Lnderlab Inc Mortgage Lending & HMDA Data, 2022
In 2022, Lnderlab Inc of Austin, TX reported 257 mortgage applications totaling $102.6 million. The average application was for $399,241, and applicants reported an average income of $190,249. 42% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Austin-Round Rock, TX (87), Houston-The Woodlands-Sugar Land, TX (29) and Dallas-Plano-Irving, TX (24) (applications in parentheses).
| Mortgage Company & Address | Lnderlab Inc 10901 Charger Wy Austin, TX 78741 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2022 |
| Total Number of Mortgage Applications | 257 |
| Total Mortgage Loan Application Amount | $102,605,000 |
| Average Mortgage Loan Application Amount | $399,241 |
| Highest Mortgage Loan Application Amount | $1,555,000 |
| Average Applicant Income | $190,249 |
| Highest Applicant Income | $2,400,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Lnderlab Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Austin-Round Rock, TX | 87 | $ 35,985,000 | $ 413,620 | $ 203,000 |
| Houston-The Woodlands-Sugar Land, TX | 29 | $ 9,635,000 | $ 332,241 | $ 140,000 |
| Dallas-Plano-Irving, TX | 24 | $ 9,410,000 | $ 392,083 | $ 187,000 |
| Outside any metro area | 14 | $ 4,510,000 | $ 322,142 | $ 160,857 |
| Fort Worth-Arlington, TX | 10 | $ 3,120,000 | $ 312,000 | $ 133,000 |
| Miami-Miami Beach-Kendall, FL | 10 | $ 4,870,000 | $ 487,000 | $ 212,000 |
| San Antonio-New Braunfels, TX | 9 | $ 3,225,000 | $ 358,333 | $ 164,000 |
| Denver-Aurora-Lakewood, CO | 8 | $ 3,910,000 | $ 488,750 | $ 147,000 |
| Orlando-Kissimmee-Sanford, FL | 7 | $ 2,725,000 | $ 389,285 | $ 126,000 |
| North Port-Sarasota-Bradenton, FL | 6 | $ 2,980,000 | $ 496,666 | $ 236,000 |
| Corpus Christi, TX | 5 | $ 1,655,000 | $ 331,000 | $ 159,000 |
| Tampa-St. Petersburg-Clearwater, FL | 5 | $ 1,785,000 | $ 357,000 | $ 176,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 5 | $ 1,645,000 | $ 329,000 | $ 142,000 |
| Jacksonville, FL | 4 | $ 1,080,000 | $ 270,000 | $ 137,000 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 1,455,000 | $ 485,000 | $ 281,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 1,595,000 | $ 531,666 | $ 961,000 |
| Oakland-Hayward-Berkeley, CA | 3 | $ 2,605,000 | $ 868,333 | $ 239,000 |
| Anaheim-Santa Ana-Irvine, CA | 2 | $ 1,190,000 | $ 595,000 | $ 266,000 |
| College Station-Bryan, TX | 2 | $ 550,000 | $ 275,000 | $ 170,000 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 940,000 | $ 470,000 | $ 130,000 |
| Stockton-Lodi, CA | 2 | $ 610,000 | $ 305,000 | $ 220,000 |
| Waco, TX | 2 | $ 440,000 | $ 220,000 | $ 240,000 |
| Amarillo, TX | 1 | $ 125,000 | $ 125,000 | $ 124,000 |
| Boulder, CO | 1 | $ 645,000 | $ 645,000 | $ 172,000 |
| Chicago-Naperville, IL | 1 | $ 405,000 | $ 405,000 | $ 148,000 |
| Fort Collins, CO | 1 | $ 605,000 | $ 605,000 | $ 201,000 |
| Killeen-Temple, TX | 1 | $ 225,000 | $ 225,000 | $ 262,000 |
| Laredo, TX | 1 | $ 155,000 | $ 155,000 | $ 95,000 |
| Longview, TX | 1 | $ 235,000 | $ 235,000 | $ 239,000 |
| Odessa, TX | 1 | $ 175,000 | $ 175,000 | $ 36,000 |
| Philadelphia, PA | 1 | $ 235,000 | $ 235,000 | $ 196,000 |
| Punta Gorda, FL | 1 | $ 225,000 | $ 225,000 | $ 69,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 605,000 | $ 605,000 | $ 235,000 |
| San Diego-Carlsbad, CA | 1 | $ 1,085,000 | $ 1,085,000 | $ 357,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 655,000 | $ 655,000 | $ 115,000 |
| San Rafael, CA | 1 | $ 1,045,000 | $ 1,045,000 | $ 305,000 |
| Sebastian-Vero Beach, FL | 1 | $ 265,000 | $ 265,000 | $ 113,000 |
Mortgage Loan Application Detail Totals for Lnderlab Inc in 2022
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 | 108 | $46,690,000 | $432,000 | $1,555,000 | $209,000 | $922,000 |
| Cash-out Refinancing | 92 | $36,130,000 | $392,000 | $725,000 | $156,000 | $463,000 |
| Refinancing | 57 | $19,785,000 | $347,000 | $645,000 | $210,000 | $2,400,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 135 | $55,555,000 | $411,000 | $1,555,000 | $189,000 | $922,000 |
| Not Provided | 63 | $24,935,000 | $395,000 | $1,055,000 | $223,000 | $2,400,000 |
| Black or African American | 11 | $3,735,000 | $339,000 | $445,000 | $135,000 | $275,000 |
| Hispanic | 10 | $3,390,000 | $339,000 | $485,000 | $118,000 | $229,000 |
| Asian | 4 | $1,180,000 | $295,000 | $385,000 | $187,000 | $300,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 257 | $102,605,000 | $399,000 | $1,555,000 | $191,000 | $2,400,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 135 | $55,175,000 | $408,000 | $1,555,000 | $199,000 | $2,400,000 |
| Loan Originated | 109 | $43,335,000 | $397,000 | $1,425,000 | $191,000 | $490,000 |
| Application Denied By Financial Institution | 10 | $2,640,000 | $264,000 | $425,000 | $93,000 | $239,000 |
| File Closed For Incompleteness | 2 | $850,000 | $425,000 | $435,000 | $66,000 | $105,000 |
| Application Approved But Not Accepted | 1 | $605,000 | $605,000 | $605,000 | $250,000 | $250,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 247 | $99,965,000 | $404,000 | $1,555,000 | $195,000 | $2,400,000 |
| Credit History | 4 | $780,000 | $195,000 | $385,000 | $104,000 | $239,000 |
| Debt-To-Income Ratio | 4 | $1,360,000 | $340,000 | $425,000 | $79,000 | $108,000 |
| Other | 1 | $285,000 | $285,000 | $285,000 | $58,000 | $58,000 |
| Credit Application Incomplete | 1 | $215,000 | $215,000 | $215,000 | $142,000 | $142,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Lnderlab Inc's 2022 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 Lnderlab 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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