Meritlending.Com Mortgage Lending & HMDA Data, 2005
In 2005, Meritlending.Com of Costa Mesa, CA reported 2,333 mortgage applications totaling $504.6 million, down 6% from 2004. The average application was for $216,279, and applicants reported an average income of $78,392. 53% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (261), Los Angeles-Long Beach-Glendale, CA (243) and Santa Ana-Anaheim-Irvine, CA (149) (applications in parentheses).
| Mortgage Company & Address | Meritlending.Com 575 Anton Blvd. #1050 Costa Mesa, CA 92626 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,333 |
| Total Mortgage Loan Application Amount | $504,579,000 |
| Average Mortgage Loan Application Amount | $216,279 |
| Highest Mortgage Loan Application Amount | $1,995,000 |
| Average Applicant Income | $78,392 |
| Highest Applicant Income | $745,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Meritlending.Com filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles, California | 243 | $ 72,935,000 | $ 300,144 | $ 98,000 |
| Orange, California | 149 | $ 45,482,000 | $ 305,248 | $ 126,000 |
| Riverside, California | 136 | $ 35,048,000 | $ 257,705 | $ 80,000 |
| San Bernardino, California | 125 | $ 27,587,000 | $ 220,696 | $ 89,000 |
| Cook, Illinois | 60 | $ 12,450,000 | $ 207,500 | $ 123,000 |
| San Diego, California | 56 | $ 15,507,000 | $ 276,910 | $ 112,000 |
| Kern, California | 53 | $ 8,350,000 | $ 157,547 | $ 137,000 |
| Broward, Florida | 53 | $ 9,923,000 | $ 187,226 | $ 74,000 |
| Shasta, California | 49 | $ 7,879,000 | $ 160,795 | $ 67,000 |
| Sacramento, California | 42 | $ 8,879,000 | $ 211,404 | $ 74,000 |
| Orange, Florida | 40 | $ 7,210,000 | $ 180,250 | $ 83,000 |
| Prince George's, Maryland | 40 | $ 8,049,000 | $ 201,225 | $ 66,000 |
| Fresno, California | 35 | $ 5,276,000 | $ 150,742 | $ 49,000 |
| Tulare, California | 35 | $ 5,522,000 | $ 157,771 | $ 47,000 |
| Pinellas, Florida | 32 | $ 4,431,000 | $ 138,468 | $ 65,000 |
| Hillsborough, Florida | 30 | $ 6,112,000 | $ 203,733 | $ 66,000 |
| Miami-Dade, Florida | 30 | $ 5,165,000 | $ 172,166 | $ 72,000 |
| Brevard, Florida | 26 | $ 3,761,000 | $ 144,653 | $ 56,000 |
| Palm Beach, Florida | 25 | $ 6,638,000 | $ 265,520 | $ 129,000 |
| San Joaquin, California | 24 | $ 5,902,000 | $ 245,916 | $ 74,000 |
| DeKalb, Georgia | 23 | $ 3,768,000 | $ 163,826 | $ 71,000 |
| Contra Costa, California | 22 | $ 7,781,000 | $ 353,681 | $ 102,000 |
| Ventura, California | 22 | $ 7,476,000 | $ 339,818 | $ 102,000 |
| St. Lucie, Florida | 22 | $ 3,428,000 | $ 155,818 | $ 58,000 |
| Duval, Florida | 21 | $ 2,393,000 | $ 113,952 | $ 48,000 |
| Montgomery, Maryland | 21 | $ 4,776,000 | $ 227,428 | $ 78,000 |
| Polk, Florida | 20 | $ 2,454,000 | $ 122,700 | $ 39,000 |
| Volusia, Florida | 20 | $ 2,899,000 | $ 144,950 | $ 51,000 |
| Baltimore, Maryland | 20 | $ 3,832,000 | $ 191,600 | $ 68,000 |
| Cobb, Georgia | 19 | $ 3,239,000 | $ 170,473 | $ 84,000 |
| Baltimore City, Maryland | 19 | $ 1,603,000 | $ 84,368 | $ 56,000 |
| Salt Lake, Utah | 19 | $ 2,444,000 | $ 128,631 | $ 60,000 |
| Lake, Florida | 18 | $ 2,737,000 | $ 152,055 | $ 49,000 |
| Fulton, Georgia | 18 | $ 2,768,000 | $ 153,777 | $ 63,000 |
| Alameda, California | 17 | $ 6,379,000 | $ 375,235 | $ 98,000 |
| Lake, Illinois | 17 | $ 3,433,000 | $ 201,941 | $ 95,000 |
| Pasco, Florida | 15 | $ 2,023,000 | $ 134,866 | $ 51,000 |
| Santa Clara, California | 13 | $ 4,795,000 | $ 368,846 | $ 108,000 |
| Stanislaus, California | 13 | $ 3,493,000 | $ 268,692 | $ 76,000 |
| Frederick, Maryland | 13 | $ 3,123,000 | $ 240,230 | $ 50,000 |
| San Mateo, California | 12 | $ 5,121,000 | $ 426,750 | $ 145,000 |
| Denver, Colorado | 12 | $ 2,301,000 | $ 191,750 | $ 65,000 |
| Osceola, Florida | 12 | $ 1,714,000 | $ 142,833 | $ 39,000 |
| Seminole, Florida | 12 | $ 1,656,000 | $ 138,000 | $ 36,000 |
| Henry, Georgia | 12 | $ 1,966,000 | $ 163,833 | $ 72,000 |
| Will, Illinois | 12 | $ 1,581,000 | $ 131,750 | $ 88,000 |
| Anne Arundel, Maryland | 12 | $ 2,780,000 | $ 231,666 | $ 96,000 |
| Placer, California | 11 | $ 2,964,000 | $ 269,454 | $ 121,000 |
| El Paso, Colorado | 11 | $ 1,759,000 | $ 159,909 | $ 52,000 |
| Lee, Florida | 11 | $ 1,925,000 | $ 175,000 | $ 67,000 |
| Harford, Maryland | 11 | $ 2,521,000 | $ 229,181 | $ 108,000 |
| Ramsey, Minnesota | 11 | $ 1,946,000 | $ 176,909 | $ 67,000 |
| Solano, California | 10 | $ 2,858,000 | $ 285,800 | $ 77,000 |
| Adams, Colorado | 10 | $ 1,634,000 | $ 163,400 | $ 52,000 |
| Merced, California | 9 | $ 1,875,000 | $ 208,333 | $ 56,000 |
| Collier, Florida | 9 | $ 2,084,000 | $ 231,555 | $ 72,000 |
| Manatee, Florida | 9 | $ 1,130,000 | $ 125,555 | $ 62,000 |
| Charles, Maryland | 9 | $ 1,939,000 | $ 215,444 | $ 72,000 |
| Butte, California | 8 | $ 1,185,000 | $ 148,125 | $ 54,000 |
| Imperial, California | 8 | $ 1,221,000 | $ 152,625 | $ 48,000 |
| Inyo, California | 8 | $ 1,955,000 | $ 244,375 | $ 96,000 |
| Madera, California | 8 | $ 1,603,000 | $ 200,375 | $ 54,000 |
| Sonoma, California | 8 | $ 3,412,000 | $ 426,500 | $ 131,000 |
| Alachua, Florida | 8 | $ 898,000 | $ 112,250 | $ 141,000 |
| Charlotte, Florida | 8 | $ 1,342,000 | $ 167,750 | $ 65,000 |
| Leon, Florida | 8 | $ 1,083,000 | $ 135,375 | $ 48,000 |
| Gwinnett, Georgia | 8 | $ 1,257,000 | $ 157,125 | $ 66,000 |
| Carroll, Maryland | 8 | $ 1,323,000 | $ 165,375 | $ 77,000 |
| Pierce, Washington | 8 | $ 1,270,000 | $ 158,750 | $ 58,000 |
| San Luis Obispo, California | 7 | $ 1,979,000 | $ 282,714 | $ 122,000 |
| Santa Barbara, California | 7 | $ 1,898,000 | $ 271,142 | $ 78,000 |
| Tehama, California | 7 | $ 1,056,000 | $ 150,857 | $ 48,000 |
| Arapahoe, Colorado | 7 | $ 1,087,000 | $ 155,285 | $ 71,000 |
| Citrus, Florida | 7 | $ 826,000 | $ 118,000 | $ 75,000 |
| Indian River, Florida | 7 | $ 1,028,000 | $ 146,857 | $ 45,000 |
| Sarasota, Florida | 7 | $ 1,311,000 | $ 187,285 | $ 74,000 |
| Clayton, Georgia | 7 | $ 1,298,000 | $ 185,428 | $ 64,000 |
| Paulding, Georgia | 7 | $ 895,000 | $ 127,857 | $ 121,000 |
| DuPage, Illinois | 7 | $ 1,334,000 | $ 190,571 | $ 75,000 |
| Walton, Florida | 6 | $ 2,469,000 | $ 411,500 | $ 167,000 |
| Madison, Illinois | 6 | $ 776,000 | $ 129,333 | $ 52,000 |
| Jefferson, Colorado | 5 | $ 1,017,000 | $ 203,400 | $ 79,000 |
| Clay, Florida | 5 | $ 623,000 | $ 124,600 | $ 58,000 |
| Flagler, Florida | 5 | $ 726,000 | $ 145,200 | $ 66,000 |
| Hernando, Florida | 5 | $ 751,000 | $ 150,200 | $ 54,000 |
| Marion, Florida | 5 | $ 616,000 | $ 123,200 | $ 38,000 |
| Fayette, Georgia | 5 | $ 1,401,000 | $ 280,200 | $ 83,000 |
| Kane, Illinois | 5 | $ 1,087,000 | $ 217,400 | $ 82,000 |
| Sangamon, Illinois | 5 | $ 508,000 | $ 101,600 | $ 43,000 |
| Winnebago, Illinois | 5 | $ 540,000 | $ 108,000 | $ 51,000 |
| Hennepin, Minnesota | 5 | $ 890,000 | $ 178,000 | $ 49,000 |
| Lake, California | 4 | $ 514,000 | $ 128,500 | $ 61,000 |
| Mendocino, California | 4 | $ 684,000 | $ 171,000 | $ 50,000 |
| Monterey, California | 4 | $ 868,000 | $ 217,000 | $ 67,000 |
| Santa Cruz, California | 4 | $ 1,207,000 | $ 301,750 | $ 140,000 |
| Yuba, California | 4 | $ 591,000 | $ 147,750 | $ 55,000 |
| Mesa, Colorado | 4 | $ 515,000 | $ 128,750 | $ 40,000 |
| Escambia, Florida | 4 | $ 711,000 | $ 177,750 | $ 91,000 |
| Monroe, Florida | 4 | $ 2,196,000 | $ 549,000 | $ 217,000 |
| Nassau, Florida | 4 | $ 1,003,000 | $ 250,750 | $ 57,000 |
| Okaloosa, Florida | 4 | $ 657,000 | $ 164,250 | $ 46,000 |
| Hall, Georgia | 4 | $ 651,000 | $ 162,750 | $ 67,000 |
| McIntosh, Georgia | 4 | $ 402,000 | $ 100,500 | $ 78,000 |
| Champaign, Illinois | 4 | $ 303,000 | $ 75,750 | $ 48,000 |
| McHenry, Illinois | 4 | $ 608,000 | $ 152,000 | $ 67,000 |
| Howard, Maryland | 4 | $ 1,632,000 | $ 408,000 | $ 108,000 |
| St. Louis, Minnesota | 4 | $ 385,000 | $ 96,250 | $ 56,000 |
| King, Washington | 4 | $ 1,120,000 | $ 280,000 | $ 98,000 |
| Amador, California | 3 | $ 783,000 | $ 261,000 | $ 46,000 |
| Humboldt, California | 3 | $ 527,000 | $ 175,666 | $ 34,000 |
| Tuolumne, California | 3 | $ 776,000 | $ 258,666 | $ 36,000 |
| Clear Creek, Colorado | 3 | $ 359,000 | $ 119,666 | $ 66,000 |
| La Plata, Colorado | 3 | $ 557,000 | $ 185,666 | $ 61,000 |
| Pueblo, Colorado | 3 | $ 357,000 | $ 119,000 | $ 59,000 |
| Bay, Florida | 3 | $ 361,000 | $ 120,333 | $ 68,000 |
| Martin, Florida | 3 | $ 464,000 | $ 154,666 | $ 48,000 |
| Santa Rosa, Florida | 3 | $ 510,000 | $ 170,000 | $ 44,000 |
| Dougherty, Georgia | 3 | $ 248,000 | $ 82,666 | $ 51,000 |
| Douglas, Georgia | 3 | $ 508,000 | $ 169,333 | $ 54,000 |
| Rockdale, Georgia | 3 | $ 708,000 | $ 236,000 | $ 78,000 |
| St. Clair, Illinois | 3 | $ 331,000 | $ 110,333 | $ 32,000 |
| Clark, Nevada | 3 | $ 853,000 | $ 284,333 | $ 86,000 |
| Kitsap, Washington | 3 | $ 422,000 | $ 140,666 | $ 44,000 |
| Spokane, Washington | 3 | $ 367,000 | $ 122,333 | $ 41,000 |
| Calaveras, California | 2 | $ 343,000 | $ 171,500 | $ 55,000 |
| Del Norte, California | 2 | $ 421,000 | $ 210,500 | $ 44,000 |
| El Dorado, California | 2 | $ 776,000 | $ 388,000 | $ 118,000 |
| Napa, California | 2 | $ 1,020,000 | $ 510,000 | $ 146,000 |
| Nevada, California | 2 | $ 390,000 | $ 195,000 | $ 107,000 |
| Sutter, California | 2 | $ 424,000 | $ 212,000 | $ 60,000 |
| Trinity, California | 2 | $ 148,000 | $ 74,000 | $ 40,000 |
| Boulder, Colorado | 2 | $ 527,000 | $ 263,500 | $ 121,000 |
| Larimer, Colorado | 2 | $ 196,000 | $ 98,000 | $ 55,000 |
| Gadsden, Florida | 2 | $ 140,000 | $ 70,000 | $ 28,000 |
| Levy, Florida | 2 | $ 296,000 | $ 148,000 | $ 44,000 |
| St. Johns, Florida | 2 | $ 413,000 | $ 206,500 | $ 71,000 |
| Bartow, Georgia | 2 | $ 250,000 | $ 125,000 | $ 57,000 |
| Chatham, Georgia | 2 | $ 200,000 | $ 100,000 | $ 19,000 |
| Cherokee, Georgia | 2 | $ 331,000 | $ 165,500 | $ 93,000 |
| Coweta, Georgia | 2 | $ 229,000 | $ 114,500 | $ 120,000 |
| Effingham, Georgia | 2 | $ 322,000 | $ 161,000 | $ 74,000 |
| Forsyth, Georgia | 2 | $ 315,000 | $ 157,500 | $ 42,000 |
| Jackson, Georgia | 2 | $ 261,000 | $ 130,500 | $ 66,000 |
| Spalding, Georgia | 2 | $ 378,000 | $ 189,000 | $ 77,000 |
| Walton, Georgia | 2 | $ 483,000 | $ 241,500 | $ 62,000 |
| DeKalb, Illinois | 2 | $ 329,000 | $ 164,500 | $ 98,000 |
| Fulton, Illinois | 2 | $ 122,000 | $ 61,000 | $ 52,000 |
| Kendall, Illinois | 2 | $ 283,000 | $ 141,500 | $ 80,000 |
| Rock Island, Illinois | 2 | $ 120,000 | $ 60,000 | $ 64,000 |
| Cecil, Maryland | 2 | $ 451,000 | $ 225,500 | $ 53,000 |
| Washington, Maryland | 2 | $ 476,000 | $ 238,000 | $ 54,000 |
| Washington, Minnesota | 2 | $ 300,000 | $ 150,000 | $ 104,000 |
| Queens, New York | 2 | $ 338,000 | $ 169,000 | $ 102,000 |
| Multnomah, Oregon | 2 | $ 264,000 | $ 132,000 | $ 64,000 |
| Davis, Utah | 2 | $ 265,000 | $ 132,500 | $ 43,000 |
| Utah, Utah | 2 | $ 305,000 | $ 152,500 | $ 88,000 |
| Weber, Utah | 2 | $ 198,000 | $ 99,000 | $ 58,000 |
| Clark, Washington | 2 | $ 383,000 | $ 191,500 | $ 46,000 |
| Skagit, Washington | 2 | $ 203,000 | $ 101,500 | $ 69,000 |
| Snohomish, Washington | 2 | $ 299,000 | $ 149,500 | $ 66,000 |
| Lassen, California | 1 | $ 184,000 | $ 184,000 | $ 66,000 |
| Plumas, California | 1 | $ 103,000 | $ 103,000 | $ 23,000 |
| San Benito, California | 1 | $ 542,000 | $ 542,000 | $ 124,000 |
| Siskiyou, California | 1 | $ 132,000 | $ 132,000 | $ 114,000 |
| Yolo, California | 1 | $ 407,000 | $ 407,000 | $ 72,000 |
| Douglas, Colorado | 1 | $ 261,000 | $ 261,000 | $ 90,000 |
| Park, Colorado | 1 | $ 265,000 | $ 265,000 | $ 53,000 |
| Summit, Colorado | 1 | $ 493,000 | $ 493,000 | $ 194,000 |
| Weld, Colorado | 1 | $ 144,000 | $ 144,000 | $ 80,000 |
| Columbia, Florida | 1 | $ 112,000 | $ 112,000 | $ 26,000 |
| Highlands, Florida | 1 | $ 115,000 | $ 115,000 | $ 39,000 |
| Jackson, Florida | 1 | $ 76,000 | $ 76,000 | $ 34,000 |
| Taylor, Florida | 1 | $ 77,000 | $ 77,000 | $ 18,000 |
| Wakulla, Florida | 1 | $ 104,000 | $ 104,000 | $ 28,000 |
| Barrow, Georgia | 1 | $ 138,000 | $ 138,000 | $ 86,000 |
| Bulloch, Georgia | 1 | $ 139,000 | $ 139,000 | $ 50,000 |
| Butts, Georgia | 1 | $ 158,000 | $ 158,000 | $ 82,000 |
| Carroll, Georgia | 1 | $ 201,000 | $ 201,000 | $ 49,000 |
| Colquitt, Georgia | 1 | $ 122,000 | $ 122,000 | $ 47,000 |
| Columbia, Georgia | 1 | $ 180,000 | $ 180,000 | $ 43,000 |
| Gordon, Georgia | 1 | $ 153,000 | $ 153,000 | $ 41,000 |
| Haralson, Georgia | 1 | $ 185,000 | $ 185,000 | $ 37,000 |
| Hart, Georgia | 1 | $ 293,000 | $ 293,000 | $ 250,000 |
| Houston, Georgia | 1 | $ 108,000 | $ 108,000 | $ 39,000 |
| Jasper, Georgia | 1 | $ 130,000 | $ 130,000 | $ 48,000 |
| Jones, Georgia | 1 | $ 185,000 | $ 185,000 | $ 60,000 |
| Laurens, Georgia | 1 | $ 134,000 | $ 134,000 | $ 65,000 |
| Lumpkin, Georgia | 1 | $ 200,000 | $ 200,000 | $ 54,000 |
| Monroe, Georgia | 1 | $ 124,000 | $ 124,000 | $ 92,000 |
| Newton, Georgia | 1 | $ 154,000 | $ 154,000 | $ 53,000 |
| Pike, Georgia | 1 | $ 147,000 | $ 147,000 | $ 41,000 |
| Rabun, Georgia | 1 | $ 158,000 | $ 158,000 | $ 57,000 |
| Richmond, Georgia | 1 | $ 99,000 | $ 99,000 | $ 32,000 |
| Screven, Georgia | 1 | $ 113,000 | $ 113,000 | $ 50,000 |
| Troup, Georgia | 1 | $ 152,000 | $ 152,000 | $ 34,000 |
| Upson, Georgia | 1 | $ 259,000 | $ 259,000 | $ 102,000 |
| Walker, Georgia | 1 | $ 88,000 | $ 88,000 | $ 25,000 |
| Wayne, Georgia | 1 | $ 135,000 | $ 135,000 | $ 65,000 |
| Wheeler, Georgia | 1 | $ 157,000 | $ 157,000 | $ 96,000 |
| Whitfield, Georgia | 1 | $ 138,000 | $ 138,000 | $ 161,000 |
| Boone, Illinois | 1 | $ 94,000 | $ 94,000 | $ 20,000 |
| Christian, Illinois | 1 | $ 180,000 | $ 180,000 | $ 75,000 |
| Grundy, Illinois | 1 | $ 144,000 | $ 144,000 | $ 83,000 |
| Iroquois, Illinois | 1 | $ 135,000 | $ 135,000 | $ 60,000 |
| McLean, Illinois | 1 | $ 162,000 | $ 162,000 | $ 161,000 |
| Peoria, Illinois | 1 | $ 93,000 | $ 93,000 | $ 49,000 |
| Stephenson, Illinois | 1 | $ 8,000 | $ 8,000 | $ 69,000 |
| Tazewell, Illinois | 1 | $ 150,000 | $ 150,000 | $ 84,000 |
| Allegany, Maryland | 1 | $ 85,000 | $ 85,000 | $ 39,000 |
| Calvert, Maryland | 1 | $ 370,000 | $ 370,000 | $ 70,000 |
| Caroline, Maryland | 1 | $ 120,000 | $ 120,000 | $ 44,000 |
| Dorchester, Maryland | 1 | $ 102,000 | $ 102,000 | $ 43,000 |
| St. Mary's, Maryland | 1 | $ 193,000 | $ 193,000 | $ 111,000 |
| Wicomico, Maryland | 1 | $ 160,000 | $ 160,000 | $ 40,000 |
| Worcester, Maryland | 1 | $ 100,000 | $ 100,000 | $ 74,000 |
| Monroe, Michigan | 1 | $ 250,000 | $ 250,000 | $ 105,000 |
| Cass, Minnesota | 1 | $ 175,000 | $ 175,000 | $ 34,000 |
| Otter Tail, Minnesota | 1 | $ 185,000 | $ 185,000 | $ 54,000 |
| Yellowstone, Montana | 1 | $ 116,000 | $ 116,000 | $ 121,000 |
| Clackamas, Oregon | 1 | $ 240,000 | $ 240,000 | $ 92,000 |
| Douglas, Oregon | 1 | $ 311,000 | $ 311,000 | $ 82,000 |
| Jefferson, Oregon | 1 | $ 128,000 | $ 128,000 | $ 67,000 |
| Josephine, Oregon | 1 | $ 86,000 | $ 86,000 | $ 120,000 |
| Tillamook, Oregon | 1 | $ 134,000 | $ 134,000 | $ 60,000 |
| Umatilla, Oregon | 1 | $ 65,000 | $ 65,000 | $ 38,000 |
| Horry, South Carolina | 1 | $ 418,000 | $ 418,000 | $ 134,000 |
| Iron, Utah | 1 | $ 62,000 | $ 62,000 | $ 45,000 |
| Millard, Utah | 1 | $ 260,000 | $ 260,000 | $ 61,000 |
| Prince William, Virginia | 1 | $ 189,000 | $ 189,000 | $ 50,000 |
| Grays Harbor, Washington | 1 | $ 185,000 | $ 185,000 | $ 101,000 |
| Island, Washington | 1 | $ 177,000 | $ 177,000 | $ 45,000 |
| Mason, Washington | 1 | $ 115,000 | $ 115,000 | $ 46,000 |
| Thurston, Washington | 1 | $ 167,000 | $ 167,000 | $ 68,000 |
| Whatcom, Washington | 1 | $ 324,000 | $ 324,000 | $ 75,000 |
| Yakima, Washington | 1 | $ 85,000 | $ 85,000 | $ 50,000 |
Mortgage Loan Application Detail Totals for Meritlending.Com 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 | 2,152 | $459,180,000 | $183,428 | $1,995,000 | $69,857 | $745,000 |
| Home Purchase | 181 | $45,399,000 | $208,500 | $790,000 | $114,200 | $726,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not Provided | 1,342 | $257,275,000 | $205,071 | $1,995,000 | $76,000 | $745,000 |
| White | 577 | $136,018,000 | $188,615 | $1,500,000 | $83,076 | $448,000 |
| Hispanic | 253 | $67,131,000 | $189,600 | $750,000 | $67,800 | $323,000 |
| Black or African American | 84 | $20,961,000 | $218,000 | $1,035,000 | $79,166 | $400,000 |
| Asian | 55 | $17,786,000 | $249,200 | $720,000 | $102,200 | $240,000 |
| Native Hawaiian or Other Pacific Islander | 14 | $3,947,000 | $230,333 | $765,000 | $101,666 | $318,000 |
| American Indian or Alaskan Native | 8 | $1,461,000 | $186,000 | $288,000 | $58,500 | $93,000 |
| 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) | 2,329 | $503,038,000 | $198,187 | $1,995,000 | $81,687 | $745,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $1,541,000 | $405,000 | $772,000 | $93,333 | $186,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 1,239 | $266,329,000 | $192,800 | $1,995,000 | $76,000 | $726,000 |
| Application Withdrawn By Applicant | 823 | $179,992,000 | $198,083 | $1,500,000 | $81,166 | $745,000 |
| Application Denied By Financial Institution | 271 | $58,258,000 | $171,700 | $971,000 | $69,900 | $325,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Credit History | 101 | $23,013,000 | $172,000 | $750,000 | $71,375 | $260,000 |
| Collateral | 90 | $16,336,000 | $158,100 | $971,000 | $68,500 | $325,000 |
| Employment History | 27 | $7,352,000 | $194,750 | $640,000 | $85,500 | $233,000 |
| Debt-To-Income Ratio | 24 | $6,058,000 | $164,666 | $593,000 | $76,333 | $300,000 |
| Other | 14 | $2,079,000 | $126,800 | $342,000 | $57,400 | $106,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $2,340,000 | $188,500 | $660,000 | $89,250 | $168,000 |
| Unverifiable Information | 1 | $440,000 | $440,000 | $440,000 | $97,000 | $97,000 |
| Credit Application Incomplete | 1 | $129,000 | $129,000 | $129,000 | $27,000 | $27,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Meritlending.Com'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 Meritlending.Com's mortgage approval patterns.
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For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
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