International Invest&Fin, Inc. Mortgage Lending & HMDA Data, 2005
In 2005, International Invest&Fin, Inc. of Monterey Park, CA reported 1,142 mortgage applications totaling $343.5 million, down 40% from 2004. The average application was for $300,772, and applicants reported an average income of $120,642. 100% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (806), Riverside-San Bernardino-Ontario, CA (157) and Santa Ana-Anaheim-Irvine, CA (81) (applications in parentheses).
| Mortgage Company & Address | International Invest&Fin, Inc. 1455 Monterey Pass Road #201 Monterey Park, CA 91754 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 2004 |
| Total Number of Mortgage Applications | 1,142 |
| Total Mortgage Loan Application Amount | $343,482,000 |
| Average Mortgage Loan Application Amount | $300,772 |
| Highest Mortgage Loan Application Amount | $1,518,000 |
| Average Applicant Income | $120,642 |
| Highest Applicant Income | $2,720,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records International Invest&Fin, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for International Invest&Fin, 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 |
|---|---|---|---|---|---|---|
| Refinancing | 767 | $243,719,000 | $219,000 | $1,518,000 | $95,500 | $2,720,000 |
| Home Purchase | 375 | $99,763,000 | $344,666 | $1,000,000 | $119,000 | $1,159,000 |
| 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 |
|---|---|---|---|---|---|---|
| Asian | 382 | $138,261,000 | $266,000 | $1,370,000 | $150,000 | $2,720,000 |
| White | 362 | $90,152,000 | $212,000 | $1,000,000 | $121,000 | $2,678,000 |
| Hispanic | 241 | $66,154,000 | $274,000 | $1,000,000 | $79,000 | $444,000 |
| Black or African American | 91 | $26,017,000 | $285,000 | $778,000 | $92,000 | $332,000 |
| Not Provided | 59 | $20,457,000 | $606,000 | $1,518,000 | $75,500 | $1,216,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $1,941,000 | $323,000 | $623,000 | $115,000 | $191,000 |
| American Indian or Alaskan Native | 1 | $500,000 | $500,000 | $500,000 | $175,000 | $175,000 |
| 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) | 1,141 | $343,169,000 | $347,333 | $1,518,000 | $100,666 | $2,720,000 |
| FHA-insured (Federal Housing Administration) | 1 | $313,000 | $313,000 | $313,000 | $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 | 1,138 | $342,196,000 | $347,333 | $1,518,000 | $100,666 | $2,720,000 |
| Application Approved But Not Accepted | 3 | $966,000 | $322,000 | $338,000 | $92,000 | $152,000 |
| Application Withdrawn By Applicant | 1 | $320,000 | $320,000 | $320,000 | $56,000 | $56,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Denied By Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into International Invest&Fin, 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 International Invest&Fin, 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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