Ubermortgage Inc. Mortgage Lending & HMDA Data, 2018
In 2018, Ubermortgage Inc. of Irvine, CA reported 223 mortgage applications totaling $70.2 million, down 23% from 2017. The average application was for $314,641, and applicants reported an average income of $83,112. 23% of its applications resulted in an originated loan and 26% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (43), Los Angeles-Long Beach-Glendale, CA (23) and Phoenix-Mesa-Scottsdale, AZ (17) (applications in parentheses).
| Mortgage Company & Address | Ubermortgage Inc. 5299 Alton Parkway Suite #210 Irvine, CA 92604 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2018 2017 |
| Total Number of Mortgage Applications | 223 |
| Total Mortgage Loan Application Amount | $70,165,000 |
| Average Mortgage Loan Application Amount | $314,641 |
| Highest Mortgage Loan Application Amount | $2,005,000 |
| Average Applicant Income | $83,112 |
| Highest Applicant Income | $1,200,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Ubermortgage Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Ubermortgage Inc. in 2018
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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 142 | $45,410,000 | $319,000 | $2,005,000 | $73,000 | $350,000 |
| Refinancing | 39 | $12,795,000 | $328,000 | $695,000 | $116,000 | $1,200,000 |
| Home Purchase | 20 | $6,970,000 | $348,000 | $865,000 | $114,000 | $348,000 |
| Home Improvement | 15 | $3,515,000 | $234,000 | $535,000 | $69,000 | $165,000 |
| Other Purpose | 7 | $1,475,000 | $210,000 | $495,000 | $47,000 | $88,000 |
| Not Applicable | 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 | 112 | $36,130,000 | $322,000 | $885,000 | $95,000 | $1,200,000 |
| Not Provided | 55 | $18,005,000 | $327,000 | $2,005,000 | $73,000 | $348,000 |
| Hispanic | 31 | $9,855,000 | $317,000 | $765,000 | $78,000 | $250,000 |
| Asian | 9 | $1,885,000 | $209,000 | $765,000 | $46,000 | $93,000 |
| Black or African American | 9 | $2,315,000 | $257,000 | $465,000 | $68,000 | $160,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $1,200,000 | $300,000 | $505,000 | $80,000 | $148,000 |
| American Indian or Alaskan Native | 2 | $550,000 | $275,000 | $385,000 | $59,000 | $76,000 |
| 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) | 116 | $39,440,000 | $340,000 | $2,005,000 | $95,000 | $1,200,000 |
| VA-guaranteed (Veterans Administration) | 55 | $18,125,000 | $329,000 | $765,000 | $76,000 | $350,000 |
| FHA-insured (Federal Housing Administration) | 51 | $12,425,000 | $243,000 | $565,000 | $63,000 | $168,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $175,000 | $175,000 | $175,000 | $61,000 | $61,000 |
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 | 86 | $25,390,000 | $295,000 | $885,000 | $89,000 | $1,200,000 |
| Application Denied By Financial Institution | 59 | $19,375,000 | $328,000 | $2,005,000 | $61,000 | $200,000 |
| Loan Originated | 51 | $17,295,000 | $339,000 | $865,000 | $101,000 | $285,000 |
| File Closed For Incompleteness | 25 | $7,565,000 | $302,000 | $835,000 | $82,000 | $250,000 |
| Application Approved But Not Accepted | 2 | $540,000 | $270,000 | $305,000 | $86,000 | $102,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 164 | $50,790,000 | $309,000 | $885,000 | $91,000 | $1,200,000 |
| Debt-To-Income Ratio | 27 | $9,885,000 | $366,000 | $2,005,000 | $53,000 | $192,000 |
| Other | 17 | $5,735,000 | $337,000 | $855,000 | $68,000 | $200,000 |
| Credit History | 14 | $3,500,000 | $250,000 | $415,000 | $72,000 | $123,000 |
| Unverifiable Information | 1 | $255,000 | $255,000 | $255,000 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ubermortgage Inc.'s 2018 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 Ubermortgage 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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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