International Invest&Fin, Inc. Mortgage Lending & HMDA Data, 2004
In 2004, International Invest&Fin, Inc. of Monterey Park, CA reported 1,903 mortgage applications totaling $482.1 million. The average application was for $253,334, and applicants reported an average income of $126,985. 65% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (1,426), Riverside-San Bernardino-Ontario, CA (276) and Santa Ana-Anaheim-Irvine, CA (126) (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 | 1,903 |
| Total Mortgage Loan Application Amount | $482,095,000 |
| Average Mortgage Loan Application Amount | $253,334 |
| Highest Mortgage Loan Application Amount | $1,750,000 |
| Average Applicant Income | $126,985 |
| Highest Applicant Income | $4,200,000 |
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records International Invest&Fin, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 1,426 | $ 366,735,000 | $ 257,177 | $ 99,000 |
| Riverside-San Bernardino-Ontario, CA | 276 | $ 54,377,000 | $ 197,018 | $ 97,000 |
| Santa Ana-Anaheim-Irvine, CA | 126 | $ 38,647,000 | $ 306,722 | $ 260,000 |
| San Diego-Carlsbad-San Marcos, CA | 19 | $ 5,094,000 | $ 268,105 | $ 71,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 13 | $ 4,421,000 | $ 340,076 | $ 106,000 |
| Bakersfield, CA | 12 | $ 1,037,000 | $ 86,416 | $ 58,000 |
| San Francisco-San Mateo-Redwood City, CA | 6 | $ 2,370,000 | $ 395,000 | $ 164,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 5 | $ 2,414,000 | $ 482,800 | $ 166,000 |
| Oakland-Fremont-Hayward, CA | 4 | $ 1,615,000 | $ 403,750 | $ 110,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 4 | $ 550,000 | $ 137,500 | $ 40,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 3 | $ 2,703,000 | $ 901,000 | $ 252,000 |
| San Luis Obispo-Paso Robles, CA | 2 | $ 499,000 | $ 249,500 | $ 150,000 |
| Edison, NJ | 1 | $ 240,000 | $ 240,000 | $ 70,000 |
| Las Vegas-Paradise, NV | 1 | $ 50,000 | $ 50,000 | $ 125,000 |
| Salinas, CA | 1 | $ 585,000 | $ 585,000 | $ 182,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 161,000 | $ 161,000 | $ 32,000 |
| Stockton, CA | 1 | $ 179,000 | $ 179,000 | $ 140,000 |
Mortgage Loan Application Detail Totals for International Invest&Fin, Inc. 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 | 1,228 | $316,906,000 | $182,666 | $1,750,000 | $110,666 | $4,200,000 |
| Home Purchase | 673 | $164,109,000 | $225,500 | $1,500,000 | $102,500 | $1,114,000 |
| Home Improvement | 2 | $1,080,000 | $540,000 | $725,000 | $76,000 | $120,000 |
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 |
|---|---|---|---|---|---|---|
| Hispanic | 575 | $125,053,000 | $217,000 | $982,000 | $84,000 | $402,000 |
| Asian | 505 | $143,840,000 | $284,000 | $1,400,000 | $102,000 | $510,000 |
| White | 421 | $118,763,000 | $245,000 | $1,750,000 | $110,500 | $1,860,000 |
| Black or African American | 188 | $43,740,000 | $232,000 | $910,000 | $291,000 | $4,200,000 |
| Not Provided | 153 | $37,014,000 | $177,666 | $770,000 | $95,333 | $1,114,000 |
| American Indian or Alaskan Native | 48 | $9,575,000 | $199,000 | $440,000 | $100,000 | $312,000 |
| Not applicable | 11 | $3,570,000 | $324,000 | $595,000 | $132,000 | $251,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $540,000 | $270,000 | $300,000 | $101,000 | $116,000 |
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) | 1,888 | $478,907,000 | $187,750 | $1,750,000 | $104,750 | $4,200,000 |
| FHA-insured (Federal Housing Administration) | 14 | $3,035,000 | $216,000 | $325,000 | $79,000 | $187,000 |
| VA-guaranteed (Veterans Administration) | 1 | $153,000 | $153,000 | $153,000 | $125,000 | $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 |
|---|---|---|---|---|---|---|
| Loan Originated | 1,234 | $316,919,000 | $171,666 | $1,750,000 | $106,333 | $1,860,000 |
| Application Withdrawn By Applicant | 424 | $106,702,000 | $245,500 | $1,500,000 | $126,000 | $4,200,000 |
| Application Approved But Not Accepted | 245 | $58,474,000 | $238,000 | $1,500,000 | $97,000 | $629,000 |
| Application Denied By Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 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 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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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