Lending Street,Llc Mortgage Lending & HMDA Data, 2007
In 2007, Lending Street,Llc of Amarillo, TX reported 2,125 mortgage applications totaling $168.4 million, up 98% from 2006. The average application was for $79,227, and applicants reported an average income of $42,754. 9% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Amarillo, TX (608), Lubbock, TX (367) and Houston-Sugar Land-Baytown, TX (64) (applications in parentheses).
| Mortgage Company & Address | Lending Street,Llc 3440 Bell Suite 326 Amarillo, TX 79109 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 |
| Total Number of Mortgage Applications | 2,125 |
| Total Mortgage Loan Application Amount | $168,359,000 |
| Average Mortgage Loan Application Amount | $79,227 |
| Highest Mortgage Loan Application Amount | $920,000 |
| Average Applicant Income | $42,754 |
| Highest Applicant Income | $1,980,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Lending Street,Llc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Amarillo, TX | 608 | $ 50,403,000 | $ 82,899 | $ 40,000 |
| Lubbock, TX | 367 | $ 28,378,000 | $ 77,324 | $ 44,000 |
| Houston-Sugar Land-Baytown, TX | 64 | $ 9,059,000 | $ 141,546 | $ 103,000 |
| Santa Fe, NM | 7 | $ 1,720,000 | $ 245,714 | $ 62,000 |
| Dallas-Plano-Irving, TX | 6 | $ 669,000 | $ 111,500 | $ 60,000 |
| Las Cruces, NM | 6 | $ 427,000 | $ 71,166 | $ 99,000 |
| Albuquerque, NM | 5 | $ 816,000 | $ 163,200 | $ 56,000 |
| San Antonio, TX | 5 | $ 691,000 | $ 138,200 | $ 58,000 |
| Fort Worth-Arlington, TX | 2 | $ 199,000 | $ 99,500 | $ 60,000 |
| Laredo, TX | 2 | $ 92,000 | $ 46,000 | $ 14,000 |
| Midland, TX | 2 | $ 104,000 | $ 52,000 | $ 32,000 |
| Odessa, TX | 2 | $ 152,000 | $ 76,000 | $ 115,000 |
| Abilene, TX | 1 | $ 140,000 | $ 140,000 | $ 162,000 |
| Boulder, CO | 1 | $ 25,000 | $ 25,000 | $ 14,000 |
| Denver-Aurora, CO | 1 | $ 75,000 | $ 75,000 | $ 42,000 |
| El Paso, TX | 1 | $ 143,000 | $ 143,000 | $ 41,000 |
| Farmington, NM | 1 | $ 221,000 | $ 221,000 | $ 76,000 |
| Greeley, CO | 1 | $ 50,000 | $ 50,000 | $ 14,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 49,000 | $ 49,000 | $ 20,000 |
| San Angelo, TX | 1 | $ 45,000 | $ 45,000 | $ 18,000 |
Mortgage Loan Application Detail Totals for Lending Street,Llc 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 1,982 | $152,492,000 | $76,000 | $920,000 | $41,000 | $1,980,000 |
| Refinancing | 137 | $15,530,000 | $113,000 | $445,000 | $69,000 | $384,000 |
| Home Improvement | 6 | $337,000 | $56,000 | $87,000 | $23,000 | $42,000 |
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 |
|---|---|---|---|---|---|---|
| Hispanic | 1,004 | $65,325,000 | $65,000 | $417,000 | $34,000 | $600,000 |
| White | 875 | $80,396,000 | $91,000 | $900,000 | $50,000 | $1,980,000 |
| Black or African American | 187 | $17,004,000 | $90,000 | $920,000 | $48,000 | $1,541,000 |
| Not Provided | 26 | $2,826,000 | $108,000 | $355,000 | $64,000 | $273,000 |
| Asian | 21 | $2,078,000 | $98,000 | $208,000 | $71,000 | $341,000 |
| American Indian or Alaskan Native | 7 | $418,000 | $59,000 | $98,000 | $39,000 | $83,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $312,000 | $62,000 | $108,000 | $27,000 | $46,000 |
| 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) | 1,752 | $123,442,000 | $70,000 | $496,000 | $36,000 | $1,541,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 351 | $42,126,000 | $120,000 | $920,000 | $73,000 | $1,980,000 |
| VA-guaranteed (Veterans Administration) | 19 | $2,309,000 | $121,000 | $268,000 | $50,000 | $104,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $482,000 | $160,000 | $350,000 | $70,000 | $95,000 |
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 |
|---|---|---|---|---|---|---|
| Preapproval Denied by Financial Institution | 679 | $47,102,000 | $69,000 | $920,000 | $37,000 | $1,980,000 |
| File Closed For Incompleteness | 581 | $44,821,000 | $77,000 | $900,000 | $39,000 | $1,541,000 |
| Application Denied By Financial Institution | 430 | $33,148,000 | $77,000 | $355,000 | $45,000 | $492,000 |
| Loan Originated | 196 | $18,956,000 | $96,000 | $445,000 | $56,000 | $266,000 |
| Preapproval Approved but not Accepted | 127 | $13,716,000 | $108,000 | $462,000 | $49,000 | $200,000 |
| Application Withdrawn By Applicant | 98 | $9,237,000 | $94,000 | $396,000 | $52,000 | $182,000 |
| Application Approved But Not Accepted | 13 | $1,226,000 | $94,000 | $248,000 | $62,000 | $150,000 |
| Loan Purchased By The Institution | 1 | $153,000 | $153,000 | $153,000 | $47,000 | $47,000 |
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 | 200 | $15,454,000 | $77,000 | $378,000 | $45,000 | $384,000 |
| Other | 123 | $8,618,000 | $70,000 | $282,000 | $46,000 | $492,000 |
| Debt-To-Income Ratio | 29 | $2,370,000 | $81,000 | $148,000 | $41,000 | $165,000 |
| Credit Application Incomplete | 6 | $478,000 | $79,000 | $125,000 | $30,000 | $49,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $1,047,000 | $174,000 | $218,000 | $73,000 | $90,000 |
| Collateral | 4 | $480,000 | $120,000 | $232,000 | $106,000 | $273,000 |
| Employment History | 4 | $333,000 | $83,000 | $131,000 | $43,000 | $91,000 |
| Unverifiable Information | 3 | $212,000 | $70,000 | $126,000 | $39,000 | $78,000 |
| Mortgage Insurance Denied | 2 | $31,000 | $15,000 | $20,000 | $33,000 | $53,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Lending Street,Llc'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 Street,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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