Calusa Investments, L.L.C. Mortgage Lending & HMDA Data, 2003

In 2003, Calusa Investments, L.L.C. of Herndon, VA reported 14,404 mortgage applications totaling $1.5 billion. The average application was for $102,843, and applicants reported an average income of $58,018. 7% of its applications resulted in an originated loan and 32% were denied. Its largest markets were Atlanta, GA (922), Baltimore, MD (481) and Salt Lake City-Ogden, UT (302) (applications in parentheses).

Mortgage Company & Address Calusa Investments, L.L.C.
P.O. Box 710840
Herndon, VA 20171
Tel #: available with data download
Federal Regulator * available with data download
Years 2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 14,404
Total Mortgage Loan Application Amount $1,481,362,000
Average Mortgage Loan Application Amount $102,843
Highest Mortgage Loan Application Amount $1,500,000
Average Applicant Income $58,018
Highest Applicant Income $900,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Calusa Investments, L.L.C. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Totals for Calusa Investments, L.L.C. by Metropolitan Area in 2003

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
Atlanta, GA 922 $ 134,132,000 $ 145,479 $ 63,000
Baltimore, MD 481 $ 53,304,000 $ 110,819 $ 63,000
Salt Lake City-Ogden, UT 302 $ 29,318,000 $ 97,079 $ 54,000
Tampa-St. Petersburg-Clearwater, FL 302 $ 27,276,000 $ 90,317 $ 53,000
Indianapolis, IN 300 $ 24,479,000 $ 81,596 $ 57,000
Orlando, FL 281 $ 25,673,000 $ 91,362 $ 55,000
Fort Lauderdale, FL 269 $ 26,500,000 $ 98,513 $ 57,000
Miami, FL 264 $ 27,347,000 $ 103,587 $ 62,000
Hartford, CT 230 $ 24,309,000 $ 105,691 $ 62,000
Denver, CO 217 $ 24,811,000 $ 114,336 $ 60,000
Boise City, ID 205 $ 14,333,000 $ 69,917 $ 45,000
Seattle-Bellevue-Everett, WA 184 $ 28,446,000 $ 154,597 $ 61,000
Jacksonville, FL 179 $ 16,445,000 $ 91,871 $ 56,000
Oklahoma City, OK 176 $ 12,975,000 $ 73,721 $ 60,000
Albuquerque, NM 158 $ 12,407,000 $ 78,525 $ 51,000
West Palm Beach-Boca Raton, FL 158 $ 17,259,000 $ 109,234 $ 59,000
Minneapolis-St. Paul, MN-WI 154 $ 24,967,000 $ 162,123 $ 64,000
Gary, IN 136 $ 11,509,000 $ 84,625 $ 56,000
Wilmington-Newark, DE-MD 134 $ 14,951,000 $ 111,574 $ 63,000
Tulsa, OK 129 $ 11,197,000 $ 86,798 $ 60,000
Greenville-Spartanburg-Anderson, SC 122 $ 11,909,000 $ 97,614 $ 66,000
Anchorage, AK 109 $ 9,923,000 $ 91,036 $ 65,000
Portland-Vancouver, OR-WA 109 $ 12,195,000 $ 111,880 $ 53,000
Wichita, KS 105 $ 7,531,000 $ 71,723 $ 54,000
Louisville, KY-IN 101 $ 7,965,000 $ 78,861 $ 57,000
Colorado Springs, CO 100 $ 9,078,000 $ 90,780 $ 49,000
Des Moines, IA 96 $ 8,422,000 $ 87,729 $ 61,000
New Haven-Meriden, CT 92 $ 11,718,000 $ 127,369 $ 55,000
Tacoma, WA 92 $ 12,278,000 $ 133,456 $ 60,000
Lexington, KY 85 $ 6,108,000 $ 71,858 $ 50,000
Lakeland-Winter Haven, FL 83 $ 6,666,000 $ 80,313 $ 48,000
Pensacola, FL 83 $ 6,369,000 $ 76,734 $ 58,000
Milwaukee-Waukesha, WI 82 $ 9,061,000 $ 110,500 $ 59,000
Fort Wayne, IN 80 $ 6,140,000 $ 76,750 $ 48,000
Los Angeles-Long Beach, CA 80 $ 12,632,000 $ 157,900 $ 59,000
Provo-Orem, UT 77 $ 7,394,000 $ 96,025 $ 46,000
Little Rock-North Little Rock, AR 74 $ 7,187,000 $ 97,121 $ 63,000
Columbia, SC 73 $ 6,579,000 $ 90,123 $ 57,000
Fort Myers-Cape Coral, FL 73 $ 7,272,000 $ 99,616 $ 51,000
Augusta-Aiken, GA-SC 72 $ 7,631,000 $ 105,986 $ 62,000
Daytona Beach, FL 72 $ 5,520,000 $ 76,666 $ 45,000
Omaha, NE-IA 66 $ 5,249,000 $ 79,530 $ 56,000
Sarasota-Bradenton, FL 66 $ 7,631,000 $ 115,621 $ 60,000
Melbourne-Titusville-Palm Bay, FL 65 $ 5,023,000 $ 77,276 $ 54,000
Riverside-San Bernardino, CA 65 $ 8,609,000 $ 132,446 $ 63,000
Fayetteville-Springdale-Rogers, AR 63 $ 6,803,000 $ 107,984 $ 66,000
Macon, GA 63 $ 6,617,000 $ 105,031 $ 57,000
Charleston-North Charleston, SC 58 $ 7,724,000 $ 133,172 $ 69,000
Bridgeport, CT 56 $ 7,298,000 $ 130,321 $ 63,000
Savannah, GA 55 $ 7,791,000 $ 141,654 $ 69,000
Dover, DE 52 $ 5,095,000 $ 97,980 $ 57,000
Waterbury, CT 51 $ 4,810,000 $ 94,313 $ 56,000
Greeley, CO 50 $ 6,349,000 $ 126,980 $ 57,000
Hagerstown, MD 46 $ 3,959,000 $ 86,065 $ 52,000
Columbus, GA-AL 45 $ 5,113,000 $ 113,622 $ 66,000
Spokane, WA 45 $ 4,568,000 $ 101,511 $ 45,000
New London-Norwich, CT-RI 43 $ 5,048,000 $ 117,395 $ 65,000
Ocala, FL 43 $ 3,631,000 $ 84,441 $ 63,000
South Bend, IN 43 $ 4,057,000 $ 94,348 $ 64,000
Fort Pierce-Port St. Lucie, FL 38 $ 3,569,000 $ 93,921 $ 72,000
Manchester, NH 38 $ 4,346,000 $ 114,368 $ 53,000
Providence-Fall River-Warwick, RI-MA 38 $ 5,238,000 $ 137,842 $ 47,000
Sioux Falls, SD 35 $ 2,718,000 $ 77,657 $ 59,000
Bakersfield, CA 34 $ 3,678,000 $ 108,176 $ 48,000
Elkhart-Goshen, IN 34 $ 3,326,000 $ 97,823 $ 57,000
Lafayette, IN 34 $ 2,599,000 $ 76,441 $ 52,000
Naples, FL 34 $ 3,354,000 $ 98,647 $ 52,000
Tallahassee, FL 34 $ 3,429,000 $ 100,852 $ 61,000
Pueblo, CO 33 $ 2,051,000 $ 62,151 $ 56,000
Charleston, WV 32 $ 3,216,000 $ 100,500 $ 60,000
Salem, OR 32 $ 3,774,000 $ 117,937 $ 76,000
Richland-Kennewick-Pasco, WA 31 $ 3,320,000 $ 107,096 $ 53,000
Sacramento, CA 31 $ 5,177,000 $ 167,000 $ 49,000
Topeka, KS 31 $ 2,656,000 $ 85,677 $ 56,000
Lincoln, NE 30 $ 2,723,000 $ 90,766 $ 55,000
Myrtle Beach, SC 29 $ 3,537,000 $ 121,965 $ 45,000
Nashua, NH 29 $ 2,797,000 $ 96,448 $ 60,000
Fort Walton Beach, FL 28 $ 2,328,000 $ 83,142 $ 66,000
Danbury, CT 27 $ 5,070,000 $ 187,777 $ 76,000
Santa Fe, NM 27 $ 3,012,000 $ 111,555 $ 52,000
Evansville-Henderson, IN-KY 26 $ 1,716,000 $ 66,000 $ 56,000
Fresno, CA 26 $ 2,716,000 $ 104,461 $ 49,000
Panama City, FL 26 $ 1,965,000 $ 75,576 $ 47,000
Sioux City, IA-NE 26 $ 2,373,000 $ 91,269 $ 62,000
Stamford-Norwalk, CT 26 $ 4,370,000 $ 168,076 $ 65,000
Eugene-Springfield, OR 25 $ 2,640,000 $ 105,600 $ 55,000
Fort Collins-Loveland, CO 25 $ 2,269,000 $ 90,760 $ 57,000
Punta Gorda, FL 25 $ 2,519,000 $ 100,760 $ 37,000
Cheyenne, WY 24 $ 1,780,000 $ 74,166 $ 52,000
Las Cruces, NM 24 $ 2,014,000 $ 83,916 $ 54,000
Madison, WI 24 $ 2,838,000 $ 118,250 $ 55,000
Portland, ME 24 $ 2,428,000 $ 101,166 $ 61,000
Appleton-Oshkosh-Neenah, WI 23 $ 2,038,000 $ 88,608 $ 56,000
Cedar Rapids, IA 23 $ 2,230,000 $ 96,956 $ 62,000
Billings, MT 22 $ 1,557,000 $ 70,772 $ 61,000
Davenport-Moline-Rock Island, IA-IL 22 $ 2,098,000 $ 95,363 $ 76,000
Fargo-Moorhead, ND-MN 22 $ 1,375,000 $ 62,500 $ 54,000
Kokomo, IN 22 $ 1,941,000 $ 88,227 $ 58,000
Yakima, WA 22 $ 2,605,000 $ 118,409 $ 49,000
Athens, GA 21 $ 2,004,000 $ 95,428 $ 54,000
Boulder-Longmont, CO 21 $ 3,389,000 $ 161,380 $ 53,000
Grand Junction, CO 21 $ 2,064,000 $ 98,285 $ 52,000
Lawton, OK 21 $ 1,098,000 $ 52,285 $ 52,000
Bismarck, ND 20 $ 1,068,000 $ 53,400 $ 49,000
Lawrence, KS 20 $ 1,954,000 $ 97,700 $ 54,000
Albany, GA 19 $ 1,698,000 $ 89,368 $ 59,000
Cumberland, MD-WV 19 $ 1,130,000 $ 59,473 $ 50,000
Gainesville, FL 19 $ 2,113,000 $ 111,210 $ 56,000
Rapid City, SD 19 $ 1,532,000 $ 80,631 $ 63,000
Fort Smith, AR-OK 18 $ 1,632,000 $ 90,666 $ 43,000
Olympia, WA 18 $ 1,954,000 $ 108,555 $ 85,000
Pocatello, ID 18 $ 1,327,000 $ 73,722 $ 45,000
Visalia-Tulare-Porterville, CA 18 $ 1,755,000 $ 97,500 $ 72,000
Casper, WY 17 $ 1,264,000 $ 74,352 $ 54,000
Oakland, CA 17 $ 3,212,000 $ 188,941 $ 69,000
Bremerton, WA 16 $ 1,842,000 $ 115,125 $ 57,000
Orange County, CA 16 $ 3,118,000 $ 194,875 $ 87,000
Bellingham, WA 15 $ 1,930,000 $ 128,666 $ 60,000
Green Bay, WI 15 $ 1,537,000 $ 102,466 $ 43,000
Huntington-Ashland, WV-KY-OH 15 $ 1,665,000 $ 111,000 $ 58,000
Missoula, MT 15 $ 1,314,000 $ 87,600 $ 41,000
Waterloo-Cedar Falls, IA 15 $ 1,143,000 $ 76,200 $ 52,000
Grand Forks, ND-MN 14 $ 813,000 $ 58,071 $ 57,000
Muncie, IN 14 $ 1,214,000 $ 86,714 $ 47,000
Wheeling, WV-OH 14 $ 1,781,000 $ 127,214 $ 82,000
Florence, SC 13 $ 1,329,000 $ 102,230 $ 54,000
Jonesboro, AR 13 $ 1,277,000 $ 98,230 $ 61,000
San Diego, CA 13 $ 2,961,000 $ 227,769 $ 70,000
Modesto, CA 12 $ 2,196,000 $ 183,000 $ 49,000
Racine, WI 12 $ 860,000 $ 71,666 $ 46,000
Bloomington, IN 11 $ 1,085,000 $ 98,636 $ 48,000
Great Falls, MT 11 $ 853,000 $ 77,545 $ 50,000
Lewiston-Auburn, ME 11 $ 929,000 $ 84,454 $ 64,000
Owensboro, KY 11 $ 748,000 $ 68,000 $ 47,000
Stockton-Lodi, CA 11 $ 2,121,000 $ 192,818 $ 72,000
Terre Haute, IN 11 $ 730,000 $ 66,363 $ 51,000
Bangor, ME 10 $ 731,000 $ 73,100 $ 50,000
Rochester, MN 10 $ 1,312,000 $ 131,200 $ 73,000
San Jose, CA 10 $ 1,849,000 $ 184,900 $ 86,000
Ventura, CA 10 $ 2,026,000 $ 202,600 $ 54,000
Iowa City, IA 9 $ 960,000 $ 106,666 $ 59,000
Kenosha, WI 9 $ 668,000 $ 74,222 $ 49,000
Parkersburg-Marietta, WV-OH 9 $ 1,171,000 $ 130,111 $ 58,000
Sheboygan, WI 9 $ 840,000 $ 93,333 $ 47,000
St. Cloud, MN 9 $ 1,031,000 $ 114,555 $ 54,000
Dubuque, IA 8 $ 475,000 $ 59,375 $ 60,000
Janesville-Beloit, WI 8 $ 656,000 $ 82,000 $ 52,000
Portsmouth-Rochester, NH-ME 8 $ 1,244,000 $ 155,500 $ 80,000
San Francisco, CA 8 $ 1,951,000 $ 243,875 $ 96,000
Wausau, WI 8 $ 628,000 $ 78,500 $ 45,000
Yuba City, CA 8 $ 904,000 $ 113,000 $ 49,000
Duluth-Superior, MN-WI 7 $ 1,190,000 $ 170,000 $ 64,000
La Crosse, WI-MN 7 $ 646,000 $ 92,285 $ 41,000
Medford-Ashland, OR 7 $ 746,000 $ 106,571 $ 54,000
Nashville, TN 7 $ 950,000 $ 135,714 $ 69,000
Santa Rosa, CA 7 $ 1,310,000 $ 187,142 $ 64,000
Sumter, SC 7 $ 685,000 $ 97,857 $ 57,000
Enid, OK 6 $ 382,000 $ 63,666 $ 65,000
Pine Bluff, AR 6 $ 721,000 $ 120,166 $ 68,000
Merced, CA 5 $ 840,000 $ 168,000 $ 60,000
Redding, CA 4 $ 502,000 $ 125,500 $ 38,000
Chico-Paradise, CA 3 $ 475,000 $ 158,333 $ 48,000
Eau Claire, WI 3 $ 272,000 $ 90,666 $ 45,000
San Luis Obispo-Atascadero-Paso Robles, CA 3 $ 694,000 $ 231,333 $ 60,000
Santa Barbara-Santa Maria-Lompoc, CA 3 $ 568,000 $ 189,333 $ 36,000
Santa Cruz-Watsonville, CA 3 $ 875,000 $ 291,666 $ 86,000
Corvallis, OR 2 $ 170,000 $ 85,000 $ 44,000
Salinas, CA 2 $ 811,000 $ 405,500 $ 53,000
Vallejo-Fairfield-Napa, CA 2 $ 423,000 $ 211,500 $ 68,000
Yolo, CA 2 $ 275,000 $ 137,500 $ 33,000
Knoxville, TN 1 $ 169,000 $ 169,000 $ 82,000
Las Vegas, NV-AZ 1 $ 170,000 $ 170,000 $ 100,000
Lima, OH 1 $ 95,000 $ 95,000 $ 65,000
Odessa-Midland, TX 1 $ 90,000 $ 90,000 $ 60,000
Trenton, NJ 1 $ 35,000 $ 35,000 $ 42,000
Washington, DC-MD-VA-WV 1 $ 20,000 $ 20,000 $ 48,000

Mortgage Loan Application Detail Totals for Calusa Investments, L.L.C. in 2003

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 (home purchase or home improvement, one-to-four family) 14,404 $1,481,362,000 $95,195 $1,500,000 $56,463 $900,000
Home Improvement (one-to-four family) 0 $0 $0 $0 $0 $0
Home Purchase (one-to-four family) 0 $0 $0 $0 $0 $0
Multifamily dwelling (home purchase, home improvement, and refinancings) 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 7,418 $754,858,000 $102,212 $760,000 $58,818 $900,000
Information not provided by applicant in mail or telephone application 4,230 $427,168,000 $95,324 $1,500,000 $57,216 $840,000
Black 1,256 $135,895,000 $99,696 $580,000 $52,484 $648,000
Hispanic 876 $87,393,000 $106,677 $450,000 $56,483 $450,000
Asian or Pacific Islander 374 $48,643,000 $124,586 $533,000 $57,034 $424,000
Other 165 $19,609,000 $118,555 $732,000 $57,000 $300,000
American Indian or Alaskan Native 85 $7,796,000 $93,190 $400,000 $66,571 $366,000
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) 14,404 $1,481,362,000 $95,195 $1,500,000 $56,463 $900,000
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 5,416 $591,159,000 $99,351 $760,000 $61,405 $900,000
Application Denied By Financial Institution 4,595 $423,044,000 $92,447 $533,000 $50,947 $900,000
File Closed For Incompleteness 3,368 $376,421,000 $104,843 $1,500,000 $64,312 $900,000
Loan Originated 999 $88,128,000 $84,838 $463,000 $66,354 $319,000
Application Approved But Not Accepted 26 $2,610,000 $98,117 $252,000 $62,764 $120,000
Loan Purchased By The 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 2,048 $210,318,000 $103,718 $500,000 $40,875 $400,000
Credit History 1,627 $128,422,000 $78,411 $510,000 $57,911 $600,000
Collateral 665 $61,367,000 $87,970 $500,000 $54,147 $900,000
Employment History 167 $15,330,000 $100,833 $533,000 $30,000 $290,000
Other 64 $5,361,000 $80,407 $500,000 $55,222 $288,000
Insufficient Cash (Downpayment, Closing Cost) 14 $1,348,000 $91,100 $180,000 $60,400 $140,000
Unverifiable Information 8 $656,000 $79,571 $250,000 $19,714 $66,000
Credit Application Incomplete 2 $242,000 $121,000 $222,000 $62,500 $78,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Calusa Investments, L.L.C.'s 2003 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 Calusa Investments, L.L.C.'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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