, WY | 1 | $ 196,000 | $ 196,000 | $ 0 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 74,000 | $ 74,000 | $ 116,000 |
| Decatur, AL | 1 | $ 97,000 | $ 97,000 | $ 0 |
| Elkhart-Goshen, IN | 1 | $ 117,000 | $ 117,000 | $ 2,000 |
| Essex County, MA | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Fayetteville, NC | 1 | $ 52,000 | $ 52,000 | $ 76,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 100,000 | $ 100,000 | $ 29,000 |
| Goldsboro, NC | 1 | $ 61,000 | $ 61,000 | $ 89,000 |
| Jackson, TN | 1 | $ 27,000 | $ 27,000 | $ 138,000 |
| Longview, TX | 1 | $ 52,000 | $ 52,000 | $ 0 |
| Modesto, CA | 1 | $ 236,000 | $ 236,000 | $ 94,000 |
| Peoria, IL | 1 | $ 288,000 | $ 288,000 | $ 93,000 |
| Philadelphia, PA | 1 | $ 384,000 | $ 384,000 | $ 240,000 |
| Portland-South Portland-Biddeford, ME | 1 | $ 168,000 | $ 168,000 | $ 128,000 |
| Salinas, CA | 1 | $ 520,000 | $ 520,000 | $ 0 |
| Salisbury, MD | 1 | $ 726,000 | $ 726,000 | $ 270,000 |
| Savannah, GA | 1 | $ 183,000 | $ 183,000 | $ 67,000 |
| Sherman-Denison, TX | 1 | $ 56,000 | $ 56,000 | $ 81,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 52,000 | $ 52,000 | $ 66,000 |
| Springfield, OH | 1 | $ 65,000 | $ 65,000 | $ 159,000 |
| Sumter, SC | 1 | $ 260,000 | $ 260,000 | $ 160,000 |
| Toledo, OH | 1 | $ 51,000 | $ 51,000 | $ 70,000 |
| Tulsa, OK | 1 | $ 312,000 | $ 312,000 | $ 250,000 |
| Victoria, TX | 1 | $ 360,000 | $ 360,000 | $ 150,000 |
| Yuba City, CA | 1 | $ 243,000 | $ 243,000 | $ 96,000 |
Mortgage Loan Application Detail Totals for Jlm Direct Funding Ltd in 2005
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 | 4,870 | $713,474,000 | $153,590 | $1,735,000 | $117,227 | $4,731,000 |
| Refinancing | 1,050 | $251,955,000 | $190,731 | $2,900,000 | $93,439 | $2,750,000 |
| Home Improvement | 2 | $150,000 | $75,000 | $100,000 | $245,000 | $300,000 |
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 | 3,231 | $526,677,000 | $170,186 | $1,735,000 | $98,906 | $2,750,000 |
| White | 1,227 | $205,103,000 | $149,842 | $1,950,000 | $109,684 | $4,500,000 |
| Hispanic | 654 | $100,199,000 | $157,483 | $1,950,000 | $110,645 | $2,112,000 |
| Black or African American | 569 | $76,271,000 | $161,214 | $1,150,000 | $159,214 | $4,731,000 |
| Asian | 183 | $38,004,000 | $221,294 | $1,351,000 | $190,411 | $1,062,000 |
| Native Hawaiian or Other Pacific Islander | 39 | $12,636,000 | $190,600 | $2,900,000 | $130,800 | $300,000 |
| American Indian or Alaskan Native | 16 | $5,171,000 | $310,714 | $1,403,000 | $199,428 | $1,062,000 |
| Not applicable | 3 | $1,518,000 | $698,000 | $1,275,000 | $364,000 | $637,000 |
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) | 5,922 | $965,579,000 | $163,065 | $2,900,000 | $107,956 | $4,731,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 2,895 | $431,914,000 | $166,097 | $1,950,000 | $127,634 | $4,731,000 |
| Application Approved But Not Accepted | 1,169 | $199,448,000 | $159,081 | $1,463,000 | $133,459 | $1,200,000 |
| Application Withdrawn By Applicant | 971 | $171,821,000 | $171,078 | $2,900,000 | $67,657 | $2,112,000 |
| Application Denied By Financial Institution | 591 | $84,563,000 | $161,696 | $1,397,000 | $113,151 | $1,664,000 |
| File Closed For Incompleteness | 296 | $77,833,000 | $179,280 | $1,500,000 | $101,960 | $4,500,000 |
| 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 | 151 | $17,780,000 | $141,238 | $1,000,000 | $117,857 | $466,000 |
| Other | 124 | $20,453,000 | $182,235 | $1,397,000 | $138,176 | $1,062,000 |
| Credit History | 105 | $12,981,000 | $121,888 | $1,000,000 | $66,666 | $240,000 |
| Unverifiable Information | 51 | $7,704,000 | $134,714 | $680,000 | $135,000 | $1,080,000 |
| Debt-To-Income Ratio | 29 | $4,065,000 | $124,142 | $940,000 | $84,714 | $300,000 |
| Employment History | 19 | $2,499,000 | $283,000 | $760,000 | $167,000 | $228,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 18 | $2,764,000 | $153,333 | $372,000 | $243,333 | $1,664,000 |
| Credit Application Incomplete | 5 | $891,000 | $151,333 | $613,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Jlm Direct Funding Ltd's 2005 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 Jlm Direct Funding Ltd'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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