Kba Mortgage, LLC Mortgage Lending & HMDA Data, 2011
In 2011, Kba Mortgage, LLC of Plano, TX reported 2,775 mortgage applications totaling $496.4 million. The average application was for $178,883, and applicants reported an average income of $73,057. 56% of its applications resulted in an originated loan and 30% were denied. Its largest markets were Houston-Sugar Land-Baytown, TX (356), San Antonio-New Braunfels, TX (243) and Las Vegas-Paradise, NV (242) (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 | 2011 |
| Total Number of Mortgage Applications | 2,775 |
| Total Mortgage Loan Application Amount | $496,402,000 |
| Average Mortgage Loan Application Amount | $178,883 |
| Highest Mortgage Loan Application Amount | $823,000 |
| Average Applicant Income | $73,057 |
| Highest Applicant Income | $1,035,000 |
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Act (HMDA) records Kba Mortgage, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Harris, Texas | 269 | $ 29,405,000 | $ 109,312 | $ 55,000 |
| Clark, Nevada | 242 | $ 34,989,000 | $ 144,582 | $ 68,000 |
| Bexar, Texas | 191 | $ 31,623,000 | $ 165,565 | $ 71,000 |
| Riverside, California | 145 | $ 35,891,000 | $ 247,524 | $ 92,000 |
| Travis, Texas | 138 | $ 20,774,000 | $ 150,536 | $ 64,000 |
| Los Angeles, California | 125 | $ 26,589,000 | $ 212,712 | $ 89,000 |
| Maricopa, Arizona | 88 | $ 12,996,000 | $ 147,681 | $ 60,000 |
| Pima, Arizona | 78 | $ 11,278,000 | $ 144,589 | $ 54,000 |
| Duval, Florida | 67 | $ 9,195,000 | $ 137,238 | $ 58,000 |
| San Joaquin, California | 66 | $ 10,427,000 | $ 157,984 | $ 76,000 |
| Fresno, California | 61 | $ 6,407,000 | $ 105,032 | $ 41,000 |
| Denver, Colorado | 59 | $ 12,664,000 | $ 214,644 | $ 93,000 |
| Williamson, Texas | 59 | $ 10,831,000 | $ 183,576 | $ 71,000 |
| Hillsborough, Florida | 57 | $ 9,359,000 | $ 164,192 | $ 66,000 |
| Alameda, California | 49 | $ 14,505,000 | $ 296,020 | $ 102,000 |
| Sacramento, California | 49 | $ 9,725,000 | $ 198,469 | $ 69,000 |
| Tarrant, Texas | 48 | $ 6,288,000 | $ 131,000 | $ 54,000 |
| San Diego, California | 42 | $ 14,117,000 | $ 336,119 | $ 122,000 |
| Volusia, Florida | 42 | $ 5,218,000 | $ 124,238 | $ 70,000 |
| Bernalillo, New Mexico | 39 | $ 5,098,000 | $ 130,717 | $ 68,000 |
| Orange, California | 36 | $ 15,665,000 | $ 435,138 | $ 149,000 |
| San Bernardino, California | 36 | $ 7,780,000 | $ 216,111 | $ 78,000 |
| Montgomery, Texas | 36 | $ 3,940,000 | $ 109,444 | $ 53,000 |
| Guadalupe, Texas | 35 | $ 4,775,000 | $ 136,428 | $ 65,000 |
| Orange, Florida | 34 | $ 6,266,000 | $ 184,294 | $ 84,000 |
| Hays, Texas | 34 | $ 4,223,000 | $ 124,205 | $ 54,000 |
| San Mateo, California | 33 | $ 18,556,000 | $ 562,303 | $ 173,000 |
| Mecklenburg, North Carolina | 33 | $ 4,937,000 | $ 149,606 | $ 57,000 |
| Placer, California | 30 | $ 6,533,000 | $ 217,766 | $ 70,000 |
| Dallas, Texas | 30 | $ 3,481,000 | $ 116,033 | $ 51,000 |
| Durham, North Carolina | 28 | $ 4,136,000 | $ 147,714 | $ 74,000 |
| Wake, North Carolina | 28 | $ 6,621,000 | $ 236,464 | $ 94,000 |
| Bell, Texas | 26 | $ 3,750,000 | $ 144,230 | $ 62,000 |
| Lake, Florida | 24 | $ 3,531,000 | $ 147,125 | $ 58,000 |
| Fort Bend, Texas | 24 | $ 2,672,000 | $ 111,333 | $ 55,000 |
| Fairfax, Virginia | 24 | $ 11,797,000 | $ 491,541 | $ 171,000 |
| Madera, California | 23 | $ 2,971,000 | $ 129,173 | $ 41,000 |
| Yuba, California | 22 | $ 3,285,000 | $ 149,318 | $ 59,000 |
| Adams, Colorado | 22 | $ 5,188,000 | $ 235,818 | $ 76,000 |
| Washoe, Nevada | 18 | $ 3,358,000 | $ 186,555 | $ 83,000 |
| Nassau, Florida | 17 | $ 2,870,000 | $ 168,823 | $ 61,000 |
| Sutter, California | 16 | $ 2,318,000 | $ 144,875 | $ 56,000 |
| Polk, Florida | 16 | $ 1,949,000 | $ 121,812 | $ 41,000 |
| Kendall, Texas | 16 | $ 3,332,000 | $ 208,250 | $ 75,000 |
| Jefferson, Colorado | 15 | $ 5,071,000 | $ 338,066 | $ 124,000 |
| Brazoria, Texas | 15 | $ 2,252,000 | $ 150,133 | $ 73,000 |
| Clay, Florida | 13 | $ 1,811,000 | $ 139,307 | $ 55,000 |
| Santa Clara, California | 12 | $ 4,009,000 | $ 334,083 | $ 95,000 |
| Manatee, Florida | 12 | $ 1,800,000 | $ 150,000 | $ 52,000 |
| Galveston, Texas | 12 | $ 1,886,000 | $ 157,166 | $ 75,000 |
| Osceola, Florida | 11 | $ 1,474,000 | $ 134,000 | $ 57,000 |
| Johnston, North Carolina | 11 | $ 1,508,000 | $ 137,090 | $ 55,000 |
| Charles, Maryland | 10 | $ 3,812,000 | $ 381,200 | $ 92,000 |
| Pasco, Florida | 9 | $ 1,495,000 | $ 166,111 | $ 62,000 |
| St. Johns, Florida | 9 | $ 1,705,000 | $ 189,444 | $ 82,000 |
| York, South Carolina | 9 | $ 841,000 | $ 93,444 | $ 86,000 |
| Arapahoe, Colorado | 7 | $ 1,324,000 | $ 189,142 | $ 70,000 |
| Weld, Colorado | 7 | $ 1,031,000 | $ 147,285 | $ 54,000 |
| Union, North Carolina | 7 | $ 1,071,000 | $ 153,000 | $ 47,000 |
| Lexington, South Carolina | 7 | $ 1,029,000 | $ 147,000 | $ 69,000 |
| Cherokee, Georgia | 6 | $ 1,000,000 | $ 166,666 | $ 53,000 |
| Loudoun, Virginia | 6 | $ 2,606,000 | $ 434,333 | $ 124,000 |
| Stanislaus, California | 5 | $ 547,000 | $ 109,400 | $ 52,000 |
| San Benito, California | 4 | $ 1,126,000 | $ 281,500 | $ 135,000 |
| Berkeley, South Carolina | 4 | $ 820,000 | $ 205,000 | $ 84,000 |
| Contra Costa, California | 3 | $ 1,035,000 | $ 345,000 | $ 119,000 |
| Douglas, Colorado | 3 | $ 640,000 | $ 213,333 | $ 80,000 |
| Dorchester, South Carolina | 3 | $ 347,000 | $ 115,666 | $ 42,000 |
| Indian River, Florida | 2 | $ 288,000 | $ 144,000 | $ 138,000 |
| Lee, Florida | 2 | $ 129,000 | $ 64,500 | $ 57,000 |
| St. Lucie, Florida | 2 | $ 239,000 | $ 119,500 | $ 49,000 |
| Iredell, North Carolina | 2 | $ 356,000 | $ 178,000 | $ 68,000 |
| Collin, Texas | 2 | $ 432,000 | $ 216,000 | $ 73,000 |
| El Dorado, California | 1 | $ 580,000 | $ 580,000 | $ 268,000 |
| Imperial, California | 1 | $ 148,000 | $ 148,000 | $ 43,000 |
| Solano, California | 1 | $ 200,000 | $ 200,000 | $ 51,000 |
| Sonoma, California | 1 | $ 390,000 | $ 390,000 | $ 114,000 |
| Ventura, California | 1 | $ 823,000 | $ 823,000 | $ 237,000 |
| Charlotte, Florida | 1 | $ 112,000 | $ 112,000 | $ 78,000 |
| Palm Beach, Florida | 1 | $ 100,000 | $ 100,000 | $ 51,000 |
| Prince George's, Maryland | 1 | $ 448,000 | $ 448,000 | $ 83,000 |
| Middlesex, New Jersey | 1 | $ 471,000 | $ 471,000 | $ 252,000 |
| Comal, Texas | 1 | $ 133,000 | $ 133,000 | $ 105,000 |
Mortgage Loan Application Detail Totals for Kba Mortgage, LLC in 2011
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 | 2,765 | $494,048,000 | $178,000 | $727,000 | $73,000 | $1,035,000 |
| Refinancing | 10 | $2,354,000 | $235,000 | $823,000 | $89,000 | $237,000 |
| 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 | 1,084 | $198,407,000 | $183,000 | $823,000 | $79,000 | $604,000 |
| Not Provided | 627 | $110,803,000 | $176,000 | $727,000 | $72,000 | $395,000 |
| Hispanic | 520 | $80,651,000 | $155,000 | $555,000 | $60,000 | $304,000 |
| Black or African American | 276 | $45,903,000 | $166,000 | $585,000 | $60,000 | $229,000 |
| Asian | 239 | $55,648,000 | $232,000 | $716,000 | $92,000 | $1,035,000 |
| Native Hawaiian or Other Pacific Islander | 23 | $3,971,000 | $172,000 | $340,000 | $67,000 | $162,000 |
| American Indian or Alaskan Native | 6 | $1,019,000 | $169,000 | $260,000 | $57,000 | $72,000 |
| 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) | 1,490 | $267,260,000 | $179,000 | $727,000 | $65,000 | $503,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 675 | $112,672,000 | $166,000 | $823,000 | $94,000 | $1,035,000 |
| VA-guaranteed (Veterans Administration) | 498 | $97,983,000 | $196,000 | $585,000 | $72,000 | $230,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 112 | $18,487,000 | $165,000 | $382,000 | $51,000 | $86,000 |
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 | 1,559 | $281,687,000 | $180,000 | $716,000 | $75,000 | $1,035,000 |
| Application Denied By Financial Institution | 826 | $143,908,000 | $174,000 | $569,000 | $65,000 | $604,000 |
| Application Withdrawn By Applicant | 371 | $65,472,000 | $176,000 | $727,000 | $77,000 | $467,000 |
| Application Approved But Not Accepted | 17 | $4,958,000 | $291,000 | $823,000 | $114,000 | $304,000 |
| File Closed For Incompleteness | 2 | $377,000 | $188,000 | $196,000 | $95,000 | $129,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 330 | $57,623,000 | $174,000 | $561,000 | $58,000 | $271,000 |
| Credit History | 195 | $35,448,000 | $181,000 | $558,000 | $71,000 | $503,000 |
| Unverifiable Information | 94 | $16,168,000 | $172,000 | $475,000 | $80,000 | $604,000 |
| Credit Application Incomplete | 74 | $11,837,000 | $159,000 | $569,000 | $66,000 | $256,000 |
| Other | 50 | $8,709,000 | $174,000 | $364,000 | $66,000 | $201,000 |
| Employment History | 31 | $4,722,000 | $152,000 | $293,000 | $54,000 | $174,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 28 | $4,771,000 | $170,000 | $448,000 | $66,000 | $145,000 |
| Collateral | 24 | $4,630,000 | $192,000 | $404,000 | $70,000 | $126,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Kba Mortgage, LLC's 2011 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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