Master Financial, Inc. Mortgage Lending & HMDA Data, 2006
In 2006, Master Financial, Inc. of Orange, CA reported 15,239 mortgage applications totaling $3.8 billion, up 92% from 2005. The average application was for $250,046, and applicants reported an average income of $111,552. 44% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (2,413), Riverside-San Bernardino-Ontario, CA (2,215) and Miami-Miami Beach-Kendall, FL (1,439) (applications in parentheses).
| Mortgage Company & Address | Master Financial, Inc. 505 City Parkway West Suite 800 Orange, CA 92868 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 15,239 |
| Total Mortgage Loan Application Amount | $3,810,451,000 |
| Average Mortgage Loan Application Amount | $250,046 |
| Highest Mortgage Loan Application Amount | $1,140,000 |
| Average Applicant Income | $111,552 |
| Highest Applicant Income | $1,425,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Master Financial, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,413 | $ 823,640,000 | $ 341,334 | $ 134,000 |
| Riverside-San Bernardino-Ontario, CA | 2,215 | $ 611,137,000 | $ 275,908 | $ 116,000 |
| Miami-Miami Beach-Kendall, FL | 1,439 | $ 307,262,000 | $ 213,524 | $ 112,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 765 | $ 165,583,000 | $ 216,448 | $ 110,000 |
| Santa Ana-Anaheim-Irvine, CA | 743 | $ 283,484,000 | $ 381,539 | $ 165,000 |
| Tampa-St. Petersburg-Clearwater, FL | 580 | $ 92,309,000 | $ 159,153 | $ 81,000 |
| Las Vegas-Paradise, NV | 447 | $ 104,984,000 | $ 234,863 | $ 113,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 383 | $ 80,424,000 | $ 209,984 | $ 107,000 |
| Orlando-Kissimmee, FL | 355 | $ 70,225,000 | $ 197,816 | $ 103,000 |
| San Diego-Carlsbad-San Marcos, CA | 301 | $ 105,877,000 | $ 351,750 | $ 140,000 |
| Jacksonville, FL | 300 | $ 42,172,000 | $ 140,573 | $ 73,000 |
| Cape Coral-Fort Myers, FL | 257 | $ 48,714,000 | $ 189,548 | $ 96,000 |
| Bakersfield, CA | 222 | $ 43,545,000 | $ 196,148 | $ 88,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 210 | $ 33,764,000 | $ 160,780 | $ 74,000 |
| Phoenix-Mesa-Scottsdale, AZ | 179 | $ 37,737,000 | $ 210,821 | $ 95,000 |
| Oakland-Fremont-Hayward, CA | 177 | $ 69,334,000 | $ 391,717 | $ 156,000 |
| Denver-Aurora, CO | 150 | $ 24,035,000 | $ 160,233 | $ 88,000 |
| St. Louis, MO-IL | 145 | $ 17,833,000 | $ 122,986 | $ 79,193 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 140 | $ 46,663,000 | $ 333,307 | $ 124,028 |
| Detroit-Livonia-Dearborn, MI | 135 | $ 14,239,000 | $ 105,474 | $ 65,000 |
| Chicago-Naperville-Joliet, IL | 122 | $ 27,891,000 | $ 228,614 | $ 106,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 115 | $ 35,444,000 | $ 308,208 | $ 125,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 114 | $ 45,462,000 | $ 398,789 | $ 146,000 |
| Baltimore-Towson, MD | 113 | $ 25,587,000 | $ 226,433 | $ 86,000 |
| Stockton, CA | 110 | $ 32,721,000 | $ 297,463 | $ 124,000 |
| Port St. Lucie-Fort Pierce, FL | 109 | $ 20,123,000 | $ 184,614 | $ 95,000 |
| Kansas City, MO-KS | 100 | $ 11,421,000 | $ 114,210 | $ 82,460 |
| Visalia-Porterville, CA | 98 | $ 16,434,000 | $ 167,693 | $ 80,000 |
| Fresno, CA | 92 | $ 19,262,000 | $ 209,369 | $ 99,000 |
| Lakeland, FL | 86 | $ 13,240,000 | $ 153,953 | $ 78,000 |
| Houston-Sugar Land-Baytown, TX | 82 | $ 12,433,000 | $ 151,621 | $ 108,000 |
| Cleveland-Elyria-Mentor, OH | 81 | $ 11,433,000 | $ 141,148 | $ 87,000 |
| Naples-Marco Island, FL | 74 | $ 17,203,000 | $ 232,472 | $ 125,000 |
| Portland-Vancouver-Beaverton, OR-WA | 56 | $ 13,123,000 | $ 234,339 | $ 88,803 |
| Sarasota-Bradenton-Venice, FL | 56 | $ 12,652,000 | $ 225,928 | $ 109,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 53 | $ 10,040,000 | $ 189,433 | $ 86,000 |
| Seattle-Bellevue-Everett, WA | 53 | $ 14,424,000 | $ 272,150 | $ 93,000 |
| Hartford-West Hartford-East Hartford, CT | 52 | $ 10,480,000 | $ 201,538 | $ 104,000 |
| Columbus, OH | 49 | $ 7,579,000 | $ 154,673 | $ 84,000 |
| Dallas-Plano-Irving, TX | 48 | $ 9,168,000 | $ 191,000 | $ 121,000 |
| Modesto, CA | 48 | $ 13,315,000 | $ 277,395 | $ 96,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 47 | $ 22,113,000 | $ 470,489 | $ 147,000 |
| Richmond, VA | 45 | $ 7,870,000 | $ 174,888 | $ 63,000 |
| Warren-Troy-Farmington Hills, MI | 43 | $ 7,180,000 | $ 166,976 | $ 84,000 |
| Salinas, CA | 39 | $ 13,748,000 | $ 352,512 | $ 146,000 |
| El Paso, TX | 36 | $ 4,081,000 | $ 113,361 | $ 77,000 |
| Ocala, FL | 36 | $ 4,800,000 | $ 133,333 | $ 73,000 |
| Vallejo-Fairfield, CA | 35 | $ 11,123,000 | $ 317,800 | $ 110,000 |
| Tucson, AZ | 31 | $ 6,587,000 | $ 212,483 | $ 103,000 |
| New Haven-Milford, CT | 30 | $ 6,184,000 | $ 206,133 | $ 92,000 |
| Cincinnati-Middletown, OH-KY-IN | 29 | $ 3,948,000 | $ 136,137 | $ 75,000 |
| Bridgeport-Stamford-Norwalk, CT | 28 | $ 9,439,000 | $ 337,107 | $ 111,000 |
| Merced, CA | 28 | $ 7,818,000 | $ 279,214 | $ 127,000 |
| Santa Barbara-Santa Maria, CA | 28 | $ 10,436,000 | $ 372,714 | $ 112,000 |
| Punta Gorda, FL | 27 | $ 5,332,000 | $ 197,481 | $ 84,000 |
| San Francisco-San Mateo-Redwood City, CA | 27 | $ 15,180,000 | $ 562,222 | $ 154,000 |
| Greeley, CO | 26 | $ 5,919,000 | $ 227,653 | $ 88,000 |
| Bethesda-Gaithersburg-Frederick, MD | 25 | $ 7,700,000 | $ 308,000 | $ 109,000 |
| Palm Bay-Melbourne-Titusville, FL | 25 | $ 3,694,000 | $ 147,760 | $ 72,000 |
| Akron, OH | 24 | $ 4,107,000 | $ 171,125 | $ 81,000 |
| El Centro, CA | 24 | $ 5,229,000 | $ 217,875 | $ 69,000 |
| Colorado Springs, CO | 23 | $ 4,562,000 | $ 198,347 | $ 133,000 |
| Charlottesville, VA | 22 | $ 2,963,000 | $ 134,681 | $ 68,000 |
| Des Moines-West Des Moines, IA | 22 | $ 1,911,000 | $ 86,863 | $ 50,000 |
| Tallahassee, FL | 22 | $ 2,715,000 | $ 123,409 | $ 73,000 |
| Madera, CA | 21 | $ 5,942,000 | $ 282,952 | $ 104,000 |
| Pensacola-Ferry Pass-Brent, FL | 21 | $ 2,804,000 | $ 133,523 | $ 134,000 |
| Tacoma, WA | 19 | $ 3,425,000 | $ 180,263 | $ 65,000 |
| Lake County-Kenosha County, IL-WI | 18 | $ 3,383,000 | $ 187,944 | $ 86,000 |
| Bremerton-Silverdale, WA | 17 | $ 3,443,000 | $ 202,529 | $ 76,000 |
| Santa Rosa-Petaluma, CA | 17 | $ 6,519,000 | $ 383,470 | $ 164,000 |
| Indianapolis-Carmel, IN | 16 | $ 2,937,000 | $ 183,562 | $ 86,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 16 | $ 3,921,000 | $ 245,062 | $ 85,000 |
| Spokane, WA | 16 | $ 1,945,000 | $ 121,562 | $ 64,000 |
| Dayton, OH | 15 | $ 1,622,000 | $ 108,133 | $ 97,000 |
| Gainesville, FL | 15 | $ 2,987,000 | $ 199,133 | $ 82,000 |
| Flint, MI | 14 | $ 1,861,000 | $ 132,928 | $ 74,000 |
| Hanford-Corcoran, CA | 14 | $ 2,665,000 | $ 190,357 | $ 71,000 |
| Reno-Sparks, NV | 14 | $ 3,080,000 | $ 220,000 | $ 81,000 |
| San Antonio, TX | 14 | $ 1,606,000 | $ 114,714 | $ 101,000 |
| Fort Worth-Arlington, TX | 13 | $ 2,232,000 | $ 171,692 | $ 92,000 |
| Lansing-East Lansing, MI | 13 | $ 1,484,000 | $ 114,153 | $ 55,000 |
| Omaha-Council Bluffs, NE-IA | 13 | $ 1,377,000 | $ 105,923 | $ 71,384 |
| Prescott, AZ | 13 | $ 3,734,000 | $ 287,230 | $ 100,000 |
| Jefferson City, MO | 12 | $ 1,123,000 | $ 93,583 | $ 51,000 |
| Oklahoma City, OK | 12 | $ 1,209,000 | $ 100,750 | $ 68,000 |
| Pueblo, CO | 12 | $ 766,000 | $ 63,833 | $ 56,000 |
| Santa Cruz-Watsonville, CA | 12 | $ 4,742,000 | $ 395,166 | $ 158,000 |
| South Bend-Mishawaka, IN-MI | 12 | $ 1,250,000 | $ 104,166 | $ 57,000 |
| Youngstown-Warren-Boardman, OH-PA | 12 | $ 1,273,000 | $ 106,083 | $ 52,000 |
| Chico, CA | 11 | $ 2,238,000 | $ 203,454 | $ 176,000 |
| Springfield, MO | 11 | $ 2,797,000 | $ 254,272 | $ 113,000 |
| Boise City-Nampa, ID | 10 | $ 1,499,000 | $ 149,900 | $ 60,000 |
| Corpus Christi, TX | 10 | $ 1,345,000 | $ 134,500 | $ 107,000 |
| Grand Rapids-Wyoming, MI | 9 | $ 1,272,000 | $ 141,333 | $ 54,000 |
| Jackson, MI | 9 | $ 806,000 | $ 89,555 | $ 50,000 |
| Redding, CA | 9 | $ 2,351,000 | $ 261,222 | $ 62,000 |
| San Luis Obispo-Paso Robles, CA | 9 | $ 2,697,000 | $ 299,666 | $ 193,000 |
| Yuba City, CA | 9 | $ 2,386,000 | $ 265,111 | $ 78,000 |
| Kalamazoo-Portage, MI | 8 | $ 1,013,000 | $ 126,625 | $ 66,000 |
| Memphis, TN-MS-AR | 8 | $ 868,000 | $ 108,500 | $ 48,000 |
| Norwich-New London, CT | 8 | $ 2,212,000 | $ 276,500 | $ 103,000 |
| Tulsa, OK | 8 | $ 835,000 | $ 104,375 | $ 68,000 |
| Yuma, AZ | 8 | $ 1,445,000 | $ 180,625 | $ 77,000 |
| Beaumont-Port Arthur, TX | 7 | $ 1,039,000 | $ 148,428 | $ 52,000 |
| Coeur D'Alene, ID | 7 | $ 1,405,000 | $ 200,714 | $ 134,000 |
| Gary, IN | 7 | $ 1,258,000 | $ 179,714 | $ 60,000 |
| Salem, OR | 7 | $ 1,424,000 | $ 203,428 | $ 94,000 |
| Salt Lake City, UT | 7 | $ 1,327,000 | $ 189,571 | $ 105,000 |
| Wilmington, DE-MD-NJ | 7 | $ 1,998,000 | $ 285,428 | $ 111,000 |
| Anchorage, AK | 6 | $ 1,202,000 | $ 200,333 | $ 83,000 |
| Bellingham, WA | 6 | $ 1,783,000 | $ 297,166 | $ 160,000 |
| Columbia, MO | 6 | $ 596,000 | $ 99,333 | $ 48,000 |
| Eugene-Springfield, OR | 6 | $ 1,185,000 | $ 197,500 | $ 58,000 |
| Honolulu, HI | 6 | $ 3,450,000 | $ 575,000 | $ 134,000 |
| Louisville-Jefferson County, KY-IN | 6 | $ 730,000 | $ 121,666 | $ 69,500 |
| Medford, OR | 6 | $ 1,118,000 | $ 186,333 | $ 133,000 |
| Panama City-Lynn Haven, FL | 6 | $ 1,171,000 | $ 195,166 | $ 135,000 |
| Ann Arbor, MI | 5 | $ 1,136,000 | $ 227,200 | $ 81,000 |
| Battle Creek, MI | 5 | $ 416,000 | $ 83,200 | $ 68,000 |
| Olympia, WA | 5 | $ 998,000 | $ 199,600 | $ 97,000 |
| Toledo, OH | 5 | $ 822,000 | $ 164,400 | $ 81,000 |
| Bend, OR | 4 | $ 1,404,000 | $ 351,000 | $ 128,000 |
| Billings, MT | 4 | $ 358,000 | $ 89,500 | $ 46,000 |
| Canton-Massillon, OH | 4 | $ 437,000 | $ 109,250 | $ 48,000 |
| Flagstaff, AZ | 4 | $ 799,000 | $ 199,750 | $ 78,000 |
| Lewiston, ID-WA | 4 | $ 509,000 | $ 127,250 | $ 48,500 |
| Napa, CA | 4 | $ 2,055,000 | $ 513,750 | $ 195,000 |
| Provo-Orem, UT | 4 | $ 1,208,000 | $ 302,000 | $ 105,000 |
| Rockford, IL | 4 | $ 281,000 | $ 70,250 | $ 77,000 |
| Austin-Round Rock, TX | 3 | $ 249,000 | $ 83,000 | $ 187,000 |
| Boulder, CO | 3 | $ 1,205,000 | $ 401,666 | $ 157,000 |
| Brownsville-Harlingen, TX | 3 | $ 320,000 | $ 106,666 | $ 41,000 |
| Champaign-Urbana, IL | 3 | $ 256,000 | $ 85,333 | $ 63,000 |
| Cheyenne, WY | 3 | $ 328,000 | $ 109,333 | $ 76,000 |
| Fort Walton Beach-Crestview-Destin, FL | 3 | $ 883,000 | $ 294,333 | $ 90,000 |
| Grand Junction, CO | 3 | $ 583,000 | $ 194,333 | $ 75,000 |
| Huntington-Ashland, WV-KY-OH | 3 | $ 372,000 | $ 124,000 | $ 119,000 |
| Joplin, MO | 3 | $ 194,000 | $ 64,666 | $ 54,000 |
| Ogden-Clearfield, UT | 3 | $ 884,000 | $ 294,666 | $ 107,000 |
| Roanoke, VA | 3 | $ 314,000 | $ 104,666 | $ 45,000 |
| Winchester, VA-WV | 3 | $ 542,000 | $ 180,666 | $ 60,000 |
| Yakima, WA | 3 | $ 380,000 | $ 126,666 | $ 41,000 |
| Anderson, IN | 2 | $ 107,000 | $ 53,500 | $ 63,000 |
| Atlanta-Sandy Springs-Marietta, GA | 2 | $ 313,000 | $ 156,500 | $ 51,000 |
| Bloomington, IN | 2 | $ 229,000 | $ 114,500 | $ 52,000 |
| Cedar Rapids, IA | 2 | $ 126,000 | $ 63,000 | $ 48,000 |
| Corvallis, OR | 2 | $ 457,000 | $ 228,500 | $ 73,000 |
| Davenport-Moline-Rock Island, IA-IL | 2 | $ 176,000 | $ 88,000 | $ 33,500 |
| Duluth, MN-WI | 2 | $ 525,000 | $ 262,500 | $ 96,000 |
| Elkhart-Goshen, IN | 2 | $ 396,000 | $ 198,000 | $ 83,000 |
| Evansville, IN-KY | 2 | $ 146,000 | $ 73,000 | $ 92,000 |
| Fort Collins-Loveland, CO | 2 | $ 331,000 | $ 165,500 | $ 73,000 |
| Fort Wayne, IN | 2 | $ 238,000 | $ 119,000 | $ 39,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 484,000 | $ 242,000 | $ 62,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 382,000 | $ 191,000 | $ 55,000 |
| Longview, WA | 2 | $ 165,000 | $ 82,500 | $ 187,000 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 234,000 | $ 117,000 | $ 28,000 |
| Missoula, MT | 2 | $ 480,000 | $ 240,000 | $ 163,000 |
| Monroe, MI | 2 | $ 185,000 | $ 92,500 | $ 61,000 |
| Nashville-Davidson--Murfreesboro, TN | 2 | $ 467,000 | $ 233,500 | $ 62,000 |
| Niles-Benton Harbor, MI | 2 | $ 377,000 | $ 188,500 | $ 75,000 |
| Rochester, MN | 2 | $ 104,000 | $ 52,000 | $ 30,000 |
| Salisbury, MD | 2 | $ 328,000 | $ 164,000 | $ 48,000 |
| St. George, UT | 2 | $ 237,000 | $ 118,500 | $ 72,000 |
| Weirton-Steubenville, WV-OH | 2 | $ 236,000 | $ 118,000 | $ 37,000 |
| Wenatchee, WA | 2 | $ 675,000 | $ 337,500 | $ 103,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 208,000 | $ 208,000 | $ 60,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 154,000 | $ 154,000 | $ 41,000 |
| Bay City, MI | 1 | $ 191,000 | $ 191,000 | $ 98,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 188,000 | $ 188,000 | $ 52,000 |
| Carson City, NV | 1 | $ 285,000 | $ 285,000 | $ 77,000 |
| Charleston-North Charleston, SC | 1 | $ 194,000 | $ 194,000 | $ 54,000 |
| Chattanooga, TN-GA | 1 | $ 126,000 | $ 126,000 | $ 58,000 |
| Columbus, IN | 1 | $ 124,000 | $ 124,000 | $ 52,000 |
| Cumberland, MD-WV | 1 | $ 75,000 | $ 75,000 | $ 72,000 |
| Decatur, IL | 1 | $ 212,000 | $ 212,000 | $ 229,000 |
| Holland-Grand Haven, MI | 1 | $ 105,000 | $ 105,000 | $ 48,000 |
| Idaho Falls, ID | 1 | $ 342,000 | $ 342,000 | $ 94,000 |
| Jackson, TN | 1 | $ 720,000 | $ 720,000 | $ 126,000 |
| Kennewick-Richland-Pasco, WA | 1 | $ 102,000 | $ 102,000 | $ 36,000 |
| Knoxville, TN | 1 | $ 80,000 | $ 80,000 | $ 15,000 |
| Lexington-Fayette, KY | 1 | $ 315,000 | $ 315,000 | $ 124,000 |
| Lima, OH | 1 | $ 101,000 | $ 101,000 | $ 48,000 |
| Longview, TX | 1 | $ 113,000 | $ 113,000 | $ 52,000 |
| Lynchburg, VA | 1 | $ 209,000 | $ 209,000 | $ 93,000 |
| Manchester-Nashua, NH | 1 | $ 209,000 | $ 209,000 | $ 41,000 |
| Mansfield, OH | 1 | $ 144,000 | $ 144,000 | $ 90,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 70,000 | $ 70,000 | $ 54,000 |
| Morristown, TN | 1 | $ 116,000 | $ 116,000 | $ 35,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 169,000 | $ 169,000 | $ 41,000 |
| Muskegon-Norton Shores, MI | 1 | $ 52,000 | $ 52,000 | $ 18,000 |
| Oshkosh-Neenah, WI | 1 | $ 128,000 | $ 128,000 | $ 62,000 |
| Pittsfield, MA | 1 | $ 140,000 | $ 140,000 | $ 48,000 |
| Pocatello, ID | 1 | $ 187,000 | $ 187,000 | $ 94,000 |
| Racine, WI | 1 | $ 104,000 | $ 104,000 | $ 50,000 |
| Sandusky, OH | 1 | $ 115,000 | $ 115,000 | $ 34,000 |
| Sioux City, IA-NE-SD | 1 | $ 103,000 | $ 103,000 | $ 39,000 |
| St. Cloud, MN | 1 | $ 270,000 | $ 270,000 | $ 103,000 |
| Terre Haute, IN | 1 | $ 105,000 | $ 105,000 | $ 47,000 |
| Texarkana, Tx-Texarkana, AR | 1 | $ 90,000 | $ 90,000 | $ 60,000 |
| Topeka, KS | 1 | $ 200,000 | $ 200,000 | $ 46,000 |
| Wheeling, WV-OH | 1 | $ 111,000 | $ 111,000 | $ 54,000 |
Mortgage Loan Application Detail Totals for Master Financial, Inc. 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 7,662 | $1,632,570,000 | $213,000 | $1,140,000 | $119,000 | $1,425,000 |
| Refinancing | 7,575 | $2,177,570,000 | $287,000 | $1,085,000 | $104,000 | $1,288,000 |
| Home Improvement | 2 | $311,000 | $155,000 | $200,000 | $184,000 | $188,000 |
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 | 6,257 | $1,574,699,000 | $251,000 | $1,000,000 | $112,000 | $972,000 |
| White | 3,407 | $853,651,000 | $250,000 | $1,140,000 | $118,000 | $1,288,000 |
| Not Provided | 2,555 | $734,609,000 | $287,000 | $1,069,000 | $114,000 | $1,425,000 |
| Black or African American | 2,401 | $471,170,000 | $196,000 | $1,085,000 | $90,000 | $802,000 |
| Asian | 446 | $128,012,000 | $287,000 | $855,000 | $150,000 | $629,000 |
| Native Hawaiian or Other Pacific Islander | 133 | $40,139,000 | $301,000 | $809,000 | $138,000 | $601,000 |
| American Indian or Alaskan Native | 40 | $8,171,000 | $204,000 | $486,000 | $87,000 | $281,000 |
| 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) | 15,239 | $3,810,451,000 | $250,000 | $1,140,000 | $111,000 | $1,425,000 |
| 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 | 6,630 | $1,692,758,000 | $255,000 | $990,000 | $115,000 | $1,425,000 |
| Application Withdrawn By Applicant | 2,934 | $753,981,000 | $256,000 | $1,069,000 | $109,000 | $812,000 |
| Application Denied By Financial Institution | 2,905 | $618,095,000 | $212,000 | $1,085,000 | $103,000 | $1,200,000 |
| File Closed For Incompleteness | 2,770 | $745,617,000 | $269,000 | $1,140,000 | $114,000 | $1,170,000 |
| Application Approved But Not Accepted | 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 Master Financial, Inc.'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 Master Financial, 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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