Blue Saphire Investments (Ca) Mortgage Lending & HMDA Data, 2008
In 2008, Blue Saphire Investments (Ca) of Union City, CA reported 268 mortgage applications totaling $68.7 million. The average application was for $256,328, and applicants reported an average income of $103,044. 16% of its applications resulted in an originated loan and 49% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (20), Tampa-St. Petersburg-Clearwater, FL (19) and Orlando-Kissimmee, FL (16) (applications in parentheses).
| Mortgage Company & Address | Blue Saphire Investments (Ca) 29400 Kohoutek Way, Ste .,150 Union City, CA 94587 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2008 |
| Total Number of Mortgage Applications | 268 |
| Total Mortgage Loan Application Amount | $68,696,000 |
| Average Mortgage Loan Application Amount | $256,328 |
| Highest Mortgage Loan Application Amount | $1,680,000 |
| Average Applicant Income | $103,044 |
| Highest Applicant Income | $600,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Blue Saphire Investments (Ca) filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Blue Saphire Investments (Ca) in 2008
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 | 185 | $48,753,000 | $263,000 | $1,680,000 | $108,000 | $600,000 |
| Refinancing | 83 | $19,943,000 | $240,000 | $770,000 | $92,000 | $318,000 |
| 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 |
|---|---|---|---|---|---|---|
| White | 102 | $28,407,000 | $278,000 | $1,680,000 | $126,000 | $600,000 |
| Hispanic | 68 | $16,103,000 | $236,000 | $519,000 | $82,000 | $254,000 |
| Black or African American | 44 | $11,191,000 | $254,000 | $660,000 | $93,000 | $261,000 |
| Asian | 30 | $7,040,000 | $234,000 | $417,000 | $84,000 | $318,000 |
| Not Provided | 14 | $3,382,000 | $241,000 | $440,000 | $92,000 | $162,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $1,905,000 | $238,000 | $518,000 | $153,000 | $300,000 |
| American Indian or Alaskan Native | 2 | $668,000 | $334,000 | $540,000 | $104,000 | $123,000 |
| 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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 260 | $66,642,000 | $256,000 | $1,680,000 | $105,000 | $600,000 |
| FHA-insured (Federal Housing Administration) | 8 | $2,054,000 | $256,000 | $315,000 | $65,000 | $114,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 132 | $38,116,000 | $288,000 | $1,680,000 | $111,000 | $600,000 |
| Application Withdrawn By Applicant | 52 | $12,397,000 | $238,000 | $518,000 | $103,000 | $300,000 |
| Loan Originated | 44 | $8,142,000 | $185,000 | $644,000 | $84,000 | $432,000 |
| File Closed For Incompleteness | 40 | $10,041,000 | $251,000 | $730,000 | $101,000 | $343,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Unverifiable Information | 33 | $9,967,000 | $302,000 | $944,000 | $108,000 | $293,000 |
| Other | 30 | $7,152,000 | $238,000 | $770,000 | $111,000 | $419,000 |
| Employment History | 18 | $5,976,000 | $332,000 | $625,000 | $138,000 | $318,000 |
| Debt-To-Income Ratio | 14 | $3,563,000 | $254,000 | $503,000 | $97,000 | $252,000 |
| Credit History | 13 | $3,303,000 | $254,000 | $405,000 | $88,000 | $168,000 |
| Collateral | 11 | $4,050,000 | $368,000 | $1,680,000 | $126,000 | $600,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $1,469,000 | $244,000 | $380,000 | $74,000 | $134,000 |
| Mortgage Insurance Denied | 2 | $1,244,000 | $622,000 | $650,000 | $242,000 | $290,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Blue Saphire Investments (Ca)'s 2008 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 Blue Saphire Investments (Ca)'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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