Dynamax Mortgage, Inc Mortgage Lending & HMDA Data, 2005
In 2005, Dynamax Mortgage, Inc of Irvine, CA reported 760 mortgage applications totaling $190.6 million. The average application was for $250,731, and applicants reported an average income of $64,125. 19% of its applications resulted in an originated loan and 73% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (129), Los Angeles-Long Beach-Glendale, CA (108) and Sacramento--Arden-Arcade--Roseville, CA (84) (applications in parentheses).
| Mortgage Company & Address | Dynamax Mortgage, Inc 3 Mason Irvine, CA 92618 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 |
| Total Number of Mortgage Applications | 760 |
| Total Mortgage Loan Application Amount | $190,556,000 |
| Average Mortgage Loan Application Amount | $250,731 |
| Highest Mortgage Loan Application Amount | $1,620,000 |
| Average Applicant Income | $64,125 |
| Highest Applicant Income | $420,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Dynamax Mortgage, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 129 | $ 34,087,000 | $ 264,240 | $ 76,000 |
| Los Angeles-Long Beach-Glendale, CA | 108 | $ 31,558,000 | $ 292,203 | $ 70,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 84 | $ 21,701,000 | $ 258,345 | $ 64,000 |
| Fresno, CA | 66 | $ 11,825,000 | $ 179,166 | $ 47,000 |
| San Diego-Carlsbad-San Marcos, CA | 42 | $ 13,884,000 | $ 330,571 | $ 90,000 |
| Visalia-Porterville, CA | 34 | $ 4,776,000 | $ 140,470 | $ 44,000 |
| Stockton, CA | 32 | $ 8,796,000 | $ 274,875 | $ 57,000 |
| Bakersfield, CA | 30 | $ 4,534,000 | $ 151,133 | $ 36,000 |
| Oakland-Fremont-Hayward, CA | 29 | $ 11,158,000 | $ 384,758 | $ 68,000 |
| Santa Ana-Anaheim-Irvine, CA | 27 | $ 9,556,000 | $ 353,925 | $ 115,000 |
| Modesto, CA | 25 | $ 6,094,000 | $ 243,760 | $ 52,000 |
| Tampa-St. Petersburg-Clearwater, FL | 25 | $ 3,248,000 | $ 129,920 | $ 43,000 |
| Hanford-Corcoran, CA | 17 | $ 2,621,000 | $ 154,176 | $ 38,000 |
| Merced, CA | 16 | $ 4,220,000 | $ 263,750 | $ 72,000 |
| Madera, CA | 14 | $ 2,757,000 | $ 196,928 | $ 56,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 14 | $ 5,960,000 | $ 425,714 | $ 66,000 |
| Orlando, FL | 13 | $ 1,814,000 | $ 139,538 | $ 45,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 6 | $ 1,647,000 | $ 274,500 | $ 64,000 |
| Palm Bay-Melbourne-Titusville, FL | 6 | $ 965,000 | $ 160,833 | $ 39,000 |
| San Francisco-San Mateo-Redwood City, CA | 6 | $ 2,634,000 | $ 439,000 | $ 94,000 |
| Vallejo-Fairfield, CA | 6 | $ 1,787,000 | $ 297,833 | $ 58,000 |
| Yuba City, CA | 5 | $ 980,000 | $ 196,000 | $ 69,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 397,000 | $ 132,333 | $ 28,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 165,000 | $ 82,500 | $ 64,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 449,000 | $ 224,500 | $ 37,000 |
| Ocala, FL | 2 | $ 101,000 | $ 50,500 | $ 19,000 |
| Denver-Aurora, CO | 1 | $ 125,000 | $ 125,000 | $ 44,000 |
| Evansville, IN-KY | 1 | $ 133,000 | $ 133,000 | $ 93,000 |
| Gulfport-Biloxi, MS | 1 | $ 175,000 | $ 175,000 | $ 84,000 |
| Honolulu, HI | 1 | $ 222,000 | $ 222,000 | $ 60,000 |
| Lakeland, FL | 1 | $ 144,000 | $ 144,000 | $ 44,000 |
| Lawrence, KS | 1 | $ 245,000 | $ 245,000 | $ 89,000 |
| Lexington-Fayette, KY | 1 | $ 120,000 | $ 120,000 | $ 40,000 |
| Louisville, KY-IN | 1 | $ 75,000 | $ 75,000 | $ 30,000 |
| Medford, OR | 1 | $ 150,000 | $ 150,000 | $ 70,000 |
| Philadelphia, PA | 1 | $ 249,000 | $ 249,000 | $ 21,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 215,000 | $ 215,000 | $ 36,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 420,000 | $ 420,000 | $ 52,000 |
| St. Louis, MO-IL | 1 | $ 94,000 | $ 94,000 | $ 21,000 |
| Tucson, AZ | 1 | $ 112,000 | $ 112,000 | $ 25,000 |
Mortgage Loan Application Detail Totals for Dynamax Mortgage, Inc 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 |
|---|---|---|---|---|---|---|
| Refinancing | 595 | $147,779,000 | $167,909 | $1,620,000 | $52,545 | $420,000 |
| Home Purchase | 165 | $42,777,000 | $176,000 | $819,000 | $52,250 | $300,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not Provided | 188 | $47,180,000 | $156,500 | $1,620,000 | $46,166 | $420,000 |
| White | 179 | $39,103,000 | $161,833 | $819,000 | $44,333 | $180,000 |
| Hispanic | 169 | $39,772,000 | $203,333 | $612,000 | $67,333 | $180,000 |
| Black or African American | 137 | $37,510,000 | $164,000 | $857,000 | $54,000 | $300,000 |
| Asian | 61 | $18,986,000 | $278,500 | $648,000 | $87,000 | $180,000 |
| Native Hawaiian or Other Pacific Islander | 17 | $5,462,000 | $274,500 | $723,000 | $60,000 | $99,000 |
| American Indian or Alaskan Native | 9 | $2,543,000 | $282,000 | $550,000 | $55,000 | $145,000 |
| 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) | 759 | $190,346,000 | $167,083 | $1,620,000 | $52,500 | $420,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $210,000 | $210,000 | $210,000 | $98,000 | $98,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 553 | $143,056,000 | $168,166 | $857,000 | $51,583 | $300,000 |
| Loan Originated | 147 | $31,047,000 | $172,500 | $581,000 | $63,000 | $168,000 |
| Application Withdrawn By Applicant | 33 | $9,306,000 | $282,000 | $1,620,000 | $83,000 | $420,000 |
| Application Approved But Not Accepted | 22 | $6,417,000 | $291,000 | $971,000 | $90,000 | $300,000 |
| File Closed For Incompleteness | 5 | $730,000 | $146,000 | $290,000 | $99,000 | $144,000 |
| 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 |
|---|---|---|---|---|---|---|
| Unverifiable Information | 1 | $67,000 | $67,000 | $67,000 | $50,000 | $50,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Dynamax Mortgage, Inc'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 Dynamax Mortgage, Inc'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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