Sage Credit Company, Inc Mortgage Lending & HMDA Data, 2006
In 2006, Sage Credit Company, Inc of Irvine, CA reported 1,761 mortgage applications totaling $445.6 million. The average application was for $253,058, and applicants reported an average income of $114,032. 40% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Las Vegas-Paradise, NV (139), Washington-Arlington-Alexandria, DC-VA-MD-WV (101) and Atlanta-Sandy Springs-Marietta, GA (75) (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 | 1,761 |
| Total Mortgage Loan Application Amount | $445,636,000 |
| Average Mortgage Loan Application Amount | $253,058 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $114,032 |
| Highest Applicant Income | $1,269,000 |
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(HMDA) records Sage Credit Company, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 139 | $ 32,267,000 | $ 232,136 | $ 100,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 101 | $ 28,171,000 | $ 278,920 | $ 92,930 |
| Atlanta-Sandy Springs-Marietta, GA | 75 | $ 12,863,000 | $ 171,506 | $ 105,000 |
| Los Angeles-Long Beach-Glendale, CA | 75 | $ 25,690,000 | $ 342,533 | $ 166,000 |
| Miami-Miami Beach-Kendall, FL | 59 | $ 17,694,000 | $ 299,898 | $ 126,000 |
| Santa Ana-Anaheim-Irvine, CA | 55 | $ 22,937,000 | $ 417,036 | $ 211,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 44 | $ 11,657,000 | $ 264,931 | $ 99,000 |
| Phoenix-Mesa-Scottsdale, AZ | 40 | $ 9,907,000 | $ 247,675 | $ 81,000 |
| Baltimore-Towson, MD | 39 | $ 7,819,000 | $ 200,487 | $ 118,000 |
| Riverside-San Bernardino-Ontario, CA | 38 | $ 12,214,000 | $ 321,421 | $ 166,000 |
| New York-White Plains-Wayne, NY-NJ | 37 | $ 12,476,000 | $ 337,189 | $ 99,756 |
| Edison, NJ | 35 | $ 8,696,000 | $ 248,457 | $ 108,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 35 | $ 9,313,000 | $ 266,085 | $ 125,000 |
| Reno-Sparks, NV | 31 | $ 6,326,000 | $ 204,064 | $ 114,000 |
| Newark-Union, NJ-PA | 28 | $ 7,559,000 | $ 269,964 | $ 106,000 |
| Tampa-St. Petersburg-Clearwater, FL | 26 | $ 6,556,000 | $ 252,153 | $ 149,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 26 | $ 5,050,000 | $ 194,230 | $ 70,000 |
| Bethesda-Gaithersburg-Frederick, MD | 22 | $ 5,592,000 | $ 254,181 | $ 92,000 |
| Camden, NJ | 17 | $ 3,114,000 | $ 183,176 | $ 99,000 |
| Chicago-Naperville-Joliet, IL | 17 | $ 3,685,000 | $ 216,764 | $ 81,000 |
| Jacksonville, FL | 15 | $ 2,324,000 | $ 154,933 | $ 73,000 |
| Richmond, VA | 15 | $ 2,663,000 | $ 177,533 | $ 95,000 |
| Cape Coral-Fort Myers, FL | 14 | $ 3,915,000 | $ 279,642 | $ 117,000 |
| Orlando-Kissimmee, FL | 14 | $ 2,840,000 | $ 202,857 | $ 90,000 |
| Kansas City, MO-KS | 13 | $ 1,543,000 | $ 118,692 | $ 75,384 |
| Warren-Troy-Farmington Hills, MI | 13 | $ 2,963,000 | $ 227,923 | $ 91,000 |
| Denver-Aurora, CO | 12 | $ 2,044,000 | $ 170,333 | $ 86,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 12 | $ 2,425,000 | $ 202,083 | $ 65,000 |
| Portland-Vancouver-Beaverton, OR-WA | 12 | $ 2,548,000 | $ 212,333 | $ 90,500 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 11 | $ 6,301,000 | $ 572,818 | $ 208,000 |
| Hagerstown-Martinsburg, MD-WV | 10 | $ 1,828,000 | $ 182,800 | $ 69,700 |
| Tucson, AZ | 10 | $ 2,474,000 | $ 247,400 | $ 97,000 |
| Oakland-Fremont-Hayward, CA | 9 | $ 3,610,000 | $ 401,111 | $ 62,000 |
| St. Louis, MO-IL | 9 | $ 2,094,000 | $ 232,666 | $ 139,666 |
| Memphis, TN-MS-AR | 8 | $ 1,114,000 | $ 139,250 | $ 84,000 |
| Nashville-Davidson--Murfreesboro, TN | 8 | $ 1,364,000 | $ 170,500 | $ 214,000 |
| Port St. Lucie-Fort Pierce, FL | 8 | $ 2,705,000 | $ 338,125 | $ 122,000 |
| Seattle-Bellevue-Everett, WA | 8 | $ 2,548,000 | $ 318,500 | $ 84,000 |
| Naples-Marco Island, FL | 7 | $ 2,435,000 | $ 347,857 | $ 77,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 6 | $ 1,551,000 | $ 258,500 | $ 79,000 |
| Charlotte-Gastonia-Concord, NC-SC | 6 | $ 971,000 | $ 161,833 | $ 96,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 6 | $ 2,257,000 | $ 376,166 | $ 105,000 |
| San Diego-Carlsbad-San Marcos, CA | 6 | $ 2,557,000 | $ 426,166 | $ 172,000 |
| Sarasota-Bradenton-Venice, FL | 6 | $ 1,390,000 | $ 231,666 | $ 59,000 |
| Albuquerque, NM | 5 | $ 685,000 | $ 137,000 | $ 34,000 |
| Ann Arbor, MI | 5 | $ 427,000 | $ 85,400 | $ 74,000 |
| Atlantic City, NJ | 5 | $ 855,000 | $ 171,000 | $ 97,000 |
| Boise City-Nampa, ID | 5 | $ 431,000 | $ 86,200 | $ 104,000 |
| Detroit-Livonia-Dearborn, MI | 5 | $ 1,209,000 | $ 241,800 | $ 47,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 5 | $ 727,000 | $ 145,400 | $ 68,000 |
| Honolulu, HI | 5 | $ 1,932,000 | $ 386,400 | $ 191,000 |
| Modesto, CA | 5 | $ 1,916,000 | $ 383,200 | $ 100,000 |
| Panama City-Lynn Haven, FL | 5 | $ 907,000 | $ 181,400 | $ 178,000 |
| Salt Lake City, UT | 5 | $ 741,000 | $ 148,200 | $ 136,000 |
| Tacoma, WA | 5 | $ 1,040,000 | $ 208,000 | $ 66,000 |
| Bakersfield, CA | 4 | $ 652,000 | $ 163,000 | $ 128,000 |
| Bellingham, WA | 4 | $ 475,000 | $ 118,750 | $ 117,000 |
| Carson City, NV | 4 | $ 1,128,000 | $ 282,000 | $ 70,000 |
| Cincinnati-Middletown, OH-KY-IN | 4 | $ 759,000 | $ 189,750 | $ 97,750 |
| Colorado Springs, CO | 4 | $ 879,000 | $ 219,750 | $ 39,000 |
| Oklahoma City, OK | 4 | $ 484,000 | $ 121,000 | $ 65,000 |
| San Francisco-San Mateo-Redwood City, CA | 4 | $ 1,370,000 | $ 342,500 | $ 76,000 |
| San Luis Obispo-Paso Robles, CA | 4 | $ 1,300,000 | $ 325,000 | $ 166,000 |
| Wilmington, DE-MD-NJ | 4 | $ 878,000 | $ 219,500 | $ 41,250 |
| Asheville, NC | 3 | $ 618,000 | $ 206,000 | $ 62,000 |
| Bridgeport-Stamford-Norwalk, CT | 3 | $ 721,000 | $ 240,333 | $ 113,000 |
| Medford, OR | 3 | $ 563,000 | $ 187,666 | $ 73,000 |
| Milwaukee-Waukesha-West Allis, WI | 3 | $ 261,000 | $ 87,000 | $ 28,000 |
| Montgomery, AL | 3 | $ 455,000 | $ 151,666 | $ 25,000 |
| Napa, CA | 3 | $ 1,138,000 | $ 379,333 | $ 23,000 |
| Nassau-Suffolk, NY | 3 | $ 715,000 | $ 238,333 | $ 98,000 |
| Omaha-Council Bluffs, NE-IA | 3 | $ 256,000 | $ 85,333 | $ 137,333 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 583,000 | $ 194,333 | $ 126,000 |
| Philadelphia, PA | 3 | $ 1,200,000 | $ 400,000 | $ 161,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 3 | $ 1,577,000 | $ 525,666 | $ 97,000 |
| Stockton, CA | 3 | $ 576,000 | $ 192,000 | $ 88,000 |
| Vallejo-Fairfield, CA | 3 | $ 506,000 | $ 168,666 | $ 117,000 |
| Winchester, VA-WV | 3 | $ 1,129,000 | $ 376,333 | $ 122,000 |
| Yuba City, CA | 3 | $ 570,000 | $ 190,000 | $ 212,000 |
| Anchorage, AK | 2 | $ 492,000 | $ 246,000 | $ 123,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 300,000 | $ 150,000 | $ 135,000 |
| Bend, OR | 2 | $ 450,000 | $ 225,000 | $ 39,000 |
| Binghamton, NY | 2 | $ 140,000 | $ 70,000 | $ 53,000 |
| Boulder, CO | 2 | $ 854,000 | $ 427,000 | $ 95,000 |
| Cheyenne, WY | 2 | $ 160,000 | $ 80,000 | $ 71,000 |
| Corvallis, OR | 2 | $ 244,000 | $ 122,000 | $ 64,000 |
| Davenport-Moline-Rock Island, IA-IL | 2 | $ 105,000 | $ 52,500 | $ 29,000 |
| Essex County, MA | 2 | $ 573,000 | $ 286,500 | $ 69,000 |
| Flint, MI | 2 | $ 215,000 | $ 107,500 | $ 517,000 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 257,000 | $ 128,500 | $ 43,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 400,000 | $ 200,000 | $ 52,000 |
| Indianapolis-Carmel, IN | 2 | $ 560,000 | $ 280,000 | $ 94,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 914,000 | $ 457,000 | $ 126,000 |
| Lansing-East Lansing, MI | 2 | $ 125,000 | $ 62,500 | $ 38,000 |
| Little Rock-North Little Rock, AR | 2 | $ 107,000 | $ 53,500 | $ 90,000 |
| Manchester-Nashua, NH | 2 | $ 468,000 | $ 234,000 | $ 32,000 |
| New Haven-Milford, CT | 2 | $ 445,000 | $ 222,500 | $ 74,000 |
| Ocean City, NJ | 2 | $ 600,000 | $ 300,000 | $ 166,000 |
| Pascagoula, MS | 2 | $ 160,000 | $ 80,000 | $ 192,000 |
| Prescott, AZ | 2 | $ 271,000 | $ 135,500 | $ 120,000 |
| Providence-New Bedford-Fall River, RI-MA | 2 | $ 648,000 | $ 324,000 | $ 78,000 |
| Provo-Orem, UT | 2 | $ 235,000 | $ 117,500 | $ 56,000 |
| Punta Gorda, FL | 2 | $ 400,000 | $ 200,000 | $ 18,000 |
| Raleigh-Cary, NC | 2 | $ 600,000 | $ 300,000 | $ 179,000 |
| Trenton-Ewing, NJ | 2 | $ 238,000 | $ 119,000 | $ 65,000 |
| Visalia-Porterville, CA | 2 | $ 677,000 | $ 338,500 | $ 75,000 |
| Worcester, MA | 2 | $ 278,000 | $ 139,000 | $ 143,000 |
| Yuma, AZ | 2 | $ 718,000 | $ 359,000 | $ 117,000 |
| Albany, GA | 1 | $ 84,000 | $ 84,000 | $ 48,000 |
| Baton Rouge, LA | 1 | $ 255,000 | $ 255,000 | $ 124,000 |
| Battle Creek, MI | 1 | $ 113,000 | $ 113,000 | $ 40,000 |
| Billings, MT | 1 | $ 92,000 | $ 92,000 | $ 27,000 |
| Birmingham-Hoover, AL | 1 | $ 145,000 | $ 145,000 | $ 124,000 |
| Boston-Quincy, MA | 1 | $ 346,000 | $ 346,000 | $ 105,000 |
| Casper, WY | 1 | $ 208,000 | $ 208,000 | $ 105,000 |
| Charleston-North Charleston, SC | 1 | $ 180,000 | $ 180,000 | $ 46,000 |
| Charlottesville, VA | 1 | $ 513,000 | $ 513,000 | $ 167,000 |
| Chattanooga, TN-GA | 1 | $ 120,000 | $ 120,000 | $ 204,000 |
| Chico, CA | 1 | $ 404,000 | $ 404,000 | $ 120,000 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 80,000 | $ 80,000 | $ 222,000 |
| Coeur D'Alene, ID | 1 | $ 143,000 | $ 143,000 | $ 14,000 |
| Dayton, OH | 1 | $ 68,000 | $ 68,000 | $ 36,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 262,000 | $ 262,000 | $ 54,000 |
| Elizabethtown, KY | 1 | $ 114,000 | $ 114,000 | $ 55,000 |
| Eugene-Springfield, OR | 1 | $ 78,000 | $ 78,000 | $ 41,000 |
| Fayetteville, NC | 1 | $ 84,000 | $ 84,000 | $ 42,000 |
| Flagstaff, AZ | 1 | $ 160,000 | $ 160,000 | $ 39,000 |
| Fresno, CA | 1 | $ 508,000 | $ 508,000 | $ 118,000 |
| Gainesville, FL | 1 | $ 470,000 | $ 470,000 | $ 150,000 |
| Gainesville, GA | 1 | $ 404,000 | $ 404,000 | $ 102,000 |
| Gulfport-Biloxi, MS | 1 | $ 55,000 | $ 55,000 | $ 24,000 |
| Huntsville, AL | 1 | $ 98,000 | $ 98,000 | $ 204,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 160,000 | $ 160,000 | $ 98,000 |
| Louisville-Jefferson County, KY-IN | 1 | $ 122,000 | $ 122,000 | $ 46,000 |
| Merced, CA | 1 | $ 289,000 | $ 289,000 | $ 81,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 128,000 | $ 128,000 | $ 156,000 |
| Ocala, FL | 1 | $ 191,000 | $ 191,000 | $ 78,000 |
| Pittsfield, MA | 1 | $ 244,000 | $ 244,000 | $ 83,000 |
| Portland-South Portland-Biddeford, ME | 1 | $ 113,000 | $ 113,000 | $ 161,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 1 | $ 274,000 | $ 274,000 | $ 65,000 |
| Reading, PA | 1 | $ 119,000 | $ 119,000 | $ 31,000 |
| Rockford, IL | 1 | $ 173,000 | $ 173,000 | $ 72,000 |
| Rockingham County-Strafford County, NH | 1 | $ 274,000 | $ 274,000 | $ 104,000 |
| Salinas, CA | 1 | $ 100,000 | $ 100,000 | $ 72,000 |
| Santa Barbara-Santa Maria, CA | 1 | $ 435,000 | $ 435,000 | $ 96,000 |
| Santa Fe, NM | 1 | $ 288,000 | $ 288,000 | $ 138,000 |
| Savannah, GA | 1 | $ 251,000 | $ 251,000 | $ 258,000 |
| Sebastian-Vero Beach, FL | 1 | $ 168,000 | $ 168,000 | $ 68,000 |
| Spartanburg, SC | 1 | $ 72,000 | $ 72,000 | $ 129,000 |
| Wenatchee, WA | 1 | $ 566,000 | $ 566,000 | $ 138,000 |
Mortgage Loan Application Detail Totals for Sage Credit Company, 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 |
|---|---|---|---|---|---|---|
| Refinancing | 1,429 | $378,023,000 | $264,000 | $1,500,000 | $108,000 | $1,269,000 |
| Home Purchase | 332 | $67,613,000 | $203,000 | $1,255,000 | $140,000 | $744,000 |
| 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 | 891 | $230,080,000 | $258,000 | $1,255,000 | $105,000 | $643,000 |
| White | 516 | $133,571,000 | $258,000 | $1,500,000 | $127,000 | $1,269,000 |
| Hispanic | 172 | $43,073,000 | $250,000 | $840,000 | $107,000 | $420,000 |
| Black or African American | 146 | $27,625,000 | $189,000 | $760,000 | $117,000 | $744,000 |
| Asian | 20 | $7,316,000 | $365,000 | $1,020,000 | $156,000 | $391,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $1,780,000 | $254,000 | $645,000 | $121,000 | $282,000 |
| Not applicable | 5 | $1,280,000 | $256,000 | $500,000 | $213,000 | $575,000 |
| American Indian or Alaskan Native | 4 | $911,000 | $227,000 | $335,000 | $34,000 | $56,000 |
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) | 1,761 | $445,636,000 | $253,000 | $1,500,000 | $114,000 | $1,269,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 699 | $172,435,000 | $246,000 | $1,500,000 | $113,000 | $960,000 |
| Application Withdrawn By Applicant | 505 | $128,553,000 | $254,000 | $1,020,000 | $111,000 | $643,000 |
| Application Approved But Not Accepted | 353 | $91,657,000 | $259,000 | $1,255,000 | $115,000 | $1,212,000 |
| Application Denied By Financial Institution | 161 | $40,601,000 | $252,000 | $1,080,000 | $123,000 | $1,269,000 |
| File Closed For Incompleteness | 43 | $12,390,000 | $288,000 | $1,000,000 | $104,000 | $300,000 |
| 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 | 28 | $5,562,000 | $198,000 | $772,000 | $120,000 | $240,000 |
| Collateral | 17 | $3,691,000 | $217,000 | $627,000 | $134,000 | $503,000 |
| Credit History | 12 | $2,458,000 | $204,000 | $637,000 | $100,000 | $198,000 |
| Debt-To-Income Ratio | 11 | $2,459,000 | $223,000 | $412,000 | $110,000 | $420,000 |
| Unverifiable Information | 2 | $608,000 | $304,000 | $320,000 | $207,000 | $300,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $196,000 | $196,000 | $196,000 | $69,000 | $69,000 |
| Mortgage Insurance Denied | 1 | $374,000 | $374,000 | $374,000 | $90,000 | $90,000 |
| Employment History | 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 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 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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