Crossline Capital, Inc. Mortgage Lending & HMDA Data, 2014
In 2014, Crossline Capital, Inc. of Lake Forest, CA reported 2,229 mortgage applications totaling $644.5 million, about the same as 2013. The average application was for $289,153, and applicants reported an average income of $92,873. 87% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (734), Riverside-San Bernardino-Ontario, CA (309) and Oxnard-Thousand Oaks-Ventura, CA (265) (applications in parentheses).
| Mortgage Company & Address | Crossline Capital, Inc. 25520 Commercentre Drive, 2nd Floor Lake Forest, CA 92630 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2014 2013 |
| Total Number of Mortgage Applications | 2,229 |
| Total Mortgage Loan Application Amount | $644,524,000 |
| Average Mortgage Loan Application Amount | $289,153 |
| Highest Mortgage Loan Application Amount | $862,000 |
| Average Applicant Income | $92,873 |
| Highest Applicant Income | $975,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Crossline Capital, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 734 | $ 236,816,000 | $ 322,637 | $ 93,000 |
| Riverside-San Bernardino-Ontario, CA | 309 | $ 75,468,000 | $ 244,233 | $ 78,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 265 | $ 91,850,000 | $ 346,603 | $ 106,000 |
| Houston-The Woodlands-Sugar Land, TX | 123 | $ 17,307,000 | $ 140,707 | $ 97,000 |
| Anaheim-Santa Ana-Irvine, CA | 107 | $ 39,048,000 | $ 364,934 | $ 118,000 |
| Phoenix-Mesa-Scottsdale, AZ | 64 | $ 14,804,000 | $ 231,312 | $ 102,000 |
| Santa Maria-Santa Barbara, CA | 61 | $ 16,053,000 | $ 263,163 | $ 108,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 40 | $ 12,262,000 | $ 306,550 | $ 101,000 |
| Denver-Aurora-Lakewood, CO | 37 | $ 10,434,000 | $ 282,000 | $ 68,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 31 | $ 8,559,000 | $ 276,096 | $ 95,000 |
| San Diego-Carlsbad, CA | 30 | $ 10,948,000 | $ 364,933 | $ 138,000 |
| Dallas-Plano-Irving, TX | 25 | $ 4,379,000 | $ 175,160 | $ 77,000 |
| Atlanta-Sandy Springs-Roswell, GA | 24 | $ 5,054,000 | $ 210,583 | $ 75,000 |
| Oakland-Hayward-Berkeley, CA | 24 | $ 9,491,000 | $ 395,458 | $ 103,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 21 | $ 7,980,000 | $ 380,000 | $ 96,619 |
| Austin-Round Rock, TX | 16 | $ 3,934,000 | $ 245,875 | $ 72,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 15 | $ 3,782,000 | $ 252,133 | $ 80,733 |
| Seattle-Bellevue-Everett, WA | 15 | $ 4,860,000 | $ 324,000 | $ 116,000 |
| Colorado Springs, CO | 14 | $ 4,068,000 | $ 290,571 | $ 70,000 |
| Fort Worth-Arlington, TX | 12 | $ 1,930,000 | $ 160,833 | $ 91,000 |
| San Antonio-New Braunfels, TX | 11 | $ 2,267,000 | $ 206,090 | $ 83,000 |
| San Francisco-Redwood City-South San Francisco, CA | 10 | $ 3,867,000 | $ 386,700 | $ 128,000 |
| Bakersfield, CA | 9 | $ 1,286,000 | $ 142,888 | $ 69,000 |
| Ogden-Clearfield, UT | 8 | $ 2,000,000 | $ 250,000 | $ 106,000 |
| Baltimore-Columbia-Towson, MD | 7 | $ 2,099,000 | $ 299,857 | $ 55,000 |
| Salt Lake City, UT | 7 | $ 1,765,000 | $ 252,142 | $ 96,000 |
| Santa Rosa, CA | 7 | $ 2,421,000 | $ 345,857 | $ 66,000 |
| Vallejo-Fairfield, CA | 7 | $ 2,080,000 | $ 297,142 | $ 132,000 |
| El Centro, CA | 6 | $ 780,000 | $ 130,000 | $ 59,000 |
| Napa, CA | 6 | $ 1,952,000 | $ 325,333 | $ 100,000 |
| Odessa, TX | 6 | $ 841,000 | $ 140,166 | $ 65,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 6 | $ 2,904,000 | $ 484,000 | $ 119,000 |
| Stockton-Lodi, CA | 6 | $ 1,348,000 | $ 224,666 | $ 76,000 |
| Fort Collins, CO | 5 | $ 1,188,000 | $ 237,600 | $ 72,000 |
| Montgomery County-Bucks County-Chester County, PA | 5 | $ 1,484,000 | $ 296,800 | $ 105,000 |
| Richmond, VA | 5 | $ 1,460,000 | $ 292,000 | $ 77,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 5 | $ 1,466,000 | $ 293,200 | $ 35,000 |
| Charlotte-Concord-Gastonia, NC-SC | 4 | $ 799,000 | $ 199,750 | $ 33,000 |
| Fresno, CA | 4 | $ 706,000 | $ 176,500 | $ 107,000 |
| Lake Havasu City-Kingman, AZ | 4 | $ 973,000 | $ 243,250 | $ 81,000 |
| Raleigh, NC | 4 | $ 665,000 | $ 166,250 | $ 77,000 |
| Redding, CA | 4 | $ 677,000 | $ 169,250 | $ 62,000 |
| Tacoma-Lakewood, WA | 4 | $ 1,091,000 | $ 272,750 | $ 78,000 |
| Boulder, CO | 3 | $ 870,000 | $ 290,000 | $ 69,000 |
| Greeley, CO | 3 | $ 775,000 | $ 258,333 | $ 139,000 |
| Midland, TX | 3 | $ 369,000 | $ 123,000 | $ 43,000 |
| Modesto, CA | 3 | $ 690,000 | $ 230,000 | $ 90,000 |
| Orlando-Kissimmee-Sanford, FL | 3 | $ 740,000 | $ 246,666 | $ 0 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 437,000 | $ 145,666 | $ 35,000 |
| Salem, OR | 3 | $ 718,000 | $ 239,333 | $ 92,000 |
| Santa Cruz-Watsonville, CA | 3 | $ 1,125,000 | $ 375,000 | $ 70,000 |
| Tucson, AZ | 3 | $ 1,005,000 | $ 335,000 | $ 59,000 |
| Visalia-Porterville, CA | 3 | $ 723,000 | $ 241,000 | $ 96,000 |
| Bend-Redmond, OR | 2 | $ 895,000 | $ 447,500 | $ 87,000 |
| Chico, CA | 2 | $ 359,000 | $ 179,500 | $ 110,000 |
| Corpus Christi, TX | 2 | $ 209,000 | $ 104,500 | $ 164,000 |
| Greensboro-High Point, NC | 2 | $ 338,000 | $ 169,000 | $ 0 |
| Jacksonville, NC | 2 | $ 351,000 | $ 175,500 | $ 0 |
| Macon, GA | 2 | $ 412,000 | $ 206,000 | $ 82,000 |
| Madera, CA | 2 | $ 480,000 | $ 240,000 | $ 71,000 |
| Pueblo, CO | 2 | $ 535,000 | $ 267,500 | $ 119,000 |
| Salinas, CA | 2 | $ 816,000 | $ 408,000 | $ 103,000 |
| Waco, TX | 2 | $ 451,000 | $ 225,500 | $ 67,000 |
| Asheville, NC | 1 | $ 123,000 | $ 123,000 | $ 41,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 226,000 | $ 226,000 | $ 0 |
| Beaumont-Port Arthur, TX | 1 | $ 89,000 | $ 89,000 | $ 86,000 |
| Bellingham, WA | 1 | $ 350,000 | $ 350,000 | $ 79,000 |
| Bremerton-Silverdale, WA | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Brunswick, GA | 1 | $ 198,000 | $ 198,000 | $ 0 |
| Burlington, NC | 1 | $ 195,000 | $ 195,000 | $ 59,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 251,000 | $ 251,000 | $ 52,000 |
| College Station-Bryan, TX | 1 | $ 307,000 | $ 307,000 | $ 0 |
| Dalton, GA | 1 | $ 191,000 | $ 191,000 | $ 80,000 |
| Fayetteville, NC | 1 | $ 205,000 | $ 205,000 | $ 59,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 374,000 | $ 374,000 | $ 189,000 |
| Grand Junction, CO | 1 | $ 182,000 | $ 182,000 | $ 57,000 |
| Hanford-Corcoran, CA | 1 | $ 241,000 | $ 241,000 | $ 61,000 |
| Jacksonville, FL | 1 | $ 202,000 | $ 202,000 | $ 0 |
| Lancaster, PA | 1 | $ 182,000 | $ 182,000 | $ 137,000 |
| Longview, WA | 1 | $ 285,000 | $ 285,000 | $ 169,000 |
| Lynchburg, VA | 1 | $ 244,000 | $ 244,000 | $ 32,000 |
| Merced, CA | 1 | $ 168,000 | $ 168,000 | $ 38,000 |
| Olympia-Tumwater, WA | 1 | $ 336,000 | $ 336,000 | $ 86,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 276,000 | $ 276,000 | $ 0 |
| Panama City, FL | 1 | $ 304,000 | $ 304,000 | $ 0 |
| Philadelphia, PA | 1 | $ 368,000 | $ 368,000 | $ 106,000 |
| Port St. Lucie, FL | 1 | $ 189,000 | $ 189,000 | $ 0 |
| Prescott, AZ | 1 | $ 203,000 | $ 203,000 | $ 122,000 |
| Punta Gorda, FL | 1 | $ 217,000 | $ 217,000 | $ 44,000 |
| Reading, PA | 1 | $ 171,000 | $ 171,000 | $ 97,000 |
| Rockingham County-Strafford County, NH | 1 | $ 116,000 | $ 116,000 | $ 48,000 |
| Savannah, GA | 1 | $ 213,000 | $ 213,000 | $ 0 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 315,000 | $ 315,000 | $ 155,000 |
| Sierra Vista-Douglas, AZ | 1 | $ 272,000 | $ 272,000 | $ 58,000 |
| Silver Spring-Frederick-Rockville, MD | 1 | $ 245,000 | $ 245,000 | $ 141,000 |
| Spokane-Spokane Valley, WA | 1 | $ 196,000 | $ 196,000 | $ 142,000 |
| Springfield, MA | 1 | $ 267,000 | $ 267,000 | $ 106,000 |
| Walla Walla, WA | 1 | $ 304,000 | $ 304,000 | $ 257,000 |
| Warner Robins, GA | 1 | $ 228,000 | $ 228,000 | $ 0 |
| Wilmington, NC | 1 | $ 132,000 | $ 132,000 | $ 0 |
| Winston-Salem, NC | 1 | $ 249,000 | $ 249,000 | $ 0 |
| Yuba City, CA | 1 | $ 208,000 | $ 208,000 | $ 65,000 |
| Yuma, AZ | 1 | $ 180,000 | $ 180,000 | $ 81,000 |
Mortgage Loan Application Detail Totals for Crossline Capital, Inc. in 2014
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 | 1,234 | $357,895,000 | $290,000 | $862,000 | $92,000 | $925,000 |
| Refinancing | 993 | $286,265,000 | $288,000 | $854,000 | $94,000 | $975,000 |
| Home Improvement | 2 | $364,000 | $182,000 | $286,000 | $72,000 | $74,000 |
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 Provided | 779 | $232,968,000 | $299,000 | $854,000 | $95,000 | $975,000 |
| Hispanic | 724 | $200,883,000 | $277,000 | $862,000 | $78,000 | $975,000 |
| White | 565 | $160,203,000 | $283,000 | $800,000 | $104,000 | $925,000 |
| Asian | 95 | $31,775,000 | $334,000 | $626,000 | $122,000 | $606,000 |
| Black or African American | 54 | $15,027,000 | $278,000 | $600,000 | $91,000 | $257,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $2,398,000 | $342,000 | $549,000 | $114,000 | $186,000 |
| American Indian or Alaskan Native | 5 | $1,270,000 | $254,000 | $364,000 | $55,000 | $67,000 |
| 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) | 1,340 | $380,543,000 | $283,000 | $800,000 | $107,000 | $975,000 |
| FHA-insured (Federal Housing Administration) | 664 | $195,159,000 | $293,000 | $862,000 | $77,000 | $317,000 |
| VA-guaranteed (Veterans Administration) | 211 | $66,885,000 | $316,000 | $854,000 | $59,000 | $257,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $1,937,000 | $138,000 | $327,000 | $44,000 | $80,000 |
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 | 1,929 | $558,814,000 | $289,000 | $862,000 | $94,000 | $975,000 |
| Application Withdrawn By Applicant | 181 | $50,679,000 | $279,000 | $626,000 | $86,000 | $604,000 |
| Application Denied By Financial Institution | 94 | $27,260,000 | $290,000 | $800,000 | $87,000 | $686,000 |
| Application Approved But Not Accepted | 15 | $4,793,000 | $319,000 | $550,000 | $98,000 | $244,000 |
| File Closed For Incompleteness | 10 | $2,978,000 | $297,000 | $609,000 | $96,000 | $226,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 8 | $1,916,000 | $239,000 | $413,000 | $74,000 | $204,000 |
| Credit History | 4 | $1,094,000 | $273,000 | $417,000 | $86,000 | $184,000 |
| Collateral | 3 | $590,000 | $196,000 | $263,000 | $97,000 | $146,000 |
| Other | 2 | $543,000 | $271,000 | $280,000 | $183,000 | $330,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 Crossline Capital, Inc.'s 2014 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 Crossline Capital, Inc.'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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