Mylor Financial Group Mortgage Lending & HMDA Data, 2005
In 2005, Mylor Financial Group of Mission Hills, CA reported 15,114 mortgage applications totaling $3.8 billion, up 152% from 2004. The average application was for $253,425, and applicants reported an average income of $111,702. 46% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (3,569), Los Angeles-Long Beach-Glendale, CA (3,562) and Las Vegas-Paradise, NV (1,771) (applications in parentheses).
| Mortgage Company & Address | Mylor Financial Group 15451 San Fernando Mission Blvd #205 Mission Hills, CA 91345 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 2004 2003 |
| Total Number of Mortgage Applications | 15,114 |
| Total Mortgage Loan Application Amount | $3,830,275,000 |
| Average Mortgage Loan Application Amount | $253,425 |
| Highest Mortgage Loan Application Amount | $3,500,000 |
| Average Applicant Income | $111,702 |
| Highest Applicant Income | $2,381,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Mylor Financial Group filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Riverside-San Bernardino-Ontario, CA | 3,569 | $ 793,368,000 | $ 222,294 | $ 104,000 |
| Los Angeles-Long Beach-Glendale, CA | 3,562 | $ 947,502,000 | $ 266,002 | $ 113,000 |
| Las Vegas-Paradise, NV | 1,771 | $ 340,146,000 | $ 192,064 | $ 98,000 |
| San Diego-Carlsbad-San Marcos, CA | 1,210 | $ 373,778,000 | $ 308,907 | $ 122,000 |
| Santa Ana-Anaheim-Irvine, CA | 892 | $ 295,486,000 | $ 331,262 | $ 137,000 |
| Phoenix-Mesa-Scottsdale, AZ | 702 | $ 85,379,000 | $ 121,622 | $ 88,000 |
| Oakland-Fremont-Hayward, CA | 494 | $ 214,951,000 | $ 435,123 | $ 132,000 |
| Seattle-Bellevue-Everett, WA | 424 | $ 86,629,000 | $ 204,313 | $ 86,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 358 | $ 152,014,000 | $ 424,620 | $ 151,000 |
| Tacoma, WA | 270 | $ 46,716,000 | $ 173,022 | $ 67,000 |
| San Francisco-San Mateo-Redwood City, CA | 263 | $ 135,607,000 | $ 515,615 | $ 159,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 208 | $ 54,227,000 | $ 260,706 | $ 105,000 |
| Bakersfield, CA | 167 | $ 25,244,000 | $ 151,161 | $ 74,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 100 | $ 32,763,000 | $ 327,630 | $ 129,000 |
| Stockton, CA | 77 | $ 22,654,000 | $ 294,207 | $ 98,000 |
| Portland-Vancouver-Beaverton, OR-WA | 62 | $ 9,981,000 | $ 160,983 | $ 84,000 |
| Fresno, CA | 50 | $ 8,211,000 | $ 164,220 | $ 69,000 |
| El Centro, CA | 47 | $ 7,691,000 | $ 163,638 | $ 83,000 |
| Salinas, CA | 42 | $ 15,175,000 | $ 361,309 | $ 139,000 |
| Modesto, CA | 41 | $ 10,776,000 | $ 262,829 | $ 128,000 |
| Vallejo-Fairfield, CA | 39 | $ 13,358,000 | $ 342,512 | $ 109,000 |
| Honolulu, HI | 37 | $ 10,038,000 | $ 271,297 | $ 114,000 |
| Merced, CA | 37 | $ 9,591,000 | $ 259,216 | $ 114,000 |
| Olympia, WA | 33 | $ 4,771,000 | $ 144,575 | $ 59,000 |
| Santa Rosa-Petaluma, CA | 33 | $ 12,974,000 | $ 393,151 | $ 138,000 |
| Bremerton-Silverdale, WA | 31 | $ 5,311,000 | $ 171,322 | $ 104,000 |
| Mount Vernon-Anacortes, WA | 29 | $ 4,424,000 | $ 152,551 | $ 54,000 |
| Anchorage, AK | 20 | $ 3,476,000 | $ 173,800 | $ 85,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 20 | $ 9,358,000 | $ 467,900 | $ 323,000 |
| Visalia-Porterville, CA | 18 | $ 3,235,000 | $ 179,722 | $ 67,000 |
| Hanford-Corcoran, CA | 16 | $ 2,605,000 | $ 162,812 | $ 96,000 |
| Madera, CA | 15 | $ 2,801,000 | $ 186,733 | $ 68,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 14 | $ 2,248,000 | $ 160,571 | $ 97,000 |
| Reno-Sparks, NV | 13 | $ 2,460,000 | $ 189,230 | $ 141,000 |
| Santa Cruz-Watsonville, CA | 13 | $ 4,324,000 | $ 332,615 | $ 102,000 |
| Corvallis, OR | 12 | $ 913,000 | $ 76,083 | $ 233,000 |
| San Luis Obispo-Paso Robles, CA | 12 | $ 3,571,000 | $ 297,583 | $ 125,000 |
| Tampa-St. Petersburg-Clearwater, FL | 12 | $ 1,501,000 | $ 125,083 | $ 66,000 |
| Yuba City, CA | 12 | $ 2,549,000 | $ 212,416 | $ 79,000 |
| Chico, CA | 11 | $ 1,550,000 | $ 140,909 | $ 67,000 |
| Fairbanks, AK | 10 | $ 1,649,000 | $ 164,900 | $ 90,000 |
| Redding, CA | 10 | $ 1,616,000 | $ 161,600 | $ 56,000 |
| Denver-Aurora, CO | 9 | $ 1,611,000 | $ 179,000 | $ 100,000 |
| Orlando, FL | 9 | $ 1,400,000 | $ 155,555 | $ 133,000 |
| Salem, OR | 8 | $ 1,170,000 | $ 146,250 | $ 60,000 |
| Tucson, AZ | 8 | $ 1,161,000 | $ 145,125 | $ 124,000 |
| Bellingham, WA | 7 | $ 2,081,000 | $ 297,285 | $ 121,000 |
| Jacksonville, FL | 7 | $ 829,000 | $ 118,428 | $ 60,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 6 | $ 432,000 | $ 72,000 | $ 55,000 |
| Longview, WA | 6 | $ 850,000 | $ 141,666 | $ 49,000 |
| Palm Bay-Melbourne-Titusville, FL | 6 | $ 1,009,000 | $ 168,166 | $ 63,000 |
| Boulder, CO | 5 | $ 984,000 | $ 196,800 | $ 64,000 |
| Eugene-Springfield, OR | 5 | $ 614,000 | $ 122,800 | $ 36,000 |
| Kennewick-Richland-Pasco, WA | 5 | $ 595,000 | $ 119,000 | $ 48,000 |
| Naples-Marco Island, FL | 5 | $ 1,033,000 | $ 206,600 | $ 83,000 |
| Bend, OR | 4 | $ 643,000 | $ 160,750 | $ 106,000 |
| Napa, CA | 4 | $ 1,331,000 | $ 332,750 | $ 179,000 |
| Colorado Springs, CO | 3 | $ 576,000 | $ 192,000 | $ 58,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 389,000 | $ 129,666 | $ 46,000 |
| Port St. Lucie-Fort Pierce, FL | 3 | $ 549,000 | $ 183,000 | $ 92,000 |
| Prescott, AZ | 3 | $ 346,000 | $ 115,333 | $ 45,000 |
| Salt Lake City, UT | 3 | $ 627,000 | $ 209,000 | $ 94,000 |
| Spokane, WA | 3 | $ 254,000 | $ 84,666 | $ 87,000 |
| Fort Collins-Loveland, CO | 2 | $ 220,000 | $ 110,000 | $ 46,000 |
| Fort Walton Beach-Crestview-Destin, FL | 2 | $ 160,000 | $ 80,000 | $ 61,000 |
| Gainesville, FL | 2 | $ 261,000 | $ 130,500 | $ 29,000 |
| Ocala, FL | 2 | $ 118,000 | $ 59,000 | $ 50,000 |
| Boise City-Nampa, ID | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Cape Coral-Fort Myers, FL | 1 | $ 448,000 | $ 448,000 | $ 198,000 |
| Greeley, CO | 1 | $ 279,000 | $ 279,000 | $ 83,000 |
| Ogden-Clearfield, UT | 1 | $ 360,000 | $ 360,000 | $ 390,000 |
| Santa Fe, NM | 1 | $ 267,000 | $ 267,000 | $ 51,000 |
| St. George, UT | 1 | $ 380,000 | $ 380,000 | $ 183,000 |
| Wenatchee, WA | 1 | $ 200,000 | $ 200,000 | $ 34,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 60,000 | $ 60,000 | $ 37,000 |
| Yuma, AZ | 1 | $ 192,000 | $ 192,000 | $ 48,000 |
Mortgage Loan Application Detail Totals for Mylor Financial Group in 2005
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 | 7,957 | $2,184,153,000 | $215,333 | $3,500,000 | $88,166 | $1,731,000 |
| Home Purchase | 7,154 | $1,645,565,000 | $159,083 | $3,375,000 | $89,083 | $2,381,000 |
| Home Improvement | 3 | $557,000 | $170,500 | $328,000 | $38,000 | $72,000 |
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 |
|---|---|---|---|---|---|---|
| Hispanic | 7,435 | $1,671,851,000 | $163,777 | $1,520,000 | $75,555 | $1,800,000 |
| White | 5,071 | $1,414,540,000 | $204,846 | $3,500,000 | $93,153 | $1,800,000 |
| Asian | 1,429 | $456,452,000 | $225,000 | $2,795,000 | $123,375 | $974,000 |
| Black or African American | 912 | $213,896,000 | $167,500 | $1,215,000 | $83,875 | $1,200,000 |
| Native Hawaiian or Other Pacific Islander | 224 | $61,579,000 | $226,400 | $1,150,000 | $75,200 | $2,381,000 |
| American Indian or Alaskan Native | 43 | $11,957,000 | $212,400 | $995,000 | $115,000 | $396,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 14,943 | $3,798,301,000 | $190,076 | $3,500,000 | $85,692 | $2,381,000 |
| FHA-insured (Federal Housing Administration) | 121 | $21,463,000 | $167,000 | $311,000 | $53,333 | $127,000 |
| VA-guaranteed (Veterans Administration) | 50 | $10,511,000 | $222,600 | $331,000 | $86,400 | $1,270,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 6,958 | $1,812,065,000 | $200,400 | $2,795,000 | $108,800 | $1,680,000 |
| Application Approved But Not Accepted | 2,620 | $629,818,000 | $166,909 | $1,755,000 | $73,727 | $1,397,000 |
| Application Withdrawn By Applicant | 2,568 | $659,953,000 | $207,916 | $3,500,000 | $93,416 | $2,381,000 |
| Application Denied By Financial Institution | 1,961 | $472,062,000 | $190,700 | $1,800,000 | $92,400 | $1,800,000 |
| File Closed For Incompleteness | 955 | $241,173,000 | $183,222 | $1,600,000 | $88,888 | $1,800,000 |
| Loan Purchased By The Institution | 52 | $15,204,000 | $265,000 | $750,000 | $88,333 | $230,000 |
| 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 | 790 | $183,961,000 | $201,400 | $1,593,000 | $97,800 | $693,000 |
| Debt-To-Income Ratio | 428 | $107,193,000 | $172,444 | $1,350,000 | $70,777 | $660,000 |
| Collateral | 339 | $80,794,000 | $195,111 | $1,800,000 | $120,888 | $1,800,000 |
| Unverifiable Information | 175 | $43,774,000 | $161,000 | $999,000 | $105,200 | $500,000 |
| Employment History | 124 | $33,923,000 | $239,000 | $1,011,000 | $111,142 | $540,000 |
| Other | 61 | $12,750,000 | $168,000 | $825,000 | $102,000 | $338,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 39 | $8,670,000 | $194,600 | $915,000 | $70,200 | $211,000 |
| Credit Application Incomplete | 5 | $997,000 | $217,500 | $550,000 | $166,500 | $215,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mylor Financial Group's 2005 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 Mylor Financial Group'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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