Mortgage Centre - Plaza, L.C. Mortgage Lending & HMDA Data, 2007
In 2007, Mortgage Centre - Plaza, L.C. of Wichita, KS reported 84 mortgage applications totaling $14.1 million, down 46% from 2006. The average application was for $167,928, and applicants reported an average income of $97,964. 75% of its applications resulted in an originated loan and 6% were denied. Its largest market was Wichita, KS (81).
| Mortgage Company & Address | Mortgage Centre - Plaza, L.C. 7701 E Kellogg Suite 100 Wichita, KS 67207 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 84 |
| Total Mortgage Loan Application Amount | $14,106,000 |
| Average Mortgage Loan Application Amount | $167,928 |
| Highest Mortgage Loan Application Amount | $900,000 |
| Average Applicant Income | $97,964 |
| Highest Applicant Income | $588,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Mortgage Centre - Plaza, L.C. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Mortgage Centre - Plaza, L.C. 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 | 75 | $11,173,000 | $148,000 | $616,000 | $85,000 | $385,000 |
| Refinancing | 9 | $2,933,000 | $325,000 | $900,000 | $206,000 | $588,000 |
| 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 | 78 | $11,978,000 | $153,000 | $900,000 | $92,000 | $588,000 |
| Hispanic | 4 | $1,629,000 | $407,000 | $900,000 | $261,000 | $526,000 |
| Asian | 1 | $349,000 | $349,000 | $349,000 | $0 | $0 |
| Not Provided | 1 | $150,000 | $150,000 | $150,000 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 81 | $13,892,000 | $171,000 | $900,000 | $101,000 | $588,000 |
| FHA-insured (Federal Housing Administration) | 3 | $214,000 | $71,000 | $81,000 | $29,000 | $38,000 |
| 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 |
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 | 63 | $11,426,000 | $181,000 | $900,000 | $103,000 | $588,000 |
| Application Approved But Not Accepted | 10 | $1,328,000 | $132,000 | $273,000 | $74,000 | $175,000 |
| Application Withdrawn By Applicant | 6 | $702,000 | $117,000 | $200,000 | $100,000 | $265,000 |
| Application Denied By Financial Institution | 5 | $650,000 | $130,000 | $242,000 | $81,000 | $177,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 2 | $277,000 | $138,000 | $150,000 | $25,000 | $50,000 |
| Debt-To-Income Ratio | 1 | $47,000 | $47,000 | $47,000 | $90,000 | $90,000 |
| Other | 1 | $84,000 | $84,000 | $84,000 | $91,000 | $91,000 |
| Unverifiable Information | 1 | $242,000 | $242,000 | $242,000 | $177,000 | $177,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 Mortgage Centre - Plaza, L.C.'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 Mortgage Centre - Plaza, L.C.'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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