Winnpointe Corporation Mortgage Lending & HMDA Data, 2021
In 2021, Winnpointe Corporation of Orange, CA reported 11,424 mortgage applications totaling $4.9 billion, down 42% from 2020. The average application was for $429,153, and applicants reported an average income of $153,970. 71% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (2,304), Anaheim-Santa Ana-Irvine, CA (1,526) and Oakland-Hayward-Berkeley, CA (1,332) (applications in parentheses).
| Mortgage Company & Address | Winnpointe Corporation 1 City Blvd W Suite 1650 Orange, CA 92868 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2021 2020 2019 2018 |
| Total Number of Mortgage Applications | 11,424 |
| Total Mortgage Loan Application Amount | $4,902,650,000 |
| Average Mortgage Loan Application Amount | $429,153 |
| Highest Mortgage Loan Application Amount | $3,005,000 |
| Average Applicant Income | $153,970 |
| Highest Applicant Income | $6,046,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Winnpointe Corporation filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Winnpointe Corporation in 2021
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 | 11,366 | $4,874,620,000 | $428,000 | $3,005,000 | $154,000 | $6,046,000 |
| Home Purchase | 57 | $27,645,000 | $485,000 | $875,000 | $148,000 | $385,000 |
| Cash-out Refinancing | 1 | $385,000 | $385,000 | $385,000 | $159,000 | $159,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 4,597 | $1,944,235,000 | $422,000 | $945,000 | $153,000 | $6,046,000 |
| White | 2,960 | $1,188,510,000 | $401,000 | $3,005,000 | $144,000 | $2,688,000 |
| Asian | 2,699 | $1,296,025,000 | $480,000 | $875,000 | $175,000 | $2,400,000 |
| Hispanic | 726 | $273,800,000 | $377,000 | $825,000 | $121,000 | $555,000 |
| Black or African American | 148 | $57,100,000 | $385,000 | $785,000 | $126,000 | $329,000 |
| Native Hawaiian or Other Pacific Islander | 36 | $16,350,000 | $454,000 | $815,000 | $153,000 | $500,000 |
| American Indian or Alaskan Native | 19 | $7,425,000 | $390,000 | $645,000 | $131,000 | $329,000 |
| Not applicable | 2 | $720,000 | $360,000 | $435,000 | $51,000 | $51,000 |
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) | 11,378 | $4,890,980,000 | $429,000 | $3,005,000 | $154,000 | $6,046,000 |
| FHA-insured (Federal Housing Administration) | 44 | $10,990,000 | $249,000 | $545,000 | $69,000 | $152,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $680,000 | $340,000 | $375,000 | $186,000 | $191,000 |
| 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 | 8,087 | $3,450,655,000 | $426,000 | $945,000 | $157,000 | $2,688,000 |
| Application Withdrawn By Applicant | 2,442 | $1,074,700,000 | $440,000 | $3,005,000 | $147,000 | $2,484,000 |
| Application Denied By Financial Institution | 421 | $176,205,000 | $418,000 | $825,000 | $123,000 | $841,000 |
| File Closed For Incompleteness | 302 | $121,630,000 | $402,000 | $825,000 | $166,000 | $6,046,000 |
| Application Approved But Not Accepted | 171 | $78,825,000 | $460,000 | $825,000 | $151,000 | $541,000 |
| Preapproval Approved but not Accepted | 1 | $635,000 | $635,000 | $635,000 | $385,000 | $385,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 11,003 | $4,726,445,000 | $429,000 | $3,005,000 | $155,000 | $6,046,000 |
| Other | 183 | $75,635,000 | $413,000 | $825,000 | $124,000 | $702,000 |
| Debt-To-Income Ratio | 116 | $50,020,000 | $431,000 | $825,000 | $97,000 | $717,000 |
| Credit History | 34 | $13,230,000 | $389,000 | $665,000 | $154,000 | $555,000 |
| Unverifiable Information | 29 | $11,785,000 | $406,000 | $665,000 | $159,000 | $430,000 |
| Credit Application Incomplete | 27 | $11,015,000 | $407,000 | $755,000 | $111,000 | $210,000 |
| Collateral | 17 | $8,035,000 | $472,000 | $725,000 | $163,000 | $350,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $4,095,000 | $455,000 | $825,000 | $185,000 | $841,000 |
| Employment History | 6 | $2,390,000 | $398,000 | $655,000 | $113,000 | $195,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Winnpointe Corporation's 2021 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 Winnpointe Corporation'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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