US Mortgage Company Mortgage Lending & HMDA Data, 2005
In 2005, US Mortgage Company of Chatsworth, CA reported 786 mortgage applications totaling $210.7 million. The average application was for $268,049, and applicants reported an average income of $99,776. 68% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (254), Riverside-San Bernardino-Ontario, CA (136) and Santa Ana-Anaheim-Irvine, CA (71) (applications in parentheses).
| Mortgage Company & Address | US Mortgage Company 9211 Oakdale Avenue Chatsworth, CA 91311 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 |
| Total Number of Mortgage Applications | 786 |
| Total Mortgage Loan Application Amount | $210,687,000 |
| Average Mortgage Loan Application Amount | $268,049 |
| Highest Mortgage Loan Application Amount | $1,610,000 |
| Average Applicant Income | $99,776 |
| Highest Applicant Income | $720,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records US Mortgage Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 254 | $ 81,747,000 | $ 321,838 | $ 138,000 |
| Orange, California | 71 | $ 27,852,000 | $ 392,281 | $ 142,000 |
| Riverside, California | 68 | $ 19,339,000 | $ 284,397 | $ 118,000 |
| San Bernardino, California | 68 | $ 15,917,000 | $ 234,073 | $ 79,000 |
| San Diego, California | 26 | $ 8,387,000 | $ 322,576 | $ 123,000 |
| Ventura, California | 26 | $ 10,607,000 | $ 407,961 | $ 143,000 |
| King, Washington | 8 | $ 1,944,000 | $ 243,000 | $ 135,000 |
| Palm Beach, Florida | 7 | $ 1,210,000 | $ 172,857 | $ 78,000 |
| Kern, California | 6 | $ 811,000 | $ 135,166 | $ 75,000 |
| Sacramento, California | 6 | $ 1,339,000 | $ 223,166 | $ 80,000 |
| Horry, South Carolina | 6 | $ 452,000 | $ 75,333 | $ 49,000 |
| Shelby, Tennessee | 6 | $ 497,000 | $ 82,833 | $ 56,000 |
| Maricopa, Arizona | 5 | $ 1,273,000 | $ 254,600 | $ 99,000 |
| Hamilton, Tennessee | 5 | $ 334,000 | $ 66,800 | $ 68,000 |
| Knox, Tennessee | 5 | $ 829,000 | $ 165,800 | $ 83,000 |
| Fresno, California | 4 | $ 1,004,000 | $ 251,000 | $ 82,000 |
| Imperial, California | 4 | $ 726,000 | $ 181,500 | $ 52,000 |
| Solano, California | 4 | $ 962,000 | $ 240,500 | $ 67,000 |
| Clark, Nevada | 4 | $ 883,000 | $ 220,750 | $ 88,000 |
| Tipton, Tennessee | 4 | $ 423,000 | $ 105,750 | $ 147,000 |
| Pierce, Washington | 4 | $ 456,000 | $ 114,000 | $ 53,000 |
| Alameda, California | 3 | $ 683,000 | $ 227,666 | $ 77,000 |
| Placer, California | 3 | $ 1,274,000 | $ 424,666 | $ 74,000 |
| San Luis Obispo, California | 3 | $ 1,131,000 | $ 377,000 | $ 177,000 |
| Santa Barbara, California | 3 | $ 728,000 | $ 242,666 | $ 91,000 |
| Sonoma, California | 3 | $ 780,000 | $ 260,000 | $ 81,000 |
| Tulare, California | 3 | $ 430,000 | $ 143,333 | $ 113,000 |
| Adams, Colorado | 3 | $ 369,000 | $ 123,000 | $ 98,000 |
| Hillsborough, Florida | 3 | $ 385,000 | $ 128,333 | $ 49,000 |
| Johnson, Kansas | 3 | $ 192,000 | $ 64,000 | $ 67,000 |
| Sedgwick, Kansas | 3 | $ 634,000 | $ 211,333 | $ 81,000 |
| Penobscot, Maine | 3 | $ 221,000 | $ 73,666 | $ 79,000 |
| Multnomah, Oregon | 3 | $ 713,000 | $ 237,666 | $ 135,000 |
| Washington, Oregon | 3 | $ 620,000 | $ 206,666 | $ 71,000 |
| Berkeley, South Carolina | 3 | $ 272,000 | $ 90,666 | $ 43,000 |
| Spartanburg, South Carolina | 3 | $ 378,000 | $ 126,000 | $ 45,000 |
| York, South Carolina | 3 | $ 426,000 | $ 142,000 | $ 57,000 |
| Shelby, Alabama | 2 | $ 146,000 | $ 73,000 | $ 50,000 |
| Searcy, Arkansas | 2 | $ 230,000 | $ 115,000 | $ 41,000 |
| Mariposa, California | 2 | $ 431,000 | $ 215,500 | $ 57,000 |
| Park, Colorado | 2 | $ 252,000 | $ 126,000 | $ 83,000 |
| Bay, Florida | 2 | $ 322,000 | $ 161,000 | $ 51,000 |
| Broward, Florida | 2 | $ 512,000 | $ 256,000 | $ 57,000 |
| Collier, Florida | 2 | $ 648,000 | $ 324,000 | $ 79,000 |
| DeSoto, Florida | 2 | $ 109,000 | $ 54,500 | $ 65,000 |
| Duval, Florida | 2 | $ 167,000 | $ 83,500 | $ 79,000 |
| Hardee, Florida | 2 | $ 165,000 | $ 82,500 | $ 79,000 |
| Marion, Florida | 2 | $ 274,000 | $ 137,000 | $ 45,000 |
| Miami-Dade, Florida | 2 | $ 660,000 | $ 330,000 | $ 110,000 |
| Nassau, Florida | 2 | $ 265,000 | $ 132,500 | $ 82,000 |
| Orange, Florida | 2 | $ 203,000 | $ 101,500 | $ 27,000 |
| Osceola, Florida | 2 | $ 210,000 | $ 105,000 | $ 60,000 |
| Pinellas, Florida | 2 | $ 384,000 | $ 192,000 | $ 41,000 |
| Santa Rosa, Florida | 2 | $ 309,000 | $ 154,500 | $ 67,000 |
| Putnam, Indiana | 2 | $ 215,000 | $ 107,500 | $ 82,000 |
| Anoka, Minnesota | 2 | $ 326,000 | $ 163,000 | $ 188,000 |
| Dakota, Minnesota | 2 | $ 563,000 | $ 281,500 | $ 92,000 |
| Jefferson, Oregon | 2 | $ 145,000 | $ 72,500 | $ 108,000 |
| Umatilla, Oregon | 2 | $ 160,000 | $ 80,000 | $ 56,000 |
| Darlington, South Carolina | 2 | $ 286,000 | $ 143,000 | $ 31,000 |
| Georgetown, South Carolina | 2 | $ 100,000 | $ 50,000 | $ 25,000 |
| Greenville, South Carolina | 2 | $ 522,000 | $ 261,000 | $ 104,000 |
| Bradley, Tennessee | 2 | $ 160,000 | $ 80,000 | $ 83,000 |
| Hamblen, Tennessee | 2 | $ 172,000 | $ 86,000 | $ 104,000 |
| Hawkins, Tennessee | 2 | $ 116,000 | $ 58,000 | $ 46,000 |
| Henderson, Tennessee | 2 | $ 161,000 | $ 80,500 | $ 55,000 |
| McNairy, Tennessee | 2 | $ 110,000 | $ 55,000 | $ 40,000 |
| Morgan, Tennessee | 2 | $ 120,000 | $ 60,000 | $ 79,000 |
| Wilson, Tennessee | 2 | $ 223,000 | $ 111,500 | $ 53,000 |
| Snohomish, Washington | 2 | $ 631,000 | $ 315,500 | $ 144,000 |
| Spokane, Washington | 2 | $ 259,000 | $ 129,500 | $ 39,000 |
| Lincoln, Wyoming | 2 | $ 246,000 | $ 123,000 | $ 44,000 |
| Walker, Alabama | 1 | $ 128,000 | $ 128,000 | $ 60,000 |
| Aleutians West, Alaska | 1 | $ 205,000 | $ 205,000 | $ 82,000 |
| Matanuska-Susitna, Alaska | 1 | $ 122,000 | $ 122,000 | $ 96,000 |
| Cochise, Arizona | 1 | $ 338,000 | $ 338,000 | $ 324,000 |
| Butte, California | 1 | $ 100,000 | $ 100,000 | $ 112,000 |
| Merced, California | 1 | $ 242,000 | $ 242,000 | $ 72,000 |
| Mono, California | 1 | $ 568,000 | $ 568,000 | $ 143,000 |
| Napa, California | 1 | $ 343,000 | $ 343,000 | $ 47,000 |
| Nevada, California | 1 | $ 240,000 | $ 240,000 | $ 54,000 |
| San Joaquin, California | 1 | $ 242,000 | $ 242,000 | $ 65,000 |
| Santa Clara, California | 1 | $ 323,000 | $ 323,000 | $ 154,000 |
| Santa Cruz, California | 1 | $ 367,000 | $ 367,000 | $ 60,000 |
| Siskiyou, California | 1 | $ 296,000 | $ 296,000 | $ 73,000 |
| Charlotte, Florida | 1 | $ 216,000 | $ 216,000 | $ 49,000 |
| Escambia, Florida | 1 | $ 203,000 | $ 203,000 | $ 75,000 |
| Flagler, Florida | 1 | $ 128,000 | $ 128,000 | $ 31,000 |
| Lee, Florida | 1 | $ 292,000 | $ 292,000 | $ 115,000 |
| Manatee, Florida | 1 | $ 253,000 | $ 253,000 | $ 59,000 |
| Pasco, Florida | 1 | $ 195,000 | $ 195,000 | $ 76,000 |
| Polk, Florida | 1 | $ 104,000 | $ 104,000 | $ 47,000 |
| Putnam, Florida | 1 | $ 146,000 | $ 146,000 | $ 55,000 |
| Sarasota, Florida | 1 | $ 228,000 | $ 228,000 | $ 75,000 |
| Volusia, Florida | 1 | $ 134,000 | $ 134,000 | $ 57,000 |
| Walker, Georgia | 1 | $ 153,000 | $ 153,000 | $ 53,000 |
| Hawaii, Hawaii | 1 | $ 240,000 | $ 240,000 | $ 71,000 |
| Honolulu, Hawaii | 1 | $ 225,000 | $ 225,000 | $ 38,000 |
| Kauai, Hawaii | 1 | $ 450,000 | $ 450,000 | $ 129,000 |
| Maui, Hawaii | 1 | $ 167,000 | $ 167,000 | $ 72,000 |
| Miami, Indiana | 1 | $ 95,000 | $ 95,000 | $ 25,000 |
| Morgan, Indiana | 1 | $ 118,000 | $ 118,000 | $ 39,000 |
| Douglas, Kansas | 1 | $ 136,000 | $ 136,000 | $ 67,000 |
| Miami, Kansas | 1 | $ 171,000 | $ 171,000 | $ 47,000 |
| Androscoggin, Maine | 1 | $ 183,000 | $ 183,000 | $ 59,000 |
| Cumberland, Maine | 1 | $ 184,000 | $ 184,000 | $ 43,000 |
| Ingham, Michigan | 1 | $ 137,000 | $ 137,000 | $ 196,000 |
| Ottawa, Michigan | 1 | $ 106,000 | $ 106,000 | $ 40,000 |
| Wayne, Michigan | 1 | $ 110,000 | $ 110,000 | $ 49,000 |
| Aitkin, Minnesota | 1 | $ 168,000 | $ 168,000 | $ 49,000 |
| Carver, Minnesota | 1 | $ 46,000 | $ 46,000 | $ 91,000 |
| Grant, Minnesota | 1 | $ 360,000 | $ 360,000 | $ 112,000 |
| Meeker, Minnesota | 1 | $ 213,000 | $ 213,000 | $ 56,000 |
| Otter Tail, Minnesota | 1 | $ 177,000 | $ 177,000 | $ 46,000 |
| Pine, Minnesota | 1 | $ 126,000 | $ 126,000 | $ 45,000 |
| Rice, Minnesota | 1 | $ 230,000 | $ 230,000 | $ 107,000 |
| St. Louis, Minnesota | 1 | $ 180,000 | $ 180,000 | $ 49,000 |
| Todd, Minnesota | 1 | $ 125,000 | $ 125,000 | $ 36,000 |
| Watonwan, Minnesota | 1 | $ 136,000 | $ 136,000 | $ 47,000 |
| Bernalillo, New Mexico | 1 | $ 60,000 | $ 60,000 | $ 24,000 |
| Rio Arriba, New Mexico | 1 | $ 118,000 | $ 118,000 | $ 36,000 |
| Noble, Oklahoma | 1 | $ 135,000 | $ 135,000 | $ 63,000 |
| Okmulgee, Oklahoma | 1 | $ 63,000 | $ 63,000 | $ 0 |
| Clackamas, Oregon | 1 | $ 211,000 | $ 211,000 | $ 84,000 |
| Douglas, Oregon | 1 | $ 131,000 | $ 131,000 | $ 126,000 |
| Jackson, Oregon | 1 | $ 325,000 | $ 325,000 | $ 132,000 |
| Klamath, Oregon | 1 | $ 153,000 | $ 153,000 | $ 42,000 |
| Linn, Oregon | 1 | $ 105,000 | $ 105,000 | $ 45,000 |
| Polk, Oregon | 1 | $ 210,000 | $ 210,000 | $ 33,000 |
| Charleston, South Carolina | 1 | $ 380,000 | $ 380,000 | $ 88,000 |
| Lancaster, South Carolina | 1 | $ 150,000 | $ 150,000 | $ 58,000 |
| Lee, South Carolina | 1 | $ 158,000 | $ 158,000 | $ 60,000 |
| Lexington, South Carolina | 1 | $ 130,000 | $ 130,000 | $ 36,000 |
| Pickens, South Carolina | 1 | $ 105,000 | $ 105,000 | $ 29,000 |
| Saluda, South Carolina | 1 | $ 185,000 | $ 185,000 | $ 72,000 |
| Campbell, Tennessee | 1 | $ 121,000 | $ 121,000 | $ 68,000 |
| Davidson, Tennessee | 1 | $ 115,000 | $ 115,000 | $ 55,000 |
| McMinn, Tennessee | 1 | $ 153,000 | $ 153,000 | $ 66,000 |
| Pickett, Tennessee | 1 | $ 138,000 | $ 138,000 | $ 22,000 |
| Rutherford, Tennessee | 1 | $ 152,000 | $ 152,000 | $ 55,000 |
| Sumner, Tennessee | 1 | $ 293,000 | $ 293,000 | $ 57,000 |
| Washington, Tennessee | 1 | $ 34,000 | $ 34,000 | $ 62,000 |
| Benton, Washington | 1 | $ 162,000 | $ 162,000 | $ 83,000 |
| Clark, Washington | 1 | $ 140,000 | $ 140,000 | $ 118,000 |
| Island, Washington | 1 | $ 410,000 | $ 410,000 | $ 240,000 |
| Kitsap, Washington | 1 | $ 215,000 | $ 215,000 | $ 81,000 |
| Thurston, Washington | 1 | $ 156,000 | $ 156,000 | $ 98,000 |
Mortgage Loan Application Detail Totals for US Mortgage Company in 2005
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 | 724 | $192,680,000 | $160,181 | $1,300,000 | $70,272 | $660,000 |
| Home Purchase | 62 | $18,007,000 | $198,250 | $1,610,000 | $152,500 | $720,000 |
| 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 | 413 | $107,591,000 | $168,526 | $1,300,000 | $83,263 | $660,000 |
| Not Provided | 229 | $67,582,000 | $172,461 | $1,610,000 | $90,307 | $720,000 |
| Hispanic | 86 | $21,870,000 | $129,666 | $735,000 | $54,000 | $300,000 |
| Black or African American | 37 | $7,475,000 | $148,714 | $950,000 | $64,857 | $312,000 |
| Asian | 12 | $4,026,000 | $336,250 | $800,000 | $109,750 | $293,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $1,238,000 | $213,500 | $348,000 | $84,500 | $150,000 |
| American Indian or Alaskan Native | 3 | $905,000 | $301,000 | $338,000 | $72,000 | $106,000 |
| 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) | 785 | $210,637,000 | $157,869 | $1,610,000 | $77,521 | $720,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $50,000 | $50,000 | $50,000 | $66,000 | $66,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 536 | $158,466,000 | $175,538 | $1,610,000 | $82,538 | $679,000 |
| Application Approved But Not Accepted | 180 | $34,814,000 | $150,571 | $800,000 | $71,285 | $612,000 |
| Application Withdrawn By Applicant | 36 | $8,556,000 | $125,666 | $650,000 | $74,555 | $210,000 |
| Application Denied By Financial Institution | 31 | $8,231,000 | $154,200 | $793,000 | $70,200 | $720,000 |
| File Closed For Incompleteness | 3 | $620,000 | $215,000 | $350,000 | $138,500 | $186,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 8 | $1,937,000 | $170,200 | $518,000 | $65,000 | $208,000 |
| Other | 8 | $2,365,000 | $295,000 | $570,000 | $83,000 | $120,000 |
| Collateral | 7 | $1,775,000 | $191,500 | $747,000 | $152,500 | $720,000 |
| Debt-To-Income Ratio | 3 | $145,000 | $47,500 | $80,000 | $38,000 | $51,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $318,000 | $318,000 | $318,000 | $133,000 | $133,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into US Mortgage Company's 2005 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 US Mortgage Company'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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