Commercial Capital Bank Mortgage Lending & HMDA Data, 2005
In 2005, Commercial Capital Bank of Irvine, CA reported 1,224 mortgage applications totaling $1.9 billion, down 31% from 2004. The average application was for $1,521,378, and applicants reported an average income of $342,488. 73% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (650), San Diego-Carlsbad-San Marcos, CA (186) and Santa Ana-Anaheim-Irvine, CA (162) (applications in parentheses).
| Mortgage Company & Address | Commercial Capital Bank 8105 Irvine Center Dr 1500 Irvine, CA 92618 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,224 |
| Total Mortgage Loan Application Amount | $1,862,167,000 |
| Average Mortgage Loan Application Amount | $1,521,378 |
| Highest Mortgage Loan Application Amount | $18,500,000 |
| Average Applicant Income | $342,488 |
| Highest Applicant Income | $5,842,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Commercial Capital Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 650 | $ 995,689,000 | $ 1,531,829 | $ 307,000 |
| San Diego-Carlsbad-San Marcos, CA | 186 | $ 241,742,000 | $ 1,299,688 | $ 388,000 |
| Santa Ana-Anaheim-Irvine, CA | 162 | $ 237,917,000 | $ 1,468,623 | $ 412,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 59 | $ 85,048,000 | $ 1,441,491 | $ 457,000 |
| Oakland-Fremont-Hayward, CA | 45 | $ 82,619,000 | $ 1,835,977 | $ 154,000 |
| Riverside-San Bernardino-Ontario, CA | 31 | $ 38,199,000 | $ 1,232,225 | $ 224,000 |
| San Francisco-San Mateo-Redwood City, CA | 29 | $ 63,291,000 | $ 2,182,448 | $ 368,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 26 | $ 47,444,000 | $ 1,824,769 | $ 374,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 7 | $ 11,918,000 | $ 1,702,571 | $ 471,000 |
| Phoenix-Mesa-Scottsdale, AZ | 5 | $ 11,854,000 | $ 2,370,800 | $ 0 |
| Carson City, NV | 3 | $ 4,200,000 | $ 1,400,000 | $ 0 |
| Las Vegas-Paradise, NV | 3 | $ 19,171,000 | $ 6,390,333 | $ 0 |
| Salinas, CA | 2 | $ 2,501,000 | $ 1,250,500 | $ 360,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 1,309,000 | $ 654,500 | $ 168,000 |
| Santa Rosa-Petaluma, CA | 2 | $ 1,010,000 | $ 505,000 | $ 0 |
| Bremerton-Silverdale, WA | 1 | $ 1,350,000 | $ 1,350,000 | $ 0 |
| Chico, CA | 1 | $ 380,000 | $ 380,000 | $ 0 |
| Fresno, CA | 1 | $ 1,370,000 | $ 1,370,000 | $ 0 |
| Hanford-Corcoran, CA | 1 | $ 3,100,000 | $ 3,100,000 | $ 0 |
| Madera, CA | 1 | $ 1,100,000 | $ 1,100,000 | $ 0 |
| Merced, CA | 1 | $ 1,050,000 | $ 1,050,000 | $ 0 |
| Modesto, CA | 1 | $ 2,850,000 | $ 2,850,000 | $ 0 |
| Prescott, AZ | 1 | $ 1,275,000 | $ 1,275,000 | $ 0 |
| San Luis Obispo-Paso Robles, CA | 1 | $ 950,000 | $ 950,000 | $ 0 |
| Tucson, AZ | 1 | $ 800,000 | $ 800,000 | $ 0 |
| Vallejo-Fairfield, CA | 1 | $ 1,430,000 | $ 1,430,000 | $ 0 |
Mortgage Loan Application Detail Totals for Commercial Capital Bank in 2005
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 | 616 | $904,559,000 | $1,629,250 | $15,500,000 | $83,500 | $2,222,000 |
| Home Purchase | 577 | $936,888,000 | $2,542,333 | $18,500,000 | $121,333 | $5,842,000 |
| Home Improvement | 31 | $20,720,000 | $668,000 | $1,550,000 | $284,000 | $1,320,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 574 | $1,039,322,000 | $2,323,800 | $18,500,000 | $19,800 | $2,042,000 |
| White | 520 | $684,224,000 | $1,315,000 | $6,000,000 | $460,000 | $5,842,000 |
| Hispanic | 44 | $37,423,000 | $850,000 | $2,655,000 | $279,000 | $1,480,000 |
| Not Provided | 35 | $52,757,000 | $1,507,000 | $7,000,000 | $386,000 | $1,320,000 |
| Asian | 30 | $34,637,000 | $1,154,000 | $2,550,000 | $395,000 | $1,336,000 |
| Black or African American | 16 | $9,855,000 | $615,000 | $2,500,000 | $224,000 | $655,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $3,374,000 | $843,000 | $1,892,000 | $246,000 | $600,000 |
| American Indian or Alaskan Native | 1 | $575,000 | $575,000 | $575,000 | $126,000 | $126,000 |
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) | 1,224 | $1,862,167,000 | $2,268,000 | $18,500,000 | $68,800 | $5,842,000 |
| 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 | 890 | $1,410,063,000 | $2,405,200 | $18,500,000 | $58,400 | $5,842,000 |
| Application Denied By Financial Institution | 174 | $226,690,000 | $1,400,500 | $4,340,000 | $208,500 | $2,291,000 |
| Application Withdrawn By Applicant | 58 | $81,133,000 | $2,375,000 | $7,000,000 | $130,000 | $1,440,000 |
| Application Approved But Not Accepted | 52 | $73,818,000 | $1,419,000 | $3,000,000 | $404,000 | $1,320,000 |
| File Closed For Incompleteness | 50 | $70,463,000 | $1,453,500 | $4,750,000 | $166,000 | $2,100,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 50 | $70,468,000 | $1,409,000 | $4,340,000 | $463,000 | $2,291,000 |
| Debt-To-Income Ratio | 40 | $49,387,000 | $1,234,000 | $3,575,000 | $419,000 | $1,348,000 |
| Credit History | 39 | $56,631,000 | $1,475,000 | $2,850,000 | $214,500 | $1,320,000 |
| Other | 35 | $33,623,000 | $960,000 | $1,995,000 | $316,000 | $720,000 |
| Unverifiable Information | 8 | $14,556,000 | $1,819,000 | $3,000,000 | $590,000 | $1,260,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $2,025,000 | $1,012,000 | $1,725,000 | $263,000 | $527,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Commercial Capital Bank's 2005 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 Commercial Capital Bank'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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