Data Mortgage Inc., dba Essex Mortgage Lending & HMDA Data, 2011
In 2011, Data Mortgage Inc., dba Essex of Orange, CA reported 2,597 mortgage applications totaling $685.0 million, down 41% from 2010. The average application was for $263,784, and applicants reported an average income of $88,039. 58% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (923), Riverside-San Bernardino-Ontario, CA (457) and Santa Ana-Anaheim-Irvine, CA (323) (applications in parentheses).
| Mortgage Company & Address | Data Mortgage Inc., dba Essex 1100 W. Town & Country Rd. Ste. 100 Orange, CA 92868 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,597 |
| Total Mortgage Loan Application Amount | $685,049,000 |
| Average Mortgage Loan Application Amount | $263,784 |
| Highest Mortgage Loan Application Amount | $1,286,000 |
| Average Applicant Income | $88,039 |
| Highest Applicant Income | $1,728,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Data Mortgage Inc., dba Essex filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 923 | $ 265,908,000 | $ 288,091 | $ 86,000 |
| Riverside-San Bernardino-Ontario, CA | 457 | $ 97,302,000 | $ 212,914 | $ 72,000 |
| Santa Ana-Anaheim-Irvine, CA | 323 | $ 120,179,000 | $ 372,071 | $ 132,000 |
| Las Vegas-Paradise, NV | 130 | $ 17,709,000 | $ 136,223 | $ 72,000 |
| Oakland-Fremont-Hayward, CA | 127 | $ 30,324,000 | $ 238,771 | $ 72,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 78 | $ 15,527,000 | $ 199,064 | $ 76,000 |
| Salt Lake City, UT | 76 | $ 17,549,000 | $ 230,907 | $ 90,000 |
| San Diego-Carlsbad-San Marcos, CA | 76 | $ 25,080,000 | $ 330,000 | $ 112,000 |
| Bakersfield-Delano, CA | 57 | $ 8,321,000 | $ 145,982 | $ 54,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 55 | $ 15,829,000 | $ 287,800 | $ 83,000 |
| Stockton, CA | 34 | $ 6,517,000 | $ 191,676 | $ 82,000 |
| Vallejo-Fairfield, CA | 33 | $ 6,945,000 | $ 210,454 | $ 73,000 |
| Modesto, CA | 23 | $ 2,831,000 | $ 123,086 | $ 67,000 |
| San Francisco-San Mateo-Redwood City, CA | 23 | $ 9,905,000 | $ 430,652 | $ 121,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 23 | $ 9,691,000 | $ 421,347 | $ 140,000 |
| Ogden-Clearfield, UT | 21 | $ 4,047,000 | $ 192,714 | $ 59,000 |
| Provo-Orem, UT | 14 | $ 2,803,000 | $ 200,214 | $ 76,000 |
| Salinas, CA | 10 | $ 3,009,000 | $ 300,900 | $ 110,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 8 | $ 2,657,000 | $ 332,125 | $ 139,000 |
| Seattle-Bellevue-Everett, WA | 8 | $ 3,105,000 | $ 388,125 | $ 132,000 |
| Visalia-Porterville, CA | 8 | $ 973,000 | $ 121,625 | $ 42,000 |
| Fresno, CA | 7 | $ 936,000 | $ 133,714 | $ 56,000 |
| Napa, CA | 7 | $ 1,869,000 | $ 267,000 | $ 79,000 |
| Tacoma, WA | 7 | $ 1,557,000 | $ 222,428 | $ 58,000 |
| Phoenix-Mesa-Glendale, AZ | 6 | $ 673,000 | $ 112,166 | $ 58,000 |
| Santa Rosa-Petaluma, CA | 6 | $ 1,688,000 | $ 281,333 | $ 73,000 |
| Denver-Aurora-Broomfield, CO | 5 | $ 1,314,000 | $ 262,800 | $ 101,000 |
| Merced, CA | 4 | $ 695,000 | $ 173,750 | $ 80,000 |
| Reno-Sparks, NV | 4 | $ 756,000 | $ 189,000 | $ 55,000 |
| Santa Cruz-Watsonville, CA | 4 | $ 1,182,000 | $ 295,500 | $ 75,000 |
| Bend, OR | 3 | $ 454,000 | $ 151,333 | $ 120,000 |
| San Luis Obispo-Paso Robles, CA | 3 | $ 1,104,000 | $ 368,000 | $ 122,000 |
| Chico, CA | 2 | $ 260,000 | $ 130,000 | $ 49,000 |
| Hanford-Corcoran, CA | 2 | $ 246,000 | $ 123,000 | $ 409,000 |
| Olympia, WA | 2 | $ 596,000 | $ 298,000 | $ 83,000 |
| Boulder, CO | 1 | $ 199,000 | $ 199,000 | $ 55,000 |
| El Centro, CA | 1 | $ 127,000 | $ 127,000 | $ 27,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 176,000 | $ 176,000 | $ 27,000 |
| Logan, UT-ID | 1 | $ 74,000 | $ 74,000 | $ 24,000 |
| Madera-Chowchilla, CA | 1 | $ 171,000 | $ 171,000 | $ 49,000 |
| Yuba City, CA | 1 | $ 226,000 | $ 226,000 | $ 58,000 |
Mortgage Loan Application Detail Totals for Data Mortgage Inc., dba Essex in 2011
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 1,842 | $438,810,000 | $238,000 | $1,286,000 | $78,000 | $1,728,000 |
| Refinancing | 739 | $241,625,000 | $326,000 | $1,000,000 | $113,000 | $1,283,000 |
| Home Improvement | 16 | $4,614,000 | $288,000 | $507,000 | $91,000 | $336,000 |
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 | 1,118 | $253,457,000 | $226,000 | $737,000 | $65,000 | $655,000 |
| White | 989 | $296,757,000 | $300,000 | $1,286,000 | $111,000 | $1,728,000 |
| Asian | 240 | $69,369,000 | $289,000 | $770,000 | $111,000 | $628,000 |
| Black or African American | 114 | $25,767,000 | $226,000 | $666,000 | $72,000 | $320,000 |
| Not Provided | 106 | $33,012,000 | $311,000 | $731,000 | $96,000 | $443,000 |
| Native Hawaiian or Other Pacific Islander | 23 | $4,923,000 | $214,000 | $487,000 | $66,000 | $205,000 |
| American Indian or Alaskan Native | 7 | $1,764,000 | $252,000 | $585,000 | $92,000 | $263,000 |
| 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 1,513 | $384,685,000 | $254,000 | $737,000 | $71,000 | $622,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,039 | $287,266,000 | $276,000 | $1,286,000 | $113,000 | $1,728,000 |
| VA-guaranteed (Veterans Administration) | 45 | $13,098,000 | $291,000 | $623,000 | $78,000 | $165,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 1,504 | $393,174,000 | $261,000 | $840,000 | $89,000 | $1,283,000 |
| Application Approved But Not Accepted | 467 | $126,613,000 | $271,000 | $1,200,000 | $94,000 | $1,728,000 |
| Application Denied By Financial Institution | 423 | $111,214,000 | $262,000 | $1,000,000 | $80,000 | $1,109,000 |
| Application Withdrawn By Applicant | 166 | $42,729,000 | $257,000 | $800,000 | $77,000 | $505,000 |
| File Closed For Incompleteness | 37 | $11,319,000 | $305,000 | $1,286,000 | $129,000 | $1,109,000 |
| 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 | 171 | $48,830,000 | $285,000 | $748,000 | $68,000 | $288,000 |
| Credit History | 69 | $16,186,000 | $234,000 | $729,000 | $75,000 | $315,000 |
| Collateral | 47 | $11,080,000 | $235,000 | $730,000 | $90,000 | $247,000 |
| Other | 42 | $11,625,000 | $276,000 | $1,000,000 | $108,000 | $648,000 |
| Unverifiable Information | 31 | $7,106,000 | $229,000 | $417,000 | $71,000 | $200,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 18 | $3,769,000 | $209,000 | $417,000 | $74,000 | $320,000 |
| Employment History | 13 | $3,524,000 | $271,000 | $603,000 | $72,000 | $282,000 |
| Credit Application Incomplete | 10 | $3,597,000 | $359,000 | $968,000 | $238,000 | $1,109,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Data Mortgage Inc., dba Essex's 2011 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 Data Mortgage Inc., dba Essex'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.
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