E-Central Mortgage Lending & HMDA Data, 2019
In 2019, E-Central of Pasadena, CA reported 81 mortgage applications totaling $18.8 million, down 10% from 2018. The average application was for $232,037, and applicants reported an average income of $215,827. 67% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (69), Riverside-San Bernardino-Ontario, CA (7) and Anaheim-Santa Ana-Irvine, CA (3) (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 | 81 |
| Total Mortgage Loan Application Amount | $18,795,000 |
| Average Mortgage Loan Application Amount | $232,037 |
| Highest Mortgage Loan Application Amount | $1,575,000 |
| Average Applicant Income | $215,827 |
| Highest Applicant Income | $1,497,000 |
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Disclosure Act (HMDA) records E-Central filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for E-Central in 2019
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 | 63 | $13,455,000 | $213,000 | $1,575,000 | $229,000 | $1,497,000 |
| Refinancing | 11 | $2,675,000 | $243,000 | $515,000 | $158,000 | $308,000 |
| Home Purchase | 5 | $2,395,000 | $479,000 | $1,005,000 | $193,000 | $308,000 |
| Other Purpose | 2 | $270,000 | $135,000 | $245,000 | $176,000 | $263,000 |
| 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 |
|---|---|---|---|---|---|---|
| Hispanic | 32 | $3,450,000 | $107,000 | $625,000 | $98,000 | $159,000 |
| White | 27 | $8,415,000 | $311,000 | $1,575,000 | $151,000 | $282,000 |
| Asian | 20 | $6,680,000 | $334,000 | $715,000 | $505,000 | $1,497,000 |
| Black or African American | 1 | $145,000 | $145,000 | $145,000 | $93,000 | $93,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $105,000 | $105,000 | $105,000 | $92,000 | $92,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 81 | $18,795,000 | $232,000 | $1,575,000 | $216,000 | $1,497,000 |
| 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 | 54 | $11,660,000 | $215,000 | $1,005,000 | $215,000 | $1,497,000 |
| Application Withdrawn By Applicant | 14 | $2,800,000 | $200,000 | $625,000 | $278,000 | $1,478,000 |
| Application Approved But Not Accepted | 7 | $3,365,000 | $480,000 | $1,575,000 | $178,000 | $265,000 |
| Application Denied By Financial Institution | 4 | $510,000 | $127,000 | $295,000 | $85,000 | $121,000 |
| File Closed For Incompleteness | 2 | $460,000 | $230,000 | $405,000 | $192,000 | $268,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 77 | $18,285,000 | $237,000 | $1,575,000 | $223,000 | $1,497,000 |
| Credit History | 3 | $415,000 | $138,000 | $295,000 | $96,000 | $121,000 |
| Debt-To-Income Ratio | 1 | $95,000 | $95,000 | $95,000 | $54,000 | $54,000 |
| 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 |
| 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 2019 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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