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records Csw Financial LLC dba Titan Wh filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 480 | $ 161,599,000 | $ 336,664 | $ 107,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 302 | $ 59,171,000 | $ 195,930 | $ 68,000 |
| Oakland-Fremont-Hayward, CA | 266 | $ 78,596,000 | $ 295,473 | $ 96,000 |
| Las Vegas-Paradise, NV | 146 | $ 26,785,000 | $ 183,458 | $ 44,000 |
| San Francisco-San Mateo-Redwood City, CA | 128 | $ 54,366,000 | $ 424,734 | $ 119,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 118 | $ 44,171,000 | $ 374,330 | $ 125,000 |
| Riverside-San Bernardino-Ontario, CA | 103 | $ 20,844,000 | $ 202,368 | $ 76,000 |
| Santa Ana-Anaheim-Irvine, CA | 96 | $ 34,645,000 | $ 360,885 | $ 140,000 |
| San Diego-Carlsbad-San Marcos, CA | 91 | $ 28,238,000 | $ 310,307 | $ 97,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 77 | $ 25,681,000 | $ 333,519 | $ 113,000 |
| Phoenix-Mesa-Scottsdale, AZ | 57 | $ 9,533,000 | $ 167,245 | $ 73,000 |
| Stockton, CA | 54 | $ 8,881,000 | $ 164,462 | $ 64,000 |
| Reno-Sparks, NV | 50 | $ 10,356,000 | $ 207,120 | $ 67,000 |
| Vallejo-Fairfield, CA | 47 | $ 10,761,000 | $ 228,957 | $ 74,000 |
| Modesto, CA | 42 | $ 6,628,000 | $ 157,809 | $ 54,000 |
| Salt Lake City, UT | 41 | $ 11,112,000 | $ 271,024 | $ 59,000 |
| Bakersfield, CA | 22 | $ 3,154,000 | $ 143,363 | $ 100,000 |
| Ogden-Clearfield, UT | 15 | $ 3,561,000 | $ 237,400 | $ 41,000 |
| Fresno, CA | 14 | $ 2,282,000 | $ 163,000 | $ 54,000 |
| Provo-Orem, UT | 14 | $ 2,458,000 | $ 175,571 | $ 17,000 |
| Portland-Vancouver-Beaverton, OR-WA | 13 | $ 3,154,000 | $ 242,615 | $ 78,615 |
| Visalia-Porterville, CA | 11 | $ 1,528,000 | $ 138,909 | $ 93,000 |
| Napa, CA | 10 | $ 4,112,000 | $ 411,200 | $ 108,000 |
| Salinas, CA | 9 | $ 2,509,000 | $ 278,777 | $ 231,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 9 | $ 3,175,000 | $ 352,777 | $ 71,000 |
| Santa Cruz-Watsonville, CA | 8 | $ 3,374,000 | $ 421,750 | $ 97,000 |
| Merced, CA | 7 | $ 912,000 | $ 130,285 | $ 61,000 |
| Santa Rosa-Petaluma, CA | 7 | $ 1,442,000 | $ 206,000 | $ 55,000 |
| El Centro, CA | 6 | $ 583,000 | $ 97,166 | $ 68,000 |
| Lake Havasu City-Kingman, AZ | 5 | $ 827,000 | $ 165,400 | $ 61,000 |
| Seattle-Bellevue-Everett, WA | 5 | $ 1,546,000 | $ 309,200 | $ 52,000 |
| Prescott, AZ | 4 | $ 538,000 | $ 134,500 | $ 53,000 |
| Redding, CA | 4 | $ 1,306,000 | $ 326,500 | $ 144,000 |
| San Luis Obispo-Paso Robles, CA | 4 | $ 1,593,000 | $ 398,250 | $ 106,000 |
| Tacoma, WA | 4 | $ 867,000 | $ 216,750 | $ 59,000 |
| Tucson, AZ | 4 | $ 1,220,000 | $ 305,000 | $ 90,000 |
| Yuba City, CA | 4 | $ 773,000 | $ 193,250 | $ 80,000 |
| Carson City, NV | 3 | $ 550,000 | $ 183,333 | $ 48,000 |
| Madera-Chowchilla, CA | 3 | $ 560,000 | $ 186,666 | $ 60,000 |
| Chico, CA | 2 | $ 348,000 | $ 174,000 | $ 59,000 |
| Flagstaff, AZ | 2 | $ 580,000 | $ 290,000 | $ 101,000 |
| Logan, UT-ID | 2 | $ 450,000 | $ 225,000 | $ 43,000 |
| Spokane, WA | 2 | $ 314,000 | $ 157,000 | $ 51,000 |
| St. George, UT | 2 | $ 304,000 | $ 152,000 | $ 112,000 |
| Bend, OR | 1 | $ 238,000 | $ 238,000 | $ 230,000 |
| Eugene-Springfield, OR | 1 | $ 310,000 | $ 310,000 | $ 0 |
| Medford, OR | 1 | $ 193,000 | $ 193,000 | $ 44,000 |
| Yuma, AZ | 1 | $ 107,000 | $ 107,000 | $ 46,000 |
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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with aggregated HMDA statistics today.
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