Moneyline Lending Services Mortgage Lending & HMDA Data, 2006
In 2006, Moneyline Lending Services of Irvine, CA reported 2,469 mortgage applications totaling $702.1 million, down 29% from 2005. The average application was for $284,375, and applicants reported an average income of $122,387. 30% of its applications resulted in an originated loan and 36% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (427), Riverside-San Bernardino-Ontario, CA (400) and Santa Ana-Anaheim-Irvine, CA (233) (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 | 2,469 |
| Total Mortgage Loan Application Amount | $702,123,000 |
| Average Mortgage Loan Application Amount | $284,375 |
| Highest Mortgage Loan Application Amount | $5,600,000 |
| Average Applicant Income | $122,387 |
| Highest Applicant Income | $4,314,000 |
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records Moneyline Lending Services filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 427 | $ 138,496,000 | $ 324,346 | $ 121,000 |
| Riverside-San Bernardino-Ontario, CA | 400 | $ 119,507,000 | $ 298,767 | $ 148,000 |
| Santa Ana-Anaheim-Irvine, CA | 233 | $ 85,559,000 | $ 367,206 | $ 140,000 |
| Las Vegas-Paradise, NV | 134 | $ 32,640,000 | $ 243,582 | $ 132,000 |
| Visalia-Porterville, CA | 105 | $ 21,079,000 | $ 200,752 | $ 88,000 |
| San Diego-Carlsbad-San Marcos, CA | 92 | $ 35,016,000 | $ 380,608 | $ 98,000 |
| Fresno, CA | 78 | $ 17,798,000 | $ 228,179 | $ 75,000 |
| St. George, UT | 57 | $ 16,401,000 | $ 287,736 | $ 119,000 |
| Bakersfield, CA | 52 | $ 11,335,000 | $ 217,980 | $ 95,000 |
| Oakland-Fremont-Hayward, CA | 36 | $ 12,180,000 | $ 338,333 | $ 89,000 |
| Madera, CA | 32 | $ 7,233,000 | $ 226,031 | $ 104,000 |
| Santa Barbara-Santa Maria, CA | 31 | $ 16,908,000 | $ 545,419 | $ 136,000 |
| Phoenix-Mesa-Scottsdale, AZ | 26 | $ 5,062,000 | $ 194,692 | $ 108,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 26 | $ 8,487,000 | $ 326,423 | $ 123,000 |
| Vallejo-Fairfield, CA | 25 | $ 11,661,000 | $ 466,440 | $ 238,000 |
| Napa, CA | 24 | $ 13,707,000 | $ 571,125 | $ 144,000 |
| Reno-Sparks, NV | 20 | $ 6,141,000 | $ 307,050 | $ 114,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 17 | $ 7,068,000 | $ 415,764 | $ 154,000 |
| San Francisco-San Mateo-Redwood City, CA | 17 | $ 11,999,000 | $ 705,823 | $ 297,000 |
| Seattle-Bellevue-Everett, WA | 16 | $ 3,180,000 | $ 198,750 | $ 131,000 |
| Houston-Sugar Land-Baytown, TX | 15 | $ 2,238,000 | $ 149,200 | $ 154,000 |
| Salt Lake City, UT | 14 | $ 6,255,000 | $ 446,785 | $ 246,000 |
| Chicago-Naperville-Joliet, IL | 12 | $ 2,153,000 | $ 179,416 | $ 118,000 |
| Orlando-Kissimmee, FL | 12 | $ 2,412,000 | $ 201,000 | $ 87,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 12 | $ 4,332,000 | $ 361,000 | $ 79,000 |
| Tampa-St. Petersburg-Clearwater, FL | 12 | $ 2,372,000 | $ 197,666 | $ 99,000 |
| Miami-Miami Beach-Kendall, FL | 11 | $ 2,128,000 | $ 193,454 | $ 197,000 |
| Warren-Troy-Farmington Hills, MI | 11 | $ 1,876,000 | $ 170,545 | $ 125,000 |
| St. Louis, MO-IL | 10 | $ 1,592,000 | $ 159,200 | $ 69,600 |
| Denver-Aurora, CO | 9 | $ 2,249,000 | $ 249,888 | $ 64,000 |
| San Antonio, TX | 9 | $ 771,000 | $ 85,666 | $ 672,000 |
| Portland-Vancouver-Beaverton, OR-WA | 7 | $ 1,234,000 | $ 176,285 | $ 66,714 |
| San Luis Obispo-Paso Robles, CA | 7 | $ 3,932,000 | $ 561,714 | $ 33,000 |
| Tacoma, WA | 7 | $ 908,000 | $ 129,714 | $ 79,000 |
| Boise City-Nampa, ID | 6 | $ 742,000 | $ 123,666 | $ 79,000 |
| Dallas-Plano-Irving, TX | 6 | $ 627,000 | $ 104,500 | $ 98,000 |
| Hanford-Corcoran, CA | 6 | $ 1,456,000 | $ 242,666 | $ 102,000 |
| Jacksonville, FL | 6 | $ 808,000 | $ 134,666 | $ 84,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 6 | $ 1,908,000 | $ 318,000 | $ 136,000 |
| Mount Vernon-Anacortes, WA | 6 | $ 1,481,000 | $ 246,833 | $ 71,000 |
| Oklahoma City, OK | 6 | $ 429,000 | $ 71,500 | $ 94,000 |
| Cape Coral-Fort Myers, FL | 5 | $ 955,000 | $ 191,000 | $ 69,000 |
| Colorado Springs, CO | 5 | $ 794,000 | $ 158,800 | $ 120,000 |
| Kansas City, MO-KS | 5 | $ 776,000 | $ 155,200 | $ 112,000 |
| Nashville-Davidson--Murfreesboro, TN | 5 | $ 425,000 | $ 85,000 | $ 114,000 |
| New Haven-Milford, CT | 5 | $ 1,141,000 | $ 228,200 | $ 88,000 |
| Redding, CA | 5 | $ 945,000 | $ 189,000 | $ 63,000 |
| Tucson, AZ | 5 | $ 862,000 | $ 172,400 | $ 44,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 5 | $ 981,000 | $ 196,200 | $ 68,000 |
| Albuquerque, NM | 4 | $ 1,020,000 | $ 255,000 | $ 75,000 |
| Atlanta-Sandy Springs-Marietta, GA | 4 | $ 609,000 | $ 152,250 | $ 324,000 |
| Chico, CA | 4 | $ 646,000 | $ 161,500 | $ 147,000 |
| Eugene-Springfield, OR | 4 | $ 493,000 | $ 123,250 | $ 106,000 |
| Omaha-Council Bluffs, NE-IA | 4 | $ 606,000 | $ 151,500 | $ 41,000 |
| Prescott, AZ | 4 | $ 1,127,000 | $ 281,750 | $ 26,000 |
| Provo-Orem, UT | 4 | $ 486,000 | $ 121,500 | $ 40,000 |
| Santa Rosa-Petaluma, CA | 4 | $ 1,448,000 | $ 362,000 | $ 63,000 |
| Spokane, WA | 4 | $ 753,000 | $ 188,250 | $ 114,000 |
| Stockton, CA | 4 | $ 1,275,000 | $ 318,750 | $ 123,000 |
| Bellingham, WA | 3 | $ 862,000 | $ 287,333 | $ 440,000 |
| Carson City, NV | 3 | $ 511,000 | $ 170,333 | $ 79,000 |
| Charleston-North Charleston, SC | 3 | $ 666,000 | $ 222,000 | $ 94,000 |
| Detroit-Livonia-Dearborn, MI | 3 | $ 363,000 | $ 121,000 | $ 59,000 |
| Indianapolis-Carmel, IN | 3 | $ 450,000 | $ 150,000 | $ 53,000 |
| Kennewick-Richland-Pasco, WA | 3 | $ 281,000 | $ 93,666 | $ 88,000 |
| Lakeland, FL | 3 | $ 370,000 | $ 123,333 | $ 131,000 |
| Modesto, CA | 3 | $ 497,000 | $ 165,666 | $ 77,000 |
| Naples-Marco Island, FL | 3 | $ 1,266,000 | $ 422,000 | $ 159,000 |
| Santa Cruz-Watsonville, CA | 3 | $ 1,417,000 | $ 472,333 | $ 199,000 |
| Sarasota-Bradenton-Venice, FL | 3 | $ 416,000 | $ 138,666 | $ 56,000 |
| Yuba City, CA | 3 | $ 482,000 | $ 160,666 | $ 79,000 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 731,000 | $ 365,500 | $ 109,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 235,000 | $ 117,500 | $ 41,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 475,000 | $ 237,500 | $ 34,000 |
| Fort Wayne, IN | 2 | $ 248,000 | $ 124,000 | $ 39,000 |
| Grand Rapids-Wyoming, MI | 2 | $ 235,000 | $ 117,500 | $ 28,000 |
| Idaho Falls, ID | 2 | $ 460,000 | $ 230,000 | $ 99,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 368,000 | $ 184,000 | $ 78,000 |
| Logan, UT-ID | 2 | $ 157,000 | $ 78,500 | $ 58,000 |
| Medford, OR | 2 | $ 289,000 | $ 144,500 | $ 68,000 |
| New York-White Plains-Wayne, NY-NJ | 2 | $ 1,005,000 | $ 502,500 | $ 86,000 |
| Ocala, FL | 2 | $ 393,000 | $ 196,500 | $ 75,000 |
| Panama City-Lynn Haven, FL | 2 | $ 366,000 | $ 183,000 | $ 108,000 |
| Peoria, IL | 2 | $ 331,000 | $ 165,500 | $ 37,000 |
| Port St. Lucie-Fort Pierce, FL | 2 | $ 332,000 | $ 166,000 | $ 78,000 |
| Rochester, MN | 2 | $ 182,000 | $ 91,000 | $ 54,000 |
| Salem, OR | 2 | $ 129,000 | $ 64,500 | $ 29,000 |
| Tulsa, OK | 2 | $ 165,000 | $ 82,500 | $ 34,000 |
| Battle Creek, MI | 1 | $ 68,000 | $ 68,000 | $ 33,000 |
| Bend, OR | 1 | $ 195,000 | $ 195,000 | $ 77,000 |
| Bremerton-Silverdale, WA | 1 | $ 153,000 | $ 153,000 | $ 26,000 |
| Cedar Rapids, IA | 1 | $ 143,000 | $ 143,000 | $ 84,000 |
| Charlotte-Gastonia-Concord, NC-SC | 1 | $ 308,000 | $ 308,000 | $ 120,000 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 130,000 | $ 130,000 | $ 85,000 |
| Coeur D'Alene, ID | 1 | $ 150,000 | $ 150,000 | $ 30,000 |
| El Centro, CA | 1 | $ 238,000 | $ 238,000 | $ 58,000 |
| El Paso, TX | 1 | $ 144,000 | $ 144,000 | $ 240,000 |
| Evansville, IN-KY | 1 | $ 110,000 | $ 110,000 | $ 32,000 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 105,000 | $ 105,000 | $ 155,000 |
| Fort Worth-Arlington, TX | 1 | $ 216,000 | $ 216,000 | $ 96,000 |
| Grand Junction, CO | 1 | $ 115,000 | $ 115,000 | $ 27,000 |
| Greeley, CO | 1 | $ 165,000 | $ 165,000 | $ 53,000 |
| Holland-Grand Haven, MI | 1 | $ 166,000 | $ 166,000 | $ 48,000 |
| Honolulu, HI | 1 | $ 81,000 | $ 81,000 | $ 96,000 |
| Kankakee-Bradley, IL | 1 | $ 143,000 | $ 143,000 | $ 152,000 |
| Las Cruces, NM | 1 | $ 153,000 | $ 153,000 | $ 54,000 |
| Memphis, TN-MS-AR | 1 | $ 54,000 | $ 54,000 | $ 56,000 |
| Merced, CA | 1 | $ 225,000 | $ 225,000 | $ 53,000 |
| Michigan City-La Porte, IN | 1 | $ 162,000 | $ 162,000 | $ 56,000 |
| Monroe, MI | 1 | $ 210,000 | $ 210,000 | $ 0 |
| Ogden-Clearfield, UT | 1 | $ 180,000 | $ 180,000 | $ 66,000 |
| Olympia, WA | 1 | $ 125,000 | $ 125,000 | $ 58,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 750,000 | $ 750,000 | $ 120,000 |
| Pocatello, ID | 1 | $ 70,000 | $ 70,000 | $ 46,000 |
| Punta Gorda, FL | 1 | $ 163,000 | $ 163,000 | $ 46,000 |
| Rockford, IL | 1 | $ 265,000 | $ 265,000 | $ 60,000 |
| Saginaw-Saginaw Township North, MI | 1 | $ 255,000 | $ 255,000 | $ 120,000 |
| Springfield, MO | 1 | $ 60,000 | $ 60,000 | $ 48,000 |
| St. Joseph, MO-KS | 1 | $ 174,000 | $ 174,000 | $ 54,000 |
| Tallahassee, FL | 1 | $ 275,000 | $ 275,000 | $ 104,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 482,000 | $ 482,000 | $ 0 |
| Wilmington, NC | 1 | $ 155,000 | $ 155,000 | $ 72,000 |
| Yakima, WA | 1 | $ 175,000 | $ 175,000 | $ 53,000 |
| Yuma, AZ | 1 | $ 80,000 | $ 80,000 | $ 54,000 |
Mortgage Loan Application Detail Totals for Moneyline Lending Services 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 | 1,528 | $445,727,000 | $291,000 | $5,600,000 | $109,000 | $4,314,000 |
| Home Purchase | 790 | $216,041,000 | $273,000 | $2,000,000 | $156,000 | $3,000,000 |
| Home Improvement | 151 | $40,355,000 | $267,000 | $2,870,000 | $82,000 | $812,000 |
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 | 1,022 | $313,527,000 | $306,000 | $4,290,000 | $140,000 | $3,000,000 |
| Hispanic | 634 | $161,310,000 | $254,000 | $1,000,000 | $115,000 | $1,800,000 |
| Not Provided | 438 | $120,114,000 | $274,000 | $5,600,000 | $124,000 | $4,314,000 |
| Asian | 133 | $39,930,000 | $300,000 | $1,500,000 | $134,000 | $721,000 |
| Not applicable | 126 | $36,436,000 | $289,000 | $1,105,000 | $0 | $0 |
| Black or African American | 79 | $19,342,000 | $244,000 | $1,264,000 | $115,000 | $508,000 |
| American Indian or Alaskan Native | 22 | $7,353,000 | $334,000 | $1,060,000 | $168,000 | $802,000 |
| Native Hawaiian or Other Pacific Islander | 15 | $4,111,000 | $274,000 | $440,000 | $96,000 | $180,000 |
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) | 2,469 | $702,123,000 | $284,000 | $5,600,000 | $122,000 | $4,314,000 |
| 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 | 887 | $241,624,000 | $272,000 | $5,600,000 | $122,000 | $4,314,000 |
| Loan Originated | 751 | $200,075,000 | $266,000 | $2,000,000 | $124,000 | $3,000,000 |
| Application Approved But Not Accepted | 687 | $220,156,000 | $320,000 | $4,290,000 | $144,000 | $2,996,000 |
| Loan Purchased By The Institution | 126 | $36,436,000 | $289,000 | $1,105,000 | $0 | $0 |
| Application Withdrawn By Applicant | 12 | $2,610,000 | $217,000 | $452,000 | $75,000 | $180,000 |
| File Closed For Incompleteness | 6 | $1,222,000 | $203,000 | $288,000 | $137,000 | $420,000 |
| 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 | 396 | $91,781,000 | $231,000 | $1,100,000 | $106,000 | $1,440,000 |
| Debt-To-Income Ratio | 150 | $44,031,000 | $293,000 | $1,500,000 | $67,000 | $444,000 |
| Other | 136 | $51,781,000 | $380,000 | $5,600,000 | $179,000 | $4,314,000 |
| Unverifiable Information | 75 | $21,020,000 | $280,000 | $920,000 | $184,000 | $633,000 |
| Collateral | 73 | $18,329,000 | $251,000 | $900,000 | $145,000 | $1,800,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 31 | $8,138,000 | $262,000 | $625,000 | $136,000 | $1,440,000 |
| Employment History | 17 | $4,041,000 | $237,000 | $616,000 | $123,000 | $203,000 |
| Credit Application Incomplete | 9 | $2,503,000 | $278,000 | $600,000 | $86,000 | $240,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Moneyline Lending Services'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 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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