United Built Homes, LLC Mortgage Lending & HMDA Data, 2007

In 2007, United Built Homes, LLC of Shreveport, LA reported 1,504 mortgage applications totaling $192.4 million, up 10% from 2006. The average application was for $127,928, and applicants reported an average income of $61,000. 22% of its applications resulted in an originated loan and 53% were denied. Its largest markets were Houston-Sugar Land-Baytown, TX (93), Fayetteville-Springdale-Rogers, AR-MO (92) and Fort Smith, AR-OK (60) (applications in parentheses).

Mortgage Company & Address United Built Homes, LLC
8500 Line Ave
Shreveport, LA 71106
Tel #: available with data download
Federal Regulator * available with data download
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Total Number of Mortgage Applications 1,504
Total Mortgage Loan Application Amount $192,405,000
Average Mortgage Loan Application Amount $127,928
Highest Mortgage Loan Application Amount $413,000
Average Applicant Income $61,000
Highest Applicant Income $553,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records United Built Homes, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Totals for United Built Homes, LLC by Metropolitan Area in 2007

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
Houston-Sugar Land-Baytown, TX 93 $ 11,367,000 $ 122,225 $ 62,000
Fayetteville-Springdale-Rogers, AR-MO 92 $ 11,999,000 $ 130,423 $ 54,739
Fort Smith, AR-OK 60 $ 7,277,000 $ 121,283 $ 48,000
Shreveport-Bossier City, LA 59 $ 8,493,000 $ 143,949 $ 62,000
Dallas-Plano-Irving, TX 57 $ 6,306,000 $ 110,631 $ 64,000
Little Rock-North Little Rock-Conway, AR 55 $ 6,661,000 $ 121,109 $ 56,000
Tulsa, OK 52 $ 6,373,000 $ 122,557 $ 59,000
Springfield, MO 44 $ 6,774,000 $ 153,954 $ 66,000
Austin-Round Rock, TX 43 $ 6,027,000 $ 140,162 $ 66,000
Baton Rouge, LA 39 $ 5,355,000 $ 137,307 $ 60,000
Sherman-Denison, TX 34 $ 4,642,000 $ 136,529 $ 68,000
Longview, TX 30 $ 4,076,000 $ 135,866 $ 70,000
Beaumont-Port Arthur, TX 26 $ 3,051,000 $ 117,346 $ 53,000
Tyler, TX 24 $ 2,941,000 $ 122,541 $ 63,000
Texarkana, Tx-Texarkana, AR 21 $ 2,565,000 $ 122,142 $ 53,142
Jonesboro, AR 16 $ 1,485,000 $ 92,812 $ 40,000
Joplin, MO 14 $ 1,822,000 $ 130,142 $ 57,000
Monroe, LA 11 $ 1,713,000 $ 155,727 $ 67,000
Fort Worth-Arlington, TX 10 $ 1,342,000 $ 134,200 $ 72,000
San Antonio, TX 10 $ 1,573,000 $ 157,300 $ 76,000
Houma-Bayou Cane-Thibodaux, LA 9 $ 1,229,000 $ 136,555 $ 69,000
Killeen-Temple-Fort Hood, TX 9 $ 1,398,000 $ 155,333 $ 78,000
Pine Bluff, AR 7 $ 644,000 $ 92,000 $ 34,000
Victoria, TX 7 $ 833,000 $ 119,000 $ 59,000
College Station-Bryan, TX 3 $ 301,000 $ 100,333 $ 55,000
Lake Charles, LA 3 $ 444,000 $ 148,000 $ 47,000
Hot Springs, AR 2 $ 195,000 $ 97,500 $ 42,000
Waco, TX 2 $ 211,000 $ 105,500 $ 75,000
Corpus Christi, TX 1 $ 128,000 $ 128,000 $ 103,000
Kansas City, MO-KS 1 $ 199,000 $ 199,000 $ 83,000
Memphis, TN-MS-AR 1 $ 125,000 $ 125,000 $ 73,000
New Orleans-Metairie-Kenner, LA 1 $ 92,000 $ 92,000 $ 76,000

Mortgage Loan Application Detail Totals for United Built Homes, LLC 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
Home Purchase 1,504 $192,405,000 $127,000 $413,000 $61,000 $553,000
Refinancing 0 $0 $0 $0 $0 $0
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 1,103 $143,264,000 $129,000 $413,000 $62,000 $553,000
Black or African American 268 $31,560,000 $117,000 $304,000 $51,000 $240,000
Hispanic 80 $10,533,000 $131,000 $248,000 $67,000 $160,000
American Indian or Alaskan Native 32 $3,916,000 $122,000 $180,000 $49,000 $92,000
Not Provided 15 $2,335,000 $155,000 $287,000 $79,000 $250,000
Asian 3 $412,000 $137,000 $163,000 $101,000 $122,000
Native Hawaiian or Other Pacific Islander 3 $385,000 $128,000 $147,000 $48,000 $66,000
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) 1,504 $192,405,000 $127,000 $413,000 $61,000 $553,000
FHA-insured (Federal Housing Administration) 0 $0 $0 $0 $0 $0
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0
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 Denied By Financial Institution 793 $99,728,000 $125,000 $369,000 $54,000 $260,000
Loan Originated 331 $43,281,000 $130,000 $316,000 $69,000 $330,000
File Closed For Incompleteness 209 $29,104,000 $139,000 $413,000 $72,000 $553,000
Application Approved But Not Accepted 171 $20,292,000 $118,000 $209,000 $61,000 $240,000
Application Withdrawn By Applicant 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 515 $63,025,000 $122,000 $304,000 $53,000 $168,000
Other 181 $24,077,000 $133,000 $369,000 $63,000 $260,000
Debt-To-Income Ratio 76 $9,962,000 $131,000 $308,000 $40,000 $131,000
Employment History 12 $1,443,000 $120,000 $151,000 $59,000 $85,000
Collateral 3 $490,000 $163,000 $190,000 $70,000 $79,000
Mortgage Insurance Denied 3 $399,000 $133,000 $155,000 $41,000 $60,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into United Built Homes, LLC'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 United Built Homes, 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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