Citifinancial Mtg Co, LLC Mortgage Lending & HMDA Data, 2006
In 2006, Citifinancial Mtg Co, LLC of Irving, TX reported 5,662 mortgage applications totaling $832.1 million, up 9% from 2005. The average application was for $146,956, and applicants reported an average income of $80,622. 6% of its applications resulted in an originated loan and 28% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (1,243), Riverside-San Bernardino-Ontario, CA (1,190) and San Diego-Carlsbad-San Marcos, CA (416) (applications in parentheses).
| Mortgage Company & Address | Citifinancial Mtg Co, LLC 4000 Regent Blvd Irving, TX 75067 |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 |
| Total Number of Mortgage Applications | 5,662 |
| Total Mortgage Loan Application Amount | $832,066,000 |
| Average Mortgage Loan Application Amount | $146,956 |
| Highest Mortgage Loan Application Amount | $990,000 |
| Average Applicant Income | $80,622 |
| Highest Applicant Income | $1,200,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Citifinancial Mtg Co, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles, California | 1,243 | $ 198,377,000 | $ 159,595 | $ 87,000 |
| San Bernardino, California | 608 | $ 81,213,000 | $ 133,574 | $ 74,000 |
| Riverside, California | 582 | $ 79,944,000 | $ 137,360 | $ 76,000 |
| San Diego, California | 416 | $ 66,589,000 | $ 160,069 | $ 93,000 |
| Orange, California | 306 | $ 57,298,000 | $ 187,248 | $ 103,000 |
| Fresno, California | 265 | $ 28,747,000 | $ 108,479 | $ 54,000 |
| Sacramento, California | 263 | $ 32,571,000 | $ 123,844 | $ 70,000 |
| Kern, California | 229 | $ 26,463,000 | $ 115,558 | $ 56,000 |
| Contra Costa, California | 163 | $ 26,284,000 | $ 161,251 | $ 96,000 |
| San Joaquin, California | 152 | $ 23,224,000 | $ 152,789 | $ 75,000 |
| Stanislaus, California | 152 | $ 18,931,000 | $ 124,546 | $ 58,000 |
| Alameda, California | 134 | $ 25,551,000 | $ 190,679 | $ 96,000 |
| Tulare, California | 128 | $ 13,047,000 | $ 101,929 | $ 58,000 |
| Ventura, California | 104 | $ 17,920,000 | $ 172,307 | $ 116,000 |
| Solano, California | 97 | $ 16,165,000 | $ 166,649 | $ 93,000 |
| Merced, California | 67 | $ 7,058,000 | $ 105,343 | $ 64,000 |
| Santa Clara, California | 60 | $ 12,140,000 | $ 202,333 | $ 112,000 |
| Imperial, California | 59 | $ 6,052,000 | $ 102,576 | $ 45,000 |
| Madera, California | 47 | $ 6,645,000 | $ 141,382 | $ 86,000 |
| Placer, California | 42 | $ 6,119,000 | $ 145,690 | $ 98,000 |
| Santa Barbara, California | 42 | $ 7,269,000 | $ 173,071 | $ 86,000 |
| Kings, California | 40 | $ 4,787,000 | $ 119,675 | $ 60,000 |
| El Dorado, California | 38 | $ 6,763,000 | $ 177,973 | $ 89,000 |
| San Mateo, California | 38 | $ 6,833,000 | $ 179,815 | $ 134,000 |
| Shasta, California | 37 | $ 4,779,000 | $ 129,162 | $ 60,000 |
| Butte, California | 35 | $ 4,904,000 | $ 140,114 | $ 91,000 |
| San Francisco, California | 31 | $ 5,306,000 | $ 171,161 | $ 104,000 |
| Monterey, California | 29 | $ 4,839,000 | $ 166,862 | $ 85,000 |
| San Luis Obispo, California | 26 | $ 3,991,000 | $ 153,500 | $ 108,000 |
| Napa, California | 25 | $ 4,509,000 | $ 180,360 | $ 91,000 |
| Yolo, California | 24 | $ 3,288,000 | $ 137,000 | $ 69,000 |
| Sutter, California | 22 | $ 2,978,000 | $ 135,363 | $ 97,000 |
| Sonoma, California | 21 | $ 2,393,000 | $ 113,952 | $ 81,000 |
| Yuba, California | 17 | $ 2,026,000 | $ 119,176 | $ 58,000 |
| Amador, California | 14 | $ 2,624,000 | $ 187,428 | $ 67,000 |
| Calaveras, California | 14 | $ 1,768,000 | $ 126,285 | $ 62,000 |
| Tehama, California | 11 | $ 1,482,000 | $ 134,727 | $ 79,000 |
| Tuolumne, California | 9 | $ 1,495,000 | $ 166,111 | $ 54,000 |
| Nevada, California | 8 | $ 1,625,000 | $ 203,125 | $ 79,000 |
| Del Norte, California | 7 | $ 989,000 | $ 141,285 | $ 34,000 |
| Humboldt, California | 7 | $ 1,031,000 | $ 147,285 | $ 77,000 |
| Lake, California | 7 | $ 903,000 | $ 129,000 | $ 45,000 |
| Mendocino, California | 6 | $ 483,000 | $ 80,500 | $ 63,000 |
| San Benito, California | 6 | $ 1,191,000 | $ 198,500 | $ 86,000 |
| Marin, California | 5 | $ 859,000 | $ 171,800 | $ 69,000 |
| Santa Cruz, California | 5 | $ 769,000 | $ 153,800 | $ 112,000 |
| Siskiyou, California | 5 | $ 223,000 | $ 44,600 | $ 68,000 |
| Mariposa, California | 4 | $ 410,000 | $ 102,500 | $ 29,000 |
| Glenn, California | 3 | $ 562,000 | $ 187,333 | $ 65,000 |
| Lassen, California | 3 | $ 304,000 | $ 101,333 | $ 37,000 |
| Plumas, California | 3 | $ 227,000 | $ 75,666 | $ 70,000 |
| Colusa, California | 1 | $ 50,000 | $ 50,000 | $ 42,000 |
| Mono, California | 1 | $ 50,000 | $ 50,000 | $ 76,000 |
| Trinity, California | 1 | $ 18,000 | $ 18,000 | $ 28,000 |
Mortgage Loan Application Detail Totals for Citifinancial Mtg Co, LLC 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 |
|---|---|---|---|---|---|---|
| Refinancing | 4,090 | $657,629,000 | $160,000 | $903,000 | $82,000 | $1,000,000 |
| Home Purchase | 1,207 | $113,454,000 | $93,000 | $990,000 | $71,000 | $1,200,000 |
| Home Improvement | 365 | $60,983,000 | $167,000 | $950,000 | $97,000 | $1,200,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 3,365 | $454,451,000 | $135,000 | $839,000 | $68,000 | $822,000 |
| Not Provided | 991 | $128,539,000 | $129,000 | $700,000 | $105,000 | $1,000,000 |
| White | 662 | $124,785,000 | $188,000 | $950,000 | $102,000 | $850,000 |
| Hispanic | 325 | $57,378,000 | $176,000 | $640,000 | $81,000 | $578,000 |
| Black or African American | 150 | $30,505,000 | $203,000 | $737,000 | $80,000 | $312,000 |
| Asian | 117 | $26,674,000 | $227,000 | $990,000 | $126,000 | $1,200,000 |
| Native Hawaiian or Other Pacific Islander | 32 | $6,818,000 | $213,000 | $496,000 | $85,000 | $294,000 |
| American Indian or Alaskan Native | 20 | $2,916,000 | $145,000 | $475,000 | $127,000 | $1,200,000 |
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) | 5,662 | $832,066,000 | $146,000 | $990,000 | $81,000 | $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 Purchased By The Institution | 3,365 | $454,451,000 | $135,000 | $839,000 | $68,000 | $822,000 |
| Application Denied By Financial Institution | 1,590 | $243,232,000 | $152,000 | $950,000 | $105,000 | $1,200,000 |
| Loan Originated | 355 | $64,331,000 | $181,000 | $749,000 | $87,000 | $312,000 |
| File Closed For Incompleteness | 254 | $55,860,000 | $219,000 | $990,000 | $91,000 | $1,200,000 |
| Application Approved But Not Accepted | 98 | $14,192,000 | $144,000 | $550,000 | $101,000 | $578,000 |
| Application Withdrawn By Applicant | 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 Application Incomplete | 1,295 | $186,582,000 | $144,000 | $950,000 | $108,000 | $1,200,000 |
| Credit History | 124 | $24,219,000 | $195,000 | $903,000 | $93,000 | $400,000 |
| Other | 56 | $10,880,000 | $194,000 | $604,000 | $101,000 | $324,000 |
| Debt-To-Income Ratio | 52 | $9,185,000 | $176,000 | $610,000 | $67,000 | $165,000 |
| Collateral | 40 | $8,508,000 | $212,000 | $640,000 | $92,000 | $257,000 |
| Unverifiable Information | 12 | $2,537,000 | $211,000 | $455,000 | $76,000 | $138,000 |
| Employment History | 11 | $1,321,000 | $120,000 | $486,000 | $75,000 | $135,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citifinancial Mtg Co, LLC'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 Citifinancial Mtg Co, 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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