Mortgage Centre - Plaza, L.C. Mortgage Lending & HMDA Data, 2005
In 2005, Mortgage Centre - Plaza, L.C. of Wichita, KS reported 322 mortgage applications totaling $40.6 million, up 146% from 2004. The average application was for $125,987, and applicants reported an average income of $70,729. 73% of its applications resulted in an originated loan and 5% were denied. Its largest market was Wichita, KS (316).
| 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 | 322 |
| Total Mortgage Loan Application Amount | $40,568,000 |
| Average Mortgage Loan Application Amount | $125,987 |
| Highest Mortgage Loan Application Amount | $1,085,000 |
| Average Applicant Income | $70,729 |
| Highest Applicant Income | $718,000 |
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records Mortgage Centre - Plaza, L.C. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2005
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 | 258 | $30,336,000 | $117,000 | $664,000 | $66,000 | $350,000 |
| Refinancing | 63 | $10,185,000 | $113,500 | $1,085,000 | $87,000 | $718,000 |
| Home Improvement | 1 | $47,000 | $47,000 | $47,000 | $22,000 | $22,000 |
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 |
|---|---|---|---|---|---|---|
| White | 296 | $36,454,000 | $93,500 | $1,080,000 | $71,000 | $615,000 |
| Asian | 13 | $1,485,000 | $114,000 | $272,000 | $46,000 | $150,000 |
| Black or African American | 8 | $945,000 | $118,000 | $255,000 | $120,000 | $250,000 |
| Hispanic | 5 | $1,684,000 | $336,000 | $1,085,000 | $280,000 | $718,000 |
| 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) | 292 | $37,224,000 | $95,500 | $1,085,000 | $85,500 | $718,000 |
| FHA-insured (Federal Housing Administration) | 19 | $1,620,000 | $85,000 | $142,000 | $22,000 | $63,000 |
| VA-guaranteed (Veterans Administration) | 11 | $1,724,000 | $156,000 | $341,000 | $54,000 | $125,000 |
| 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 | 236 | $29,420,000 | $94,000 | $664,000 | $80,500 | $350,000 |
| Application Approved But Not Accepted | 45 | $5,602,000 | $124,000 | $1,085,000 | $116,000 | $718,000 |
| Application Withdrawn By Applicant | 25 | $4,216,000 | $168,000 | $1,080,000 | $53,000 | $615,000 |
| Application Denied By Financial Institution | 16 | $1,330,000 | $83,000 | $174,000 | $44,000 | $104,000 |
| 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 | 9 | $819,000 | $91,000 | $174,000 | $57,000 | $104,000 |
| Debt-To-Income Ratio | 2 | $220,000 | $110,000 | $137,000 | $43,000 | $64,000 |
| Collateral | 2 | $99,000 | $49,000 | $52,000 | $43,000 | $65,000 |
| Other | 2 | $132,000 | $66,000 | $112,000 | $36,000 | $42,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $60,000 | $60,000 | $60,000 | $18,000 | $18,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mortgage Centre - Plaza, L.C.'s 2005 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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