Pmac Lending Services Inc Mortgage Lending & HMDA Data, 2006
In 2006, Pmac Lending Services Inc of Chino Hills, CA reported 1,741 mortgage applications totaling $478.7 million, down 23% from 2005. The average application was for $274,983, and applicants reported an average income of $130,141. 57% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (686), Riverside-San Bernardino-Ontario, CA (600) and Santa Ana-Anaheim-Irvine, CA (123) (applications in parentheses).
| Mortgage Company & Address | Pmac Lending Services Inc 15325 Fairfield Ranch Road Ste 200 Chino Hills, CA 91709 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,741 |
| Total Mortgage Loan Application Amount | $478,746,000 |
| Average Mortgage Loan Application Amount | $274,983 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $130,141 |
| Highest Applicant Income | $2,373,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Pmac Lending Services Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 686 | $ 211,531,000 | $ 308,354 | $ 127,000 |
| San Bernardino, California | 319 | $ 78,548,000 | $ 246,231 | $ 109,000 |
| Riverside, California | 281 | $ 66,375,000 | $ 236,209 | $ 110,000 |
| Orange, California | 123 | $ 46,287,000 | $ 376,317 | $ 164,000 |
| Clark, Nevada | 55 | $ 12,639,000 | $ 229,800 | $ 180,000 |
| San Diego, California | 34 | $ 12,889,000 | $ 379,088 | $ 209,000 |
| Maricopa, Arizona | 29 | $ 4,872,000 | $ 168,000 | $ 102,000 |
| Tulare, California | 16 | $ 3,742,000 | $ 233,875 | $ 487,000 |
| Kern, California | 13 | $ 2,019,000 | $ 155,307 | $ 40,000 |
| Mohave, Arizona | 11 | $ 2,044,000 | $ 185,818 | $ 140,000 |
| Pima, Arizona | 10 | $ 1,068,000 | $ 106,800 | $ 84,000 |
| El Paso, Texas | 10 | $ 835,000 | $ 83,500 | $ 127,000 |
| Sacramento, California | 9 | $ 2,164,000 | $ 240,444 | $ 128,000 |
| Bexar, Texas | 8 | $ 1,104,000 | $ 138,000 | $ 69,000 |
| Alameda, California | 6 | $ 2,908,000 | $ 484,666 | $ 203,000 |
| Collier, Florida | 6 | $ 889,000 | $ 148,166 | $ 302,000 |
| Pierce, Washington | 6 | $ 645,000 | $ 107,500 | $ 58,000 |
| Contra Costa, California | 5 | $ 2,027,000 | $ 405,400 | $ 147,000 |
| Collin, Texas | 5 | $ 1,275,000 | $ 255,000 | $ 91,000 |
| Pinal, Arizona | 4 | $ 871,000 | $ 217,750 | $ 98,000 |
| Yavapai, Arizona | 4 | $ 726,000 | $ 181,500 | $ 32,000 |
| Yuma, Arizona | 4 | $ 797,000 | $ 199,250 | $ 67,000 |
| Imperial, California | 4 | $ 741,000 | $ 185,250 | $ 79,000 |
| Placer, California | 4 | $ 1,189,000 | $ 297,250 | $ 104,000 |
| San Mateo, California | 4 | $ 1,260,000 | $ 315,000 | $ 72,000 |
| Ventura, California | 4 | $ 1,429,000 | $ 357,250 | $ 104,000 |
| King, Washington | 4 | $ 1,213,000 | $ 303,250 | $ 479,000 |
| San Luis Obispo, California | 3 | $ 889,000 | $ 296,333 | $ 119,000 |
| Duval, Florida | 3 | $ 277,000 | $ 92,333 | $ 122,000 |
| Manatee, Florida | 3 | $ 717,000 | $ 239,000 | $ 108,000 |
| Washoe, Nevada | 3 | $ 615,000 | $ 205,000 | $ 202,000 |
| Galveston, Texas | 3 | $ 394,000 | $ 131,333 | $ 480,000 |
| Harris, Texas | 3 | $ 542,000 | $ 180,666 | $ 129,000 |
| Kitsap, Washington | 3 | $ 398,000 | $ 132,666 | $ 90,000 |
| Snohomish, Washington | 3 | $ 619,000 | $ 206,333 | $ 100,000 |
| Santa Cruz, Arizona | 2 | $ 105,000 | $ 52,500 | $ 63,000 |
| Del Norte, California | 2 | $ 766,000 | $ 383,000 | $ 756,000 |
| Glenn, California | 2 | $ 193,000 | $ 96,500 | $ 60,000 |
| San Francisco, California | 2 | $ 1,000,000 | $ 500,000 | $ 342,000 |
| Arapahoe, Colorado | 2 | $ 303,000 | $ 151,500 | $ 120,000 |
| El Paso, Colorado | 2 | $ 163,000 | $ 81,500 | $ 48,000 |
| Mesa, Colorado | 2 | $ 152,000 | $ 76,000 | $ 32,000 |
| Dona Ana, New Mexico | 2 | $ 279,000 | $ 139,500 | $ 42,000 |
| Clackamas, Oregon | 2 | $ 330,000 | $ 165,000 | $ 85,000 |
| Multnomah, Oregon | 2 | $ 500,000 | $ 250,000 | $ 65,000 |
| Denton, Texas | 2 | $ 662,000 | $ 331,000 | $ 232,000 |
| Travis, Texas | 2 | $ 307,000 | $ 153,500 | $ 29,000 |
| La Paz, Arizona | 1 | $ 154,000 | $ 154,000 | $ 59,000 |
| El Dorado, California | 1 | $ 105,000 | $ 105,000 | $ 167,000 |
| Humboldt, California | 1 | $ 212,000 | $ 212,000 | $ 51,000 |
| Mono, California | 1 | $ 336,000 | $ 336,000 | $ 389,000 |
| Monterey, California | 1 | $ 692,000 | $ 692,000 | $ 246,000 |
| Napa, California | 1 | $ 548,000 | $ 548,000 | $ 141,000 |
| San Joaquin, California | 1 | $ 588,000 | $ 588,000 | $ 202,000 |
| Santa Barbara, California | 1 | $ 561,000 | $ 561,000 | $ 122,000 |
| Shasta, California | 1 | $ 302,000 | $ 302,000 | $ 162,000 |
| Sonoma, California | 1 | $ 230,000 | $ 230,000 | $ 60,000 |
| Stanislaus, California | 1 | $ 137,000 | $ 137,000 | $ 76,000 |
| Adams, Colorado | 1 | $ 171,000 | $ 171,000 | $ 42,000 |
| Archuleta, Colorado | 1 | $ 113,000 | $ 113,000 | $ 47,000 |
| Gunnison, Colorado | 1 | $ 255,000 | $ 255,000 | $ 180,000 |
| Pueblo, Colorado | 1 | $ 98,000 | $ 98,000 | $ 161,000 |
| Brevard, Florida | 1 | $ 256,000 | $ 256,000 | $ 264,000 |
| Broward, Florida | 1 | $ 356,000 | $ 356,000 | $ 169,000 |
| Lee, Florida | 1 | $ 136,000 | $ 136,000 | $ 0 |
| Palm Beach, Florida | 1 | $ 331,000 | $ 331,000 | $ 420,000 |
| St. Lucie, Florida | 1 | $ 650,000 | $ 650,000 | $ 276,000 |
| Bernalillo, New Mexico | 1 | $ 98,000 | $ 98,000 | $ 55,000 |
| Eddy, New Mexico | 1 | $ 21,000 | $ 21,000 | $ 95,000 |
| Santa Fe, New Mexico | 1 | $ 311,000 | $ 311,000 | $ 0 |
| Union, New Mexico | 1 | $ 79,000 | $ 79,000 | $ 42,000 |
| Valencia, New Mexico | 1 | $ 165,000 | $ 165,000 | $ 70,000 |
| Lane, Oregon | 1 | $ 135,000 | $ 135,000 | $ 35,000 |
| Hidalgo, Texas | 1 | $ 145,000 | $ 145,000 | $ 132,000 |
| Montgomery, Texas | 1 | $ 137,000 | $ 137,000 | $ 47,000 |
| Williamson, Texas | 1 | $ 126,000 | $ 126,000 | $ 0 |
Mortgage Loan Application Detail Totals for Pmac Lending Services Inc 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 | 946 | $235,008,000 | $248,000 | $2,194,000 | $131,000 | $1,080,000 |
| Refinancing | 787 | $241,513,000 | $306,000 | $3,000,000 | $129,000 | $2,373,000 |
| Home Improvement | 8 | $2,225,000 | $278,000 | $1,400,000 | $141,000 | $363,000 |
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 | 1,007 | $253,881,000 | $252,000 | $1,500,000 | $114,000 | $2,373,000 |
| White | 526 | $162,056,000 | $308,000 | $3,000,000 | $161,000 | $2,166,000 |
| Black or African American | 119 | $32,597,000 | $273,000 | $1,000,000 | $128,000 | $371,000 |
| Asian | 60 | $21,705,000 | $361,000 | $1,398,000 | $144,000 | $864,000 |
| Native Hawaiian or Other Pacific Islander | 21 | $5,852,000 | $278,000 | $600,000 | $106,000 | $264,000 |
| American Indian or Alaskan Native | 4 | $648,000 | $162,000 | $247,000 | $70,000 | $102,000 |
| Not Provided | 4 | $2,007,000 | $501,000 | $926,000 | $176,000 | $233,000 |
| 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) | 1,718 | $473,177,000 | $275,000 | $3,000,000 | $131,000 | $2,373,000 |
| FHA-insured (Federal Housing Administration) | 23 | $5,569,000 | $242,000 | $391,000 | $72,000 | $285,000 |
| 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 | 996 | $271,259,000 | $272,000 | $3,000,000 | $131,000 | $2,373,000 |
| Application Denied By Financial Institution | 319 | $88,280,000 | $276,000 | $2,280,000 | $139,000 | $840,000 |
| Application Approved But Not Accepted | 202 | $59,026,000 | $292,000 | $1,820,000 | $135,000 | $526,000 |
| Application Withdrawn By Applicant | 199 | $53,422,000 | $268,000 | $2,194,000 | $105,000 | $1,080,000 |
| File Closed For Incompleteness | 25 | $6,759,000 | $270,000 | $583,000 | $134,000 | $197,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 99 | $24,253,000 | $244,000 | $1,365,000 | $159,000 | $705,000 |
| Unverifiable Information | 69 | $21,413,000 | $310,000 | $1,398,000 | $122,000 | $378,000 |
| Credit History | 45 | $14,861,000 | $330,000 | $2,280,000 | $131,000 | $840,000 |
| Collateral | 41 | $10,887,000 | $265,000 | $926,000 | $123,000 | $420,000 |
| Debt-To-Income Ratio | 22 | $5,142,000 | $233,000 | $476,000 | $161,000 | $586,000 |
| Employment History | 21 | $5,851,000 | $278,000 | $940,000 | $144,000 | $323,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 19 | $4,959,000 | $261,000 | $488,000 | $120,000 | $172,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Pmac Lending Services Inc'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 Pmac Lending Services 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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with aggregated HMDA statistics today.
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