Zippy Loans, LLC Mortgage Lending & HMDA Data, 2025
In 2025, Zippy Loans, LLC of Dallas, TX reported 10,976 mortgage applications totaling $517.2 million, up 27% from 2024. The average application was for $47,119, and applicants reported an average income of $58,000. 23% of its applications resulted in an originated loan and 37% were denied. Its largest markets were Indianapolis-Carmel-Anderson, IN (619), Kansas City, MO-KS (454) and Warren-Troy-Farmington Hills, MI (414) (applications in parentheses).
| Mortgage Company & Address | Zippy Loans, LLC 2807 Allen St Dallas, TX 75204 |
| Federal Regulator | * available with data download |
| Years | 2025 2024 |
| Total Number of Mortgage Applications | 10,976 |
| Total Mortgage Loan Application Amount | $517,180,000 |
| Average Mortgage Loan Application Amount | $47,119 |
| Highest Mortgage Loan Application Amount | $235,000 |
| Average Applicant Income | $58,000 |
| Highest Applicant Income | $6,568,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Zippy Loans, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 3,924 | $ 183,360,000 | $ 46,727 | $ 58,470 |
| Indianapolis-Carmel-Anderson, IN | 619 | $ 26,695,000 | $ 43,126 | $ 52,000 |
| Kansas City, MO-KS | 454 | $ 25,000,000 | $ 55,066 | $ 64,149 |
| Warren-Troy-Farmington Hills, MI | 414 | $ 19,540,000 | $ 47,198 | $ 67,000 |
| St. Louis, MO-IL | 394 | $ 14,320,000 | $ 36,345 | $ 53,131 |
| Wichita, KS | 342 | $ 11,940,000 | $ 34,912 | $ 48,000 |
| Grand Rapids-Wyoming, MI | 236 | $ 14,090,000 | $ 59,703 | $ 59,000 |
| Jacksonville, FL | 224 | $ 10,570,000 | $ 47,187 | $ 55,000 |
| Detroit-Dearborn-Livonia, MI | 219 | $ 10,405,000 | $ 47,511 | $ 53,000 |
| Chicago-Naperville, IL | 205 | $ 8,655,000 | $ 42,219 | $ 66,000 |
| Fort Wayne, IN | 202 | $ 6,800,000 | $ 33,663 | $ 44,000 |
| Janesville-Beloit, WI | 156 | $ 8,400,000 | $ 53,846 | $ 52,000 |
| Topeka, KS | 154 | $ 4,410,000 | $ 28,636 | $ 91,000 |
| Muncie, IN | 143 | $ 4,015,000 | $ 28,076 | $ 40,000 |
| Fort Worth-Arlington, TX | 119 | $ 8,235,000 | $ 69,201 | $ 76,000 |
| Pensacola-Ferry Pass-Brent, FL | 109 | $ 4,765,000 | $ 43,715 | $ 47,000 |
| Lake County-Porter County-Jasper County, IN | 108 | $ 4,760,000 | $ 44,074 | $ 48,000 |
| Flint, MI | 105 | $ 5,035,000 | $ 47,952 | $ 53,000 |
| Houston-The Woodlands-Sugar Land, TX | 104 | $ 5,130,000 | $ 49,326 | $ 66,000 |
| Manhattan, KS | 101 | $ 2,655,000 | $ 26,287 | $ 60,000 |
| Cincinnati, OH-KY-IN | 99 | $ 6,165,000 | $ 62,272 | $ 62,565 |
| Peoria, IL | 98 | $ 3,660,000 | $ 37,346 | $ 47,000 |
| Jackson, MI | 96 | $ 5,230,000 | $ 54,479 | $ 55,000 |
| Kokomo, IN | 94 | $ 2,490,000 | $ 26,489 | $ 38,000 |
| Atlanta-Sandy Springs-Roswell, GA | 79 | $ 4,435,000 | $ 56,139 | $ 59,000 |
| Lansing-East Lansing, MI | 79 | $ 5,175,000 | $ 65,506 | $ 68,000 |
| Lawrence, KS | 79 | $ 3,025,000 | $ 38,291 | $ 56,000 |
| Oklahoma City, OK | 76 | $ 3,320,000 | $ 43,684 | $ 55,000 |
| Wausau, WI | 75 | $ 3,935,000 | $ 52,466 | $ 51,000 |
| Madison, WI | 69 | $ 3,615,000 | $ 52,391 | $ 49,000 |
| Gainesville, FL | 67 | $ 3,185,000 | $ 47,537 | $ 50,000 |
| Evansville, IN-KY | 63 | $ 2,895,000 | $ 45,952 | $ 43,000 |
| Phoenix-Mesa-Scottsdale, AZ | 62 | $ 3,770,000 | $ 60,806 | $ 73,000 |
| Dallas-Plano-Irving, TX | 61 | $ 5,155,000 | $ 84,508 | $ 78,000 |
| Louisville/Jefferson County, KY-IN | 55 | $ 2,445,000 | $ 44,454 | $ 53,454 |
| Fond Du Lac, WI | 53 | $ 2,665,000 | $ 50,283 | $ 57,000 |
| San Antonio-New Braunfels, TX | 52 | $ 2,640,000 | $ 50,769 | $ 60,000 |
| Oshkosh-Neenah, WI | 48 | $ 2,910,000 | $ 60,625 | $ 82,000 |
| Battle Creek, MI | 47 | $ 2,225,000 | $ 47,340 | $ 65,000 |
| Cleveland, OH | 44 | $ 2,740,000 | $ 62,272 | $ 74,000 |
| Traverse City, MI | 44 | $ 2,130,000 | $ 48,409 | $ 66,000 |
| Marietta, GA | 42 | $ 2,520,000 | $ 60,000 | $ 64,000 |
| Orlando-Kissimmee-Sanford, FL | 37 | $ 1,925,000 | $ 52,027 | $ 56,000 |
| Knoxville, TN | 35 | $ 2,285,000 | $ 65,285 | $ 60,000 |
| Kalamazoo-Portage, MI | 34 | $ 2,180,000 | $ 64,117 | $ 59,000 |
| Muskegon, MI | 33 | $ 1,845,000 | $ 55,909 | $ 50,000 |
| Davenport-Moline-Rock Island, IA-IL | 32 | $ 1,500,000 | $ 46,875 | $ 47,625 |
| Milwaukee-Waukesha-West Allis, WI | 32 | $ 1,420,000 | $ 44,375 | $ 57,000 |
| Monroe, MI | 31 | $ 1,625,000 | $ 52,419 | $ 56,000 |
| Niles-Benton Harbor, MI | 30 | $ 1,610,000 | $ 53,666 | $ 59,000 |
| Clarksville, TN-KY | 28 | $ 1,010,000 | $ 36,071 | $ 61,857 |
| Columbia, SC | 28 | $ 1,610,000 | $ 57,500 | $ 57,000 |
| El Paso, TX | 27 | $ 1,585,000 | $ 58,703 | $ 76,000 |
| South Bend-Mishawaka, IN-MI | 27 | $ 1,035,000 | $ 38,333 | $ 49,555 |
| Appleton, WI | 26 | $ 1,560,000 | $ 60,000 | $ 49,000 |
| Kankakee, IL | 26 | $ 890,000 | $ 34,230 | $ 77,000 |
| Kenosha, WI | 24 | $ 1,480,000 | $ 61,666 | $ 76,000 |
| Tulsa, OK | 24 | $ 1,330,000 | $ 55,416 | $ 69,000 |
| Columbus, OH | 23 | $ 1,185,000 | $ 51,521 | $ 70,000 |
| Des Moines-West Des Moines, IA | 23 | $ 1,315,000 | $ 57,173 | $ 67,000 |
| Lakeland-Winter Haven, FL | 21 | $ 695,000 | $ 33,095 | $ 49,000 |
| Tyler, TX | 21 | $ 1,135,000 | $ 54,047 | $ 61,000 |
| Green Bay, WI | 20 | $ 910,000 | $ 45,500 | $ 45,000 |
| Killeen-Temple, TX | 20 | $ 790,000 | $ 39,500 | $ 66,000 |
| Charleston-North Charleston, SC | 19 | $ 1,395,000 | $ 73,421 | $ 71,000 |
| Columbus, IN | 19 | $ 915,000 | $ 48,157 | $ 52,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 18 | $ 990,000 | $ 55,000 | $ 73,000 |
| Grand Junction, CO | 18 | $ 1,090,000 | $ 60,555 | $ 57,000 |
| Wichita Falls, TX | 18 | $ 570,000 | $ 31,666 | $ 53,000 |
| Ann Arbor, MI | 17 | $ 925,000 | $ 54,411 | $ 63,000 |
| Saginaw, MI | 17 | $ 865,000 | $ 50,882 | $ 54,000 |
| Lubbock, TX | 16 | $ 980,000 | $ 61,250 | $ 55,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 16 | $ 1,320,000 | $ 82,500 | $ 73,000 |
| Dubuque, IA | 15 | $ 675,000 | $ 45,000 | $ 60,000 |
| Corpus Christi, TX | 14 | $ 630,000 | $ 45,000 | $ 58,000 |
| Iowa City, IA | 14 | $ 720,000 | $ 51,428 | $ 59,000 |
| La Crosse-Onalaska, WI-MN | 14 | $ 800,000 | $ 57,142 | $ 51,000 |
| Sheboygan, WI | 14 | $ 870,000 | $ 62,142 | $ 63,000 |
| Springfield, IL | 14 | $ 690,000 | $ 49,285 | $ 48,000 |
| Eau Claire, WI | 13 | $ 655,000 | $ 50,384 | $ 60,000 |
| Lawton, OK | 13 | $ 305,000 | $ 23,461 | $ 53,000 |
| Tucson, AZ | 13 | $ 545,000 | $ 41,923 | $ 66,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 13 | $ 1,515,000 | $ 116,538 | $ 90,000 |
| Florence, SC | 12 | $ 560,000 | $ 46,666 | $ 43,000 |
| Dayton-Springfield-Kettering, OH | 11 | $ 665,000 | $ 60,454 | $ 63,000 |
| Montgomery, AL | 10 | $ 310,000 | $ 31,000 | $ 49,000 |
| Waterloo-Cedar Falls, IA | 10 | $ 280,000 | $ 28,000 | $ 51,000 |
| Amarillo, TX | 9 | $ 475,000 | $ 52,777 | $ 53,000 |
| Birmingham-Hoover, AL | 9 | $ 385,000 | $ 42,777 | $ 65,000 |
| Bloomington, IL | 9 | $ 485,000 | $ 53,888 | $ 50,000 |
| Cedar Rapids, IA | 8 | $ 300,000 | $ 37,500 | $ 47,000 |
| Columbus, GA-AL | 8 | $ 230,000 | $ 28,750 | $ 56,750 |
| Decatur, IL | 8 | $ 220,000 | $ 27,500 | $ 49,000 |
| Little Rock-North Little Rock-Conway, AR | 8 | $ 500,000 | $ 62,500 | $ 51,000 |
| St. Joseph, MO-KS | 8 | $ 250,000 | $ 31,250 | $ 60,000 |
| Brownsville-Harlingen, TX | 7 | $ 465,000 | $ 66,428 | $ 80,000 |
| Port St. Lucie, FL | 7 | $ 625,000 | $ 89,285 | $ 93,000 |
| Austin-Round Rock, TX | 6 | $ 440,000 | $ 73,333 | $ 95,000 |
| Bay City, MI | 6 | $ 230,000 | $ 38,333 | $ 31,000 |
| Cape Coral-Fort Myers, FL | 6 | $ 480,000 | $ 80,000 | $ 95,000 |
| Huntsville, AL | 6 | $ 450,000 | $ 75,000 | $ 63,000 |
| Cape Girardeau, MO-IL | 5 | $ 205,000 | $ 41,000 | $ 36,000 |
| Champaign-Urbana, IL | 5 | $ 255,000 | $ 51,000 | $ 65,000 |
| Chattanooga, TN-GA | 5 | $ 245,000 | $ 49,000 | $ 54,000 |
| Lexington-Fayette, KY | 5 | $ 315,000 | $ 63,000 | $ 42,000 |
| St. Petersburg-Clearwater-Largo, FL | 5 | $ 385,000 | $ 77,000 | $ 74,000 |
| Abilene, TX | 4 | $ 360,000 | $ 90,000 | $ 74,000 |
| Beaumont-Port Arthur, TX | 4 | $ 160,000 | $ 40,000 | $ 119,000 |
| Dothan, AL | 4 | $ 130,000 | $ 32,500 | $ 46,000 |
| McAllen-Edinburg-Mission, TX | 4 | $ 210,000 | $ 52,500 | $ 32,000 |
| Naples-Immokalee-Marco Island, FL | 4 | $ 310,000 | $ 77,500 | $ 64,000 |
| Owensboro, KY | 4 | $ 270,000 | $ 67,500 | $ 56,000 |
| Panama City, FL | 4 | $ 180,000 | $ 45,000 | $ 55,000 |
| Sioux City, IA-NE-SD | 4 | $ 220,000 | $ 55,000 | $ 63,000 |
| Tampa, FL | 4 | $ 340,000 | $ 85,000 | $ 58,000 |
| Tuscaloosa, AL | 4 | $ 190,000 | $ 47,500 | $ 49,000 |
| College Station-Bryan, TX | 3 | $ 175,000 | $ 58,333 | $ 66,000 |
| Columbia, MO | 3 | $ 205,000 | $ 68,333 | $ 55,000 |
| Elgin, IL | 3 | $ 205,000 | $ 68,333 | $ 84,000 |
| Elkhart-Goshen, IN | 3 | $ 245,000 | $ 81,666 | $ 64,000 |
| Lafayette-West Lafayette, IN | 3 | $ 155,000 | $ 51,666 | $ 64,000 |
| Springfield, MO | 3 | $ 245,000 | $ 81,666 | $ 60,000 |
| Albany, GA | 2 | $ 150,000 | $ 75,000 | $ 87,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 90,000 | $ 45,000 | $ 58,000 |
| Denver-Aurora-Lakewood, CO | 2 | $ 130,000 | $ 65,000 | $ 120,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 2 | $ 140,000 | $ 70,000 | $ 96,000 |
| Jackson, TN | 2 | $ 140,000 | $ 70,000 | $ 67,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 210,000 | $ 105,000 | $ 129,000 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 130,000 | $ 65,000 | $ 52,000 |
| Paducah, KY-IL | 2 | $ 30,000 | $ 15,000 | $ 29,000 |
| Prescott Valley-Prescott, AZ | 2 | $ 380,000 | $ 190,000 | $ 76,000 |
| Pueblo, CO | 2 | $ 120,000 | $ 60,000 | $ 49,000 |
| Richmond, VA | 2 | $ 170,000 | $ 85,000 | $ 81,000 |
| Sherman-Denison, TX | 2 | $ 80,000 | $ 40,000 | $ 83,000 |
| Tallahassee, FL | 2 | $ 120,000 | $ 60,000 | $ 40,000 |
| Anniston-Oxford-Jacksonville, AL | 1 | $ 75,000 | $ 75,000 | $ 52,000 |
| Colorado Springs, CO | 1 | $ 85,000 | $ 85,000 | $ 113,000 |
| Florence-Muscle Shoals, AL | 1 | $ 25,000 | $ 25,000 | $ 48,000 |
| Hinesville, GA | 1 | $ 65,000 | $ 65,000 | $ 50,000 |
| Mansfield, OH | 1 | $ 45,000 | $ 45,000 | $ 76,000 |
| Michigan City-La Porte, IN | 1 | $ 25,000 | $ 25,000 | $ 84,000 |
| Morristown, TN | 1 | $ 55,000 | $ 55,000 | $ 81,000 |
| Winchester, VA-WV | 1 | $ 75,000 | $ 75,000 | $ 83,000 |
Mortgage Loan Application Detail Totals for Zippy Loans, LLC in 2025
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 | 10,976 | $517,180,000 | $47,000 | $235,000 | $58,000 | $6,568,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
| Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 6,672 | $301,770,000 | $45,000 | $235,000 | $55,000 | $4,159,000 |
| Hispanic | 1,908 | $103,130,000 | $54,000 | $165,000 | $68,000 | $6,568,000 |
| Black or African American | 1,435 | $66,395,000 | $46,000 | $155,000 | $59,000 | $5,479,000 |
| Not Provided | 625 | $30,465,000 | $48,000 | $145,000 | $56,000 | $1,539,000 |
| American Indian or Alaskan Native | 205 | $9,615,000 | $46,000 | $155,000 | $53,000 | $222,000 |
| Asian | 107 | $4,725,000 | $44,000 | $125,000 | $59,000 | $300,000 |
| Native Hawaiian or Other Pacific Islander | 24 | $1,080,000 | $45,000 | $95,000 | $83,000 | $784,000 |
| 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) | 10,976 | $517,180,000 | $47,000 | $235,000 | $58,000 | $6,568,000 |
| 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 Denied By Financial Institution | 4,007 | $185,635,000 | $46,000 | $225,000 | $46,000 | $1,539,000 |
| Application Withdrawn By Applicant | 2,686 | $136,930,000 | $50,000 | $235,000 | $72,000 | $6,568,000 |
| Loan Originated | 2,547 | $114,615,000 | $45,000 | $185,000 | $61,000 | $280,000 |
| File Closed For Incompleteness | 1,678 | $77,960,000 | $46,000 | $145,000 | $61,000 | $5,978,000 |
| Application Approved But Not Accepted | 58 | $2,040,000 | $35,000 | $75,000 | $51,000 | $152,000 |
| 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 | 6,969 | $331,545,000 | $47,000 | $235,000 | $65,000 | $6,568,000 |
| Debt-To-Income Ratio | 2,395 | $109,705,000 | $45,000 | $225,000 | $38,000 | $300,000 |
| Credit History | 659 | $34,075,000 | $51,000 | $225,000 | $52,000 | $288,000 |
| Other | 357 | $15,695,000 | $43,000 | $125,000 | $76,000 | $1,539,000 |
| Employment History | 228 | $8,570,000 | $37,000 | $155,000 | $41,000 | $784,000 |
| Unverifiable Information | 155 | $7,835,000 | $50,000 | $135,000 | $66,000 | $898,000 |
| Credit Application Incomplete | 111 | $4,895,000 | $44,000 | $105,000 | $52,000 | $202,000 |
| Collateral | 83 | $3,695,000 | $44,000 | $115,000 | $63,000 | $234,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 19 | $1,165,000 | $61,000 | $145,000 | $61,000 | $126,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Zippy Loans, LLC's 2025 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 Zippy Loans, 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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