California Financial Group Mortgage Lending & HMDA Data, 2007
In 2007, California Financial Group of Pleasanton, CA reported 970 mortgage applications totaling $271.7 million, up 16% from 2006. The average application was for $280,118, and applicants reported an average income of $170,360. 86% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Oakland-Fremont-Hayward, CA (139), Albuquerque, NM (79) and Raleigh-Cary, NC (78) (applications in parentheses).
| Mortgage Company & Address | California Financial Group 6200 Stoneridge Mall Road, Suite 250 Pleasanton, CA 94588 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 |
| Total Number of Mortgage Applications | 970 |
| Total Mortgage Loan Application Amount | $271,715,000 |
| Average Mortgage Loan Application Amount | $280,118 |
| Highest Mortgage Loan Application Amount | $4,650,000 |
| Average Applicant Income | $170,360 |
| Highest Applicant Income | $2,345,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records California Financial Group filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Contra Costa, California | 83 | $ 32,731,000 | $ 394,349 | $ 184,000 |
| Wake, North Carolina | 76 | $ 13,991,000 | $ 184,092 | $ 210,000 |
| Los Angeles, California | 62 | $ 23,297,000 | $ 375,758 | $ 121,000 |
| Alameda, California | 56 | $ 21,953,000 | $ 392,017 | $ 160,000 |
| Bernalillo, New Mexico | 52 | $ 10,087,000 | $ 193,980 | $ 289,000 |
| Santa Clara, California | 28 | $ 20,798,000 | $ 742,785 | $ 398,000 |
| San Joaquin, California | 27 | $ 6,568,000 | $ 243,259 | $ 114,000 |
| Sandoval, New Mexico | 27 | $ 4,878,000 | $ 180,666 | $ 273,000 |
| Maricopa, Arizona | 24 | $ 6,512,000 | $ 271,333 | $ 183,000 |
| Clark, Nevada | 23 | $ 5,053,000 | $ 219,695 | $ 172,000 |
| Sacramento, California | 22 | $ 4,586,000 | $ 208,454 | $ 95,000 |
| Solano, California | 21 | $ 5,600,000 | $ 266,666 | $ 105,000 |
| Washington, Oregon | 19 | $ 3,710,000 | $ 195,263 | $ 240,000 |
| Kern, California | 18 | $ 3,715,000 | $ 206,388 | $ 83,000 |
| Travis, Texas | 17 | $ 2,926,000 | $ 172,117 | $ 216,000 |
| Stanislaus, California | 15 | $ 3,798,000 | $ 253,200 | $ 84,000 |
| San Bernardino, California | 14 | $ 3,454,000 | $ 246,714 | $ 91,000 |
| Yamhill, Oregon | 14 | $ 2,728,000 | $ 194,857 | $ 310,000 |
| Fresno, California | 13 | $ 2,465,000 | $ 189,615 | $ 48,000 |
| Placer, California | 13 | $ 5,560,000 | $ 427,692 | $ 152,000 |
| San Diego, California | 12 | $ 8,461,000 | $ 705,083 | $ 223,000 |
| Sonoma, California | 12 | $ 4,549,000 | $ 379,083 | $ 118,000 |
| King, Washington | 11 | $ 2,751,000 | $ 250,090 | $ 91,000 |
| Williamson, Texas | 10 | $ 2,001,000 | $ 200,100 | $ 433,000 |
| Pierce, Washington | 9 | $ 1,967,000 | $ 218,555 | $ 65,000 |
| Riverside, California | 8 | $ 1,967,000 | $ 245,875 | $ 87,000 |
| Clark, Washington | 8 | $ 1,635,000 | $ 204,375 | $ 188,000 |
| Orange, California | 7 | $ 1,953,000 | $ 279,000 | $ 177,000 |
| San Francisco, California | 7 | $ 2,376,000 | $ 339,428 | $ 337,000 |
| Ventura, California | 7 | $ 1,833,000 | $ 261,857 | $ 138,000 |
| Multnomah, Oregon | 7 | $ 1,501,000 | $ 214,428 | $ 164,000 |
| Snohomish, Washington | 7 | $ 2,045,000 | $ 292,142 | $ 104,000 |
| Butte, California | 6 | $ 1,211,000 | $ 201,833 | $ 156,000 |
| Broward, Florida | 6 | $ 1,568,000 | $ 261,333 | $ 109,000 |
| Miami-Dade, Florida | 6 | $ 1,342,000 | $ 223,666 | $ 67,000 |
| Cherokee, Georgia | 6 | $ 1,155,000 | $ 192,500 | $ 186,000 |
| Thurston, Washington | 6 | $ 1,035,000 | $ 172,500 | $ 74,000 |
| Shasta, California | 5 | $ 980,000 | $ 196,000 | $ 96,000 |
| Douglas, Georgia | 5 | $ 894,000 | $ 178,800 | $ 208,000 |
| Forsyth, Georgia | 5 | $ 1,017,000 | $ 203,400 | $ 242,000 |
| Gwinnett, Georgia | 5 | $ 956,000 | $ 191,200 | $ 316,000 |
| Ada, Idaho | 5 | $ 807,000 | $ 161,400 | $ 43,000 |
| Harris, Texas | 5 | $ 993,000 | $ 198,600 | $ 254,000 |
| Kitsap, Washington | 5 | $ 1,480,000 | $ 296,000 | $ 132,000 |
| San Mateo, California | 4 | $ 2,767,000 | $ 691,750 | $ 436,000 |
| Canyon, Idaho | 4 | $ 647,000 | $ 161,750 | $ 42,000 |
| Deschutes, Oregon | 4 | $ 828,000 | $ 207,000 | $ 66,000 |
| Lane, Oregon | 4 | $ 679,000 | $ 169,750 | $ 77,000 |
| Montgomery, Texas | 4 | $ 950,000 | $ 237,500 | $ 217,000 |
| Lake, California | 3 | $ 790,000 | $ 263,333 | $ 178,000 |
| Mendocino, California | 3 | $ 1,366,000 | $ 455,333 | $ 288,000 |
| Santa Barbara, California | 3 | $ 772,000 | $ 257,333 | $ 336,000 |
| Santa Cruz, California | 3 | $ 1,184,000 | $ 394,666 | $ 196,000 |
| Yuba, California | 3 | $ 565,000 | $ 188,333 | $ 79,000 |
| Alachua, Florida | 3 | $ 315,000 | $ 105,000 | $ 36,000 |
| Bonneville, Idaho | 3 | $ 490,000 | $ 163,333 | $ 52,000 |
| Washoe, Nevada | 3 | $ 924,000 | $ 308,000 | $ 249,000 |
| Columbia, Oregon | 3 | $ 420,000 | $ 140,000 | $ 93,000 |
| Marion, Oregon | 3 | $ 662,000 | $ 220,666 | $ 77,000 |
| Umatilla, Oregon | 3 | $ 922,000 | $ 307,333 | $ 49,000 |
| Whatcom, Washington | 3 | $ 897,000 | $ 299,000 | $ 99,000 |
| Pima, Arizona | 2 | $ 292,000 | $ 146,000 | $ 34,000 |
| Calaveras, California | 2 | $ 436,000 | $ 218,000 | $ 55,000 |
| Merced, California | 2 | $ 302,000 | $ 151,000 | $ 77,000 |
| Nevada, California | 2 | $ 560,000 | $ 280,000 | $ 153,000 |
| San Luis Obispo, California | 2 | $ 1,094,000 | $ 547,000 | $ 54,000 |
| DeKalb, Georgia | 2 | $ 349,000 | $ 174,500 | $ 58,000 |
| Clay, Missouri | 2 | $ 552,000 | $ 276,000 | $ 235,000 |
| Jasper, Missouri | 2 | $ 182,000 | $ 91,000 | $ 720,000 |
| Santa Fe, New Mexico | 2 | $ 446,000 | $ 223,000 | $ 45,000 |
| Buncombe, North Carolina | 2 | $ 269,000 | $ 134,500 | $ 61,000 |
| Caldwell, North Carolina | 2 | $ 238,000 | $ 119,000 | $ 68,000 |
| Johnston, North Carolina | 2 | $ 330,000 | $ 165,000 | $ 142,000 |
| Mecklenburg, North Carolina | 2 | $ 458,000 | $ 229,000 | $ 77,000 |
| Chelan, Washington | 2 | $ 436,000 | $ 218,000 | $ 55,000 |
| Grant, Washington | 2 | $ 396,000 | $ 198,000 | $ 125,000 |
| Island, Washington | 2 | $ 478,000 | $ 239,000 | $ 55,000 |
| Skagit, Washington | 2 | $ 540,000 | $ 270,000 | $ 34,000 |
| Spokane, Washington | 2 | $ 382,000 | $ 191,000 | $ 59,000 |
| Matanuska-Susitna, Alaska | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Mohave, Arizona | 1 | $ 164,000 | $ 164,000 | $ 162,000 |
| Yuma, Arizona | 1 | $ 136,000 | $ 136,000 | $ 43,000 |
| Amador, California | 1 | $ 333,000 | $ 333,000 | $ 65,000 |
| Colusa, California | 1 | $ 110,000 | $ 110,000 | $ 114,000 |
| Del Norte, California | 1 | $ 130,000 | $ 130,000 | $ 67,000 |
| El Dorado, California | 1 | $ 302,000 | $ 302,000 | $ 73,000 |
| Humboldt, California | 1 | $ 304,000 | $ 304,000 | $ 105,000 |
| Kings, California | 1 | $ 275,000 | $ 275,000 | $ 57,000 |
| Madera, California | 1 | $ 143,000 | $ 143,000 | $ 42,000 |
| Marin, California | 1 | $ 854,000 | $ 854,000 | $ 0 |
| Mariposa, California | 1 | $ 330,000 | $ 330,000 | $ 0 |
| Monterey, California | 1 | $ 93,000 | $ 93,000 | $ 162,000 |
| Sutter, California | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Tehama, California | 1 | $ 424,000 | $ 424,000 | $ 0 |
| Tulare, California | 1 | $ 162,000 | $ 162,000 | $ 33,000 |
| Yolo, California | 1 | $ 315,000 | $ 315,000 | $ 72,000 |
| Adams, Colorado | 1 | $ 144,000 | $ 144,000 | $ 31,000 |
| Denver, Colorado | 1 | $ 315,000 | $ 315,000 | $ 145,000 |
| Douglas, Colorado | 1 | $ 258,000 | $ 258,000 | $ 62,000 |
| El Paso, Colorado | 1 | $ 145,000 | $ 145,000 | $ 35,000 |
| Garfield, Colorado | 1 | $ 181,000 | $ 181,000 | $ 42,000 |
| Mesa, Colorado | 1 | $ 231,000 | $ 231,000 | $ 120,000 |
| Fairfield, Connecticut | 1 | $ 329,000 | $ 329,000 | $ 113,000 |
| New Haven, Connecticut | 1 | $ 162,000 | $ 162,000 | $ 42,000 |
| Tolland, Connecticut | 1 | $ 125,000 | $ 125,000 | $ 45,000 |
| Windham, Connecticut | 1 | $ 145,000 | $ 145,000 | $ 21,000 |
| Citrus, Florida | 1 | $ 168,000 | $ 168,000 | $ 69,000 |
| Marion, Florida | 1 | $ 132,000 | $ 132,000 | $ 31,000 |
| Martin, Florida | 1 | $ 185,000 | $ 185,000 | $ 55,000 |
| Osceola, Florida | 1 | $ 168,000 | $ 168,000 | $ 54,000 |
| Pasco, Florida | 1 | $ 244,000 | $ 244,000 | $ 86,000 |
| Polk, Florida | 1 | $ 195,000 | $ 195,000 | $ 109,000 |
| Volusia, Florida | 1 | $ 252,000 | $ 252,000 | $ 74,000 |
| Clayton, Georgia | 1 | $ 187,000 | $ 187,000 | $ 51,000 |
| Dougherty, Georgia | 1 | $ 62,000 | $ 62,000 | $ 66,000 |
| Fulton, Georgia | 1 | $ 162,000 | $ 162,000 | $ 37,000 |
| Hawaii, Hawaii | 1 | $ 900,000 | $ 900,000 | $ 882,000 |
| Honolulu, Hawaii | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Bonner, Idaho | 1 | $ 163,000 | $ 163,000 | $ 81,000 |
| Prince George's, Maryland | 1 | $ 385,000 | $ 385,000 | $ 102,000 |
| Berkshire, Massachusetts | 1 | $ 145,000 | $ 145,000 | $ 39,000 |
| Bristol, Massachusetts | 1 | $ 196,000 | $ 196,000 | $ 42,000 |
| Suffolk, Massachusetts | 1 | $ 273,000 | $ 273,000 | $ 41,000 |
| Cass, Missouri | 1 | $ 180,000 | $ 180,000 | $ 175,000 |
| Jackson, Missouri | 1 | $ 180,000 | $ 180,000 | $ 123,000 |
| Platte, Missouri | 1 | $ 276,000 | $ 276,000 | $ 216,000 |
| Douglas, Nevada | 1 | $ 261,000 | $ 261,000 | $ 180,000 |
| Lyon, Nevada | 1 | $ 193,000 | $ 193,000 | $ 43,000 |
| Carroll, New Hampshire | 1 | $ 224,000 | $ 224,000 | $ 30,000 |
| Dona Ana, New Mexico | 1 | $ 159,000 | $ 159,000 | $ 64,000 |
| Alamance, North Carolina | 1 | $ 143,000 | $ 143,000 | $ 22,000 |
| Cabarrus, North Carolina | 1 | $ 94,000 | $ 94,000 | $ 123,000 |
| Carteret, North Carolina | 1 | $ 324,000 | $ 324,000 | $ 111,000 |
| Catawba, North Carolina | 1 | $ 199,000 | $ 199,000 | $ 40,000 |
| Davidson, North Carolina | 1 | $ 330,000 | $ 330,000 | $ 65,000 |
| Forsyth, North Carolina | 1 | $ 132,000 | $ 132,000 | $ 21,000 |
| Guilford, North Carolina | 1 | $ 135,000 | $ 135,000 | $ 118,000 |
| Iredell, North Carolina | 1 | $ 152,000 | $ 152,000 | $ 64,000 |
| Mitchell, North Carolina | 1 | $ 200,000 | $ 200,000 | $ 88,000 |
| Onslow, North Carolina | 1 | $ 146,000 | $ 146,000 | $ 52,000 |
| Randolph, North Carolina | 1 | $ 88,000 | $ 88,000 | $ 67,000 |
| Rockingham, North Carolina | 1 | $ 166,000 | $ 166,000 | $ 31,000 |
| Rowan, North Carolina | 1 | $ 93,000 | $ 93,000 | $ 72,000 |
| Wilson, North Carolina | 1 | $ 200,000 | $ 200,000 | $ 103,000 |
| Delaware, Ohio | 1 | $ 142,000 | $ 142,000 | $ 240,000 |
| Benton, Oregon | 1 | $ 234,000 | $ 234,000 | $ 51,000 |
| Coos, Oregon | 1 | $ 161,000 | $ 161,000 | $ 58,000 |
| Jackson, Oregon | 1 | $ 292,000 | $ 292,000 | $ 80,000 |
| Jefferson, Oregon | 1 | $ 271,000 | $ 271,000 | $ 58,000 |
| Lincoln, Oregon | 1 | $ 64,000 | $ 64,000 | $ 95,000 |
| Linn, Oregon | 1 | $ 101,000 | $ 101,000 | $ 39,000 |
| Polk, Oregon | 1 | $ 170,000 | $ 170,000 | $ 48,000 |
| Wasco, Oregon | 1 | $ 160,000 | $ 160,000 | $ 51,000 |
| Shelby, Tennessee | 1 | $ 171,000 | $ 171,000 | $ 217,000 |
| Coryell, Texas | 1 | $ 119,000 | $ 119,000 | $ 70,000 |
| El Paso, Texas | 1 | $ 50,000 | $ 50,000 | $ 130,000 |
| Hays, Texas | 1 | $ 194,000 | $ 194,000 | $ 162,000 |
| Tarrant, Texas | 1 | $ 400,000 | $ 400,000 | $ 159,000 |
| Cowlitz, Washington | 1 | $ 72,000 | $ 72,000 | $ 127,000 |
| Douglas, Washington | 1 | $ 248,000 | $ 248,000 | $ 290,000 |
| Lewis, Washington | 1 | $ 200,000 | $ 200,000 | $ 94,000 |
| Pacific, Washington | 1 | $ 138,000 | $ 138,000 | $ 0 |
| Walla Walla, Washington | 1 | $ 163,000 | $ 163,000 | $ 174,000 |
Mortgage Loan Application Detail Totals for California Financial Group in 2007
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 | 632 | $192,490,000 | $304,000 | $4,650,000 | $139,000 | $2,345,000 |
| Home Purchase | 338 | $79,225,000 | $234,000 | $1,100,000 | $229,000 | $1,959,000 |
| 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 | 613 | $175,853,000 | $286,000 | $4,650,000 | $184,000 | $2,345,000 |
| Not Provided | 120 | $31,171,000 | $259,000 | $800,000 | $133,000 | $510,000 |
| Hispanic | 109 | $30,180,000 | $276,000 | $750,000 | $104,000 | $545,000 |
| Asian | 61 | $17,472,000 | $286,000 | $1,100,000 | $222,000 | $551,000 |
| Black or African American | 58 | $15,165,000 | $261,000 | $716,000 | $183,000 | $874,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $1,361,000 | $226,000 | $388,000 | $44,000 | $100,000 |
| American Indian or Alaskan Native | 3 | $513,000 | $171,000 | $212,000 | $100,000 | $180,000 |
| 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) | 905 | $259,888,000 | $287,000 | $4,650,000 | $178,000 | $2,345,000 |
| FHA-insured (Federal Housing Administration) | 65 | $11,827,000 | $181,000 | $306,000 | $57,000 | $162,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 831 | $221,297,000 | $266,000 | $1,500,000 | $168,000 | $1,959,000 |
| Application Denied By Financial Institution | 139 | $50,418,000 | $362,000 | $4,650,000 | $180,000 | $2,345,000 |
| 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 | 10 | $2,921,000 | $292,000 | $520,000 | $95,000 | $264,000 |
| Credit History | 8 | $2,211,000 | $276,000 | $600,000 | $138,000 | $336,000 |
| Collateral | 2 | $325,000 | $162,000 | $175,000 | $42,000 | $48,000 |
| Credit Application Incomplete | 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 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into California Financial Group's 2007 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 California Financial Group'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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