Lending.Com Mortgage Lending & HMDA Data, 2007
In 2007, Lending.Com of Dallas, TX reported 673 mortgage applications totaling $126.0 million. The average application was for $187,156, and applicants reported an average income of $75,586. 16% of its applications resulted in an originated loan and 47% were denied. Its largest markets were Dallas-Plano-Irving, TX (63), Washington-Arlington-Alexandria, DC-VA-MD-WV (37) and Houston-Sugar Land-Baytown, TX (35) (applications in parentheses).
| Mortgage Company & Address | Lending.Com 12700 Park Central 21st Floor Dallas, TX 75251 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2008 2007 |
| Total Number of Mortgage Applications | 673 |
| Total Mortgage Loan Application Amount | $125,956,000 |
| Average Mortgage Loan Application Amount | $187,156 |
| Highest Mortgage Loan Application Amount | $1,170,000 |
| Average Applicant Income | $75,586 |
| Highest Applicant Income | $925,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Lending.Com filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Dallas-Plano-Irving, TX | 63 | $ 10,392,000 | $ 164,952 | $ 85,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 37 | $ 11,439,000 | $ 309,162 | $ 114,216 |
| Houston-Sugar Land-Baytown, TX | 35 | $ 4,780,000 | $ 136,571 | $ 99,000 |
| Orlando-Kissimmee, FL | 28 | $ 4,909,000 | $ 175,321 | $ 48,000 |
| Tampa-St. Petersburg-Clearwater, FL | 28 | $ 5,290,000 | $ 188,928 | $ 66,000 |
| Fort Worth-Arlington, TX | 23 | $ 3,932,000 | $ 170,956 | $ 73,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 19 | $ 3,791,000 | $ 199,526 | $ 60,000 |
| Richmond, VA | 18 | $ 3,440,000 | $ 191,111 | $ 56,000 |
| Jacksonville, FL | 16 | $ 3,281,000 | $ 205,062 | $ 57,000 |
| San Antonio, TX | 15 | $ 2,404,000 | $ 160,266 | $ 111,000 |
| Austin-Round Rock, TX | 14 | $ 2,412,000 | $ 172,285 | $ 77,000 |
| Los Angeles-Long Beach-Glendale, CA | 14 | $ 5,574,000 | $ 398,142 | $ 96,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 13 | $ 2,250,000 | $ 173,076 | $ 69,000 |
| Chicago-Naperville-Joliet, IL | 12 | $ 2,403,000 | $ 200,250 | $ 78,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 12 | $ 2,521,000 | $ 210,083 | $ 93,000 |
| El Paso, TX | 11 | $ 1,203,000 | $ 109,363 | $ 56,000 |
| Riverside-San Bernardino-Ontario, CA | 11 | $ 3,248,000 | $ 295,272 | $ 79,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 11 | $ 3,588,000 | $ 326,181 | $ 64,000 |
| Miami-Miami Beach-Kendall, FL | 9 | $ 1,714,000 | $ 190,444 | $ 58,000 |
| Palm Bay-Melbourne-Titusville, FL | 9 | $ 1,490,000 | $ 165,555 | $ 71,000 |
| Lakeland, FL | 8 | $ 1,181,000 | $ 147,625 | $ 183,000 |
| Ocala, FL | 7 | $ 1,243,000 | $ 177,571 | $ 58,000 |
| Pensacola-Ferry Pass-Brent, FL | 7 | $ 836,000 | $ 119,428 | $ 47,000 |
| Oakland-Fremont-Hayward, CA | 6 | $ 2,251,000 | $ 375,166 | $ 116,000 |
| Panama City-Lynn Haven, FL | 6 | $ 1,075,000 | $ 179,166 | $ 85,000 |
| Sarasota-Bradenton-Venice, FL | 6 | $ 926,000 | $ 154,333 | $ 68,000 |
| Roanoke, VA | 5 | $ 1,271,000 | $ 254,200 | $ 105,000 |
| San Diego-Carlsbad-San Marcos, CA | 5 | $ 1,754,000 | $ 350,800 | $ 93,000 |
| Tallahassee, FL | 5 | $ 523,000 | $ 104,600 | $ 74,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 4 | $ 386,000 | $ 96,500 | $ 38,000 |
| McAllen-Edinburg-Mission, TX | 4 | $ 514,000 | $ 128,500 | $ 69,000 |
| Modesto, CA | 4 | $ 1,078,000 | $ 269,500 | $ 90,000 |
| Port St. Lucie, FL | 4 | $ 557,000 | $ 139,250 | $ 57,000 |
| Sebastian-Vero Beach, FL | 4 | $ 660,000 | $ 165,000 | $ 59,000 |
| Atlanta-Sandy Springs-Marietta, GA | 3 | $ 404,000 | $ 134,666 | $ 58,000 |
| Beaumont-Port Arthur, TX | 3 | $ 429,000 | $ 143,000 | $ 65,000 |
| Brownsville-Harlingen, TX | 3 | $ 387,000 | $ 129,000 | $ 41,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 735,000 | $ 245,000 | $ 64,000 |
| Corpus Christi, TX | 3 | $ 344,000 | $ 114,666 | $ 66,000 |
| Lake County-Kenosha County, IL-WI | 3 | $ 639,000 | $ 213,000 | $ 54,000 |
| San Francisco-San Mateo-Redwood City, CA | 3 | $ 1,063,000 | $ 354,333 | $ 115,000 |
| Santa Ana-Anaheim-Irvine, CA | 3 | $ 725,000 | $ 241,666 | $ 52,000 |
| Tyler, TX | 3 | $ 471,000 | $ 157,000 | $ 92,000 |
| Visalia-Porterville, CA | 3 | $ 786,000 | $ 262,000 | $ 78,000 |
| Amarillo, TX | 2 | $ 188,000 | $ 94,000 | $ 102,000 |
| Bakersfield, CA | 2 | $ 622,000 | $ 311,000 | $ 121,000 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 617,000 | $ 308,500 | $ 55,000 |
| Charlottesville, VA | 2 | $ 296,000 | $ 148,000 | $ 117,000 |
| College Station-Bryan, TX | 2 | $ 524,000 | $ 262,000 | $ 119,000 |
| Fort Walton Beach-Crestview-Destin, FL | 2 | $ 110,000 | $ 55,000 | $ 44,000 |
| Killeen-Temple-Fort Hood, TX | 2 | $ 364,000 | $ 182,000 | $ 150,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 332,000 | $ 166,000 | $ 92,000 |
| Longview, TX | 2 | $ 207,000 | $ 103,500 | $ 74,000 |
| Lubbock, TX | 2 | $ 164,000 | $ 82,000 | $ 28,000 |
| Lynchburg, VA | 2 | $ 233,000 | $ 116,500 | $ 62,000 |
| Napa, CA | 2 | $ 506,000 | $ 253,000 | $ 92,000 |
| Naples-Marco Island, FL | 2 | $ 516,000 | $ 258,000 | $ 49,000 |
| New Haven-Milford, CT | 2 | $ 198,000 | $ 99,000 | $ 68,000 |
| Waco, TX | 2 | $ 301,000 | $ 150,500 | $ 89,000 |
| Albuquerque, NM | 1 | $ 155,000 | $ 155,000 | $ 75,000 |
| Baltimore-Towson, MD | 1 | $ 200,000 | $ 200,000 | $ 65,000 |
| Baton Rouge, LA | 1 | $ 140,000 | $ 140,000 | $ 23,000 |
| Bethesda-Gaithersburg-Frederick, MD | 1 | $ 233,000 | $ 233,000 | $ 90,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 315,000 | $ 315,000 | $ 71,000 |
| Boston-Quincy, MA | 1 | $ 236,000 | $ 236,000 | $ 300,000 |
| Brunswick, GA | 1 | $ 50,000 | $ 50,000 | $ 48,000 |
| Charlotte-Gastonia-Concord, NC-SC | 1 | $ 150,000 | $ 150,000 | $ 52,000 |
| Chico, CA | 1 | $ 75,000 | $ 75,000 | $ 29,000 |
| Colorado Springs, CO | 1 | $ 196,000 | $ 196,000 | $ 50,000 |
| Columbia, SC | 1 | $ 40,000 | $ 40,000 | $ 130,000 |
| Columbus, GA-AL | 1 | $ 108,000 | $ 108,000 | $ 67,000 |
| Danville, VA | 1 | $ 100,000 | $ 100,000 | $ 52,000 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 112,000 | $ 112,000 | $ 30,000 |
| Durham, NC | 1 | $ 150,000 | $ 150,000 | $ 36,000 |
| Elkhart-Goshen, IN | 1 | $ 121,000 | $ 121,000 | $ 25,000 |
| Farmington, NM | 1 | $ 162,000 | $ 162,000 | $ 54,000 |
| Fresno, CA | 1 | $ 130,000 | $ 130,000 | $ 114,000 |
| Gainesville, FL | 1 | $ 170,000 | $ 170,000 | $ 96,000 |
| Hanford-Corcoran, CA | 1 | $ 300,000 | $ 300,000 | $ 44,000 |
| Jackson, MS | 1 | $ 74,000 | $ 74,000 | $ 19,000 |
| Memphis, TN-MS-AR | 1 | $ 100,000 | $ 100,000 | $ 47,000 |
| Merced, CA | 1 | $ 310,000 | $ 310,000 | $ 90,000 |
| Midland, TX | 1 | $ 153,000 | $ 153,000 | $ 31,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 239,000 | $ 239,000 | $ 107,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 125,000 | $ 125,000 | $ 47,000 |
| Mobile, AL | 1 | $ 75,000 | $ 75,000 | $ 15,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 739,000 | $ 739,000 | $ 129,000 |
| Peoria, IL | 1 | $ 62,000 | $ 62,000 | $ 39,000 |
| Punta Gorda, FL | 1 | $ 208,000 | $ 208,000 | $ 90,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 370,000 | $ 370,000 | $ 160,000 |
| Santa Fe, NM | 1 | $ 235,000 | $ 235,000 | $ 37,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 409,000 | $ 409,000 | $ 121,000 |
| Springfield, IL | 1 | $ 268,000 | $ 268,000 | $ 96,000 |
| St. Louis, MO-IL | 1 | $ 70,000 | $ 70,000 | $ 36,000 |
| Stockton, CA | 1 | $ 370,000 | $ 370,000 | $ 104,000 |
| Vallejo-Fairfield, CA | 1 | $ 407,000 | $ 407,000 | $ 153,000 |
| Wichita Falls, TX | 1 | $ 54,000 | $ 54,000 | $ 90,000 |
| Yuba City, CA | 1 | $ 169,000 | $ 169,000 | $ 34,000 |
Mortgage Loan Application Detail Totals for Lending.Com in 2007
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 | 376 | $74,331,000 | $197,000 | $1,170,000 | $80,000 | $900,000 |
| Home Purchase | 297 | $51,625,000 | $173,000 | $910,000 | $70,000 | $925,000 |
| 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 | 292 | $58,559,000 | $200,000 | $1,170,000 | $82,000 | $900,000 |
| Not Provided | 283 | $51,108,000 | $180,000 | $672,000 | $67,000 | $300,000 |
| Hispanic | 48 | $7,726,000 | $160,000 | $504,000 | $73,000 | $240,000 |
| Black or African American | 38 | $5,974,000 | $157,000 | $542,000 | $69,000 | $240,000 |
| Asian | 8 | $1,726,000 | $215,000 | $540,000 | $99,000 | $210,000 |
| American Indian or Alaskan Native | 3 | $521,000 | $173,000 | $200,000 | $336,000 | $925,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $342,000 | $342,000 | $342,000 | $81,000 | $81,000 |
| 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) | 660 | $124,273,000 | $188,000 | $1,170,000 | $76,000 | $925,000 |
| FHA-insured (Federal Housing Administration) | 9 | $1,187,000 | $131,000 | $311,000 | $47,000 | $83,000 |
| VA-guaranteed (Veterans Administration) | 4 | $496,000 | $124,000 | $170,000 | $42,000 | $81,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 316 | $55,085,000 | $174,000 | $1,170,000 | $62,000 | $925,000 |
| Application Withdrawn By Applicant | 222 | $47,500,000 | $213,000 | $910,000 | $92,000 | $900,000 |
| Loan Originated | 105 | $16,973,000 | $161,000 | $417,000 | $75,000 | $219,000 |
| Application Approved But Not Accepted | 29 | $6,324,000 | $218,000 | $509,000 | $94,000 | $258,000 |
| File Closed For Incompleteness | 1 | $74,000 | $74,000 | $74,000 | $160,000 | $160,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 181 | $29,406,000 | $162,000 | $1,170,000 | $58,000 | $925,000 |
| Other | 45 | $8,959,000 | $199,000 | $869,000 | $72,000 | $300,000 |
| Debt-To-Income Ratio | 37 | $8,086,000 | $218,000 | $636,000 | $62,000 | $195,000 |
| Collateral | 36 | $6,121,000 | $170,000 | $500,000 | $67,000 | $153,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $1,435,000 | $159,000 | $219,000 | $53,000 | $96,000 |
| Employment History | 4 | $541,000 | $135,000 | $200,000 | $78,000 | $140,000 |
| Unverifiable Information | 2 | $381,000 | $190,000 | $198,000 | $86,000 | $111,000 |
| Mortgage Insurance Denied | 1 | $116,000 | $116,000 | $116,000 | $58,000 | $58,000 |
| Credit Application Incomplete | 1 | $40,000 | $40,000 | $40,000 | $130,000 | $130,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Lending.Com's 2007 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 Lending.Com'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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