Mirad Financial Group
HMDA Loan Application Totals
and Mortgage Lending Details
for 2007
Mirad Financial Group 2007 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Mirad Financial Group 613 West Valley Parkway 103 Escondido, CA 92025 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2008 2007 2006 |
| Total Number of Mortgage Applications | 943 |
| Total Mortgage Loan Application Amount | $260,630,000 |
| Average Mortgage Loan Application Amount | $287,333 |
| Highest Mortgage Loan Application Amount | $3,720,000 |
| Average Applicant Income | $100,000 |
| Highest Applicant Income | $1,200,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2007 with Mirad Financial Group. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Mirad Financial Group's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2007 breaks down Mirad Financial Group's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Mirad Financial Group serves its applicants.
Each category highlights the total number of mortgage applications processed by Mirad Financial Group, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Mirad Financial Group's mortgage activity for 2007.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles County California | 254 | $ 83,967,000 | $ 330,000 | $ 128,000 |
| San Bernardino County California | 105 | $ 23,011,000 | $ 219,000 | $ 99,000 |
| Clark County Nevada | 90 | $ 16,917,000 | $ 187,000 | $ 131,000 |
| Riverside County California | 89 | $ 23,919,000 | $ 268,000 | $ 104,000 |
| Orange County California | 84 | $ 28,622,000 | $ 340,000 | $ 143,000 |
| Maricopa County Arizona | 76 | $ 11,541,000 | $ 151,000 | $ 69,000 |
| Alameda County California | 26 | $ 9,881,000 | $ 380,000 | $ 115,000 |
| Contra Costa County California | 24 | $ 8,195,000 | $ 341,000 | $ 50,000 |
| San Joaquin County California | 24 | $ 5,405,000 | $ 225,000 | $ 58,000 |
| Kern County California | 18 | $ 2,697,000 | $ 149,000 | $ 88,000 |
| Sacramento County California | 17 | $ 4,989,000 | $ 293,000 | $ 141,000 |
| San Diego County California | 17 | $ 5,161,000 | $ 303,000 | $ 92,000 |
| Santa Clara County California | 16 | $ 6,537,000 | $ 408,000 | $ 155,000 |
| Solano County California | 13 | $ 3,861,000 | $ 297,000 | $ 117,000 |
| Fresno County California | 12 | $ 2,036,000 | $ 169,000 | $ 91,000 |
| San Mateo County California | 10 | $ 4,890,000 | $ 489,000 | $ 157,000 |
| Yavapai County Arizona | 8 | $ 861,000 | $ 107,000 | $ 61,000 |
| Ventura County California | 7 | $ 2,097,000 | $ 299,000 | $ 97,000 |
| San Francisco County California | 6 | $ 2,588,000 | $ 431,000 | $ 19,000 |
| Pinal County Arizona | 5 | $ 707,000 | $ 141,000 | $ 58,000 |
| Tulare County California | 5 | $ 658,000 | $ 131,000 | $ 77,000 |
| Monterey County California | 3 | $ 1,040,000 | $ 346,000 | $ 144,000 |
| Stanislaus County California | 3 | $ 1,272,000 | $ 424,000 | $ 75,000 |
| Osceola County Florida | 3 | $ 803,000 | $ 267,000 | $ 162,000 |
| Pima County Arizona | 2 | $ 1,613,000 | $ 806,000 | $ 551,000 |
| Merced County California | 2 | $ 365,000 | $ 182,000 | $ 62,000 |
| Placer County California | 2 | $ 426,000 | $ 213,000 | $ 98,000 |
| Mesa County Colorado | 2 | $ 466,000 | $ 233,000 | $ 468,000 |
| Volusia County Florida | 2 | $ 124,000 | $ 62,000 | $ 35,000 |
| Nye County Nevada | 2 | $ 450,000 | $ 225,000 | $ 144,000 |
| Amador County California | 1 | $ 386,000 | $ 386,000 | $ 108,000 |
| Butte County California | 1 | $ 302,000 | $ 302,000 | $ 186,000 |
| Imperial County California | 1 | $ 315,000 | $ 315,000 | $ 86,000 |
| Kings County California | 1 | $ 218,000 | $ 218,000 | $ 72,000 |
| San Benito County California | 1 | $ 150,000 | $ 150,000 | $ 35,000 |
| Santa Barbara County California | 1 | $ 336,000 | $ 336,000 | $ 126,000 |
| Douglas County Colorado | 1 | $ 680,000 | $ 680,000 | $ 384,000 |
| Broward County Florida | 1 | $ 285,000 | $ 285,000 | $ 127,000 |
| Fulton County Georgia | 1 | $ 520,000 | $ 520,000 | $ 174,000 |
| Honolulu County Hawaii | 1 | $ 246,000 | $ 246,000 | $ 60,000 |
| Jackson County Oregon | 1 | $ 187,000 | $ 187,000 | $ 56,000 |
| Salt Lake County Utah | 1 | $ 751,000 | $ 751,000 | $ 12,000 |
Mortgage Loan Application Detail Totals for Mirad Financial Group in 2007
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 | 519 | $132,351,000 | $255,000 | $1,100,000 | $107,000 | $526,000 |
| Refinancing | 410 | $124,007,000 | $302,000 | $3,720,000 | $122,000 | $1,200,000 |
| Home Improvement | 14 | $4,272,000 | $305,000 | $644,000 | $71,000 | $360,000 |
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 | 584 | $146,546,000 | $250,000 | $1,295,000 | $91,000 | $443,000 |
| White | 182 | $59,194,000 | $325,000 | $3,720,000 | $167,000 | $1,200,000 |
| Asian | 73 | $24,071,000 | $329,000 | $996,000 | $119,000 | $526,000 |
| Not Provided | 55 | $16,431,000 | $298,000 | $980,000 | $132,000 | $468,000 |
| Black or African American | 43 | $12,968,000 | $301,000 | $780,000 | $151,000 | $418,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $845,000 | $211,000 | $278,000 | $85,000 | $118,000 |
| American Indian or Alaskan Native | 2 | $575,000 | $287,000 | $460,000 | $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) | 928 | $256,127,000 | $275,000 | $3,720,000 | $113,000 | $1,200,000 |
| FHA-insured (Federal Housing Administration) | 15 | $4,503,000 | $300,000 | $398,000 | $83,000 | $145,000 |
| 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 | 386 | $98,967,000 | $256,000 | $2,000,000 | $113,000 | $900,000 |
| Application Approved But Not Accepted | 351 | $102,111,000 | $290,000 | $3,720,000 | $112,000 | $1,200,000 |
| Application Denied By Financial Institution | 185 | $52,599,000 | $284,000 | $985,000 | $114,000 | $599,000 |
| Application Withdrawn By Applicant | 21 | $6,953,000 | $331,000 | $720,000 | $113,000 | $329,000 |
| 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 Application Incomplete | 85 | $21,758,000 | $255,000 | $960,000 | $110,000 | $264,000 |
| Other | 63 | $18,158,000 | $288,000 | $900,000 | $104,000 | $382,000 |
| Credit History | 15 | $4,019,000 | $267,000 | $496,000 | $134,000 | $198,000 |
| Unverifiable Information | 14 | $5,158,000 | $368,000 | $985,000 | $132,000 | $373,000 |
| Debt-To-Income Ratio | 5 | $2,675,000 | $535,000 | $950,000 | $229,000 | $599,000 |
| Collateral | 2 | $535,000 | $267,000 | $281,000 | $73,000 | $77,000 |
| Employment History | 1 | $296,000 | $296,000 | $296,000 | $93,000 | $93,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mirad Financial Group's 2007 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 Mirad Financial Group'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.