Mortgage Centre - Plaza, L.C. Mortgage Lending & HMDA Data, 2006
In 2006, Mortgage Centre - Plaza, L.C. of Wichita, KS reported 156 mortgage applications totaling $24.3 million, down 52% from 2005. The average application was for $155,782, and applicants reported an average income of $85,211. 85% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Wichita, KS (147) and Kansas City, MO-KS (1).
| 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 | 156 |
| Total Mortgage Loan Application Amount | $24,302,000 |
| Average Mortgage Loan Application Amount | $155,782 |
| Highest Mortgage Loan Application Amount | $743,000 |
| Average Applicant Income | $85,211 |
| Highest Applicant Income | $448,000 |
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records Mortgage Centre - Plaza, L.C. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2006
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 | 131 | $17,693,000 | $135,000 | $743,000 | $78,000 | $448,000 |
| Refinancing | 25 | $6,609,000 | $264,000 | $568,000 | $123,000 | $375,000 |
| 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 | 147 | $23,306,000 | $158,000 | $743,000 | $85,000 | $448,000 |
| Black or African American | 5 | $656,000 | $131,000 | $166,000 | $118,000 | $161,000 |
| Hispanic | 2 | $150,000 | $75,000 | $80,000 | $45,000 | $45,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $52,000 | $52,000 | $52,000 | $12,000 | $12,000 |
| Asian | 1 | $138,000 | $138,000 | $138,000 | $62,000 | $62,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 141 | $23,185,000 | $164,000 | $743,000 | $90,000 | $448,000 |
| FHA-insured (Federal Housing Administration) | 15 | $1,117,000 | $74,000 | $114,000 | $39,000 | $150,000 |
| 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 | 133 | $20,965,000 | $157,000 | $743,000 | $88,000 | $448,000 |
| Application Approved But Not Accepted | 13 | $2,462,000 | $189,000 | $519,000 | $85,000 | $234,000 |
| Application Withdrawn By Applicant | 9 | $736,000 | $81,000 | $170,000 | $50,000 | $80,000 |
| Application Denied By Financial Institution | 1 | $139,000 | $139,000 | $139,000 | $53,000 | $53,000 |
| 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 | 1 | $139,000 | $139,000 | $139,000 | $53,000 | $53,000 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mortgage Centre - Plaza, L.C.'s 2006 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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