Mortgage Centre - Plaza, L.C. Mortgage Lending & HMDA Data, 2004
In 2004, Mortgage Centre - Plaza, L.C. of Wichita, KS reported 131 mortgage applications totaling $13.7 million. The average application was for $104,793, and applicants reported an average income of $69,167. 89% of its applications resulted in an originated loan and 2% were denied. Its largest market was Wichita, KS (131).
| 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 | 131 |
| Total Mortgage Loan Application Amount | $13,728,000 |
| Average Mortgage Loan Application Amount | $104,793 |
| Highest Mortgage Loan Application Amount | $412,000 |
| Average Applicant Income | $69,167 |
| Highest Applicant Income | $494,000 |
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records Mortgage Centre - Plaza, L.C. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 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 | 115 | $12,276,000 | $106,000 | $412,000 | $71,000 | $494,000 |
| Refinancing | 16 | $1,452,000 | $90,000 | $161,000 | $56,000 | $140,000 |
| 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 | 107 | $11,446,000 | $106,000 | $412,000 | $84,000 | $494,000 |
| Asian | 16 | $1,624,000 | $101,000 | $212,000 | $15,000 | $62,000 |
| Black or African American | 4 | $357,000 | $89,000 | $114,000 | $47,000 | $63,000 |
| Hispanic | 4 | $301,000 | $75,000 | $136,000 | $98,000 | $146,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 131 | $13,728,000 | $104,000 | $412,000 | $66,000 | $494,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 117 | $12,132,000 | $103,000 | $412,000 | $57,000 | $494,000 |
| Application Approved But Not Accepted | 8 | $700,000 | $87,000 | $198,000 | $57,000 | $166,000 |
| Application Denied By Financial Institution | 3 | $491,000 | $163,000 | $287,000 | $95,000 | $155,000 |
| Application Withdrawn By Applicant | 3 | $405,000 | $135,000 | $160,000 | $77,000 | $93,000 |
| 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 | 1 | $287,000 | $287,000 | $287,000 | $155,000 | $155,000 |
| Collateral | 1 | $71,000 | $71,000 | $71,000 | $43,000 | $43,000 |
| Credit Application Incomplete | 1 | $133,000 | $133,000 | $133,000 | $87,000 | $87,000 |
| Credit History | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mortgage Centre - Plaza, L.C.'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 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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