Courtesy Mortgage Company Mortgage Lending & HMDA Data, 2005
In 2005, Courtesy Mortgage Company of San Diego, CA reported 1,753 mortgage applications totaling $431.8 million, down 15% from 2004. The average application was for $246,308, and applicants reported an average income of $59,683. 11% of its applications resulted in an originated loan and 39% were denied. Its largest markets were San Diego-Carlsbad-San Marcos, CA (610), Riverside-San Bernardino-Ontario, CA (393) and Los Angeles-Long Beach-Glendale, CA (339) (applications in parentheses).
| Mortgage Company & Address | Courtesy Mortgage Company 2615 Camino Del Rio S. Suite 200 San Diego, CA 92108 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,753 |
| Total Mortgage Loan Application Amount | $431,778,000 |
| Average Mortgage Loan Application Amount | $246,308 |
| Highest Mortgage Loan Application Amount | $1,650,000 |
| Average Applicant Income | $59,683 |
| Highest Applicant Income | $1,128,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Courtesy Mortgage Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Courtesy Mortgage Company 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 |
|---|---|---|---|---|---|---|
| Home Improvement | 1,291 | $316,518,000 | $262,000 | $1,650,000 | $56,500 | $540,000 |
| Refinancing | 420 | $102,097,000 | $229,500 | $963,000 | $45,500 | $612,000 |
| Home Purchase | 42 | $13,163,000 | $315,500 | $925,000 | $81,500 | $1,128,000 |
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 | 601 | $151,165,000 | $282,000 | $1,000,000 | $69,500 | $370,000 |
| Hispanic | 548 | $128,057,000 | $242,000 | $770,000 | $50,500 | $540,000 |
| Not Provided | 320 | $81,500,000 | $263,500 | $1,650,000 | $51,000 | $1,128,000 |
| Black or African American | 173 | $40,784,000 | $253,500 | $743,000 | $52,000 | $293,000 |
| Asian | 71 | $21,956,000 | $255,000 | $768,000 | $64,000 | $246,000 |
| Native Hawaiian or Other Pacific Islander | 27 | $5,383,000 | $238,000 | $384,000 | $51,500 | $228,000 |
| American Indian or Alaskan Native | 13 | $2,933,000 | $415,500 | $640,000 | $58,000 | $100,000 |
| 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) | 1,751 | $431,484,000 | $262,500 | $1,650,000 | $56,000 | $1,128,000 |
| FHA-insured (Federal Housing Administration) | 2 | $294,000 | $147,000 | $266,000 | $79,000 | $87,000 |
| 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 Withdrawn By Applicant | 867 | $209,515,000 | $282,000 | $1,650,000 | $64,000 | $1,128,000 |
| Application Denied By Financial Institution | 687 | $174,921,000 | $255,500 | $800,000 | $51,500 | $612,000 |
| Loan Originated | 198 | $47,163,000 | $226,000 | $963,000 | $63,000 | $306,000 |
| File Closed For Incompleteness | 1 | $179,000 | $179,000 | $179,000 | $60,000 | $60,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 History | 317 | $77,408,000 | $251,500 | $800,000 | $46,500 | $300,000 |
| Debt-To-Income Ratio | 126 | $31,655,000 | $252,500 | $690,000 | $43,500 | $293,000 |
| Collateral | 104 | $29,333,000 | $208,000 | $760,000 | $62,500 | $540,000 |
| Other | 47 | $11,173,000 | $240,500 | $610,000 | $46,500 | $240,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 19 | $4,985,000 | $262,500 | $540,000 | $59,500 | $154,000 |
| Employment History | 9 | $2,578,000 | $286,000 | $555,000 | $38,000 | $108,000 |
| Unverifiable Information | 4 | $795,000 | $232,500 | $310,000 | $29,500 | $57,000 |
| Credit Application Incomplete | 3 | $672,000 | $224,000 | $276,000 | $32,000 | $48,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Courtesy Mortgage Company'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 Courtesy Mortgage Company'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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