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Act (HMDA) records Meritlending.Com filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Riverside-San Bernardino-Ontario, CA | 261 | $ 62,635,000 | $ 239,980 | $ 84,000 |
| Los Angeles-Long Beach-Glendale, CA | 243 | $ 72,935,000 | $ 300,144 | $ 98,000 |
| Santa Ana-Anaheim-Irvine, CA | 149 | $ 45,482,000 | $ 305,248 | $ 126,000 |
| Atlanta-Sandy Springs-Marietta, GA | 124 | $ 20,907,000 | $ 168,604 | $ 74,000 |
| Chicago-Naperville-Joliet, IL | 93 | $ 17,816,000 | $ 191,569 | $ 98,000 |
| Orlando, FL | 82 | $ 13,317,000 | $ 162,402 | $ 64,000 |
| Tampa-St. Petersburg-Clearwater, FL | 82 | $ 13,317,000 | $ 162,402 | $ 60,000 |
| Baltimore-Towson, MD | 74 | $ 13,691,000 | $ 185,013 | $ 83,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 56 | $ 13,026,000 | $ 232,607 | $ 89,000 |
| San Diego-Carlsbad-San Marcos, CA | 56 | $ 15,507,000 | $ 276,910 | $ 112,000 |
| Bakersfield, CA | 53 | $ 8,350,000 | $ 157,547 | $ 137,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 53 | $ 9,923,000 | $ 187,226 | $ 74,000 |
| Redding, CA | 49 | $ 7,879,000 | $ 160,795 | $ 67,000 |
| Denver-Aurora, CO | 39 | $ 6,924,000 | $ 177,538 | $ 67,000 |
| Oakland-Fremont-Hayward, CA | 39 | $ 14,160,000 | $ 363,076 | $ 100,000 |
| Fresno, CA | 35 | $ 5,276,000 | $ 150,742 | $ 49,000 |
| Visalia-Porterville, CA | 35 | $ 5,522,000 | $ 157,771 | $ 47,000 |
| Bethesda-Frederick-Gaithersburg, MD | 34 | $ 7,899,000 | $ 232,323 | $ 69,000 |
| Jacksonville, FL | 32 | $ 4,432,000 | $ 138,500 | $ 55,000 |
| Miami-Miami Beach-Kendall, FL | 30 | $ 5,165,000 | $ 172,166 | $ 72,000 |
| Palm Bay-Melbourne-Titusville, FL | 26 | $ 3,761,000 | $ 144,653 | $ 56,000 |
| Port St. Lucie-Fort Pierce, FL | 25 | $ 3,892,000 | $ 155,680 | $ 56,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 25 | $ 6,638,000 | $ 265,520 | $ 129,000 |
| Stockton, CA | 24 | $ 5,902,000 | $ 245,916 | $ 74,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 22 | $ 7,476,000 | $ 339,818 | $ 102,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 20 | $ 2,899,000 | $ 144,950 | $ 51,000 |
| Lakeland, FL | 20 | $ 2,454,000 | $ 122,700 | $ 39,000 |
| Salt Lake City, UT | 19 | $ 2,444,000 | $ 128,631 | $ 60,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 18 | $ 3,136,000 | $ 174,222 | $ 65,000 |
| Lake County-Kenosha County, IL-WI | 17 | $ 3,433,000 | $ 201,941 | $ 95,000 |
| Sarasota-Bradenton-Venice, FL | 16 | $ 2,441,000 | $ 152,562 | $ 69,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 14 | $ 5,337,000 | $ 381,214 | $ 110,000 |
| Modesto, CA | 13 | $ 3,493,000 | $ 268,692 | $ 76,000 |
| San Francisco-San Mateo-Redwood City, CA | 12 | $ 5,121,000 | $ 426,750 | $ 145,000 |
| Cape Coral-Fort Myers, FL | 11 | $ 1,925,000 | $ 175,000 | $ 67,000 |
| Colorado Springs, CO | 11 | $ 1,759,000 | $ 159,909 | $ 52,000 |
| Tallahassee, FL | 11 | $ 1,327,000 | $ 120,636 | $ 40,000 |
| Vallejo-Fairfield, CA | 10 | $ 2,858,000 | $ 285,800 | $ 77,000 |
| Merced, CA | 9 | $ 1,875,000 | $ 208,333 | $ 56,000 |
| Naples-Marco Island, FL | 9 | $ 2,084,000 | $ 231,555 | $ 72,000 |
| Chico, CA | 8 | $ 1,185,000 | $ 148,125 | $ 54,000 |
| El Centro, CA | 8 | $ 1,221,000 | $ 152,625 | $ 48,000 |
| Gainesville, FL | 8 | $ 898,000 | $ 112,250 | $ 141,000 |
| Madera, CA | 8 | $ 1,603,000 | $ 200,375 | $ 54,000 |
| Punta Gorda, FL | 8 | $ 1,342,000 | $ 167,750 | $ 65,000 |
| Santa Rosa-Petaluma, CA | 8 | $ 3,412,000 | $ 426,500 | $ 131,000 |
| Tacoma, WA | 8 | $ 1,270,000 | $ 158,750 | $ 58,000 |
| Pensacola-Ferry Pass-Brent, FL | 7 | $ 1,221,000 | $ 174,428 | $ 63,000 |
| San Luis Obispo-Paso Robles, CA | 7 | $ 1,979,000 | $ 282,714 | $ 122,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 7 | $ 1,898,000 | $ 271,142 | $ 78,000 |
| Vero Beach, FL | 7 | $ 1,028,000 | $ 146,857 | $ 45,000 |
| Rockford, IL | 6 | $ 634,000 | $ 105,666 | $ 43,000 |
| Seattle-Bellevue-Everett, WA | 6 | $ 1,419,000 | $ 236,500 | $ 85,000 |
| Yuba City, CA | 6 | $ 1,015,000 | $ 169,166 | $ 57,000 |
| Ocala, FL | 5 | $ 616,000 | $ 123,200 | $ 38,000 |
| Springfield, IL | 5 | $ 508,000 | $ 101,600 | $ 43,000 |
| Brunswick, GA | 4 | $ 402,000 | $ 100,500 | $ 78,000 |
| Champaign-Urbana, IL | 4 | $ 303,000 | $ 75,750 | $ 48,000 |
| Duluth, MN-WI | 4 | $ 385,000 | $ 96,250 | $ 56,000 |
| Fort Walton Beach-Crestview-Destin, FL | 4 | $ 657,000 | $ 164,250 | $ 46,000 |
| Gainesville, GA | 4 | $ 651,000 | $ 162,750 | $ 67,000 |
| Grand Junction, CO | 4 | $ 515,000 | $ 128,750 | $ 40,000 |
| Ogden-Clearfield, UT | 4 | $ 463,000 | $ 115,750 | $ 50,000 |
| Salinas, CA | 4 | $ 868,000 | $ 217,000 | $ 67,000 |
| Santa Cruz-Watsonville, CA | 4 | $ 1,207,000 | $ 301,750 | $ 140,000 |
| Savannah, GA | 4 | $ 522,000 | $ 130,500 | $ 37,000 |
| Albany, GA | 3 | $ 248,000 | $ 82,666 | $ 51,000 |
| Bremerton-Silverdale, WA | 3 | $ 422,000 | $ 140,666 | $ 44,000 |
| Las Vegas-Paradise, NV | 3 | $ 853,000 | $ 284,333 | $ 86,000 |
| Panama City-Lynn Haven, FL | 3 | $ 361,000 | $ 120,333 | $ 68,000 |
| Portland-Vancouver-Beaverton, OR-WA | 3 | $ 504,000 | $ 168,000 | $ 73,000 |
| Pueblo, CO | 3 | $ 357,000 | $ 119,000 | $ 59,000 |
| Spokane, WA | 3 | $ 367,000 | $ 122,333 | $ 41,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 279,000 | $ 139,500 | $ 37,000 |
| Boulder, CO | 2 | $ 527,000 | $ 263,500 | $ 121,000 |
| Fort Collins-Loveland, CO | 2 | $ 196,000 | $ 98,000 | $ 55,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 476,000 | $ 238,000 | $ 54,000 |
| Macon, GA | 2 | $ 309,000 | $ 154,500 | $ 76,000 |
| Mount Vernon-Anacortes, WA | 2 | $ 203,000 | $ 101,500 | $ 69,000 |
| Napa, CA | 2 | $ 1,020,000 | $ 510,000 | $ 146,000 |
| New York-Wayne-White Plains, NY-NJ | 2 | $ 338,000 | $ 169,000 | $ 102,000 |
| Peoria, IL | 2 | $ 243,000 | $ 121,500 | $ 66,000 |
| Provo-Orem, UT | 2 | $ 305,000 | $ 152,500 | $ 88,000 |
| Bellingham, WA | 1 | $ 324,000 | $ 324,000 | $ 75,000 |
| Billings, MT | 1 | $ 116,000 | $ 116,000 | $ 121,000 |
| Bloomington-Normal, IL | 1 | $ 162,000 | $ 162,000 | $ 161,000 |
| Cumberland, MD-WV | 1 | $ 85,000 | $ 85,000 | $ 39,000 |
| Dalton, GA | 1 | $ 138,000 | $ 138,000 | $ 161,000 |
| Greeley, CO | 1 | $ 144,000 | $ 144,000 | $ 80,000 |
| Monroe, MI | 1 | $ 250,000 | $ 250,000 | $ 105,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 1 | $ 418,000 | $ 418,000 | $ 134,000 |
| Olympia, WA | 1 | $ 167,000 | $ 167,000 | $ 68,000 |
| Salisbury, MD | 1 | $ 160,000 | $ 160,000 | $ 40,000 |
| Warner Robins, GA | 1 | $ 108,000 | $ 108,000 | $ 39,000 |
| Yakima, WA | 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.
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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