Mlsg, Inc. Mortgage Lending & HMDA Data, 2006
In 2006, Mlsg, Inc. of Reno, NV reported 4,419 mortgage applications totaling $931.0 million, down 43% from 2005. The average application was for $210,683, and applicants reported an average income of $197,972. 37% of its applications resulted in an originated loan and 31% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (422), Los Angeles-Long Beach-Glendale, CA (399) and Phoenix-Mesa-Scottsdale, AZ (258) (applications in parentheses).
| Mortgage Company & Address | Mlsg, Inc. 10615 Professional Circle Reno, NV 89521 |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 4,419 |
| Total Mortgage Loan Application Amount | $931,012,000 |
| Average Mortgage Loan Application Amount | $210,683 |
| Highest Mortgage Loan Application Amount | $1,200,000 |
| Average Applicant Income | $197,972 |
| Highest Applicant Income | $3,192,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Mlsg, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Riverside-San Bernardino-Ontario, CA | 422 | $ 103,647,000 | $ 245,609 | $ 226,000 |
| Los Angeles-Long Beach-Glendale, CA | 399 | $ 111,672,000 | $ 279,879 | $ 252,000 |
| Phoenix-Mesa-Scottsdale, AZ | 258 | $ 49,174,000 | $ 190,596 | $ 151,000 |
| Las Vegas-Paradise, NV | 230 | $ 42,617,000 | $ 185,291 | $ 168,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 215 | $ 52,325,000 | $ 243,372 | $ 206,000 |
| Portland-Vancouver-Beaverton, OR-WA | 176 | $ 29,336,000 | $ 166,681 | $ 141,977 |
| Oakland-Fremont-Hayward, CA | 132 | $ 36,368,000 | $ 275,515 | $ 286,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 130 | $ 20,855,000 | $ 160,423 | $ 129,000 |
| Reno-Sparks, NV | 120 | $ 23,070,000 | $ 192,250 | $ 159,000 |
| Bakersfield, CA | 96 | $ 17,482,000 | $ 182,104 | $ 181,000 |
| Fresno, CA | 95 | $ 17,599,000 | $ 185,252 | $ 173,000 |
| Seattle-Bellevue-Everett, WA | 81 | $ 18,318,000 | $ 226,148 | $ 238,000 |
| Stockton, CA | 77 | $ 19,888,000 | $ 258,285 | $ 229,000 |
| Richmond, VA | 75 | $ 9,251,000 | $ 123,346 | $ 110,000 |
| Santa Ana-Anaheim-Irvine, CA | 72 | $ 23,939,000 | $ 332,486 | $ 377,000 |
| San Diego-Carlsbad-San Marcos, CA | 69 | $ 19,489,000 | $ 282,449 | $ 349,000 |
| Vallejo-Fairfield, CA | 69 | $ 17,809,000 | $ 258,101 | $ 182,000 |
| Visalia-Porterville, CA | 63 | $ 10,329,000 | $ 163,952 | $ 143,000 |
| Modesto, CA | 61 | $ 12,929,000 | $ 211,950 | $ 168,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 59 | $ 12,545,000 | $ 212,627 | $ 189,000 |
| El Centro, CA | 56 | $ 9,930,000 | $ 177,321 | $ 129,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 50 | $ 14,806,000 | $ 296,120 | $ 307,000 |
| Salem, OR | 43 | $ 5,876,000 | $ 136,651 | $ 122,000 |
| Salt Lake City, UT | 41 | $ 6,346,000 | $ 154,780 | $ 108,000 |
| Denver-Aurora, CO | 39 | $ 5,703,000 | $ 146,230 | $ 139,000 |
| Tacoma, WA | 35 | $ 6,253,000 | $ 178,657 | $ 160,000 |
| Tucson, AZ | 33 | $ 5,013,000 | $ 151,909 | $ 116,000 |
| Ogden-Clearfield, UT | 28 | $ 4,036,000 | $ 144,142 | $ 129,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 25 | $ 3,118,000 | $ 124,720 | $ 126,000 |
| Merced, CA | 23 | $ 4,511,000 | $ 196,130 | $ 201,000 |
| Santa Rosa-Petaluma, CA | 19 | $ 4,360,000 | $ 229,473 | $ 231,000 |
| Spokane, WA | 17 | $ 1,887,000 | $ 111,000 | $ 113,000 |
| Provo-Orem, UT | 16 | $ 2,570,000 | $ 160,625 | $ 162,000 |
| Santa Barbara-Santa Maria, CA | 16 | $ 4,742,000 | $ 296,375 | $ 283,000 |
| St. George, UT | 16 | $ 2,802,000 | $ 175,125 | $ 238,000 |
| Madera, CA | 15 | $ 2,524,000 | $ 168,266 | $ 134,000 |
| San Francisco-San Mateo-Redwood City, CA | 15 | $ 3,443,000 | $ 229,533 | $ 286,000 |
| Napa, CA | 13 | $ 4,269,000 | $ 328,384 | $ 175,000 |
| New Orleans-Metairie-Kenner, LA | 12 | $ 1,966,000 | $ 163,833 | $ 187,000 |
| Santa Cruz-Watsonville, CA | 11 | $ 4,030,000 | $ 366,363 | $ 445,000 |
| Hanford-Corcoran, CA | 10 | $ 1,610,000 | $ 161,000 | $ 122,000 |
| Redding, CA | 10 | $ 1,424,000 | $ 142,400 | $ 114,000 |
| Yuba City, CA | 10 | $ 1,833,000 | $ 183,300 | $ 226,000 |
| Medford, OR | 9 | $ 1,600,000 | $ 177,777 | $ 178,000 |
| Pocatello, ID | 9 | $ 682,000 | $ 75,777 | $ 78,000 |
| Yakima, WA | 9 | $ 1,056,000 | $ 117,333 | $ 138,000 |
| Baton Rouge, LA | 8 | $ 1,339,000 | $ 167,375 | $ 158,000 |
| Bremerton-Silverdale, WA | 8 | $ 1,391,000 | $ 173,875 | $ 149,000 |
| Gary, IN | 8 | $ 1,222,000 | $ 152,750 | $ 124,000 |
| St. Louis, MO-IL | 8 | $ 895,000 | $ 111,875 | $ 154,000 |
| Carson City, NV | 7 | $ 1,540,000 | $ 220,000 | $ 118,000 |
| Louisville-Jefferson County, KY-IN | 7 | $ 529,000 | $ 75,571 | $ 72,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 7 | $ 2,353,000 | $ 336,142 | $ 270,000 |
| Salinas, CA | 7 | $ 1,830,000 | $ 261,428 | $ 157,000 |
| Boise City-Nampa, ID | 6 | $ 1,020,000 | $ 170,000 | $ 136,000 |
| Cleveland-Elyria-Mentor, OH | 6 | $ 919,000 | $ 153,166 | $ 198,000 |
| Warren-Troy-Farmington Hills, MI | 6 | $ 1,165,000 | $ 194,166 | $ 290,000 |
| Chico, CA | 5 | $ 947,000 | $ 189,400 | $ 152,000 |
| Columbus, OH | 5 | $ 374,000 | $ 74,800 | $ 98,000 |
| Houma-Bayou Cane-Thibodaux, LA | 5 | $ 530,000 | $ 106,000 | $ 106,000 |
| Morristown, TN | 5 | $ 911,000 | $ 182,200 | $ 284,000 |
| Yuma, AZ | 5 | $ 593,000 | $ 118,600 | $ 73,000 |
| Bend, OR | 4 | $ 907,000 | $ 226,750 | $ 169,000 |
| Coeur D'Alene, ID | 4 | $ 675,000 | $ 168,750 | $ 62,000 |
| Fort Wayne, IN | 4 | $ 360,000 | $ 90,000 | $ 104,000 |
| San Luis Obispo-Paso Robles, CA | 4 | $ 1,146,000 | $ 286,500 | $ 333,000 |
| Cheyenne, WY | 3 | $ 366,000 | $ 122,000 | $ 67,000 |
| Detroit-Livonia-Dearborn, MI | 3 | $ 279,000 | $ 93,000 | $ 145,000 |
| Eugene-Springfield, OR | 3 | $ 300,000 | $ 100,000 | $ 38,000 |
| Greeley, CO | 3 | $ 494,000 | $ 164,666 | $ 113,000 |
| Indianapolis-Carmel, IN | 3 | $ 233,000 | $ 77,666 | $ 87,000 |
| Prescott, AZ | 3 | $ 566,000 | $ 188,666 | $ 72,000 |
| Pueblo, CO | 3 | $ 335,000 | $ 111,666 | $ 174,000 |
| Roanoke, VA | 3 | $ 313,000 | $ 104,333 | $ 114,000 |
| Winchester, VA-WV | 3 | $ 628,000 | $ 209,333 | $ 164,000 |
| Alexandria, LA | 2 | $ 218,000 | $ 109,000 | $ 84,000 |
| Billings, MT | 2 | $ 249,000 | $ 124,500 | $ 133,000 |
| Cincinnati-Middletown, OH-KY-IN | 2 | $ 530,000 | $ 265,000 | $ 241,000 |
| Corvallis, OR | 2 | $ 279,000 | $ 139,500 | $ 86,000 |
| Flagstaff, AZ | 2 | $ 362,000 | $ 181,000 | $ 283,000 |
| Kansas City, MO-KS | 2 | $ 240,000 | $ 120,000 | $ 187,000 |
| Lafayette, IN | 2 | $ 230,000 | $ 115,000 | $ 180,000 |
| Olympia, WA | 2 | $ 260,000 | $ 130,000 | $ 70,000 |
| South Bend-Mishawaka, IN-MI | 2 | $ 155,000 | $ 77,500 | $ 77,000 |
| Tulsa, OK | 2 | $ 153,000 | $ 76,500 | $ 64,000 |
| Anderson, IN | 1 | $ 68,000 | $ 68,000 | $ 106,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 142,000 | $ 142,000 | $ 222,000 |
| Bellingham, WA | 1 | $ 61,000 | $ 61,000 | $ 95,000 |
| Charleston-North Charleston, SC | 1 | $ 379,000 | $ 379,000 | $ 170,000 |
| Charlottesville, VA | 1 | $ 210,000 | $ 210,000 | $ 40,000 |
| Colorado Springs, CO | 1 | $ 178,000 | $ 178,000 | $ 278,000 |
| Evansville, IN-KY | 1 | $ 50,000 | $ 50,000 | $ 78,000 |
| Fort Collins-Loveland, CO | 1 | $ 187,000 | $ 187,000 | $ 54,000 |
| Idaho Falls, ID | 1 | $ 60,000 | $ 60,000 | $ 94,000 |
| Knoxville, TN | 1 | $ 144,000 | $ 144,000 | $ 29,000 |
| Lexington-Fayette, KY | 1 | $ 401,000 | $ 401,000 | $ 627,000 |
| Lynchburg, VA | 1 | $ 141,000 | $ 141,000 | $ 44,000 |
| Memphis, TN-MS-AR | 1 | $ 165,000 | $ 165,000 | $ 131,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 159,000 | $ 159,000 | $ 60,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 1 | $ 504,000 | $ 504,000 | $ 118,000 |
| Nashville-Davidson--Murfreesboro, TN | 1 | $ 327,000 | $ 327,000 | $ 68,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 100,000 | $ 100,000 | $ 52,000 |
Mortgage Loan Application Detail Totals for Mlsg, 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 |
|---|---|---|---|---|---|---|
| Refinancing | 2,508 | $568,953,000 | $226,000 | $1,200,000 | $201,000 | $3,192,000 |
| Home Purchase | 1,911 | $362,059,000 | $189,000 | $940,000 | $194,000 | $1,469,000 |
| 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 | 1,965 | $418,664,000 | $213,000 | $1,200,000 | $285,000 | $1,875,000 |
| White | 1,140 | $222,912,000 | $195,000 | $927,000 | $116,000 | $1,289,000 |
| Hispanic | 803 | $173,726,000 | $216,000 | $1,000,000 | $139,000 | $3,192,000 |
| Black or African American | 338 | $72,413,000 | $214,000 | $808,000 | $116,000 | $1,263,000 |
| Asian | 122 | $31,185,000 | $255,000 | $1,000,000 | $184,000 | $1,469,000 |
| Native Hawaiian or Other Pacific Islander | 32 | $8,194,000 | $256,000 | $570,000 | $195,000 | $891,000 |
| American Indian or Alaskan Native | 19 | $3,918,000 | $206,000 | $632,000 | $119,000 | $277,000 |
| 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) | 4,419 | $931,012,000 | $210,000 | $1,200,000 | $198,000 | $3,192,000 |
| 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 | 1,636 | $338,280,000 | $206,000 | $1,000,000 | $91,000 | $3,192,000 |
| Application Denied By Financial Institution | 1,365 | $284,358,000 | $208,000 | $1,000,000 | $227,000 | $1,563,000 |
| Application Approved But Not Accepted | 1,133 | $246,383,000 | $217,000 | $1,200,000 | $288,000 | $1,875,000 |
| Application Withdrawn By Applicant | 285 | $61,991,000 | $217,000 | $910,000 | $310,000 | $1,422,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 867 | $191,094,000 | $220,000 | $1,000,000 | $256,000 | $1,563,000 |
| Credit History | 138 | $21,997,000 | $159,000 | $743,000 | $174,000 | $939,000 |
| Debt-To-Income Ratio | 131 | $25,036,000 | $191,000 | $652,000 | $232,000 | $1,020,000 |
| Employment History | 116 | $21,802,000 | $187,000 | $500,000 | $139,000 | $674,000 |
| Unverifiable Information | 72 | $18,404,000 | $255,000 | $750,000 | $168,000 | $906,000 |
| Collateral | 39 | $5,451,000 | $139,000 | $467,000 | $135,000 | $730,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $574,000 | $287,000 | $289,000 | $283,000 | $452,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mlsg, 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 Mlsg, 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 Nevada, download the full spreadsheet
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