Tri-Emerald Financial Group, Inc. Mortgage Lending & HMDA Data, 2012
In 2012, Tri-Emerald Financial Group, Inc. of Aliso Viejo, CA reported 1,514 mortgage applications totaling $450.9 million, up 87% from 2011. The average application was for $297,799, and applicants reported an average income of $102,842. 47% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (287), Riverside-San Bernardino-Ontario, CA (259) and Santa Ana-Anaheim-Irvine, CA (241) (applications in parentheses).
| Mortgage Company & Address | Tri-Emerald Financial Group, Inc. 85 Enterprise, Suite 100 Aliso Viejo, CA 92656 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2020 2019 2018 2017 2016 2015 2014 2012 2011 2010 2009 |
| Total Number of Mortgage Applications | 1,514 |
| Total Mortgage Loan Application Amount | $450,868,000 |
| Average Mortgage Loan Application Amount | $297,799 |
| Highest Mortgage Loan Application Amount | $1,253,000 |
| Average Applicant Income | $102,842 |
| Highest Applicant Income | $692,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Tri-Emerald Financial Group, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Tri-Emerald Financial Group, Inc. in 2012
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 | 1,235 | $366,615,000 | $296,000 | $1,253,000 | $101,000 | $692,000 |
| Home Purchase | 279 | $84,253,000 | $301,000 | $1,000,000 | $111,000 | $648,000 |
| 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 | 599 | $181,707,000 | $303,000 | $1,253,000 | $104,000 | $692,000 |
| White | 595 | $173,734,000 | $291,000 | $1,010,000 | $103,000 | $648,000 |
| Hispanic | 148 | $40,546,000 | $273,000 | $650,000 | $80,000 | $224,000 |
| Asian | 124 | $42,410,000 | $342,000 | $902,000 | $127,000 | $483,000 |
| Black or African American | 37 | $9,918,000 | $268,000 | $689,000 | $103,000 | $334,000 |
| American Indian or Alaskan Native | 7 | $1,659,000 | $237,000 | $368,000 | $100,000 | $180,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $894,000 | $223,000 | $308,000 | $53,000 | $63,000 |
| 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) | 984 | $286,525,000 | $291,000 | $1,253,000 | $110,000 | $692,000 |
| FHA-insured (Federal Housing Administration) | 457 | $143,411,000 | $313,000 | $737,000 | $89,000 | $648,000 |
| VA-guaranteed (Veterans Administration) | 73 | $20,932,000 | $286,000 | $704,000 | $87,000 | $300,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 710 | $210,578,000 | $296,000 | $1,000,000 | $104,000 | $692,000 |
| Application Withdrawn By Applicant | 382 | $116,223,000 | $304,000 | $1,253,000 | $101,000 | $592,000 |
| File Closed For Incompleteness | 276 | $80,922,000 | $293,000 | $927,000 | $103,000 | $595,000 |
| Application Denied By Financial Institution | 81 | $23,251,000 | $287,000 | $689,000 | $96,000 | $514,000 |
| Preapproval Denied by Financial Institution | 30 | $9,467,000 | $315,000 | $737,000 | $115,000 | $648,000 |
| Preapproval Approved but not Accepted | 28 | $8,052,000 | $287,000 | $500,000 | $106,000 | $300,000 |
| Application Approved But Not Accepted | 7 | $2,375,000 | $339,000 | $489,000 | $96,000 | $223,000 |
| Loan Purchased By The 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 | 43 | $13,071,000 | $303,000 | $689,000 | $113,000 | $514,000 |
| Debt-To-Income Ratio | 15 | $3,765,000 | $251,000 | $517,000 | $67,000 | $133,000 |
| Credit History | 11 | $2,541,000 | $231,000 | $486,000 | $65,000 | $102,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $1,948,000 | $324,000 | $648,000 | $92,000 | $172,000 |
| Other | 5 | $1,744,000 | $348,000 | $419,000 | $79,000 | $130,000 |
| Unverifiable Information | 1 | $214,000 | $214,000 | $214,000 | $136,000 | $136,000 |
| Employment History | 1 | $283,000 | $283,000 | $283,000 | $240,000 | $240,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Tri-Emerald Financial Group, Inc.'s 2012 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 Tri-Emerald Financial Group, 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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