Tmg Real Estate & Financial Mortgage Lending & HMDA Data, 2004
In 2004, Tmg Real Estate & Financial of Louisville, KY reported 3,750 mortgage applications totaling $525.9 million. The average application was for $140,235, and applicants reported an average income of $70,454. 35% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (292), Tulsa, OK (229) and Chicago-Naperville-Joliet, IL (184) (applications in parentheses).
| Mortgage Company & Address | Tmg Real Estate & Financial 310 W. Liberty St. Ste 100 Louisville, KY 40202 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 3,750 |
| Total Mortgage Loan Application Amount | $525,882,000 |
| Average Mortgage Loan Application Amount | $140,235 |
| Highest Mortgage Loan Application Amount | $1,141,000 |
| Average Applicant Income | $70,454 |
| Highest Applicant Income | $900,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Tmg Real Estate & Financial filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Tmg Real Estate & Financial in 2004
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 | 2,967 | $420,322,000 | $151,851 | $1,141,000 | $68,185 | $900,000 |
| Home Purchase | 773 | $104,130,000 | $137,720 | $920,000 | $74,440 | $617,000 |
| Home Improvement | 10 | $1,430,000 | $148,857 | $267,000 | $50,000 | $87,000 |
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 | 2,249 | $316,914,000 | $143,037 | $1,100,000 | $69,111 | $720,000 |
| Not Provided | 1,203 | $167,407,000 | $149,076 | $1,141,000 | $70,346 | $900,000 |
| Black or African American | 162 | $21,223,000 | $130,947 | $580,000 | $63,842 | $300,000 |
| Hispanic | 70 | $10,190,000 | $154,888 | $540,000 | $66,111 | $181,000 |
| Asian | 44 | $7,137,000 | $165,470 | $550,000 | $91,588 | $281,000 |
| American Indian or Alaskan Native | 20 | $2,480,000 | $128,454 | $270,000 | $58,454 | $163,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $531,000 | $265,500 | $333,000 | $75,500 | $82,000 |
| 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) | 3,744 | $525,357,000 | $152,821 | $1,141,000 | $70,035 | $900,000 |
| FHA-insured (Federal Housing Administration) | 5 | $432,000 | $95,333 | $141,000 | $34,000 | $46,000 |
| VA-guaranteed (Veterans Administration) | 1 | $93,000 | $93,000 | $93,000 | $33,000 | $33,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 2,196 | $318,260,000 | $155,392 | $1,141,000 | $68,857 | $763,000 |
| Loan Originated | 1,321 | $178,381,000 | $138,730 | $1,000,000 | $76,807 | $900,000 |
| Application Denied By Financial Institution | 226 | $28,520,000 | $128,000 | $558,000 | $51,428 | $504,000 |
| Application Approved But Not Accepted | 5 | $506,000 | $101,200 | $205,000 | $47,000 | $61,000 |
| File Closed For Incompleteness | 2 | $215,000 | $107,500 | $135,000 | $39,000 | $78,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 106 | $12,184,000 | $121,466 | $268,000 | $52,133 | $350,000 |
| Debt-To-Income Ratio | 37 | $4,872,000 | $132,153 | $288,000 | $53,076 | $137,000 |
| Collateral | 27 | $3,500,000 | $124,545 | $340,000 | $55,818 | $128,000 |
| Other | 19 | $2,142,000 | $126,909 | $220,000 | $60,454 | $504,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,217,000 | $173,857 | $315,000 | $82,571 | $300,000 |
| Credit Application Incomplete | 7 | $1,261,000 | $154,400 | $558,000 | $91,200 | $271,000 |
| Employment History | 3 | $493,000 | $147,000 | $328,000 | $86,500 | $174,000 |
| Unverifiable Information | 3 | $293,000 | $97,666 | $116,000 | $14,666 | $19,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Tmg Real Estate & Financial's 2004 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 Tmg Real Estate & Financial'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 Kentucky, download the full spreadsheet
with aggregated HMDA statistics today.
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