California
Mortgage Loan Application
Totals and Details
in 2016

Years 2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 2,235,971
Total Mortgage Loan Application Amount $901,883,313,000
Average Mortgage Loan Application Amount $403,000
Highest Mortgage Loan Application Amount $99,999,000
Average Applicant Income $122,000
Highest Applicant Income $9,999,000
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Mortgage Loan Application Detail Totals for California in 2016

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 1,462,179 $570,358,839,000 $390,000 $99,999,000 $118,000 $9,999,000
Home Purchase 661,478 $294,582,764,000 $445,000 $99,999,000 $129,000 $9,999,000
Home Improvement 112,314 $36,941,710,000 $328,000 $99,999,000 $127,000 $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 963,045 $397,645,970,000 $412,000 $99,999,000 $145,000 $9,999,000
Hispanic 395,868 $112,261,225,000 $283,000 $99,999,000 $82,000 $9,999,000
Asian 286,601 $129,193,920,000 $450,000 $99,999,000 $150,000 $9,999,000
Not Provided 286,520 $116,970,156,000 $408,000 $99,999,000 $143,000 $9,999,000
Not applicable 198,336 $111,371,975,000 $561,000 $99,999,000 $29,000 $9,318,000
Black or African American 77,098 $24,744,453,000 $320,000 $99,999,000 $91,000 $9,999,000
Native Hawaiin or Other Pacific Islander 18,527 $6,627,957,000 $357,000 $99,999,000 $106,000 $7,070,000
American Indian or Alaskan Native 9,976 $3,067,657,000 $307,000 $4,125,000 $105,000 $9,999,000

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) 1,722,630 $731,617,429,000 $424,000 $99,999,000 $141,000 $9,999,000
FHA-insured (Federal Housing Administration) 326,082 $100,391,819,000 $307,000 $99,999,000 $56,000 $7,645,000
VA-guaranteed (Veterans Administration) 182,067 $68,829,955,000 $378,000 $99,999,000 $58,000 $6,575,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 5,192 $1,044,110,000 $201,000 $25,470,000 $41,000 $487,000

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 1,172,541 $500,830,334,000 $427,000 $99,999,000 $137,000 $9,999,000
Application Denied By Financial Institution 341,295 $128,016,310,000 $375,000 $99,999,000 $114,000 $9,999,000
Loan Purchased By The Institution 285,005 $103,989,942,000 $364,000 $99,999,000 $65,000 $9,318,000
Application Withdrawn By Applicant 277,365 $110,163,861,000 $397,000 $99,999,000 $129,000 $9,999,000
File Closed For Incompleteness 100,854 $35,948,336,000 $356,000 $99,999,000 $113,000 $9,999,000
Application Approved But Not Accepted 58,732 $22,874,782,000 $389,000 $55,590,000 $127,000 $9,999,000
Preapproval Approved but not Accepted 130 $42,007,000 $323,000 $631,000 $92,000 $223,000
Preapproval Denied by Financial Institution 49 $17,741,000 $362,000 $1,128,000 $84,000 $205,000

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 59,534 $26,372,104,000 $442,000 $49,220,000 $98,000 $8,906,000
Credit History 37,423 $11,155,620,000 $298,000 $16,500,000 $116,000 $9,999,000
Credit Application Incomplete 32,792 $11,949,251,000 $364,000 $15,000,000 $124,000 $9,999,000
Collateral 25,924 $10,777,094,000 $415,000 $99,999,000 $155,000 $9,999,000
Other 21,548 $8,553,823,000 $396,000 $99,999,000 $131,000 $9,999,000
Unverifiable Information 11,166 $4,679,119,000 $419,000 $18,000,000 $144,000 $7,900,000
Insufficient Cash (Downpayment, Closing Cost) 5,746 $2,934,340,000 $510,000 $65,950,000 $154,000 $5,170,000
Employment History 2,273 $837,079,000 $368,000 $2,530,000 $101,000 $3,935,000
Mortgage Insurance Denied 111 $36,527,000 $329,000 $1,300,000 $107,000 $1,746,000
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Mortgage Loan Application Totals in 2016 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 186,774 $ 93,254,421,000 $ 499,000 $ 152,000
BAKERSFIELD, CA 42,984 $ 8,464,193,000 $ 196,000 $ 69,000
CHICO, CA 11,461 $ 2,509,176,000 $ 218,000 $ 82,000
EL CENTRO, CA 6,754 $ 1,185,342,000 $ 175,000 $ 66,000
FRESNO, CA 42,468 $ 9,402,554,000 $ 221,000 $ 77,000
HANFORD-CORCORAN, CA 6,466 $ 1,323,425,000 $ 204,000 $ 64,000
LOS ANGELES-LONG BEACH-GLENDALE, CA 458,420 $ 215,978,477,000 $ 471,000 $ 136,000
MADERA, CA 7,237 $ 1,423,261,000 $ 196,000 $ 69,000
MERCED, CA 12,594 $ 2,426,946,000 $ 192,000 $ 66,000
MODESTO, CA 31,859 $ 6,914,628,000 $ 217,000 $ 76,000
NAPA, CA 9,052 $ 4,254,213,000 $ 469,000 $ 159,000
OAKLAND-HAYWARD-BERKELEY, CA 191,207 $ 89,494,320,000 $ 468,000 $ 138,000
OXNARD-THOUSAND OAKS-VENTURA, CA 55,667 $ 23,774,959,000 $ 427,000 $ 126,000
REDDING, CA 11,198 $ 2,367,797,000 $ 211,000 $ 72,000
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA 309,646 $ 83,846,184,000 $ 270,000 $ 83,000
SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA 174,214 $ 51,728,697,000 $ 296,000 $ 99,000
SALINAS, CA 18,441 $ 7,531,878,000 $ 408,000 $ 128,000
SAN DIEGO-CARLSBAD, CA 211,101 $ 89,035,611,000 $ 421,000 $ 119,000
SAN FRANCISCO-REDWOOD CITY-SOUTH SAN FRANCISCO, CA 72,551 $ 51,509,849,000 $ 709,000 $ 209,000
SAN JOSE-SUNNYVALE-SANTA CLARA, CA 114,415 $ 65,733,689,000 $ 574,000 $ 169,000
SAN LUIS OBISPO-PASO ROBLES-ARROYO GRANDE, CA 18,961 $ 7,440,875,000 $ 392,000 $ 123,000
SAN RAFAEL, CA 17,580 $ 11,941,834,000 $ 679,000 $ 221,000
SANTA CRUZ-WATSONVILLE, CA 15,014 $ 6,931,804,000 $ 461,000 $ 144,000
SANTA MARIA-SANTA BARBARA, CA 20,872 $ 10,118,807,000 $ 484,000 $ 149,000
SANTA ROSA, CA 30,970 $ 12,647,424,000 $ 408,000 $ 127,000
STOCKTON-LODI, CA 46,622 $ 12,050,347,000 $ 258,000 $ 84,000
VALLEJO-FAIRFIELD, CA 34,903 $ 10,775,561,000 $ 308,000 $ 89,000
VISALIA-PORTERVILLE, CA 19,913 $ 3,741,880,000 $ 187,000 $ 65,000
YUBA CITY, CA 10,333 $ 2,188,572,000 $ 211,000 $ 68,000
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Mortgage Loan Application Totals in 2016 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 100,494 $ 49,205,989,000 $ 489,000 $ 143,000
Alpine 112 $ 32,224,000 $ 287,000 $ 213,000
Amador 2,751 $ 627,809,000 $ 228,000 $ 81,000
Butte 11,469 $ 2,510,047,000 $ 218,000 $ 82,000
Calaveras 4,274 $ 1,004,643,000 $ 235,000 $ 94,000
Colusa 933 $ 197,062,000 $ 211,000 $ 70,000
Contra Costa 90,759 $ 40,297,429,000 $ 444,000 $ 133,000
Del Norte 900 $ 186,479,000 $ 207,000 $ 80,000
El Dorado 17,734 $ 5,988,687,000 $ 337,000 $ 119,000
Fresno 42,482 $ 9,405,556,000 $ 221,000 $ 77,000
Glenn 1,053 $ 180,765,000 $ 171,000 $ 64,000
Humboldt 4,343 $ 1,010,693,000 $ 232,000 $ 79,000
Imperial 6,755 $ 1,185,386,000 $ 175,000 $ 66,000
Inyo 533 $ 130,342,000 $ 244,000 $ 93,000
Kern 43,106 $ 8,485,269,000 $ 196,000 $ 69,000
Kings 6,472 $ 1,324,064,000 $ 204,000 $ 64,000
Lake 3,409 $ 683,028,000 $ 200,000 $ 76,000
Lassen 1,270 $ 212,613,000 $ 167,000 $ 69,000
Los Angeles 458,526 $ 215,996,284,000 $ 471,000 $ 136,000
Madera 7,240 $ 1,423,747,000 $ 196,000 $ 69,000
Marin 17,588 $ 11,944,214,000 $ 679,000 $ 221,000
Mariposa 1,092 $ 228,959,000 $ 209,000 $ 82,000
Mendocino 2,969 $ 870,205,000 $ 293,000 $ 94,000
Merced 12,602 $ 2,428,027,000 $ 192,000 $ 66,000
Modoc 272 $ 35,529,000 $ 130,000 $ 63,000
Mono 1,172 $ 378,215,000 $ 322,000 $ 207,000
Monterey 18,453 $ 7,534,170,000 $ 408,000 $ 128,000
Napa 9,062 $ 4,255,360,000 $ 469,000 $ 159,000
Nevada 8,305 $ 2,648,456,000 $ 318,000 $ 119,000
Orange 186,838 $ 93,264,133,000 $ 499,000 $ 152,000
Placer 37,681 $ 13,290,606,000 $ 352,000 $ 123,000
Plumas 1,310 $ 290,180,000 $ 221,000 $ 109,000
Riverside 176,016 $ 49,864,271,000 $ 283,000 $ 87,000
Sacramento 107,389 $ 28,967,064,000 $ 269,000 $ 87,000
San Benito 4,627 $ 1,768,959,000 $ 382,000 $ 102,000
San Bernardino 133,868 $ 34,018,513,000 $ 254,000 $ 79,000
San Diego 211,228 $ 89,064,313,000 $ 421,000 $ 119,000
San Francisco 32,036 $ 24,061,491,000 $ 751,000 $ 225,000
San Joaquin 46,642 $ 12,054,390,000 $ 258,000 $ 84,000
San Luis Obispo 18,982 $ 7,446,454,000 $ 392,000 $ 123,000
San Mateo 40,529 $ 27,452,366,000 $ 677,000 $ 196,000
Santa Barbara 20,881 $ 10,120,627,000 $ 484,000 $ 149,000
Santa Clara 109,818 $ 63,970,751,000 $ 582,000 $ 172,000
Santa Cruz 15,024 $ 6,934,557,000 $ 461,000 $ 144,000
Shasta 11,202 $ 2,368,298,000 $ 211,000 $ 72,000
Sierra 173 $ 32,321,000 $ 186,000 $ 86,000
Siskiyou 1,669 $ 289,317,000 $ 173,000 $ 73,000
Solano 34,917 $ 10,778,051,000 $ 308,000 $ 89,000
Sonoma 30,979 $ 12,648,160,000 $ 408,000 $ 127,000
Stanislaus 31,871 $ 6,916,057,000 $ 217,000 $ 76,000
Sutter 5,327 $ 1,127,844,000 $ 211,000 $ 75,000
Tehama 3,018 $ 560,779,000 $ 185,000 $ 63,000
Trinity 544 $ 111,260,000 $ 204,000 $ 72,000
Tulare 19,926 $ 3,744,012,000 $ 187,000 $ 65,000
Tuolumne 3,718 $ 913,486,000 $ 245,000 $ 89,000
Ventura 55,676 $ 23,777,346,000 $ 427,000 $ 126,000
Yolo 11,564 $ 3,515,779,000 $ 304,000 $ 106,000
Yuba 5,015 $ 1,061,910,000 $ 211,000 $ 61,000
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