Mid America Mortgage-Southwest Mortgage Lending & HMDA Data, 2004
In 2004, Mid America Mortgage-Southwest of Duncanville, TX reported 185 mortgage applications totaling $19.7 million. The average application was for $106,275, and applicants reported an average income of $45,778. 44% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Dallas-Plano-Irving, TX (60), Fort Worth-Arlington, TX (18) and Tyler, TX (7) (applications in parentheses).
| Mortgage Company & Address | Mid America Mortgage-Southwest 107 N Cedar Ridge Dr, Suite 100 Duncanville, TX 75116 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2004 |
| Total Number of Mortgage Applications | 185 |
| Total Mortgage Loan Application Amount | $19,661,000 |
| Average Mortgage Loan Application Amount | $106,275 |
| Highest Mortgage Loan Application Amount | $240,000 |
| Average Applicant Income | $45,778 |
| Highest Applicant Income | $155,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Mid America Mortgage-Southwest filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Dallas, Texas | 77 | $ 8,168,000 | $ 106,077 | $ 41,000 |
| Tarrant, Texas | 29 | $ 3,480,000 | $ 120,000 | $ 41,000 |
| Ellis, Texas | 18 | $ 2,237,000 | $ 124,277 | $ 56,000 |
| Smith, Texas | 14 | $ 1,101,000 | $ 78,642 | $ 42,000 |
| Collin, Texas | 4 | $ 435,000 | $ 108,750 | $ 25,000 |
| Henderson, Texas | 4 | $ 359,000 | $ 89,750 | $ 32,000 |
| Anderson, Texas | 3 | $ 272,000 | $ 90,666 | $ 55,000 |
| Denton, Texas | 3 | $ 369,000 | $ 123,000 | $ 54,000 |
| Gregg, Texas | 2 | $ 182,000 | $ 91,000 | $ 52,000 |
| Hill, Texas | 2 | $ 152,000 | $ 76,000 | $ 63,000 |
| Johnson, Texas | 2 | $ 87,000 | $ 43,500 | $ 50,000 |
| Kaufman, Texas | 2 | $ 184,000 | $ 92,000 | $ 17,000 |
| Upshur, Texas | 2 | $ 220,000 | $ 110,000 | $ 51,000 |
| Camp, Texas | 1 | $ 72,000 | $ 72,000 | $ 32,000 |
| Collingsworth, Texas | 1 | $ 112,000 | $ 112,000 | $ 46,000 |
| Cooke, Texas | 1 | $ 136,000 | $ 136,000 | $ 51,000 |
| Grayson, Texas | 1 | $ 125,000 | $ 125,000 | $ 122,000 |
| Harris, Texas | 1 | $ 155,000 | $ 155,000 | $ 49,000 |
| Jackson, Texas | 1 | $ 89,000 | $ 89,000 | $ 32,000 |
| Rusk, Texas | 1 | $ 93,000 | $ 93,000 | $ 33,000 |
| Van Zandt, Texas | 1 | $ 82,000 | $ 82,000 | $ 58,000 |
| Wood, Texas | 1 | $ 114,000 | $ 114,000 | $ 82,000 |
Mortgage Loan Application Detail Totals for Mid America Mortgage-Southwest in 2004
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 | 155 | $16,524,000 | $91,500 | $240,000 | $39,000 | $155,000 |
| Refinancing | 29 | $3,061,000 | $105,000 | $182,000 | $20,000 | $90,000 |
| Home Improvement | 1 | $76,000 | $76,000 | $76,000 | $32,000 | $32,000 |
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 |
|---|---|---|---|---|---|---|
| Black or African American | 67 | $7,673,000 | $114,000 | $182,000 | $33,000 | $103,000 |
| White | 62 | $6,562,000 | $105,000 | $240,000 | $54,000 | $155,000 |
| Not Provided | 32 | $3,077,000 | $91,500 | $167,000 | $50,000 | $152,000 |
| Hispanic | 20 | $1,968,000 | $84,000 | $155,000 | $18,000 | $69,000 |
| American Indian or Alaskan Native | 2 | $256,000 | $128,000 | $150,000 | $71,000 | $97,000 |
| Asian | 1 | $84,000 | $84,000 | $84,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 1 | $41,000 | $41,000 | $41,000 | $22,000 | $22,000 |
| 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) | 185 | $19,661,000 | $91,500 | $240,000 | $35,500 | $155,000 |
| 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 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 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 | 81 | $8,718,000 | $107,000 | $240,000 | $48,000 | $155,000 |
| Application Withdrawn By Applicant | 66 | $7,131,000 | $97,500 | $200,000 | $48,500 | $120,000 |
| Application Denied By Financial Institution | 35 | $3,582,000 | $85,500 | $156,000 | $21,000 | $122,000 |
| Application Approved But Not Accepted | 3 | $230,000 | $76,000 | $81,000 | $31,000 | $33,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 4 | $437,000 | $109,000 | $134,000 | $26,000 | $55,000 |
| Unverifiable Information | 1 | $68,000 | $68,000 | $68,000 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 Mid America Mortgage-Southwest's 2004 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 Mid America Mortgage-Southwest'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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