Kba Mortgage, LLC Mortgage Lending & HMDA Data, 2010
In 2010, Kba Mortgage, LLC of Plano, TX reported 9,168 mortgage applications totaling $1.7 billion, down 20% from 2009. The average application was for $185,636, and applicants reported an average income of $69,092. 62% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Houston-Sugar Land-Baytown, TX (1,206), San Antonio-New Braunfels, TX (949) and Austin-Round Rock-San Marcos, TX (888) (applications in parentheses).
| Mortgage Company & Address | Kba Mortgage, LLC 6400 Legacy Drive Plano, TX 75024 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 |
| Total Number of Mortgage Applications | 9,168 |
| Total Mortgage Loan Application Amount | $1,701,912,000 |
| Average Mortgage Loan Application Amount | $185,636 |
| Highest Mortgage Loan Application Amount | $1,050,000 |
| Average Applicant Income | $69,092 |
| Highest Applicant Income | $923,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Kba Mortgage, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,206 | $ 145,325,000 | $ 120,501 | $ 52,000 |
| San Antonio-New Braunfels, TX | 949 | $ 151,847,000 | $ 160,007 | $ 66,000 |
| Austin-Round Rock-San Marcos, TX | 888 | $ 144,834,000 | $ 163,101 | $ 64,000 |
| Las Vegas-Paradise, NV | 628 | $ 97,907,000 | $ 155,902 | $ 67,000 |
| Riverside-San Bernardino-Ontario, CA | 603 | $ 123,646,000 | $ 205,051 | $ 67,000 |
| Los Angeles-Long Beach-Glendale, CA | 352 | $ 83,287,000 | $ 236,610 | $ 80,000 |
| Jacksonville, FL | 338 | $ 47,333,000 | $ 140,038 | $ 57,000 |
| Denver-Aurora-Broomfield, CO | 323 | $ 63,999,000 | $ 198,139 | $ 79,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 316 | $ 118,394,000 | $ 374,664 | $ 117,000 |
| Phoenix-Mesa-Glendale, AZ | 281 | $ 37,379,000 | $ 133,021 | $ 55,000 |
| Tucson, AZ | 270 | $ 37,063,000 | $ 137,270 | $ 51,000 |
| Oakland-Fremont-Hayward, CA | 263 | $ 117,563,000 | $ 447,007 | $ 127,000 |
| Orlando-Kissimmee-Sanford, FL | 237 | $ 31,277,000 | $ 131,970 | $ 53,000 |
| Stockton, CA | 224 | $ 46,088,000 | $ 205,750 | $ 67,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 208 | $ 26,771,000 | $ 128,706 | $ 50,951 |
| Dallas-Plano-Irving, TX | 187 | $ 23,770,000 | $ 127,112 | $ 51,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 162 | $ 21,358,000 | $ 131,839 | $ 68,000 |
| Charleston-North Charleston-Summerville, SC | 151 | $ 23,091,000 | $ 152,920 | $ 56,000 |
| Fort Worth-Arlington, TX | 147 | $ 18,347,000 | $ 124,809 | $ 55,000 |
| Santa Ana-Anaheim-Irvine, CA | 143 | $ 66,544,000 | $ 465,342 | $ 144,000 |
| Tampa-St. Petersburg-Clearwater, FL | 140 | $ 21,579,000 | $ 154,135 | $ 61,000 |
| Raleigh-Cary, NC | 139 | $ 28,832,000 | $ 207,424 | $ 78,000 |
| San Diego-Carlsbad-San Marcos, CA | 103 | $ 36,862,000 | $ 357,883 | $ 114,000 |
| Columbia, SC | 85 | $ 16,219,000 | $ 190,811 | $ 75,000 |
| Greeley, CO | 82 | $ 11,727,000 | $ 143,012 | $ 57,000 |
| Reno-Sparks, NV | 78 | $ 15,277,000 | $ 195,858 | $ 72,000 |
| North Port-Bradenton-Sarasota, FL | 73 | $ 8,315,000 | $ 113,904 | $ 66,000 |
| Albuquerque, NM | 71 | $ 9,670,000 | $ 136,197 | $ 67,000 |
| Killeen-Temple-Fort Hood, TX | 68 | $ 10,332,000 | $ 151,941 | $ 71,000 |
| San Francisco-San Mateo-Redwood City, CA | 63 | $ 34,446,000 | $ 546,761 | $ 152,000 |
| Fresno, CA | 58 | $ 8,305,000 | $ 143,189 | $ 43,000 |
| Durham-Chapel Hill, NC | 57 | $ 9,923,000 | $ 174,087 | $ 65,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 55 | $ 26,041,000 | $ 473,472 | $ 147,654 |
| Lakeland-Winter Haven, FL | 41 | $ 5,576,000 | $ 136,000 | $ 55,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 39 | $ 8,770,000 | $ 224,871 | $ 77,000 |
| Yuba City, CA | 39 | $ 6,277,000 | $ 160,948 | $ 52,000 |
| Madera-Chowchilla, CA | 30 | $ 4,079,000 | $ 135,966 | $ 41,000 |
| El Centro, CA | 6 | $ 867,000 | $ 144,500 | $ 59,000 |
| Modesto, CA | 6 | $ 890,000 | $ 148,333 | $ 73,000 |
| Cape Coral-Fort Myers, FL | 5 | $ 307,000 | $ 61,400 | $ 44,000 |
| Sebastian-Vero Beach, FL | 5 | $ 672,000 | $ 134,400 | $ 60,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 4 | $ 1,583,000 | $ 395,750 | $ 174,000 |
| Trenton-Ewing, NJ | 3 | $ 471,000 | $ 157,000 | $ 85,000 |
| Vallejo-Fairfield, CA | 3 | $ 1,464,000 | $ 488,000 | $ 215,000 |
| Baltimore-Towson, MD | 2 | $ 706,000 | $ 353,000 | $ 108,000 |
| Boulder, CO | 2 | $ 220,000 | $ 110,000 | $ 20,000 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 437,000 | $ 218,500 | $ 297,000 |
| Chicago-Joliet-Naperville, IL | 2 | $ 280,000 | $ 140,000 | $ 40,000 |
| Fort Collins-Loveland, CO | 2 | $ 228,000 | $ 114,000 | $ 50,000 |
| Punta Gorda, FL | 2 | $ 248,000 | $ 124,000 | $ 42,000 |
| Tulsa, OK | 2 | $ 258,000 | $ 129,000 | $ 70,000 |
| Bethesda-Rockville-Frederick, MD | 1 | $ 275,000 | $ 275,000 | $ 77,000 |
| Bremerton-Silverdale, WA | 1 | $ 147,000 | $ 147,000 | $ 29,000 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 103,000 | $ 103,000 | $ 72,000 |
| Des Moines-West Des Moines, IA | 1 | $ 97,000 | $ 97,000 | $ 0 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 253,000 | $ 253,000 | $ 105,000 |
| Jackson, MS | 1 | $ 270,000 | $ 270,000 | $ 138,000 |
| Jonesboro, AR | 1 | $ 163,000 | $ 163,000 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 173,000 | $ 173,000 | $ 128,000 |
| Newark-Union, NJ-PA | 1 | $ 409,000 | $ 409,000 | $ 156,000 |
| Port St. Lucie, FL | 1 | $ 115,000 | $ 115,000 | $ 34,000 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 377,000 | $ 377,000 | $ 186,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 237,000 | $ 237,000 | $ 53,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 173,000 | $ 173,000 | $ 78,000 |
| Spokane, WA | 1 | $ 153,000 | $ 153,000 | $ 110,000 |
| St. Louis, MO-IL | 1 | $ 79,000 | $ 79,000 | $ 33,000 |
Mortgage Loan Application Detail Totals for Kba Mortgage, LLC 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 | 9,074 | $1,679,509,000 | $185,000 | $1,050,000 | $69,000 | $923,000 |
| Refinancing | 94 | $22,403,000 | $238,000 | $937,000 | $78,000 | $326,000 |
| 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 | 3,425 | $624,888,000 | $182,000 | $945,000 | $74,000 | $923,000 |
| Not Provided | 2,029 | $408,309,000 | $201,000 | $1,050,000 | $72,000 | $390,000 |
| Hispanic | 1,827 | $276,866,000 | $151,000 | $592,000 | $54,000 | $348,000 |
| Black or African American | 1,015 | $147,083,000 | $144,000 | $615,000 | $54,000 | $267,000 |
| Asian | 796 | $231,203,000 | $290,000 | $746,000 | $95,000 | $348,000 |
| Native Hawaiian or Other Pacific Islander | 49 | $8,595,000 | $175,000 | $379,000 | $58,000 | $126,000 |
| American Indian or Alaskan Native | 27 | $4,968,000 | $184,000 | $417,000 | $67,000 | $188,000 |
| 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 5,680 | $997,296,000 | $175,000 | $746,000 | $61,000 | $923,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2,017 | $436,638,000 | $216,000 | $1,050,000 | $94,000 | $550,000 |
| VA-guaranteed (Veterans Administration) | 1,206 | $227,221,000 | $188,000 | $652,000 | $70,000 | $311,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 265 | $40,757,000 | $153,000 | $261,000 | $47,000 | $105,000 |
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 | 5,705 | $1,068,524,000 | $187,000 | $937,000 | $71,000 | $923,000 |
| Application Denied By Financial Institution | 2,045 | $349,908,000 | $171,000 | $746,000 | $60,000 | $386,000 |
| Application Withdrawn By Applicant | 1,267 | $254,884,000 | $201,000 | $1,050,000 | $75,000 | $401,000 |
| Application Approved But Not Accepted | 137 | $26,109,000 | $190,000 | $721,000 | $80,000 | $304,000 |
| File Closed For Incompleteness | 11 | $2,010,000 | $182,000 | $417,000 | $67,000 | $236,000 |
| Preapproval Denied by Financial Institution | 3 | $477,000 | $159,000 | $186,000 | $57,000 | $90,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 707 | $118,905,000 | $168,000 | $730,000 | $53,000 | $253,000 |
| Credit History | 666 | $104,524,000 | $156,000 | $655,000 | $59,000 | $281,000 |
| Credit Application Incomplete | 185 | $39,724,000 | $214,000 | $746,000 | $76,000 | $330,000 |
| Unverifiable Information | 184 | $37,677,000 | $204,000 | $664,000 | $78,000 | $348,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 101 | $15,225,000 | $150,000 | $630,000 | $56,000 | $265,000 |
| Employment History | 97 | $14,685,000 | $151,000 | $521,000 | $51,000 | $274,000 |
| Other | 88 | $15,087,000 | $171,000 | $543,000 | $73,000 | $386,000 |
| Collateral | 19 | $4,245,000 | $223,000 | $642,000 | $76,000 | $153,000 |
| Mortgage Insurance Denied | 1 | $313,000 | $313,000 | $313,000 | $83,000 | $83,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Kba Mortgage, LLC'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 Kba Mortgage, LLC'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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