E-Central Mortgage Lending & HMDA Data, 2008
In 2008, E-Central of Pasadena, CA reported 76 mortgage applications totaling $26.1 million, up 52% from 2007. The average application was for $343,802, and applicants reported an average income of $100,473. 82% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (51), Riverside-San Bernardino-Ontario, CA (9) and Santa Ana-Anaheim-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 | 76 |
| Total Mortgage Loan Application Amount | $26,129,000 |
| Average Mortgage Loan Application Amount | $343,802 |
| Highest Mortgage Loan Application Amount | $1,150,000 |
| Average Applicant Income | $100,473 |
| Highest Applicant Income | $435,000 |
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Disclosure Act (HMDA) records E-Central filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 51 | $ 19,372,000 | $ 379,843 | $ 103,000 |
| Riverside-San Bernardino-Ontario, CA | 9 | $ 1,890,000 | $ 210,000 | $ 126,000 |
| Santa Ana-Anaheim-Irvine, CA | 6 | $ 1,858,000 | $ 309,666 | $ 88,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 176,000 | $ 176,000 | $ 12,000 |
| Denver-Aurora, CO | 1 | $ 556,000 | $ 556,000 | $ 157,000 |
| Honolulu, HI | 1 | $ 570,000 | $ 570,000 | $ 96,000 |
| Kennewick-Pasco-Richland, WA | 1 | $ 170,000 | $ 170,000 | $ 42,000 |
| Las Vegas-Paradise, NV | 1 | $ 76,000 | $ 76,000 | $ 52,000 |
| San Francisco-San Mateo-Redwood City, CA | 1 | $ 450,000 | $ 450,000 | $ 125,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 61,000 | $ 61,000 | $ 42,000 |
Mortgage Loan Application Detail Totals for E-Central in 2008
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 | 47 | $16,719,000 | $355,000 | $1,150,000 | $102,000 | $435,000 |
| Home Purchase | 29 | $9,410,000 | $324,000 | $653,000 | $98,000 | $306,000 |
| 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 |
|---|---|---|---|---|---|---|
| White | 25 | $10,062,000 | $402,000 | $1,150,000 | $120,000 | $306,000 |
| Hispanic | 20 | $5,733,000 | $286,000 | $447,000 | $78,000 | $166,000 |
| Asian | 18 | $6,322,000 | $351,000 | $653,000 | $94,000 | $180,000 |
| Not Provided | 8 | $2,378,000 | $297,000 | $570,000 | $112,000 | $435,000 |
| Black or African American | 4 | $1,156,000 | $289,000 | $560,000 | $102,000 | $192,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $478,000 | $478,000 | $478,000 | $75,000 | $75,000 |
| 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) | 76 | $26,129,000 | $343,000 | $1,150,000 | $100,000 | $435,000 |
| 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 | 62 | $21,389,000 | $344,000 | $1,000,000 | $107,000 | $435,000 |
| Application Denied By Financial Institution | 11 | $3,790,000 | $344,000 | $1,150,000 | $70,000 | $164,000 |
| Preapproval Approved but not Accepted | 2 | $750,000 | $375,000 | $400,000 | $85,000 | $97,000 |
| Preapproval Denied by Financial Institution | 1 | $200,000 | $200,000 | $200,000 | $30,000 | $30,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | $1,547,000 | $257,000 | $380,000 | $55,000 | $96,000 |
| Collateral | 4 | $2,114,000 | $528,000 | $1,150,000 | $96,000 | $164,000 |
| Other | 2 | $329,000 | $164,000 | $225,000 | $44,000 | $54,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 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 2008 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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