Sage Credit Company, Inc Mortgage Lending & HMDA Data, 2007
In 2007, Sage Credit Company, Inc of Irvine, CA reported 692 mortgage applications totaling $167.8 million, down 61% from 2006. The average application was for $242,462, and applicants reported an average income of $109,654. 31% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Las Vegas-Paradise, NV (63), Santa Ana-Anaheim-Irvine, CA (30) and Los Angeles-Long Beach-Glendale, CA (28) (applications in parentheses).
| Mortgage Company & Address | Sage Credit Company, Inc 8001 Irvine Center Drive 3200 Irvine, CA 92618 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 |
| Total Number of Mortgage Applications | 692 |
| Total Mortgage Loan Application Amount | $167,784,000 |
| Average Mortgage Loan Application Amount | $242,462 |
| Highest Mortgage Loan Application Amount | $1,280,000 |
| Average Applicant Income | $109,654 |
| Highest Applicant Income | $1,317,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Sage Credit Company, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Las Vegas-Paradise, NV | 63 | $ 15,957,000 | $ 253,285 | $ 117,000 |
| Santa Ana-Anaheim-Irvine, CA | 30 | $ 10,767,000 | $ 358,900 | $ 177,000 |
| Los Angeles-Long Beach-Glendale, CA | 28 | $ 9,020,000 | $ 322,142 | $ 123,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 28 | $ 6,967,000 | $ 248,821 | $ 89,357 |
| Atlanta-Sandy Springs-Marietta, GA | 22 | $ 3,799,000 | $ 172,681 | $ 79,000 |
| Phoenix-Mesa-Scottsdale, AZ | 20 | $ 4,576,000 | $ 228,800 | $ 120,000 |
| Miami-Miami Beach-Kendall, FL | 17 | $ 5,114,000 | $ 300,823 | $ 94,000 |
| Chicago-Naperville-Joliet, IL | 16 | $ 3,393,000 | $ 212,062 | $ 95,000 |
| Riverside-San Bernardino-Ontario, CA | 15 | $ 4,061,000 | $ 270,733 | $ 131,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 14 | $ 3,066,000 | $ 219,000 | $ 83,000 |
| Portland-Vancouver-Beaverton, OR-WA | 13 | $ 3,049,000 | $ 234,538 | $ 116,153 |
| Reno-Sparks, NV | 13 | $ 3,009,000 | $ 231,461 | $ 85,000 |
| Newark-Union, NJ-PA | 11 | $ 3,668,000 | $ 333,454 | $ 130,000 |
| Tampa-St. Petersburg-Clearwater, FL | 11 | $ 2,543,000 | $ 231,181 | $ 121,000 |
| Baltimore-Towson, MD | 9 | $ 2,359,000 | $ 262,111 | $ 86,000 |
| Cape Coral-Fort Myers, FL | 9 | $ 2,511,000 | $ 279,000 | $ 114,000 |
| Edison, NJ | 9 | $ 2,555,000 | $ 283,888 | $ 90,000 |
| Orlando-Kissimmee, FL | 9 | $ 1,813,000 | $ 201,444 | $ 65,000 |
| Seattle-Bellevue-Everett, WA | 8 | $ 2,154,000 | $ 269,250 | $ 135,000 |
| Atlantic City, NJ | 6 | $ 2,057,000 | $ 342,833 | $ 133,000 |
| Bethesda-Gaithersburg-Frederick, MD | 6 | $ 1,442,000 | $ 240,333 | $ 74,000 |
| Boise City-Nampa, ID | 6 | $ 1,146,000 | $ 191,000 | $ 72,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 6 | $ 927,000 | $ 154,500 | $ 66,000 |
| New York-White Plains-Wayne, NY-NJ | 6 | $ 1,055,000 | $ 175,833 | $ 22,000 |
| Salt Lake City, UT | 6 | $ 1,176,000 | $ 196,000 | $ 53,000 |
| Honolulu, HI | 5 | $ 1,398,000 | $ 279,600 | $ 84,000 |
| Ogden-Clearfield, UT | 5 | $ 793,000 | $ 158,600 | $ 65,000 |
| Tacoma, WA | 5 | $ 1,049,000 | $ 209,800 | $ 67,000 |
| Denver-Aurora, CO | 4 | $ 1,118,000 | $ 279,500 | $ 55,000 |
| Idaho Falls, ID | 4 | $ 594,000 | $ 148,500 | $ 59,000 |
| Raleigh-Cary, NC | 4 | $ 468,000 | $ 117,000 | $ 108,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 4 | $ 774,000 | $ 193,500 | $ 27,000 |
| Salem, OR | 4 | $ 679,000 | $ 169,750 | $ 65,000 |
| Santa Fe, NM | 4 | $ 595,000 | $ 148,750 | $ 87,000 |
| Bridgeport-Stamford-Norwalk, CT | 3 | $ 1,688,000 | $ 562,666 | $ 119,000 |
| Charleston-North Charleston, SC | 3 | $ 596,000 | $ 198,666 | $ 119,000 |
| Charlotte-Gastonia-Concord, NC-SC | 3 | $ 588,000 | $ 196,000 | $ 62,000 |
| Eugene-Springfield, OR | 3 | $ 477,000 | $ 159,000 | $ 72,000 |
| Lake County-Kenosha County, IL-WI | 3 | $ 695,000 | $ 231,666 | $ 82,000 |
| Memphis, TN-MS-AR | 3 | $ 661,000 | $ 220,333 | $ 108,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3 | $ 362,000 | $ 120,666 | $ 119,333 |
| Monroe, MI | 3 | $ 391,000 | $ 130,333 | $ 80,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 453,000 | $ 151,000 | $ 76,000 |
| Port St. Lucie, FL | 3 | $ 525,000 | $ 175,000 | $ 235,000 |
| Provo-Orem, UT | 3 | $ 556,000 | $ 185,333 | $ 101,000 |
| San Diego-Carlsbad-San Marcos, CA | 3 | $ 1,463,000 | $ 487,666 | $ 89,000 |
| Tucson, AZ | 3 | $ 550,000 | $ 183,333 | $ 56,000 |
| Vallejo-Fairfield, CA | 3 | $ 717,000 | $ 239,000 | $ 145,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 424,000 | $ 141,333 | $ 33,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 3 | $ 830,000 | $ 276,666 | $ 76,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 387,000 | $ 193,500 | $ 110,000 |
| Bakersfield, CA | 2 | $ 523,000 | $ 261,500 | $ 152,000 |
| Bellingham, WA | 2 | $ 450,000 | $ 225,000 | $ 159,000 |
| Burlington-South Burlington, VT | 2 | $ 355,000 | $ 177,500 | $ 93,000 |
| Cambridge-Newton-Framingham, MA | 2 | $ 340,000 | $ 170,000 | $ 0 |
| Camden, NJ | 2 | $ 480,000 | $ 240,000 | $ 29,000 |
| Gainesville, FL | 2 | $ 438,000 | $ 219,000 | $ 35,000 |
| Hattiesburg, MS | 2 | $ 299,000 | $ 149,500 | $ 64,000 |
| Jackson, MS | 2 | $ 157,000 | $ 78,500 | $ 104,000 |
| Jacksonville, NC | 2 | $ 355,000 | $ 177,500 | $ 186,000 |
| Lexington-Fayette, KY | 2 | $ 371,000 | $ 185,500 | $ 101,000 |
| Nassau-Suffolk, NY | 2 | $ 114,000 | $ 57,000 | $ 126,000 |
| New Orleans-Metairie-Kenner, LA | 2 | $ 326,000 | $ 163,000 | $ 128,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 130,000 | $ 65,000 | $ 41,000 |
| Panama City-Lynn Haven, FL | 2 | $ 195,000 | $ 97,500 | $ 89,000 |
| Prescott, AZ | 2 | $ 485,000 | $ 242,500 | $ 175,000 |
| Richmond, VA | 2 | $ 371,000 | $ 185,500 | $ 42,000 |
| San Francisco-San Mateo-Redwood City, CA | 2 | $ 1,045,000 | $ 522,500 | $ 318,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 585,000 | $ 292,500 | $ 128,000 |
| Stockton, CA | 2 | $ 682,000 | $ 341,000 | $ 66,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 304,000 | $ 152,000 | $ 0 |
| Wilmington, NC | 2 | $ 451,000 | $ 225,500 | $ 152,000 |
| Albuquerque, NM | 1 | $ 310,000 | $ 310,000 | $ 83,000 |
| Athens-Clarke County, GA | 1 | $ 117,000 | $ 117,000 | $ 45,000 |
| Birmingham-Hoover, AL | 1 | $ 327,000 | $ 327,000 | $ 96,000 |
| Boston-Quincy, MA | 1 | $ 125,000 | $ 125,000 | $ 32,000 |
| Bremerton-Silverdale, WA | 1 | $ 196,000 | $ 196,000 | $ 83,000 |
| Chico, CA | 1 | $ 117,000 | $ 117,000 | $ 27,000 |
| Colorado Springs, CO | 1 | $ 417,000 | $ 417,000 | $ 180,000 |
| Columbus, OH | 1 | $ 155,000 | $ 155,000 | $ 37,000 |
| Durham, NC | 1 | $ 122,000 | $ 122,000 | $ 64,000 |
| El Centro, CA | 1 | $ 252,000 | $ 252,000 | $ 98,000 |
| Fairbanks, AK | 1 | $ 253,000 | $ 253,000 | $ 60,000 |
| Flagstaff, AZ | 1 | $ 295,000 | $ 295,000 | $ 54,000 |
| Flint, MI | 1 | $ 73,000 | $ 73,000 | $ 83,000 |
| Fresno, CA | 1 | $ 220,000 | $ 220,000 | $ 85,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 152,000 | $ 152,000 | $ 114,000 |
| Greensboro-High Point, NC | 1 | $ 162,000 | $ 162,000 | $ 81,000 |
| Gulfport-Biloxi, MS | 1 | $ 25,000 | $ 25,000 | $ 98,000 |
| Indianapolis-Carmel, IN | 1 | $ 180,000 | $ 180,000 | $ 84,000 |
| Kansas City, MO-KS | 1 | $ 27,000 | $ 27,000 | $ 234,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 119,000 | $ 119,000 | $ 95,000 |
| Lafayette, LA | 1 | $ 113,000 | $ 113,000 | $ 59,000 |
| Mobile, AL | 1 | $ 174,000 | $ 174,000 | $ 254,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 1 | $ 120,000 | $ 120,000 | $ 393,000 |
| Naples-Marco Island, FL | 1 | $ 40,000 | $ 40,000 | $ 78,000 |
| New Haven-Milford, CT | 1 | $ 324,000 | $ 324,000 | $ 110,000 |
| Norwich-New London, CT | 1 | $ 200,000 | $ 200,000 | $ 78,000 |
| Ocean City, NJ | 1 | $ 130,000 | $ 130,000 | $ 28,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 298,000 | $ 298,000 | $ 106,000 |
| Peabody, MA | 1 | $ 278,000 | $ 278,000 | $ 62,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 88,000 | $ 88,000 | $ 26,000 |
| Philadelphia, PA | 1 | $ 395,000 | $ 395,000 | $ 144,000 |
| Pine Bluff, AR | 1 | $ 400,000 | $ 400,000 | $ 99,000 |
| Portland-South Portland-Biddeford, ME | 1 | $ 178,000 | $ 178,000 | $ 62,000 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 362,000 | $ 362,000 | $ 127,000 |
| Salinas, CA | 1 | $ 40,000 | $ 40,000 | $ 82,000 |
| Salisbury, MD | 1 | $ 340,000 | $ 340,000 | $ 57,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 536,000 | $ 536,000 | $ 82,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 179,000 | $ 179,000 | $ 152,000 |
| Sioux City, IA-NE-SD | 1 | $ 159,000 | $ 159,000 | $ 0 |
| St. George, UT | 1 | $ 255,000 | $ 255,000 | $ 1,317,000 |
| St. Joseph, MO-KS | 1 | $ 324,000 | $ 324,000 | $ 111,000 |
| St. Louis, MO-IL | 1 | $ 261,000 | $ 261,000 | $ 106,000 |
| Yuba City, CA | 1 | $ 324,000 | $ 324,000 | $ 192,000 |
Mortgage Loan Application Detail Totals for Sage Credit Company, Inc in 2007
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 | 559 | $142,191,000 | $254,000 | $1,280,000 | $111,000 | $1,317,000 |
| Home Purchase | 133 | $25,593,000 | $192,000 | $719,000 | $104,000 | $570,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not Provided | 333 | $80,337,000 | $241,000 | $999,000 | $90,000 | $768,000 |
| White | 225 | $52,470,000 | $233,000 | $1,280,000 | $129,000 | $1,317,000 |
| Hispanic | 63 | $15,799,000 | $250,000 | $750,000 | $105,000 | $306,000 |
| Black or African American | 45 | $11,443,000 | $254,000 | $1,000,000 | $174,000 | $1,260,000 |
| Asian | 18 | $5,601,000 | $311,000 | $935,000 | $102,000 | $233,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,767,000 | $353,000 | $490,000 | $83,000 | $192,000 |
| American Indian or Alaskan Native | 2 | $188,000 | $94,000 | $158,000 | $55,000 | $55,000 |
| Not applicable | 1 | $179,000 | $179,000 | $179,000 | $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) | 692 | $167,784,000 | $242,000 | $1,280,000 | $109,000 | $1,317,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 Approved But Not Accepted | 229 | $55,337,000 | $241,000 | $1,000,000 | $111,000 | $1,317,000 |
| Loan Originated | 217 | $52,019,000 | $239,000 | $1,114,000 | $123,000 | $1,317,000 |
| Application Withdrawn By Applicant | 180 | $42,757,000 | $237,000 | $910,000 | $90,000 | $480,000 |
| Application Denied By Financial Institution | 39 | $11,399,000 | $292,000 | $1,280,000 | $137,000 | $660,000 |
| File Closed For Incompleteness | 21 | $4,976,000 | $236,000 | $522,000 | $94,000 | $192,000 |
| Loan Purchased By The Institution | 6 | $1,296,000 | $216,000 | $330,000 | $21,000 | $89,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 3 | $673,000 | $224,000 | $284,000 | $129,000 | $186,000 |
| Unverifiable Information | 3 | $310,000 | $103,000 | $213,000 | $80,000 | $186,000 |
| Collateral | 2 | $575,000 | $287,000 | $368,000 | $103,000 | $128,000 |
| Credit History | 2 | $366,000 | $183,000 | $204,000 | $51,000 | $74,000 |
| Debt-To-Income Ratio | 2 | $516,000 | $258,000 | $413,000 | $280,000 | $280,000 |
| Employment History | 1 | $700,000 | $700,000 | $700,000 | $249,000 | $249,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 Sage Credit Company, Inc's 2007 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 Sage Credit Company, 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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