Strategic Lending Group Inc Mortgage Lending & HMDA Data, 2013
In 2013, Strategic Lending Group Inc of El Paso, TX reported 1,857 mortgage applications totaling $384.8 million. The average application was for $207,207, and applicants reported an average income of $124,675. 40% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Houston-Sugar Land-Baytown, TX (473), Dallas-Plano-Irving, TX (290) and Austin-Round Rock-San Marcos, TX (208) (applications in parentheses).
| Mortgage Company & Address | Strategic Lending Group Inc 201 E Main Suite 510 El Paso, TX 79901 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2013 |
| Total Number of Mortgage Applications | 1,857 |
| Total Mortgage Loan Application Amount | $384,785,000 |
| Average Mortgage Loan Application Amount | $207,207 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $124,675 |
| Highest Applicant Income | $7,485,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Strategic Lending Group Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Houston-Sugar Land-Baytown, TX | 473 | $ 100,905,000 | $ 213,329 | $ 131,000 |
| Dallas-Plano-Irving, TX | 290 | $ 63,265,000 | $ 218,155 | $ 128,000 |
| Austin-Round Rock-San Marcos, TX | 208 | $ 46,256,000 | $ 222,384 | $ 123,000 |
| El Paso, TX | 171 | $ 31,274,000 | $ 182,888 | $ 170,000 |
| San Antonio-New Braunfels, TX | 144 | $ 29,073,000 | $ 201,895 | $ 105,000 |
| Fort Worth-Arlington, TX | 124 | $ 25,061,000 | $ 202,104 | $ 111,000 |
| Denver-Aurora-Broomfield, CO | 51 | $ 11,244,000 | $ 220,470 | $ 120,000 |
| Las Cruces, NM | 34 | $ 5,858,000 | $ 172,294 | $ 91,000 |
| McAllen-Edinburg-Mission, TX | 25 | $ 4,435,000 | $ 177,400 | $ 98,000 |
| Albuquerque, NM | 23 | $ 4,626,000 | $ 201,130 | $ 91,000 |
| Corpus Christi, TX | 18 | $ 3,321,000 | $ 184,500 | $ 104,000 |
| College Station-Bryan, TX | 14 | $ 2,489,000 | $ 177,785 | $ 87,000 |
| Killeen-Temple-Fort Hood, TX | 14 | $ 2,517,000 | $ 179,785 | $ 116,000 |
| Midland, TX | 14 | $ 2,784,000 | $ 198,857 | $ 82,000 |
| Beaumont-Port Arthur, TX | 13 | $ 2,614,000 | $ 201,076 | $ 149,000 |
| Colorado Springs, CO | 12 | $ 2,519,000 | $ 209,916 | $ 86,000 |
| Amarillo, TX | 11 | $ 2,223,000 | $ 202,090 | $ 101,000 |
| Brownsville-Harlingen, TX | 9 | $ 1,813,000 | $ 201,444 | $ 86,000 |
| Longview, TX | 9 | $ 1,889,000 | $ 209,888 | $ 181,000 |
| Farmington, NM | 8 | $ 1,744,000 | $ 218,000 | $ 185,000 |
| Sherman-Denison, TX | 8 | $ 1,598,000 | $ 199,750 | $ 128,000 |
| Boulder, CO | 7 | $ 1,744,000 | $ 249,142 | $ 80,000 |
| Lubbock, TX | 7 | $ 1,802,000 | $ 257,428 | $ 259,000 |
| Santa Fe, NM | 7 | $ 1,709,000 | $ 244,142 | $ 113,000 |
| Tyler, TX | 7 | $ 1,061,000 | $ 151,571 | $ 122,000 |
| Victoria, TX | 6 | $ 922,000 | $ 153,666 | $ 76,000 |
| Fort Collins-Loveland, CO | 5 | $ 913,000 | $ 182,600 | $ 68,000 |
| Laredo, TX | 5 | $ 798,000 | $ 159,600 | $ 101,000 |
| Odessa, TX | 5 | $ 891,000 | $ 178,200 | $ 118,000 |
| Abilene, TX | 4 | $ 741,000 | $ 185,250 | $ 127,000 |
| Waco, TX | 4 | $ 752,000 | $ 188,000 | $ 83,000 |
| Grand Junction, CO | 2 | $ 636,000 | $ 318,000 | $ 76,000 |
| Wichita Falls, TX | 2 | $ 314,000 | $ 157,000 | $ 84,000 |
| Greeley, CO | 1 | $ 245,000 | $ 245,000 | $ 73,000 |
| Pueblo, CO | 1 | $ 230,000 | $ 230,000 | $ 44,000 |
| Texarkana, Tx-Texarkana, AR | 1 | $ 125,000 | $ 125,000 | $ 132,000 |
Mortgage Loan Application Detail Totals for Strategic Lending Group Inc in 2013
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 |
|---|---|---|---|---|---|---|
| Refinancing | 1,578 | $327,637,000 | $207,000 | $572,000 | $121,000 | $1,276,000 |
| Home Purchase | 174 | $35,154,000 | $202,000 | $1,000,000 | $156,000 | $7,485,000 |
| Home Improvement | 105 | $21,994,000 | $209,000 | $417,000 | $128,000 | $393,000 |
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 | 810 | $173,489,000 | $214,000 | $1,000,000 | $133,000 | $7,485,000 |
| Not Provided | 657 | $136,831,000 | $208,000 | $495,000 | $122,000 | $659,000 |
| Hispanic | 273 | $50,069,000 | $183,000 | $417,000 | $107,000 | $950,000 |
| Asian | 70 | $15,101,000 | $215,000 | $409,000 | $124,000 | $435,000 |
| Black or African American | 33 | $6,453,000 | $195,000 | $572,000 | $115,000 | $686,000 |
| American Indian or Alaskan Native | 11 | $2,273,000 | $206,000 | $308,000 | $129,000 | $194,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $569,000 | $189,000 | $258,000 | $97,000 | $116,000 |
| 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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,802 | $375,166,000 | $208,000 | $1,000,000 | $126,000 | $7,485,000 |
| FHA-insured (Federal Housing Administration) | 55 | $9,619,000 | $174,000 | $348,000 | $84,000 | $197,000 |
| 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 | 739 | $156,859,000 | $212,000 | $1,000,000 | $137,000 | $7,485,000 |
| Application Withdrawn By Applicant | 629 | $129,855,000 | $206,000 | $572,000 | $123,000 | $1,254,000 |
| Application Denied By Financial Institution | 270 | $53,977,000 | $199,000 | $417,000 | $88,000 | $677,000 |
| File Closed For Incompleteness | 203 | $40,725,000 | $200,000 | $417,000 | $132,000 | $1,276,000 |
| Application Approved But Not Accepted | 16 | $3,369,000 | $210,000 | $403,000 | $116,000 | $282,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 116 | $24,018,000 | $207,000 | $417,000 | $72,000 | $218,000 |
| Credit History | 57 | $10,920,000 | $191,000 | $410,000 | $84,000 | $308,000 |
| Collateral | 43 | $9,123,000 | $212,000 | $402,000 | $114,000 | $227,000 |
| Unverifiable Information | 29 | $5,293,000 | $182,000 | $403,000 | $122,000 | $677,000 |
| Other | 11 | $1,922,000 | $174,000 | $341,000 | $115,000 | $205,000 |
| Credit Application Incomplete | 8 | $1,414,000 | $176,000 | $276,000 | $73,000 | $111,000 |
| Employment History | 4 | $814,000 | $203,000 | $244,000 | $60,000 | $192,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $473,000 | $236,000 | $317,000 | $132,000 | $207,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Strategic Lending Group Inc's 2013 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 Strategic Lending Group 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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