Clc Home Loans Mortgage Lending & HMDA Data, 2006
In 2006, Clc Home Loans of San Diego, CA reported 227 mortgage applications totaling $52.4 million. The average application was for $230,903, and applicants reported an average income of $84,674. 8% of its applications resulted in an originated loan and 81% were denied. Its largest markets were Denver-Aurora, CO (18), Orlando-Kissimmee, FL (11) and Colorado Springs, CO (9) (applications in parentheses).
| Mortgage Company & Address | Clc Home Loans 16855 West Bernardo Drive San Diego, CA 92127 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 |
| Total Number of Mortgage Applications | 227 |
| Total Mortgage Loan Application Amount | $52,415,000 |
| Average Mortgage Loan Application Amount | $230,903 |
| Highest Mortgage Loan Application Amount | $1,138,000 |
| Average Applicant Income | $84,674 |
| Highest Applicant Income | $504,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Clc Home Loans filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| El Paso, Colorado | 10 | $ 1,859,000 | $ 185,900 | $ 98,000 |
| Jefferson, Colorado | 9 | $ 2,054,000 | $ 228,222 | $ 147,000 |
| Orange, Florida | 8 | $ 1,564,000 | $ 195,500 | $ 114,000 |
| King, Washington | 8 | $ 1,758,000 | $ 219,750 | $ 102,000 |
| Los Angeles, California | 7 | $ 2,437,000 | $ 348,142 | $ 89,000 |
| Sacramento, California | 7 | $ 1,761,000 | $ 251,571 | $ 64,000 |
| San Diego, California | 7 | $ 2,388,000 | $ 341,142 | $ 111,000 |
| Pierce, Washington | 7 | $ 2,563,000 | $ 366,142 | $ 109,000 |
| Kern, California | 6 | $ 1,146,000 | $ 191,000 | $ 56,000 |
| Duval, Florida | 6 | $ 945,000 | $ 157,500 | $ 70,000 |
| Hillsborough, Florida | 6 | $ 1,073,000 | $ 178,833 | $ 56,000 |
| San Bernardino, California | 5 | $ 1,501,000 | $ 300,200 | $ 89,000 |
| Palm Beach, Florida | 5 | $ 1,266,000 | $ 253,200 | $ 83,000 |
| Clark, Washington | 5 | $ 1,322,000 | $ 264,400 | $ 58,000 |
| Spokane, Washington | 5 | $ 846,000 | $ 169,200 | $ 53,000 |
| Arapahoe, Colorado | 4 | $ 702,000 | $ 175,500 | $ 128,000 |
| Broward, Florida | 4 | $ 1,001,000 | $ 250,250 | $ 89,000 |
| Escambia, Florida | 4 | $ 422,000 | $ 105,500 | $ 42,000 |
| Osceola, Florida | 4 | $ 758,000 | $ 189,500 | $ 63,000 |
| Seminole, Florida | 4 | $ 833,000 | $ 208,250 | $ 81,000 |
| Volusia, Florida | 4 | $ 515,000 | $ 128,750 | $ 57,000 |
| Lake, California | 3 | $ 729,000 | $ 243,000 | $ 51,000 |
| Santa Clara, California | 3 | $ 1,292,000 | $ 430,666 | $ 76,000 |
| Ventura, California | 3 | $ 1,149,000 | $ 383,000 | $ 152,000 |
| Adams, Colorado | 3 | $ 617,000 | $ 205,666 | $ 57,000 |
| Mesa, Colorado | 3 | $ 767,000 | $ 255,666 | $ 93,000 |
| Lee, Florida | 3 | $ 538,000 | $ 179,333 | $ 50,000 |
| Miami-Dade, Florida | 3 | $ 1,528,000 | $ 509,333 | $ 71,000 |
| Santa Rosa, Florida | 3 | $ 595,000 | $ 198,333 | $ 71,000 |
| Grays Harbor, Washington | 3 | $ 474,000 | $ 158,000 | $ 86,000 |
| Snohomish, Washington | 3 | $ 713,000 | $ 237,666 | $ 82,000 |
| Thurston, Washington | 3 | $ 573,000 | $ 191,000 | $ 75,000 |
| Contra Costa, California | 2 | $ 892,000 | $ 446,000 | $ 123,000 |
| Marin, California | 2 | $ 621,000 | $ 310,500 | $ 113,000 |
| Orange, California | 2 | $ 1,120,000 | $ 560,000 | $ 158,000 |
| Riverside, California | 2 | $ 454,000 | $ 227,000 | $ 87,000 |
| Tulare, California | 2 | $ 387,000 | $ 193,500 | $ 54,000 |
| Boulder, Colorado | 2 | $ 355,000 | $ 177,500 | $ 46,000 |
| Garfield, Colorado | 2 | $ 226,000 | $ 113,000 | $ 59,000 |
| Highlands, Florida | 2 | $ 135,000 | $ 67,500 | $ 40,000 |
| Manatee, Florida | 2 | $ 358,000 | $ 179,000 | $ 94,000 |
| Marion, Florida | 2 | $ 319,000 | $ 159,500 | $ 74,000 |
| Pasco, Florida | 2 | $ 265,000 | $ 132,500 | $ 39,000 |
| Pinellas, Florida | 2 | $ 342,000 | $ 171,000 | $ 55,000 |
| Jackson, Missouri | 2 | $ 168,000 | $ 84,000 | $ 86,000 |
| Shelby, Tennessee | 2 | $ 130,000 | $ 65,000 | $ 82,000 |
| Benton, Washington | 2 | $ 322,000 | $ 161,000 | $ 73,000 |
| Skamania, Washington | 2 | $ 513,000 | $ 256,500 | $ 105,000 |
| Whatcom, Washington | 2 | $ 370,000 | $ 185,000 | $ 98,000 |
| Sheridan, Wyoming | 2 | $ 367,000 | $ 183,500 | $ 58,000 |
| Alameda, California | 1 | $ 585,000 | $ 585,000 | $ 100,000 |
| Fresno, California | 1 | $ 270,000 | $ 270,000 | $ 504,000 |
| Nevada, California | 1 | $ 592,000 | $ 592,000 | $ 126,000 |
| San Joaquin, California | 1 | $ 295,000 | $ 295,000 | $ 87,000 |
| San Luis Obispo, California | 1 | $ 400,000 | $ 400,000 | $ 73,000 |
| San Mateo, California | 1 | $ 200,000 | $ 200,000 | $ 36,000 |
| Solano, California | 1 | $ 220,000 | $ 220,000 | $ 85,000 |
| Sonoma, California | 1 | $ 330,000 | $ 330,000 | $ 95,000 |
| Yuba, California | 1 | $ 113,000 | $ 113,000 | $ 24,000 |
| Denver, Colorado | 1 | $ 250,000 | $ 250,000 | $ 72,000 |
| Douglas, Colorado | 1 | $ 500,000 | $ 500,000 | $ 320,000 |
| Larimer, Colorado | 1 | $ 190,000 | $ 190,000 | $ 43,000 |
| Phillips, Colorado | 1 | $ 112,000 | $ 112,000 | $ 54,000 |
| Pueblo, Colorado | 1 | $ 158,000 | $ 158,000 | $ 53,000 |
| Rio Grande, Colorado | 1 | $ 120,000 | $ 120,000 | $ 17,000 |
| Brevard, Florida | 1 | $ 210,000 | $ 210,000 | $ 54,000 |
| Citrus, Florida | 1 | $ 166,000 | $ 166,000 | $ 74,000 |
| Leon, Florida | 1 | $ 130,000 | $ 130,000 | $ 70,000 |
| Martin, Florida | 1 | $ 120,000 | $ 120,000 | $ 36,000 |
| Polk, Florida | 1 | $ 143,000 | $ 143,000 | $ 36,000 |
| Walton, Florida | 1 | $ 262,000 | $ 262,000 | $ 100,000 |
| Van Buren, Michigan | 1 | $ 104,000 | $ 104,000 | $ 12,000 |
| Douglas, Washington | 1 | $ 128,000 | $ 128,000 | $ 36,000 |
| Ferry, Washington | 1 | $ 142,000 | $ 142,000 | $ 58,000 |
| Grant, Washington | 1 | $ 145,000 | $ 145,000 | $ 34,000 |
| Jefferson, Washington | 1 | $ 228,000 | $ 228,000 | $ 80,000 |
| Walla Walla, Washington | 1 | $ 74,000 | $ 74,000 | $ 24,000 |
| Campbell, Wyoming | 1 | $ 165,000 | $ 165,000 | $ 75,000 |
| Laramie, Wyoming | 1 | $ 229,000 | $ 229,000 | $ 98,000 |
| Natrona, Wyoming | 1 | $ 152,000 | $ 152,000 | $ 160,000 |
| Sublette, Wyoming | 1 | $ 265,000 | $ 265,000 | $ 53,000 |
| Sweetwater, Wyoming | 1 | $ 195,000 | $ 195,000 | $ 64,000 |
| Uinta, Wyoming | 1 | $ 189,000 | $ 189,000 | $ 84,000 |
Mortgage Loan Application Detail Totals for Clc 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 |
|---|---|---|---|---|---|---|
| Refinancing | 146 | $35,279,000 | $241,000 | $1,138,000 | $92,000 | $504,000 |
| Home Purchase | 80 | $16,564,000 | $207,000 | $730,000 | $71,000 | $248,000 |
| Home Improvement | 1 | $572,000 | $572,000 | $572,000 | $109,000 | $109,000 |
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 | 100 | $20,559,000 | $205,000 | $620,000 | $85,000 | $500,000 |
| Not Provided | 92 | $22,857,000 | $248,000 | $1,138,000 | $86,000 | $300,000 |
| Hispanic | 21 | $5,673,000 | $270,000 | $572,000 | $86,000 | $504,000 |
| Black or African American | 10 | $1,855,000 | $185,000 | $345,000 | $76,000 | $146,000 |
| Asian | 3 | $1,247,000 | $415,000 | $730,000 | $90,000 | $125,000 |
| American Indian or Alaskan Native | 1 | $224,000 | $224,000 | $224,000 | $74,000 | $74,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 227 | $52,415,000 | $230,000 | $1,138,000 | $85,000 | $504,000 |
| 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 | 185 | $41,256,000 | $223,000 | $1,138,000 | $76,000 | $264,000 |
| Loan Originated | 18 | $4,794,000 | $266,000 | $966,000 | $110,000 | $300,000 |
| Application Approved But Not Accepted | 17 | $4,209,000 | $247,000 | $500,000 | $149,000 | $504,000 |
| Application Withdrawn By Applicant | 6 | $1,946,000 | $324,000 | $620,000 | $103,000 | $225,000 |
| File Closed For Incompleteness | 1 | $210,000 | $210,000 | $210,000 | $54,000 | $54,000 |
| 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 | 10 | $1,412,000 | $141,000 | $296,000 | $100,000 | $248,000 |
| Debt-To-Income Ratio | 9 | $1,475,000 | $163,000 | $416,000 | $70,000 | $228,000 |
| Unverifiable Information | 8 | $1,463,000 | $182,000 | $680,000 | $119,000 | $230,000 |
| Credit History | 3 | $303,000 | $101,000 | $168,000 | $50,000 | $70,000 |
| Other | 2 | $314,000 | $157,000 | $172,000 | $107,000 | $156,000 |
| Collateral | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Clc 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 Clc 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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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