Residential Home Lending Mortgage Lending & HMDA Data, 2003
In 2003, Residential Home Lending of Irving, TX reported 1,032 mortgage applications totaling $126.6 million. The average application was for $122,704, and applicants reported an average income of $53,794. 100% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Dallas, TX (516), Fort Worth-Arlington, TX (370) and Houston, TX (33) (applications in parentheses).
| Mortgage Company & Address | Residential Home Lending 105 Decker Court, Suite 1050 Irving, TX 75062 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,032 |
| Total Mortgage Loan Application Amount | $126,631,000 |
| Average Mortgage Loan Application Amount | $122,704 |
| Highest Mortgage Loan Application Amount | $475,000 |
| Average Applicant Income | $53,794 |
| Highest Applicant Income | $739,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Residential Home Lending filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Tarrant, Texas | 355 | $ 42,632,000 | $ 120,090 | $ 56,000 |
| Dallas, Texas | 279 | $ 33,853,000 | $ 121,336 | $ 52,000 |
| Denton, Texas | 97 | $ 13,666,000 | $ 140,886 | $ 52,000 |
| Collin, Texas | 85 | $ 12,880,000 | $ 151,529 | $ 75,000 |
| Ellis, Texas | 35 | $ 4,047,000 | $ 115,628 | $ 56,000 |
| Harris, Texas | 22 | $ 2,782,000 | $ 126,454 | $ 43,000 |
| Bexar, Texas | 12 | $ 1,195,000 | $ 99,583 | $ 43,000 |
| Randall, Texas | 12 | $ 1,223,000 | $ 101,916 | $ 46,000 |
| Kaufman, Texas | 11 | $ 1,117,000 | $ 101,545 | $ 37,000 |
| Johnson, Texas | 10 | $ 1,172,000 | $ 117,200 | $ 56,000 |
| Wilson, Texas | 9 | $ 888,000 | $ 98,666 | $ 45,000 |
| Fort Bend, Texas | 8 | $ 889,000 | $ 111,125 | $ 45,000 |
| Hays, Texas | 6 | $ 632,000 | $ 105,333 | $ 34,000 |
| Henderson, Texas | 5 | $ 442,000 | $ 88,400 | $ 52,000 |
| Lubbock, Texas | 5 | $ 509,000 | $ 101,800 | $ 35,000 |
| Parker, Texas | 5 | $ 431,000 | $ 86,200 | $ 37,000 |
| Potter, Texas | 5 | $ 408,000 | $ 81,600 | $ 35,000 |
| Atascosa, Texas | 4 | $ 423,000 | $ 105,750 | $ 46,000 |
| Fannin, Texas | 4 | $ 349,000 | $ 87,250 | $ 40,000 |
| Grayson, Texas | 4 | $ 456,000 | $ 114,000 | $ 74,000 |
| Kerr, Texas | 4 | $ 488,000 | $ 122,000 | $ 51,000 |
| Van Zandt, Texas | 4 | $ 394,000 | $ 98,500 | $ 45,000 |
| Hunt, Texas | 3 | $ 292,000 | $ 97,333 | $ 50,000 |
| Navarro, Texas | 3 | $ 304,000 | $ 101,333 | $ 42,000 |
| Smith, Texas | 3 | $ 565,000 | $ 188,333 | $ 111,000 |
| Travis, Texas | 3 | $ 325,000 | $ 108,333 | $ 67,000 |
| Wharton, Texas | 3 | $ 343,000 | $ 114,333 | $ 45,000 |
| Austin, Texas | 2 | $ 237,000 | $ 118,500 | $ 47,000 |
| Bandera, Texas | 2 | $ 225,000 | $ 112,500 | $ 39,000 |
| Bastrop, Texas | 2 | $ 223,000 | $ 111,500 | $ 56,000 |
| Bowie, Texas | 2 | $ 143,000 | $ 71,500 | $ 42,000 |
| Caldwell, Texas | 2 | $ 187,000 | $ 93,500 | $ 29,000 |
| Comal, Texas | 2 | $ 174,000 | $ 87,000 | $ 34,000 |
| Montgomery, Texas | 2 | $ 419,000 | $ 209,500 | $ 93,000 |
| Bryan, Oklahoma | 1 | $ 119,000 | $ 119,000 | $ 65,000 |
| Brazoria, Texas | 1 | $ 156,000 | $ 156,000 | $ 80,000 |
| Burnet, Texas | 1 | $ 87,000 | $ 87,000 | $ 0 |
| Cass, Texas | 1 | $ 65,000 | $ 65,000 | $ 28,000 |
| Childress, Texas | 1 | $ 74,000 | $ 74,000 | $ 23,000 |
| Erath, Texas | 1 | $ 173,000 | $ 173,000 | $ 155,000 |
| Gillespie, Texas | 1 | $ 97,000 | $ 97,000 | $ 47,000 |
| Guadalupe, Texas | 1 | $ 123,000 | $ 123,000 | $ 24,000 |
| Hidalgo, Texas | 1 | $ 113,000 | $ 113,000 | $ 43,000 |
| Hill, Texas | 1 | $ 91,000 | $ 91,000 | $ 51,000 |
| Karnes, Texas | 1 | $ 56,000 | $ 56,000 | $ 29,000 |
| Liberty, Texas | 1 | $ 94,000 | $ 94,000 | $ 38,000 |
| McLennan, Texas | 1 | $ 75,000 | $ 75,000 | $ 52,000 |
| Medina, Texas | 1 | $ 101,000 | $ 101,000 | $ 24,000 |
| Nueces, Texas | 1 | $ 144,000 | $ 144,000 | $ 101,000 |
| Rockwall, Texas | 1 | $ 173,000 | $ 173,000 | $ 67,000 |
| Walker, Texas | 1 | $ 64,000 | $ 64,000 | $ 63,000 |
| Wichita, Texas | 1 | $ 83,000 | $ 83,000 | $ 63,000 |
| Wise, Texas | 1 | $ 106,000 | $ 106,000 | $ 37,000 |
Mortgage Loan Application Detail Totals for Residential Home Lending in 2003
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 (one-to-four family) | 822 | $100,707,000 | $122,000 | $475,000 | $55,000 | $739,000 |
| Refinancing (home purchase or home improvement, one-to-four family) | 210 | $25,924,000 | $121,000 | $471,000 | $57,000 | $623,000 |
| Home Improvement (one-to-four family) | 0 | $0 | $0 | $0 | $0 | $0 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 | 566 | $70,264,000 | $121,500 | $475,000 | $59,500 | $739,000 |
| Hispanic | 212 | $24,319,000 | $114,000 | $283,000 | $48,000 | $185,000 |
| Black | 187 | $22,881,000 | $122,000 | $242,000 | $48,000 | $129,000 |
| Asian or Pacific Islander | 38 | $5,064,000 | $133,000 | $332,000 | $63,000 | $375,000 |
| Other | 18 | $2,709,000 | $150,000 | $231,000 | $61,000 | $129,000 |
| Information not provided by applicant in mail or telephone application | 9 | $1,159,000 | $128,000 | $200,000 | $55,000 | $85,000 |
| American Indian or Alaskan Native | 2 | $235,000 | $117,000 | $124,000 | $61,000 | $65,000 |
| Not applicable | 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) | 563 | $64,527,000 | $116,500 | $173,000 | $52,500 | $120,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 440 | $58,413,000 | $132,000 | $475,000 | $74,000 | $739,000 |
| VA-guaranteed (Veterans Administration) | 29 | $3,691,000 | $127,000 | $207,000 | $43,000 | $142,000 |
| 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 | 1,028 | $126,073,000 | $120,500 | $475,000 | $58,500 | $739,000 |
| Application Withdrawn By Applicant | 3 | $460,000 | $153,000 | $275,000 | $67,000 | $132,000 |
| Application Denied By Financial Institution | 1 | $98,000 | $98,000 | $98,000 | $27,000 | $27,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 1 | $98,000 | $98,000 | $98,000 | $27,000 | $27,000 |
| 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 Residential Home Lending's 2003 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 Residential Home Lending'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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