C&G Financial Services Mortgage Lending & HMDA Data, 2006
In 2006, C&G Financial Services of Upland, CA reported 329 mortgage applications totaling $132.6 million. The average application was for $403,054, and applicants reported an average income of $227,902. 42% of its applications resulted in an originated loan and 25% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (58), Las Vegas-Paradise, NV (39) and Los Angeles-Long Beach-Glendale, CA (38) (applications in parentheses).
| Mortgage Company & Address | C&G Financial Services 1425 W Foothill Blvd., Suite 210 Upland, CA 91786 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 |
| Total Number of Mortgage Applications | 329 |
| Total Mortgage Loan Application Amount | $132,605,000 |
| Average Mortgage Loan Application Amount | $403,054 |
| Highest Mortgage Loan Application Amount | $1,978,000 |
| Average Applicant Income | $227,902 |
| Highest Applicant Income | $1,200,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records C&G Financial Services filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 58 | $ 14,418,000 | $ 248,586 | $ 139,000 |
| Las Vegas-Paradise, NV | 39 | $ 18,997,000 | $ 487,102 | $ 249,000 |
| Los Angeles-Long Beach-Glendale, CA | 38 | $ 18,601,000 | $ 489,500 | $ 242,000 |
| Orlando-Kissimmee, FL | 34 | $ 6,659,000 | $ 195,852 | $ 135,000 |
| Dallas-Plano-Irving, TX | 18 | $ 6,770,000 | $ 376,111 | $ 238,000 |
| Phoenix-Mesa-Scottsdale, AZ | 14 | $ 6,234,000 | $ 445,285 | $ 255,000 |
| Santa Ana-Anaheim-Irvine, CA | 13 | $ 10,988,000 | $ 845,230 | $ 426,000 |
| Houston-Sugar Land-Baytown, TX | 9 | $ 2,180,000 | $ 242,222 | $ 127,000 |
| Lakeland, FL | 8 | $ 933,000 | $ 116,625 | $ 109,000 |
| Miami-Miami Beach-Kendall, FL | 8 | $ 5,143,000 | $ 642,875 | $ 485,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 7 | $ 4,077,000 | $ 582,428 | $ 262,000 |
| Bethesda-Gaithersburg-Frederick, MD | 6 | $ 2,643,000 | $ 440,500 | $ 298,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 5 | $ 525,000 | $ 105,000 | $ 56,000 |
| San Diego-Carlsbad-San Marcos, CA | 5 | $ 3,514,000 | $ 702,800 | $ 250,000 |
| Naples-Marco Island, FL | 4 | $ 2,764,000 | $ 691,000 | $ 466,000 |
| Oakland-Fremont-Hayward, CA | 4 | $ 3,909,000 | $ 977,250 | $ 571,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 4 | $ 1,168,000 | $ 292,000 | $ 491,000 |
| San Antonio, TX | 4 | $ 533,000 | $ 133,250 | $ 345,000 |
| Austin-Round Rock, TX | 3 | $ 2,076,000 | $ 692,000 | $ 360,000 |
| Bakersfield, CA | 3 | $ 482,000 | $ 160,666 | $ 246,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 369,000 | $ 123,000 | $ 162,000 |
| San Francisco-San Mateo-Redwood City, CA | 3 | $ 3,073,000 | $ 1,024,333 | $ 361,000 |
| Santa Rosa-Petaluma, CA | 3 | $ 1,409,000 | $ 469,666 | $ 200,000 |
| Baltimore-Towson, MD | 2 | $ 840,000 | $ 420,000 | $ 293,000 |
| Fort Worth-Arlington, TX | 2 | $ 1,316,000 | $ 658,000 | $ 462,000 |
| Killeen-Temple-Fort Hood, TX | 2 | $ 126,000 | $ 63,000 | $ 78,000 |
| Modesto, CA | 2 | $ 435,000 | $ 217,500 | $ 0 |
| Portland-Vancouver-Beaverton, OR-WA | 2 | $ 193,000 | $ 96,500 | $ 47,000 |
| Reno-Sparks, NV | 2 | $ 1,939,000 | $ 969,500 | $ 375,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 913,000 | $ 456,500 | $ 329,000 |
| Visalia-Porterville, CA | 2 | $ 325,000 | $ 162,500 | $ 168,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 188,000 | $ 188,000 | $ 73,000 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 347,000 | $ 347,000 | $ 120,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 480,000 | $ 480,000 | $ 120,000 |
| Prescott, AZ | 1 | $ 125,000 | $ 125,000 | $ 124,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 938,000 | $ 938,000 | $ 420,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 253,000 | $ 253,000 | $ 120,000 |
| Vallejo-Fairfield, CA | 1 | $ 914,000 | $ 914,000 | $ 240,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 530,000 | $ 530,000 | $ 240,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 1,136,000 | $ 1,136,000 | $ 420,000 |
Mortgage Loan Application Detail Totals for C&G Financial Services in 2006
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 | 202 | $80,158,000 | $396,000 | $1,978,000 | $226,000 | $1,200,000 |
| Refinancing | 125 | $52,244,000 | $417,000 | $1,882,000 | $232,000 | $1,188,000 |
| Home Improvement | 2 | $203,000 | $101,000 | $168,000 | $164,000 | $276,000 |
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 | 133 | $55,620,000 | $418,000 | $1,921,000 | $242,000 | $1,188,000 |
| Hispanic | 83 | $31,286,000 | $376,000 | $1,978,000 | $212,000 | $1,086,000 |
| Not Provided | 45 | $19,754,000 | $438,000 | $1,833,000 | $247,000 | $780,000 |
| Black or African American | 44 | $17,306,000 | $393,000 | $1,275,000 | $192,000 | $578,000 |
| Asian | 18 | $7,012,000 | $389,000 | $1,175,000 | $235,000 | $1,200,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,127,000 | $225,000 | $589,000 | $252,000 | $319,000 |
| American Indian or Alaskan Native | 1 | $500,000 | $500,000 | $500,000 | $240,000 | $240,000 |
| 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) | 328 | $131,885,000 | $402,000 | $1,978,000 | $228,000 | $1,200,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $720,000 | $720,000 | $720,000 | $215,000 | $215,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 137 | $43,509,000 | $317,000 | $1,921,000 | $217,000 | $762,000 |
| Application Denied By Financial Institution | 83 | $44,192,000 | $532,000 | $1,978,000 | $262,000 | $1,188,000 |
| Application Withdrawn By Applicant | 62 | $28,495,000 | $459,000 | $1,690,000 | $225,000 | $1,080,000 |
| Application Approved But Not Accepted | 38 | $13,031,000 | $342,000 | $1,175,000 | $239,000 | $1,200,000 |
| Loan Purchased By The Institution | 6 | $1,707,000 | $284,000 | $636,000 | $0 | $0 |
| File Closed For Incompleteness | 3 | $1,671,000 | $557,000 | $938,000 | $212,000 | $420,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 59 | $29,380,000 | $497,000 | $1,978,000 | $262,000 | $1,188,000 |
| Credit History | 7 | $5,629,000 | $804,000 | $1,400,000 | $385,000 | $672,000 |
| Debt-To-Income Ratio | 6 | $1,808,000 | $301,000 | $704,000 | $100,000 | $264,000 |
| Unverifiable Information | 5 | $1,955,000 | $391,000 | $1,136,000 | $162,000 | $420,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $2,295,000 | $1,147,000 | $1,833,000 | $447,000 | $774,000 |
| Other | 1 | $1,275,000 | $1,275,000 | $1,275,000 | $578,000 | $578,000 |
| Employment History | 1 | $266,000 | $266,000 | $266,000 | $90,000 | $90,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into C&G Financial Services's 2006 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 C&G Financial Services'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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