Alliance Bancorp Mortgage Lending & HMDA Data, 2006
In 2006, Alliance Bancorp of Brisbane, CA reported 34,439 mortgage applications totaling $9.3 billion. The average application was for $271,328, and applicants reported an average income of $41,811. 37% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (6,244), Riverside-San Bernardino-Ontario, CA (3,111) and Oakland-Fremont-Hayward, CA (1,859) (applications in parentheses).
| Mortgage Company & Address | Alliance Bancorp 1000 Marina Boulevard #100 Brisbane, CA 94005 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 |
| Total Number of Mortgage Applications | 34,439 |
| Total Mortgage Loan Application Amount | $9,344,279,000 |
| Average Mortgage Loan Application Amount | $271,328 |
| Highest Mortgage Loan Application Amount | $3,760,000 |
| Average Applicant Income | $41,811 |
| Highest Applicant Income | $9,726,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Alliance Bancorp filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Alliance Bancorp in 2006
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 | 20,850 | $6,054,015,000 | $290,000 | $3,760,000 | $43,000 | $9,726,000 |
| Home Purchase | 13,583 | $3,288,791,000 | $242,000 | $2,763,000 | $40,000 | $6,798,000 |
| Home Improvement | 6 | $1,473,000 | $245,000 | $456,000 | $12,000 | $72,000 |
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 |
|---|---|---|---|---|---|---|
| Hispanic | 9,382 | $2,432,876,000 | $259,000 | $2,000,000 | $32,000 | $2,430,000 |
| White | 7,720 | $2,182,265,000 | $282,000 | $3,760,000 | $71,000 | $6,798,000 |
| Not Provided | 5,481 | $1,560,116,000 | $284,000 | $2,763,000 | $46,000 | $1,872,000 |
| Not applicable | 4,603 | $1,120,176,000 | $243,000 | $3,500,000 | $0 | $264,000 |
| Asian | 4,173 | $1,234,461,000 | $295,000 | $2,000,000 | $46,000 | $1,320,000 |
| Black or African American | 2,285 | $572,289,000 | $250,000 | $1,950,000 | $57,000 | $9,726,000 |
| Native Hawaiian or Other Pacific Islander | 697 | $216,015,000 | $309,000 | $1,330,000 | $42,000 | $1,440,000 |
| American Indian or Alaskan Native | 98 | $26,081,000 | $266,000 | $965,000 | $41,000 | $600,000 |
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) | 34,335 | $9,330,133,000 | $271,000 | $3,760,000 | $42,000 | $9,726,000 |
| FHA-insured (Federal Housing Administration) | 84 | $9,902,000 | $117,000 | $353,000 | $33,000 | $111,000 |
| VA-guaranteed (Veterans Administration) | 20 | $4,244,000 | $212,000 | $408,000 | $56,000 | $145,000 |
| 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 | 12,631 | $3,479,635,000 | $275,000 | $3,500,000 | $40,000 | $9,726,000 |
| Application Approved But Not Accepted | 9,125 | $2,587,497,000 | $283,000 | $3,465,000 | $45,000 | $3,840,000 |
| Application Denied By Financial Institution | 5,536 | $1,436,453,000 | $259,000 | $3,760,000 | $72,000 | $2,430,000 |
| Loan Purchased By The Institution | 4,609 | $1,121,000,000 | $243,000 | $3,500,000 | $0 | $264,000 |
| Application Withdrawn By Applicant | 1,519 | $425,067,000 | $279,000 | $2,500,000 | $56,000 | $1,872,000 |
| File Closed For Incompleteness | 1,019 | $294,627,000 | $289,000 | $1,505,000 | $55,000 | $2,303,000 |
| 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 | 1,134 | $307,946,000 | $271,000 | $2,139,000 | $69,000 | $2,430,000 |
| Collateral | 603 | $149,039,000 | $247,000 | $3,760,000 | $86,000 | $1,374,000 |
| Other | 479 | $121,913,000 | $254,000 | $1,750,000 | $77,000 | $2,430,000 |
| Unverifiable Information | 191 | $42,591,000 | $222,000 | $1,299,000 | $83,000 | $1,020,000 |
| Debt-To-Income Ratio | 190 | $42,903,000 | $225,000 | $1,400,000 | $64,000 | $324,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 132 | $28,258,000 | $214,000 | $1,750,000 | $82,000 | $791,000 |
| Employment History | 104 | $22,958,000 | $220,000 | $960,000 | $58,000 | $383,000 |
| Credit Application Incomplete | 62 | $12,108,000 | $195,000 | $640,000 | $81,000 | $798,000 |
| Mortgage Insurance Denied | 1 | $142,000 | $142,000 | $142,000 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Alliance Bancorp's 2006 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 Alliance Bancorp'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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