Blufi Lending Corp. Mortgage Lending & HMDA Data, 2011
In 2011, Blufi Lending Corp. of Carlsbad, CA reported 1,759 mortgage applications totaling $497.9 million. The average application was for $283,036, and applicants reported an average income of $101,393. 0% of its applications resulted in an originated loan and 29% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (363), San Diego-Carlsbad-San Marcos, CA (307) and Santa Ana-Anaheim-Irvine, CA (176) (applications in parentheses).
| Mortgage Company & Address | Blufi Lending Corp. 1808 Aston Ave., Ste. 190 Carlsbad, CA 92008 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2013 2012 2011 |
| Total Number of Mortgage Applications | 1,759 |
| Total Mortgage Loan Application Amount | $497,861,000 |
| Average Mortgage Loan Application Amount | $283,036 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $101,393 |
| Highest Applicant Income | $1,458,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Blufi Lending Corp. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Blufi Lending Corp. in 2011
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 | 1,586 | $446,608,000 | $281,000 | $1,500,000 | $101,000 | $1,458,000 |
| Home Purchase | 173 | $51,253,000 | $296,000 | $1,308,000 | $105,000 | $426,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not Provided | 1,011 | $287,103,000 | $283,000 | $1,500,000 | $105,000 | $1,458,000 |
| White | 511 | $143,466,000 | $280,000 | $780,000 | $101,000 | $592,000 |
| Asian | 106 | $31,736,000 | $299,000 | $672,000 | $99,000 | $398,000 |
| Hispanic | 88 | $24,669,000 | $280,000 | $1,273,000 | $82,000 | $400,000 |
| Black or African American | 29 | $7,400,000 | $255,000 | $553,000 | $88,000 | $245,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $2,080,000 | $260,000 | $420,000 | $91,000 | $133,000 |
| American Indian or Alaskan Native | 6 | $1,407,000 | $234,000 | $420,000 | $73,000 | $112,000 |
| 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) | 1,596 | $452,094,000 | $283,000 | $1,500,000 | $104,000 | $1,458,000 |
| FHA-insured (Federal Housing Administration) | 144 | $39,996,000 | $277,000 | $704,000 | $81,000 | $445,000 |
| VA-guaranteed (Veterans Administration) | 18 | $5,461,000 | $303,000 | $533,000 | $89,000 | $147,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $310,000 | $310,000 | $310,000 | $48,000 | $48,000 |
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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 547 | $156,804,000 | $286,000 | $1,500,000 | $111,000 | $1,000,000 |
| Application Approved But Not Accepted | 538 | $145,547,000 | $270,000 | $1,273,000 | $106,000 | $488,000 |
| Application Denied By Financial Institution | 503 | $150,766,000 | $299,000 | $1,308,000 | $87,000 | $1,458,000 |
| File Closed For Incompleteness | 169 | $44,418,000 | $262,000 | $780,000 | $101,000 | $607,000 |
| Loan Originated | 2 | $326,000 | $163,000 | $240,000 | $70,000 | $118,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 152 | $49,320,000 | $324,000 | $836,000 | $68,000 | $350,000 |
| Other | 124 | $35,997,000 | $290,000 | $730,000 | $79,000 | $339,000 |
| Collateral | 121 | $34,062,000 | $281,000 | $673,000 | $101,000 | $304,000 |
| Credit History | 64 | $16,287,000 | $254,000 | $650,000 | $105,000 | $1,458,000 |
| Employment History | 11 | $3,210,000 | $291,000 | $525,000 | $78,000 | $121,000 |
| Unverifiable Information | 5 | $1,896,000 | $379,000 | $653,000 | $81,000 | $134,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $867,000 | $433,000 | $572,000 | $123,000 | $135,000 |
| Mortgage Insurance Denied | 2 | $975,000 | $487,000 | $500,000 | $97,000 | $109,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Blufi Lending Corp.'s 2011 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 Blufi Lending Corp.'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.
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