Tmg Real Estate & Financial Mortgage Lending & HMDA Data, 2006
In 2006, Tmg Real Estate & Financial of Louisville, KY reported 8,432 mortgage applications totaling $1.2 billion, up 31% from 2005. The average application was for $144,086, and applicants reported an average income of $73,808. 27% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (380), Atlanta-Sandy Springs-Marietta, GA (350) and Tulsa, OK (317) (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 | 8,432 |
| Total Mortgage Loan Application Amount | $1,214,941,000 |
| Average Mortgage Loan Application Amount | $144,086 |
| Highest Mortgage Loan Application Amount | $2,672,000 |
| Average Applicant Income | $73,808 |
| Highest Applicant Income | $8,765,000 |
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records Tmg Real Estate & Financial filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2006
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 | 5,385 | $768,726,000 | $142,000 | $2,672,000 | $72,000 | $1,200,000 |
| Home Purchase | 3,044 | $445,695,000 | $146,000 | $1,861,000 | $77,000 | $8,765,000 |
| Home Improvement | 3 | $520,000 | $173,000 | $280,000 | $81,000 | $103,000 |
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 |
|---|---|---|---|---|---|---|
| Not Provided | 8,102 | $1,167,455,000 | $144,000 | $2,672,000 | $74,000 | $8,765,000 |
| White | 183 | $23,799,000 | $130,000 | $450,000 | $63,000 | $192,000 |
| Hispanic | 132 | $20,416,000 | $154,000 | $669,000 | $70,000 | $240,000 |
| Black or African American | 11 | $1,620,000 | $147,000 | $219,000 | $54,000 | $79,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $756,000 | $252,000 | $626,000 | $85,000 | $120,000 |
| American Indian or Alaskan Native | 1 | $895,000 | $895,000 | $895,000 | $229,000 | $229,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 8,418 | $1,213,584,000 | $144,000 | $2,672,000 | $74,000 | $8,765,000 |
| FHA-insured (Federal Housing Administration) | 9 | $887,000 | $98,000 | $145,000 | $43,000 | $89,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $470,000 | $94,000 | $150,000 | $60,000 | $87,000 |
| 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 | 5,886 | $901,334,000 | $153,000 | $2,672,000 | $75,000 | $8,765,000 |
| Loan Originated | 2,295 | $279,312,000 | $121,000 | $1,861,000 | $73,000 | $1,200,000 |
| Application Denied By Financial Institution | 243 | $32,997,000 | $135,000 | $895,000 | $59,000 | $696,000 |
| File Closed For Incompleteness | 8 | $1,298,000 | $162,000 | $406,000 | $58,000 | $115,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 71 | $9,600,000 | $135,000 | $660,000 | $56,000 | $567,000 |
| Debt-To-Income Ratio | 20 | $2,764,000 | $138,000 | $408,000 | $53,000 | $177,000 |
| Other | 19 | $3,343,000 | $175,000 | $395,000 | $58,000 | $180,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $327,000 | $81,000 | $144,000 | $38,000 | $53,000 |
| Collateral | 4 | $589,000 | $147,000 | $324,000 | $63,000 | $100,000 |
| Credit Application Incomplete | 1 | $75,000 | $75,000 | $75,000 | $18,000 | $18,000 |
| Employment History | 1 | $240,000 | $240,000 | $240,000 | $106,000 | $106,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Tmg Real Estate & Financial's 2006 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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