Clara Mortgage Lending & HMDA Data, 2017
In 2017, Clara of San Francisco, CA reported 902 mortgage applications totaling $0. The average application was for $0, and applicants reported an average income of $8,978,227. 42% of its applications resulted in an originated loan and 54% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (199), Riverside-San Bernardino-Ontario, CA (143) and Sacramento--Roseville--Arden-Arcade, CA (86) (applications in parentheses).
| Mortgage Company & Address | Clara 222 Sutter Street 8fl San Francisco, CA 94108 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2017 |
| Total Number of Mortgage Applications | 902 |
| Total Mortgage Loan Application Amount | $0 |
| Average Mortgage Loan Application Amount | $0 |
| Highest Mortgage Loan Application Amount | $0 |
| Average Applicant Income | $8,978,227 |
| Highest Applicant Income | $92,966,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Clara filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Los Angeles, California | 200 | $ 0 | $ 0 | $ 9,468,000 |
| Riverside, California | 86 | $ 0 | $ 0 | $ 7,587,000 |
| San Diego, California | 66 | $ 0 | $ 0 | $ 8,604,000 |
| San Bernardino, California | 58 | $ 0 | $ 0 | $ 7,263,000 |
| Sacramento, California | 57 | $ 0 | $ 0 | $ 8,279,000 |
| Orange, California | 55 | $ 0 | $ 0 | $ 10,037,000 |
| Alameda, California | 41 | $ 0 | $ 0 | $ 9,093,000 |
| Contra Costa, California | 37 | $ 0 | $ 0 | $ 9,944,000 |
| San Francisco, California | 26 | $ 0 | $ 0 | $ 10,910,000 |
| Santa Clara, California | 26 | $ 0 | $ 0 | $ 10,627,000 |
| Ventura, California | 21 | $ 0 | $ 0 | $ 9,697,000 |
| Fresno, California | 20 | $ 0 | $ 0 | $ 9,323,000 |
| San Joaquin, California | 19 | $ 0 | $ 0 | $ 7,609,000 |
| Placer, California | 16 | $ 0 | $ 0 | $ 9,641,000 |
| Solano, California | 15 | $ 0 | $ 0 | $ 7,823,000 |
| Kern, California | 13 | $ 0 | $ 0 | $ 8,195,000 |
| Stanislaus, California | 12 | $ 0 | $ 0 | $ 5,913,000 |
| Tulare, California | 10 | $ 0 | $ 0 | $ 6,985,000 |
| El Dorado, California | 8 | $ 0 | $ 0 | $ 9,554,000 |
| San Mateo, California | 8 | $ 0 | $ 0 | $ 14,160,000 |
| Sonoma, California | 8 | $ 0 | $ 0 | $ 7,692,000 |
| San Luis Obispo, California | 7 | $ 0 | $ 0 | $ 18,968,000 |
| Calaveras, California | 6 | $ 0 | $ 0 | $ 7,725,000 |
| Monterey, California | 6 | $ 0 | $ 0 | $ 6,231,000 |
| Santa Barbara, California | 6 | $ 0 | $ 0 | $ 7,524,000 |
| Napa, California | 5 | $ 0 | $ 0 | $ 10,762,000 |
| Yolo, California | 5 | $ 0 | $ 0 | $ 12,652,000 |
| Butte, California | 4 | $ 0 | $ 0 | $ 6,091,000 |
| Tehama, California | 4 | $ 0 | $ 0 | $ 7,714,000 |
| Tuolumne, California | 4 | $ 0 | $ 0 | $ 8,073,000 |
| Amador, California | 3 | $ 0 | $ 0 | $ 8,018,000 |
| Humboldt, California | 3 | $ 0 | $ 0 | $ 4,306,000 |
| Imperial, California | 3 | $ 0 | $ 0 | $ 13,954,000 |
| Lake, California | 3 | $ 0 | $ 0 | $ 3,832,000 |
| Mendocino, California | 3 | $ 0 | $ 0 | $ 5,619,000 |
| Merced, California | 3 | $ 0 | $ 0 | $ 9,137,000 |
| Siskiyou, California | 3 | $ 0 | $ 0 | $ 10,790,000 |
| Del Norte, California | 2 | $ 0 | $ 0 | $ 7,441,000 |
| Marin, California | 2 | $ 0 | $ 0 | $ 22,120,000 |
| Sutter, California | 2 | $ 0 | $ 0 | $ 5,312,000 |
| Colusa, California | 1 | $ 0 | $ 0 | $ 16,147,000 |
| Inyo, California | 1 | $ 0 | $ 0 | $ 17,333,000 |
| Madera, California | 1 | $ 0 | $ 0 | $ 15,935,000 |
| Mono, California | 1 | $ 0 | $ 0 | $ 601,000 |
| Nevada, California | 1 | $ 0 | $ 0 | $ 7,718,000 |
| Santa Cruz, California | 1 | $ 0 | $ 0 | $ 10,374,000 |
| Shasta, California | 1 | $ 0 | $ 0 | $ 7,608,000 |
| Yuba, California | 1 | $ 0 | $ 0 | $ 6,997,000 |
Mortgage Loan Application Detail Totals for Clara 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 | 817 | $0 | $0 | $0 | $8,673,000 | $62,500,000 |
| Home Purchase | 85 | $0 | $0 | $0 | $11,912,000 | $92,966,000 |
| 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 | 377 | $0 | $0 | $0 | $9,236,000 | $92,966,000 |
| Not Provided | 263 | $0 | $0 | $0 | $9,146,000 | $33,391,000 |
| Hispanic | 135 | $0 | $0 | $0 | $7,647,000 | $30,732,000 |
| Asian | 91 | $0 | $0 | $0 | $9,862,000 | $28,428,000 |
| Black or African American | 21 | $0 | $0 | $0 | $7,894,000 | $17,520,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $0 | $0 | $0 | $7,552,000 | $15,501,000 |
| American Indian or Alaskan Native | 7 | $0 | $0 | $0 | $7,838,000 | $15,665,000 |
| 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) | 902 | $0 | $0 | $0 | $8,978,000 | $92,966,000 |
| 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 Denied By Financial Institution | 483 | $0 | $0 | $0 | $8,143,000 | $62,500,000 |
| Loan Originated | 377 | $0 | $0 | $0 | $10,167,000 | $92,966,000 |
| Preapproval Denied by Financial Institution | 16 | $0 | $0 | $0 | $6,899,000 | $16,172,000 |
| Application Withdrawn By Applicant | 12 | $0 | $0 | $0 | $8,664,000 | $33,333,000 |
| Application Approved But Not Accepted | 9 | $0 | $0 | $0 | $8,377,000 | $14,879,000 |
| Preapproval Approved but not Accepted | 5 | $0 | $0 | $0 | $8,460,000 | $11,645,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit Application Incomplete | 300 | $0 | $0 | $0 | $8,571,000 | $62,500,000 |
| Debt-To-Income Ratio | 97 | $0 | $0 | $0 | $5,332,000 | $17,446,000 |
| Collateral | 30 | $0 | $0 | $0 | $10,431,000 | $26,729,000 |
| Credit History | 28 | $0 | $0 | $0 | $8,511,000 | $18,750,000 |
| Unverifiable Information | 19 | $0 | $0 | $0 | $9,191,000 | $27,470,000 |
| Other | 12 | $0 | $0 | $0 | $9,048,000 | $20,817,000 |
| Employment History | 8 | $0 | $0 | $0 | $8,214,000 | $15,833,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $0 | $0 | $0 | $10,921,000 | $15,831,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Clara'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 Clara'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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