Countrywide Kb Home Loans Mortgage Lending & HMDA Data, 2007
In 2007, Countrywide Kb Home Loans of Los Angeles, CA reported 39,168 mortgage applications totaling $7.3 billion, down 7% from 2006. The average application was for $185,356, and applicants reported an average income of $82,078. 52% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Las Vegas-Paradise, NV (3,232), Riverside-San Bernardino-Ontario, CA (2,953) and San Antonio, TX (2,863) (applications in parentheses).
| Mortgage Company & Address | Countrywide Kb Home Loans 10990 Wilshire Blvd. 7th Flr Los Angeles, CA 90024 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2008 2007 2006 |
| Total Number of Mortgage Applications | 39,168 |
| Total Mortgage Loan Application Amount | $7,260,043,000 |
| Average Mortgage Loan Application Amount | $185,356 |
| Highest Mortgage Loan Application Amount | $2,400,000 |
| Average Applicant Income | $82,078 |
| Highest Applicant Income | $1,224,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Countrywide Kb Home Loans filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Las Vegas-Paradise, NV | 3,232 | $ 648,826,000 | $ 200,750 | $ 85,000 |
| Riverside-San Bernardino-Ontario, CA | 2,953 | $ 828,041,000 | $ 280,406 | $ 116,000 |
| San Antonio, TX | 2,863 | $ 363,575,000 | $ 126,990 | $ 70,000 |
| Houston-Sugar Land-Baytown, TX | 2,843 | $ 297,259,000 | $ 104,558 | $ 59,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2,577 | $ 429,283,000 | $ 166,582 | $ 68,000 |
| Orlando-Kissimmee, FL | 2,254 | $ 458,705,000 | $ 203,507 | $ 86,000 |
| Austin-Round Rock, TX | 1,829 | $ 248,588,000 | $ 135,914 | $ 73,000 |
| Jacksonville, FL | 1,658 | $ 286,157,000 | $ 172,591 | $ 68,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1,442 | $ 241,352,000 | $ 167,373 | $ 71,000 |
| Tucson, AZ | 1,334 | $ 233,570,000 | $ 175,089 | $ 70,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1,323 | $ 200,697,000 | $ 151,698 | $ 71,000 |
| Los Angeles-Long Beach-Glendale, CA | 1,316 | $ 345,105,000 | $ 262,237 | $ 100,000 |
| Raleigh-Cary, NC | 1,232 | $ 196,062,000 | $ 159,141 | $ 79,000 |
| Charlotte-Gastonia-Concord, NC-SC | 1,097 | $ 165,950,000 | $ 151,276 | $ 71,590 |
| Dallas-Plano-Irving, TX | 1,096 | $ 133,934,000 | $ 122,202 | $ 73,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 873 | $ 349,839,000 | $ 400,731 | $ 134,000 |
| Denver-Aurora, CO | 827 | $ 116,633,000 | $ 141,031 | $ 77,000 |
| Oakland-Fremont-Hayward, CA | 655 | $ 243,645,000 | $ 371,977 | $ 129,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 617 | $ 137,239,000 | $ 222,429 | $ 98,000 |
| Albuquerque, NM | 555 | $ 88,744,000 | $ 159,899 | $ 75,000 |
| Charleston-North Charleston, SC | 530 | $ 87,836,000 | $ 165,728 | $ 72,000 |
| Indianapolis-Carmel, IN | 431 | $ 53,768,000 | $ 124,751 | $ 80,000 |
| Columbia, SC | 326 | $ 50,605,000 | $ 155,230 | $ 77,000 |
| Fort Worth-Arlington, TX | 313 | $ 35,694,000 | $ 114,038 | $ 72,000 |
| Lakeland, FL | 312 | $ 64,840,000 | $ 207,820 | $ 83,000 |
| Reno-Sparks, NV | 295 | $ 71,793,000 | $ 243,366 | $ 105,000 |
| Fresno, CA | 269 | $ 60,481,000 | $ 224,836 | $ 71,000 |
| Bakersfield, CA | 261 | $ 51,899,000 | $ 198,846 | $ 88,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 253 | $ 49,085,000 | $ 194,011 | $ 85,000 |
| Yuba City, CA | 248 | $ 46,546,000 | $ 187,685 | $ 82,000 |
| Cape Coral-Fort Myers, FL | 239 | $ 42,143,000 | $ 176,330 | $ 69,000 |
| Chicago-Naperville-Joliet, IL | 214 | $ 52,940,000 | $ 247,383 | $ 96,000 |
| McAllen-Edinburg-Mission, TX | 210 | $ 22,664,000 | $ 107,923 | $ 73,000 |
| Durham, NC | 197 | $ 30,973,000 | $ 157,223 | $ 67,000 |
| Sarasota-Bradenton-Venice, FL | 184 | $ 27,668,000 | $ 150,369 | $ 80,000 |
| Santa Ana-Anaheim-Irvine, CA | 182 | $ 79,555,000 | $ 437,115 | $ 183,000 |
| Greeley, CO | 175 | $ 20,669,000 | $ 118,108 | $ 59,000 |
| Stockton, CA | 172 | $ 44,865,000 | $ 260,843 | $ 98,000 |
| San Diego-Carlsbad-San Marcos, CA | 157 | $ 56,032,000 | $ 356,891 | $ 127,000 |
| Merced, CA | 105 | $ 24,279,000 | $ 231,228 | $ 86,000 |
| Baton Rouge, LA | 100 | $ 16,255,000 | $ 162,550 | $ 71,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 99 | $ 35,063,000 | $ 354,171 | $ 150,161 |
| Sebastian-Vero Beach, FL | 85 | $ 13,665,000 | $ 160,764 | $ 161,000 |
| Killeen-Temple-Fort Hood, TX | 84 | $ 12,133,000 | $ 144,440 | $ 68,000 |
| Madera, CA | 83 | $ 16,566,000 | $ 199,590 | $ 68,000 |
| Lake County-Kenosha County, IL-WI | 75 | $ 17,019,000 | $ 226,920 | $ 89,000 |
| Colorado Springs, CO | 71 | $ 10,429,000 | $ 146,887 | $ 60,000 |
| Punta Gorda, FL | 71 | $ 11,110,000 | $ 156,478 | $ 85,000 |
| New Orleans-Metairie-Kenner, LA | 60 | $ 10,367,000 | $ 172,783 | $ 114,000 |
| Bethesda-Gaithersburg-Frederick, MD | 46 | $ 11,309,000 | $ 245,847 | $ 108,000 |
| Palm Coast, FL | 44 | $ 7,699,000 | $ 174,977 | $ 80,000 |
| El Centro, CA | 34 | $ 8,119,000 | $ 238,794 | $ 86,000 |
| Palm Bay-Melbourne-Titusville, FL | 33 | $ 5,032,000 | $ 152,484 | $ 71,000 |
| Port St. Lucie, FL | 22 | $ 3,732,000 | $ 169,636 | $ 56,000 |
| Spartanburg, SC | 21 | $ 2,624,000 | $ 124,952 | $ 82,000 |
| Greenville-Mauldin-Easley, SC | 18 | $ 2,060,000 | $ 114,444 | $ 56,000 |
| Modesto, CA | 6 | $ 1,438,000 | $ 239,666 | $ 93,000 |
| Lake Havasu City-Kingman, AZ | 3 | $ 315,000 | $ 105,000 | $ 29,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 787,000 | $ 262,333 | $ 56,000 |
| Brownsville-Harlingen, TX | 2 | $ 1,350,000 | $ 675,000 | $ 752,000 |
| Chico, CA | 2 | $ 531,000 | $ 265,500 | $ 69,000 |
| Salinas, CA | 2 | $ 166,000 | $ 83,000 | $ 75,000 |
| Amarillo, TX | 1 | $ 129,000 | $ 129,000 | $ 38,000 |
| Anderson, SC | 1 | $ 126,000 | $ 126,000 | $ 30,000 |
| Corpus Christi, TX | 1 | $ 116,000 | $ 116,000 | $ 61,000 |
| Gainesville, GA | 1 | $ 768,000 | $ 768,000 | $ 600,000 |
| Hanford-Corcoran, CA | 1 | $ 202,000 | $ 202,000 | $ 38,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 78,000 | $ 78,000 | $ 44,000 |
| Louisville-Jefferson County, KY-IN | 1 | $ 106,000 | $ 106,000 | $ 70,000 |
| Lubbock, TX | 1 | $ 52,000 | $ 52,000 | $ 45,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 16,000 | $ 16,000 | $ 116,000 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 160,000 | $ 160,000 | $ 180,000 |
| Pueblo, CO | 1 | $ 167,000 | $ 167,000 | $ 84,000 |
| Sherman-Denison, TX | 1 | $ 130,000 | $ 130,000 | $ 65,000 |
| Tulsa, OK | 1 | $ 158,000 | $ 158,000 | $ 138,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 103,000 | $ 103,000 | $ 42,000 |
Mortgage Loan Application Detail Totals for Countrywide Kb Home Loans in 2007
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 | 39,062 | $7,235,578,000 | $185,000 | $2,400,000 | $82,000 | $1,224,000 |
| Refinancing | 100 | $23,523,000 | $235,000 | $850,000 | $111,000 | $1,200,000 |
| Home Improvement | 6 | $942,000 | $157,000 | $320,000 | $110,000 | $166,000 |
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 | 14,156 | $2,500,421,000 | $176,000 | $1,263,000 | $85,000 | $1,200,000 |
| Not Provided | 9,749 | $1,896,051,000 | $194,000 | $2,400,000 | $83,000 | $1,200,000 |
| Hispanic | 8,565 | $1,475,704,000 | $172,000 | $1,164,000 | $71,000 | $1,224,000 |
| Black or African American | 3,126 | $526,971,000 | $168,000 | $895,000 | $70,000 | $600,000 |
| Asian | 3,089 | $759,358,000 | $245,000 | $1,000,000 | $106,000 | $1,000,000 |
| Native Hawaiian or Other Pacific Islander | 343 | $74,636,000 | $217,000 | $1,000,000 | $92,000 | $720,000 |
| American Indian or Alaskan Native | 140 | $26,902,000 | $192,000 | $612,000 | $91,000 | $392,000 |
| 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) | 33,484 | $6,238,914,000 | $186,000 | $2,400,000 | $85,000 | $1,224,000 |
| FHA-insured (Federal Housing Administration) | 3,780 | $637,527,000 | $168,000 | $390,000 | $63,000 | $492,000 |
| VA-guaranteed (Veterans Administration) | 1,805 | $366,225,000 | $202,000 | $476,000 | $68,000 | $244,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 99 | $17,377,000 | $175,000 | $281,000 | $50,000 | $118,000 |
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 | 20,415 | $3,809,278,000 | $186,000 | $1,263,000 | $86,000 | $1,200,000 |
| Application Withdrawn By Applicant | 10,136 | $1,862,518,000 | $183,000 | $2,400,000 | $81,000 | $1,224,000 |
| Application Denied By Financial Institution | 6,108 | $1,085,868,000 | $177,000 | $1,000,000 | $73,000 | $1,200,000 |
| Application Approved But Not Accepted | 2,122 | $417,953,000 | $196,000 | $908,000 | $80,000 | $540,000 |
| File Closed For Incompleteness | 230 | $55,575,000 | $241,000 | $1,000,000 | $103,000 | $480,000 |
| Preapproval Denied by Financial Institution | 157 | $28,851,000 | $183,000 | $480,000 | $74,000 | $216,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 | 1,721 | $216,699,000 | $125,000 | $600,000 | $67,000 | $1,200,000 |
| Debt-To-Income Ratio | 1,417 | $272,405,000 | $192,000 | $768,000 | $64,000 | $478,000 |
| Other | 1,377 | $263,822,000 | $191,000 | $896,000 | $82,000 | $848,000 |
| Credit History | 603 | $120,210,000 | $199,000 | $894,000 | $76,000 | $540,000 |
| Unverifiable Information | 511 | $103,564,000 | $202,000 | $1,000,000 | $78,000 | $484,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 385 | $86,595,000 | $224,000 | $868,000 | $87,000 | $710,000 |
| Employment History | 185 | $36,491,000 | $197,000 | $621,000 | $78,000 | $360,000 |
| Collateral | 47 | $10,342,000 | $220,000 | $631,000 | $84,000 | $233,000 |
| Mortgage Insurance Denied | 19 | $4,591,000 | $241,000 | $714,000 | $54,000 | $150,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Countrywide Kb Home Loans's 2007 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 Countrywide Kb 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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