The Home Lending Group, LLC Mortgage Lending & HMDA Data, 2016
In 2016, The Home Lending Group, LLC of Flowood, MS reported 1,551 mortgage applications totaling $272.4 million, down 1% from 2015. The average application was for $175,651, and applicants reported an average income of $76,000. 76% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Jackson, MS (308), Austin-Round Rock, TX (295) and Gulfport-Biloxi-Pascagoula, MS (176) (applications in parentheses).
| Mortgage Company & Address | The Home Lending Group, LLC 215 Katherine Drive Flowood, MS 39232 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 2014 |
| Total Number of Mortgage Applications | 1,551 |
| Total Mortgage Loan Application Amount | $272,436,000 |
| Average Mortgage Loan Application Amount | $175,651 |
| Highest Mortgage Loan Application Amount | $766,000 |
| Average Applicant Income | $76,000 |
| Highest Applicant Income | $2,080,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records The Home Lending Group, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 The Home Lending Group, LLC in 2016
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 | 1,186 | $190,148,000 | $160,000 | $600,000 | $72,000 | $2,080,000 |
| Refinancing | 365 | $82,288,000 | $225,000 | $766,000 | $89,000 | $645,000 |
| 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 | 822 | $150,681,000 | $183,000 | $766,000 | $84,000 | $748,000 |
| Black or African American | 339 | $46,625,000 | $137,000 | $417,000 | $62,000 | $2,080,000 |
| Hispanic | 322 | $60,510,000 | $187,000 | $538,000 | $66,000 | $618,000 |
| Asian | 24 | $4,805,000 | $200,000 | $417,000 | $101,000 | $313,000 |
| Native Hawaiin or Other Pacific Islander | 19 | $3,969,000 | $208,000 | $417,000 | $88,000 | $193,000 |
| Not Provided | 14 | $3,931,000 | $280,000 | $487,000 | $141,000 | $530,000 |
| American Indian or Alaskan Native | 11 | $1,915,000 | $174,000 | $417,000 | $82,000 | $188,000 |
| 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) | 671 | $115,473,000 | $172,000 | $538,000 | $64,000 | $2,080,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 562 | $100,951,000 | $179,000 | $766,000 | $102,000 | $748,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 174 | $22,928,000 | $131,000 | $488,000 | $47,000 | $208,000 |
| VA-guaranteed (Veterans Administration) | 144 | $33,084,000 | $229,000 | $536,000 | $68,000 | $279,000 |
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 | 1,175 | $209,361,000 | $178,000 | $766,000 | $75,000 | $748,000 |
| Application Denied By Financial Institution | 197 | $34,411,000 | $174,000 | $616,000 | $95,000 | $2,080,000 |
| Application Withdrawn By Applicant | 162 | $25,501,000 | $157,000 | $488,000 | $62,000 | $252,000 |
| Application Approved But Not Accepted | 9 | $1,839,000 | $204,000 | $367,000 | $95,000 | $278,000 |
| File Closed For Incompleteness | 7 | $1,320,000 | $188,000 | $354,000 | $73,000 | $109,000 |
| Preapproval Approved but not Accepted | 1 | $4,000 | $4,000 | $4,000 | $46,000 | $46,000 |
| Preapproval Denied by Financial Institution | 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 |
|---|---|---|---|---|---|---|
| Other | 14 | $1,537,000 | $109,000 | $325,000 | $58,000 | $152,000 |
| Debt-To-Income Ratio | 10 | $1,647,000 | $164,000 | $255,000 | $61,000 | $116,000 |
| Credit History | 7 | $818,000 | $116,000 | $175,000 | $45,000 | $102,000 |
| Employment History | 6 | $1,003,000 | $167,000 | $260,000 | $58,000 | $72,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $277,000 | $92,000 | $104,000 | $62,000 | $87,000 |
| Collateral | 3 | $199,000 | $66,000 | $113,000 | $43,000 | $52,000 |
| Unverifiable Information | 1 | $257,000 | $257,000 | $257,000 | $64,000 | $64,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Home Lending Group, LLC's 2016 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 The Home Lending Group, 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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