Mlsg, Inc. Mortgage Lending & HMDA Data, 2003
In 2003, Mlsg, Inc. of Reno, NV reported 7,625 mortgage applications totaling $1.2 billion. The average application was for $162,276, and applicants reported an average income of $46,451. 68% of its applications resulted in an originated loan and 29% were denied. Its largest markets were Los Angeles-Long Beach, CA (1,190), Riverside-San Bernardino, CA (801) and Sacramento, CA (320) (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 | 7,625 |
| Total Mortgage Loan Application Amount | $1,237,355,000 |
| Average Mortgage Loan Application Amount | $162,276 |
| Highest Mortgage Loan Application Amount | $900,000 |
| Average Applicant Income | $46,451 |
| Highest Applicant Income | $879,000 |
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Act (HMDA) records Mlsg, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Los Angeles-Long Beach, CA | 1,190 | $ 227,088,000 | $ 190,830 | $ 82,000 |
| Riverside-San Bernardino, CA | 801 | $ 121,334,000 | $ 151,478 | $ 50,000 |
| Sacramento, CA | 320 | $ 56,471,000 | $ 176,471 | $ 51,000 |
| Orange County, CA | 279 | $ 63,813,000 | $ 228,720 | $ 67,000 |
| Oakland, CA | 266 | $ 61,960,000 | $ 232,932 | $ 70,000 |
| San Diego, CA | 219 | $ 48,890,000 | $ 223,242 | $ 55,000 |
| Portland-Vancouver, OR-WA | 211 | $ 25,947,000 | $ 122,971 | $ 39,000 |
| Seattle-Bellevue-Everett, WA | 192 | $ 30,505,000 | $ 158,880 | $ 66,000 |
| San Jose, CA | 185 | $ 49,601,000 | $ 268,113 | $ 73,000 |
| Salt Lake City-Ogden, UT | 183 | $ 20,647,000 | $ 112,825 | $ 29,000 |
| Stockton-Lodi, CA | 162 | $ 26,657,000 | $ 164,549 | $ 43,000 |
| Reno, NV | 149 | $ 19,695,000 | $ 132,181 | $ 42,000 |
| Las Vegas, NV-AZ | 145 | $ 17,193,000 | $ 118,572 | $ 57,000 |
| Vallejo-Fairfield-Napa, CA | 130 | $ 26,445,000 | $ 203,423 | $ 63,000 |
| Phoenix-Mesa, AZ | 122 | $ 15,702,000 | $ 128,704 | $ 49,000 |
| Denver, CO | 121 | $ 16,749,000 | $ 138,421 | $ 30,000 |
| Detroit, MI | 120 | $ 13,255,000 | $ 110,458 | $ 35,000 |
| Bakersfield, CA | 114 | $ 11,830,000 | $ 103,771 | $ 46,000 |
| Tacoma, WA | 109 | $ 11,967,000 | $ 109,788 | $ 38,000 |
| Minneapolis-St. Paul, MN-WI | 102 | $ 15,463,000 | $ 151,598 | $ 43,000 |
| Salinas, CA | 85 | $ 18,043,000 | $ 212,270 | $ 58,000 |
| Modesto, CA | 84 | $ 12,802,000 | $ 152,404 | $ 46,000 |
| Fresno, CA | 76 | $ 8,921,000 | $ 117,381 | $ 43,000 |
| Tucson, AZ | 66 | $ 5,929,000 | $ 89,833 | $ 36,000 |
| Ventura, CA | 51 | $ 10,696,000 | $ 209,725 | $ 60,000 |
| San Francisco, CA | 47 | $ 13,906,000 | $ 295,872 | $ 72,000 |
| Visalia-Tulare-Porterville, CA | 45 | $ 4,083,000 | $ 90,733 | $ 40,000 |
| Merced, CA | 39 | $ 4,589,000 | $ 117,666 | $ 38,000 |
| Provo-Orem, UT | 39 | $ 5,208,000 | $ 133,538 | $ 40,000 |
| Salem, OR | 38 | $ 3,288,000 | $ 86,526 | $ 26,000 |
| Chico-Paradise, CA | 31 | $ 4,275,000 | $ 137,903 | $ 46,000 |
| Santa Rosa, CA | 28 | $ 6,694,000 | $ 239,071 | $ 46,000 |
| Colorado Springs, CO | 27 | $ 4,153,000 | $ 153,814 | $ 28,000 |
| Santa Cruz-Watsonville, CA | 20 | $ 4,632,000 | $ 231,600 | $ 80,000 |
| Eau Claire, WI | 19 | $ 1,506,000 | $ 79,263 | $ 33,000 |
| Santa Fe, NM | 17 | $ 3,202,000 | $ 188,352 | $ 50,000 |
| Gary, IN | 16 | $ 1,430,000 | $ 89,375 | $ 48,000 |
| Yakima, WA | 15 | $ 961,000 | $ 64,066 | $ 13,000 |
| Lansing-East Lansing, MI | 14 | $ 1,162,000 | $ 83,000 | $ 29,000 |
| Medford-Ashland, OR | 14 | $ 1,331,000 | $ 95,071 | $ 50,000 |
| Casper, WY | 13 | $ 1,116,000 | $ 85,846 | $ 28,000 |
| Olympia, WA | 13 | $ 1,305,000 | $ 100,384 | $ 24,000 |
| Yolo, CA | 13 | $ 2,048,000 | $ 157,538 | $ 51,000 |
| Redding, CA | 12 | $ 1,129,000 | $ 94,083 | $ 11,000 |
| Milwaukee-Waukesha, WI | 11 | $ 765,000 | $ 69,545 | $ 45,000 |
| St. Cloud, MN | 11 | $ 984,000 | $ 89,454 | $ 46,000 |
| Bremerton, WA | 9 | $ 922,000 | $ 102,444 | $ 65,000 |
| Richmond-Petersburg, VA | 9 | $ 678,000 | $ 75,333 | $ 9,000 |
| Grand Rapids-Muskegon-Holland, MI | 8 | $ 819,000 | $ 102,375 | $ 66,000 |
| Kansas City, MO-KS | 8 | $ 692,000 | $ 86,500 | $ 22,000 |
| New Orleans, LA | 8 | $ 1,192,000 | $ 149,000 | $ 36,000 |
| Albuquerque, NM | 7 | $ 631,000 | $ 90,142 | $ 27,000 |
| Cleveland-Lorain-Elyria, OH | 7 | $ 556,000 | $ 79,428 | $ 30,000 |
| Columbus, OH | 7 | $ 1,138,000 | $ 162,571 | $ 17,000 |
| Greeley, CO | 7 | $ 840,000 | $ 120,000 | $ 0 |
| Santa Barbara-Santa Maria-Lompoc, CA | 7 | $ 1,808,000 | $ 258,285 | $ 18,000 |
| St. Louis, MO-IL | 7 | $ 718,000 | $ 102,571 | $ 43,000 |
| Atlanta, GA | 6 | $ 1,011,000 | $ 168,500 | $ 50,000 |
| Louisville, KY-IN | 6 | $ 459,000 | $ 76,500 | $ 47,000 |
| Tampa-St. Petersburg-Clearwater, FL | 6 | $ 793,000 | $ 132,166 | $ 34,000 |
| Eugene-Springfield, OR | 5 | $ 535,000 | $ 107,000 | $ 25,000 |
| Grand Junction, CO | 5 | $ 760,000 | $ 152,000 | $ 23,000 |
| Cheyenne, WY | 4 | $ 492,000 | $ 123,000 | $ 9,000 |
| Fort Walton Beach, FL | 4 | $ 498,000 | $ 124,500 | $ 98,000 |
| Indianapolis, IN | 4 | $ 408,000 | $ 102,000 | $ 23,000 |
| Sheboygan, WI | 4 | $ 244,000 | $ 61,000 | $ 18,000 |
| Spokane, WA | 4 | $ 511,000 | $ 127,750 | $ 34,000 |
| Yuba City, CA | 4 | $ 469,000 | $ 117,250 | $ 43,000 |
| Appleton-Oshkosh-Neenah, WI | 3 | $ 258,000 | $ 86,000 | $ 46,000 |
| Baton Rouge, LA | 3 | $ 319,000 | $ 106,333 | $ 0 |
| Bloomington, IN | 3 | $ 538,000 | $ 179,333 | $ 27,000 |
| Dayton-Springfield, OH | 3 | $ 146,000 | $ 48,666 | $ 50,000 |
| Duluth-Superior, MN-WI | 3 | $ 422,000 | $ 140,666 | $ 45,000 |
| Fort Collins-Loveland, CO | 3 | $ 668,000 | $ 222,666 | $ 42,000 |
| Fort Lauderdale, FL | 3 | $ 719,000 | $ 239,666 | $ 0 |
| Jackson, MI | 3 | $ 262,000 | $ 87,333 | $ 0 |
| Las Cruces, NM | 3 | $ 403,000 | $ 134,333 | $ 14,000 |
| Madison, WI | 3 | $ 915,000 | $ 305,000 | $ 112,000 |
| Oklahoma City, OK | 3 | $ 446,000 | $ 148,666 | $ 71,000 |
| Pueblo, CO | 3 | $ 316,000 | $ 105,333 | $ 0 |
| San Luis Obispo-Atascadero-Paso Robles, CA | 3 | $ 805,000 | $ 268,333 | $ 84,000 |
| Toledo, OH | 3 | $ 227,000 | $ 75,666 | $ 14,000 |
| Tulsa, OK | 3 | $ 133,000 | $ 44,333 | $ 33,000 |
| Ann Arbor, MI | 2 | $ 645,000 | $ 322,500 | $ 78,000 |
| Bellingham, WA | 2 | $ 158,000 | $ 79,000 | $ 50,000 |
| Boise City, ID | 2 | $ 353,000 | $ 176,500 | $ 0 |
| Boulder-Longmont, CO | 2 | $ 714,000 | $ 357,000 | $ 124,000 |
| Flagstaff, AZ-UT | 2 | $ 97,000 | $ 48,500 | $ 0 |
| Flint, MI | 2 | $ 248,000 | $ 124,000 | $ 66,000 |
| Green Bay, WI | 2 | $ 161,000 | $ 80,500 | $ 0 |
| Honolulu, HI | 2 | $ 600,000 | $ 300,000 | $ 0 |
| Lexington, KY | 2 | $ 349,000 | $ 174,500 | $ 0 |
| Macon, GA | 2 | $ 216,000 | $ 108,000 | $ 40,000 |
| Melbourne-Titusville-Palm Bay, FL | 2 | $ 153,000 | $ 76,500 | $ 97,000 |
| Miami, FL | 2 | $ 248,000 | $ 124,000 | $ 52,000 |
| Naples, FL | 2 | $ 372,000 | $ 186,000 | $ 98,000 |
| Richland-Kennewick-Pasco, WA | 2 | $ 151,000 | $ 75,500 | $ 69,000 |
| Sarasota-Bradenton, FL | 2 | $ 135,000 | $ 67,500 | $ 49,000 |
| Akron, OH | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Charlottesville, VA | 1 | $ 60,000 | $ 60,000 | $ 22,000 |
| Cincinnati, OH-KY-IN | 1 | $ 78,000 | $ 78,000 | $ 51,000 |
| Daytona Beach, FL | 1 | $ 80,000 | $ 80,000 | $ 42,000 |
| Gainesville, FL | 1 | $ 150,000 | $ 150,000 | $ 69,000 |
| Janesville-Beloit, WI | 1 | $ 56,000 | $ 56,000 | $ 29,000 |
| Kalamazoo-Battle Creek, MI | 1 | $ 116,000 | $ 116,000 | $ 0 |
| Lima, OH | 1 | $ 69,000 | $ 69,000 | $ 33,000 |
| Lynchburg, VA | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Memphis, TN-AR-MS | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Norfolk-Virginia Beach-Newport News, VA-NC | 1 | $ 167,000 | $ 167,000 | $ 77,000 |
| Orlando, FL | 1 | $ 145,000 | $ 145,000 | $ 97,000 |
| Roanoke, VA | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Rochester, MN | 1 | $ 121,000 | $ 121,000 | $ 29,000 |
| Springfield, MO | 1 | $ 65,000 | $ 65,000 | $ 0 |
| West Palm Beach-Boca Raton, FL | 1 | $ 340,000 | $ 340,000 | $ 205,000 |
| Wichita, KS | 1 | $ 66,000 | $ 66,000 | $ 0 |
| Youngstown-Warren, OH | 1 | $ 90,000 | $ 90,000 | $ 59,000 |
Mortgage Loan Application Detail Totals for Mlsg, Inc. in 2003
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 (home purchase or home improvement, one-to-four family) | 5,915 | $998,793,000 | $135,892 | $900,000 | $22,107 | $879,000 |
| Home Purchase (one-to-four family) | 1,710 | $238,562,000 | $102,666 | $594,000 | $55,476 | $447,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement (one-to-four family) | 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 |
|---|---|---|---|---|---|---|
| Information not provided by applicant in mail or telephone application | 3,651 | $599,115,000 | $135,535 | $900,000 | $7,142 | $278,000 |
| White | 1,950 | $311,398,000 | $136,652 | $680,000 | $67,130 | $553,000 |
| Hispanic | 1,253 | $195,856,000 | $140,307 | $552,000 | $70,384 | $879,000 |
| Black | 364 | $56,940,000 | $135,000 | $518,000 | $63,625 | $305,000 |
| Asian or Pacific Islander | 341 | $63,259,000 | $134,111 | $554,000 | $62,777 | $180,000 |
| Other | 38 | $6,754,000 | $130,200 | $500,000 | $81,800 | $545,000 |
| American Indian or Alaskan Native | 28 | $4,033,000 | $113,400 | $440,000 | $56,000 | $162,000 |
| 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) | 7,625 | $1,237,355,000 | $133,035 | $900,000 | $27,071 | $879,000 |
| 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 | 5,204 | $849,056,000 | $130,555 | $900,000 | $48,000 | $879,000 |
| Application Denied By Financial Institution | 2,239 | $358,750,000 | $135,925 | $600,000 | $3,222 | $361,000 |
| Application Withdrawn By Applicant | 182 | $29,549,000 | $138,444 | $520,000 | $7,944 | $144,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application 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 |
|---|---|---|---|---|---|---|
| Other | 964 | $155,217,000 | $141,555 | $580,000 | $2,407 | $361,000 |
| Credit History | 533 | $82,885,000 | $134,391 | $600,000 | $1,217 | $210,000 |
| Debt-To-Income Ratio | 307 | $54,289,000 | $123,555 | $577,000 | $4,277 | $125,000 |
| Employment History | 145 | $22,536,000 | $99,500 | $500,000 | $13,642 | $180,000 |
| Collateral | 106 | $14,998,000 | $121,785 | $480,000 | $1,357 | $77,000 |
| Unverifiable Information | 74 | $13,274,000 | $138,444 | $480,000 | $23,555 | $234,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $1,444,000 | $112,666 | $359,000 | $15,333 | $174,000 |
| Credit Application Incomplete | 2 | $214,000 | $107,000 | $175,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mlsg, Inc.'s 2003 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.
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