M/I Financial. LLC Mortgage Lending & HMDA Data, 2015
In 2015, M/I Financial. LLC of Columbus, OH reported 3,659 mortgage applications totaling $1.0 billion, up 9% from 2014. The average application was for $286,300, and applicants reported an average income of $116,425. 78% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Charlotte-Concord-Gastonia, NC-SC (393), Columbus, OH (389) and Tampa-St. Petersburg-Clearwater, FL (368) (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 | 3,659 |
| Total Mortgage Loan Application Amount | $1,047,573,000 |
| Average Mortgage Loan Application Amount | $286,300 |
| Highest Mortgage Loan Application Amount | $855,000 |
| Average Applicant Income | $116,425 |
| Highest Applicant Income | $1,333,000 |
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 LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2015
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 | 3,592 | $1,032,303,000 | $287,000 | $855,000 | $118,000 | $1,333,000 |
| Refinancing | 67 | $15,270,000 | $227,000 | $410,000 | $32,000 | $211,000 |
| 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 | 2,068 | $576,104,000 | $278,000 | $855,000 | $117,000 | $875,000 |
| Asian | 624 | $190,486,000 | $305,000 | $716,000 | $124,000 | $1,333,000 |
| Black or African American | 367 | $109,547,000 | $298,000 | $596,000 | $102,000 | $342,000 |
| Hispanic | 340 | $93,884,000 | $276,000 | $556,000 | $106,000 | $1,095,000 |
| Not Provided | 238 | $71,052,000 | $298,000 | $798,000 | $127,000 | $610,000 |
| American Indian or Alaskan Native | 18 | $5,255,000 | $291,000 | $417,000 | $116,000 | $267,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $1,245,000 | $311,000 | $417,000 | $109,000 | $150,000 |
| 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) | 2,619 | $746,506,000 | $285,000 | $855,000 | $126,000 | $1,333,000 |
| FHA-insured (Federal Housing Administration) | 584 | $154,356,000 | $264,000 | $574,000 | $85,000 | $320,000 |
| VA-guaranteed (Veterans Administration) | 437 | $142,144,000 | $325,000 | $798,000 | $106,000 | $345,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 19 | $4,567,000 | $240,000 | $317,000 | $61,000 | $87,000 |
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 | 2,841 | $804,316,000 | $283,000 | $855,000 | $115,000 | $1,333,000 |
| Application Withdrawn By Applicant | 364 | $107,144,000 | $294,000 | $620,000 | $125,000 | $1,095,000 |
| Application Approved But Not Accepted | 361 | $110,028,000 | $304,000 | $798,000 | $128,000 | $610,000 |
| Application Denied By Financial Institution | 93 | $26,085,000 | $280,000 | $515,000 | $82,000 | $206,000 |
| 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 | 45 | $12,267,000 | $272,000 | $417,000 | $65,000 | $190,000 |
| Credit History | 39 | $11,384,000 | $291,000 | $515,000 | $99,000 | $206,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $1,055,000 | $351,000 | $417,000 | $106,000 | $176,000 |
| Unverifiable Information | 3 | $652,000 | $217,000 | $251,000 | $54,000 | $60,000 |
| Employment History | 2 | $542,000 | $271,000 | $309,000 | $109,000 | $128,000 |
| Other | 1 | $185,000 | $185,000 | $185,000 | $81,000 | $81,000 |
| 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 2015 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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