Ca Lending Inc Mortgage Lending & HMDA Data, 2016
In 2016, Ca Lending Inc of Westlake Village, CA reported 537 mortgage applications totaling $203.1 million. The average application was for $378,286, and applicants reported an average income of $157,446. 97% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Oxnard-Thousand Oaks-Ventura, CA (285), Los Angeles-Long Beach-Glendale, CA (167) and Santa Maria-Santa Barbara, CA (23) (applications in parentheses).
| Mortgage Company & Address | Ca Lending Inc 2625 Towngate Road #320 Westlake Village, CA 91361 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 |
| Total Number of Mortgage Applications | 537 |
| Total Mortgage Loan Application Amount | $203,140,000 |
| Average Mortgage Loan Application Amount | $378,286 |
| Highest Mortgage Loan Application Amount | $1,040,000 |
| Average Applicant Income | $157,446 |
| Highest Applicant Income | $1,746,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Ca Lending Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Ca Lending Inc 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 | 429 | $158,864,000 | $370,000 | $644,000 | $149,000 | $1,514,000 |
| Home Purchase | 108 | $44,276,000 | $409,000 | $1,040,000 | $191,000 | $1,746,000 |
| 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 | 437 | $164,973,000 | $377,000 | $1,040,000 | $160,000 | $1,746,000 |
| Hispanic | 47 | $17,104,000 | $363,000 | $625,000 | $120,000 | $315,000 |
| Asian | 31 | $12,438,000 | $401,000 | $626,000 | $170,000 | $595,000 |
| Black or African American | 10 | $3,357,000 | $335,000 | $511,000 | $109,000 | $207,000 |
| Not Provided | 8 | $3,400,000 | $425,000 | $603,000 | $192,000 | $493,000 |
| Native Hawaiin or Other Pacific Islander | 4 | $1,868,000 | $467,000 | $589,000 | $217,000 | $364,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 528 | $198,481,000 | $375,000 | $1,040,000 | $158,000 | $1,746,000 |
| VA-guaranteed (Veterans Administration) | 9 | $4,659,000 | $517,000 | $644,000 | $103,000 | $304,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 520 | $197,309,000 | $379,000 | $1,040,000 | $152,000 | $1,223,000 |
| Application Denied By Financial Institution | 17 | $5,831,000 | $343,000 | $621,000 | $320,000 | $1,746,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 2 | $781,000 | $390,000 | $400,000 | $146,000 | $146,000 |
| Collateral | 1 | $215,000 | $215,000 | $215,000 | $220,000 | $220,000 |
| Mortgage Insurance Denied | 1 | $417,000 | $417,000 | $417,000 | $1,746,000 | $1,746,000 |
| Other | 1 | $417,000 | $417,000 | $417,000 | $1,514,000 | $1,514,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ca Lending Inc's 2016 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 Ca Lending Inc'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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