Mbi Mortgage Inc Mortgage Lending & HMDA Data, 2007
In 2007, Mbi Mortgage Inc of Dallas, TX reported 584 mortgage applications totaling $94.2 million, up 297% from 2006. The average application was for $161,304, and applicants reported an average income of $65,712. 80% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Austin-Round Rock, TX (229), Dallas-Plano-Irving, TX (52) and Houston-Sugar Land-Baytown, TX (50) (applications in parentheses).
| Mortgage Company & Address | Mbi Mortgage Inc 2902 Carlisle St, Ste 200 Dallas, TX 75204 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 |
| Total Number of Mortgage Applications | 584 |
| Total Mortgage Loan Application Amount | $94,202,000 |
| Average Mortgage Loan Application Amount | $161,304 |
| Highest Mortgage Loan Application Amount | $856,000 |
| Average Applicant Income | $65,712 |
| Highest Applicant Income | $480,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Mbi Mortgage Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Travis, Texas | 134 | $ 24,378,000 | $ 181,925 | $ 81,000 |
| Williamson, Texas | 73 | $ 10,397,000 | $ 142,424 | $ 74,000 |
| El Paso, Texas | 46 | $ 6,407,000 | $ 139,282 | $ 45,000 |
| Bexar, Texas | 41 | $ 5,525,000 | $ 134,756 | $ 62,000 |
| Dallas, Texas | 29 | $ 4,121,000 | $ 142,103 | $ 64,000 |
| Harris, Texas | 24 | $ 3,834,000 | $ 159,750 | $ 36,000 |
| Tarrant, Texas | 24 | $ 3,686,000 | $ 153,583 | $ 63,000 |
| Montgomery, Texas | 15 | $ 2,677,000 | $ 178,466 | $ 79,000 |
| Hays, Texas | 14 | $ 3,338,000 | $ 238,428 | $ 91,000 |
| Webb, Texas | 13 | $ 2,336,000 | $ 179,692 | $ 33,000 |
| Bell, Texas | 10 | $ 1,145,000 | $ 114,500 | $ 32,000 |
| Collin, Texas | 10 | $ 1,492,000 | $ 149,200 | $ 26,000 |
| Denton, Texas | 9 | $ 1,420,000 | $ 157,777 | $ 17,000 |
| Bastrop, Texas | 5 | $ 608,000 | $ 121,600 | $ 28,000 |
| Brazoria, Texas | 5 | $ 783,000 | $ 156,600 | $ 50,000 |
| Galveston, Texas | 5 | $ 780,000 | $ 156,000 | $ 91,000 |
| Kendall, Texas | 5 | $ 833,000 | $ 166,600 | $ 299,000 |
| Angelina, Texas | 3 | $ 619,000 | $ 206,333 | $ 40,000 |
| Caldwell, Texas | 3 | $ 390,000 | $ 130,000 | $ 0 |
| Ellis, Texas | 3 | $ 280,000 | $ 93,333 | $ 56,000 |
| Henderson, Texas | 3 | $ 434,000 | $ 144,666 | $ 58,000 |
| Fresno, California | 2 | $ 411,000 | $ 205,500 | $ 33,000 |
| Hillsborough, Florida | 2 | $ 742,000 | $ 371,000 | $ 360,000 |
| Owen, Indiana | 2 | $ 210,000 | $ 105,000 | $ 67,000 |
| Jackson, Missouri | 2 | $ 521,000 | $ 260,500 | $ 54,000 |
| Greenville, South Carolina | 2 | $ 294,000 | $ 147,000 | $ 110,000 |
| Richland, South Carolina | 2 | $ 388,000 | $ 194,000 | $ 73,000 |
| Guadalupe, Texas | 2 | $ 361,000 | $ 180,500 | $ 31,000 |
| Hidalgo, Texas | 2 | $ 389,000 | $ 194,500 | $ 152,000 |
| Jefferson, Texas | 2 | $ 388,000 | $ 194,000 | $ 139,000 |
| Llano, Texas | 2 | $ 70,000 | $ 35,000 | $ 156,000 |
| Riverside, California | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Huerfano, Colorado | 1 | $ 68,000 | $ 68,000 | $ 0 |
| Brevard, Florida | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Broward, Florida | 1 | $ 179,000 | $ 179,000 | $ 0 |
| Citrus, Florida | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Clay, Florida | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Miami-Dade, Florida | 1 | $ 237,000 | $ 237,000 | $ 0 |
| Palm Beach, Florida | 1 | $ 277,000 | $ 277,000 | $ 60,000 |
| Seminole, Florida | 1 | $ 157,000 | $ 157,000 | $ 0 |
| Gwinnett, Georgia | 1 | $ 113,000 | $ 113,000 | $ 0 |
| Johnson, Indiana | 1 | $ 78,000 | $ 78,000 | $ 64,000 |
| Lake, Indiana | 1 | $ 143,000 | $ 143,000 | $ 60,000 |
| Christian, Missouri | 1 | $ 151,000 | $ 151,000 | $ 0 |
| Clay, Missouri | 1 | $ 105,000 | $ 105,000 | $ 63,000 |
| Jasper, Missouri | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Newton, Missouri | 1 | $ 60,000 | $ 60,000 | $ 35,000 |
| St. Louis, Missouri | 1 | $ 100,000 | $ 100,000 | $ 40,000 |
| Madison, Montana | 1 | $ 181,000 | $ 181,000 | $ 0 |
| Ravalli, Montana | 1 | $ 227,000 | $ 227,000 | $ 0 |
| Bernalillo, New Mexico | 1 | $ 157,000 | $ 157,000 | $ 52,000 |
| Lincoln, New Mexico | 1 | $ 172,000 | $ 172,000 | $ 0 |
| McKinley, New Mexico | 1 | $ 69,000 | $ 69,000 | $ 79,000 |
| Marshall, Oklahoma | 1 | $ 193,000 | $ 193,000 | $ 168,000 |
| Anderson, South Carolina | 1 | $ 220,000 | $ 220,000 | $ 64,000 |
| Horry, South Carolina | 1 | $ 171,000 | $ 171,000 | $ 0 |
| Spartanburg, South Carolina | 1 | $ 174,000 | $ 174,000 | $ 64,000 |
| York, South Carolina | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Anderson, Texas | 1 | $ 80,000 | $ 80,000 | $ 46,000 |
| Andrews, Texas | 1 | $ 124,000 | $ 124,000 | $ 149,000 |
| Aransas, Texas | 1 | $ 410,000 | $ 410,000 | $ 336,000 |
| Bandera, Texas | 1 | $ 172,000 | $ 172,000 | $ 0 |
| Bowie, Texas | 1 | $ 117,000 | $ 117,000 | $ 0 |
| Brazos, Texas | 1 | $ 53,000 | $ 53,000 | $ 79,000 |
| Burnet, Texas | 1 | $ 181,000 | $ 181,000 | $ 60,000 |
| Coleman, Texas | 1 | $ 87,000 | $ 87,000 | $ 70,000 |
| Comal, Texas | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Coryell, Texas | 1 | $ 103,000 | $ 103,000 | $ 98,000 |
| Grayson, Texas | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Grimes, Texas | 1 | $ 34,000 | $ 34,000 | $ 0 |
| Hardin, Texas | 1 | $ 99,000 | $ 99,000 | $ 30,000 |
| Harrison, Texas | 1 | $ 138,000 | $ 138,000 | $ 46,000 |
| Johnson, Texas | 1 | $ 119,000 | $ 119,000 | $ 60,000 |
| Lamb, Texas | 1 | $ 86,000 | $ 86,000 | $ 44,000 |
| Liberty, Texas | 1 | $ 138,000 | $ 138,000 | $ 0 |
| Lynn, Texas | 1 | $ 115,000 | $ 115,000 | $ 42,000 |
| McLennan, Texas | 1 | $ 361,000 | $ 361,000 | $ 116,000 |
| Orange, Texas | 1 | $ 86,000 | $ 86,000 | $ 0 |
| Panola, Texas | 1 | $ 127,000 | $ 127,000 | $ 0 |
| Parker, Texas | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Polk, Texas | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Rockwall, Texas | 1 | $ 132,000 | $ 132,000 | $ 0 |
| Smith, Texas | 1 | $ 143,000 | $ 143,000 | $ 52,000 |
| Tom Green, Texas | 1 | $ 70,000 | $ 70,000 | $ 25,000 |
Mortgage Loan Application Detail Totals for Mbi Mortgage Inc 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 | 378 | $60,610,000 | $160,000 | $856,000 | $77,000 | $480,000 |
| Refinancing | 206 | $33,592,000 | $163,000 | $600,000 | $45,000 | $408,000 |
| 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 | 316 | $55,638,000 | $176,000 | $856,000 | $89,000 | $480,000 |
| Hispanic | 152 | $21,625,000 | $142,000 | $650,000 | $44,000 | $294,000 |
| Not Provided | 80 | $11,504,000 | $143,000 | $417,000 | $18,000 | $173,000 |
| Black or African American | 23 | $3,110,000 | $135,000 | $361,000 | $56,000 | $168,000 |
| Asian | 12 | $2,140,000 | $178,000 | $260,000 | $54,000 | $102,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $185,000 | $185,000 | $185,000 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 550 | $90,220,000 | $164,000 | $856,000 | $68,000 | $480,000 |
| FHA-insured (Federal Housing Administration) | 29 | $3,330,000 | $114,000 | $192,000 | $27,000 | $128,000 |
| VA-guaranteed (Veterans Administration) | 5 | $652,000 | $130,000 | $163,000 | $38,000 | $55,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 467 | $76,876,000 | $164,000 | $856,000 | $73,000 | $420,000 |
| Application Denied By Financial Institution | 59 | $7,051,000 | $119,000 | $334,000 | $24,000 | $189,000 |
| Application Withdrawn By Applicant | 48 | $8,587,000 | $178,000 | $855,000 | $45,000 | $480,000 |
| Application Approved But Not Accepted | 7 | $1,114,000 | $159,000 | $242,000 | $71,000 | $167,000 |
| File Closed For Incompleteness | 3 | $574,000 | $191,000 | $240,000 | $16,000 | $50,000 |
| 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 | 14 | $1,818,000 | $129,000 | $334,000 | $26,000 | $79,000 |
| Other | 11 | $1,213,000 | $110,000 | $192,000 | $24,000 | $189,000 |
| Debt-To-Income Ratio | 6 | $728,000 | $121,000 | $229,000 | $56,000 | $102,000 |
| Unverifiable Information | 5 | $640,000 | $128,000 | $171,000 | $39,000 | $120,000 |
| Collateral | 4 | $448,000 | $112,000 | $205,000 | $20,000 | $83,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $523,000 | $174,000 | $311,000 | $51,000 | $110,000 |
| Employment History | 1 | $172,000 | $172,000 | $172,000 | $73,000 | $73,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mbi Mortgage Inc'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 Mbi Mortgage 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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