Wr Starkey Mortgage LLP Mortgage Lending & HMDA Data, 2016
In 2016, Wr Starkey Mortgage LLP of Plano, TX reported 11,373 mortgage applications totaling $2.2 billion, down 4% from 2015. The average application was for $194,374, and applicants reported an average income of $87,848. 75% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (1,812), Houston-The Woodlands-Sugar Land, TX (783) and Dallas-Plano-Irving, TX (771) (applications in parentheses).
| Mortgage Company & Address | Wr Starkey Mortgage LLP 6101 West Plano Parkway Plano, TX 75093 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 11,373 |
| Total Mortgage Loan Application Amount | $2,210,616,000 |
| Average Mortgage Loan Application Amount | $194,374 |
| Highest Mortgage Loan Application Amount | $1,800,000 |
| Average Applicant Income | $87,848 |
| Highest Applicant Income | $2,501,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Wr Starkey Mortgage LLP filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Atlanta-Sandy Springs-Roswell, GA | 1,812 | $ 368,555,000 | $ 203,396 | $ 89,000 |
| Houston-The Woodlands-Sugar Land, TX | 783 | $ 166,557,000 | $ 212,716 | $ 107,000 |
| Dallas-Plano-Irving, TX | 771 | $ 201,853,000 | $ 261,806 | $ 127,000 |
| Savannah, GA | 677 | $ 138,716,000 | $ 204,898 | $ 89,000 |
| Charleston-North Charleston, SC | 625 | $ 141,474,000 | $ 226,358 | $ 87,000 |
| Charlotte-Concord-Gastonia, NC-SC | 612 | $ 89,125,000 | $ 145,629 | $ 60,686 |
| Oklahoma City, OK | 501 | $ 81,051,000 | $ 161,778 | $ 77,000 |
| Hickory-Lenoir-Morganton, NC | 362 | $ 45,670,000 | $ 126,160 | $ 60,000 |
| Fort Worth-Arlington, TX | 348 | $ 66,198,000 | $ 190,224 | $ 98,000 |
| Greensboro-High Point, NC | 331 | $ 46,790,000 | $ 141,359 | $ 70,000 |
| Montgomery, AL | 325 | $ 37,489,000 | $ 115,350 | $ 60,000 |
| Denver-Aurora-Lakewood, CO | 314 | $ 95,057,000 | $ 302,729 | $ 130,000 |
| Austin-Round Rock, TX | 294 | $ 82,195,000 | $ 279,574 | $ 143,000 |
| San Antonio-New Braunfels, TX | 290 | $ 59,514,000 | $ 205,220 | $ 94,000 |
| Columbia, SC | 283 | $ 40,881,000 | $ 144,455 | $ 63,000 |
| Huntsville, AL | 266 | $ 35,402,000 | $ 133,090 | $ 64,000 |
| Sherman-Denison, TX | 205 | $ 30,412,000 | $ 148,351 | $ 76,000 |
| Crestview-Fort Walton Beach-Destin, FL | 202 | $ 44,682,000 | $ 221,198 | $ 83,000 |
| Corpus Christi, TX | 187 | $ 29,951,000 | $ 160,165 | $ 95,000 |
| Colorado Springs, CO | 158 | $ 36,192,000 | $ 229,063 | $ 87,000 |
| Winston-Salem, NC | 157 | $ 23,975,000 | $ 152,707 | $ 68,000 |
| Fayetteville, NC | 109 | $ 14,676,000 | $ 134,642 | $ 57,000 |
| Tyler, TX | 98 | $ 15,494,000 | $ 158,102 | $ 73,000 |
| Raleigh, NC | 93 | $ 22,290,000 | $ 239,677 | $ 99,000 |
| Pueblo, CO | 87 | $ 12,064,000 | $ 138,666 | $ 55,000 |
| Durham-Chapel Hill, NC | 83 | $ 15,216,000 | $ 183,325 | $ 89,000 |
| Hinesville, GA | 35 | $ 5,482,000 | $ 156,628 | $ 64,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 32 | $ 9,553,000 | $ 298,531 | $ 66,000 |
| Burlington, NC | 21 | $ 2,644,000 | $ 125,904 | $ 58,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 21 | $ 4,057,000 | $ 193,190 | $ 85,000 |
| Gainesville, GA | 18 | $ 3,290,000 | $ 182,777 | $ 77,000 |
| Jacksonville, FL | 14 | $ 3,231,000 | $ 230,785 | $ 88,000 |
| Decatur, AL | 11 | $ 883,000 | $ 80,272 | $ 58,000 |
| Greeley, CO | 10 | $ 2,458,000 | $ 245,800 | $ 64,000 |
| Tuscaloosa, AL | 10 | $ 964,000 | $ 96,400 | $ 68,000 |
| Auburn-Opelika, AL | 9 | $ 1,235,000 | $ 137,222 | $ 51,000 |
| Augusta-Richmond County, GA-SC | 9 | $ 1,423,000 | $ 158,111 | $ 88,666 |
| Greenville-Anderson-Mauldin, SC | 9 | $ 1,161,000 | $ 129,000 | $ 70,000 |
| Fort Collins, CO | 7 | $ 2,173,000 | $ 310,428 | $ 131,000 |
| Killeen-Temple, TX | 7 | $ 1,006,000 | $ 143,714 | $ 103,000 |
| Pensacola-Ferry Pass-Brent, FL | 7 | $ 1,427,000 | $ 203,857 | $ 80,000 |
| Wilmington, NC | 6 | $ 652,000 | $ 108,666 | $ 83,000 |
| Asheville, NC | 5 | $ 835,000 | $ 167,000 | $ 80,000 |
| Panama City, FL | 5 | $ 1,268,000 | $ 253,600 | $ 98,000 |
| Spartanburg, SC | 5 | $ 1,133,000 | $ 226,600 | $ 103,000 |
| Athens-Clarke County, GA | 4 | $ 734,000 | $ 183,500 | $ 80,000 |
| Boulder, CO | 4 | $ 1,610,000 | $ 402,500 | $ 112,000 |
| Florence, SC | 4 | $ 423,000 | $ 105,750 | $ 41,000 |
| Jacksonville, NC | 4 | $ 922,000 | $ 230,500 | $ 67,000 |
| McAllen-Edinburg-Mission, TX | 4 | $ 607,000 | $ 151,750 | $ 56,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 4 | $ 484,000 | $ 121,000 | $ 89,500 |
| Birmingham-Hoover, AL | 3 | $ 881,000 | $ 293,666 | $ 134,000 |
| Brunswick, GA | 3 | $ 1,088,000 | $ 362,666 | $ 164,000 |
| Chattanooga, TN-GA | 3 | $ 611,000 | $ 203,666 | $ 60,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 641,000 | $ 213,666 | $ 98,000 |
| Rome, GA | 3 | $ 287,000 | $ 95,666 | $ 46,000 |
| Tulsa, OK | 3 | $ 249,000 | $ 83,000 | $ 76,000 |
| Amarillo, TX | 2 | $ 279,000 | $ 139,500 | $ 51,000 |
| Dalton, GA | 2 | $ 208,000 | $ 104,000 | $ 41,000 |
| El Paso, TX | 2 | $ 216,000 | $ 108,000 | $ 15,000 |
| Longview, TX | 2 | $ 345,000 | $ 172,500 | $ 68,000 |
| Lynchburg, VA | 2 | $ 680,000 | $ 340,000 | $ 582,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 361,000 | $ 180,500 | $ 66,000 |
| Sumter, SC | 2 | $ 435,000 | $ 217,500 | $ 74,000 |
| Wichita Falls, TX | 2 | $ 346,000 | $ 173,000 | $ 70,000 |
| Beaumont-Port Arthur, TX | 1 | $ 161,000 | $ 161,000 | $ 52,000 |
| Charlottesville, VA | 1 | $ 133,000 | $ 133,000 | $ 49,000 |
| College Station-Bryan, TX | 1 | $ 212,000 | $ 212,000 | $ 90,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 248,000 | $ 248,000 | $ 73,000 |
| Florence-Muscle Shoals, AL | 1 | $ 147,000 | $ 147,000 | $ 56,000 |
| Fort Smith, AR-OK | 1 | $ 104,000 | $ 104,000 | $ 145,000 |
| Knoxville, TN | 1 | $ 153,000 | $ 153,000 | $ 63,000 |
| Lubbock, TX | 1 | $ 135,000 | $ 135,000 | $ 180,000 |
| Macon, GA | 1 | $ 159,000 | $ 159,000 | $ 32,000 |
| Manhattan, KS | 1 | $ 78,000 | $ 78,000 | $ 207,000 |
| Mobile, AL | 1 | $ 167,000 | $ 167,000 | $ 204,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 360,000 | $ 360,000 | $ 76,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 180,000 | $ 180,000 | $ 141,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 226,000 | $ 226,000 | $ 44,000 |
| Punta Gorda, FL | 1 | $ 139,000 | $ 139,000 | $ 166,000 |
| San Angelo, TX | 1 | $ 86,000 | $ 86,000 | $ 59,000 |
| Tallahassee, FL | 1 | $ 240,000 | $ 240,000 | $ 69,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 596,000 | $ 596,000 | $ 272,000 |
| Victoria, TX | 1 | $ 368,000 | $ 368,000 | $ 350,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 403,000 | $ 403,000 | $ 325,000 |
| Waco, TX | 1 | $ 108,000 | $ 108,000 | $ 40,000 |
| Warner Robins, GA | 1 | $ 123,000 | $ 123,000 | $ 82,000 |
| Winchester, VA-WV | 1 | $ 159,000 | $ 159,000 | $ 14,000 |
Mortgage Loan Application Detail Totals for Wr Starkey Mortgage LLP in 2016
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 | 10,293 | $1,960,540,000 | $190,000 | $1,268,000 | $85,000 | $2,501,000 |
| Refinancing | 1,080 | $250,076,000 | $231,000 | $1,800,000 | $115,000 | $1,728,000 |
| 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 | 7,738 | $1,565,992,000 | $202,000 | $1,800,000 | $94,000 | $2,501,000 |
| Black or African American | 1,350 | $212,516,000 | $157,000 | $630,000 | $64,000 | $474,000 |
| Hispanic | 1,002 | $162,777,000 | $162,000 | $581,000 | $68,000 | $805,000 |
| Not Provided | 856 | $181,888,000 | $212,000 | $1,080,000 | $97,000 | $1,335,000 |
| Asian | 347 | $73,473,000 | $211,000 | $1,244,000 | $95,000 | $680,000 |
| American Indian or Alaskan Native | 66 | $11,082,000 | $167,000 | $417,000 | $67,000 | $194,000 |
| Native Hawaiin or Other Pacific Islander | 14 | $2,888,000 | $206,000 | $343,000 | $85,000 | $159,000 |
| 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) | 6,097 | $1,283,674,000 | $210,000 | $1,800,000 | $108,000 | $2,501,000 |
| FHA-insured (Federal Housing Administration) | 3,449 | $550,862,000 | $159,000 | $483,000 | $61,000 | $696,000 |
| VA-guaranteed (Veterans Administration) | 1,415 | $319,841,000 | $226,000 | $700,000 | $81,000 | $350,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 412 | $56,239,000 | $136,000 | $336,000 | $47,000 | $121,000 |
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 | 8,532 | $1,640,608,000 | $192,000 | $1,268,000 | $88,000 | $2,501,000 |
| Application Withdrawn By Applicant | 2,002 | $417,693,000 | $208,000 | $1,800,000 | $95,000 | $818,000 |
| Application Denied By Financial Institution | 773 | $140,335,000 | $181,000 | $1,136,000 | $79,000 | $1,728,000 |
| Application Approved But Not Accepted | 66 | $11,980,000 | $181,000 | $560,000 | $88,000 | $417,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 264 | $51,577,000 | $195,000 | $920,000 | $75,000 | $358,000 |
| Credit History | 153 | $27,175,000 | $177,000 | $1,117,000 | $82,000 | $1,728,000 |
| Collateral | 149 | $24,560,000 | $164,000 | $980,000 | $77,000 | $379,000 |
| Credit Application Incomplete | 55 | $9,318,000 | $169,000 | $400,000 | $92,000 | $791,000 |
| Unverifiable Information | 41 | $7,274,000 | $177,000 | $424,000 | $70,000 | $226,000 |
| Other | 38 | $6,363,000 | $167,000 | $1,136,000 | $89,000 | $697,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 35 | $6,603,000 | $188,000 | $630,000 | $79,000 | $415,000 |
| Employment History | 25 | $3,932,000 | $157,000 | $417,000 | $54,000 | $165,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Wr Starkey Mortgage LLP's 2016 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 Wr Starkey Mortgage LLP'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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