Tmg Real Estate & Financial Mortgage Lending & HMDA Data, 2005
In 2005, Tmg Real Estate & Financial of Louisville, KY reported 6,441 mortgage applications totaling $1.0 billion, up 72% from 2004. The average application was for $155,902, and applicants reported an average income of $74,340. 36% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (381), Tulsa, OK (293) and Louisville, KY-IN (290) (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 | 6,441 |
| Total Mortgage Loan Application Amount | $1,004,167,000 |
| Average Mortgage Loan Application Amount | $155,902 |
| Highest Mortgage Loan Application Amount | $2,705,000 |
| Average Applicant Income | $74,340 |
| Highest Applicant Income | $1,200,000 |
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records Tmg Real Estate & Financial filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2005
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 | 4,552 | $701,600,000 | $150,903 | $2,705,000 | $73,516 | $1,200,000 |
| Home Purchase | 1,882 | $301,125,000 | $178,756 | $2,000,000 | $83,756 | $660,000 |
| Home Improvement | 7 | $1,442,000 | $184,000 | $445,000 | $91,400 | $210,000 |
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 | 3,805 | $596,164,000 | $168,147 | $2,200,000 | $78,647 | $960,000 |
| Not Provided | 2,099 | $324,191,000 | $172,312 | $2,705,000 | $78,781 | $1,200,000 |
| Black or African American | 253 | $35,361,000 | $135,000 | $795,000 | $67,500 | $222,000 |
| Hispanic | 153 | $23,341,000 | $154,227 | $570,000 | $68,000 | $272,000 |
| Asian | 99 | $20,815,000 | $207,142 | $1,575,000 | $99,000 | $660,000 |
| American Indian or Alaskan Native | 25 | $3,214,000 | $145,461 | $313,000 | $69,153 | $180,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $1,081,000 | $162,000 | $399,000 | $73,833 | $140,000 |
| 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) | 6,417 | $1,001,411,000 | $169,263 | $2,705,000 | $79,289 | $1,200,000 |
| FHA-insured (Federal Housing Administration) | 17 | $2,020,000 | $125,833 | $181,000 | $42,500 | $103,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $736,000 | $99,200 | $172,000 | $44,200 | $84,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 3,768 | $620,477,000 | $177,085 | $2,705,000 | $78,628 | $1,000,000 |
| Loan Originated | 2,322 | $335,827,000 | $150,354 | $1,275,000 | $80,290 | $1,200,000 |
| Application Denied By Financial Institution | 342 | $46,583,000 | $153,428 | $658,000 | $64,928 | $232,000 |
| Application Approved But Not Accepted | 6 | $870,000 | $155,400 | $260,000 | $104,800 | $222,000 |
| File Closed For Incompleteness | 3 | $410,000 | $136,666 | $160,000 | $44,000 | $65,000 |
| 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 | 211 | $26,705,000 | $139,888 | $658,000 | $56,370 | $185,000 |
| Other | 26 | $4,278,000 | $139,444 | $485,000 | $71,888 | $180,000 |
| Debt-To-Income Ratio | 25 | $3,776,000 | $140,166 | $381,000 | $46,833 | $140,000 |
| Collateral | 16 | $2,389,000 | $134,285 | $658,000 | $81,714 | $232,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $403,000 | $146,500 | $183,000 | $52,500 | $59,000 |
| Credit Application Incomplete | 2 | $200,000 | $100,000 | $145,000 | $22,000 | $26,000 |
| Unverifiable Information | 1 | $218,000 | $218,000 | $218,000 | $96,000 | $96,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Tmg Real Estate & Financial's 2005 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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