Vision One Mortgage Mortgage Lending & HMDA Data, 2009
In 2009, Vision One Mortgage of Irvine, CA reported 260 mortgage applications totaling $73.7 million. The average application was for $283,323, and applicants reported an average income of $76,792. 67% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (76), Santa Ana-Anaheim-Irvine, CA (68) and Los Angeles-Long Beach-Glendale, CA (49) (applications in parentheses).
| Mortgage Company & Address | Vision One Mortgage 19732 Macarthur Blvd, Suite 125 Irvine, CA 92612 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2009 |
| Total Number of Mortgage Applications | 260 |
| Total Mortgage Loan Application Amount | $73,664,000 |
| Average Mortgage Loan Application Amount | $283,323 |
| Highest Mortgage Loan Application Amount | $1,157,000 |
| Average Applicant Income | $76,792 |
| Highest Applicant Income | $488,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Vision One Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Vision One Mortgage 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 163 | $42,210,000 | $258,000 | $729,000 | $85,000 | $488,000 |
| Refinancing | 97 | $31,454,000 | $324,000 | $1,157,000 | $63,000 | $358,000 |
| 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 |
|---|---|---|---|---|---|---|
| Hispanic | 117 | $28,203,000 | $241,000 | $722,000 | $53,000 | $226,000 |
| White | 112 | $34,391,000 | $307,000 | $1,157,000 | $102,000 | $488,000 |
| Not Provided | 15 | $5,713,000 | $380,000 | $1,034,000 | $75,000 | $208,000 |
| Black or African American | 8 | $2,738,000 | $342,000 | $741,000 | $44,000 | $113,000 |
| Asian | 7 | $2,294,000 | $327,000 | $570,000 | $97,000 | $162,000 |
| American Indian or Alaskan Native | 1 | $325,000 | $325,000 | $325,000 | $119,000 | $119,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 188 | $49,896,000 | $265,000 | $729,000 | $62,000 | $251,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 71 | $23,310,000 | $328,000 | $1,157,000 | $115,000 | $488,000 |
| VA-guaranteed (Veterans Administration) | 1 | $458,000 | $458,000 | $458,000 | $0 | $0 |
| 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 | 175 | $49,095,000 | $280,000 | $741,000 | $77,000 | $488,000 |
| Application Withdrawn By Applicant | 69 | $20,416,000 | $295,000 | $1,157,000 | $77,000 | $330,000 |
| Application Denied By Financial Institution | 16 | $4,153,000 | $259,000 | $729,000 | $73,000 | $219,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 6 | $1,923,000 | $320,000 | $588,000 | $65,000 | $108,000 |
| Unverifiable Information | 3 | $573,000 | $191,000 | $285,000 | $80,000 | $96,000 |
| Employment History | 2 | $863,000 | $431,000 | $729,000 | $122,000 | $219,000 |
| Collateral | 2 | $214,000 | $107,000 | $155,000 | $32,000 | $42,000 |
| Credit History | 2 | $442,000 | $221,000 | $295,000 | $95,000 | $114,000 |
| Other | 1 | $138,000 | $138,000 | $138,000 | $43,000 | $43,000 |
| Credit Application Incomplete | 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 Vision One Mortgage'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 Vision One Mortgage'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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