Key Mortgage Link, Inc; Mortgage Lending & HMDA Data, 2004
In 2004, Key Mortgage Link, Inc; of Dallas, TX reported 239 mortgage applications totaling $42.4 million, down 66% from 2003. The average application was for $177,280, and applicants reported an average income of $142,012. 100% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Dallas-Plano-Irving, TX (188), Fort Worth-Arlington, TX (12) and Houston-Baytown-Sugar Land, TX (6) (applications in parentheses).
| Mortgage Company & Address | Key Mortgage Link, Inc; 4849 Greenville Ave. #1680 Dallas, TX 75206 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2004 2003 |
| Total Number of Mortgage Applications | 239 |
| Total Mortgage Loan Application Amount | $42,370,000 |
| Average Mortgage Loan Application Amount | $177,280 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $142,012 |
| Highest Applicant Income | $1,515,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Key Mortgage Link, Inc; filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Dallas, Texas | 155 | $ 29,870,000 | $ 192,709 | $ 181,000 |
| Collin, Texas | 15 | $ 2,072,000 | $ 138,133 | $ 176,000 |
| Denton, Texas | 11 | $ 1,592,000 | $ 144,727 | $ 100,000 |
| Tarrant, Texas | 11 | $ 1,686,000 | $ 153,272 | $ 107,000 |
| Rockwall, Texas | 6 | $ 1,062,000 | $ 177,000 | $ 134,000 |
| Bexar, Texas | 3 | $ 532,000 | $ 177,333 | $ 106,000 |
| Brazoria, Texas | 3 | $ 333,000 | $ 111,000 | $ 149,000 |
| Smith, Texas | 3 | $ 341,000 | $ 113,666 | $ 41,000 |
| Livingston, Michigan | 2 | $ 388,000 | $ 194,000 | $ 74,000 |
| Santa Fe, New Mexico | 2 | $ 787,000 | $ 393,500 | $ 300,000 |
| Aransas, Texas | 2 | $ 262,000 | $ 131,000 | $ 418,000 |
| Montgomery, Texas | 2 | $ 158,000 | $ 79,000 | $ 103,000 |
| Somervell, Texas | 2 | $ 185,000 | $ 92,500 | $ 105,000 |
| Travis, Texas | 2 | $ 482,000 | $ 241,000 | $ 110,000 |
| El Paso, Colorado | 1 | $ 120,000 | $ 120,000 | $ 204,000 |
| Cleveland, Oklahoma | 1 | $ 53,000 | $ 53,000 | $ 60,000 |
| Bell, Texas | 1 | $ 182,000 | $ 182,000 | $ 56,000 |
| Cameron, Texas | 1 | $ 68,000 | $ 68,000 | $ 158,000 |
| Erath, Texas | 1 | $ 181,000 | $ 181,000 | $ 98,000 |
| Grayson, Texas | 1 | $ 90,000 | $ 90,000 | $ 94,000 |
| Harris, Texas | 1 | $ 159,000 | $ 159,000 | $ 43,000 |
| Johnson, Texas | 1 | $ 150,000 | $ 150,000 | $ 70,000 |
| Kaufman, Texas | 1 | $ 82,000 | $ 82,000 | $ 30,000 |
| Williamson, Texas | 1 | $ 109,000 | $ 109,000 | $ 53,000 |
Mortgage Loan Application Detail Totals for Key Mortgage Link, Inc; in 2004
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 |
|---|---|---|---|---|---|---|
| Refinancing | 121 | $22,655,000 | $209,666 | $850,000 | $203,000 | $1,515,000 |
| Home Purchase | 118 | $19,715,000 | $180,000 | $1,000,000 | $106,500 | $976,000 |
| 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 | 180 | $31,655,000 | $183,750 | $850,000 | $176,250 | $868,000 |
| Not Provided | 45 | $7,637,000 | $224,333 | $637,000 | $218,000 | $1,515,000 |
| Hispanic | 9 | $1,409,000 | $156,000 | $400,000 | $110,000 | $285,000 |
| Asian | 4 | $1,499,000 | $374,000 | $1,000,000 | $321,000 | $976,000 |
| Black or African American | 1 | $170,000 | $170,000 | $170,000 | $75,000 | $75,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 239 | $42,370,000 | $208,000 | $1,000,000 | $202,833 | $1,515,000 |
| 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 | 239 | $42,370,000 | $208,000 | $1,000,000 | $202,833 | $1,515,000 |
| 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 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Denied By Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Key Mortgage Link, Inc;'s 2004 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 Key Mortgage Link, 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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