Multi-State Home Lending Inc. Mortgage Lending & HMDA Data, 2010
In 2010, Multi-State Home Lending Inc. of Irvine, CA reported 993 mortgage applications totaling $319.9 million, down 72% from 2009. The average application was for $322,112, and applicants reported an average income of $112,498. 41% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (169), Santa Ana-Anaheim-Irvine, CA (133) and Riverside-San Bernardino-Ontario, CA (86) (applications in parentheses).
| Mortgage Company & Address | Multi-State Home Lending Inc. 2081 Business Center Drive Suite 190 Irvine, CA 92612 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 |
| Total Number of Mortgage Applications | 993 |
| Total Mortgage Loan Application Amount | $319,858,000 |
| Average Mortgage Loan Application Amount | $322,112 |
| Highest Mortgage Loan Application Amount | $1,370,000 |
| Average Applicant Income | $112,498 |
| Highest Applicant Income | $662,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Multi-State Home Lending Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles, California | 169 | $ 60,658,000 | $ 358,923 | $ 111,000 |
| Orange, California | 133 | $ 51,923,000 | $ 390,398 | $ 122,000 |
| Riverside, California | 51 | $ 12,928,000 | $ 253,490 | $ 91,000 |
| San Diego, California | 47 | $ 16,237,000 | $ 345,468 | $ 107,000 |
| San Bernardino, California | 35 | $ 10,360,000 | $ 296,000 | $ 106,000 |
| Clark, Nevada | 34 | $ 8,549,000 | $ 251,441 | $ 97,000 |
| Alameda, California | 28 | $ 12,409,000 | $ 443,178 | $ 119,000 |
| Sacramento, California | 23 | $ 6,169,000 | $ 268,217 | $ 89,000 |
| San Mateo, California | 20 | $ 8,782,000 | $ 439,100 | $ 296,000 |
| Santa Clara, California | 19 | $ 8,029,000 | $ 422,578 | $ 106,000 |
| Contra Costa, California | 15 | $ 5,490,000 | $ 366,000 | $ 147,000 |
| San Joaquin, California | 15 | $ 4,176,000 | $ 278,400 | $ 100,000 |
| Ventura, California | 13 | $ 6,020,000 | $ 463,076 | $ 119,000 |
| Washoe, Nevada | 13 | $ 3,313,000 | $ 254,846 | $ 95,000 |
| Fresno, California | 11 | $ 2,933,000 | $ 266,636 | $ 110,000 |
| Sonoma, California | 11 | $ 4,542,000 | $ 412,909 | $ 119,000 |
| King, Washington | 11 | $ 3,303,000 | $ 300,272 | $ 94,000 |
| Maricopa, Arizona | 10 | $ 2,651,000 | $ 265,100 | $ 117,000 |
| El Dorado, California | 10 | $ 3,612,000 | $ 361,200 | $ 119,000 |
| San Luis Obispo, California | 9 | $ 3,776,000 | $ 419,555 | $ 114,000 |
| Hillsborough, Florida | 8 | $ 1,557,000 | $ 194,625 | $ 89,000 |
| Palm Beach, Florida | 8 | $ 2,167,000 | $ 270,875 | $ 124,000 |
| Placer, California | 7 | $ 1,829,000 | $ 261,285 | $ 243,000 |
| Collin, Texas | 7 | $ 1,514,000 | $ 216,285 | $ 164,000 |
| Tarrant, Texas | 7 | $ 1,417,000 | $ 202,428 | $ 86,000 |
| Pima, Arizona | 6 | $ 3,183,000 | $ 530,500 | $ 201,000 |
| Kern, California | 6 | $ 1,396,000 | $ 232,666 | $ 95,000 |
| San Francisco, California | 6 | $ 3,324,000 | $ 554,000 | $ 186,000 |
| Santa Barbara, California | 6 | $ 1,784,000 | $ 297,333 | $ 89,000 |
| Santa Cruz, California | 6 | $ 3,150,000 | $ 525,000 | $ 147,000 |
| Shasta, California | 6 | $ 1,444,000 | $ 240,666 | $ 67,000 |
| Honolulu, Hawaii | 6 | $ 2,985,000 | $ 497,500 | $ 156,000 |
| Denton, Texas | 6 | $ 1,205,000 | $ 200,833 | $ 106,000 |
| Solano, California | 5 | $ 1,017,000 | $ 203,400 | $ 108,000 |
| Stanislaus, California | 5 | $ 1,160,000 | $ 232,000 | $ 105,000 |
| Churchill, Nevada | 5 | $ 1,196,000 | $ 239,200 | $ 92,000 |
| Harris, Texas | 5 | $ 727,000 | $ 145,400 | $ 71,000 |
| Marin, California | 4 | $ 1,639,000 | $ 409,750 | $ 140,000 |
| Monterey, California | 4 | $ 1,840,000 | $ 460,000 | $ 117,000 |
| Nevada, California | 4 | $ 1,317,000 | $ 329,250 | $ 96,000 |
| Tulare, California | 4 | $ 746,000 | $ 186,500 | $ 69,000 |
| Broward, Florida | 4 | $ 999,000 | $ 249,750 | $ 103,000 |
| St. Lucie, Florida | 4 | $ 970,000 | $ 242,500 | $ 89,000 |
| Kootenai, Idaho | 4 | $ 1,061,000 | $ 265,250 | $ 83,000 |
| Douglas, Nevada | 4 | $ 1,233,000 | $ 308,250 | $ 102,000 |
| Dallas, Texas | 4 | $ 674,000 | $ 168,500 | $ 62,000 |
| Butte, California | 3 | $ 575,000 | $ 191,666 | $ 49,000 |
| Madera, California | 3 | $ 624,000 | $ 208,000 | $ 77,000 |
| Duval, Florida | 3 | $ 579,000 | $ 193,000 | $ 82,000 |
| Orange, Florida | 3 | $ 612,000 | $ 204,000 | $ 64,000 |
| Pasco, Florida | 3 | $ 612,000 | $ 204,000 | $ 80,000 |
| Seminole, Florida | 3 | $ 736,000 | $ 245,333 | $ 93,000 |
| Gwinnett, Georgia | 3 | $ 801,000 | $ 267,000 | $ 134,000 |
| Bexar, Texas | 3 | $ 681,000 | $ 227,000 | $ 100,000 |
| Travis, Texas | 3 | $ 514,000 | $ 171,333 | $ 64,000 |
| Chesterfield, Virginia | 3 | $ 878,000 | $ 292,666 | $ 105,000 |
| Fairfax, Virginia | 3 | $ 1,000,000 | $ 333,333 | $ 88,000 |
| Snohomish, Washington | 3 | $ 1,144,000 | $ 381,333 | $ 112,000 |
| Mohave, Arizona | 2 | $ 186,000 | $ 93,000 | $ 144,000 |
| Pinal, Arizona | 2 | $ 206,000 | $ 103,000 | $ 54,000 |
| Calaveras, California | 2 | $ 384,000 | $ 192,000 | $ 55,000 |
| Imperial, California | 2 | $ 536,000 | $ 268,000 | $ 121,000 |
| Lake, California | 2 | $ 430,000 | $ 215,000 | $ 47,000 |
| Mendocino, California | 2 | $ 702,000 | $ 351,000 | $ 90,000 |
| Hartford, Connecticut | 2 | $ 654,000 | $ 327,000 | $ 131,000 |
| Alachua, Florida | 2 | $ 520,000 | $ 260,000 | $ 91,000 |
| Bay, Florida | 2 | $ 375,000 | $ 187,500 | $ 81,000 |
| Clay, Florida | 2 | $ 416,000 | $ 208,000 | $ 110,000 |
| Indian River, Florida | 2 | $ 357,000 | $ 178,500 | $ 54,000 |
| Leon, Florida | 2 | $ 378,000 | $ 189,000 | $ 125,000 |
| Martin, Florida | 2 | $ 553,000 | $ 276,500 | $ 187,000 |
| Pinellas, Florida | 2 | $ 384,000 | $ 192,000 | $ 62,000 |
| Santa Rosa, Florida | 2 | $ 816,000 | $ 408,000 | $ 116,000 |
| Fulton, Georgia | 2 | $ 381,000 | $ 190,500 | $ 115,000 |
| Elko, Nevada | 2 | $ 351,000 | $ 175,500 | $ 75,000 |
| Lyon, Nevada | 2 | $ 431,000 | $ 215,500 | $ 64,000 |
| Bernalillo, New Mexico | 2 | $ 760,000 | $ 380,000 | $ 164,000 |
| Angelina, Texas | 2 | $ 431,000 | $ 215,500 | $ 84,000 |
| Bell, Texas | 2 | $ 464,000 | $ 232,000 | $ 89,000 |
| Fort Bend, Texas | 2 | $ 315,000 | $ 157,500 | $ 90,000 |
| Galveston, Texas | 2 | $ 469,000 | $ 234,500 | $ 122,000 |
| McLennan, Texas | 2 | $ 221,000 | $ 110,500 | $ 65,000 |
| Montgomery, Texas | 2 | $ 598,000 | $ 299,000 | $ 108,000 |
| Loudoun, Virginia | 2 | $ 557,000 | $ 278,500 | $ 201,000 |
| Grays Harbor, Washington | 2 | $ 373,000 | $ 186,500 | $ 75,000 |
| Spokane, Washington | 2 | $ 644,000 | $ 322,000 | $ 164,000 |
| Jefferson, Alabama | 1 | $ 356,000 | $ 356,000 | $ 120,000 |
| Madison, Alabama | 1 | $ 200,000 | $ 200,000 | $ 94,000 |
| Morgan, Alabama | 1 | $ 307,000 | $ 307,000 | $ 134,000 |
| Coconino, Arizona | 1 | $ 540,000 | $ 540,000 | $ 86,000 |
| Yavapai, Arizona | 1 | $ 188,000 | $ 188,000 | $ 62,000 |
| Benton, Arkansas | 1 | $ 183,000 | $ 183,000 | $ 75,000 |
| Columbia, Arkansas | 1 | $ 164,000 | $ 164,000 | $ 113,000 |
| Lonoke, Arkansas | 1 | $ 119,000 | $ 119,000 | $ 31,000 |
| Madison, Arkansas | 1 | $ 92,000 | $ 92,000 | $ 36,000 |
| Pulaski, Arkansas | 1 | $ 358,000 | $ 358,000 | $ 210,000 |
| White, Arkansas | 1 | $ 186,000 | $ 186,000 | $ 46,000 |
| Kings, California | 1 | $ 204,000 | $ 204,000 | $ 126,000 |
| Mariposa, California | 1 | $ 192,000 | $ 192,000 | $ 81,000 |
| Napa, California | 1 | $ 654,000 | $ 654,000 | $ 210,000 |
| Tehama, California | 1 | $ 207,000 | $ 207,000 | $ 45,000 |
| Yolo, California | 1 | $ 417,000 | $ 417,000 | $ 185,000 |
| Yuba, California | 1 | $ 337,000 | $ 337,000 | $ 84,000 |
| Fairfield, Connecticut | 1 | $ 464,000 | $ 464,000 | $ 184,000 |
| New Haven, Connecticut | 1 | $ 169,000 | $ 169,000 | $ 41,000 |
| Windham, Connecticut | 1 | $ 214,000 | $ 214,000 | $ 79,000 |
| Brevard, Florida | 1 | $ 239,000 | $ 239,000 | $ 124,000 |
| Charlotte, Florida | 1 | $ 240,000 | $ 240,000 | $ 100,000 |
| Collier, Florida | 1 | $ 166,000 | $ 166,000 | $ 140,000 |
| Hernando, Florida | 1 | $ 226,000 | $ 226,000 | $ 55,000 |
| Lee, Florida | 1 | $ 201,000 | $ 201,000 | $ 43,000 |
| Manatee, Florida | 1 | $ 91,000 | $ 91,000 | $ 41,000 |
| Marion, Florida | 1 | $ 159,000 | $ 159,000 | $ 142,000 |
| Miami-Dade, Florida | 1 | $ 259,000 | $ 259,000 | $ 85,000 |
| Monroe, Florida | 1 | $ 658,000 | $ 658,000 | $ 121,000 |
| Polk, Florida | 1 | $ 376,000 | $ 376,000 | $ 106,000 |
| Sarasota, Florida | 1 | $ 89,000 | $ 89,000 | $ 28,000 |
| St. Johns, Florida | 1 | $ 352,000 | $ 352,000 | $ 144,000 |
| Bulloch, Georgia | 1 | $ 512,000 | $ 512,000 | $ 360,000 |
| Cobb, Georgia | 1 | $ 265,000 | $ 265,000 | $ 278,000 |
| Floyd, Georgia | 1 | $ 300,000 | $ 300,000 | $ 96,000 |
| Grady, Georgia | 1 | $ 412,000 | $ 412,000 | $ 80,000 |
| Meriwether, Georgia | 1 | $ 137,000 | $ 137,000 | $ 55,000 |
| Monroe, Georgia | 1 | $ 234,000 | $ 234,000 | $ 42,000 |
| Spalding, Georgia | 1 | $ 110,000 | $ 110,000 | $ 60,000 |
| Hawaii, Hawaii | 1 | $ 572,000 | $ 572,000 | $ 78,000 |
| Kauai, Hawaii | 1 | $ 271,000 | $ 271,000 | $ 78,000 |
| Maui, Hawaii | 1 | $ 450,000 | $ 450,000 | $ 81,000 |
| Ada, Idaho | 1 | $ 216,000 | $ 216,000 | $ 36,000 |
| Nez Perce, Idaho | 1 | $ 332,000 | $ 332,000 | $ 93,000 |
| Jefferson, Kentucky | 1 | $ 250,000 | $ 250,000 | $ 73,000 |
| DeSoto, Mississippi | 1 | $ 219,000 | $ 219,000 | $ 67,000 |
| Carson City, Nevada | 1 | $ 275,000 | $ 275,000 | $ 132,000 |
| Mineral, Nevada | 1 | $ 132,000 | $ 132,000 | $ 35,000 |
| Nye, Nevada | 1 | $ 68,000 | $ 68,000 | $ 48,000 |
| Chaves, New Mexico | 1 | $ 128,000 | $ 128,000 | $ 75,000 |
| Sandoval, New Mexico | 1 | $ 48,000 | $ 48,000 | $ 53,000 |
| Clackamas, Oregon | 1 | $ 303,000 | $ 303,000 | $ 135,000 |
| Clatsop, Oregon | 1 | $ 288,000 | $ 288,000 | $ 145,000 |
| Malheur, Oregon | 1 | $ 115,000 | $ 115,000 | $ 55,000 |
| Polk, Oregon | 1 | $ 167,000 | $ 167,000 | $ 63,000 |
| Wasco, Oregon | 1 | $ 192,000 | $ 192,000 | $ 41,000 |
| Washington, Oregon | 1 | $ 263,000 | $ 263,000 | $ 145,000 |
| Brazoria, Texas | 1 | $ 132,000 | $ 132,000 | $ 63,000 |
| Brazos, Texas | 1 | $ 142,000 | $ 142,000 | $ 149,000 |
| El Paso, Texas | 1 | $ 95,000 | $ 95,000 | $ 92,000 |
| Hidalgo, Texas | 1 | $ 540,000 | $ 540,000 | $ 182,000 |
| Parker, Texas | 1 | $ 96,000 | $ 96,000 | $ 31,000 |
| Taylor, Texas | 1 | $ 105,000 | $ 105,000 | $ 84,000 |
| Wise, Texas | 1 | $ 235,000 | $ 235,000 | $ 72,000 |
| Alexandria, Virginia | 1 | $ 200,000 | $ 200,000 | $ 37,000 |
| Charles City, Virginia | 1 | $ 254,000 | $ 254,000 | $ 44,000 |
| Chesapeake, Virginia | 1 | $ 575,000 | $ 575,000 | $ 159,000 |
| Lee, Virginia | 1 | $ 145,000 | $ 145,000 | $ 86,000 |
| Nelson, Virginia | 1 | $ 79,000 | $ 79,000 | $ 38,000 |
| Orange, Virginia | 1 | $ 125,000 | $ 125,000 | $ 45,000 |
| Roanoke, Virginia | 1 | $ 167,000 | $ 167,000 | $ 59,000 |
| Shenandoah, Virginia | 1 | $ 296,000 | $ 296,000 | $ 59,000 |
| Stafford, Virginia | 1 | $ 230,000 | $ 230,000 | $ 28,000 |
| Benton, Washington | 1 | $ 274,000 | $ 274,000 | $ 137,000 |
| Chelan, Washington | 1 | $ 219,000 | $ 219,000 | $ 101,000 |
| Clark, Washington | 1 | $ 219,000 | $ 219,000 | $ 115,000 |
| Island, Washington | 1 | $ 341,000 | $ 341,000 | $ 93,000 |
| Lewis, Washington | 1 | $ 417,000 | $ 417,000 | $ 96,000 |
| Lincoln, Washington | 1 | $ 238,000 | $ 238,000 | $ 100,000 |
| Okanogan, Washington | 1 | $ 119,000 | $ 119,000 | $ 96,000 |
| Pierce, Washington | 1 | $ 191,000 | $ 191,000 | $ 140,000 |
| Thurston, Washington | 1 | $ 327,000 | $ 327,000 | $ 81,000 |
| Wahkiakum, Washington | 1 | $ 189,000 | $ 189,000 | $ 117,000 |
Mortgage Loan Application Detail Totals for Multi-State Home Lending Inc. in 2010
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 | 885 | $291,515,000 | $329,000 | $1,370,000 | $115,000 | $662,000 |
| Home Purchase | 108 | $28,343,000 | $262,000 | $729,000 | $92,000 | $331,000 |
| 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 | 588 | $190,984,000 | $324,000 | $1,370,000 | $116,000 | $592,000 |
| Not Provided | 271 | $89,548,000 | $330,000 | $719,000 | $112,000 | $662,000 |
| Asian | 55 | $15,887,000 | $288,000 | $605,000 | $105,000 | $240,000 |
| Hispanic | 55 | $16,644,000 | $302,000 | $730,000 | $94,000 | $263,000 |
| Black or African American | 20 | $4,870,000 | $243,000 | $400,000 | $91,000 | $178,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $1,596,000 | $532,000 | $621,000 | $143,000 | $250,000 |
| American Indian or Alaskan Native | 1 | $329,000 | $329,000 | $329,000 | $128,000 | $128,000 |
| 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) | 600 | $183,965,000 | $306,000 | $1,370,000 | $118,000 | $662,000 |
| FHA-insured (Federal Housing Administration) | 393 | $135,893,000 | $345,000 | $743,000 | $104,000 | $414,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 522 | $172,740,000 | $330,000 | $1,370,000 | $107,000 | $592,000 |
| Loan Originated | 412 | $125,808,000 | $305,000 | $1,358,000 | $120,000 | $662,000 |
| Application Denied By Financial Institution | 54 | $19,911,000 | $368,000 | $713,000 | $110,000 | $264,000 |
| Application Approved But Not Accepted | 5 | $1,399,000 | $279,000 | $548,000 | $122,000 | $185,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Collateral | 31 | $11,593,000 | $373,000 | $713,000 | $114,000 | $209,000 |
| Credit History | 10 | $3,528,000 | $352,000 | $639,000 | $102,000 | $210,000 |
| Debt-To-Income Ratio | 6 | $2,180,000 | $363,000 | $658,000 | $94,000 | $122,000 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Multi-State Home Lending Inc.'s 2010 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 Multi-State Home Lending 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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