M/I Financial. LLC Mortgage Lending & HMDA Data, 2014
In 2014, M/I Financial. LLC of Columbus, OH reported 3,342 mortgage applications totaling $887.8 million, up 1% from 2013. The average application was for $265,642, and applicants reported an average income of $113,040. 77% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Columbus, OH (377), Indianapolis-Carmel-Anderson, IN (337) and Charlotte-Concord-Gastonia, NC-SC (326) (applications in parentheses).
| Mortgage Company & Address | M/I Financial. LLC 3 Easton Oval, Suite 340 Columbus, OH 43219 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 3,342 |
| Total Mortgage Loan Application Amount | $887,777,000 |
| Average Mortgage Loan Application Amount | $265,642 |
| Highest Mortgage Loan Application Amount | $654,000 |
| Average Applicant Income | $113,040 |
| Highest Applicant Income | $2,966,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records M/I Financial. LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for M/I Financial. LLC in 2014
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 | 3,341 | $887,494,000 | $265,000 | $654,000 | $113,000 | $2,966,000 |
| Refinancing | 1 | $283,000 | $283,000 | $283,000 | $249,000 | $249,000 |
| 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 | 1,962 | $509,964,000 | $259,000 | $654,000 | $117,000 | $2,966,000 |
| Asian | 485 | $139,383,000 | $287,000 | $576,000 | $114,000 | $406,000 |
| Black or African American | 375 | $99,370,000 | $264,000 | $582,000 | $95,000 | $326,000 |
| Hispanic | 299 | $77,255,000 | $258,000 | $604,000 | $106,000 | $700,000 |
| Not Provided | 193 | $54,387,000 | $281,000 | $626,000 | $115,000 | $427,000 |
| Native Hawaiian or Other Pacific Islander | 17 | $4,916,000 | $289,000 | $441,000 | $119,000 | $217,000 |
| American Indian or Alaskan Native | 11 | $2,502,000 | $227,000 | $289,000 | $95,000 | $206,000 |
| 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) | 2,300 | $613,096,000 | $266,000 | $654,000 | $121,000 | $1,596,000 |
| FHA-insured (Federal Housing Administration) | 537 | $132,160,000 | $246,000 | $567,000 | $94,000 | $2,966,000 |
| VA-guaranteed (Veterans Administration) | 475 | $135,595,000 | $285,000 | $618,000 | $96,000 | $324,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 30 | $6,926,000 | $230,000 | $307,000 | $64,000 | $108,000 |
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 | 2,560 | $674,286,000 | $263,000 | $626,000 | $110,000 | $897,000 |
| Application Withdrawn By Applicant | 349 | $96,720,000 | $277,000 | $654,000 | $135,000 | $2,966,000 |
| Application Approved But Not Accepted | 315 | $86,587,000 | $274,000 | $605,000 | $122,000 | $574,000 |
| Application Denied By Financial Institution | 118 | $30,184,000 | $255,000 | $417,000 | $83,000 | $411,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 61 | $15,458,000 | $253,000 | $417,000 | $73,000 | $411,000 |
| Credit History | 41 | $10,657,000 | $259,000 | $417,000 | $97,000 | $224,000 |
| Other | 6 | $1,526,000 | $254,000 | $349,000 | $79,000 | $105,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,346,000 | $269,000 | $415,000 | $97,000 | $218,000 |
| Employment History | 3 | $567,000 | $189,000 | $229,000 | $64,000 | $77,000 |
| Unverifiable Information | 2 | $630,000 | $315,000 | $389,000 | $105,000 | $120,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into M/I Financial. LLC's 2014 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 M/I Financial. 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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