E-Central Mortgage Lending & HMDA Data, 2016
In 2016, E-Central of Pasadena, CA reported 95 mortgage applications totaling $24.9 million, down 38% from 2015. The average application was for $262,147, and applicants reported an average income of $110,431. 38% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (70), Riverside-San Bernardino-Ontario, CA (14) and Anaheim-Santa Ana-Irvine, CA (4) (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 | 95 |
| Total Mortgage Loan Application Amount | $24,904,000 |
| Average Mortgage Loan Application Amount | $262,147 |
| Highest Mortgage Loan Application Amount | $700,000 |
| Average Applicant Income | $110,431 |
| 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Disclosure Act (HMDA) records E-Central filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 70 | $ 18,628,000 | $ 266,114 | $ 108,000 |
| San Bernardino, California | 10 | $ 2,149,000 | $ 214,900 | $ 82,000 |
| Orange, California | 4 | $ 1,910,000 | $ 477,500 | $ 214,000 |
| Riverside, California | 4 | $ 376,000 | $ 94,000 | $ 104,000 |
| Yavapai, Arizona | 1 | $ 225,000 | $ 225,000 | $ 183,000 |
| Napa, California | 1 | $ 626,000 | $ 626,000 | $ 174,000 |
| Ventura, California | 1 | $ 309,000 | $ 309,000 | $ 85,000 |
| Clark, Nevada | 1 | $ 143,000 | $ 143,000 | $ 43,000 |
| Shelby, Tennessee | 1 | $ 32,000 | $ 32,000 | $ 47,000 |
| Harris, Texas | 1 | $ 188,000 | $ 188,000 | $ 53,000 |
Mortgage Loan Application Detail Totals for E-Central in 2016
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 | 81 | $21,456,000 | $264,000 | $700,000 | $108,000 | $451,000 |
| Home Purchase | 9 | $3,136,000 | $348,000 | $495,000 | $127,000 | $228,000 |
| Home Improvement | 5 | $312,000 | $62,000 | $90,000 | $120,000 | $181,000 |
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 | 39 | $8,702,000 | $223,000 | $513,000 | $86,000 | $245,000 |
| White | 35 | $11,266,000 | $321,000 | $660,000 | $132,000 | $451,000 |
| Asian | 14 | $3,548,000 | $253,000 | $700,000 | $131,000 | $371,000 |
| Black or African American | 4 | $774,000 | $193,000 | $417,000 | $77,000 | $120,000 |
| Not Provided | 2 | $122,000 | $61,000 | $72,000 | $89,000 | $100,000 |
| Native Hawaiin or Other Pacific Islander | 1 | $492,000 | $492,000 | $492,000 | $156,000 | $156,000 |
| 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) | 92 | $23,729,000 | $257,000 | $700,000 | $111,000 | $451,000 |
| FHA-insured (Federal Housing Administration) | 2 | $715,000 | $357,000 | $440,000 | $76,000 | $78,000 |
| VA-guaranteed (Veterans Administration) | 1 | $460,000 | $460,000 | $460,000 | $131,000 | $131,000 |
| 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 | 41 | $12,281,000 | $299,000 | $700,000 | $103,000 | $245,000 |
| Loan Originated | 36 | $6,846,000 | $190,000 | $600,000 | $125,000 | $451,000 |
| Application Denied By Financial Institution | 10 | $2,248,000 | $224,000 | $417,000 | $66,000 | $147,000 |
| Application Approved But Not Accepted | 7 | $2,951,000 | $421,000 | $660,000 | $148,000 | $232,000 |
| File Closed For Incompleteness | 1 | $578,000 | $578,000 | $578,000 | $62,000 | $62,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 3 | $1,100,000 | $366,000 | $417,000 | $62,000 | $77,000 |
| Credit History | 2 | $522,000 | $261,000 | $322,000 | $29,000 | $56,000 |
| Employment History | 1 | $417,000 | $417,000 | $417,000 | $65,000 | $65,000 |
| 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 2016 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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