E-Central Mortgage Lending & HMDA Data, 2011
In 2011, E-Central of Pasadena, CA reported 129 mortgage applications totaling $25.1 million, down 43% from 2010. The average application was for $194,674, and applicants reported an average income of $105,310. 60% of its applications resulted in an originated loan and 24% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (74), Riverside-San Bernardino-Ontario, CA (15) and Santa Ana-Anaheim-Irvine, CA (10) (applications in parentheses).
| Mortgage Company & Address | E-Central 990 South Fair Oaks Avenue Pasadena, CA 91105 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 129 |
| Total Mortgage Loan Application Amount | $25,113,000 |
| Average Mortgage Loan Application Amount | $194,674 |
| Highest Mortgage Loan Application Amount | $942,000 |
| Average Applicant Income | $105,310 |
| Highest Applicant Income | $758,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records E-Central filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 74 | $ 16,032,000 | $ 216,648 | $ 100,000 |
| San Bernardino, California | 12 | $ 2,129,000 | $ 177,416 | $ 82,000 |
| Orange, California | 10 | $ 2,022,000 | $ 202,200 | $ 109,000 |
| Riverside, California | 3 | $ 497,000 | $ 165,666 | $ 82,000 |
| Orange, Florida | 3 | $ 125,000 | $ 41,666 | $ 300,000 |
| Ventura, California | 2 | $ 335,000 | $ 167,500 | $ 139,000 |
| Hillsborough, Florida | 2 | $ 86,000 | $ 43,000 | $ 300,000 |
| Seminole, Florida | 2 | $ 67,000 | $ 33,500 | $ 300,000 |
| Maricopa, Arizona | 1 | $ 80,000 | $ 80,000 | $ 138,000 |
| Alameda, California | 1 | $ 252,000 | $ 252,000 | $ 36,000 |
| San Diego, California | 1 | $ 686,000 | $ 686,000 | $ 345,000 |
| Clark, Nevada | 1 | $ 95,000 | $ 95,000 | $ 46,000 |
Mortgage Loan Application Detail Totals for E-Central in 2011
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 | 97 | $18,836,000 | $194,000 | $942,000 | $113,000 | $758,000 |
| Home Purchase | 32 | $6,277,000 | $196,000 | $686,000 | $82,000 | $345,000 |
| 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 |
|---|---|---|---|---|---|---|
| Hispanic | 44 | $8,311,000 | $188,000 | $436,000 | $72,000 | $204,000 |
| White | 37 | $7,971,000 | $215,000 | $942,000 | $127,000 | $758,000 |
| Asian | 23 | $4,338,000 | $188,000 | $417,000 | $165,000 | $300,000 |
| Not Provided | 18 | $3,920,000 | $217,000 | $686,000 | $88,000 | $345,000 |
| Black or African American | 7 | $573,000 | $81,000 | $205,000 | $48,000 | $99,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 111 | $21,899,000 | $197,000 | $942,000 | $112,000 | $758,000 |
| FHA-insured (Federal Housing Administration) | 17 | $3,149,000 | $185,000 | $380,000 | $63,000 | $166,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $65,000 | $65,000 | $65,000 | $64,000 | $64,000 |
| 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 Originated | 77 | $13,111,000 | $170,000 | $942,000 | $125,000 | $758,000 |
| Application Denied By Financial Institution | 31 | $7,549,000 | $243,000 | $575,000 | $67,000 | $183,000 |
| Application Withdrawn By Applicant | 19 | $4,170,000 | $219,000 | $417,000 | $93,000 | $261,000 |
| File Closed For Incompleteness | 2 | $283,000 | $141,000 | $170,000 | $52,000 | $62,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 2 | $702,000 | $351,000 | $395,000 | $97,000 | $134,000 |
| 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 |
| Unverifiable Information | 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 E-Central's 2011 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 E-Central'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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