Csw Financial LLC dba Titan Wh Mortgage Lending & HMDA Data, 2009

In 2009, Csw Financial LLC dba Titan Wh of Reno, NV reported 2,360 mortgage applications totaling $650.8 million, up 94% from 2008. The average application was for $275,759, and applicants reported an average income of $90,446. 48% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (480), Sacramento--Arden-Arcade--Roseville, CA (302) and Oakland-Fremont-Hayward, CA (266) (applications in parentheses).

Mortgage Company & Address Csw Financial LLC dba Titan Wh
7510 Longley Lane
Reno, NV 89502
Federal Regulator * available with data download
Years 2009  2008  2007  
Total Number of Mortgage Applications 2,360
Total Mortgage Loan Application Amount $650,793,000
Average Mortgage Loan Application Amount $275,759
Highest Mortgage Loan Application Amount $1,123,000
Average Applicant Income $90,446
Highest Applicant Income $1,763,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Csw Financial LLC dba Titan Wh filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Totals for Csw Financial LLC dba Titan Wh by County in 2009

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 480 $ 161,599,000 $ 336,664 $ 107,000
Sacramento, California 236 $ 41,532,000 $ 175,983 $ 60,000
Alameda, California 146 $ 45,451,000 $ 311,308 $ 93,000
Clark, Nevada 146 $ 26,785,000 $ 183,458 $ 44,000
Contra Costa, California 120 $ 33,145,000 $ 276,208 $ 99,000
Santa Clara, California 116 $ 43,727,000 $ 376,956 $ 126,000
Orange, California 96 $ 34,645,000 $ 360,885 $ 140,000
San Diego, California 91 $ 28,238,000 $ 310,307 $ 97,000
Ventura, California 77 $ 25,681,000 $ 333,519 $ 113,000
Riverside, California 61 $ 12,941,000 $ 212,147 $ 77,000
San Francisco, California 58 $ 27,344,000 $ 471,448 $ 131,000
San Mateo, California 55 $ 20,997,000 $ 381,763 $ 106,000
San Joaquin, California 54 $ 8,881,000 $ 164,462 $ 64,000
Maricopa, Arizona 52 $ 9,067,000 $ 174,365 $ 75,000
Washoe, Nevada 50 $ 10,356,000 $ 207,120 $ 67,000
Placer, California 47 $ 13,445,000 $ 286,063 $ 107,000
Solano, California 47 $ 10,761,000 $ 228,957 $ 74,000
San Bernardino, California 42 $ 7,903,000 $ 188,166 $ 74,000
Stanislaus, California 42 $ 6,628,000 $ 157,809 $ 54,000
Salt Lake, Utah 37 $ 9,729,000 $ 262,945 $ 60,000
Kern, California 22 $ 3,154,000 $ 143,363 $ 100,000
Humboldt, California 16 $ 3,215,000 $ 200,937 $ 57,000
Marin, California 15 $ 6,025,000 $ 401,666 $ 124,000
Fresno, California 14 $ 2,282,000 $ 163,000 $ 54,000
Utah, Utah 14 $ 2,458,000 $ 175,571 $ 17,000
Nevada, California 13 $ 4,952,000 $ 380,923 $ 185,000
Yolo, California 13 $ 2,960,000 $ 227,692 $ 68,000
Tulare, California 11 $ 1,528,000 $ 138,909 $ 93,000
Napa, California 10 $ 4,112,000 $ 411,200 $ 108,000
Calaveras, California 9 $ 1,600,000 $ 177,777 $ 76,000
Monterey, California 9 $ 2,509,000 $ 278,777 $ 231,000
Santa Barbara, California 9 $ 3,175,000 $ 352,777 $ 71,000
Davis, Utah 9 $ 2,215,000 $ 246,111 $ 55,000
Santa Cruz, California 8 $ 3,374,000 $ 421,750 $ 97,000
Merced, California 7 $ 912,000 $ 130,285 $ 61,000
Sonoma, California 7 $ 1,442,000 $ 206,000 $ 55,000
El Dorado, California 6 $ 1,234,000 $ 205,666 $ 61,000
Imperial, California 6 $ 583,000 $ 97,166 $ 68,000
Weber, Utah 6 $ 1,346,000 $ 224,333 $ 21,000
Mohave, Arizona 5 $ 827,000 $ 165,400 $ 61,000
Pinal, Arizona 5 $ 466,000 $ 93,200 $ 49,000
Multnomah, Oregon 5 $ 1,507,000 $ 301,400 $ 131,000
Pima, Arizona 4 $ 1,220,000 $ 305,000 $ 90,000
Yavapai, Arizona 4 $ 538,000 $ 134,500 $ 53,000
San Luis Obispo, California 4 $ 1,593,000 $ 398,250 $ 106,000
Shasta, California 4 $ 1,306,000 $ 326,500 $ 144,000
Yuba, California 4 $ 773,000 $ 193,250 $ 80,000
King, Washington 4 $ 1,346,000 $ 336,500 $ 56,000
Pierce, Washington 4 $ 867,000 $ 216,750 $ 59,000
Lassen, California 3 $ 598,000 $ 199,333 $ 53,000
Madera, California 3 $ 560,000 $ 186,666 $ 60,000
Carson City, Nevada 3 $ 550,000 $ 183,333 $ 48,000
Columbia, Oregon 3 $ 632,000 $ 210,666 $ 28,000
Washington, Oregon 3 $ 648,000 $ 216,000 $ 53,000
Summit, Utah 3 $ 1,068,000 $ 356,000 $ 74,000
Coconino, Arizona 2 $ 580,000 $ 290,000 $ 101,000
Amador, California 2 $ 514,000 $ 257,000 $ 85,000
Butte, California 2 $ 348,000 $ 174,000 $ 59,000
Inyo, California 2 $ 538,000 $ 269,000 $ 38,000
Lake, California 2 $ 507,000 $ 253,500 $ 169,000
Mendocino, California 2 $ 512,000 $ 256,000 $ 61,000
San Benito, California 2 $ 444,000 $ 222,000 $ 63,000
Klamath, Oregon 2 $ 224,000 $ 112,000 $ 41,000
Cache, Utah 2 $ 450,000 $ 225,000 $ 43,000
Washington, Utah 2 $ 304,000 $ 152,000 $ 112,000
Spokane, Washington 2 $ 314,000 $ 157,000 $ 51,000
Yuma, Arizona 1 $ 107,000 $ 107,000 $ 46,000
Colusa, California 1 $ 195,000 $ 195,000 $ 62,000
Plumas, California 1 $ 110,000 $ 110,000 $ 151,000
Trinity, California 1 $ 108,000 $ 108,000 $ 125,000
Tuolumne, California 1 $ 200,000 $ 200,000 $ 145,000
Douglas, Nevada 1 $ 170,000 $ 170,000 $ 39,000
Elko, Nevada 1 $ 60,000 $ 60,000 $ 56,000
Nye, Nevada 1 $ 86,000 $ 86,000 $ 26,000
Clackamas, Oregon 1 $ 219,000 $ 219,000 $ 72,000
Deschutes, Oregon 1 $ 238,000 $ 238,000 $ 230,000
Jackson, Oregon 1 $ 193,000 $ 193,000 $ 44,000
Josephine, Oregon 1 $ 224,000 $ 224,000 $ 36,000
Lane, Oregon 1 $ 310,000 $ 310,000 $ 0
Garfield, Utah 1 $ 131,000 $ 131,000 $ 0
Tooele, Utah 1 $ 315,000 $ 315,000 $ 0
Uintah, Utah 1 $ 168,000 $ 168,000 $ 57,000
Wasatch, Utah 1 $ 264,000 $ 264,000 $ 149,000
Clark, Washington 1 $ 148,000 $ 148,000 $ 50,000
Jefferson, Washington 1 $ 182,000 $ 182,000 $ 104,000
Snohomish, Washington 1 $ 200,000 $ 200,000 $ 35,000

Mortgage Loan Application Detail Totals for Csw Financial LLC dba Titan Wh 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 1,181 $384,065,000 $325,000 $1,080,000 $97,000 $1,763,000
Home Purchase 1,169 $263,877,000 $225,000 $1,123,000 $84,000 $1,661,000
Home Improvement 10 $2,851,000 $285,000 $417,000 $70,000 $155,000

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 1,213 $355,176,000 $292,000 $1,123,000 $99,000 $1,763,000
Hispanic 449 $93,414,000 $208,000 $750,000 $63,000 $1,661,000
Asian 339 $93,954,000 $277,000 $663,000 $85,000 $375,000
Not Provided 250 $79,854,000 $319,000 $1,066,000 $111,000 $471,000
Black or African American 62 $16,559,000 $267,000 $636,000 $71,000 $209,000
Native Hawaiian or Other Pacific Islander 39 $10,263,000 $263,000 $648,000 $76,000 $255,000
American Indian or Alaskan Native 8 $1,573,000 $196,000 $512,000 $156,000 $313,000
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) 1,702 $497,992,000 $292,000 $1,123,000 $103,000 $1,763,000
FHA-insured (Federal Housing Administration) 658 $152,801,000 $232,000 $916,000 $58,000 $1,661,000
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 1,121 $294,963,000 $263,000 $916,000 $86,000 $1,763,000
Application Withdrawn By Applicant 830 $247,770,000 $298,000 $1,123,000 $101,000 $1,661,000
Application Denied By Financial Institution 297 $75,503,000 $254,000 $1,066,000 $76,000 $317,000
Application Approved But Not Accepted 100 $29,359,000 $293,000 $636,000 $94,000 $429,000
File Closed For Incompleteness 12 $3,198,000 $266,000 $576,000 $105,000 $315,000
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
Debt-To-Income Ratio 97 $26,298,000 $271,000 $1,005,000 $75,000 $308,000
Collateral 62 $15,003,000 $241,000 $641,000 $83,000 $317,000
Credit History 29 $5,626,000 $194,000 $413,000 $56,000 $122,000
Other 22 $4,531,000 $205,000 $590,000 $64,000 $239,000
Unverifiable Information 16 $4,144,000 $259,000 $417,000 $79,000 $238,000
Employment History 14 $2,929,000 $209,000 $328,000 $51,000 $100,000
Mortgage Insurance Denied 3 $1,399,000 $466,000 $595,000 $155,000 $243,000
Insufficient Cash (Downpayment, Closing Cost) 1 $111,000 $111,000 $111,000 $27,000 $27,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Csw Financial LLC dba Titan Wh'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 Csw Financial LLC dba Titan Wh'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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