Mortgage Process Center Mortgage Lending & HMDA Data, 2006
In 2006, Mortgage Process Center of Citrus Heights, CA reported 1,167 mortgage applications totaling $303.4 million, up 120% from 2005. The average application was for $260,006, and applicants reported an average income of $116,855. 51% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Sacramento--Arden-Arcade--Roseville, CA (450), Stockton, CA (133) and Riverside-San Bernardino-Ontario, CA (68) (applications in parentheses).
| Mortgage Company & Address | Mortgage Process Center 7921 Kingswood Dr #A3 Citrus Heights, CA 95610 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 |
| Total Number of Mortgage Applications | 1,167 |
| Total Mortgage Loan Application Amount | $303,428,000 |
| Average Mortgage Loan Application Amount | $260,006 |
| Highest Mortgage Loan Application Amount | $2,200,000 |
| Average Applicant Income | $116,855 |
| Highest Applicant Income | $964,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Mortgage Process Center filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 450 | $ 111,268,000 | $ 247,262 | $ 115,000 |
| Stockton, CA | 133 | $ 34,663,000 | $ 260,624 | $ 107,000 |
| Riverside-San Bernardino-Ontario, CA | 68 | $ 15,048,000 | $ 221,294 | $ 100,000 |
| Los Angeles-Long Beach-Glendale, CA | 65 | $ 18,397,000 | $ 283,030 | $ 106,000 |
| Oakland-Fremont-Hayward, CA | 43 | $ 15,300,000 | $ 355,813 | $ 151,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 39 | $ 15,237,000 | $ 390,692 | $ 168,000 |
| Vallejo-Fairfield, CA | 35 | $ 9,914,000 | $ 283,257 | $ 103,000 |
| Merced, CA | 31 | $ 8,449,000 | $ 272,548 | $ 111,000 |
| Modesto, CA | 28 | $ 5,905,000 | $ 210,892 | $ 106,000 |
| Yuba City, CA | 25 | $ 4,520,000 | $ 180,800 | $ 102,000 |
| Seattle-Bellevue-Everett, WA | 24 | $ 7,849,000 | $ 327,041 | $ 99,000 |
| Santa Ana-Anaheim-Irvine, CA | 20 | $ 7,132,000 | $ 356,600 | $ 91,000 |
| Fresno, CA | 18 | $ 3,809,000 | $ 211,611 | $ 169,000 |
| San Diego-Carlsbad-San Marcos, CA | 15 | $ 5,051,000 | $ 336,733 | $ 113,000 |
| San Francisco-San Mateo-Redwood City, CA | 12 | $ 3,877,000 | $ 323,083 | $ 150,000 |
| Tacoma, WA | 12 | $ 2,686,000 | $ 223,833 | $ 119,000 |
| Chico, CA | 11 | $ 1,966,000 | $ 178,727 | $ 90,000 |
| Salinas, CA | 10 | $ 3,262,000 | $ 326,200 | $ 162,000 |
| Anchorage, AK | 9 | $ 1,995,000 | $ 221,666 | $ 110,000 |
| Portland-Vancouver-Beaverton, OR-WA | 9 | $ 1,912,000 | $ 212,444 | $ 132,888 |
| Bakersfield, CA | 6 | $ 889,000 | $ 148,166 | $ 70,000 |
| Las Vegas-Paradise, NV | 6 | $ 1,474,000 | $ 245,666 | $ 60,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 6 | $ 1,684,000 | $ 280,666 | $ 121,000 |
| Napa, CA | 5 | $ 1,134,000 | $ 226,800 | $ 103,000 |
| Honolulu, HI | 4 | $ 940,000 | $ 235,000 | $ 107,000 |
| Madera, CA | 4 | $ 891,000 | $ 222,750 | $ 89,000 |
| Redding, CA | 4 | $ 516,000 | $ 129,000 | $ 180,000 |
| Salem, OR | 4 | $ 414,000 | $ 103,500 | $ 48,000 |
| Santa Barbara-Santa Maria, CA | 4 | $ 1,271,000 | $ 317,750 | $ 204,000 |
| Visalia-Porterville, CA | 4 | $ 456,000 | $ 114,000 | $ 134,000 |
| Reno-Sparks, NV | 3 | $ 963,000 | $ 321,000 | $ 147,000 |
| Santa Rosa-Petaluma, CA | 3 | $ 735,000 | $ 245,000 | $ 124,000 |
| El Centro, CA | 2 | $ 339,000 | $ 169,500 | $ 89,000 |
| Houston-Sugar Land-Baytown, TX | 2 | $ 351,000 | $ 175,500 | $ 0 |
| Kennewick-Richland-Pasco, WA | 2 | $ 452,000 | $ 226,000 | $ 90,000 |
| San Luis Obispo-Paso Robles, CA | 2 | $ 600,000 | $ 300,000 | $ 144,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 885,000 | $ 442,500 | $ 135,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 363,000 | $ 181,500 | $ 21,000 |
| Bend, OR | 1 | $ 249,000 | $ 249,000 | $ 142,000 |
| Denver-Aurora, CO | 1 | $ 163,000 | $ 163,000 | $ 147,000 |
| Gainesville, FL | 1 | $ 253,000 | $ 253,000 | $ 0 |
| Mount Vernon-Anacortes, WA | 1 | $ 777,000 | $ 777,000 | $ 240,000 |
| San Antonio, TX | 1 | $ 101,000 | $ 101,000 | $ 240,000 |
Mortgage Loan Application Detail Totals for Mortgage Process Center 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 | 758 | $204,648,000 | $269,000 | $2,200,000 | $113,000 | $964,000 |
| Home Purchase | 409 | $98,780,000 | $241,000 | $1,725,000 | $124,000 | $624,000 |
| 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 | 515 | $137,774,000 | $267,000 | $1,343,000 | $126,000 | $964,000 |
| Hispanic | 423 | $103,668,000 | $245,000 | $985,000 | $106,000 | $399,000 |
| Asian | 113 | $33,622,000 | $297,000 | $2,200,000 | $115,000 | $624,000 |
| Black or African American | 73 | $18,581,000 | $254,000 | $650,000 | $110,000 | $306,000 |
| Not Provided | 20 | $3,573,000 | $178,000 | $525,000 | $143,000 | $470,000 |
| Native Hawaiian or Other Pacific Islander | 16 | $4,643,000 | $290,000 | $825,000 | $115,000 | $264,000 |
| American Indian or Alaskan Native | 7 | $1,567,000 | $223,000 | $563,000 | $90,000 | $178,000 |
| 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) | 1,166 | $303,127,000 | $259,000 | $2,200,000 | $117,000 | $964,000 |
| FHA-insured (Federal Housing Administration) | 1 | $301,000 | $301,000 | $301,000 | $134,000 | $134,000 |
| 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 | 594 | $148,717,000 | $250,000 | $945,000 | $122,000 | $600,000 |
| Application Withdrawn By Applicant | 226 | $63,260,000 | $279,000 | $2,200,000 | $98,000 | $964,000 |
| Application Denied By Financial Institution | 196 | $50,798,000 | $259,000 | $1,343,000 | $124,000 | $339,000 |
| Application Approved But Not Accepted | 136 | $37,256,000 | $273,000 | $833,000 | $114,000 | $324,000 |
| Preapproval Denied by Financial Institution | 14 | $2,971,000 | $212,000 | $504,000 | $98,000 | $144,000 |
| File Closed For Incompleteness | 1 | $426,000 | $426,000 | $426,000 | $189,000 | $189,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval 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 |
|---|---|---|---|---|---|---|
| Credit History | 18 | $4,337,000 | $240,000 | $784,000 | $99,000 | $226,000 |
| Other | 4 | $726,000 | $181,000 | $320,000 | $118,000 | $270,000 |
| Collateral | 2 | $378,000 | $189,000 | $278,000 | $104,000 | $109,000 |
| Debt-To-Income Ratio | 1 | $334,000 | $334,000 | $334,000 | $198,000 | $198,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mortgage Process Center'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 Mortgage Process Center'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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