E-Central Mortgage Lending & HMDA Data, 2015
In 2015, E-Central of Pasadena, CA reported 154 mortgage applications totaling $40.8 million, down 15% from 2014. The average application was for $265,201, and applicants reported an average income of $93,688. 18% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (82), Riverside-San Bernardino-Ontario, CA (20) and Anaheim-Santa Ana-Irvine, CA (6) (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 | 154 |
| Total Mortgage Loan Application Amount | $40,841,000 |
| Average Mortgage Loan Application Amount | $265,201 |
| Highest Mortgage Loan Application Amount | $1,700,000 |
| Average Applicant Income | $93,688 |
| Highest Applicant Income | $451,000 |
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Disclosure Act (HMDA) records E-Central filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 82 | $ 21,924,000 | $ 267,365 | $ 98,000 |
| Riverside, California | 13 | $ 2,405,000 | $ 185,000 | $ 61,000 |
| San Bernardino, California | 7 | $ 719,000 | $ 102,714 | $ 74,000 |
| Orange, California | 6 | $ 1,670,000 | $ 278,333 | $ 116,000 |
| Shelby, Tennessee | 2 | $ 54,000 | $ 27,000 | $ 50,000 |
| Tarrant, Texas | 2 | $ 190,000 | $ 95,000 | $ 108,000 |
| Kern, California | 1 | $ 244,000 | $ 244,000 | $ 15,000 |
| San Diego, California | 1 | $ 522,000 | $ 522,000 | $ 86,000 |
| San Luis Obispo, California | 1 | $ 100,000 | $ 100,000 | $ 84,000 |
| San Mateo, California | 1 | $ 626,000 | $ 626,000 | $ 97,000 |
| Ventura, California | 1 | $ 560,000 | $ 560,000 | $ 96,000 |
Mortgage Loan Application Detail Totals for E-Central in 2015
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 | 98 | $24,690,000 | $251,000 | $1,700,000 | $94,000 | $334,000 |
| Home Purchase | 46 | $15,492,000 | $336,000 | $1,150,000 | $96,000 | $451,000 |
| Home Improvement | 10 | $659,000 | $65,000 | $135,000 | $80,000 | $172,000 |
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 |
|---|---|---|---|---|---|---|
| Hispanic | 67 | $13,955,000 | $208,000 | $584,000 | $72,000 | $167,000 |
| White | 41 | $11,599,000 | $282,000 | $1,185,000 | $113,000 | $451,000 |
| Asian | 19 | $7,308,000 | $384,000 | $1,000,000 | $127,000 | $334,000 |
| Not Provided | 16 | $5,336,000 | $333,000 | $1,700,000 | $102,000 | $214,000 |
| Black or African American | 11 | $2,643,000 | $240,000 | $454,000 | $84,000 | $193,000 |
| 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) | 128 | $33,293,000 | $260,000 | $1,700,000 | $96,000 | $451,000 |
| FHA-insured (Federal Housing Administration) | 25 | $7,306,000 | $292,000 | $600,000 | $83,000 | $166,000 |
| VA-guaranteed (Veterans Administration) | 1 | $242,000 | $242,000 | $242,000 | $50,000 | $50,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 92 | $23,207,000 | $252,000 | $750,000 | $83,000 | $451,000 |
| Loan Originated | 27 | $7,943,000 | $294,000 | $1,185,000 | $131,000 | $334,000 |
| Application Denied By Financial Institution | 19 | $3,932,000 | $206,000 | $655,000 | $77,000 | $214,000 |
| Application Approved But Not Accepted | 7 | $2,068,000 | $295,000 | $584,000 | $95,000 | $167,000 |
| File Closed For Incompleteness | 5 | $2,505,000 | $501,000 | $1,700,000 | $116,000 | $186,000 |
| Preapproval Approved but not Accepted | 4 | $1,186,000 | $296,000 | $491,000 | $124,000 | $168,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 6 | $1,096,000 | $182,000 | $655,000 | $61,000 | $124,000 |
| Credit History | 5 | $1,109,000 | $221,000 | $295,000 | $108,000 | $214,000 |
| Collateral | 1 | $115,000 | $115,000 | $115,000 | $31,000 | $31,000 |
| Other | 1 | $25,000 | $25,000 | $25,000 | $25,000 | $25,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into E-Central's 2015 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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