Calcap Financial, Inc Mortgage Lending & HMDA Data, 2017
In 2017, Calcap Financial, Inc of Pasadena, CA reported 253 mortgage applications totaling $138.8 million, up 61% from 2016. The average application was for $548,584, and applicants reported an average income of $229,553. 35% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (82), Oakland-Hayward-Berkeley, CA (29) and Riverside-San Bernardino-Ontario, CA (22) (applications in parentheses).
| Mortgage Company & Address | Calcap Financial, Inc 65 N. Catalina Avenue Pasadena, CA 91106 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2017 2016 |
| Total Number of Mortgage Applications | 253 |
| Total Mortgage Loan Application Amount | $138,792,000 |
| Average Mortgage Loan Application Amount | $548,584 |
| Highest Mortgage Loan Application Amount | $3,700,000 |
| Average Applicant Income | $229,553 |
| Highest Applicant Income | $10,000,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Calcap Financial, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Calcap Financial, Inc in 2017
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 | 129 | $77,927,000 | $604,000 | $3,700,000 | $257,000 | $10,000,000 |
| Home Purchase | 124 | $60,865,000 | $490,000 | $2,850,000 | $201,000 | $3,893,000 |
| 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 | 81 | $48,156,000 | $594,000 | $2,850,000 | $212,000 | $900,000 |
| Not applicable | 44 | $26,310,000 | $597,000 | $2,543,000 | $344,000 | $3,893,000 |
| Hispanic | 44 | $12,345,000 | $280,000 | $1,000,000 | $96,000 | $462,000 |
| Asian | 36 | $20,930,000 | $581,000 | $2,556,000 | $460,000 | $10,000,000 |
| Not Provided | 33 | $24,537,000 | $743,000 | $3,700,000 | $101,000 | $1,200,000 |
| Black or African American | 15 | $6,514,000 | $434,000 | $1,195,000 | $105,000 | $672,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 253 | $138,792,000 | $548,000 | $3,700,000 | $230,000 | $10,000,000 |
| 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 |
| 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 Withdrawn By Applicant | 97 | $53,757,000 | $554,000 | $2,686,000 | $163,000 | $3,840,000 |
| Loan Originated | 89 | $44,183,000 | $496,000 | $2,850,000 | $394,000 | $10,000,000 |
| Application Denied By Financial Institution | 44 | $27,771,000 | $631,000 | $3,700,000 | $151,000 | $900,000 |
| File Closed For Incompleteness | 21 | $11,589,000 | $551,000 | $1,950,000 | $22,000 | $300,000 |
| Application Approved But Not Accepted | 2 | $1,492,000 | $746,000 | $1,000,000 | $25,000 | $50,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 15 | $11,097,000 | $739,000 | $3,700,000 | $148,000 | $596,000 |
| Other | 11 | $4,390,000 | $399,000 | $1,287,000 | $148,000 | $497,000 |
| Collateral | 10 | $7,021,000 | $702,000 | $2,250,000 | $116,000 | $561,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $1,027,000 | $513,000 | $816,000 | $169,000 | $274,000 |
| Employment History | 1 | $270,000 | $270,000 | $270,000 | $49,000 | $49,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Calcap Financial, Inc's 2017 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 Calcap Financial, 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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