Home Approvals Direct, Inc. Mortgage Lending & HMDA Data, 2016
In 2016, Home Approvals Direct, Inc. of Irvine, CA reported 313 mortgage applications totaling $113.7 million. The average application was for $363,335, and applicants reported an average income of $106,418. 34% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (111), Anaheim-Santa Ana-Irvine, CA (60) and Riverside-San Bernardino-Ontario, CA (57) (applications in parentheses).
| Mortgage Company & Address | Home Approvals Direct, Inc. 18201 Von Karman Ave. Suite 300 Irvine, CA 92612 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 |
| Total Number of Mortgage Applications | 313 |
| Total Mortgage Loan Application Amount | $113,724,000 |
| Average Mortgage Loan Application Amount | $363,335 |
| Highest Mortgage Loan Application Amount | $1,645,000 |
| Average Applicant Income | $106,418 |
| Highest Applicant Income | $3,000,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Home Approvals Direct, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 111 | $ 41,219,000 | $ 371,342 | $ 117,000 |
| Anaheim-Santa Ana-Irvine, CA | 60 | $ 26,793,000 | $ 446,550 | $ 115,000 |
| Riverside-San Bernardino-Ontario, CA | 57 | $ 16,059,000 | $ 281,736 | $ 76,000 |
| San Diego-Carlsbad, CA | 19 | $ 7,524,000 | $ 396,000 | $ 107,000 |
| Salinas, CA | 18 | $ 5,888,000 | $ 327,111 | $ 90,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 9 | $ 4,070,000 | $ 452,222 | $ 138,000 |
| Oakland-Hayward-Berkeley, CA | 8 | $ 2,790,000 | $ 348,750 | $ 109,000 |
| Bakersfield, CA | 7 | $ 1,643,000 | $ 234,714 | $ 167,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 5 | $ 1,732,000 | $ 346,400 | $ 143,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 3 | $ 885,000 | $ 295,000 | $ 49,000 |
| Santa Rosa, CA | 2 | $ 803,000 | $ 401,500 | $ 89,000 |
| Stockton-Lodi, CA | 2 | $ 593,000 | $ 296,500 | $ 43,000 |
| Yuba City, CA | 2 | $ 635,000 | $ 317,500 | $ 110,000 |
| Merced, CA | 1 | $ 210,000 | $ 210,000 | $ 98,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 296,000 | $ 296,000 | $ 50,000 |
| Vallejo-Fairfield, CA | 1 | $ 334,000 | $ 334,000 | $ 103,000 |
Mortgage Loan Application Detail Totals for Home Approvals Direct, Inc. in 2016
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 | 210 | $75,799,000 | $360,000 | $1,645,000 | $113,000 | $3,000,000 |
| Home Purchase | 103 | $37,925,000 | $368,000 | $1,070,000 | $93,000 | $259,000 |
| 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 | 153 | $48,796,000 | $318,000 | $625,000 | $82,000 | $269,000 |
| White | 64 | $24,817,000 | $387,000 | $665,000 | $117,000 | $417,000 |
| Asian | 44 | $18,828,000 | $427,000 | $1,645,000 | $174,000 | $3,000,000 |
| Not Provided | 38 | $14,815,000 | $389,000 | $940,000 | $115,000 | $307,000 |
| Black or African American | 8 | $3,454,000 | $431,000 | $545,000 | $102,000 | $150,000 |
| Native Hawaiin or Other Pacific Islander | 6 | $3,014,000 | $502,000 | $821,000 | $106,000 | $232,000 |
| Not applicable | 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) | 202 | $72,067,000 | $356,000 | $1,645,000 | $120,000 | $3,000,000 |
| FHA-insured (Federal Housing Administration) | 91 | $32,927,000 | $361,000 | $636,000 | $82,000 | $319,000 |
| VA-guaranteed (Veterans Administration) | 20 | $8,730,000 | $436,000 | $639,000 | $82,000 | $125,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 181 | $67,071,000 | $370,000 | $1,645,000 | $111,000 | $3,000,000 |
| Loan Originated | 106 | $36,539,000 | $344,000 | $1,070,000 | $102,000 | $307,000 |
| Application Approved But Not Accepted | 21 | $8,139,000 | $387,000 | $636,000 | $100,000 | $166,000 |
| File Closed For Incompleteness | 3 | $1,133,000 | $377,000 | $452,000 | $87,000 | $102,000 |
| Application Denied By Financial Institution | 2 | $842,000 | $421,000 | $544,000 | $65,000 | $83,000 |
| 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 | 2 | $842,000 | $421,000 | $544,000 | $65,000 | $83,000 |
| 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 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Home Approvals Direct, Inc.'s 2016 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 Home Approvals Direct, 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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