Tmg Real Estate & Financial Mortgage Lending & HMDA Data, 2007
In 2007, Tmg Real Estate & Financial of Louisville, KY reported 13,636 mortgage applications totaling $2.6 billion, up 62% from 2006. The average application was for $192,095, and applicants reported an average income of $85,659. 10% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (517), Atlanta-Sandy Springs-Marietta, GA (516) and Louisville-Jefferson County, KY-IN (429) (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 | 13,636 |
| Total Mortgage Loan Application Amount | $2,619,419,000 |
| Average Mortgage Loan Application Amount | $192,095 |
| Highest Mortgage Loan Application Amount | $2,300,000 |
| Average Applicant Income | $85,659 |
| Highest Applicant Income | $3,300,000 |
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records Tmg Real Estate & Financial filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2007
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 | 8,999 | $1,731,454,000 | $192,000 | $2,300,000 | $86,000 | $3,300,000 |
| Home Purchase | 4,637 | $887,965,000 | $191,000 | $2,000,000 | $85,000 | $2,280,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not Provided | 13,155 | $2,521,052,000 | $191,000 | $2,300,000 | $86,000 | $3,300,000 |
| Hispanic | 321 | $68,476,000 | $213,000 | $1,290,000 | $84,000 | $432,000 |
| White | 140 | $26,289,000 | $187,000 | $688,000 | $97,000 | $1,020,000 |
| Black or African American | 13 | $2,398,000 | $184,000 | $475,000 | $78,000 | $120,000 |
| American Indian or Alaskan Native | 3 | $510,000 | $170,000 | $232,000 | $142,000 | $186,000 |
| Asian | 3 | $648,000 | $216,000 | $240,000 | $83,000 | $120,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $46,000 | $46,000 | $46,000 | $62,000 | $62,000 |
| 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) | 13,491 | $2,597,328,000 | $192,000 | $2,300,000 | $86,000 | $3,300,000 |
| FHA-insured (Federal Housing Administration) | 136 | $19,664,000 | $144,000 | $315,000 | $59,000 | $177,000 |
| VA-guaranteed (Veterans Administration) | 5 | $1,362,000 | $272,000 | $417,000 | $90,000 | $134,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $1,065,000 | $266,000 | $352,000 | $80,000 | $182,000 |
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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 9,397 | $1,830,301,000 | $194,000 | $2,120,000 | $88,000 | $3,300,000 |
| File Closed For Incompleteness | 1,643 | $332,877,000 | $202,000 | $1,513,000 | $86,000 | $2,280,000 |
| Loan Originated | 1,429 | $232,529,000 | $162,000 | $1,100,000 | $82,000 | $1,380,000 |
| Application Denied By Financial Institution | 1,164 | $223,360,000 | $191,000 | $2,300,000 | $71,000 | $1,020,000 |
| Application Approved But Not Accepted | 3 | $352,000 | $117,000 | $169,000 | $117,000 | $250,000 |
| 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 | 311 | $53,841,000 | $173,000 | $950,000 | $68,000 | $900,000 |
| Other | 127 | $25,797,000 | $203,000 | $661,000 | $76,000 | $864,000 |
| Debt-To-Income Ratio | 118 | $29,012,000 | $245,000 | $2,000,000 | $65,000 | $180,000 |
| Collateral | 104 | $21,486,000 | $206,000 | $630,000 | $99,000 | $1,020,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 52 | $11,453,000 | $220,000 | $2,300,000 | $62,000 | $300,000 |
| Unverifiable Information | 19 | $3,976,000 | $209,000 | $423,000 | $88,000 | $288,000 |
| Employment History | 9 | $1,307,000 | $145,000 | $360,000 | $57,000 | $226,000 |
| Credit Application Incomplete | 6 | $953,000 | $158,000 | $320,000 | $95,000 | $187,000 |
| Mortgage Insurance Denied | 5 | $757,000 | $151,000 | $310,000 | $48,000 | $83,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Tmg Real Estate & Financial's 2007 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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