Members Loan Services Inc. Mortgage Lending & HMDA Data, 2006
In 2006, Members Loan Services Inc. of San Diego, CA reported 42 mortgage applications totaling $16.0 million. The average application was for $381,428, and applicants reported an average income of $166,571. 24% of its applications resulted in an originated loan and 17% were denied. Its largest markets were San Diego-Carlsbad-San Marcos, CA (23), Los Angeles-Long Beach-Glendale, CA (4) and Bakersfield, CA (1) (applications in parentheses).
| Mortgage Company & Address | Members Loan Services Inc. 10075 Carroll Canyon Road #120 San Diego, CA 92131 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2009 2008 2007 2006 |
| Total Number of Mortgage Applications | 42 |
| Total Mortgage Loan Application Amount | $16,020,000 |
| Average Mortgage Loan Application Amount | $381,428 |
| Highest Mortgage Loan Application Amount | $975,000 |
| Average Applicant Income | $166,571 |
| Highest Applicant Income | $999,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Members Loan Services Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| San Diego-Carlsbad-San Marcos, CA | 23 | $ 9,464,000 | $ 411,478 | $ 213,000 |
| Los Angeles-Long Beach-Glendale, CA | 4 | $ 1,635,000 | $ 408,750 | $ 109,000 |
| Bakersfield, CA | 1 | $ 220,000 | $ 220,000 | $ 63,000 |
| Boston-Quincy, MA | 1 | $ 310,000 | $ 310,000 | $ 126,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 144,000 | $ 144,000 | $ 71,000 |
| Portland-Vancouver-Beaverton, OR-WA | 1 | $ 250,000 | $ 250,000 | $ 89,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 350,000 | $ 350,000 | $ 111,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 417,000 | $ 417,000 | $ 106,000 |
| Santa Ana-Anaheim-Irvine, CA | 1 | $ 737,000 | $ 737,000 | $ 578,000 |
Mortgage Loan Application Detail Totals for Members Loan Services 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 | 22 | $8,150,000 | $370,000 | $975,000 | $208,000 | $999,000 |
| Refinancing | 20 | $7,870,000 | $393,000 | $861,000 | $121,000 | $578,000 |
| 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 | 22 | $9,558,000 | $434,000 | $975,000 | $192,000 | $999,000 |
| Not Provided | 12 | $3,544,000 | $295,000 | $650,000 | $157,000 | $999,000 |
| Hispanic | 7 | $2,668,000 | $381,000 | $530,000 | $124,000 | $334,000 |
| American Indian or Alaskan Native | 1 | $250,000 | $250,000 | $250,000 | $30,000 | $30,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 42 | $16,020,000 | $381,000 | $975,000 | $167,000 | $999,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 13 | $5,490,000 | $422,000 | $975,000 | $191,000 | $999,000 |
| Loan Originated | 10 | $4,425,000 | $442,000 | $975,000 | $330,000 | $999,000 |
| Application Denied By Financial Institution | 7 | $2,733,000 | $390,000 | $500,000 | $50,000 | $74,000 |
| File Closed For Incompleteness | 6 | $1,494,000 | $249,000 | $400,000 | $84,000 | $166,000 |
| Application Approved But Not Accepted | 3 | $1,118,000 | $372,000 | $500,000 | $79,000 | $106,000 |
| Preapproval Denied by Financial Institution | 3 | $760,000 | $253,000 | $360,000 | $46,000 | $77,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 7 | $2,584,000 | $369,000 | $500,000 | $39,000 | $74,000 |
| Collateral | 1 | $417,000 | $417,000 | $417,000 | $68,000 | $68,000 |
| Credit History | 1 | $150,000 | $150,000 | $150,000 | $77,000 | $77,000 |
| Credit Application Incomplete | 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 Members Loan Services 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 Members Loan Services 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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