Northwood Mortgage Inc. Mortgage Lending & HMDA Data, 2006
In 2006, Northwood Mortgage Inc. of Dallas, TX reported 494 mortgage applications totaling $55.8 million. The average application was for $113,014, and applicants reported an average income of $54,172. 99% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Dallas-Plano-Irving, TX (119), Fort Worth-Arlington, TX (67) and Houston-Sugar Land-Baytown, TX (29) (applications in parentheses).
| Mortgage Company & Address | Northwood Mortgage Inc. 12700 Hillcrest # 230 Dallas, TX 75230 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 |
| Total Number of Mortgage Applications | 494 |
| Total Mortgage Loan Application Amount | $55,829,000 |
| Average Mortgage Loan Application Amount | $113,014 |
| Highest Mortgage Loan Application Amount | $471,000 |
| Average Applicant Income | $54,172 |
| Highest Applicant Income | $360,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Northwood Mortgage Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Kaufman, Texas | 41 | $ 4,411,000 | $ 107,585 | $ 55,000 |
| Johnson, Texas | 31 | $ 3,390,000 | $ 109,354 | $ 54,000 |
| Hunt, Texas | 30 | $ 3,388,000 | $ 112,933 | $ 46,000 |
| Tarrant, Texas | 30 | $ 3,498,000 | $ 116,600 | $ 78,000 |
| Smith, Texas | 19 | $ 2,043,000 | $ 107,526 | $ 42,000 |
| Dallas, Texas | 16 | $ 1,827,000 | $ 114,187 | $ 70,000 |
| Collin, Texas | 15 | $ 1,817,000 | $ 121,133 | $ 75,000 |
| Henderson, Texas | 15 | $ 1,513,000 | $ 100,866 | $ 45,000 |
| Denton, Texas | 14 | $ 1,778,000 | $ 127,000 | $ 61,000 |
| Ellis, Texas | 13 | $ 1,493,000 | $ 114,846 | $ 44,000 |
| Parker, Texas | 13 | $ 1,452,000 | $ 111,692 | $ 50,000 |
| Harrison, Texas | 12 | $ 1,346,000 | $ 112,166 | $ 42,000 |
| Hood, Texas | 10 | $ 1,024,000 | $ 102,400 | $ 50,000 |
| Rusk, Texas | 10 | $ 1,328,000 | $ 132,800 | $ 59,000 |
| Brown, Texas | 8 | $ 849,000 | $ 106,125 | $ 51,000 |
| Navarro, Texas | 8 | $ 856,000 | $ 107,000 | $ 50,000 |
| Grayson, Texas | 7 | $ 774,000 | $ 110,571 | $ 41,000 |
| Liberty, Texas | 7 | $ 931,000 | $ 133,000 | $ 58,000 |
| Orange, Texas | 7 | $ 858,000 | $ 122,571 | $ 77,000 |
| Wise, Texas | 7 | $ 825,000 | $ 117,857 | $ 44,000 |
| Brazoria, Texas | 6 | $ 813,000 | $ 135,500 | $ 59,000 |
| Gregg, Texas | 6 | $ 865,000 | $ 144,166 | $ 64,000 |
| Taylor, Texas | 6 | $ 637,000 | $ 106,166 | $ 44,000 |
| Bexar, Texas | 5 | $ 651,000 | $ 130,200 | $ 49,000 |
| Harris, Texas | 5 | $ 647,000 | $ 129,400 | $ 64,000 |
| Hopkins, Texas | 5 | $ 464,000 | $ 92,800 | $ 36,000 |
| Randall, Texas | 5 | $ 572,000 | $ 114,400 | $ 51,000 |
| Upshur, Texas | 5 | $ 609,000 | $ 121,800 | $ 53,000 |
| Van Zandt, Texas | 5 | $ 550,000 | $ 110,000 | $ 40,000 |
| Cleveland, Oklahoma | 4 | $ 274,000 | $ 68,500 | $ 30,000 |
| Cherokee, Texas | 4 | $ 389,000 | $ 97,250 | $ 45,000 |
| Galveston, Texas | 4 | $ 576,000 | $ 144,000 | $ 53,000 |
| Williamson, Texas | 4 | $ 421,000 | $ 105,250 | $ 46,000 |
| Brazos, Texas | 3 | $ 319,000 | $ 106,333 | $ 33,000 |
| Montgomery, Texas | 3 | $ 353,000 | $ 117,666 | $ 43,000 |
| Panola, Texas | 3 | $ 377,000 | $ 125,666 | $ 56,000 |
| Webster, Louisiana | 2 | $ 255,000 | $ 127,500 | $ 39,000 |
| Bastrop, Texas | 2 | $ 218,000 | $ 109,000 | $ 41,000 |
| Burleson, Texas | 2 | $ 226,000 | $ 113,000 | $ 43,000 |
| Caldwell, Texas | 2 | $ 253,000 | $ 126,500 | $ 67,000 |
| Chambers, Texas | 2 | $ 227,000 | $ 113,500 | $ 49,000 |
| Cooke, Texas | 2 | $ 192,000 | $ 96,000 | $ 49,000 |
| Erath, Texas | 2 | $ 146,000 | $ 73,000 | $ 41,000 |
| Freestone, Texas | 2 | $ 184,000 | $ 92,000 | $ 50,000 |
| Hays, Texas | 2 | $ 235,000 | $ 117,500 | $ 61,000 |
| Houston, Texas | 2 | $ 191,000 | $ 95,500 | $ 35,000 |
| Nacogdoches, Texas | 2 | $ 231,000 | $ 115,500 | $ 47,000 |
| Polk, Texas | 2 | $ 204,000 | $ 102,000 | $ 51,000 |
| Potter, Texas | 2 | $ 169,000 | $ 84,500 | $ 36,000 |
| Bossier, Louisiana | 1 | $ 105,000 | $ 105,000 | $ 35,000 |
| Caddo, Louisiana | 1 | $ 93,000 | $ 93,000 | $ 27,000 |
| Natchitoches, Louisiana | 1 | $ 117,000 | $ 117,000 | $ 60,000 |
| St. Landry, Louisiana | 1 | $ 84,000 | $ 84,000 | $ 47,000 |
| Vermilion, Louisiana | 1 | $ 106,000 | $ 106,000 | $ 37,000 |
| Bryan, Oklahoma | 1 | $ 57,000 | $ 57,000 | $ 45,000 |
| Tulsa, Oklahoma | 1 | $ 96,000 | $ 96,000 | $ 28,000 |
| Anderson, Texas | 1 | $ 129,000 | $ 129,000 | $ 54,000 |
| Andrews, Texas | 1 | $ 172,000 | $ 172,000 | $ 113,000 |
| Austin, Texas | 1 | $ 150,000 | $ 150,000 | $ 46,000 |
| Bowie, Texas | 1 | $ 188,000 | $ 188,000 | $ 104,000 |
| Callahan, Texas | 1 | $ 95,000 | $ 95,000 | $ 32,000 |
| Carson, Texas | 1 | $ 79,000 | $ 79,000 | $ 172,000 |
| Cass, Texas | 1 | $ 59,000 | $ 59,000 | $ 19,000 |
| Clay, Texas | 1 | $ 54,000 | $ 54,000 | $ 35,000 |
| Coleman, Texas | 1 | $ 66,000 | $ 66,000 | $ 42,000 |
| Culberson, Texas | 1 | $ 117,000 | $ 117,000 | $ 57,000 |
| Dallam, Texas | 1 | $ 125,000 | $ 125,000 | $ 67,000 |
| Deaf Smith, Texas | 1 | $ 103,000 | $ 103,000 | $ 43,000 |
| Delta, Texas | 1 | $ 113,000 | $ 113,000 | $ 120,000 |
| Fannin, Texas | 1 | $ 104,000 | $ 104,000 | $ 29,000 |
| Fort Bend, Texas | 1 | $ 139,000 | $ 139,000 | $ 51,000 |
| Guadalupe, Texas | 1 | $ 108,000 | $ 108,000 | $ 27,000 |
| Hill, Texas | 1 | $ 148,000 | $ 148,000 | $ 54,000 |
| Hutchinson, Texas | 1 | $ 110,000 | $ 110,000 | $ 41,000 |
| Jasper, Texas | 1 | $ 76,000 | $ 76,000 | $ 59,000 |
| Jim Wells, Texas | 1 | $ 146,000 | $ 146,000 | $ 71,000 |
| Jones, Texas | 1 | $ 119,000 | $ 119,000 | $ 47,000 |
| Lampasas, Texas | 1 | $ 189,000 | $ 189,000 | $ 65,000 |
| Leon, Texas | 1 | $ 95,000 | $ 95,000 | $ 55,000 |
| Madison, Texas | 1 | $ 142,000 | $ 142,000 | $ 54,000 |
| Marion, Texas | 1 | $ 153,000 | $ 153,000 | $ 82,000 |
| McLennan, Texas | 1 | $ 122,000 | $ 122,000 | $ 108,000 |
| Medina, Texas | 1 | $ 61,000 | $ 61,000 | $ 21,000 |
| Milam, Texas | 1 | $ 124,000 | $ 124,000 | $ 67,000 |
| Palo Pinto, Texas | 1 | $ 80,000 | $ 80,000 | $ 51,000 |
| Rains, Texas | 1 | $ 119,000 | $ 119,000 | $ 41,000 |
| Robertson, Texas | 1 | $ 141,000 | $ 141,000 | $ 43,000 |
| Rockwall, Texas | 1 | $ 104,000 | $ 104,000 | $ 38,000 |
| San Jacinto, Texas | 1 | $ 107,000 | $ 107,000 | $ 36,000 |
| Somervell, Texas | 1 | $ 115,000 | $ 115,000 | $ 37,000 |
| Swisher, Texas | 1 | $ 49,000 | $ 49,000 | $ 22,000 |
| Washington, Texas | 1 | $ 183,000 | $ 183,000 | $ 80,000 |
| Wheeler, Texas | 1 | $ 132,000 | $ 132,000 | $ 63,000 |
| Young, Texas | 1 | $ 99,000 | $ 99,000 | $ 53,000 |
Mortgage Loan Application Detail Totals for Northwood Mortgage Inc. 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 | 477 | $54,052,000 | $113,000 | $471,000 | $54,000 | $360,000 |
| Refinancing | 17 | $1,777,000 | $104,000 | $167,000 | $59,000 | $103,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not Provided | 434 | $48,971,000 | $112,000 | $471,000 | $54,000 | $360,000 |
| Hispanic | 51 | $5,980,000 | $117,000 | $190,000 | $50,000 | $102,000 |
| White | 7 | $717,000 | $102,000 | $119,000 | $48,000 | $70,000 |
| Black or African American | 2 | $161,000 | $80,000 | $95,000 | $35,000 | $42,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 427 | $48,449,000 | $113,000 | $203,000 | $51,000 | $198,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 66 | $7,221,000 | $109,000 | $471,000 | $75,000 | $360,000 |
| VA-guaranteed (Veterans Administration) | 1 | $159,000 | $159,000 | $159,000 | $65,000 | $65,000 |
| 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 | 487 | $55,218,000 | $113,000 | $471,000 | $54,000 | $360,000 |
| Application Denied By Financial Institution | 6 | $502,000 | $83,000 | $147,000 | $32,000 | $84,000 |
| Application Withdrawn By Applicant | 1 | $109,000 | $109,000 | $109,000 | $40,000 | $40,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Collateral | 3 | $225,000 | $75,000 | $75,000 | $0 | $0 |
| Employment History | 2 | $130,000 | $65,000 | $104,000 | $73,000 | $84,000 |
| 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 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Northwood Mortgage Inc.'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 Northwood Mortgage Inc.'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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