Moneyone, Inc. Mortgage Lending & HMDA Data, 2009
In 2009, Moneyone, Inc. of Sacramento, CA reported 157 mortgage applications totaling $42.7 million, down 39% from 2008. The average application was for $271,929, and applicants reported an average income of $135,171. 37% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Sacramento--Arden-Arcade--Roseville, CA (109), Los Angeles-Long Beach-Glendale, CA (13) and San Diego-Carlsbad-San Marcos, CA (6) (applications in parentheses).
| Mortgage Company & Address | Moneyone, Inc. 2100 Watt Avenue, Suite 155 Sacramento, CA 95825 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 157 |
| Total Mortgage Loan Application Amount | $42,693,000 |
| Average Mortgage Loan Application Amount | $271,929 |
| Highest Mortgage Loan Application Amount | $785,000 |
| Average Applicant Income | $135,171 |
| Highest Applicant Income | $1,545,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Moneyone, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Sacramento--Arden-Arcade--Roseville, CA | 109 | $ 27,977,000 | $ 256,669 | $ 132,000 |
| Los Angeles-Long Beach-Glendale, CA | 13 | $ 4,287,000 | $ 329,769 | $ 84,000 |
| San Diego-Carlsbad-San Marcos, CA | 6 | $ 2,207,000 | $ 367,833 | $ 107,000 |
| Oakland-Fremont-Hayward, CA | 4 | $ 1,437,000 | $ 359,250 | $ 91,000 |
| Modesto, CA | 2 | $ 373,000 | $ 186,500 | $ 50,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 573,000 | $ 286,500 | $ 826,000 |
| San Francisco-San Mateo-Redwood City, CA | 2 | $ 739,000 | $ 369,500 | $ 105,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 949,000 | $ 474,500 | $ 127,000 |
| San Luis Obispo-Paso Robles, CA | 2 | $ 435,000 | $ 217,500 | $ 52,000 |
| Yuba City, CA | 2 | $ 467,000 | $ 233,500 | $ 84,000 |
| Fresno, CA | 1 | $ 140,000 | $ 140,000 | $ 101,000 |
| Redding, CA | 1 | $ 128,000 | $ 128,000 | $ 125,000 |
| Santa Ana-Anaheim-Irvine, CA | 1 | $ 388,000 | $ 388,000 | $ 115,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 449,000 | $ 449,000 | $ 877,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 325,000 | $ 325,000 | $ 113,000 |
| Vallejo-Fairfield, CA | 1 | $ 346,000 | $ 346,000 | $ 113,000 |
Mortgage Loan Application Detail Totals for Moneyone, Inc. in 2009
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 | 91 | $26,307,000 | $289,000 | $785,000 | $144,000 | $1,545,000 |
| Home Purchase | 66 | $16,386,000 | $248,000 | $729,000 | $123,000 | $1,545,000 |
| 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 |
|---|---|---|---|---|---|---|
| White | 107 | $29,221,000 | $273,000 | $785,000 | $160,000 | $1,545,000 |
| Not Provided | 28 | $7,951,000 | $283,000 | $590,000 | $77,000 | $181,000 |
| Hispanic | 8 | $2,463,000 | $307,000 | $588,000 | $76,000 | $115,000 |
| Black or African American | 7 | $1,572,000 | $224,000 | $340,000 | $65,000 | $107,000 |
| Asian | 6 | $1,298,000 | $216,000 | $387,000 | $125,000 | $184,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $188,000 | $188,000 | $188,000 | $109,000 | $109,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 113 | $31,691,000 | $280,000 | $785,000 | $161,000 | $1,545,000 |
| FHA-insured (Federal Housing Administration) | 43 | $10,776,000 | $250,000 | $588,000 | $68,000 | $149,000 |
| VA-guaranteed (Veterans Administration) | 1 | $226,000 | $226,000 | $226,000 | $61,000 | $61,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 Withdrawn By Applicant | 75 | $20,653,000 | $275,000 | $729,000 | $101,000 | $877,000 |
| Loan Originated | 58 | $14,978,000 | $258,000 | $588,000 | $198,000 | $1,545,000 |
| Application Denied By Financial Institution | 18 | $5,649,000 | $313,000 | $785,000 | $94,000 | $418,000 |
| File Closed For Incompleteness | 6 | $1,413,000 | $235,000 | $455,000 | $69,000 | $149,000 |
| Application Approved But Not Accepted | 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 History | 11 | $2,929,000 | $266,000 | $785,000 | $66,000 | $101,000 |
| Collateral | 6 | $2,336,000 | $389,000 | $690,000 | $130,000 | $418,000 |
| Employment History | 1 | $384,000 | $384,000 | $384,000 | $181,000 | $181,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Moneyone, Inc.'s 2009 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 Moneyone, 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 California, download the full spreadsheet
with aggregated HMDA statistics today.
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