E-Central Mortgage Lending & HMDA Data, 2020
In 2020, E-Central of Pasadena, CA reported 39 mortgage applications totaling $13.2 million, down 52% from 2019. The average application was for $338,076, and applicants reported an average income of $163,230. 74% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (29), Riverside-San Bernardino-Ontario, CA (9) and San Diego-Carlsbad, CA (1) (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 | 39 |
| Total Mortgage Loan Application Amount | $13,185,000 |
| Average Mortgage Loan Application Amount | $338,076 |
| Highest Mortgage Loan Application Amount | $2,435,000 |
| Average Applicant Income | $163,230 |
| Highest Applicant Income | $893,000 |
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Disclosure Act (HMDA) records E-Central filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 29 | $ 11,985,000 | $ 413,275 | $ 176,000 |
| Riverside-San Bernardino-Ontario, CA | 9 | $ 1,065,000 | $ 118,333 | $ 135,000 |
| San Diego-Carlsbad, CA | 1 | $ 135,000 | $ 135,000 | $ 66,000 |
Mortgage Loan Application Detail Totals for E-Central in 2020
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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 23 | $8,275,000 | $359,000 | $2,435,000 | $154,000 | $356,000 |
| Refinancing | 8 | $2,870,000 | $358,000 | $1,505,000 | $236,000 | $893,000 |
| Other Purpose | 7 | $335,000 | $47,000 | $55,000 | $95,000 | $122,000 |
| Home Purchase | 1 | $1,705,000 | $1,705,000 | $1,705,000 | $271,000 | $271,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| White | 20 | $9,570,000 | $478,000 | $2,435,000 | $190,000 | $893,000 |
| Hispanic | 10 | $710,000 | $71,000 | $135,000 | $120,000 | $209,000 |
| Asian | 5 | $915,000 | $183,000 | $275,000 | $165,000 | $326,000 |
| Black or African American | 3 | $1,825,000 | $608,000 | $1,635,000 | $164,000 | $355,000 |
| Not Provided | 1 | $165,000 | $165,000 | $165,000 | $60,000 | $60,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 39 | $13,185,000 | $338,000 | $2,435,000 | $163,000 | $893,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 29 | $12,335,000 | $425,000 | $2,435,000 | $180,000 | $893,000 |
| Application Withdrawn By Applicant | 6 | $330,000 | $55,000 | $95,000 | $85,000 | $115,000 |
| Application Approved But Not Accepted | 3 | $415,000 | $138,000 | $275,000 | $175,000 | $209,000 |
| Application Denied By Financial Institution | 1 | $105,000 | $105,000 | $105,000 | $130,000 | $130,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 38 | $13,080,000 | $344,000 | $2,435,000 | $164,000 | $893,000 |
| Employment History | 1 | $105,000 | $105,000 | $105,000 | $130,000 | $130,000 |
| 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 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into E-Central's 2020 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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