Capital Pacific Home Loans Mortgage Lending & HMDA Data, 2006
In 2006, Capital Pacific Home Loans of Santa Barbara, CA reported 297 mortgage applications totaling $106.8 million. The average application was for $359,602, and applicants reported an average income of $126,693. 72% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (148), Santa Barbara-Santa Maria, CA (118) and Santa Ana-Anaheim-Irvine, CA (10) (applications in parentheses).
| Mortgage Company & Address | Capital Pacific Home Loans 4050 Calle Real, Suite 200b Santa Barbara, CA 93110 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2008 2007 2006 |
| Total Number of Mortgage Applications | 297 |
| Total Mortgage Loan Application Amount | $106,802,000 |
| Average Mortgage Loan Application Amount | $359,602 |
| Highest Mortgage Loan Application Amount | $2,100,000 |
| Average Applicant Income | $126,693 |
| Highest Applicant Income | $1,397,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Capital Pacific Home Loans filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Riverside-San Bernardino-Ontario, CA | 148 | $ 49,910,000 | $ 337,229 | $ 129,000 |
| Santa Barbara-Santa Maria, CA | 118 | $ 41,780,000 | $ 354,067 | $ 99,000 |
| Santa Ana-Anaheim-Irvine, CA | 10 | $ 6,361,000 | $ 636,100 | $ 407,000 |
| Los Angeles-Long Beach-Glendale, CA | 6 | $ 2,021,000 | $ 336,833 | $ 119,000 |
| San Luis Obispo-Paso Robles, CA | 5 | $ 2,443,000 | $ 488,600 | $ 128,000 |
| Oakland-Fremont-Hayward, CA | 2 | $ 486,000 | $ 243,000 | $ 117,000 |
| Bakersfield, CA | 1 | $ 320,000 | $ 320,000 | $ 126,000 |
| Fresno, CA | 1 | $ 350,000 | $ 350,000 | $ 138,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 422,000 | $ 422,000 | $ 106,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1 | $ 420,000 | $ 420,000 | $ 216,000 |
| San Diego-Carlsbad-San Marcos, CA | 1 | $ 900,000 | $ 900,000 | $ 214,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 800,000 | $ 800,000 | $ 210,000 |
Mortgage Loan Application Detail Totals for Capital Pacific Home Loans in 2006
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 260 | $90,190,000 | $346,000 | $2,100,000 | $118,000 | $529,000 |
| Refinancing | 28 | $10,531,000 | $376,000 | $1,000,000 | $162,000 | $1,397,000 |
| Home Improvement | 9 | $6,081,000 | $675,000 | $1,376,000 | $268,000 | $1,200,000 |
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 | 124 | $49,422,000 | $398,000 | $2,100,000 | $150,000 | $1,397,000 |
| Hispanic | 75 | $21,892,000 | $291,000 | $685,000 | $95,000 | $345,000 |
| Not Provided | 47 | $17,382,000 | $369,000 | $1,000,000 | $127,000 | $360,000 |
| Asian | 30 | $11,784,000 | $392,000 | $800,000 | $116,000 | $220,000 |
| Black or African American | 12 | $3,812,000 | $317,000 | $520,000 | $107,000 | $185,000 |
| American Indian or Alaskan Native | 7 | $1,997,000 | $285,000 | $502,000 | $144,000 | $216,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $513,000 | $256,000 | $456,000 | $132,000 | $132,000 |
| 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) | 297 | $106,802,000 | $359,000 | $2,100,000 | $127,000 | $1,397,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 213 | $75,864,000 | $356,000 | $2,100,000 | $129,000 | $1,397,000 |
| Application Withdrawn By Applicant | 46 | $17,310,000 | $376,000 | $1,000,000 | $131,000 | $338,000 |
| Application Denied By Financial Institution | 30 | $10,423,000 | $347,000 | $665,000 | $114,000 | $274,000 |
| Application Approved But Not Accepted | 6 | $2,197,000 | $366,000 | $576,000 | $101,000 | $143,000 |
| File Closed For Incompleteness | 2 | $1,008,000 | $504,000 | $528,000 | $120,000 | $240,000 |
| 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 Application Incomplete | 8 | $2,552,000 | $319,000 | $532,000 | $159,000 | $274,000 |
| Debt-To-Income Ratio | 6 | $2,061,000 | $343,000 | $665,000 | $76,000 | $126,000 |
| Credit History | 5 | $1,918,000 | $383,000 | $536,000 | $115,000 | $180,000 |
| Other | 4 | $741,000 | $185,000 | $371,000 | $108,000 | $132,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $1,311,000 | $437,000 | $548,000 | $73,000 | $128,000 |
| Employment History | 2 | $675,000 | $337,000 | $596,000 | $127,000 | $220,000 |
| Unverifiable Information | 1 | $500,000 | $500,000 | $500,000 | $96,000 | $96,000 |
| Collateral | 1 | $665,000 | $665,000 | $665,000 | $119,000 | $119,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Capital Pacific Home Loans's 2006 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 Capital Pacific Home Loans'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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with aggregated HMDA statistics today.
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