De Oro Inc dba De Oro Home Loa Mortgage Lending & HMDA Data, 2003
In 2003, De Oro Inc dba De Oro Home Loa of Ontario, CA reported 1,468 mortgage applications totaling $190.4 million. The average application was for $129,724, and applicants reported an average income of $52,630. 86% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Riverside-San Bernardino, CA (784), Phoenix-Mesa, AZ (393) and Los Angeles-Long Beach, CA (160) (applications in parentheses).
| Mortgage Company & Address | De Oro Inc dba De Oro Home Loa 1757 S Euclid Ave Ontario, CA 91762 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2003 |
| Total Number of Mortgage Applications | 1,468 |
| Total Mortgage Loan Application Amount | $190,436,000 |
| Average Mortgage Loan Application Amount | $129,724 |
| Highest Mortgage Loan Application Amount | $600,000 |
| Average Applicant Income | $52,630 |
| Highest Applicant Income | $472,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records De Oro Inc dba De Oro Home Loa filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| San Bernardino, California | 478 | $ 60,208,000 | $ 125,958 | $ 49,000 |
| Maricopa, Arizona | 361 | $ 46,291,000 | $ 128,229 | $ 53,000 |
| Riverside, California | 306 | $ 34,855,000 | $ 113,905 | $ 54,000 |
| Los Angeles, California | 160 | $ 26,867,000 | $ 167,918 | $ 63,000 |
| Imperial, California | 55 | $ 4,790,000 | $ 87,090 | $ 24,000 |
| San Diego, California | 41 | $ 8,493,000 | $ 207,146 | $ 49,000 |
| Pinal, Arizona | 32 | $ 3,132,000 | $ 97,875 | $ 36,000 |
| Orange, California | 7 | $ 1,719,000 | $ 245,571 | $ 49,000 |
| Coconino, Arizona | 4 | $ 640,000 | $ 160,000 | $ 76,000 |
| Pima, Arizona | 4 | $ 389,000 | $ 97,250 | $ 68,000 |
| Gila, Arizona | 3 | $ 317,000 | $ 105,666 | $ 66,000 |
| Navajo, Arizona | 3 | $ 328,000 | $ 109,333 | $ 51,000 |
| Kern, California | 3 | $ 286,000 | $ 95,333 | $ 41,000 |
| Yavapai, Arizona | 2 | $ 225,000 | $ 112,500 | $ 202,000 |
| Santa Barbara, California | 2 | $ 553,000 | $ 276,500 | $ 97,000 |
| Ventura, California | 2 | $ 654,000 | $ 327,000 | $ 157,000 |
| La Paz, Arizona | 1 | $ 58,000 | $ 58,000 | $ 45,000 |
| Mohave, Arizona | 1 | $ 165,000 | $ 165,000 | $ 57,000 |
| Fresno, California | 1 | $ 40,000 | $ 40,000 | $ 31,000 |
| San Francisco, California | 1 | $ 180,000 | $ 180,000 | $ 34,000 |
| San Joaquin, California | 1 | $ 246,000 | $ 246,000 | $ 68,000 |
Mortgage Loan Application Detail Totals for De Oro Inc dba De Oro Home Loa in 2003
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 (one-to-four family) | 808 | $99,693,000 | $122,000 | $600,000 | $57,500 | $312,000 |
| Refinancing (home purchase or home improvement, one-to-four family) | 659 | $90,595,000 | $135,000 | $478,000 | $49,000 | $472,000 |
| Home Improvement (one-to-four family) | 1 | $148,000 | $148,000 | $148,000 | $0 | $0 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 | 961 | $122,226,000 | $117,500 | $542,000 | $40,000 | $300,000 |
| White | 366 | $49,729,000 | $138,000 | $600,000 | $67,000 | $472,000 |
| Black | 79 | $10,676,000 | $128,000 | $440,000 | $46,500 | $178,000 |
| Information not provided by applicant in mail or telephone application | 30 | $2,963,000 | $115,500 | $282,000 | $43,000 | $157,000 |
| Asian or Pacific Islander | 15 | $2,687,000 | $152,000 | $478,000 | $64,500 | $134,000 |
| American Indian or Alaskan Native | 9 | $1,083,000 | $121,500 | $361,000 | $27,000 | $63,000 |
| Other | 7 | $920,000 | $127,500 | $173,000 | $73,500 | $285,000 |
| Not applicable | 1 | $152,000 | $152,000 | $152,000 | $59,000 | $59,000 |
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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 743 | $98,848,000 | $126,500 | $361,000 | $39,000 | $180,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 708 | $89,404,000 | $128,500 | $600,000 | $70,500 | $472,000 |
| VA-guaranteed (Veterans Administration) | 11 | $1,374,000 | $132,500 | $179,000 | $38,000 | $57,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $810,000 | $135,000 | $185,000 | $28,500 | $47,000 |
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 | 1,259 | $162,193,000 | $127,500 | $600,000 | $55,000 | $472,000 |
| Application Denied By Financial Institution | 207 | $27,889,000 | $131,500 | $439,000 | $51,000 | $264,000 |
| Application Withdrawn By Applicant | 2 | $354,000 | $177,000 | $217,000 | $101,000 | $164,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Other | 124 | $17,601,000 | $144,000 | $439,000 | $47,500 | $264,000 |
| Debt-To-Income Ratio | 27 | $2,949,000 | $104,500 | $221,000 | $41,500 | $180,000 |
| Credit History | 22 | $2,761,000 | $128,500 | $231,000 | $48,000 | $138,000 |
| Collateral | 21 | $2,685,000 | $167,500 | $243,000 | $122,000 | $196,000 |
| Unverifiable Information | 6 | $736,000 | $122,000 | $182,000 | $52,000 | $67,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $692,000 | $173,000 | $315,000 | $41,000 | $65,000 |
| Employment History | 2 | $297,000 | $148,500 | $212,000 | $46,500 | $68,000 |
| Credit Application Incomplete | 1 | $168,000 | $168,000 | $168,000 | $64,000 | $64,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into De Oro Inc dba De Oro Home Loa's 2003 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 De Oro Inc dba De Oro Home Loa'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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