Synergy Capital Mortgage Corp. Mortgage Lending & HMDA Data, 2010
In 2010, Synergy Capital Mortgage Corp. of Irvine, CA reported 59 mortgage applications totaling $12.0 million. The average application was for $203,813, and applicants reported an average income of $75,440. 20% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (12), Riverside-San Bernardino-Ontario, CA (8) and Oakland-Fremont-Hayward, CA (6) (applications in parentheses).
| Mortgage Company & Address | Synergy Capital Mortgage Corp. 19500 Jamboree Road Irvine, CA 92612 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2006 2005 |
| Total Number of Mortgage Applications | 59 |
| Total Mortgage Loan Application Amount | $12,025,000 |
| Average Mortgage Loan Application Amount | $203,813 |
| Highest Mortgage Loan Application Amount | $730,000 |
| Average Applicant Income | $75,440 |
| Highest Applicant Income | $339,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Synergy Capital Mortgage Corp. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 12 | $ 3,068,000 | $ 255,666 | $ 73,000 |
| Riverside-San Bernardino-Ontario, CA | 8 | $ 927,000 | $ 115,875 | $ 59,000 |
| Oakland-Fremont-Hayward, CA | 6 | $ 1,465,000 | $ 244,166 | $ 81,000 |
| Fresno, CA | 5 | $ 703,000 | $ 140,600 | $ 38,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 5 | $ 1,165,000 | $ 233,000 | $ 51,000 |
| San Diego-Carlsbad-San Marcos, CA | 5 | $ 1,223,000 | $ 244,600 | $ 57,000 |
| Madera-Chowchilla, CA | 3 | $ 321,000 | $ 107,000 | $ 103,000 |
| Santa Ana-Anaheim-Irvine, CA | 3 | $ 1,119,000 | $ 373,000 | $ 213,000 |
| Stockton, CA | 3 | $ 552,000 | $ 184,000 | $ 90,000 |
| Salinas, CA | 2 | $ 453,000 | $ 226,500 | $ 146,000 |
| Bakersfield-Delano, CA | 1 | $ 83,000 | $ 83,000 | $ 30,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 98,000 | $ 98,000 | $ 44,000 |
| Lakeland-Winter Haven, FL | 1 | $ 83,000 | $ 83,000 | $ 43,000 |
| Modesto, CA | 1 | $ 196,000 | $ 196,000 | $ 65,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 417,000 | $ 417,000 | $ 164,000 |
| Vallejo-Fairfield, CA | 1 | $ 72,000 | $ 72,000 | $ 19,000 |
Mortgage Loan Application Detail Totals for Synergy Capital Mortgage Corp. in 2010
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 | 53 | $10,151,000 | $191,000 | $496,000 | $73,000 | $339,000 |
| Refinancing | 6 | $1,874,000 | $312,000 | $730,000 | $97,000 | $252,000 |
| 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 |
|---|---|---|---|---|---|---|
| White | 19 | $4,289,000 | $225,000 | $730,000 | $102,000 | $339,000 |
| Not Provided | 15 | $2,871,000 | $191,000 | $352,000 | $44,000 | $168,000 |
| Hispanic | 14 | $2,942,000 | $210,000 | $496,000 | $79,000 | $179,000 |
| Asian | 5 | $884,000 | $176,000 | $280,000 | $66,000 | $113,000 |
| Black or African American | 3 | $370,000 | $123,000 | $152,000 | $32,000 | $44,000 |
| American Indian or Alaskan Native | 2 | $424,000 | $212,000 | $316,000 | $102,000 | $102,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $245,000 | $245,000 | $245,000 | $108,000 | $108,000 |
| 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) | 33 | $7,132,000 | $216,000 | $730,000 | $96,000 | $339,000 |
| FHA-insured (Federal Housing Administration) | 25 | $4,541,000 | $181,000 | $416,000 | $47,000 | $118,000 |
| VA-guaranteed (Veterans Administration) | 1 | $352,000 | $352,000 | $352,000 | $95,000 | $95,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 36 | $7,918,000 | $219,000 | $730,000 | $68,000 | $339,000 |
| Loan Originated | 12 | $2,409,000 | $200,000 | $496,000 | $106,000 | $179,000 |
| Application Denied By Financial Institution | 11 | $1,698,000 | $154,000 | $296,000 | $66,000 | $190,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 2 | $357,000 | $178,000 | $249,000 | $74,000 | $102,000 |
| Collateral | 1 | $137,000 | $137,000 | $137,000 | $190,000 | $190,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $88,000 | $88,000 | $88,000 | $30,000 | $30,000 |
| Credit History | 1 | $108,000 | $108,000 | $108,000 | $27,000 | $27,000 |
| Unverifiable Information | 1 | $296,000 | $296,000 | $296,000 | $90,000 | $90,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Synergy Capital Mortgage Corp.'s 2010 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 Synergy Capital Mortgage Corp.'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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