P.G.A. Mortgage Co., LLC Mortgage Lending & HMDA Data, 2009
In 2009, P.G.A. Mortgage Co., LLC of Dothan, AL reported 19 mortgage applications totaling $1.9 million, down 58% from 2008. The average application was for $101,473, and applicants reported an average income of $50,157. 89% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Dothan, AL (10), Gulfport-Biloxi, MS (1) and Tampa-St. Petersburg-Clearwater, FL (1) (applications in parentheses).
| Mortgage Company & Address | P.G.A. Mortgage Co., LLC 1609 W Main St Ste 203 Dothan, AL 36301 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2012 2011 2010 2009 2008 2007 |
| Total Number of Mortgage Applications | 19 |
| Total Mortgage Loan Application Amount | $1,928,000 |
| Average Mortgage Loan Application Amount | $101,473 |
| Highest Mortgage Loan Application Amount | $170,000 |
| Average Applicant Income | $50,157 |
| Highest Applicant Income | $110,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records P.G.A. Mortgage Co., LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for P.G.A. Mortgage Co., LLC in 2009
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 | 18 | $1,854,000 | $103,000 | $170,000 | $51,000 | $110,000 |
| Refinancing | 1 | $74,000 | $74,000 | $74,000 | $35,000 | $35,000 |
| 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 | 18 | $1,858,000 | $103,000 | $170,000 | $49,000 | $110,000 |
| Black or African American | 1 | $70,000 | $70,000 | $70,000 | $69,000 | $69,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 19 | $1,928,000 | $101,000 | $170,000 | $50,000 | $110,000 |
| 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 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 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 | 17 | $1,769,000 | $104,000 | $170,000 | $50,000 | $110,000 |
| Preapproval Denied by Financial Institution | 1 | $110,000 | $110,000 | $110,000 | $70,000 | $70,000 |
| Application Withdrawn By Applicant | 1 | $49,000 | $49,000 | $49,000 | $17,000 | $17,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Denied By Financial Institution | 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 |
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 | $110,000 | $110,000 | $110,000 | $70,000 | $70,000 |
| 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 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into P.G.A. Mortgage Co., LLC's 2009 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 P.G.A. Mortgage Co., 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.
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