Walter Mortgage Company Mortgage Lending & HMDA Data, 2008
In 2008, Walter Mortgage Company of Tampa, FL reported 581 mortgage applications totaling $71.9 million, down 39% from 2007. The average application was for $123,674, and applicants reported an average income of $52,967. 21% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Columbia, SC (21), Houston-Sugar Land-Baytown, TX (16) and Fort Worth-Arlington, TX (15) (applications in parentheses).
| Mortgage Company & Address | Walter Mortgage Company 4211 W. Boy Scout Blvd. Tampa, FL 33607 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 581 |
| Total Mortgage Loan Application Amount | $71,855,000 |
| Average Mortgage Loan Application Amount | $123,674 |
| Highest Mortgage Loan Application Amount | $285,000 |
| Average Applicant Income | $52,967 |
| Highest Applicant Income | $240,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Walter Mortgage Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Columbia, SC | 21 | $ 2,855,000 | $ 135,952 | $ 55,000 |
| Houston-Sugar Land-Baytown, TX | 16 | $ 2,021,000 | $ 126,312 | $ 59,000 |
| Fort Worth-Arlington, TX | 15 | $ 1,865,000 | $ 124,333 | $ 51,000 |
| Montgomery, AL | 15 | $ 1,686,000 | $ 112,400 | $ 47,000 |
| Birmingham-Hoover, AL | 14 | $ 1,671,000 | $ 119,357 | $ 58,000 |
| Anniston-Oxford, AL | 13 | $ 1,212,000 | $ 93,230 | $ 40,000 |
| Jacksonville, FL | 11 | $ 1,435,000 | $ 130,454 | $ 51,000 |
| Baton Rouge, LA | 10 | $ 1,193,000 | $ 119,300 | $ 49,000 |
| Gulfport-Biloxi, MS | 9 | $ 1,149,000 | $ 127,666 | $ 52,000 |
| Albany, GA | 8 | $ 1,019,000 | $ 127,375 | $ 59,000 |
| Orlando-Kissimmee, FL | 8 | $ 1,039,000 | $ 129,875 | $ 58,000 |
| Austin-Round Rock, TX | 7 | $ 893,000 | $ 127,571 | $ 48,000 |
| Columbus, GA-AL | 7 | $ 872,000 | $ 124,571 | $ 55,714 |
| Dallas-Plano-Irving, TX | 7 | $ 922,000 | $ 131,714 | $ 51,000 |
| Memphis, TN-MS-AR | 7 | $ 662,000 | $ 94,571 | $ 44,714 |
| Panama City-Lynn Haven, FL | 7 | $ 963,000 | $ 137,571 | $ 51,000 |
| San Antonio, TX | 7 | $ 807,000 | $ 115,285 | $ 71,000 |
| Tampa-St. Petersburg-Clearwater, FL | 7 | $ 1,210,000 | $ 172,857 | $ 61,000 |
| Tuscaloosa, AL | 7 | $ 810,000 | $ 115,714 | $ 50,000 |
| Asheville, NC | 6 | $ 924,000 | $ 154,000 | $ 54,000 |
| Dothan, AL | 6 | $ 783,000 | $ 130,500 | $ 45,000 |
| Oklahoma City, OK | 6 | $ 646,000 | $ 107,666 | $ 51,000 |
| Tulsa, OK | 6 | $ 824,000 | $ 137,333 | $ 57,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 5 | $ 783,000 | $ 156,600 | $ 95,000 |
| Rocky Mount, NC | 5 | $ 627,000 | $ 125,400 | $ 56,000 |
| Charleston-North Charleston-Summerville, SC | 4 | $ 479,000 | $ 119,750 | $ 42,000 |
| Corpus Christi, TX | 4 | $ 655,000 | $ 163,750 | $ 62,000 |
| Fayetteville, NC | 4 | $ 431,000 | $ 107,750 | $ 35,000 |
| Florence-Muscle Shoals, AL | 4 | $ 257,000 | $ 64,250 | $ 21,000 |
| Gadsden, AL | 4 | $ 401,000 | $ 100,250 | $ 46,000 |
| Huntington-Ashland, WV-KY-OH | 4 | $ 446,000 | $ 111,500 | $ 54,500 |
| Ocala, FL | 4 | $ 492,000 | $ 123,000 | $ 41,000 |
| Pascagoula, MS | 4 | $ 474,000 | $ 118,500 | $ 57,000 |
| Punta Gorda, FL | 4 | $ 541,000 | $ 135,250 | $ 42,000 |
| Shreveport-Bossier City, LA | 4 | $ 481,000 | $ 120,250 | $ 52,000 |
| Tallahassee, FL | 4 | $ 615,000 | $ 153,750 | $ 49,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 4 | $ 547,000 | $ 136,750 | $ 65,500 |
| Alexandria, LA | 3 | $ 393,000 | $ 131,000 | $ 70,000 |
| Atlanta-Sandy Springs-Marietta, GA | 3 | $ 366,000 | $ 122,000 | $ 44,000 |
| Auburn-Opelika, AL | 3 | $ 263,000 | $ 87,666 | $ 32,000 |
| Bradenton-Sarasota-Venice, FL | 3 | $ 507,000 | $ 169,000 | $ 49,000 |
| Brunswick, GA | 3 | $ 317,000 | $ 105,666 | $ 50,000 |
| Charlotte-Gastonia-Concord, NC-SC | 3 | $ 304,000 | $ 101,333 | $ 47,000 |
| Chattanooga, TN-GA | 3 | $ 304,000 | $ 101,333 | $ 39,666 |
| Greenville-Mauldin-Easley, SC | 3 | $ 301,000 | $ 100,333 | $ 49,000 |
| Houma-Bayou Cane-Thibodaux, LA | 3 | $ 462,000 | $ 154,000 | $ 55,000 |
| Jonesboro, AR | 3 | $ 326,000 | $ 108,666 | $ 40,000 |
| New Orleans-Metairie-Kenner, LA | 3 | $ 444,000 | $ 148,000 | $ 58,000 |
| Savannah, GA | 3 | $ 416,000 | $ 138,666 | $ 44,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 215,000 | $ 107,500 | $ 35,000 |
| Beaumont-Port Arthur, TX | 2 | $ 334,000 | $ 167,000 | $ 52,000 |
| Charleston, WV | 2 | $ 283,000 | $ 141,500 | $ 58,000 |
| Decatur, AL | 2 | $ 196,000 | $ 98,000 | $ 46,000 |
| Gainesville, FL | 2 | $ 268,000 | $ 134,000 | $ 54,000 |
| Greensboro-High Point, NC | 2 | $ 301,000 | $ 150,500 | $ 51,000 |
| Jackson, MS | 2 | $ 310,000 | $ 155,000 | $ 64,000 |
| Killeen-Temple-Fort Hood, TX | 2 | $ 244,000 | $ 122,000 | $ 53,000 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 250,000 | $ 125,000 | $ 19,000 |
| Longview, TX | 2 | $ 363,000 | $ 181,500 | $ 58,000 |
| Tyler, TX | 2 | $ 272,000 | $ 136,000 | $ 29,000 |
| Valdosta, GA | 2 | $ 221,000 | $ 110,500 | $ 46,000 |
| Waco, TX | 2 | $ 250,000 | $ 125,000 | $ 47,000 |
| Wilmington, NC | 2 | $ 201,000 | $ 100,500 | $ 58,000 |
| Akron, OH | 1 | $ 83,000 | $ 83,000 | $ 32,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 178,000 | $ 178,000 | $ 52,000 |
| Bowling Green, KY | 1 | $ 69,000 | $ 69,000 | $ 35,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 51,000 | $ 51,000 | $ 19,000 |
| Charlottesville, VA | 1 | $ 143,000 | $ 143,000 | $ 54,000 |
| Danville, VA | 1 | $ 167,000 | $ 167,000 | $ 70,000 |
| Florence, SC | 1 | $ 70,000 | $ 70,000 | $ 34,000 |
| Goldsboro, NC | 1 | $ 125,000 | $ 125,000 | $ 46,000 |
| Hinesville-Fort Stewart, GA | 1 | $ 136,000 | $ 136,000 | $ 64,000 |
| Lafayette, LA | 1 | $ 63,000 | $ 63,000 | $ 17,000 |
| Lynchburg, VA | 1 | $ 121,000 | $ 121,000 | $ 44,000 |
| Macon, GA | 1 | $ 78,000 | $ 78,000 | $ 38,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 86,000 | $ 86,000 | $ 18,000 |
| Monroe, LA | 1 | $ 89,000 | $ 89,000 | $ 52,000 |
| Morristown, TN | 1 | $ 120,000 | $ 120,000 | $ 82,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 136,000 | $ 136,000 | $ 61,000 |
| Raleigh-Cary, NC | 1 | $ 112,000 | $ 112,000 | $ 44,000 |
| Roanoke, VA | 1 | $ 120,000 | $ 120,000 | $ 44,000 |
| Sherman-Denison, TX | 1 | $ 60,000 | $ 60,000 | $ 46,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 171,000 | $ 171,000 | $ 74,000 |
Mortgage Loan Application Detail Totals for Walter Mortgage Company in 2008
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 | 562 | $70,159,000 | $124,000 | $285,000 | $53,000 | $240,000 |
| Refinancing | 19 | $1,696,000 | $89,000 | $171,000 | $52,000 | $106,000 |
| 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 |
|---|---|---|---|---|---|---|
| White | 271 | $35,235,000 | $130,000 | $285,000 | $57,000 | $240,000 |
| Black or African American | 221 | $25,477,000 | $115,000 | $215,000 | $48,000 | $118,000 |
| Not Provided | 47 | $6,030,000 | $128,000 | $220,000 | $48,000 | $104,000 |
| Hispanic | 30 | $3,651,000 | $121,000 | $204,000 | $52,000 | $124,000 |
| American Indian or Alaskan Native | 11 | $1,376,000 | $125,000 | $161,000 | $44,000 | $74,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $86,000 | $86,000 | $86,000 | $44,000 | $44,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 581 | $71,855,000 | $123,000 | $285,000 | $53,000 | $240,000 |
| 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 Withdrawn By Applicant | 267 | $32,887,000 | $123,000 | $227,000 | $52,000 | $155,000 |
| Loan Originated | 122 | $15,002,000 | $122,000 | $261,000 | $61,000 | $197,000 |
| Application Approved But Not Accepted | 96 | $11,530,000 | $120,000 | $194,000 | $51,000 | $240,000 |
| Application Denied By Financial Institution | 96 | $12,436,000 | $129,000 | $285,000 | $44,000 | $118,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 48 | $6,314,000 | $131,000 | $285,000 | $48,000 | $118,000 |
| Debt-To-Income Ratio | 31 | $4,343,000 | $140,000 | $262,000 | $39,000 | $93,000 |
| Collateral | 4 | $389,000 | $97,000 | $123,000 | $40,000 | $52,000 |
| Employment History | 3 | $348,000 | $116,000 | $196,000 | $31,000 | $48,000 |
| Other | 1 | $230,000 | $230,000 | $230,000 | $48,000 | $48,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 Walter Mortgage Company's 2008 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 Walter Mortgage Company'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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