Oxxford Mortgage, Llc. Mortgage Lending & HMDA Data, 2008
In 2008, Oxxford Mortgage, Llc. of Birmingham, AL reported 25 mortgage applications totaling $6.9 million, down 69% from 2007. The average application was for $277,680, and applicants reported an average income of $125,200. 72% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (3), Nashville-Davidson--Murfreesboro--Franklin, TN (3) and Wilmington, NC (2) (applications in parentheses).
| Mortgage Company & Address | Oxxford Mortgage, Llc. 1900 Crestwood Boulevard Birmingham, AL 35210 |
| Federal Regulator | * available with data download |
| Years | 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 25 |
| Total Mortgage Loan Application Amount | $6,942,000 |
| Average Mortgage Loan Application Amount | $277,680 |
| Highest Mortgage Loan Application Amount | $850,000 |
| Average Applicant Income | $125,200 |
| Highest Applicant Income | $213,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Oxxford Mortgage, Llc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Atlanta-Sandy Springs-Marietta, GA | 3 | $ 725,000 | $ 241,666 | $ 184,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 1,302,000 | $ 434,000 | $ 133,000 |
| Wilmington, NC | 2 | $ 484,000 | $ 242,000 | $ 126,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 143,000 | $ 143,000 | $ 69,000 |
| Chicago-Naperville-Joliet, IL | 1 | $ 370,000 | $ 370,000 | $ 181,000 |
| Edison-New Brunswick, NJ | 1 | $ 130,000 | $ 130,000 | $ 90,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 417,000 | $ 417,000 | $ 213,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 350,000 | $ 350,000 | $ 106,000 |
| Louisville-Jefferson County, KY-IN | 1 | $ 360,000 | $ 360,000 | $ 155,000 |
| Memphis, TN-MS-AR | 1 | $ 194,000 | $ 194,000 | $ 138,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 388,000 | $ 388,000 | $ 130,000 |
| Pittsburgh, PA | 1 | $ 251,000 | $ 251,000 | $ 125,000 |
| Scranton--Wilkes-Barre, PA | 1 | $ 90,000 | $ 90,000 | $ 82,000 |
| State College, PA | 1 | $ 250,000 | $ 250,000 | $ 101,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 170,000 | $ 170,000 | $ 34,000 |
Mortgage Loan Application Detail Totals for Oxxford Mortgage, Llc. in 2008
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 | 24 | $6,772,000 | $282,000 | $850,000 | $129,000 | $213,000 |
| Refinancing | 1 | $170,000 | $170,000 | $170,000 | $34,000 | $34,000 |
| 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 | 23 | $6,337,000 | $275,000 | $850,000 | $125,000 | $213,000 |
| Black or African American | 1 | $346,000 | $346,000 | $346,000 | $111,000 | $111,000 |
| Hispanic | 1 | $259,000 | $259,000 | $259,000 | $149,000 | $149,000 |
| 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 |
| 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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 25 | $6,942,000 | $277,000 | $850,000 | $125,000 | $213,000 |
| 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 | 18 | $4,380,000 | $243,000 | $417,000 | $124,000 | $213,000 |
| File Closed For Incompleteness | 4 | $1,012,000 | $253,000 | $370,000 | $111,000 | $181,000 |
| Preapproval Approved but not Accepted | 2 | $700,000 | $350,000 | $400,000 | $131,000 | $200,000 |
| Application Approved But Not Accepted | 1 | $850,000 | $850,000 | $850,000 | $200,000 | $200,000 |
| Application Denied By Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 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 | 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 |
| 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 Oxxford Mortgage, Llc.'s 2008 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 Oxxford Mortgage, Llc.'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.
For a list of all lenders in Alabama, download the full spreadsheet
with aggregated HMDA statistics today.
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