Zippy Loans, LLC Mortgage Lending & HMDA Data, 2024
In 2024, Zippy Loans, LLC of Dallas, TX reported 8,619 mortgage applications totaling $460.6 million. The average application was for $53,442, and applicants reported an average income of $60,000. 19% of its applications resulted in an originated loan and 44% were denied. Its largest markets were Indianapolis-Carmel-Anderson, IN (388), Warren-Troy-Farmington Hills, MI (353) and St. Louis, MO-IL (248) (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 | 8,619 |
| Total Mortgage Loan Application Amount | $460,625,000 |
| Average Mortgage Loan Application Amount | $53,442 |
| Highest Mortgage Loan Application Amount | $255,000 |
| Average Applicant Income | $60,000 |
| Highest Applicant Income | $4,992,000 |
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Act (HMDA) records Zippy Loans, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Zippy Loans, LLC in 2024
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 | 8,619 | $460,625,000 | $53,000 | $255,000 | $60,000 | $4,992,000 |
| 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 | 5,116 | $262,590,000 | $51,000 | $255,000 | $61,000 | $4,992,000 |
| Black or African American | 1,771 | $96,245,000 | $54,000 | $205,000 | $55,000 | $960,000 |
| Hispanic | 1,520 | $91,000,000 | $59,000 | $215,000 | $63,000 | $948,000 |
| American Indian or Alaskan Native | 111 | $5,335,000 | $48,000 | $145,000 | $55,000 | $140,000 |
| Asian | 79 | $4,345,000 | $55,000 | $125,000 | $60,000 | $156,000 |
| Native Hawaiian or Other Pacific Islander | 22 | $1,110,000 | $50,000 | $105,000 | $48,000 | $86,000 |
| 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) | 8,619 | $460,625,000 | $53,000 | $255,000 | $60,000 | $4,992,000 |
| 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 | 3,806 | $201,110,000 | $52,000 | $225,000 | $55,000 | $4,992,000 |
| Application Withdrawn By Applicant | 2,626 | $150,270,000 | $57,000 | $255,000 | $65,000 | $3,300,000 |
| Loan Originated | 1,657 | $80,545,000 | $48,000 | $225,000 | $65,000 | $421,000 |
| File Closed For Incompleteness | 504 | $27,540,000 | $54,000 | $165,000 | $57,000 | $456,000 |
| Application Approved But Not Accepted | 26 | $1,160,000 | $44,000 | $105,000 | $60,000 | $104,000 |
| 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 | 4,813 | $259,515,000 | $53,000 | $255,000 | $64,000 | $3,300,000 |
| Debt-To-Income Ratio | 1,890 | $101,520,000 | $53,000 | $225,000 | $42,000 | $720,000 |
| Credit History | 1,409 | $74,245,000 | $52,000 | $155,000 | $70,000 | $4,992,000 |
| Other | 195 | $10,015,000 | $51,000 | $135,000 | $64,000 | $265,000 |
| Unverifiable Information | 77 | $3,585,000 | $46,000 | $115,000 | $59,000 | $230,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 69 | $4,475,000 | $64,000 | $125,000 | $65,000 | $161,000 |
| Collateral | 58 | $2,420,000 | $41,000 | $115,000 | $57,000 | $216,000 |
| Credit Application Incomplete | 54 | $2,370,000 | $43,000 | $105,000 | $48,000 | $98,000 |
| Employment History | 54 | $2,480,000 | $45,000 | $115,000 | $40,000 | $120,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Zippy Loans, LLC's 2024 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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