Evergreen Lending, Inc. Mortgage Lending & HMDA Data, 2006
In 2006, Evergreen Lending, Inc. of Irvine, CA reported 567 mortgage applications totaling $145.4 million, down 22% from 2005. The average application was for $256,428, and applicants reported an average income of $127,837. 33% of its applications resulted in an originated loan and 20% were denied. Its largest markets were San Diego-Carlsbad-San Marcos, CA (101), Los Angeles-Long Beach-Glendale, CA (75) and Riverside-San Bernardino-Ontario, CA (70) (applications in parentheses).
| Mortgage Company & Address | Evergreen Lending, Inc. 10005 Muirlands Blvd Ste G Irvine, CA 92618 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 567 |
| Total Mortgage Loan Application Amount | $145,395,000 |
| Average Mortgage Loan Application Amount | $256,428 |
| Highest Mortgage Loan Application Amount | $1,340,000 |
| Average Applicant Income | $127,837 |
| Highest Applicant Income | $1,118,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Evergreen Lending, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| San Diego-Carlsbad-San Marcos, CA | 101 | $ 35,365,000 | $ 350,148 | $ 184,000 |
| Los Angeles-Long Beach-Glendale, CA | 75 | $ 21,547,000 | $ 287,293 | $ 135,000 |
| Riverside-San Bernardino-Ontario, CA | 70 | $ 16,903,000 | $ 241,471 | $ 116,000 |
| Denver-Aurora, CO | 67 | $ 10,967,000 | $ 163,686 | $ 77,000 |
| Oakland-Fremont-Hayward, CA | 35 | $ 12,638,000 | $ 361,085 | $ 130,000 |
| Santa Ana-Anaheim-Irvine, CA | 20 | $ 7,622,000 | $ 381,100 | $ 202,000 |
| Miami-Miami Beach-Kendall, FL | 13 | $ 2,244,000 | $ 172,615 | $ 133,000 |
| Tucson, AZ | 11 | $ 1,057,000 | $ 96,090 | $ 51,000 |
| Fresno, CA | 10 | $ 2,221,000 | $ 222,100 | $ 172,000 |
| Phoenix-Mesa-Scottsdale, AZ | 8 | $ 1,597,000 | $ 199,625 | $ 88,000 |
| Vallejo-Fairfield, CA | 7 | $ 1,686,000 | $ 240,857 | $ 171,000 |
| San Francisco-San Mateo-Redwood City, CA | 6 | $ 2,481,000 | $ 413,500 | $ 153,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 5 | $ 860,000 | $ 172,000 | $ 121,000 |
| Las Vegas-Paradise, NV | 5 | $ 1,047,000 | $ 209,400 | $ 139,000 |
| Orlando-Kissimmee, FL | 5 | $ 570,000 | $ 114,000 | $ 116,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 5 | $ 1,136,000 | $ 227,200 | $ 103,000 |
| Fort Collins-Loveland, CO | 4 | $ 420,000 | $ 105,000 | $ 83,000 |
| Grand Junction, CO | 4 | $ 737,000 | $ 184,250 | $ 93,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 4 | $ 1,160,000 | $ 290,000 | $ 163,000 |
| Stockton, CA | 4 | $ 1,159,000 | $ 289,750 | $ 143,000 |
| Boulder, CO | 3 | $ 927,000 | $ 309,000 | $ 89,000 |
| Colorado Springs, CO | 3 | $ 825,000 | $ 275,000 | $ 159,000 |
| Greeley, CO | 3 | $ 368,000 | $ 122,666 | $ 58,000 |
| Jacksonville, FL | 3 | $ 866,000 | $ 288,666 | $ 85,000 |
| Naples-Marco Island, FL | 3 | $ 225,000 | $ 75,000 | $ 30,000 |
| Sarasota-Bradenton-Venice, FL | 3 | $ 829,000 | $ 276,333 | $ 136,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 559,000 | $ 186,333 | $ 73,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 3 | $ 618,000 | $ 206,000 | $ 79,000 |
| Bakersfield, CA | 2 | $ 210,000 | $ 105,000 | $ 82,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 434,000 | $ 217,000 | $ 127,000 |
| Coeur D'Alene, ID | 2 | $ 419,000 | $ 209,500 | $ 66,000 |
| Honolulu, HI | 2 | $ 441,000 | $ 220,500 | $ 175,000 |
| Modesto, CA | 2 | $ 387,000 | $ 193,500 | $ 180,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 638,000 | $ 319,000 | $ 224,000 |
| Yuma, AZ | 2 | $ 294,000 | $ 147,000 | $ 84,000 |
| Bend, OR | 1 | $ 161,000 | $ 161,000 | $ 120,000 |
| Boise City-Nampa, ID | 1 | $ 225,000 | $ 225,000 | $ 54,000 |
| Lakeland, FL | 1 | $ 144,000 | $ 144,000 | $ 74,000 |
| Memphis, TN-MS-AR | 1 | $ 55,000 | $ 55,000 | $ 49,000 |
| Pueblo, CO | 1 | $ 122,000 | $ 122,000 | $ 47,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 600,000 | $ 600,000 | $ 204,000 |
| Sebastian-Vero Beach, FL | 1 | $ 216,000 | $ 216,000 | $ 138,000 |
| Visalia-Porterville, CA | 1 | $ 100,000 | $ 100,000 | $ 79,000 |
Mortgage Loan Application Detail Totals for Evergreen Lending, Inc. in 2006
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 | 295 | $69,188,000 | $234,000 | $960,000 | $124,000 | $1,118,000 |
| Refinancing | 272 | $76,207,000 | $280,000 | $1,340,000 | $132,000 | $1,118,000 |
| 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 |
|---|---|---|---|---|---|---|
| Hispanic | 189 | $45,023,000 | $238,000 | $944,000 | $105,000 | $300,000 |
| White | 124 | $26,663,000 | $215,000 | $1,000,000 | $113,000 | $534,000 |
| Asian | 104 | $29,671,000 | $285,000 | $750,000 | $154,000 | $480,000 |
| Not Provided | 96 | $30,187,000 | $314,000 | $1,340,000 | $169,000 | $1,118,000 |
| Black or African American | 44 | $11,760,000 | $267,000 | $875,000 | $112,000 | $240,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,030,000 | $206,000 | $500,000 | $144,000 | $186,000 |
| American Indian or Alaskan Native | 5 | $1,061,000 | $212,000 | $576,000 | $143,000 | $234,000 |
| 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) | 566 | $144,765,000 | $255,000 | $1,340,000 | $128,000 | $1,118,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $630,000 | $630,000 | $630,000 | $150,000 | $150,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 |
|---|---|---|---|---|---|---|
| Application Approved But Not Accepted | 239 | $64,836,000 | $271,000 | $1,340,000 | $133,000 | $1,118,000 |
| Loan Originated | 187 | $42,412,000 | $226,000 | $750,000 | $131,000 | $534,000 |
| Application Denied By Financial Institution | 116 | $31,063,000 | $267,000 | $960,000 | $114,000 | $528,000 |
| Application Withdrawn By Applicant | 22 | $6,317,000 | $287,000 | $796,000 | $109,000 | $276,000 |
| File Closed For Incompleteness | 3 | $767,000 | $255,000 | $388,000 | $177,000 | $316,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 44 | $11,962,000 | $271,000 | $774,000 | $113,000 | $418,000 |
| Collateral | 17 | $4,294,000 | $252,000 | $710,000 | $159,000 | $524,000 |
| Other | 14 | $5,118,000 | $365,000 | $960,000 | $174,000 | $528,000 |
| Debt-To-Income Ratio | 12 | $1,975,000 | $164,000 | $368,000 | $65,000 | $110,000 |
| Unverifiable Information | 9 | $2,102,000 | $233,000 | $448,000 | $56,000 | $180,000 |
| Employment History | 4 | $845,000 | $211,000 | $336,000 | $15,000 | $60,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $917,000 | $305,000 | $412,000 | $162,000 | $180,000 |
| Credit Application Incomplete | 2 | $495,000 | $247,000 | $396,000 | $107,000 | $112,000 |
| Mortgage Insurance Denied | 1 | $140,000 | $140,000 | $140,000 | $25,000 | $25,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Evergreen Lending, Inc.'s 2006 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 Evergreen Lending, Inc.'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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