Jlm Direct Funding Ltd Mortgage Lending & HMDA Data, 2003
In 2003, Jlm Direct Funding Ltd of Houston, TX reported 1,669 mortgage applications totaling $275.5 million. The average application was for $165,044, and applicants reported an average income of $84,313. 53% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Houston, TX (369), Dallas, TX (164) and Austin-San Marcos, TX (134) (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 | 1,669 |
| Total Mortgage Loan Application Amount | $275,459,000 |
| Average Mortgage Loan Application Amount | $165,044 |
| Highest Mortgage Loan Application Amount | $990,000 |
| Average Applicant Income | $84,313 |
| Highest Applicant Income | $900,000 |
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(HMDA) records Jlm Direct Funding Ltd filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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, TX | 369 | $ 54,138,000 | $ 146,715 | $ 77,000 |
| Dallas, TX | 164 | $ 26,377,000 | $ 160,835 | $ 80,000 |
| Austin-San Marcos, TX | 134 | $ 20,402,000 | $ 152,253 | $ 100,000 |
| Chicago, IL | 86 | $ 19,378,000 | $ 225,325 | $ 93,000 |
| Fort Worth-Arlington, TX | 36 | $ 5,260,000 | $ 146,111 | $ 57,000 |
| Atlanta, GA | 28 | $ 4,301,000 | $ 153,607 | $ 65,000 |
| McAllen-Edinburg-Mission, TX | 28 | $ 2,422,000 | $ 86,500 | $ 28,000 |
| Fort Lauderdale, FL | 27 | $ 4,219,000 | $ 156,259 | $ 53,000 |
| Seattle-Bellevue-Everett, WA | 27 | $ 5,910,000 | $ 218,888 | $ 102,000 |
| New Orleans, LA | 26 | $ 3,217,000 | $ 123,730 | $ 64,000 |
| San Antonio, TX | 25 | $ 4,398,000 | $ 175,920 | $ 105,000 |
| Tampa-St. Petersburg-Clearwater, FL | 24 | $ 3,071,000 | $ 127,958 | $ 54,000 |
| Galveston-Texas City, TX | 23 | $ 3,465,000 | $ 150,652 | $ 122,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 22 | $ 4,756,000 | $ 216,181 | $ 103,000 |
| Baltimore, MD | 21 | $ 6,258,000 | $ 298,000 | $ 111,000 |
| El Paso, TX | 20 | $ 2,575,000 | $ 128,750 | $ 48,000 |
| Orlando, FL | 18 | $ 1,905,000 | $ 105,833 | $ 72,000 |
| Daytona Beach, FL | 14 | $ 1,929,000 | $ 137,785 | $ 120,000 |
| West Palm Beach-Boca Raton, FL | 12 | $ 1,727,000 | $ 143,916 | $ 58,000 |
| Oklahoma City, OK | 11 | $ 1,129,000 | $ 102,636 | $ 56,000 |
| Brazoria, TX | 9 | $ 1,563,000 | $ 173,666 | $ 66,000 |
| Beaumont-Port Arthur, TX | 8 | $ 969,000 | $ 121,125 | $ 62,000 |
| Minneapolis-St. Paul, MN-WI | 8 | $ 1,182,000 | $ 147,750 | $ 44,000 |
| Greensboro--Winston-Salem--High Point, NC | 7 | $ 1,118,000 | $ 159,714 | $ 69,000 |
| Laredo, TX | 7 | $ 727,000 | $ 103,857 | $ 15,000 |
| Norfolk-Virginia Beach-Newport News, VA-NC | 7 | $ 478,000 | $ 68,285 | $ 76,000 |
| Raleigh-Durham-Chapel Hill, NC | 7 | $ 1,702,000 | $ 243,142 | $ 120,000 |
| Tacoma, WA | 7 | $ 1,563,000 | $ 223,285 | $ 94,000 |
| Biloxi-Gulfport-Pascagoula, MS | 6 | $ 1,522,000 | $ 253,666 | $ 67,000 |
| Denver, CO | 6 | $ 1,320,000 | $ 220,000 | $ 37,000 |
| Fort Pierce-Port St. Lucie, FL | 6 | $ 1,255,000 | $ 209,166 | $ 67,000 |
| Indianapolis, IN | 6 | $ 611,000 | $ 101,833 | $ 53,000 |
| Milwaukee-Waukesha, WI | 6 | $ 1,494,000 | $ 249,000 | $ 162,000 |
| Brownsville-Harlingen-San Benito, TX | 5 | $ 450,000 | $ 90,000 | $ 55,000 |
| Killeen-Temple, TX | 5 | $ 1,099,000 | $ 219,800 | $ 134,000 |
| Washington, DC-MD-VA-WV | 5 | $ 781,000 | $ 156,200 | $ 57,000 |
| Corpus Christi, TX | 4 | $ 290,000 | $ 72,500 | $ 57,000 |
| Hattiesburg, MS | 4 | $ 344,000 | $ 86,000 | $ 43,000 |
| Longview-Marshall, TX | 4 | $ 480,000 | $ 120,000 | $ 224,000 |
| Tallahassee, FL | 4 | $ 539,000 | $ 134,750 | $ 64,000 |
| Bryan-College Station, TX | 3 | $ 442,000 | $ 147,333 | $ 101,000 |
| Chattanooga, TN-GA | 3 | $ 346,000 | $ 115,333 | $ 74,000 |
| Cleveland-Lorain-Elyria, OH | 3 | $ 333,000 | $ 111,000 | $ 33,000 |
| Columbia, SC | 3 | $ 509,000 | $ 169,666 | $ 68,000 |
| Columbus, OH | 3 | $ 317,000 | $ 105,666 | $ 43,000 |
| Greenville, NC | 3 | $ 504,000 | $ 168,000 | $ 87,000 |
| Johnson City-Kingsport-Bristol, TN-VA | 3 | $ 400,000 | $ 133,333 | $ 22,000 |
| Kansas City, MO-KS | 3 | $ 448,000 | $ 149,333 | $ 114,000 |
| Miami, FL | 3 | $ 1,137,000 | $ 379,000 | $ 164,000 |
| Naples, FL | 3 | $ 607,000 | $ 202,333 | $ 127,000 |
| Punta Gorda, FL | 3 | $ 285,000 | $ 95,000 | $ 30,000 |
| Racine, WI | 3 | $ 493,000 | $ 164,333 | $ 83,000 |
| Sarasota-Bradenton, FL | 3 | $ 468,000 | $ 156,000 | $ 63,000 |
| Sherman-Denison, TX | 3 | $ 345,000 | $ 115,000 | $ 33,000 |
| Terre Haute, IN | 3 | $ 173,000 | $ 57,666 | $ 121,000 |
| Tulsa, OK | 3 | $ 382,000 | $ 127,333 | $ 37,000 |
| Bremerton, WA | 2 | $ 409,000 | $ 204,500 | $ 60,000 |
| Greenville-Spartanburg-Anderson, SC | 2 | $ 238,000 | $ 119,000 | $ 69,000 |
| Honolulu, HI | 2 | $ 348,000 | $ 174,000 | $ 96,000 |
| Jacksonville, FL | 2 | $ 272,000 | $ 136,000 | $ 45,000 |
| Los Angeles-Long Beach, CA | 2 | $ 779,000 | $ 389,500 | $ 158,000 |
| Lubbock, TX | 2 | $ 190,000 | $ 95,000 | $ 117,000 |
| Odessa-Midland, TX | 2 | $ 212,000 | $ 106,000 | $ 51,000 |
| Panama City, FL | 2 | $ 183,000 | $ 91,500 | $ 98,000 |
| Phoenix-Mesa, AZ | 2 | $ 336,000 | $ 168,000 | $ 72,000 |
| Rockford, IL | 2 | $ 231,000 | $ 115,500 | $ 26,000 |
| San Diego, CA | 2 | $ 1,037,000 | $ 518,500 | $ 169,000 |
| Santa Fe, NM | 2 | $ 391,000 | $ 195,500 | $ 51,000 |
| Spokane, WA | 2 | $ 411,000 | $ 205,500 | $ 85,000 |
| Springfield, MO | 2 | $ 188,000 | $ 94,000 | $ 163,000 |
| Toledo, OH | 2 | $ 156,000 | $ 78,000 | $ 29,000 |
| Waco, TX | 2 | $ 409,000 | $ 204,500 | $ 174,000 |
| Wilmington-Newark, DE-MD | 2 | $ 185,000 | $ 92,500 | $ 19,000 |
| Abilene, TX | 1 | $ 57,000 | $ 57,000 | $ 36,000 |
| Akron, OH | 1 | $ 292,000 | $ 292,000 | $ 2,000 |
| Amarillo, TX | 1 | $ 92,000 | $ 92,000 | $ 0 |
| Auburn-Opelika, AL | 1 | $ 141,000 | $ 141,000 | $ 84,000 |
| Baton Rouge, LA | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Dayton-Springfield, OH | 1 | $ 46,000 | $ 46,000 | $ 90,000 |
| Fort Myers-Cape Coral, FL | 1 | $ 323,000 | $ 323,000 | $ 157,000 |
| Fort Walton Beach, FL | 1 | $ 650,000 | $ 650,000 | $ 819,000 |
| Green Bay, WI | 1 | $ 248,000 | $ 248,000 | $ 23,000 |
| Hagerstown, MD | 1 | $ 228,000 | $ 228,000 | $ 88,000 |
| Houma, LA | 1 | $ 93,000 | $ 93,000 | $ 51,000 |
| Jackson, TN | 1 | $ 122,000 | $ 122,000 | $ 0 |
| Jacksonville, NC | 1 | $ 309,000 | $ 309,000 | $ 172,000 |
| Lakeland-Winter Haven, FL | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Las Cruces, NM | 1 | $ 212,000 | $ 212,000 | $ 0 |
| Little Rock-North Little Rock, AR | 1 | $ 190,000 | $ 190,000 | $ 0 |
| Macon, GA | 1 | $ 81,000 | $ 81,000 | $ 57,000 |
| Madison, WI | 1 | $ 452,000 | $ 452,000 | $ 236,000 |
| Melbourne-Titusville-Palm Bay, FL | 1 | $ 92,000 | $ 92,000 | $ 58,000 |
| Memphis, TN-AR-MS | 1 | $ 64,000 | $ 64,000 | $ 54,000 |
| New York, NY | 1 | $ 252,000 | $ 252,000 | $ 127,000 |
| Rapid City, SD | 1 | $ 67,000 | $ 67,000 | $ 59,000 |
| Richmond-Petersburg, VA | 1 | $ 86,000 | $ 86,000 | $ 48,000 |
| Sacramento, CA | 1 | $ 125,000 | $ 125,000 | $ 72,000 |
| Salinas, CA | 1 | $ 322,000 | $ 322,000 | $ 0 |
| South Bend, IN | 1 | $ 127,000 | $ 127,000 | $ 60,000 |
| St. Joseph, MO | 1 | $ 94,000 | $ 94,000 | $ 0 |
| Tyler, TX | 1 | $ 100,000 | $ 100,000 | $ 72,000 |
| Ventura, CA | 1 | $ 347,000 | $ 347,000 | $ 0 |
| Victoria, TX | 1 | $ 72,000 | $ 72,000 | $ 70,000 |
| Wilmington, NC | 1 | $ 288,000 | $ 288,000 | $ 205,000 |
Mortgage Loan Application Detail Totals for Jlm Direct Funding Ltd in 2003
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 (one-to-four family) | 972 | $146,195,000 | $174,971 | $990,000 | $83,657 | $780,000 |
| Refinancing (home purchase or home improvement, one-to-four family) | 693 | $128,626,000 | $176,827 | $949,000 | $85,586 | $900,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 3 | $404,000 | $134,666 | $204,000 | $0 | $0 |
| Home Improvement (one-to-four family) | 1 | $234,000 | $234,000 | $234,000 | $120,000 | $120,000 |
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 |
|---|---|---|---|---|---|---|
| White | 884 | $162,679,000 | $199,393 | $990,000 | $99,060 | $819,000 |
| Hispanic | 252 | $30,437,000 | $151,333 | $640,000 | $75,933 | $717,000 |
| Black | 235 | $32,601,000 | $132,000 | $650,000 | $55,736 | $900,000 |
| Information not provided by applicant in mail or telephone application | 193 | $34,273,000 | $147,941 | $644,000 | $70,529 | $648,000 |
| Asian or Pacific Islander | 83 | $11,956,000 | $223,444 | $490,000 | $80,333 | $521,000 |
| Other | 14 | $2,495,000 | $213,500 | $413,000 | $45,500 | $305,000 |
| American Indian or Alaskan Native | 8 | $1,018,000 | $172,000 | $323,000 | $97,333 | $166,000 |
| 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) | 1,669 | $275,459,000 | $178,473 | $990,000 | $87,526 | $900,000 |
| 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 | 880 | $153,357,000 | $185,464 | $949,000 | $81,642 | $717,000 |
| Application Withdrawn By Applicant | 454 | $72,159,000 | $163,000 | $990,000 | $75,000 | $900,000 |
| Application Denied By Financial Institution | 181 | $25,817,000 | $186,708 | $605,000 | $92,500 | $565,000 |
| Application Approved But Not Accepted | 144 | $22,226,000 | $165,666 | $592,000 | $83,000 | $648,000 |
| File Closed For Incompleteness | 10 | $1,900,000 | $244,250 | $677,000 | $143,750 | $315,000 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Other | 16 | $2,609,000 | $223,666 | $400,000 | $91,000 | $282,000 |
| Employment History | 5 | $469,000 | $112,000 | $146,000 | $48,500 | $120,000 |
| Collateral | 5 | $820,000 | $167,750 | $322,000 | $61,250 | $117,000 |
| Credit History | 2 | $179,000 | $89,500 | $105,000 | $58,500 | $117,000 |
| Debt-To-Income Ratio | 2 | $679,000 | $339,500 | $499,000 | $103,500 | $160,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $90,000 | $90,000 | $90,000 | $0 | $0 |
| Unverifiable Information | 1 | $315,000 | $315,000 | $315,000 | $76,000 | $76,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Jlm Direct Funding Ltd's 2003 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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