Catalyst Mortgage Mortgage Lending & HMDA Data, 2025
In 2025, Catalyst Mortgage of Roseville, CA reported 185 mortgage applications totaling $83.2 million, down 14% from 2024. The average application was for $449,594, and applicants reported an average income of $149,091. 58% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Sacramento--Roseville--Arden-Arcade, CA (34), Denver-Aurora-Lakewood, CO (9) and Los Angeles-Long Beach-Glendale, CA (7) (applications in parentheses).
| Mortgage Company & Address | Catalyst Mortgage 3013 Douglas Blvd, Suite 135 Roseville, CA 95661 |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 |
| Total Number of Mortgage Applications | 185 |
| Total Mortgage Loan Application Amount | $83,175,000 |
| Average Mortgage Loan Application Amount | $449,594 |
| Highest Mortgage Loan Application Amount | $1,925,000 |
| Average Applicant Income | $149,091 |
| Highest Applicant Income | $1,200,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Catalyst Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Sacramento, California | 26 | $ 10,840,000 | $ 416,923 | $ 155,000 |
| Los Angeles, California | 7 | $ 5,065,000 | $ 723,571 | $ 289,000 |
| Miami-Dade, Florida | 7 | $ 3,015,000 | $ 430,714 | $ 176,000 |
| Alameda, California | 5 | $ 3,435,000 | $ 687,000 | $ 313,000 |
| Placer, California | 5 | $ 2,185,000 | $ 437,000 | $ 159,000 |
| Riverside, California | 5 | $ 2,395,000 | $ 479,000 | $ 133,000 |
| San Diego, California | 5 | $ 3,475,000 | $ 695,000 | $ 190,000 |
| Pasco, Florida | 4 | $ 1,550,000 | $ 387,500 | $ 126,000 |
| Polk, Florida | 4 | $ 1,580,000 | $ 395,000 | $ 91,000 |
| Orange, California | 3 | $ 1,955,000 | $ 651,666 | $ 120,000 |
| San Luis Obispo, California | 3 | $ 1,215,000 | $ 405,000 | $ 108,000 |
| Solano, California | 3 | $ 855,000 | $ 285,000 | $ 140,000 |
| Adams, Colorado | 3 | $ 1,835,000 | $ 611,666 | $ 86,000 |
| Jefferson, Colorado | 3 | $ 1,415,000 | $ 471,666 | $ 126,000 |
| Hillsborough, Florida | 3 | $ 1,425,000 | $ 475,000 | $ 229,000 |
| Lincoln, Oregon | 3 | $ 1,085,000 | $ 361,666 | $ 98,000 |
| Calaveras, California | 2 | $ 640,000 | $ 320,000 | $ 196,000 |
| Contra Costa, California | 2 | $ 720,000 | $ 360,000 | $ 129,000 |
| El Dorado, California | 2 | $ 720,000 | $ 360,000 | $ 163,000 |
| Fresno, California | 2 | $ 750,000 | $ 375,000 | $ 127,000 |
| San Bernardino, California | 2 | $ 670,000 | $ 335,000 | $ 144,000 |
| Sonoma, California | 2 | $ 1,100,000 | $ 550,000 | $ 154,000 |
| Stanislaus, California | 2 | $ 1,030,000 | $ 515,000 | $ 179,000 |
| Sutter, California | 2 | $ 800,000 | $ 400,000 | $ 101,000 |
| Ventura, California | 2 | $ 870,000 | $ 435,000 | $ 77,000 |
| Arapahoe, Colorado | 2 | $ 960,000 | $ 480,000 | $ 162,000 |
| Brevard, Florida | 2 | $ 780,000 | $ 390,000 | $ 243,000 |
| Lee, Florida | 2 | $ 480,000 | $ 240,000 | $ 90,000 |
| Manatee, Florida | 2 | $ 1,180,000 | $ 590,000 | $ 146,000 |
| Orange, Florida | 2 | $ 1,040,000 | $ 520,000 | $ 164,000 |
| Palm Beach, Florida | 2 | $ 890,000 | $ 445,000 | $ 142,000 |
| Sarasota, Florida | 2 | $ 890,000 | $ 445,000 | $ 95,000 |
| Seminole, Florida | 2 | $ 590,000 | $ 295,000 | $ 129,000 |
| Volusia, Florida | 2 | $ 990,000 | $ 495,000 | $ 112,000 |
| Lane, Oregon | 2 | $ 1,040,000 | $ 520,000 | $ 128,000 |
| Anderson, Tennessee | 2 | $ 580,000 | $ 290,000 | $ 106,000 |
| Greene, Tennessee | 2 | $ 590,000 | $ 295,000 | $ 40,000 |
| Knox, Tennessee | 2 | $ 700,000 | $ 350,000 | $ 64,000 |
| Shelby, Tennessee | 2 | $ 310,000 | $ 155,000 | $ 155,000 |
| Pinal, Arizona | 1 | $ 355,000 | $ 355,000 | $ 91,000 |
| Amador, California | 1 | $ 225,000 | $ 225,000 | $ 85,000 |
| Colusa, California | 1 | $ 475,000 | $ 475,000 | $ 0 |
| Marin, California | 1 | $ 845,000 | $ 845,000 | $ 234,000 |
| Monterey, California | 1 | $ 825,000 | $ 825,000 | $ 186,000 |
| San Joaquin, California | 1 | $ 415,000 | $ 415,000 | $ 115,000 |
| San Mateo, California | 1 | $ 305,000 | $ 305,000 | $ 359,000 |
| Santa Barbara, California | 1 | $ 775,000 | $ 775,000 | $ 450,000 |
| Santa Clara, California | 1 | $ 595,000 | $ 595,000 | $ 212,000 |
| Yolo, California | 1 | $ 365,000 | $ 365,000 | $ 79,000 |
| Yuba, California | 1 | $ 315,000 | $ 315,000 | $ 75,000 |
| Broomfield, Colorado | 1 | $ 845,000 | $ 845,000 | $ 284,000 |
| El Paso, Colorado | 1 | $ 525,000 | $ 525,000 | $ 157,000 |
| Fremont, Colorado | 1 | $ 375,000 | $ 375,000 | $ 30,000 |
| Mesa, Colorado | 1 | $ 185,000 | $ 185,000 | $ 90,000 |
| Weld, Colorado | 1 | $ 365,000 | $ 365,000 | $ 76,000 |
| Bay, Florida | 1 | $ 535,000 | $ 535,000 | $ 286,000 |
| Broward, Florida | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Citrus, Florida | 1 | $ 295,000 | $ 295,000 | $ 78,000 |
| Collier, Florida | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Duval, Florida | 1 | $ 335,000 | $ 335,000 | $ 100,000 |
| Escambia, Florida | 1 | $ 405,000 | $ 405,000 | $ 77,000 |
| Lake, Florida | 1 | $ 315,000 | $ 315,000 | $ 171,000 |
| Leon, Florida | 1 | $ 505,000 | $ 505,000 | $ 112,000 |
| Nassau, Florida | 1 | $ 525,000 | $ 525,000 | $ 113,000 |
| Okaloosa, Florida | 1 | $ 335,000 | $ 335,000 | $ 71,000 |
| St. Johns, Florida | 1 | $ 265,000 | $ 265,000 | $ 64,000 |
| St. Lucie, Florida | 1 | $ 395,000 | $ 395,000 | $ 112,000 |
| Sumter, Florida | 1 | $ 475,000 | $ 475,000 | $ 244,000 |
| Wakulla, Florida | 1 | $ 375,000 | $ 375,000 | $ 140,000 |
| Walton, Florida | 1 | $ 335,000 | $ 335,000 | $ 86,000 |
| Gallatin, Montana | 1 | $ 395,000 | $ 395,000 | $ 65,000 |
| Hoke, North Carolina | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Jefferson, Oregon | 1 | $ 335,000 | $ 335,000 | $ 78,000 |
| Klamath, Oregon | 1 | $ 535,000 | $ 535,000 | $ 146,000 |
| Marion, Oregon | 1 | $ 515,000 | $ 515,000 | $ 155,000 |
| Multnomah, Oregon | 1 | $ 365,000 | $ 365,000 | $ 95,000 |
| Tillamook, Oregon | 1 | $ 255,000 | $ 255,000 | $ 114,000 |
| Yamhill, Oregon | 1 | $ 345,000 | $ 345,000 | $ 52,000 |
| Cambria, Pennsylvania | 1 | $ 145,000 | $ 145,000 | $ 43,000 |
| Mercer, Pennsylvania | 1 | $ 345,000 | $ 345,000 | $ 103,000 |
| Bradley, Tennessee | 1 | $ 755,000 | $ 755,000 | $ 269,000 |
| Davidson, Tennessee | 1 | $ 395,000 | $ 395,000 | $ 145,000 |
| Hamilton, Tennessee | 1 | $ 385,000 | $ 385,000 | $ 128,000 |
| Jefferson, Tennessee | 1 | $ 405,000 | $ 405,000 | $ 85,000 |
| McNairy, Tennessee | 1 | $ 245,000 | $ 245,000 | $ 104,000 |
| Montgomery, Tennessee | 1 | $ 695,000 | $ 695,000 | $ 152,000 |
| Sevier, Tennessee | 1 | $ 245,000 | $ 245,000 | $ 79,000 |
| Williamson, Tennessee | 1 | $ 895,000 | $ 895,000 | $ 200,000 |
| Kenosha, Wisconsin | 1 | $ 245,000 | $ 245,000 | $ 420,000 |
Mortgage Loan Application Detail Totals for Catalyst Mortgage 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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 63 | $30,025,000 | $476,000 | $1,305,000 | $137,000 | $540,000 |
| Home Improvement | 42 | $17,920,000 | $426,000 | $785,000 | $170,000 | $720,000 |
| Home Purchase | 40 | $17,950,000 | $448,000 | $845,000 | $150,000 | $450,000 |
| Refinancing | 39 | $17,075,000 | $437,000 | $1,925,000 | $149,000 | $1,200,000 |
| Not Applicable | 1 | $205,000 | $205,000 | $205,000 | $0 | $0 |
| Other Purpose | 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 |
|---|---|---|---|---|---|---|
| Not Provided | 96 | $41,440,000 | $431,000 | $895,000 | $130,000 | $450,000 |
| White | 57 | $26,815,000 | $470,000 | $1,925,000 | $177,000 | $1,200,000 |
| Hispanic | 16 | $6,910,000 | $431,000 | $685,000 | $138,000 | $224,000 |
| Asian | 8 | $5,350,000 | $668,000 | $1,305,000 | $251,000 | $600,000 |
| Black or African American | 5 | $1,525,000 | $305,000 | $425,000 | $104,000 | $145,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $485,000 | $485,000 | $485,000 | $104,000 | $104,000 |
| Not applicable | 1 | $295,000 | $295,000 | $295,000 | $108,000 | $108,000 |
| American Indian or Alaskan Native | 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) | 93 | $40,695,000 | $437,000 | $1,925,000 | $175,000 | $1,200,000 |
| FHA-insured (Federal Housing Administration) | 62 | $29,300,000 | $472,000 | $975,000 | $127,000 | $286,000 |
| VA-guaranteed (Veterans Administration) | 30 | $13,180,000 | $439,000 | $805,000 | $112,000 | $243,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 108 | $47,510,000 | $439,000 | $1,925,000 | $154,000 | $1,200,000 |
| Application Withdrawn By Applicant | 44 | $20,130,000 | $457,000 | $1,305,000 | $140,000 | $540,000 |
| File Closed For Incompleteness | 18 | $7,690,000 | $427,000 | $615,000 | $101,000 | $184,000 |
| Application Denied By Financial Institution | 14 | $7,390,000 | $527,000 | $975,000 | $199,000 | $720,000 |
| Application Approved But Not Accepted | 1 | $455,000 | $455,000 | $455,000 | $94,000 | $94,000 |
| 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 | 171 | $75,785,000 | $443,000 | $1,925,000 | $145,000 | $1,200,000 |
| Debt-To-Income Ratio | 5 | $1,925,000 | $385,000 | $565,000 | $62,000 | $103,000 |
| Other | 4 | $3,050,000 | $762,000 | $975,000 | $470,000 | $720,000 |
| Credit History | 3 | $1,605,000 | $535,000 | $615,000 | $162,000 | $186,000 |
| Unverifiable Information | 1 | $305,000 | $305,000 | $305,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $505,000 | $505,000 | $505,000 | $112,000 | $112,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Catalyst Mortgage'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 Catalyst Mortgage'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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