Csw Financial LLC dba Titan Wh Mortgage Lending & HMDA Data, 2008

In 2008, Csw Financial LLC dba Titan Wh of Reno, NV reported 1,216 mortgage applications totaling $325.8 million, up 201% from 2007. The average application was for $267,963, and applicants reported an average income of $93,764. 43% of its applications resulted in an originated loan and 32% were denied. Its largest markets were Sacramento--Arden-Arcade--Roseville, CA (264), Oakland-Fremont-Hayward, CA (112) and Los Angeles-Long Beach-Glendale, CA (110) (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 1,216
Total Mortgage Loan Application Amount $325,844,000
Average Mortgage Loan Application Amount $267,963
Highest Mortgage Loan Application Amount $2,405,000
Average Applicant Income $93,764
Highest Applicant Income $900,000

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records Csw Financial LLC dba Titan Wh filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2008

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Sacramento, California 203 $ 41,649,000 $ 205,167 $ 72,000
Los Angeles, California 110 $ 40,995,000 $ 372,681 $ 108,000
Alameda, California 64 $ 17,696,000 $ 276,500 $ 89,000
Contra Costa, California 48 $ 12,119,000 $ 252,479 $ 83,000
Santa Clara, California 48 $ 21,131,000 $ 440,229 $ 131,000
Orange, California 46 $ 14,086,000 $ 306,217 $ 101,000
Maricopa, Arizona 44 $ 9,468,000 $ 215,181 $ 76,000
Clark, Nevada 44 $ 8,510,000 $ 193,409 $ 83,000
Stanislaus, California 41 $ 7,382,000 $ 180,048 $ 66,000
Washoe, Nevada 41 $ 8,417,000 $ 205,292 $ 82,000
Solano, California 35 $ 8,822,000 $ 252,057 $ 87,000
Riverside, California 33 $ 7,912,000 $ 239,757 $ 104,000
Placer, California 32 $ 9,815,000 $ 306,718 $ 131,000
San Joaquin, California 31 $ 6,461,000 $ 208,419 $ 78,000
San Diego, California 27 $ 9,286,000 $ 343,925 $ 99,000
Imperial, California 24 $ 5,027,000 $ 209,458 $ 64,000
San Bernardino, California 21 $ 5,353,000 $ 254,904 $ 99,000
San Mateo, California 16 $ 7,469,000 $ 466,812 $ 126,000
El Dorado, California 15 $ 4,676,000 $ 311,733 $ 127,000
Sonoma, California 15 $ 4,632,000 $ 308,800 $ 108,000
Nevada, California 14 $ 3,963,000 $ 283,071 $ 106,000
San Francisco, California 14 $ 6,430,000 $ 459,285 $ 112,000
Yolo, California 14 $ 3,681,000 $ 262,928 $ 92,000
Humboldt, California 12 $ 3,390,000 $ 282,500 $ 72,000
Fresno, California 11 $ 2,524,000 $ 229,454 $ 78,000
Butte, California 10 $ 2,151,000 $ 215,100 $ 108,000
Merced, California 10 $ 1,747,000 $ 174,700 $ 64,000
Salt Lake, Utah 10 $ 3,019,000 $ 301,900 $ 134,000
Ventura, California 9 $ 3,360,000 $ 373,333 $ 114,000
Carson City, Nevada 8 $ 2,407,000 $ 300,875 $ 109,000
Kern, California 7 $ 1,790,000 $ 255,714 $ 111,000
Monterey, California 7 $ 1,917,000 $ 273,857 $ 113,000
Santa Barbara, California 7 $ 1,632,000 $ 233,142 $ 104,000
Utah, Utah 7 $ 2,071,000 $ 295,857 $ 93,000
Mendocino, California 6 $ 1,621,000 $ 270,166 $ 93,000
San Luis Obispo, California 6 $ 2,213,000 $ 368,833 $ 210,000
Shasta, California 6 $ 1,511,000 $ 251,833 $ 135,000
Multnomah, Oregon 6 $ 1,379,000 $ 229,833 $ 82,000
Napa, California 5 $ 2,382,000 $ 476,400 $ 182,000
Lyon, Nevada 5 $ 875,000 $ 175,000 $ 73,000
Pima, Arizona 4 $ 749,000 $ 187,250 $ 58,000
Madera, California 4 $ 1,296,000 $ 324,000 $ 143,000
Marin, California 4 $ 1,647,000 $ 411,750 $ 158,000
Davis, Utah 4 $ 937,000 $ 234,250 $ 62,000
Clark, Washington 4 $ 806,000 $ 201,500 $ 64,000
Pierce, Washington 4 $ 933,000 $ 233,250 $ 81,000
Mohave, Arizona 3 $ 624,000 $ 208,000 $ 92,000
Amador, California 3 $ 767,000 $ 255,666 $ 153,000
Santa Cruz, California 3 $ 1,223,000 $ 407,666 $ 102,000
Tulare, California 3 $ 600,000 $ 200,000 $ 83,000
Churchill, Nevada 3 $ 516,000 $ 172,000 $ 63,000
Douglas, Nevada 3 $ 1,180,000 $ 393,333 $ 344,000
Clackamas, Oregon 3 $ 798,000 $ 266,000 $ 54,000
Douglas, Oregon 3 $ 722,000 $ 240,666 $ 76,000
Weber, Utah 3 $ 291,000 $ 97,000 $ 80,000
King, Washington 3 $ 700,000 $ 233,333 $ 65,000
Kitsap, Washington 3 $ 601,000 $ 200,333 $ 191,000
Pinal, Arizona 2 $ 252,000 $ 126,000 $ 47,000
Yuma, Arizona 2 $ 452,000 $ 226,000 $ 52,000
Calaveras, California 2 $ 595,000 $ 297,500 $ 186,000
Lake, California 2 $ 672,000 $ 336,000 $ 88,000
San Benito, California 2 $ 436,000 $ 218,000 $ 67,000
Yuba, California 2 $ 392,000 $ 196,000 $ 82,000
Storey, Nevada 2 $ 291,000 $ 145,500 $ 49,000
Marion, Oregon 2 $ 384,000 $ 192,000 $ 38,000
Polk, Oregon 2 $ 247,000 $ 123,500 $ 80,000
Snohomish, Washington 2 $ 330,000 $ 165,000 $ 146,000
Navajo, Arizona 1 $ 329,000 $ 329,000 $ 180,000
Yavapai, Arizona 1 $ 200,000 $ 200,000 $ 174,000
Kings, California 1 $ 162,000 $ 162,000 $ 40,000
Plumas, California 1 $ 200,000 $ 200,000 $ 35,000
Sierra, California 1 $ 295,000 $ 295,000 $ 68,000
Siskiyou, California 1 $ 185,000 $ 185,000 $ 38,000
Sutter, California 1 $ 353,000 $ 353,000 $ 425,000
Mineral, Nevada 1 $ 75,000 $ 75,000 $ 24,000
Nye, Nevada 1 $ 158,000 $ 158,000 $ 137,000
Deschutes, Oregon 1 $ 258,000 $ 258,000 $ 62,000
Lane, Oregon 1 $ 229,000 $ 229,000 $ 213,000
Lincoln, Oregon 1 $ 156,000 $ 156,000 $ 42,000
Linn, Oregon 1 $ 187,000 $ 187,000 $ 84,000
Washington, Oregon 1 $ 298,000 $ 298,000 $ 72,000
Beaver, Utah 1 $ 202,000 $ 202,000 $ 85,000
Iron, Utah 1 $ 106,000 $ 106,000 $ 98,000
Washington, Utah 1 $ 268,000 $ 268,000 $ 58,000
Island, Washington 1 $ 184,000 $ 184,000 $ 63,000
Spokane, Washington 1 $ 129,000 $ 129,000 $ 216,000

Mortgage Loan Application Detail Totals for Csw Financial LLC dba Titan Wh in 2008

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 751 $192,085,000 $255,000 $1,397,000 $93,000 $900,000
Refinancing 465 $133,759,000 $287,000 $2,405,000 $95,000 $797,000
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 491 $140,197,000 $285,000 $2,405,000 $109,000 $900,000
Hispanic 324 $75,351,000 $232,000 $800,000 $69,000 $215,000
Asian 180 $49,349,000 $274,000 $1,397,000 $87,000 $462,000
Not Provided 151 $42,836,000 $283,000 $720,000 $109,000 $816,000
Black or African American 41 $10,575,000 $257,000 $587,000 $83,000 $182,000
Native Hawaiian or Other Pacific Islander 27 $7,103,000 $263,000 $688,000 $90,000 $157,000
American Indian or Alaskan Native 2 $433,000 $216,000 $285,000 $76,000 $77,000
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) 1,103 $300,385,000 $272,000 $2,405,000 $96,000 $900,000
FHA-insured (Federal Housing Administration) 113 $25,459,000 $225,000 $528,000 $75,000 $230,000
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 523 $125,648,000 $240,000 $818,000 $86,000 $816,000
Application Denied By Financial Institution 392 $114,494,000 $292,000 $1,397,000 $98,000 $797,000
Application Approved But Not Accepted 157 $43,452,000 $276,000 $2,405,000 $103,000 $900,000
Application Withdrawn By Applicant 140 $40,277,000 $287,000 $800,000 $98,000 $573,000
File Closed For Incompleteness 4 $1,973,000 $493,000 $730,000 $193,000 $397,000
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
Collateral 98 $28,280,000 $288,000 $702,000 $95,000 $225,000
Debt-To-Income Ratio 79 $23,880,000 $302,000 $1,397,000 $84,000 $462,000
Other 63 $20,373,000 $323,000 $975,000 $117,000 $475,000
Unverifiable Information 45 $13,635,000 $303,000 $1,155,000 $132,000 $797,000
Employment History 17 $3,812,000 $224,000 $389,000 $76,000 $204,000
Credit History 16 $4,270,000 $266,000 $495,000 $78,000 $155,000
Insufficient Cash (Downpayment, Closing Cost) 13 $3,475,000 $267,000 $417,000 $95,000 $184,000
Credit Application Incomplete 2 $839,000 $419,000 $665,000 $69,000 $107,000
Mortgage Insurance Denied 1 $209,000 $209,000 $209,000 $47,000 $47,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Csw Financial LLC dba Titan Wh's 2008 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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