Indymac Bank, F.S.B. Mortgage Lending & HMDA Data, 2004
In 2004, Indymac Bank, F.S.B. of Pasadena, CA reported 194,036 mortgage applications totaling $47.1 billion, up 12% from 2003. The average application was for $242,607, and applicants reported an average income of $82,744. 50% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (19,282), Riverside-San Bernardino-Ontario, CA (9,539) and New York-Wayne-White Plains, NY-NJ (6,097) (applications in parentheses).
| Mortgage Company & Address | Indymac Bank, F.S.B. 888 East Walnut St Pasadena, CA 91101 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2009 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 194,036 |
| Total Mortgage Loan Application Amount | $47,074,560,000 |
| Average Mortgage Loan Application Amount | $242,607 |
| Highest Mortgage Loan Application Amount | $5,070,000 |
| Average Applicant Income | $82,744 |
| Highest Applicant Income | $9,999,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Indymac Bank, F.S.B. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Indymac Bank, F.S.B. in 2004
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 | 98,964 | $23,179,954,000 | $178,442 | $5,070,000 | $67,192 | $7,150,000 |
| Home Purchase | 81,574 | $20,716,565,000 | $190,807 | $4,550,000 | $75,057 | $9,999,000 |
| Home Improvement | 13,498 | $3,178,041,000 | $154,692 | $3,800,000 | $68,846 | $3,731,000 |
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 |
|---|---|---|---|---|---|---|
| White | 77,887 | $19,912,116,000 | $194,673 | $5,070,000 | $86,096 | $9,999,000 |
| Not Provided | 37,921 | $8,914,160,000 | $174,076 | $3,850,000 | $77,711 | $9,999,000 |
| Not applicable | 36,634 | $8,604,948,000 | $178,403 | $2,000,000 | $18,461 | $4,200,000 |
| Hispanic | 20,166 | $4,565,032,000 | $166,294 | $2,870,000 | $66,490 | $5,333,000 |
| Black or African American | 10,605 | $2,026,821,000 | $161,375 | $3,633,000 | $78,979 | $7,445,000 |
| Asian | 9,350 | $2,661,057,000 | $193,297 | $3,000,000 | $88,723 | $4,800,000 |
| Native Hawaiian or Other Pacific Islander | 951 | $266,413,000 | $213,527 | $2,291,000 | $87,888 | $814,000 |
| American Indian or Alaskan Native | 522 | $124,013,000 | $193,302 | $1,980,000 | $83,813 | $1,620,000 |
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) | 193,919 | $47,060,666,000 | $181,769 | $5,070,000 | $69,980 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 114 | $13,301,000 | $112,852 | $302,000 | $55,058 | $200,000 |
| VA-guaranteed (Veterans Administration) | 3 | $593,000 | $197,666 | $333,000 | $0 | $0 |
| 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 | 97,194 | $23,688,820,000 | $181,153 | $3,975,000 | $77,365 | $9,999,000 |
| Application Denied By Financial Institution | 43,323 | $10,612,782,000 | $184,384 | $5,070,000 | $81,384 | $5,500,000 |
| Loan Purchased By The Institution | 33,686 | $8,026,022,000 | $182,078 | $1,909,000 | $0 | $0 |
| Application Approved But Not Accepted | 15,061 | $3,607,756,000 | $176,865 | $4,000,000 | $82,153 | $6,909,000 |
| Preapproval Approved but not Accepted | 1,490 | $365,325,000 | $245,000 | $1,750,000 | $102,000 | $7,445,000 |
| File Closed For Incompleteness | 1,415 | $268,526,000 | $159,196 | $1,786,000 | $71,607 | $1,200,000 |
| Preapproval Denied by Financial Institution | 959 | $244,105,000 | $254,000 | $1,478,000 | $95,000 | $1,284,000 |
| Application Withdrawn By Applicant | 908 | $261,224,000 | $219,000 | $3,000,000 | $106,081 | $6,933,000 |
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 Application Incomplete | 18,035 | $4,252,613,000 | $174,519 | $5,000,000 | $78,961 | $5,500,000 |
| Collateral | 9,154 | $2,248,181,000 | $193,019 | $3,000,000 | $86,788 | $2,985,000 |
| Credit History | 5,193 | $1,192,782,000 | $177,961 | $3,000,000 | $74,057 | $1,946,000 |
| Debt-To-Income Ratio | 3,885 | $1,017,494,000 | $201,519 | $5,070,000 | $76,846 | $1,363,000 |
| Other | 3,769 | $977,172,000 | $193,961 | $2,860,000 | $89,461 | $4,800,000 |
| Unverifiable Information | 2,056 | $521,378,000 | $191,880 | $2,000,000 | $84,960 | $1,118,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1,743 | $557,238,000 | $237,705 | $4,148,000 | $97,039 | $1,500,000 |
| Employment History | 445 | $89,644,000 | $167,069 | $1,281,000 | $69,139 | $485,000 |
| Mortgage Insurance Denied | 2 | $385,000 | $192,500 | $214,000 | $80,000 | $96,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Indymac Bank, F.S.B.'s 2004 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 Indymac Bank, F.S.B.'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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