Imperial Lending, LLC Mortgage Lending & HMDA Data, 2006
In 2006, Imperial Lending, LLC of Castle Rock, CO reported 1,305 mortgage applications totaling $240.4 million. The average application was for $184,193, and applicants reported an average income of $82,354. 43% of its applications resulted in an originated loan and 25% were denied. Its largest markets were Philadelphia, PA (115), St. Louis, MO-IL (115) and Phoenix-Mesa-Scottsdale, AZ (88) (applications in parentheses).
| Mortgage Company & Address | Imperial Lending, LLC 4325 Trail Boss Drive Castle Rock, CO 80104 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 |
| Total Number of Mortgage Applications | 1,305 |
| Total Mortgage Loan Application Amount | $240,372,000 |
| Average Mortgage Loan Application Amount | $184,193 |
| Highest Mortgage Loan Application Amount | $1,810,000 |
| Average Applicant Income | $82,354 |
| Highest Applicant Income | $2,100,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Imperial Lending, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Philadelphia, PA | 115 | $ 19,482,000 | $ 169,408 | $ 74,000 |
| St. Louis, MO-IL | 115 | $ 12,871,000 | $ 111,921 | $ 52,000 |
| Phoenix-Mesa-Scottsdale, AZ | 88 | $ 17,157,000 | $ 194,965 | $ 78,000 |
| Tampa-St. Petersburg-Clearwater, FL | 79 | $ 12,023,000 | $ 152,189 | $ 62,000 |
| Orlando-Kissimmee, FL | 48 | $ 7,779,000 | $ 162,062 | $ 68,000 |
| Denver-Aurora, CO | 40 | $ 11,085,000 | $ 277,125 | $ 141,000 |
| Las Vegas-Paradise, NV | 40 | $ 8,517,000 | $ 212,925 | $ 74,000 |
| Seattle-Bellevue-Everett, WA | 33 | $ 8,109,000 | $ 245,727 | $ 88,000 |
| Houston-Sugar Land-Baytown, TX | 28 | $ 5,050,000 | $ 180,357 | $ 123,000 |
| Jacksonville, FL | 28 | $ 4,532,000 | $ 161,857 | $ 137,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 28 | $ 5,313,000 | $ 189,750 | $ 74,000 |
| Dallas-Plano-Irving, TX | 23 | $ 7,109,000 | $ 309,086 | $ 218,000 |
| Portland-Vancouver-Beaverton, OR-WA | 23 | $ 4,116,000 | $ 178,956 | $ 60,956 |
| Tucson, AZ | 19 | $ 3,020,000 | $ 158,947 | $ 69,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 18 | $ 3,676,000 | $ 204,222 | $ 94,000 |
| Los Angeles-Long Beach-Glendale, CA | 17 | $ 6,231,000 | $ 366,529 | $ 134,000 |
| Pittsburgh, PA | 17 | $ 3,711,000 | $ 218,294 | $ 110,000 |
| New Haven-Milford, CT | 16 | $ 2,450,000 | $ 153,125 | $ 61,000 |
| Riverside-San Bernardino-Ontario, CA | 16 | $ 4,127,000 | $ 257,937 | $ 83,000 |
| Tacoma, WA | 16 | $ 3,258,000 | $ 203,625 | $ 78,000 |
| Oklahoma City, OK | 15 | $ 1,953,000 | $ 130,200 | $ 60,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 14 | $ 2,214,000 | $ 158,142 | $ 70,000 |
| Kansas City, MO-KS | 14 | $ 1,414,000 | $ 101,000 | $ 50,000 |
| Palm Bay-Melbourne-Titusville, FL | 14 | $ 1,729,000 | $ 123,500 | $ 60,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 12 | $ 1,979,000 | $ 164,916 | $ 68,000 |
| Colorado Springs, CO | 11 | $ 1,527,000 | $ 138,818 | $ 58,000 |
| Miami-Miami Beach-Kendall, FL | 10 | $ 1,828,000 | $ 182,800 | $ 64,000 |
| Yuma, AZ | 10 | $ 1,453,000 | $ 145,300 | $ 57,000 |
| Bridgeport-Stamford-Norwalk, CT | 9 | $ 3,328,000 | $ 369,777 | $ 153,000 |
| Lakeland, FL | 9 | $ 1,065,000 | $ 118,333 | $ 52,000 |
| Boise City-Nampa, ID | 8 | $ 954,000 | $ 119,250 | $ 58,000 |
| Cape Coral-Fort Myers, FL | 8 | $ 2,304,000 | $ 288,000 | $ 103,000 |
| Oakland-Fremont-Hayward, CA | 8 | $ 2,886,000 | $ 360,750 | $ 150,000 |
| Pensacola-Ferry Pass-Brent, FL | 8 | $ 910,000 | $ 113,750 | $ 60,000 |
| Reno-Sparks, NV | 8 | $ 1,563,000 | $ 195,375 | $ 111,000 |
| Sarasota-Bradenton-Venice, FL | 8 | $ 1,264,000 | $ 158,000 | $ 65,000 |
| Coeur D'Alene, ID | 7 | $ 840,000 | $ 120,000 | $ 58,000 |
| Fort Worth-Arlington, TX | 7 | $ 2,471,000 | $ 353,000 | $ 194,000 |
| Hartford-West Hartford-East Hartford, CT | 7 | $ 1,056,000 | $ 150,857 | $ 83,000 |
| Port St. Lucie-Fort Pierce, FL | 7 | $ 1,159,000 | $ 165,571 | $ 73,000 |
| Salt Lake City, UT | 7 | $ 1,058,000 | $ 151,142 | $ 55,000 |
| San Antonio, TX | 7 | $ 2,218,000 | $ 316,857 | $ 129,000 |
| Albuquerque, NM | 6 | $ 723,000 | $ 120,500 | $ 45,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 6 | $ 1,219,000 | $ 203,166 | $ 67,000 |
| Austin-Round Rock, TX | 5 | $ 816,000 | $ 163,200 | $ 84,000 |
| Grand Junction, CO | 5 | $ 573,000 | $ 114,600 | $ 59,000 |
| Naples-Marco Island, FL | 5 | $ 1,800,000 | $ 360,000 | $ 177,000 |
| Omaha-Council Bluffs, NE-IA | 5 | $ 753,000 | $ 150,600 | $ 62,000 |
| Prescott, AZ | 5 | $ 1,409,000 | $ 281,800 | $ 145,000 |
| Beaumont-Port Arthur, TX | 4 | $ 541,000 | $ 135,250 | $ 64,000 |
| Bend, OR | 4 | $ 648,000 | $ 162,000 | $ 68,000 |
| Casper, WY | 4 | $ 455,000 | $ 113,750 | $ 66,000 |
| Cheyenne, WY | 4 | $ 424,000 | $ 106,000 | $ 52,000 |
| Gainesville, FL | 4 | $ 690,000 | $ 172,500 | $ 110,000 |
| Lancaster, PA | 4 | $ 475,000 | $ 118,750 | $ 47,000 |
| Ocala, FL | 4 | $ 1,985,000 | $ 496,250 | $ 164,000 |
| Springfield, MO | 4 | $ 450,000 | $ 112,500 | $ 69,000 |
| Tulsa, OK | 4 | $ 692,000 | $ 173,000 | $ 91,000 |
| Bakersfield, CA | 3 | $ 464,000 | $ 154,666 | $ 47,000 |
| Bremerton-Silverdale, WA | 3 | $ 582,000 | $ 194,000 | $ 95,000 |
| Carson City, NV | 3 | $ 847,000 | $ 282,333 | $ 75,000 |
| Evansville, IN-KY | 3 | $ 547,000 | $ 182,333 | $ 85,000 |
| Greeley, CO | 3 | $ 366,000 | $ 122,000 | $ 45,000 |
| Indianapolis-Carmel, IN | 3 | $ 333,000 | $ 111,000 | $ 53,000 |
| Medford, OR | 3 | $ 669,000 | $ 223,000 | $ 78,000 |
| Norwich-New London, CT | 3 | $ 600,000 | $ 200,000 | $ 105,000 |
| Pueblo, CO | 3 | $ 254,000 | $ 84,666 | $ 45,000 |
| Punta Gorda, FL | 3 | $ 420,000 | $ 140,000 | $ 80,000 |
| Reading, PA | 3 | $ 328,000 | $ 109,333 | $ 59,000 |
| Rockingham County-Strafford County, NH | 3 | $ 799,000 | $ 266,333 | $ 104,000 |
| San Francisco-San Mateo-Redwood City, CA | 3 | $ 1,653,000 | $ 551,000 | $ 237,000 |
| St. George, UT | 3 | $ 349,000 | $ 116,333 | $ 50,000 |
| St. Joseph, MO-KS | 3 | $ 456,000 | $ 152,000 | $ 60,000 |
| Tallahassee, FL | 3 | $ 290,000 | $ 96,666 | $ 55,000 |
| Visalia-Porterville, CA | 3 | $ 477,000 | $ 159,000 | $ 48,000 |
| Anchorage, AK | 2 | $ 478,000 | $ 239,000 | $ 83,000 |
| Boulder, CO | 2 | $ 245,000 | $ 122,500 | $ 69,000 |
| Corpus Christi, TX | 2 | $ 297,000 | $ 148,500 | $ 74,000 |
| Eugene-Springfield, OR | 2 | $ 322,000 | $ 161,000 | $ 84,000 |
| McAllen-Edinburg-Mission, TX | 2 | $ 133,000 | $ 66,500 | $ 75,000 |
| Ogden-Clearfield, UT | 2 | $ 699,000 | $ 349,500 | $ 172,000 |
| Olympia, WA | 2 | $ 366,000 | $ 183,000 | $ 66,000 |
| San Diego-Carlsbad-San Marcos, CA | 2 | $ 1,081,000 | $ 540,500 | $ 198,000 |
| Santa Barbara-Santa Maria, CA | 2 | $ 747,000 | $ 373,500 | $ 109,000 |
| Scranton--Wilkes-Barre, PA | 2 | $ 300,000 | $ 150,000 | $ 72,000 |
| Spokane, WA | 2 | $ 553,000 | $ 276,500 | $ 83,000 |
| Terre Haute, IN | 2 | $ 254,000 | $ 127,000 | $ 65,000 |
| Tyler, TX | 2 | $ 690,000 | $ 345,000 | $ 354,000 |
| Yakima, WA | 2 | $ 146,000 | $ 73,000 | $ 86,000 |
| York-Hanover, PA | 2 | $ 217,000 | $ 108,500 | $ 59,000 |
| Bellingham, WA | 1 | $ 218,000 | $ 218,000 | $ 72,000 |
| Bloomington, IN | 1 | $ 120,000 | $ 120,000 | $ 58,000 |
| Brownsville-Harlingen, TX | 1 | $ 66,000 | $ 66,000 | $ 48,000 |
| Chico, CA | 1 | $ 185,000 | $ 185,000 | $ 72,000 |
| College Station-Bryan, TX | 1 | $ 150,000 | $ 150,000 | $ 54,000 |
| Des Moines-West Des Moines, IA | 1 | $ 95,000 | $ 95,000 | $ 34,000 |
| Dover, DE | 1 | $ 131,000 | $ 131,000 | $ 71,000 |
| Fort Collins-Loveland, CO | 1 | $ 123,000 | $ 123,000 | $ 58,000 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 129,000 | $ 129,000 | $ 39,000 |
| Fort Wayne, IN | 1 | $ 270,000 | $ 270,000 | $ 99,000 |
| Fresno, CA | 1 | $ 150,000 | $ 150,000 | $ 89,000 |
| Gary, IN | 1 | $ 203,000 | $ 203,000 | $ 126,000 |
| Harrisburg-Carlisle, PA | 1 | $ 127,000 | $ 127,000 | $ 42,000 |
| Johnstown, PA | 1 | $ 105,000 | $ 105,000 | $ 44,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 100,000 | $ 100,000 | $ 35,000 |
| Lewiston, ID-WA | 1 | $ 277,000 | $ 277,000 | $ 118,000 |
| Lincoln, NE | 1 | $ 86,000 | $ 86,000 | $ 58,000 |
| Logan, UT-ID | 1 | $ 98,000 | $ 98,000 | $ 60,000 |
| Longview, WA | 1 | $ 400,000 | $ 400,000 | $ 182,000 |
| Louisville-Jefferson County, KY-IN | 1 | $ 144,000 | $ 144,000 | $ 60,000 |
| Madera, CA | 1 | $ 153,000 | $ 153,000 | $ 51,000 |
| Manchester-Nashua, NH | 1 | $ 150,000 | $ 150,000 | $ 45,000 |
| Merced, CA | 1 | $ 165,000 | $ 165,000 | $ 52,000 |
| Modesto, CA | 1 | $ 235,000 | $ 235,000 | $ 59,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 225,000 | $ 225,000 | $ 107,000 |
| Newark-Union, NJ-PA | 1 | $ 355,000 | $ 355,000 | $ 180,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 494,000 | $ 494,000 | $ 146,000 |
| Redding, CA | 1 | $ 280,000 | $ 280,000 | $ 288,000 |
| San Angelo, TX | 1 | $ 75,000 | $ 75,000 | $ 48,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 326,000 | $ 326,000 | $ 93,000 |
| Santa Ana-Anaheim-Irvine, CA | 1 | $ 319,000 | $ 319,000 | $ 96,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 484,000 | $ 484,000 | $ 119,000 |
| Sebastian-Vero Beach, FL | 1 | $ 85,000 | $ 85,000 | $ 24,000 |
| Sherman-Denison, TX | 1 | $ 80,000 | $ 80,000 | $ 72,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 126,000 | $ 126,000 | $ 38,000 |
| State College, PA | 1 | $ 105,000 | $ 105,000 | $ 49,000 |
| Stockton, CA | 1 | $ 211,000 | $ 211,000 | $ 102,000 |
| Victoria, TX | 1 | $ 133,000 | $ 133,000 | $ 78,000 |
| Waco, TX | 1 | $ 175,000 | $ 175,000 | $ 132,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 230,000 | $ 230,000 | $ 72,000 |
Mortgage Loan Application Detail Totals for Imperial Lending, LLC 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 |
|---|---|---|---|---|---|---|
| Refinancing | 1,169 | $216,687,000 | $185,000 | $1,810,000 | $81,000 | $2,100,000 |
| Home Purchase | 136 | $23,685,000 | $174,000 | $1,476,000 | $94,000 | $1,593,000 |
| 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 | 580 | $113,424,000 | $195,000 | $1,810,000 | $90,000 | $2,100,000 |
| Not Provided | 315 | $61,175,000 | $194,000 | $1,476,000 | $88,000 | $1,593,000 |
| Black or African American | 245 | $39,067,000 | $159,000 | $1,362,000 | $67,000 | $420,000 |
| Hispanic | 146 | $22,105,000 | $151,000 | $648,000 | $65,000 | $246,000 |
| Asian | 12 | $3,424,000 | $285,000 | $1,070,000 | $147,000 | $630,000 |
| American Indian or Alaskan Native | 5 | $758,000 | $151,000 | $413,000 | $47,000 | $95,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $419,000 | $209,000 | $326,000 | $65,000 | $93,000 |
| 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) | 1,305 | $240,372,000 | $184,000 | $1,810,000 | $83,000 | $2,100,000 |
| 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 | 565 | $91,720,000 | $162,000 | $975,000 | $68,000 | $534,000 |
| Application Denied By Financial Institution | 320 | $64,613,000 | $201,000 | $1,417,000 | $94,000 | $756,000 |
| Application Withdrawn By Applicant | 208 | $40,353,000 | $194,000 | $1,340,000 | $91,000 | $1,593,000 |
| Application Approved But Not Accepted | 172 | $35,788,000 | $208,000 | $1,810,000 | $100,000 | $2,100,000 |
| File Closed For Incompleteness | 40 | $7,898,000 | $197,000 | $1,300,000 | $76,000 | $420,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 88 | $18,488,000 | $210,000 | $840,000 | $85,000 | $312,000 |
| Credit History | 23 | $5,366,000 | $233,000 | $553,000 | $108,000 | $399,000 |
| Other | 20 | $3,749,000 | $187,000 | $623,000 | $74,000 | $279,000 |
| Debt-To-Income Ratio | 19 | $3,313,000 | $174,000 | $364,000 | $76,000 | $246,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 17 | $3,230,000 | $190,000 | $553,000 | $106,000 | $312,000 |
| Unverifiable Information | 1 | $144,000 | $144,000 | $144,000 | $71,000 | $71,000 |
| Employment History | 1 | $130,000 | $130,000 | $130,000 | $51,000 | $51,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Imperial Lending, LLC'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 Imperial Lending, LLC'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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