Moneyline Lending Services Mortgage Lending & HMDA Data, 2007
In 2007, Moneyline Lending Services of Irvine, CA reported 921 mortgage applications totaling $269.7 million, down 63% from 2006. The average application was for $292,885, and applicants reported an average income of $118,515. 26% of its applications resulted in an originated loan and 33% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (212), Riverside-San Bernardino-Ontario, CA (163) and Santa Ana-Anaheim-Irvine, CA (87) (applications in parentheses).
| Mortgage Company & Address | Moneyline Lending Services 15420 Laguna Canyon Rd. Ste. 100 Irvine, CA 92618 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 921 |
| Total Mortgage Loan Application Amount | $269,748,000 |
| Average Mortgage Loan Application Amount | $292,885 |
| Highest Mortgage Loan Application Amount | $2,300,000 |
| Average Applicant Income | $118,515 |
| Highest Applicant Income | $3,498,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Moneyline Lending Services filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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-Glendale, CA | 212 | $ 69,082,000 | $ 325,858 | $ 110,000 |
| Riverside-San Bernardino-Ontario, CA | 163 | $ 46,726,000 | $ 286,662 | $ 158,000 |
| Santa Ana-Anaheim-Irvine, CA | 87 | $ 33,034,000 | $ 379,701 | $ 122,000 |
| Bakersfield, CA | 53 | $ 14,331,000 | $ 270,396 | $ 96,000 |
| Las Vegas-Paradise, NV | 41 | $ 8,686,000 | $ 211,853 | $ 108,000 |
| Visalia-Porterville, CA | 38 | $ 6,935,000 | $ 182,500 | $ 74,000 |
| Fresno, CA | 36 | $ 9,061,000 | $ 251,694 | $ 66,000 |
| San Diego-Carlsbad-San Marcos, CA | 26 | $ 9,624,000 | $ 370,153 | $ 79,000 |
| Phoenix-Mesa-Scottsdale, AZ | 17 | $ 3,510,000 | $ 206,470 | $ 147,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 16 | $ 5,659,000 | $ 353,687 | $ 226,000 |
| Madera, CA | 12 | $ 3,116,000 | $ 259,666 | $ 79,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 12 | $ 2,962,000 | $ 246,833 | $ 68,000 |
| Oakland-Fremont-Hayward, CA | 11 | $ 3,084,000 | $ 280,363 | $ 87,000 |
| Atlanta-Sandy Springs-Marietta, GA | 10 | $ 9,331,000 | $ 933,100 | $ 420,000 |
| Napa, CA | 10 | $ 4,505,000 | $ 450,500 | $ 196,000 |
| San Francisco-San Mateo-Redwood City, CA | 10 | $ 2,698,000 | $ 269,800 | $ 41,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 9 | $ 2,849,000 | $ 316,555 | $ 72,000 |
| Albuquerque, NM | 7 | $ 641,000 | $ 91,571 | $ 92,000 |
| Vallejo-Fairfield, CA | 6 | $ 2,585,000 | $ 430,833 | $ 201,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 5 | $ 761,000 | $ 152,200 | $ 44,000 |
| Salt Lake City, UT | 5 | $ 1,890,000 | $ 378,000 | $ 138,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 4 | $ 1,756,000 | $ 439,000 | $ 42,000 |
| Columbia, SC | 3 | $ 322,000 | $ 107,333 | $ 45,000 |
| Lake Havasu City-Kingman, AZ | 3 | $ 884,000 | $ 294,666 | $ 141,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 827,000 | $ 275,666 | $ 135,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3 | $ 930,000 | $ 310,000 | $ 227,000 |
| Portland-Vancouver-Beaverton, OR-WA | 3 | $ 532,000 | $ 177,333 | $ 234,666 |
| Reno-Sparks, NV | 3 | $ 675,000 | $ 225,000 | $ 64,000 |
| Seattle-Bellevue-Everett, WA | 3 | $ 619,000 | $ 206,333 | $ 112,000 |
| St. George, UT | 3 | $ 2,293,000 | $ 764,333 | $ 184,000 |
| Stockton, CA | 3 | $ 946,000 | $ 315,333 | $ 120,000 |
| Tucson, AZ | 3 | $ 642,000 | $ 214,000 | $ 140,000 |
| Denver-Aurora, CO | 2 | $ 220,000 | $ 110,000 | $ 66,000 |
| Lakeland, FL | 2 | $ 200,000 | $ 100,000 | $ 26,000 |
| Mount Vernon-Anacortes, WA | 2 | $ 394,000 | $ 197,000 | $ 67,000 |
| Redding, CA | 2 | $ 577,000 | $ 288,500 | $ 133,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 173,000 | $ 86,500 | $ 60,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 2 | $ 670,000 | $ 335,000 | $ 47,000 |
| Austin-Round Rock, TX | 1 | $ 80,000 | $ 80,000 | $ 182,000 |
| Bethesda-Gaithersburg-Frederick, MD | 1 | $ 620,000 | $ 620,000 | $ 220,000 |
| Eugene-Springfield, OR | 1 | $ 350,000 | $ 350,000 | $ 748,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 118,000 | $ 118,000 | $ 125,000 |
| Hanford-Corcoran, CA | 1 | $ 250,000 | $ 250,000 | $ 114,000 |
| Holland-Grand Haven, MI | 1 | $ 149,000 | $ 149,000 | $ 0 |
| Kansas City, MO-KS | 1 | $ 110,000 | $ 110,000 | $ 38,000 |
| Kennewick-Richland-Pasco, WA | 1 | $ 95,000 | $ 95,000 | $ 72,000 |
| Medford, OR | 1 | $ 275,000 | $ 275,000 | $ 48,000 |
| Midland, TX | 1 | $ 43,000 | $ 43,000 | $ 72,000 |
| Modesto, CA | 1 | $ 357,000 | $ 357,000 | $ 139,000 |
| Naples-Marco Island, FL | 1 | $ 111,000 | $ 111,000 | $ 0 |
| New Haven-Milford, CT | 1 | $ 150,000 | $ 150,000 | $ 57,000 |
| Orlando-Kissimmee, FL | 1 | $ 272,000 | $ 272,000 | $ 240,000 |
| Provo-Orem, UT | 1 | $ 164,000 | $ 164,000 | $ 512,000 |
| Salem, OR | 1 | $ 188,000 | $ 188,000 | $ 56,000 |
| Spokane, WA | 1 | $ 142,000 | $ 142,000 | $ 68,000 |
| St. Louis, MO-IL | 1 | $ 156,000 | $ 156,000 | $ 188,000 |
| Tacoma, WA | 1 | $ 365,000 | $ 365,000 | $ 120,000 |
Mortgage Loan Application Detail Totals for Moneyline Lending Services 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 |
|---|---|---|---|---|---|---|
| Refinancing | 453 | $134,228,000 | $296,000 | $2,300,000 | $105,000 | $1,200,000 |
| Home Purchase | 380 | $110,965,000 | $292,000 | $1,500,000 | $141,000 | $3,498,000 |
| Home Improvement | 88 | $24,555,000 | $279,000 | $2,150,000 | $91,000 | $624,000 |
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 |
|---|---|---|---|---|---|---|
| White | 332 | $100,532,000 | $302,000 | $2,300,000 | $138,000 | $1,200,000 |
| Hispanic | 316 | $86,199,000 | $272,000 | $1,470,000 | $110,000 | $3,498,000 |
| Not Provided | 74 | $22,548,000 | $304,000 | $1,000,000 | $147,000 | $748,000 |
| Not applicable | 71 | $20,752,000 | $292,000 | $956,000 | $0 | $0 |
| Black or African American | 58 | $17,152,000 | $295,000 | $968,000 | $138,000 | $347,000 |
| Asian | 55 | $18,184,000 | $330,000 | $1,000,000 | $140,000 | $300,000 |
| American Indian or Alaskan Native | 8 | $2,797,000 | $349,000 | $550,000 | $143,000 | $222,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $1,584,000 | $226,000 | $405,000 | $90,000 | $186,000 |
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) | 921 | $269,748,000 | $292,000 | $2,300,000 | $118,000 | $3,498,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 307 | $91,342,000 | $297,000 | $2,300,000 | $123,000 | $960,000 |
| Application Approved But Not Accepted | 298 | $88,506,000 | $297,000 | $2,250,000 | $118,000 | $1,200,000 |
| Loan Originated | 243 | $66,458,000 | $273,000 | $990,000 | $149,000 | $3,498,000 |
| Loan Purchased By The Institution | 71 | $20,752,000 | $292,000 | $956,000 | $0 | $0 |
| Application Withdrawn By Applicant | 1 | $2,250,000 | $2,250,000 | $2,250,000 | $0 | $0 |
| File Closed For Incompleteness | 1 | $440,000 | $440,000 | $440,000 | $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 | 123 | $31,523,000 | $256,000 | $968,000 | $119,000 | $780,000 |
| Other | 64 | $22,809,000 | $356,000 | $2,300,000 | $152,000 | $960,000 |
| Unverifiable Information | 42 | $15,152,000 | $360,000 | $1,470,000 | $140,000 | $396,000 |
| Debt-To-Income Ratio | 38 | $10,345,000 | $272,000 | $1,500,000 | $74,000 | $175,000 |
| Collateral | 30 | $7,444,000 | $248,000 | $1,003,000 | $104,000 | $316,000 |
| Employment History | 6 | $1,799,000 | $299,000 | $570,000 | $121,000 | $160,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $2,270,000 | $567,000 | $1,000,000 | $214,000 | $300,000 |
| 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 Moneyline Lending Services'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 Moneyline Lending Services'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.
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