E-Central Mortgage Lending & HMDA Data, 2010
In 2010, E-Central of Pasadena, CA reported 228 mortgage applications totaling $50.8 million, up 57% from 2009. The average application was for $222,877, and applicants reported an average income of $97,982. 54% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (130), Riverside-San Bernardino-Ontario, CA (35) and Santa Ana-Anaheim-Irvine, CA (24) (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 | 228 |
| Total Mortgage Loan Application Amount | $50,816,000 |
| Average Mortgage Loan Application Amount | $222,877 |
| Highest Mortgage Loan Application Amount | $800,000 |
| Average Applicant Income | $97,982 |
| Highest Applicant Income | $785,000 |
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Disclosure Act (HMDA) records E-Central filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 130 | $ 30,909,000 | $ 237,761 | $ 106,000 |
| Riverside-San Bernardino-Ontario, CA | 35 | $ 5,856,000 | $ 167,314 | $ 86,000 |
| Santa Ana-Anaheim-Irvine, CA | 24 | $ 6,389,000 | $ 266,208 | $ 93,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 4 | $ 670,000 | $ 167,500 | $ 170,000 |
| Chattanooga, TN-GA | 2 | $ 109,000 | $ 54,500 | $ 118,000 |
| Las Vegas-Paradise, NV | 2 | $ 147,000 | $ 73,500 | $ 40,000 |
| Philadelphia, PA | 2 | $ 130,000 | $ 65,000 | $ 140,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 64,000 | $ 64,000 | $ 34,000 |
| Denver-Aurora-Broomfield, CO | 1 | $ 547,000 | $ 547,000 | $ 68,000 |
| Houston-Sugar Land-Baytown, TX | 1 | $ 96,000 | $ 96,000 | $ 52,000 |
| Oakland-Fremont-Hayward, CA | 1 | $ 209,000 | $ 209,000 | $ 118,000 |
| Olympia, WA | 1 | $ 233,000 | $ 233,000 | $ 110,000 |
| San Diego-Carlsbad-San Marcos, CA | 1 | $ 264,000 | $ 264,000 | $ 105,000 |
Mortgage Loan Application Detail Totals for E-Central in 2010
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 | 188 | $42,453,000 | $225,000 | $800,000 | $105,000 | $785,000 |
| Home Purchase | 40 | $8,363,000 | $209,000 | $800,000 | $65,000 | $333,000 |
| 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 | 77 | $18,710,000 | $242,000 | $800,000 | $111,000 | $289,000 |
| Not Provided | 58 | $15,107,000 | $260,000 | $800,000 | $102,000 | $346,000 |
| Hispanic | 56 | $9,406,000 | $167,000 | $524,000 | $78,000 | $785,000 |
| Asian | 24 | $4,794,000 | $199,000 | $549,000 | $95,000 | $300,000 |
| Black or African American | 10 | $2,159,000 | $215,000 | $472,000 | $96,000 | $132,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $405,000 | $202,000 | $205,000 | $82,000 | $86,000 |
| American Indian or Alaskan Native | 1 | $235,000 | $235,000 | $235,000 | $55,000 | $55,000 |
| 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) | 222 | $49,389,000 | $222,000 | $800,000 | $99,000 | $785,000 |
| FHA-insured (Federal Housing Administration) | 5 | $1,010,000 | $202,000 | $286,000 | $55,000 | $128,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $417,000 | $417,000 | $417,000 | $106,000 | $106,000 |
| 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 | 123 | $25,263,000 | $205,000 | $665,000 | $94,000 | $300,000 |
| Application Denied By Financial Institution | 51 | $12,371,000 | $242,000 | $730,000 | $107,000 | $785,000 |
| Application Withdrawn By Applicant | 50 | $12,452,000 | $249,000 | $800,000 | $101,000 | $333,000 |
| Preapproval Approved but not Accepted | 2 | $433,000 | $216,000 | $389,000 | $63,000 | $86,000 |
| Preapproval Denied by Financial Institution | 1 | $97,000 | $97,000 | $97,000 | $23,000 | $23,000 |
| File Closed For Incompleteness | 1 | $200,000 | $200,000 | $200,000 | $86,000 | $86,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Unverifiable Information | 3 | $1,015,000 | $338,000 | $730,000 | $45,000 | $62,000 |
| Collateral | 2 | $251,000 | $125,000 | $128,000 | $54,000 | $71,000 |
| Debt-To-Income Ratio | 2 | $450,000 | $225,000 | $400,000 | $48,000 | $66,000 |
| Other | 1 | $547,000 | $547,000 | $547,000 | $68,000 | $68,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $164,000 | $164,000 | $164,000 | $51,000 | $51,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into E-Central's 2010 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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