American Guardian Financial Gr Mortgage Lending & HMDA Data, 2005
In 2005, American Guardian Financial Gr of Lake Forest, CA reported 1,133 mortgage applications totaling $292.5 million. The average application was for $258,134, and applicants reported an average income of $138,806. 48% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (617), Los Angeles-Long Beach-Glendale, CA (124) and Phoenix-Mesa-Scottsdale, AZ (113) (applications in parentheses).
| Mortgage Company & Address | American Guardian Financial Gr 27 Orchard # 100 Lake Forest, CA 92630 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 |
| Total Number of Mortgage Applications | 1,133 |
| Total Mortgage Loan Application Amount | $292,466,000 |
| Average Mortgage Loan Application Amount | $258,134 |
| Highest Mortgage Loan Application Amount | $6,800,000 |
| Average Applicant Income | $138,806 |
| Highest Applicant Income | $1,200,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records American Guardian Financial Gr filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Riverside-San Bernardino-Ontario, CA | 617 | $ 133,658,000 | $ 216,625 | $ 107,000 |
| Los Angeles-Long Beach-Glendale, CA | 124 | $ 45,000,000 | $ 362,903 | $ 164,000 |
| Phoenix-Mesa-Scottsdale, AZ | 113 | $ 14,581,000 | $ 129,035 | $ 83,000 |
| Santa Ana-Anaheim-Irvine, CA | 100 | $ 40,748,000 | $ 407,480 | $ 193,000 |
| San Diego-Carlsbad-San Marcos, CA | 36 | $ 16,387,000 | $ 455,194 | $ 183,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 23 | $ 6,787,000 | $ 295,086 | $ 133,000 |
| Oakland-Fremont-Hayward, CA | 16 | $ 5,671,000 | $ 354,437 | $ 140,000 |
| Bakersfield, CA | 10 | $ 1,357,000 | $ 135,700 | $ 71,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 10 | $ 3,171,000 | $ 317,100 | $ 154,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 6 | $ 2,747,000 | $ 457,833 | $ 129,000 |
| Tampa-St. Petersburg-Clearwater, FL | 6 | $ 649,000 | $ 108,166 | $ 71,000 |
| Fresno, CA | 5 | $ 830,000 | $ 166,000 | $ 61,000 |
| Prescott, AZ | 5 | $ 1,248,000 | $ 249,600 | $ 111,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 5 | $ 1,282,000 | $ 256,400 | $ 130,000 |
| Stockton, CA | 5 | $ 1,727,000 | $ 345,400 | $ 126,000 |
| Honolulu, HI | 3 | $ 1,303,000 | $ 434,333 | $ 156,000 |
| Madera, CA | 3 | $ 621,000 | $ 207,000 | $ 58,000 |
| Portland-Vancouver-Beaverton, OR-WA | 3 | $ 717,000 | $ 239,000 | $ 109,000 |
| Salinas, CA | 3 | $ 1,459,000 | $ 486,333 | $ 208,000 |
| Albuquerque, NM | 2 | $ 113,000 | $ 56,500 | $ 49,000 |
| Denver-Aurora, CO | 2 | $ 800,000 | $ 400,000 | $ 134,000 |
| Merced, CA | 2 | $ 634,000 | $ 317,000 | $ 618,000 |
| Modesto, CA | 2 | $ 219,000 | $ 109,500 | $ 63,000 |
| San Francisco-San Mateo-Redwood City, CA | 2 | $ 1,246,000 | $ 623,000 | $ 150,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 879,000 | $ 439,500 | $ 176,000 |
| Visalia-Porterville, CA | 2 | $ 215,000 | $ 107,500 | $ 33,000 |
| Yuba City, CA | 2 | $ 444,000 | $ 222,000 | $ 179,000 |
| Eugene-Springfield, OR | 1 | $ 196,000 | $ 196,000 | $ 84,000 |
| Fort Collins-Loveland, CO | 1 | $ 141,000 | $ 141,000 | $ 38,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 298,000 | $ 298,000 | $ 114,000 |
| Naples-Marco Island, FL | 1 | $ 938,000 | $ 938,000 | $ 226,000 |
| Salem, OR | 1 | $ 348,000 | $ 348,000 | $ 199,000 |
| Tucson, AZ | 1 | $ 170,000 | $ 170,000 | $ 56,000 |
| Vallejo-Fairfield, CA | 1 | $ 250,000 | $ 250,000 | $ 93,000 |
| Yuma, AZ | 1 | $ 178,000 | $ 178,000 | $ 74,000 |
Mortgage Loan Application Detail Totals for American Guardian Financial Gr in 2005
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 | 782 | $175,565,000 | $155,375 | $6,800,000 | $84,625 | $1,200,000 |
| Refinancing | 351 | $116,901,000 | $597,000 | $2,000,000 | $179,500 | $705,000 |
| 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 |
|---|---|---|---|---|---|---|
| Hispanic | 523 | $108,860,000 | $171,000 | $1,238,000 | $91,600 | $461,000 |
| White | 285 | $83,500,000 | $311,428 | $2,000,000 | $142,000 | $705,000 |
| Not Provided | 150 | $51,049,000 | $369,250 | $6,800,000 | $139,250 | $1,200,000 |
| Asian | 78 | $25,007,000 | $315,500 | $1,280,000 | $130,500 | $435,000 |
| Black or African American | 74 | $18,595,000 | $274,000 | $950,000 | $123,500 | $1,170,000 |
| Native Hawaiian or Other Pacific Islander | 14 | $3,108,000 | $210,000 | $496,000 | $121,500 | $485,000 |
| American Indian or Alaskan Native | 9 | $2,347,000 | $260,000 | $528,000 | $93,000 | $179,000 |
| 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) | 1,133 | $292,466,000 | $241,250 | $6,800,000 | $112,750 | $1,200,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 543 | $125,495,000 | $190,750 | $1,280,000 | $158,750 | $1,200,000 |
| Application Approved But Not Accepted | 243 | $59,533,000 | $164,714 | $1,296,000 | $77,000 | $485,000 |
| Application Denied By Financial Institution | 235 | $66,177,000 | $308,428 | $3,360,000 | $127,285 | $1,200,000 |
| Application Withdrawn By Applicant | 89 | $32,553,000 | $302,000 | $6,800,000 | $121,400 | $1,170,000 |
| File Closed For Incompleteness | 23 | $8,708,000 | $672,000 | $1,500,000 | $172,666 | $394,000 |
| 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 | 25 | $7,884,000 | $302,000 | $3,360,000 | $150,000 | $1,200,000 |
| Other | 24 | $7,079,000 | $208,000 | $1,040,000 | $86,500 | $406,000 |
| Employment History | 12 | $2,447,000 | $192,000 | $452,000 | $116,000 | $240,000 |
| Debt-To-Income Ratio | 6 | $1,873,000 | $196,500 | $624,000 | $61,500 | $102,000 |
| Collateral | 6 | $1,334,000 | $222,000 | $560,000 | $98,000 | $238,000 |
| Unverifiable Information | 5 | $1,825,000 | $365,000 | $697,000 | $201,000 | $229,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American Guardian Financial Gr's 2005 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 American Guardian Financial Gr'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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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