Viewpoint Bankers Mortgage Inc Mortgage Lending & HMDA Data, 2012
In 2012, Viewpoint Bankers Mortgage Inc of Richardson, TX reported 1,487 mortgage applications totaling $340.2 million, down 47% from 2011. The average application was for $228,755, and applicants reported an average income of $131,623. 57% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Dallas-Plano-Irving, TX (966), Fort Worth-Arlington, TX (205) and Austin-Round Rock-San Marcos, TX (109) (applications in parentheses).
| Mortgage Company & Address | Viewpoint Bankers Mortgage Inc 720 E. Arapaho Richardson, TX 75081 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2012 2011 |
| Total Number of Mortgage Applications | 1,487 |
| Total Mortgage Loan Application Amount | $340,160,000 |
| Average Mortgage Loan Application Amount | $228,755 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $131,623 |
| Highest Applicant Income | $2,087,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Viewpoint Bankers Mortgage Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Dallas, Texas | 413 | $ 103,520,000 | $ 250,653 | $ 143,000 |
| Collin, Texas | 336 | $ 72,856,000 | $ 216,833 | $ 124,000 |
| Tarrant, Texas | 193 | $ 39,212,000 | $ 203,170 | $ 113,000 |
| Denton, Texas | 157 | $ 37,070,000 | $ 236,114 | $ 134,000 |
| Travis, Texas | 76 | $ 23,974,000 | $ 315,447 | $ 185,000 |
| Tulsa, Oklahoma | 59 | $ 10,713,000 | $ 181,576 | $ 91,000 |
| Rockwall, Texas | 28 | $ 6,722,000 | $ 240,071 | $ 127,000 |
| Williamson, Texas | 23 | $ 3,842,000 | $ 167,043 | $ 108,000 |
| Harris, Texas | 15 | $ 3,499,000 | $ 233,266 | $ 141,000 |
| Hunt, Texas | 11 | $ 1,171,000 | $ 106,454 | $ 75,000 |
| Kaufman, Texas | 11 | $ 1,478,000 | $ 134,363 | $ 66,000 |
| Ellis, Texas | 10 | $ 1,435,000 | $ 143,500 | $ 90,000 |
| Hays, Texas | 7 | $ 1,414,000 | $ 202,000 | $ 110,000 |
| Henderson, Texas | 7 | $ 2,023,000 | $ 289,000 | $ 286,000 |
| Wagoner, Oklahoma | 6 | $ 943,000 | $ 157,166 | $ 50,000 |
| Grayson, Texas | 6 | $ 891,000 | $ 148,500 | $ 105,000 |
| Bexar, Texas | 5 | $ 1,568,000 | $ 313,600 | $ 143,000 |
| Jack, Texas | 5 | $ 487,000 | $ 97,400 | $ 65,000 |
| Johnson, Texas | 5 | $ 1,049,000 | $ 209,800 | $ 80,000 |
| Llano, Texas | 5 | $ 1,468,000 | $ 293,600 | $ 211,000 |
| Walton, Florida | 4 | $ 2,028,000 | $ 507,000 | $ 395,000 |
| Wise, Texas | 4 | $ 471,000 | $ 117,750 | $ 79,000 |
| Creek, Oklahoma | 3 | $ 748,000 | $ 249,333 | $ 107,000 |
| Rogers, Oklahoma | 3 | $ 1,079,000 | $ 359,666 | $ 124,000 |
| Bastrop, Texas | 3 | $ 319,000 | $ 106,333 | $ 61,000 |
| Comal, Texas | 3 | $ 736,000 | $ 245,333 | $ 91,000 |
| Montgomery, Texas | 3 | $ 851,000 | $ 283,666 | $ 191,000 |
| Parker, Texas | 3 | $ 330,000 | $ 110,000 | $ 109,000 |
| San Francisco, California | 2 | $ 670,000 | $ 335,000 | $ 92,000 |
| Colfax, New Mexico | 2 | $ 500,000 | $ 250,000 | $ 217,000 |
| Santa Fe, New Mexico | 2 | $ 814,000 | $ 407,000 | $ 772,000 |
| Allegheny, Pennsylvania | 2 | $ 174,000 | $ 87,000 | $ 46,000 |
| Atascosa, Texas | 2 | $ 283,000 | $ 141,500 | $ 74,000 |
| Brazoria, Texas | 2 | $ 414,000 | $ 207,000 | $ 91,000 |
| Burnet, Texas | 2 | $ 904,000 | $ 452,000 | $ 1,004,000 |
| Cooke, Texas | 2 | $ 255,000 | $ 127,500 | $ 85,000 |
| El Paso, Texas | 2 | $ 151,000 | $ 75,500 | $ 29,000 |
| Galveston, Texas | 2 | $ 417,000 | $ 208,500 | $ 126,000 |
| Guadalupe, Texas | 2 | $ 469,000 | $ 234,500 | $ 106,000 |
| Hill, Texas | 2 | $ 212,000 | $ 106,000 | $ 44,000 |
| Hood, Texas | 2 | $ 362,000 | $ 181,000 | $ 94,000 |
| McLennan, Texas | 2 | $ 330,000 | $ 165,000 | $ 102,000 |
| Midland, Texas | 2 | $ 424,000 | $ 212,000 | $ 119,000 |
| Van Zandt, Texas | 2 | $ 172,000 | $ 86,000 | $ 38,000 |
| Wichita, Texas | 2 | $ 238,000 | $ 119,000 | $ 55,000 |
| Wood, Texas | 2 | $ 339,000 | $ 169,500 | $ 93,000 |
| Garland, Arkansas | 1 | $ 325,000 | $ 325,000 | $ 168,000 |
| Washington, Arkansas | 1 | $ 235,000 | $ 235,000 | $ 80,000 |
| Humboldt, California | 1 | $ 311,000 | $ 311,000 | $ 245,000 |
| San Benito, California | 1 | $ 553,000 | $ 553,000 | $ 154,000 |
| Arapahoe, Colorado | 1 | $ 160,000 | $ 160,000 | $ 93,000 |
| Jefferson, Colorado | 1 | $ 284,000 | $ 284,000 | $ 175,000 |
| Sussex, Delaware | 1 | $ 274,000 | $ 274,000 | $ 54,000 |
| Broward, Florida | 1 | $ 141,000 | $ 141,000 | $ 76,000 |
| Lee, Florida | 1 | $ 207,000 | $ 207,000 | $ 85,000 |
| Miami-Dade, Florida | 1 | $ 204,000 | $ 204,000 | $ 47,000 |
| Palm Beach, Florida | 1 | $ 135,000 | $ 135,000 | $ 85,000 |
| Polk, Florida | 1 | $ 356,000 | $ 356,000 | $ 341,000 |
| Santa Rosa, Florida | 1 | $ 122,000 | $ 122,000 | $ 155,000 |
| Cobb, Georgia | 1 | $ 313,000 | $ 313,000 | $ 172,000 |
| Paulding, Georgia | 1 | $ 122,000 | $ 122,000 | $ 49,000 |
| Cook, Illinois | 1 | $ 310,000 | $ 310,000 | $ 107,000 |
| Anne Arundel, Maryland | 1 | $ 198,000 | $ 198,000 | $ 35,000 |
| Cass, Minnesota | 1 | $ 220,000 | $ 220,000 | $ 92,000 |
| Hillsborough, New Hampshire | 1 | $ 269,000 | $ 269,000 | $ 332,000 |
| Dona Ana, New Mexico | 1 | $ 110,000 | $ 110,000 | $ 50,000 |
| Lucas, Ohio | 1 | $ 201,000 | $ 201,000 | $ 116,000 |
| Cleveland, Oklahoma | 1 | $ 605,000 | $ 605,000 | $ 282,000 |
| Garfield, Oklahoma | 1 | $ 480,000 | $ 480,000 | $ 450,000 |
| Kay, Oklahoma | 1 | $ 50,000 | $ 50,000 | $ 34,000 |
| Mayes, Oklahoma | 1 | $ 138,000 | $ 138,000 | $ 41,000 |
| Oklahoma, Oklahoma | 1 | $ 182,000 | $ 182,000 | $ 63,000 |
| Osage, Oklahoma | 1 | $ 366,000 | $ 366,000 | $ 69,000 |
| Payne, Oklahoma | 1 | $ 78,000 | $ 78,000 | $ 64,000 |
| Stephens, Oklahoma | 1 | $ 350,000 | $ 350,000 | $ 133,000 |
| Woods, Oklahoma | 1 | $ 165,000 | $ 165,000 | $ 59,000 |
| Clackamas, Oregon | 1 | $ 404,000 | $ 404,000 | $ 183,000 |
| Horry, South Carolina | 1 | $ 138,000 | $ 138,000 | $ 75,000 |
| Maury, Tennessee | 1 | $ 149,000 | $ 149,000 | $ 179,000 |
| Bell, Texas | 1 | $ 144,000 | $ 144,000 | $ 0 |
| Childress, Texas | 1 | $ 24,000 | $ 24,000 | $ 17,000 |
| Fayette, Texas | 1 | $ 107,000 | $ 107,000 | $ 57,000 |
| Fort Bend, Texas | 1 | $ 168,000 | $ 168,000 | $ 73,000 |
| Freestone, Texas | 1 | $ 250,000 | $ 250,000 | $ 69,000 |
| Hidalgo, Texas | 1 | $ 346,000 | $ 346,000 | $ 222,000 |
| Hopkins, Texas | 1 | $ 374,000 | $ 374,000 | $ 237,000 |
| Lavaca, Texas | 1 | $ 212,000 | $ 212,000 | $ 70,000 |
| Lubbock, Texas | 1 | $ 285,000 | $ 285,000 | $ 156,000 |
| Medina, Texas | 1 | $ 172,000 | $ 172,000 | $ 105,000 |
| Palo Pinto, Texas | 1 | $ 250,000 | $ 250,000 | $ 129,000 |
| Panola, Texas | 1 | $ 266,000 | $ 266,000 | $ 110,000 |
| Smith, Texas | 1 | $ 254,000 | $ 254,000 | $ 148,000 |
| Young, Texas | 1 | $ 128,000 | $ 128,000 | $ 58,000 |
Mortgage Loan Application Detail Totals for Viewpoint Bankers Mortgage Inc in 2012
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 | 753 | $166,683,000 | $221,000 | $1,391,000 | $123,000 | $2,087,000 |
| Refinancing | 719 | $169,620,000 | $235,000 | $1,500,000 | $140,000 | $1,306,000 |
| Home Improvement | 15 | $3,857,000 | $257,000 | $469,000 | $163,000 | $365,000 |
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 |
|---|---|---|---|---|---|---|
| White | 1,099 | $268,544,000 | $244,000 | $1,500,000 | $144,000 | $2,087,000 |
| Hispanic | 128 | $19,339,000 | $151,000 | $604,000 | $69,000 | $564,000 |
| Asian | 104 | $22,943,000 | $220,000 | $712,000 | $127,000 | $510,000 |
| Black or African American | 79 | $12,762,000 | $161,000 | $538,000 | $86,000 | $351,000 |
| Not Provided | 62 | $13,337,000 | $215,000 | $639,000 | $99,000 | $420,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $1,949,000 | $243,000 | $366,000 | $185,000 | $596,000 |
| American Indian or Alaskan Native | 7 | $1,286,000 | $183,000 | $417,000 | $125,000 | $287,000 |
| 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) | 1,012 | $266,391,000 | $263,000 | $1,500,000 | $161,000 | $2,087,000 |
| FHA-insured (Federal Housing Administration) | 402 | $59,710,000 | $148,000 | $276,000 | $70,000 | $394,000 |
| VA-guaranteed (Veterans Administration) | 57 | $12,078,000 | $211,000 | $430,000 | $82,000 | $325,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 16 | $1,981,000 | $123,000 | $222,000 | $44,000 | $75,000 |
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 |
|---|---|---|---|---|---|---|
| Loan Originated | 844 | $197,288,000 | $233,000 | $1,500,000 | $143,000 | $2,087,000 |
| Application Approved But Not Accepted | 471 | $107,260,000 | $227,000 | $1,391,000 | $128,000 | $900,000 |
| Application Denied By Financial Institution | 145 | $30,036,000 | $207,000 | $850,000 | $91,000 | $800,000 |
| Application Withdrawn By Applicant | 17 | $3,984,000 | $234,000 | $417,000 | $129,000 | $365,000 |
| File Closed For Incompleteness | 10 | $1,592,000 | $159,000 | $203,000 | $35,000 | $100,000 |
| 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 | 65 | $13,208,000 | $203,000 | $850,000 | $96,000 | $800,000 |
| Debt-To-Income Ratio | 46 | $10,134,000 | $220,000 | $712,000 | $82,000 | $271,000 |
| Credit Application Incomplete | 12 | $1,697,000 | $141,000 | $401,000 | $40,000 | $120,000 |
| Collateral | 11 | $2,044,000 | $185,000 | $567,000 | $120,000 | $650,000 |
| Employment History | 5 | $905,000 | $181,000 | $416,000 | $69,000 | $175,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $1,677,000 | $559,000 | $720,000 | $182,000 | $249,000 |
| Unverifiable Information | 3 | $371,000 | $123,000 | $151,000 | $151,000 | $295,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Viewpoint Bankers Mortgage Inc's 2012 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 Viewpoint Bankers Mortgage Inc'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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