Gold Reverse, Inc. Mortgage Lending & HMDA Data, 2005
In 2005, Gold Reverse, Inc. of Anaheim, CA reported 4,058 mortgage applications totaling $1.1 billion, down 11% from 2004. The average application was for $261,389, and applicants reported an average income of $113,188. 40% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (1,059), Riverside-San Bernardino-Ontario, CA (582) and Santa Ana-Anaheim-Irvine, CA (460) (applications in parentheses).
| Mortgage Company & Address | Gold Reverse, Inc. 2099 South State College Blvd #600 Anaheim, CA 92806 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 4,058 |
| Total Mortgage Loan Application Amount | $1,060,717,000 |
| Average Mortgage Loan Application Amount | $261,389 |
| Highest Mortgage Loan Application Amount | $16,250,000 |
| Average Applicant Income | $113,188 |
| Highest Applicant Income | $6,656,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Gold Reverse, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 1,059 | $ 308,831,000 | $ 291,625 | $ 134,000 |
| Riverside-San Bernardino-Ontario, CA | 582 | $ 133,366,000 | $ 229,151 | $ 109,000 |
| Santa Ana-Anaheim-Irvine, CA | 460 | $ 158,773,000 | $ 345,158 | $ 139,000 |
| Salt Lake City, UT | 176 | $ 24,150,000 | $ 137,215 | $ 137,000 |
| Las Vegas-Paradise, NV | 165 | $ 37,500,000 | $ 227,272 | $ 91,000 |
| San Diego-Carlsbad-San Marcos, CA | 155 | $ 53,286,000 | $ 343,780 | $ 117,000 |
| Oakland-Fremont-Hayward, CA | 123 | $ 39,602,000 | $ 321,967 | $ 108,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 121 | $ 33,341,000 | $ 275,545 | $ 97,000 |
| Phoenix-Mesa-Scottsdale, AZ | 120 | $ 20,158,000 | $ 167,983 | $ 108,000 |
| Denver-Aurora, CO | 82 | $ 11,935,000 | $ 145,548 | $ 80,000 |
| Ogden-Clearfield, UT | 63 | $ 7,566,000 | $ 120,095 | $ 39,000 |
| Bakersfield, CA | 58 | $ 7,542,000 | $ 130,034 | $ 106,000 |
| San Francisco-San Mateo-Redwood City, CA | 56 | $ 43,745,000 | $ 781,160 | $ 187,000 |
| Provo-Orem, UT | 50 | $ 6,187,000 | $ 123,740 | $ 46,000 |
| Fresno, CA | 48 | $ 8,442,000 | $ 175,875 | $ 77,000 |
| Idaho Falls, ID | 44 | $ 5,247,000 | $ 119,250 | $ 28,000 |
| Colorado Springs, CO | 35 | $ 3,326,000 | $ 95,028 | $ 101,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 35 | $ 12,589,000 | $ 359,685 | $ 110,000 |
| Stockton, CA | 33 | $ 7,513,000 | $ 227,666 | $ 78,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 30 | $ 11,623,000 | $ 387,433 | $ 122,000 |
| Seattle-Bellevue-Everett, WA | 29 | $ 4,309,000 | $ 148,586 | $ 135,000 |
| Modesto, CA | 27 | $ 5,723,000 | $ 211,962 | $ 57,000 |
| Merced, CA | 26 | $ 4,410,000 | $ 169,615 | $ 134,000 |
| Vallejo-Fairfield, CA | 25 | $ 6,490,000 | $ 259,600 | $ 118,000 |
| Visalia-Porterville, CA | 19 | $ 2,831,000 | $ 149,000 | $ 97,000 |
| St. Louis, MO-IL | 15 | $ 1,272,000 | $ 84,800 | $ 92,000 |
| Santa Cruz-Watsonville, CA | 14 | $ 5,851,000 | $ 417,928 | $ 47,000 |
| Honolulu, HI | 13 | $ 5,659,000 | $ 435,307 | $ 209,000 |
| Tacoma, WA | 12 | $ 2,073,000 | $ 172,750 | $ 99,000 |
| Portland-Vancouver-Beaverton, OR-WA | 11 | $ 2,407,000 | $ 218,818 | $ 107,000 |
| Salinas, CA | 11 | $ 7,552,000 | $ 686,545 | $ 143,000 |
| Santa Rosa-Petaluma, CA | 11 | $ 4,800,000 | $ 436,363 | $ 186,000 |
| Boise City-Nampa, ID | 10 | $ 1,136,000 | $ 113,600 | $ 193,000 |
| Fort Collins-Loveland, CO | 10 | $ 2,144,000 | $ 214,400 | $ 149,000 |
| Chico, CA | 9 | $ 2,014,000 | $ 223,777 | $ 98,000 |
| Reno-Sparks, NV | 9 | $ 1,741,000 | $ 193,444 | $ 57,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 9 | $ 3,390,000 | $ 376,666 | $ 69,000 |
| El Centro, CA | 8 | $ 917,000 | $ 114,625 | $ 52,000 |
| San Luis Obispo-Paso Robles, CA | 8 | $ 2,109,000 | $ 263,625 | $ 95,000 |
| Yuba City, CA | 8 | $ 1,452,000 | $ 181,500 | $ 98,000 |
| St. George, UT | 7 | $ 1,964,000 | $ 280,571 | $ 342,000 |
| Prescott, AZ | 6 | $ 876,000 | $ 146,000 | $ 151,000 |
| Kansas City, MO-KS | 4 | $ 225,000 | $ 56,250 | $ 80,000 |
| Boulder, CO | 3 | $ 778,000 | $ 259,333 | $ 135,000 |
| Pocatello, ID | 3 | $ 382,000 | $ 127,333 | $ 138,000 |
| Coeur D'Alene, ID | 2 | $ 167,000 | $ 83,500 | $ 106,000 |
| Hanford-Corcoran, CA | 2 | $ 316,000 | $ 158,000 | $ 28,000 |
| Kennewick-Richland-Pasco, WA | 2 | $ 207,000 | $ 103,500 | $ 82,000 |
| Logan, UT-ID | 2 | $ 199,000 | $ 99,500 | $ 55,000 |
| Napa, CA | 2 | $ 1,226,000 | $ 613,000 | $ 336,000 |
| Redding, CA | 2 | $ 300,000 | $ 150,000 | $ 15,000 |
| Tucson, AZ | 2 | $ 250,000 | $ 125,000 | $ 48,000 |
| Carson City, NV | 1 | $ 161,000 | $ 161,000 | $ 151,000 |
| Corvallis, OR | 1 | $ 25,000 | $ 25,000 | $ 94,000 |
| Greeley, CO | 1 | $ 54,000 | $ 54,000 | $ 0 |
| San Antonio, TX | 1 | $ 126,000 | $ 126,000 | $ 70,000 |
| Warren-Farmington Hills-Troy, MI | 1 | $ 124,000 | $ 124,000 | $ 0 |
Mortgage Loan Application Detail Totals for Gold Reverse, Inc. in 2005
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 | 2,589 | $615,362,000 | $175,166 | $2,600,000 | $112,750 | $6,656,000 |
| Refinancing | 1,469 | $445,355,000 | $226,818 | $16,250,000 | $82,545 | $1,800,000 |
| 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 | 2,136 | $581,102,000 | $205,833 | $16,250,000 | $112,333 | $6,656,000 |
| Hispanic | 1,187 | $289,769,000 | $164,777 | $990,000 | $106,444 | $1,194,000 |
| Black or African American | 320 | $81,209,000 | $200,500 | $2,000,000 | $86,300 | $1,735,000 |
| Asian | 261 | $72,600,000 | $175,571 | $2,275,000 | $118,857 | $608,000 |
| Not Provided | 129 | $28,451,000 | $156,125 | $1,200,000 | $71,875 | $653,000 |
| Native Hawaiian or Other Pacific Islander | 14 | $4,667,000 | $243,000 | $968,000 | $93,000 | $336,000 |
| American Indian or Alaskan Native | 11 | $2,919,000 | $252,500 | $611,000 | $140,000 | $225,000 |
| 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) | 3,850 | $1,032,990,000 | $188,384 | $16,250,000 | $101,000 | $3,223,000 |
| FHA-insured (Federal Housing Administration) | 208 | $27,727,000 | $158,333 | $315,000 | $60,333 | $6,656,000 |
| 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 | 1,620 | $389,368,000 | $169,444 | $3,000,000 | $118,333 | $6,656,000 |
| Application Withdrawn By Applicant | 963 | $246,768,000 | $211,000 | $3,750,000 | $103,416 | $993,000 |
| Application Denied By Financial Institution | 697 | $203,144,000 | $207,250 | $16,250,000 | $97,250 | $3,223,000 |
| Application Approved But Not Accepted | 606 | $162,442,000 | $223,300 | $2,600,000 | $120,600 | $1,194,000 |
| File Closed For Incompleteness | 172 | $58,995,000 | $204,300 | $1,750,000 | $151,800 | $2,627,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 63 | $15,877,000 | $356,400 | $2,275,000 | $66,200 | $485,000 |
| Collateral | 50 | $14,038,000 | $303,500 | $1,908,000 | $100,875 | $480,000 |
| Credit History | 42 | $14,265,000 | $213,000 | $5,300,000 | $81,200 | $1,800,000 |
| Debt-To-Income Ratio | 31 | $7,273,000 | $178,600 | $652,000 | $74,400 | $516,000 |
| Unverifiable Information | 30 | $9,105,000 | $272,500 | $744,000 | $171,500 | $378,000 |
| Employment History | 13 | $3,588,000 | $219,000 | $750,000 | $90,000 | $264,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $865,000 | $432,000 | $479,000 | $163,000 | $224,000 |
| Credit Application Incomplete | 1 | $140,000 | $140,000 | $140,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Gold Reverse, Inc.'s 2005 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 Gold Reverse, 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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