Platinum Capital Group Mortgage Lending & HMDA Data, 2006
In 2006, Platinum Capital Group of Irvine, CA reported 5,427 mortgage applications totaling $1.8 billion, down 7% from 2005. The average application was for $322,890, and applicants reported an average income of $171,799. 42% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (1,185), Riverside-San Bernardino-Ontario, CA (615) and Chicago-Naperville-Joliet, IL (346) (applications in parentheses).
| Mortgage Company & Address | Platinum Capital Group 17101 Armstrong Ave. Suite 200 Irvine, CA 92614 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 5,427 |
| Total Mortgage Loan Application Amount | $1,752,327,000 |
| Average Mortgage Loan Application Amount | $322,890 |
| Highest Mortgage Loan Application Amount | $9,000,000 |
| Average Applicant Income | $171,799 |
| Highest Applicant Income | $4,564,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Platinum Capital Group filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 1,185 | $ 661,341,000 | $ 558,093 | $ 276,000 |
| Riverside-San Bernardino-Ontario, CA | 615 | $ 171,760,000 | $ 279,284 | $ 138,000 |
| Chicago-Naperville-Joliet, IL | 346 | $ 66,351,000 | $ 191,765 | $ 72,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 266 | $ 71,112,000 | $ 267,338 | $ 116,684 |
| Santa Ana-Anaheim-Irvine, CA | 262 | $ 102,863,000 | $ 392,606 | $ 191,000 |
| Miami-Miami Beach-Kendall, FL | 232 | $ 55,664,000 | $ 239,931 | $ 140,000 |
| Las Vegas-Paradise, NV | 170 | $ 39,766,000 | $ 233,917 | $ 239,000 |
| Atlanta-Sandy Springs-Marietta, GA | 128 | $ 28,340,000 | $ 221,406 | $ 145,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 106 | $ 26,103,000 | $ 246,254 | $ 116,000 |
| Oakland-Fremont-Hayward, CA | 103 | $ 35,788,000 | $ 347,456 | $ 166,000 |
| San Diego-Carlsbad-San Marcos, CA | 83 | $ 31,188,000 | $ 375,759 | $ 171,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 77 | $ 18,568,000 | $ 241,142 | $ 131,000 |
| Stockton, CA | 76 | $ 19,727,000 | $ 259,565 | $ 123,000 |
| Philadelphia, PA | 75 | $ 10,142,000 | $ 135,226 | $ 81,000 |
| Phoenix-Mesa-Scottsdale, AZ | 75 | $ 19,495,000 | $ 259,933 | $ 103,000 |
| Pittsburgh, PA | 68 | $ 8,970,000 | $ 131,911 | $ 89,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 66 | $ 18,279,000 | $ 276,954 | $ 167,000 |
| Orlando-Kissimmee, FL | 58 | $ 12,678,000 | $ 218,586 | $ 149,000 |
| Columbus, OH | 53 | $ 6,344,000 | $ 119,698 | $ 99,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 40 | $ 7,017,000 | $ 175,425 | $ 106,000 |
| Cape Coral-Fort Myers, FL | 39 | $ 10,390,000 | $ 266,410 | $ 164,000 |
| Modesto, CA | 33 | $ 6,793,000 | $ 205,848 | $ 98,000 |
| Seattle-Bellevue-Everett, WA | 33 | $ 12,374,000 | $ 374,969 | $ 188,000 |
| Fresno, CA | 30 | $ 5,287,000 | $ 176,233 | $ 99,000 |
| Hartford-West Hartford-East Hartford, CT | 29 | $ 4,798,000 | $ 165,448 | $ 186,000 |
| Jacksonville, FL | 29 | $ 3,888,000 | $ 134,068 | $ 105,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 28 | $ 18,541,000 | $ 662,178 | $ 333,000 |
| Bethesda-Gaithersburg-Frederick, MD | 26 | $ 7,261,000 | $ 279,269 | $ 140,000 |
| Tampa-St. Petersburg-Clearwater, FL | 25 | $ 2,888,000 | $ 115,520 | $ 94,000 |
| Baltimore-Towson, MD | 23 | $ 4,334,000 | $ 188,434 | $ 133,000 |
| Denver-Aurora, CO | 22 | $ 2,917,000 | $ 132,590 | $ 46,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 21 | $ 3,507,000 | $ 167,000 | $ 183,000 |
| Visalia-Porterville, CA | 21 | $ 3,744,000 | $ 178,285 | $ 76,000 |
| New Haven-Milford, CT | 20 | $ 4,093,000 | $ 204,650 | $ 151,000 |
| Santa Barbara-Santa Maria, CA | 20 | $ 9,959,000 | $ 497,950 | $ 285,000 |
| Bakersfield, CA | 19 | $ 3,188,000 | $ 167,789 | $ 95,000 |
| Portland-Vancouver-Beaverton, OR-WA | 18 | $ 5,648,000 | $ 313,777 | $ 132,833 |
| San Jose-Sunnyvale-Santa Clara, CA | 18 | $ 9,551,000 | $ 530,611 | $ 422,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 17 | $ 3,090,000 | $ 181,764 | $ 82,588 |
| Birmingham-Hoover, AL | 16 | $ 1,938,000 | $ 121,125 | $ 50,000 |
| Naples-Marco Island, FL | 16 | $ 4,030,000 | $ 251,875 | $ 112,000 |
| San Francisco-San Mateo-Redwood City, CA | 16 | $ 10,474,000 | $ 654,625 | $ 475,000 |
| Salinas, CA | 15 | $ 22,156,000 | $ 1,477,066 | $ 677,000 |
| Boise City-Nampa, ID | 14 | $ 1,216,000 | $ 86,857 | $ 94,000 |
| Farmington, NM | 14 | $ 1,552,000 | $ 110,857 | $ 99,000 |
| Merced, CA | 14 | $ 3,034,000 | $ 216,714 | $ 87,000 |
| Detroit-Livonia-Dearborn, MI | 13 | $ 1,690,000 | $ 130,000 | $ 63,000 |
| Lake County-Kenosha County, IL-WI | 13 | $ 1,686,000 | $ 129,692 | $ 40,000 |
| Lakeland, FL | 12 | $ 1,443,000 | $ 120,250 | $ 74,000 |
| Palm Bay-Melbourne-Titusville, FL | 12 | $ 1,924,000 | $ 160,333 | $ 127,000 |
| Charlotte-Gastonia-Concord, NC-SC | 11 | $ 2,037,000 | $ 185,181 | $ 221,000 |
| Richmond, VA | 11 | $ 3,079,000 | $ 279,909 | $ 98,000 |
| Tacoma, WA | 11 | $ 3,289,000 | $ 299,000 | $ 102,000 |
| Vallejo-Fairfield, CA | 11 | $ 3,500,000 | $ 318,181 | $ 106,000 |
| Cincinnati-Middletown, OH-KY-IN | 10 | $ 1,460,000 | $ 146,000 | $ 60,600 |
| Honolulu, HI | 10 | $ 2,372,000 | $ 237,200 | $ 170,000 |
| Port St. Lucie-Fort Pierce, FL | 10 | $ 2,902,000 | $ 290,200 | $ 227,000 |
| Providence-New Bedford-Fall River, RI-MA | 10 | $ 3,009,000 | $ 300,900 | $ 149,000 |
| Des Moines-West Des Moines, IA | 9 | $ 907,000 | $ 100,777 | $ 100,000 |
| Milwaukee-Waukesha-West Allis, WI | 9 | $ 990,000 | $ 110,000 | $ 94,000 |
| Raleigh-Cary, NC | 9 | $ 1,430,000 | $ 158,888 | $ 67,000 |
| Salt Lake City, UT | 9 | $ 1,548,000 | $ 172,000 | $ 144,000 |
| Sarasota-Bradenton-Venice, FL | 9 | $ 1,851,000 | $ 205,666 | $ 114,000 |
| Bridgeport-Stamford-Norwalk, CT | 8 | $ 2,974,000 | $ 371,750 | $ 132,000 |
| Cleveland-Elyria-Mentor, OH | 8 | $ 1,074,000 | $ 134,250 | $ 62,000 |
| Janesville, WI | 8 | $ 563,000 | $ 70,375 | $ 128,000 |
| Pensacola-Ferry Pass-Brent, FL | 8 | $ 1,390,000 | $ 173,750 | $ 74,000 |
| Tallahassee, FL | 8 | $ 998,000 | $ 124,750 | $ 210,000 |
| Tulsa, OK | 8 | $ 1,612,000 | $ 201,500 | $ 171,000 |
| Warren-Troy-Farmington Hills, MI | 8 | $ 11,464,000 | $ 1,433,000 | $ 524,000 |
| Fort Walton Beach-Crestview-Destin, FL | 7 | $ 4,326,000 | $ 618,000 | $ 433,000 |
| Kansas City, MO-KS | 7 | $ 2,050,000 | $ 292,857 | $ 180,000 |
| Reno-Sparks, NV | 7 | $ 6,127,000 | $ 875,285 | $ 370,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 6 | $ 639,000 | $ 106,500 | $ 74,000 |
| Greeley, CO | 6 | $ 906,000 | $ 151,000 | $ 99,000 |
| Pocatello, ID | 6 | $ 359,000 | $ 59,833 | $ 94,000 |
| Provo-Orem, UT | 6 | $ 2,664,000 | $ 444,000 | $ 230,000 |
| Santa Cruz-Watsonville, CA | 6 | $ 2,223,000 | $ 370,500 | $ 158,000 |
| Charleston, WV | 5 | $ 441,000 | $ 88,200 | $ 49,000 |
| Davenport-Moline-Rock Island, IA-IL | 5 | $ 565,000 | $ 113,000 | $ 62,000 |
| Gainesville, FL | 5 | $ 714,000 | $ 142,800 | $ 169,000 |
| Madera, CA | 5 | $ 736,000 | $ 147,200 | $ 130,000 |
| San Luis Obispo-Paso Robles, CA | 5 | $ 2,636,000 | $ 527,200 | $ 451,000 |
| Spokane, WA | 5 | $ 466,000 | $ 93,200 | $ 74,000 |
| St. Louis, MO-IL | 5 | $ 652,000 | $ 130,400 | $ 148,000 |
| Wilmington, NC | 5 | $ 1,155,000 | $ 231,000 | $ 79,000 |
| Yuba City, CA | 5 | $ 976,000 | $ 195,200 | $ 73,000 |
| Albuquerque, NM | 4 | $ 308,000 | $ 77,000 | $ 107,000 |
| Bremerton-Silverdale, WA | 4 | $ 581,000 | $ 145,250 | $ 32,000 |
| Chico, CA | 4 | $ 516,000 | $ 129,000 | $ 342,000 |
| Coeur D'Alene, ID | 4 | $ 855,000 | $ 213,750 | $ 159,000 |
| Dayton, OH | 4 | $ 757,000 | $ 189,250 | $ 87,000 |
| Dubuque, IA | 4 | $ 552,000 | $ 138,000 | $ 118,000 |
| Durham, NC | 4 | $ 823,000 | $ 205,750 | $ 74,000 |
| Las Cruces, NM | 4 | $ 359,000 | $ 89,750 | $ 201,000 |
| Manchester-Nashua, NH | 4 | $ 480,000 | $ 120,000 | $ 159,000 |
| Portland-South Portland-Biddeford, ME | 4 | $ 658,000 | $ 164,500 | $ 31,000 |
| Prescott, AZ | 4 | $ 807,000 | $ 201,750 | $ 139,000 |
| Santa Rosa-Petaluma, CA | 4 | $ 1,988,000 | $ 497,000 | $ 213,000 |
| Tucson, AZ | 4 | $ 689,000 | $ 172,250 | $ 64,000 |
| Yuma, AZ | 4 | $ 456,000 | $ 114,000 | $ 60,000 |
| Akron, OH | 3 | $ 711,000 | $ 237,000 | $ 86,000 |
| El Centro, CA | 3 | $ 492,000 | $ 164,000 | $ 27,000 |
| Fayetteville, NC | 3 | $ 506,000 | $ 168,666 | $ 90,000 |
| Greensboro-High Point, NC | 3 | $ 424,000 | $ 141,333 | $ 80,000 |
| Hagerstown-Martinsburg, MD-WV | 3 | $ 528,000 | $ 176,000 | $ 158,666 |
| Hickory-Lenoir-Morganton, NC | 3 | $ 531,000 | $ 177,000 | $ 74,000 |
| Huntsville, AL | 3 | $ 509,000 | $ 169,666 | $ 86,000 |
| Lynchburg, VA | 3 | $ 492,000 | $ 164,000 | $ 44,000 |
| Mobile, AL | 3 | $ 207,000 | $ 69,000 | $ 124,000 |
| Montgomery, AL | 3 | $ 487,000 | $ 162,333 | $ 111,000 |
| Muskegon-Norton Shores, MI | 3 | $ 310,000 | $ 103,333 | $ 117,000 |
| Olympia, WA | 3 | $ 438,000 | $ 146,000 | $ 60,000 |
| Rockford, IL | 3 | $ 658,000 | $ 219,333 | $ 80,000 |
| Santa Fe, NM | 3 | $ 412,000 | $ 137,333 | $ 50,000 |
| Wilmington, DE-MD-NJ | 3 | $ 470,000 | $ 156,666 | $ 92,333 |
| Blacksburg-Christiansburg-Radford, VA | 2 | $ 332,000 | $ 166,000 | $ 37,000 |
| Burlington, NC | 2 | $ 138,000 | $ 69,000 | $ 30,000 |
| Canton-Massillon, OH | 2 | $ 157,000 | $ 78,500 | $ 117,000 |
| Carson City, NV | 2 | $ 258,000 | $ 129,000 | $ 88,000 |
| Charlottesville, VA | 2 | $ 564,000 | $ 282,000 | $ 67,000 |
| Clarksville, TN-KY | 2 | $ 171,000 | $ 85,500 | $ 72,000 |
| Colorado Springs, CO | 2 | $ 210,000 | $ 105,000 | $ 98,000 |
| Columbus, GA-AL | 2 | $ 106,000 | $ 53,000 | $ 49,000 |
| Decatur, AL | 2 | $ 99,000 | $ 49,500 | $ 465,000 |
| Elkhart-Goshen, IN | 2 | $ 110,000 | $ 55,000 | $ 72,000 |
| Eugene-Springfield, OR | 2 | $ 308,000 | $ 154,000 | $ 41,000 |
| Flint, MI | 2 | $ 325,000 | $ 162,500 | $ 82,000 |
| Hanford-Corcoran, CA | 2 | $ 285,000 | $ 142,500 | $ 66,000 |
| Harrisburg-Carlisle, PA | 2 | $ 346,000 | $ 173,000 | $ 61,000 |
| Jacksonville, NC | 2 | $ 234,000 | $ 117,000 | $ 45,000 |
| Johnstown, PA | 2 | $ 328,000 | $ 164,000 | $ 270,000 |
| Kankakee-Bradley, IL | 2 | $ 113,000 | $ 56,500 | $ 17,000 |
| Logan, UT-ID | 2 | $ 135,000 | $ 67,500 | $ 22,000 |
| Longview, WA | 2 | $ 333,000 | $ 166,500 | $ 73,000 |
| Louisville-Jefferson County, KY-IN | 2 | $ 153,000 | $ 76,500 | $ 50,000 |
| Madison, WI | 2 | $ 278,000 | $ 139,000 | $ 57,000 |
| Medford, OR | 2 | $ 314,000 | $ 157,000 | $ 18,000 |
| Memphis, TN-MS-AR | 2 | $ 268,000 | $ 134,000 | $ 167,000 |
| Napa, CA | 2 | $ 472,000 | $ 236,000 | $ 72,000 |
| Nashville-Davidson--Murfreesboro, TN | 2 | $ 266,000 | $ 133,000 | $ 166,000 |
| Norwich-New London, CT | 2 | $ 601,000 | $ 300,500 | $ 68,000 |
| Ocala, FL | 2 | $ 191,000 | $ 95,500 | $ 54,000 |
| Panama City-Lynn Haven, FL | 2 | $ 675,000 | $ 337,500 | $ 168,000 |
| Racine, WI | 2 | $ 214,000 | $ 107,000 | $ 33,000 |
| Reading, PA | 2 | $ 275,000 | $ 137,500 | $ 65,000 |
| Rockingham County-Strafford County, NH | 2 | $ 290,000 | $ 145,000 | $ 86,000 |
| Sebastian-Vero Beach, FL | 2 | $ 181,000 | $ 90,500 | $ 69,000 |
| Tuscaloosa, AL | 2 | $ 140,000 | $ 70,000 | $ 150,000 |
| Winchester, VA-WV | 2 | $ 409,000 | $ 204,500 | $ 46,000 |
| Winston-Salem, NC | 2 | $ 229,000 | $ 114,500 | $ 42,000 |
| Yakima, WA | 2 | $ 143,000 | $ 71,500 | $ 89,000 |
| York-Hanover, PA | 2 | $ 280,000 | $ 140,000 | $ 86,000 |
| Ames, IA | 1 | $ 60,000 | $ 60,000 | $ 48,000 |
| Asheville, NC | 1 | $ 171,000 | $ 171,000 | $ 44,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 70,000 | $ 70,000 | $ 54,000 |
| Bend, OR | 1 | $ 47,000 | $ 47,000 | $ 0 |
| Boulder, CO | 1 | $ 204,000 | $ 204,000 | $ 965,000 |
| Dover, DE | 1 | $ 224,000 | $ 224,000 | $ 45,000 |
| Erie, PA | 1 | $ 45,000 | $ 45,000 | $ 29,000 |
| Fort Collins-Loveland, CO | 1 | $ 213,000 | $ 213,000 | $ 132,000 |
| Goldsboro, NC | 1 | $ 137,000 | $ 137,000 | $ 42,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 60,000 | $ 60,000 | $ 36,000 |
| Lancaster, PA | 1 | $ 50,000 | $ 50,000 | $ 25,000 |
| Lewiston-Auburn, ME | 1 | $ 242,000 | $ 242,000 | $ 61,000 |
| Lexington-Fayette, KY | 1 | $ 730,000 | $ 730,000 | $ 150,000 |
| Mansfield, OH | 1 | $ 137,000 | $ 137,000 | $ 164,000 |
| Niles-Benton Harbor, MI | 1 | $ 109,000 | $ 109,000 | $ 0 |
| Ogden-Clearfield, UT | 1 | $ 131,000 | $ 131,000 | $ 68,000 |
| Pueblo, CO | 1 | $ 80,000 | $ 80,000 | $ 102,000 |
| Punta Gorda, FL | 1 | $ 202,000 | $ 202,000 | $ 55,000 |
| Redding, CA | 1 | $ 130,000 | $ 130,000 | $ 41,000 |
| Rochester, MN | 1 | $ 224,000 | $ 224,000 | $ 54,000 |
| Salem, OR | 1 | $ 180,000 | $ 180,000 | $ 50,000 |
| Salisbury, MD | 1 | $ 153,000 | $ 153,000 | $ 74,000 |
| San Antonio, TX | 1 | $ 270,000 | $ 270,000 | $ 57,000 |
| Scranton--Wilkes-Barre, PA | 1 | $ 53,000 | $ 53,000 | $ 26,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 156,000 | $ 156,000 | $ 34,000 |
| Springfield, OH | 1 | $ 136,000 | $ 136,000 | $ 45,000 |
| St. George, UT | 1 | $ 643,000 | $ 643,000 | $ 170,000 |
| Toledo, OH | 1 | $ 531,000 | $ 531,000 | $ 437,000 |
| Valdosta, GA | 1 | $ 87,000 | $ 87,000 | $ 29,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Wausau, WI | 1 | $ 341,000 | $ 341,000 | $ 78,000 |
Mortgage Loan Application Detail Totals for Platinum Capital Group 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 2,823 | $861,706,000 | $305,000 | $9,000,000 | $179,000 | $4,361,000 |
| Refinancing | 2,602 | $890,045,000 | $342,000 | $6,000,000 | $164,000 | $4,564,000 |
| Home Improvement | 2 | $576,000 | $288,000 | $448,000 | $156,000 | $156,000 |
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 | 1,851 | $788,005,000 | $425,000 | $9,000,000 | $248,000 | $4,564,000 |
| Hispanic | 1,365 | $339,038,000 | $248,000 | $3,409,000 | $122,000 | $3,391,000 |
| Not Provided | 735 | $257,121,000 | $349,000 | $3,600,000 | $172,000 | $1,620,000 |
| Black or African American | 675 | $155,472,000 | $230,000 | $3,000,000 | $126,000 | $1,823,000 |
| Not applicable | 524 | $127,569,000 | $243,000 | $5,345,000 | $83,000 | $1,692,000 |
| Asian | 213 | $66,893,000 | $314,000 | $1,725,000 | $196,000 | $1,800,000 |
| Native Hawaiian or Other Pacific Islander | 52 | $15,406,000 | $296,000 | $960,000 | $147,000 | $491,000 |
| American Indian or Alaskan Native | 12 | $2,823,000 | $235,000 | $650,000 | $243,000 | $1,741,000 |
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) | 5,327 | $1,733,602,000 | $325,000 | $9,000,000 | $174,000 | $4,564,000 |
| FHA-insured (Federal Housing Administration) | 99 | $18,473,000 | $186,000 | $399,000 | $49,000 | $104,000 |
| VA-guaranteed (Veterans Administration) | 1 | $252,000 | $252,000 | $252,000 | $66,000 | $66,000 |
| 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 | 2,275 | $815,342,000 | $358,000 | $3,850,000 | $189,000 | $4,564,000 |
| Application Approved But Not Accepted | 1,343 | $398,987,000 | $297,000 | $4,665,000 | $160,000 | $3,600,000 |
| Application Denied By Financial Institution | 783 | $238,927,000 | $305,000 | $5,225,000 | $180,000 | $3,391,000 |
| Application Withdrawn By Applicant | 647 | $179,800,000 | $277,000 | $9,000,000 | $110,000 | $3,942,000 |
| File Closed For Incompleteness | 379 | $119,271,000 | $314,000 | $4,089,000 | $201,000 | $3,072,000 |
| 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 | 170 | $39,661,000 | $233,000 | $1,400,000 | $128,000 | $720,000 |
| Collateral | 164 | $41,858,000 | $255,000 | $2,500,000 | $197,000 | $1,741,000 |
| Other | 149 | $51,752,000 | $347,000 | $4,550,000 | $169,000 | $1,500,000 |
| Debt-To-Income Ratio | 115 | $26,196,000 | $227,000 | $1,185,000 | $115,000 | $818,000 |
| Unverifiable Information | 46 | $16,205,000 | $352,000 | $2,208,000 | $202,000 | $1,320,000 |
| Employment History | 23 | $6,969,000 | $303,000 | $2,000,000 | $449,000 | $3,391,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $1,894,000 | $210,000 | $558,000 | $98,000 | $152,000 |
| Mortgage Insurance Denied | 1 | $224,000 | $224,000 | $224,000 | $118,000 | $118,000 |
| Credit Application Incomplete | 1 | $140,000 | $140,000 | $140,000 | $78,000 | $78,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Platinum Capital Group'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 Platinum Capital 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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