Calculated Risk Analytics LLC Mortgage Lending & HMDA Data, 2019
In 2019, Calculated Risk Analytics LLC of Newport Beach, CA reported 2,344 mortgage applications totaling $1.4 billion. The average application was for $614,833, and applicants reported an average income of $315,795. 59% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (954), Riverside-San Bernardino-Ontario, CA (415) and Anaheim-Santa Ana-Irvine, CA (291) (applications in parentheses).
| Mortgage Company & Address | Calculated Risk Analytics LLC 4000 Macarthur Blvd #800 Newport Beach, CA 92660 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2022 2021 2020 2019 |
| Total Number of Mortgage Applications | 2,344 |
| Total Mortgage Loan Application Amount | $1,441,170,000 |
| Average Mortgage Loan Application Amount | $614,833 |
| Highest Mortgage Loan Application Amount | $8,805,000 |
| Average Applicant Income | $315,795 |
| Highest Applicant Income | $8,408,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Calculated Risk Analytics LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Calculated Risk Analytics LLC in 2019
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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 1,012 | $609,410,000 | $602,000 | $7,505,000 | $292,000 | $8,238,000 |
| Home Purchase | 876 | $536,560,000 | $612,000 | $8,645,000 | $326,000 | $8,408,000 |
| Refinancing | 456 | $295,200,000 | $647,000 | $8,805,000 | $349,000 | $2,712,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 751 | $580,875,000 | $773,000 | $8,645,000 | $456,000 | $8,408,000 |
| Hispanic | 678 | $297,030,000 | $438,000 | $5,005,000 | $177,000 | $2,056,000 |
| Not Provided | 506 | $315,680,000 | $623,000 | $7,505,000 | $325,000 | $8,223,000 |
| Asian | 294 | $182,690,000 | $621,000 | $8,805,000 | $286,000 | $3,300,000 |
| Black or African American | 97 | $57,165,000 | $589,000 | $2,455,000 | $251,000 | $1,820,000 |
| American Indian or Alaskan Native | 14 | $6,200,000 | $442,000 | $665,000 | $125,000 | $283,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $1,325,000 | $441,000 | $655,000 | $97,000 | $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) | 2,128 | $1,349,280,000 | $634,000 | $8,805,000 | $337,000 | $8,408,000 |
| FHA-insured (Federal Housing Administration) | 195 | $82,245,000 | $421,000 | $945,000 | $96,000 | $242,000 |
| VA-guaranteed (Veterans Administration) | 21 | $9,645,000 | $459,000 | $735,000 | $100,000 | $195,000 |
| 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 | 1,384 | $859,730,000 | $621,000 | $8,645,000 | $334,000 | $8,408,000 |
| Application Approved But Not Accepted | 604 | $387,620,000 | $641,000 | $8,805,000 | $327,000 | $8,223,000 |
| Application Denied By Financial Institution | 191 | $105,925,000 | $554,000 | $4,445,000 | $200,000 | $3,775,000 |
| Application Withdrawn By Applicant | 118 | $64,370,000 | $545,000 | $2,665,000 | $300,000 | $4,335,000 |
| File Closed For Incompleteness | 47 | $23,525,000 | $500,000 | $2,885,000 | $208,000 | $2,073,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,153 | $1,335,245,000 | $620,000 | $8,805,000 | $327,000 | $8,408,000 |
| Debt-To-Income Ratio | 82 | $46,170,000 | $563,000 | $2,165,000 | $125,000 | $1,380,000 |
| Unverifiable Information | 46 | $26,920,000 | $585,000 | $4,445,000 | $286,000 | $3,552,000 |
| Credit History | 30 | $13,960,000 | $465,000 | $1,425,000 | $169,000 | $488,000 |
| Collateral | 14 | $8,410,000 | $600,000 | $1,965,000 | $555,000 | $3,775,000 |
| Employment History | 13 | $6,555,000 | $504,000 | $1,165,000 | $161,000 | $592,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $3,910,000 | $651,000 | $1,685,000 | $172,000 | $366,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Calculated Risk Analytics LLC's 2019 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 Calculated Risk Analytics LLC'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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