Plaza Home Mortgage, Inc Mortgage Lending & HMDA Data, 2009
In 2009, Plaza Home Mortgage, Inc of San Diego, CA reported 43,745 mortgage applications totaling $9.8 billion, up 29% from 2008. The average application was for $222,894, and applicants reported an average income of $65,904. 46% of its applications resulted in an originated loan and 14% were denied. Its largest markets were San Diego-Carlsbad-San Marcos, CA (2,669), Phoenix-Mesa-Scottsdale, AZ (1,668) and Riverside-San Bernardino-Ontario, CA (1,497) (applications in parentheses).
| Mortgage Company & Address | Plaza Home Mortgage, Inc 5090 Shoreham Place, Suite #206 San Diego, CA 92122 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 | 43,745 |
| Total Mortgage Loan Application Amount | $9,750,516,000 |
| Average Mortgage Loan Application Amount | $222,894 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $65,904 |
| Highest Applicant Income | $7,200,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Plaza Home Mortgage, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Plaza Home Mortgage, 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 | 24,903 | $5,865,531,000 | $235,000 | $1,000,000 | $59,000 | $7,200,000 |
| Home Purchase | 18,817 | $3,879,386,000 | $206,000 | $1,000,000 | $75,000 | $2,716,000 |
| Home Improvement | 25 | $5,599,000 | $223,000 | $417,000 | $98,000 | $458,000 |
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 | 29,960 | $6,776,806,000 | $226,000 | $1,000,000 | $69,000 | $7,200,000 |
| Hispanic | 6,370 | $1,230,876,000 | $193,000 | $990,000 | $53,000 | $1,174,000 |
| Black or African American | 3,325 | $669,389,000 | $201,000 | $1,000,000 | $43,000 | $1,920,000 |
| Asian | 2,203 | $595,338,000 | $270,000 | $900,000 | $84,000 | $2,000,000 |
| Not Provided | 1,375 | $349,736,000 | $254,000 | $742,000 | $71,000 | $602,000 |
| Native Hawaiian or Other Pacific Islander | 303 | $83,366,000 | $275,000 | $682,000 | $64,000 | $242,000 |
| American Indian or Alaskan Native | 209 | $45,005,000 | $215,000 | $698,000 | $63,000 | $511,000 |
| 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 18,851 | $3,863,801,000 | $204,000 | $947,000 | $57,000 | $7,200,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 15,500 | $3,753,628,000 | $242,000 | $1,000,000 | $100,000 | $2,716,000 |
| VA-guaranteed (Veterans Administration) | 9,004 | $2,073,483,000 | $230,000 | $1,000,000 | $27,000 | $602,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 390 | $59,604,000 | $152,000 | $408,000 | $47,000 | $113,000 |
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 | 20,099 | $4,488,996,000 | $223,000 | $807,000 | $63,000 | $7,200,000 |
| Application Withdrawn By Applicant | 7,662 | $1,729,051,000 | $225,000 | $1,000,000 | $60,000 | $3,000,000 |
| Application Approved But Not Accepted | 7,012 | $1,608,819,000 | $229,000 | $849,000 | $72,000 | $1,967,000 |
| Application Denied By Financial Institution | 6,222 | $1,329,941,000 | $213,000 | $1,000,000 | $71,000 | $2,716,000 |
| File Closed For Incompleteness | 2,750 | $593,709,000 | $215,000 | $1,000,000 | $74,000 | $1,364,000 |
| 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 | 1,023 | $196,801,000 | $192,000 | $976,000 | $55,000 | $1,578,000 |
| Debt-To-Income Ratio | 1,021 | $235,385,000 | $230,000 | $900,000 | $68,000 | $2,716,000 |
| Collateral | 746 | $153,657,000 | $205,000 | $704,000 | $74,000 | $987,000 |
| Other | 569 | $116,732,000 | $205,000 | $1,000,000 | $81,000 | $2,208,000 |
| Unverifiable Information | 309 | $62,779,000 | $203,000 | $730,000 | $78,000 | $547,000 |
| Credit Application Incomplete | 195 | $47,319,000 | $242,000 | $626,000 | $82,000 | $1,000,000 |
| Employment History | 141 | $27,999,000 | $198,000 | $724,000 | $67,000 | $519,000 |
| Mortgage Insurance Denied | 37 | $9,913,000 | $267,000 | $468,000 | $98,000 | $358,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 28 | $6,315,000 | $225,000 | $710,000 | $75,000 | $327,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Plaza Home Mortgage, 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 Plaza Home Mortgage, 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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