Valley Mortgage/Tsb Mortgage Mortgage Lending & HMDA Data, 2007
In 2007, Valley Mortgage/Tsb Mortgage of McAllen, TX reported 1,202 mortgage applications totaling $155.2 million, down 8% from 2006. The average application was for $129,131, and applicants reported an average income of $79,109. 91% of its applications resulted in an originated loan and 1% were denied. Its largest markets were McAllen-Edinburg-Mission, TX (563), Laredo, TX (244) and Brownsville-Harlingen, TX (134) (applications in parentheses).
| Mortgage Company & Address | Valley Mortgage/Tsb Mortgage 1319 North 10th Street McAllen, TX 78501 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 |
| Total Number of Mortgage Applications | 1,202 |
| Total Mortgage Loan Application Amount | $155,216,000 |
| Average Mortgage Loan Application Amount | $129,131 |
| Highest Mortgage Loan Application Amount | $1,480,000 |
| Average Applicant Income | $79,109 |
| Highest Applicant Income | $1,878,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Valley Mortgage/Tsb Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| McAllen-Edinburg-Mission, TX | 563 | $ 70,330,000 | $ 124,920 | $ 80,000 |
| Laredo, TX | 244 | $ 31,457,000 | $ 128,922 | $ 59,000 |
| Brownsville-Harlingen, TX | 134 | $ 12,625,000 | $ 94,216 | $ 57,000 |
| San Antonio, TX | 80 | $ 9,068,000 | $ 113,350 | $ 55,000 |
| Beaumont-Port Arthur, TX | 75 | $ 14,625,000 | $ 195,000 | $ 135,000 |
| Houston-Sugar Land-Baytown, TX | 25 | $ 3,970,000 | $ 158,800 | $ 108,000 |
| Tyler, TX | 14 | $ 2,863,000 | $ 204,500 | $ 188,000 |
| El Paso, TX | 13 | $ 1,891,000 | $ 145,461 | $ 75,000 |
| Dallas-Plano-Irving, TX | 10 | $ 1,820,000 | $ 182,000 | $ 126,000 |
| Austin-Round Rock, TX | 6 | $ 1,225,000 | $ 204,166 | $ 324,000 |
| Corpus Christi, TX | 4 | $ 584,000 | $ 146,000 | $ 95,000 |
| College Station-Bryan, TX | 2 | $ 297,000 | $ 148,500 | $ 207,000 |
| Fort Worth-Arlington, TX | 2 | $ 415,000 | $ 207,500 | $ 233,000 |
| Longview, TX | 1 | $ 140,000 | $ 140,000 | $ 104,000 |
Mortgage Loan Application Detail Totals for Valley Mortgage/Tsb Mortgage 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 | 930 | $109,053,000 | $117,000 | $776,000 | $73,000 | $1,878,000 |
| Refinancing | 272 | $46,163,000 | $169,000 | $1,480,000 | $100,000 | $1,298,000 |
| 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 |
|---|---|---|---|---|---|---|
| Hispanic | 880 | $101,563,000 | $115,000 | $417,000 | $62,000 | $541,000 |
| White | 283 | $47,889,000 | $169,000 | $1,480,000 | $131,000 | $1,878,000 |
| Asian | 22 | $2,781,000 | $126,000 | $195,000 | $78,000 | $266,000 |
| Black or African American | 16 | $2,780,000 | $173,000 | $412,000 | $103,000 | $559,000 |
| American Indian or Alaskan Native | 1 | $203,000 | $203,000 | $203,000 | $58,000 | $58,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 623 | $91,249,000 | $146,000 | $1,480,000 | $103,000 | $1,878,000 |
| FHA-insured (Federal Housing Administration) | 535 | $57,943,000 | $108,000 | $203,000 | $53,000 | $244,000 |
| VA-guaranteed (Veterans Administration) | 44 | $6,024,000 | $136,000 | $339,000 | $64,000 | $147,000 |
| 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 | 1,091 | $142,151,000 | $130,000 | $1,480,000 | $81,000 | $1,878,000 |
| Application Approved But Not Accepted | 95 | $11,201,000 | $117,000 | $417,000 | $61,000 | $353,000 |
| Application Denied By Financial Institution | 15 | $1,730,000 | $115,000 | $399,000 | $46,000 | $104,000 |
| Application Withdrawn By Applicant | 1 | $134,000 | $134,000 | $134,000 | $153,000 | $153,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Valley Mortgage/Tsb Mortgage'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 Valley Mortgage/Tsb Mortgage'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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