AllMortgageDetail - Mortgage Application Details

California
Mortgage Loan Application
Totals and Details
in 2014

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Years 2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 1,416,054
Total Mortgage Loan Application Amount $528,556,251,000
Average Mortgage Loan Application Amount $373,000
Highest Mortgage Loan Application Amount $99,999,000
Average Applicant Income $119,000
Highest Applicant Income $9,999,000

Mortgage Loan Application Detail Totals for California in 2014

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 792,222 $288,857,624,000 $364,000 $99,999,000 $116,000 $9,999,000
Home Purchase 552,016 $222,099,754,000 $402,000 $99,999,000 $125,000 $9,999,000
Home Improvement 71,816 $17,598,873,000 $245,000 $99,161,000 $111,000 $9,999,000

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 621,744 $238,326,253,000 $383,000 $81,270,000 $145,000 $9,999,000
Hispanic 242,421 $60,588,824,000 $249,000 $6,200,000 $81,000 $9,999,000
Asian 179,546 $74,653,550,000 $415,000 $14,735,000 $144,000 $9,999,000
Not Provided 169,821 $64,677,821,000 $380,000 $75,000,000 $142,000 $9,999,000
Not applicable 141,834 $72,724,951,000 $512,000 $99,999,000 $25,000 $9,999,000
Black or African American 43,671 $12,402,100,000 $283,000 $25,513,000 $94,000 $9,999,000
Native Hawaiin or Other Pacific Islander 11,061 $3,509,325,000 $317,000 $5,000,000 $107,000 $3,411,000
American Indian or Alaskan Native 5,956 $1,673,427,000 $280,000 $4,738,000 $112,000 $6,156,000

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) 1,132,641 $443,642,555,000 $391,000 $99,999,000 $133,000 $9,999,000
FHA-insured (Federal Housing Administration) 178,971 $49,367,876,000 $275,000 $58,084,000 $64,000 $7,327,000
VA-guaranteed (Veterans Administration) 96,431 $34,007,004,000 $352,000 $7,231,000 $70,000 $3,127,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 8,011 $1,538,816,000 $192,000 $2,000,000 $42,000 $1,250,000

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
Loan Originated 743,601 $297,146,367,000 $399,000 $99,999,000 $136,000 $9,999,000
Application Denied By Financial Institution 221,025 $75,753,273,000 $342,000 $99,999,000 $112,000 $9,999,000
Loan Purchased By The Institution 188,453 $60,203,335,000 $319,000 $32,500,000 $49,000 $9,999,000
Application Withdrawn By Applicant 155,847 $58,423,324,000 $374,000 $99,999,000 $129,000 $9,999,000
File Closed For Incompleteness 56,110 $19,458,481,000 $346,000 $22,750,000 $120,000 $9,999,000
Application Approved But Not Accepted 50,785 $17,498,942,000 $344,000 $65,000,000 $128,000 $9,999,000
Preapproval Denied by Financial Institution 189 $57,243,000 $302,000 $1,332,000 $96,000 $684,000
Preapproval Approved but not Accepted 44 $15,286,000 $347,000 $626,000 $121,000 $568,000

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 49,327 $19,305,646,000 $391,000 $15,700,000 $94,000 $9,972,000
Credit History 35,316 $9,258,485,000 $262,000 $9,000,000 $111,000 $9,999,000
Collateral 24,428 $9,214,102,000 $377,000 $64,600,000 $150,000 $9,999,000
Credit Application Incomplete 18,856 $6,980,854,000 $370,000 $13,434,000 $140,000 $9,999,000
Other 17,614 $5,765,101,000 $327,000 $99,999,000 $128,000 $6,636,000
Unverifiable Information 6,788 $2,561,099,000 $377,000 $10,000,000 $144,000 $9,764,000
Insufficient Cash (Downpayment, Closing Cost) 4,617 $2,091,566,000 $453,000 $45,920,000 $147,000 $6,156,000
Employment History 1,944 $677,666,000 $348,000 $2,500,000 $96,000 $1,635,000
Mortgage Insurance Denied 123 $36,048,000 $293,000 $1,234,000 $97,000 $774,000

Mortgage Loan Application Totals in 2014 by California Metropolitan Area

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
ANAHEIM-SANTA ANA-IRVINE, CA 116,336 $ 54,435,898,000 $ 467,000 $ 148,000
BAKERSFIELD, CA 28,464 $ 5,156,147,000 $ 181,000 $ 75,000
CHICO, CA 7,080 $ 1,418,910,000 $ 200,000 $ 78,000
EL CENTRO, CA 4,328 $ 705,281,000 $ 162,000 $ 69,000
FRESNO, CA 27,092 $ 5,498,891,000 $ 202,000 $ 81,000
HANFORD-CORCORAN, CA 3,936 $ 676,651,000 $ 171,000 $ 66,000
LOS ANGELES-LONG BEACH-GLENDALE, CA 297,132 $ 130,542,387,000 $ 439,000 $ 132,000
MADERA, CA 4,397 $ 792,206,000 $ 180,000 $ 73,000
MERCED, CA 7,938 $ 1,360,900,000 $ 171,000 $ 68,000
MODESTO, CA 19,754 $ 3,850,093,000 $ 194,000 $ 73,000
NAPA, CA 5,670 $ 2,365,877,000 $ 417,000 $ 160,000
OAKLAND-HAYWARD-BERKELEY, CA 120,263 $ 51,000,061,000 $ 424,000 $ 129,000
OXNARD-THOUSAND OAKS-VENTURA, CA 33,406 $ 12,694,831,000 $ 380,000 $ 125,000
REDDING, CA 6,561 $ 1,261,318,000 $ 192,000 $ 75,000
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA 193,067 $ 47,431,853,000 $ 245,000 $ 86,000
SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA 106,858 $ 28,995,393,000 $ 271,000 $ 98,000
SALINAS, CA 11,145 $ 4,331,096,000 $ 388,000 $ 126,000
SAN DIEGO-CARLSBAD, CA 129,426 $ 51,197,719,000 $ 395,000 $ 122,000
SAN FRANCISCO-REDWOOD CITY-SOUTH SAN FRANCISCO, CA 49,399 $ 32,673,181,000 $ 661,000 $ 193,000
SAN JOSE-SUNNYVALE-SANTA CLARA, CA 71,659 $ 38,938,766,000 $ 543,000 $ 157,000
SAN LUIS OBISPO-PASO ROBLES-ARROYO GRANDE, CA 11,764 $ 4,105,870,000 $ 349,000 $ 121,000
SAN RAFAEL, CA 11,258 $ 7,345,224,000 $ 652,000 $ 212,000
SANTA CRUZ-WATSONVILLE, CA 9,446 $ 3,931,332,000 $ 416,000 $ 138,000
SANTA MARIA-SANTA BARBARA, CA 13,150 $ 5,953,762,000 $ 452,000 $ 145,000
SANTA ROSA, CA 19,933 $ 7,319,507,000 $ 367,000 $ 125,000
STOCKTON-LODI, CA 27,850 $ 6,387,008,000 $ 229,000 $ 83,000
VALLEJO-FAIRFIELD, CA 20,857 $ 5,636,310,000 $ 270,000 $ 88,000
VISALIA-PORTERVILLE, CA 12,898 $ 2,207,376,000 $ 171,000 $ 70,000
YUBA CITY, CA 6,536 $ 1,238,397,000 $ 189,000 $ 69,000

Mortgage Loan Application Totals in 2014 by California County

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
Alameda 64,870 $ 28,687,062,000 $ 442,000 $ 131,000
Alpine 58 $ 14,614,000 $ 251,000 $ 208,000
Amador 1,526 $ 307,911,000 $ 201,000 $ 83,000
Butte 7,084 $ 1,419,324,000 $ 200,000 $ 78,000
Calaveras 2,605 $ 533,456,000 $ 204,000 $ 94,000
Colusa 648 $ 112,256,000 $ 173,000 $ 73,000
Contra Costa 55,475 $ 22,352,091,000 $ 402,000 $ 127,000
Del Norte 555 $ 98,159,000 $ 176,000 $ 74,000
El Dorado 11,079 $ 3,413,119,000 $ 308,000 $ 121,000
Fresno 27,114 $ 5,534,833,000 $ 204,000 $ 81,000
Glenn 684 $ 105,722,000 $ 154,000 $ 69,000
Humboldt 2,957 $ 636,443,000 $ 215,000 $ 82,000
Imperial 4,333 $ 705,424,000 $ 162,000 $ 69,000
Inyo 393 $ 87,322,000 $ 222,000 $ 83,000
Kern 28,541 $ 5,173,639,000 $ 181,000 $ 75,000
Kings 3,950 $ 680,110,000 $ 172,000 $ 66,000
Lake 2,177 $ 366,981,000 $ 168,000 $ 75,000
Lassen 784 $ 117,723,000 $ 150,000 $ 61,000
Los Angeles 297,337 $ 130,678,038,000 $ 439,000 $ 132,000
Madera 4,410 $ 794,421,000 $ 180,000 $ 73,000
Marin 11,266 $ 7,372,075,000 $ 654,000 $ 212,000
Mariposa 668 $ 128,653,000 $ 192,000 $ 82,000
Mendocino 1,877 $ 485,545,000 $ 258,000 $ 98,000
Merced 7,950 $ 1,362,530,000 $ 171,000 $ 68,000
Modoc 208 $ 28,621,000 $ 137,000 $ 71,000
Mono 784 $ 247,633,000 $ 315,000 $ 235,000
Monterey 11,152 $ 4,333,219,000 $ 388,000 $ 126,000
Napa 5,674 $ 2,366,173,000 $ 417,000 $ 160,000
Nevada 5,102 $ 1,457,129,000 $ 285,000 $ 119,000
Orange 116,468 $ 54,478,866,000 $ 467,000 $ 148,000
Placer 22,914 $ 7,511,764,000 $ 327,000 $ 121,000
Plumas 883 $ 183,713,000 $ 208,000 $ 135,000
Riverside 109,865 $ 28,107,725,000 $ 255,000 $ 90,000
Sacramento 65,995 $ 15,931,486,000 $ 241,000 $ 85,000
San Benito 2,539 $ 856,048,000 $ 337,000 $ 96,000
San Bernardino 83,457 $ 19,382,220,000 $ 232,000 $ 80,000
San Diego 129,552 $ 51,246,692,000 $ 395,000 $ 122,000
San Francisco 22,599 $ 15,666,828,000 $ 693,000 $ 201,000
San Joaquin 27,872 $ 6,390,551,000 $ 229,000 $ 83,000
San Luis Obispo 11,775 $ 4,108,852,000 $ 348,000 $ 121,000
San Mateo 26,810 $ 17,011,833,000 $ 634,000 $ 187,000
Santa Barbara 13,154 $ 5,960,542,000 $ 453,000 $ 145,000
Santa Clara 69,209 $ 38,124,619,000 $ 550,000 $ 160,000
Santa Cruz 9,450 $ 3,932,419,000 $ 416,000 $ 138,000
Shasta 6,570 $ 1,264,140,000 $ 192,000 $ 75,000
Sierra 112 $ 20,050,000 $ 179,000 $ 93,000
Siskiyou 1,213 $ 192,381,000 $ 158,000 $ 72,000
Solano 20,865 $ 5,638,021,000 $ 270,000 $ 88,000
Sonoma 19,939 $ 7,329,123,000 $ 367,000 $ 125,000
Stanislaus 19,770 $ 3,852,640,000 $ 194,000 $ 73,000
Sutter 3,415 $ 655,015,000 $ 191,000 $ 76,000
Tehama 1,959 $ 321,798,000 $ 164,000 $ 73,000
Trinity 323 $ 52,808,000 $ 163,000 $ 73,000
Tulare 12,905 $ 2,208,327,000 $ 171,000 $ 70,000
Tuolumne 2,330 $ 468,502,000 $ 201,000 $ 93,000
Ventura 33,436 $ 12,703,175,000 $ 379,000 $ 125,000
Yolo 6,959 $ 2,163,107,000 $ 310,000 $ 101,000
Yuba 3,125 $ 583,912,000 $ 186,000 $ 61,000