Upequity Spv2, LLC Mortgage Lending & HMDA Data, 2022
In 2022, Upequity Spv2, LLC of Austin, TX reported 254 mortgage applications totaling $91.2 million. The average application was for $358,976, and applicants reported an average income of $148,409. 59% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Austin-Round Rock, TX (65), Atlanta-Sandy Springs-Roswell, GA (46) and Dallas-Plano-Irving, TX (23) (applications in parentheses).
| Mortgage Company & Address | Upequity Spv2, LLC 3100 Alvin Devane Blvd Building A Ste 100 Austin, TX 78741 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2022 |
| Total Number of Mortgage Applications | 254 |
| Total Mortgage Loan Application Amount | $91,180,000 |
| Average Mortgage Loan Application Amount | $358,976 |
| Highest Mortgage Loan Application Amount | $1,425,000 |
| Average Applicant Income | $148,409 |
| Highest Applicant Income | $618,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Upequity Spv2, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Travis, Texas | 34 | $ 13,890,000 | $ 408,529 | $ 164,000 |
| Williamson, Texas | 22 | $ 7,510,000 | $ 341,363 | $ 190,000 |
| Bexar, Texas | 14 | $ 4,070,000 | $ 290,714 | $ 158,000 |
| Harris, Texas | 13 | $ 3,675,000 | $ 282,692 | $ 140,000 |
| Cobb, Georgia | 12 | $ 4,680,000 | $ 390,000 | $ 139,000 |
| Fulton, Georgia | 12 | $ 5,070,000 | $ 422,500 | $ 137,000 |
| Dallas, Texas | 12 | $ 3,950,000 | $ 329,166 | $ 113,000 |
| Broward, Florida | 9 | $ 3,305,000 | $ 367,222 | $ 129,000 |
| Tarrant, Texas | 9 | $ 3,125,000 | $ 347,222 | $ 138,000 |
| Hays, Texas | 8 | $ 2,880,000 | $ 360,000 | $ 175,000 |
| Cherokee, Georgia | 6 | $ 2,120,000 | $ 353,333 | $ 129,000 |
| Collin, Texas | 6 | $ 2,340,000 | $ 390,000 | $ 163,000 |
| Gwinnett, Georgia | 5 | $ 2,725,000 | $ 545,000 | $ 240,000 |
| Montgomery, Texas | 5 | $ 1,335,000 | $ 267,000 | $ 90,000 |
| DeKalb, Georgia | 4 | $ 1,470,000 | $ 367,500 | $ 135,000 |
| Maricopa, Arizona | 3 | $ 875,000 | $ 291,666 | $ 105,000 |
| Hillsborough, Florida | 3 | $ 1,115,000 | $ 371,666 | $ 127,000 |
| Forsyth, Georgia | 3 | $ 1,365,000 | $ 455,000 | $ 161,000 |
| Denton, Texas | 3 | $ 1,165,000 | $ 388,333 | $ 132,000 |
| Fort Bend, Texas | 3 | $ 845,000 | $ 281,666 | $ 88,000 |
| Hernando, Florida | 2 | $ 520,000 | $ 260,000 | $ 81,000 |
| Miami-Dade, Florida | 2 | $ 1,150,000 | $ 575,000 | $ 164,000 |
| Clayton, Georgia | 2 | $ 320,000 | $ 160,000 | $ 72,000 |
| Gilmer, Georgia | 2 | $ 630,000 | $ 315,000 | $ 128,000 |
| Mercer, Illinois | 2 | $ 770,000 | $ 385,000 | $ 183,000 |
| Hudson, New Jersey | 2 | $ 1,670,000 | $ 835,000 | $ 169,000 |
| Shelby, Tennessee | 2 | $ 410,000 | $ 205,000 | $ 618,000 |
| El Paso, Texas | 2 | $ 340,000 | $ 170,000 | $ 57,000 |
| Nueces, Texas | 2 | $ 1,040,000 | $ 520,000 | $ 130,000 |
| Alameda, California | 1 | $ 635,000 | $ 635,000 | $ 148,000 |
| El Dorado, California | 1 | $ 575,000 | $ 575,000 | $ 145,000 |
| Los Angeles, California | 1 | $ 725,000 | $ 725,000 | $ 188,000 |
| Riverside, California | 1 | $ 335,000 | $ 335,000 | $ 117,000 |
| San Francisco, California | 1 | $ 85,000 | $ 85,000 | $ 97,000 |
| San Joaquin, California | 1 | $ 325,000 | $ 325,000 | $ 70,000 |
| Larimer, Colorado | 1 | $ 235,000 | $ 235,000 | $ 52,000 |
| Mesa, Colorado | 1 | $ 235,000 | $ 235,000 | $ 65,000 |
| Alachua, Florida | 1 | $ 155,000 | $ 155,000 | $ 61,000 |
| Indian River, Florida | 1 | $ 635,000 | $ 635,000 | $ 255,000 |
| Lake, Florida | 1 | $ 325,000 | $ 325,000 | $ 76,000 |
| Marion, Florida | 1 | $ 345,000 | $ 345,000 | $ 124,000 |
| Orange, Florida | 1 | $ 465,000 | $ 465,000 | $ 105,000 |
| Osceola, Florida | 1 | $ 95,000 | $ 95,000 | $ 37,000 |
| Palm Beach, Florida | 1 | $ 265,000 | $ 265,000 | $ 65,000 |
| Pinellas, Florida | 1 | $ 295,000 | $ 295,000 | $ 153,000 |
| Sarasota, Florida | 1 | $ 495,000 | $ 495,000 | $ 235,000 |
| Walton, Florida | 1 | $ 555,000 | $ 555,000 | $ 120,000 |
| Hall, Georgia | 1 | $ 285,000 | $ 285,000 | $ 150,000 |
| Paulding, Georgia | 1 | $ 215,000 | $ 215,000 | $ 109,000 |
| Pickens, Georgia | 1 | $ 445,000 | $ 445,000 | $ 200,000 |
| White, Georgia | 1 | $ 235,000 | $ 235,000 | $ 49,000 |
| Whitfield, Georgia | 1 | $ 395,000 | $ 395,000 | $ 134,000 |
| Cook, Illinois | 1 | $ 115,000 | $ 115,000 | $ 40,000 |
| Marion, Illinois | 1 | $ 205,000 | $ 205,000 | $ 79,000 |
| Wyandotte, Kansas | 1 | $ 405,000 | $ 405,000 | $ 114,000 |
| Blount, Tennessee | 1 | $ 625,000 | $ 625,000 | $ 145,000 |
| Knox, Tennessee | 1 | $ 555,000 | $ 555,000 | $ 169,000 |
| Aransas, Texas | 1 | $ 315,000 | $ 315,000 | $ 469,000 |
| Bandera, Texas | 1 | $ 325,000 | $ 325,000 | $ 100,000 |
| Bell, Texas | 1 | $ 205,000 | $ 205,000 | $ 207,000 |
| Brazoria, Texas | 1 | $ 205,000 | $ 205,000 | $ 120,000 |
| Brazos, Texas | 1 | $ 185,000 | $ 185,000 | $ 61,000 |
| Caldwell, Texas | 1 | $ 245,000 | $ 245,000 | $ 73,000 |
| Chambers, Texas | 1 | $ 235,000 | $ 235,000 | $ 62,000 |
| Ellis, Texas | 1 | $ 395,000 | $ 395,000 | $ 149,000 |
| Fannin, Texas | 1 | $ 305,000 | $ 305,000 | $ 158,000 |
| Frio, Texas | 1 | $ 625,000 | $ 625,000 | $ 150,000 |
| Gillespie, Texas | 1 | $ 335,000 | $ 335,000 | $ 285,000 |
| Grayson, Texas | 1 | $ 275,000 | $ 275,000 | $ 103,000 |
| Guadalupe, Texas | 1 | $ 425,000 | $ 425,000 | $ 149,000 |
| Hidalgo, Texas | 1 | $ 245,000 | $ 245,000 | $ 113,000 |
| Kendall, Texas | 1 | $ 275,000 | $ 275,000 | $ 77,000 |
| Kleberg, Texas | 1 | $ 145,000 | $ 145,000 | $ 152,000 |
| Llano, Texas | 1 | $ 455,000 | $ 455,000 | $ 240,000 |
| Medina, Texas | 1 | $ 395,000 | $ 395,000 | $ 143,000 |
| Rockwall, Texas | 1 | $ 275,000 | $ 275,000 | $ 90,000 |
| Taylor, Texas | 1 | $ 265,000 | $ 265,000 | $ 128,000 |
| Van Zandt, Texas | 1 | $ 175,000 | $ 175,000 | $ 52,000 |
| Victoria, Texas | 1 | $ 255,000 | $ 255,000 | $ 91,000 |
Mortgage Loan Application Detail Totals for Upequity Spv2, LLC in 2022
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 | 231 | $85,365,000 | $369,000 | $1,425,000 | $149,000 | $618,000 |
| Cash-out Refinancing | 20 | $5,320,000 | $266,000 | $455,000 | $152,000 | $413,000 |
| Refinancing | 3 | $495,000 | $165,000 | $315,000 | $79,000 | $120,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 153 | $56,575,000 | $369,000 | $1,425,000 | $145,000 | $509,000 |
| Not Provided | 42 | $15,590,000 | $371,000 | $645,000 | $175,000 | $618,000 |
| Black or African American | 15 | $4,645,000 | $309,000 | $455,000 | $103,000 | $212,000 |
| Hispanic | 13 | $3,315,000 | $255,000 | $455,000 | $95,000 | $183,000 |
| Asian | 4 | $1,890,000 | $472,000 | $635,000 | $125,000 | $148,000 |
| American Indian or Alaskan Native | 3 | $995,000 | $331,000 | $605,000 | $93,000 | $120,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 243 | $86,515,000 | $356,000 | $1,425,000 | $149,000 | $618,000 |
| FHA-insured (Federal Housing Administration) | 6 | $2,200,000 | $366,000 | $425,000 | $133,000 | $212,000 |
| VA-guaranteed (Veterans Administration) | 5 | $2,465,000 | $493,000 | $625,000 | $112,000 | $150,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 149 | $54,585,000 | $366,000 | $835,000 | $152,000 | $618,000 |
| Application Withdrawn By Applicant | 91 | $31,575,000 | $346,000 | $1,425,000 | $147,000 | $475,000 |
| Application Denied By Financial Institution | 10 | $3,160,000 | $316,000 | $625,000 | $87,000 | $179,000 |
| File Closed For Incompleteness | 3 | $1,215,000 | $405,000 | $525,000 | $176,000 | $240,000 |
| Application Approved But Not Accepted | 1 | $645,000 | $645,000 | $645,000 | $283,000 | $283,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 244 | $88,020,000 | $360,000 | $1,425,000 | $151,000 | $618,000 |
| Debt-To-Income Ratio | 4 | $1,290,000 | $322,000 | $405,000 | $55,000 | $86,000 |
| Collateral | 3 | $655,000 | $218,000 | $325,000 | $62,000 | $77,000 |
| Credit Application Incomplete | 1 | $285,000 | $285,000 | $285,000 | $179,000 | $179,000 |
| Credit History | 1 | $305,000 | $305,000 | $305,000 | $135,000 | $135,000 |
| Unverifiable Information | 1 | $625,000 | $625,000 | $625,000 | $150,000 | $150,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Upequity Spv2, LLC's 2022 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 Upequity Spv2, 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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