Diablo Funding Group Inc Mortgage Lending & HMDA Data, 2006
In 2006, Diablo Funding Group Inc of San Ramon, CA reported 2,918 mortgage applications totaling $882.2 million, up 32322% from 2005. The average application was for $302,320, and applicants reported an average income of $154,369. 62% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Oakland-Fremont-Hayward, CA (959), San Diego-Carlsbad-San Marcos, CA (338) and Riverside-San Bernardino-Ontario, CA (229) (applications in parentheses).
| Mortgage Company & Address | Diablo Funding Group Inc 100 Park Place Suite 200 San Ramon, CA 94583 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 |
| Total Number of Mortgage Applications | 2,918 |
| Total Mortgage Loan Application Amount | $882,172,000 |
| Average Mortgage Loan Application Amount | $302,320 |
| Highest Mortgage Loan Application Amount | $3,080,000 |
| Average Applicant Income | $154,369 |
| Highest Applicant Income | $1,872,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Diablo Funding Group Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Oakland-Fremont-Hayward, CA | 959 | $ 331,472,000 | $ 345,643 | $ 156,000 |
| San Diego-Carlsbad-San Marcos, CA | 338 | $ 110,177,000 | $ 325,967 | $ 183,000 |
| Riverside-San Bernardino-Ontario, CA | 229 | $ 54,410,000 | $ 237,598 | $ 127,000 |
| Phoenix-Mesa-Scottsdale, AZ | 112 | $ 22,734,000 | $ 202,982 | $ 131,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 103 | $ 27,608,000 | $ 268,038 | $ 123,000 |
| Vallejo-Fairfield, CA | 97 | $ 28,666,000 | $ 295,525 | $ 140,000 |
| Stockton, CA | 90 | $ 23,949,000 | $ 266,100 | $ 135,000 |
| Los Angeles-Long Beach-Glendale, CA | 89 | $ 35,700,000 | $ 401,123 | $ 188,000 |
| San Francisco-San Mateo-Redwood City, CA | 82 | $ 34,686,000 | $ 423,000 | $ 162,000 |
| Modesto, CA | 80 | $ 18,827,000 | $ 235,337 | $ 145,000 |
| Las Vegas-Paradise, NV | 75 | $ 18,214,000 | $ 242,853 | $ 139,000 |
| Reno-Sparks, NV | 62 | $ 14,660,000 | $ 236,451 | $ 135,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 52 | $ 20,436,000 | $ 393,000 | $ 211,000 |
| Santa Ana-Anaheim-Irvine, CA | 39 | $ 12,780,000 | $ 327,692 | $ 168,000 |
| Boise City-Nampa, ID | 37 | $ 5,792,000 | $ 156,540 | $ 173,000 |
| Fresno, CA | 26 | $ 4,752,000 | $ 182,769 | $ 94,000 |
| Santa Rosa-Petaluma, CA | 26 | $ 8,025,000 | $ 308,653 | $ 125,000 |
| Redding, CA | 24 | $ 5,336,000 | $ 222,333 | $ 106,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 16 | $ 6,047,000 | $ 377,937 | $ 198,000 |
| Pueblo, CO | 15 | $ 1,544,000 | $ 102,933 | $ 96,000 |
| Seattle-Bellevue-Everett, WA | 15 | $ 7,039,000 | $ 469,266 | $ 251,000 |
| Bakersfield, CA | 13 | $ 2,383,000 | $ 183,307 | $ 81,000 |
| Albuquerque, NM | 12 | $ 1,315,000 | $ 109,583 | $ 170,000 |
| Grand Junction, CO | 11 | $ 1,848,000 | $ 168,000 | $ 109,000 |
| Napa, CA | 11 | $ 6,924,000 | $ 629,454 | $ 263,000 |
| Merced, CA | 9 | $ 2,666,000 | $ 296,222 | $ 87,000 |
| Portland-Vancouver-Beaverton, OR-WA | 9 | $ 1,899,000 | $ 211,000 | $ 320,333 |
| Madera, CA | 8 | $ 1,444,000 | $ 180,500 | $ 92,000 |
| Salinas, CA | 8 | $ 3,490,000 | $ 436,250 | $ 146,000 |
| Visalia-Porterville, CA | 7 | $ 1,242,000 | $ 177,428 | $ 109,000 |
| Yuba City, CA | 7 | $ 1,539,000 | $ 219,857 | $ 98,000 |
| El Centro, CA | 6 | $ 1,045,000 | $ 174,166 | $ 80,000 |
| Prescott, AZ | 6 | $ 1,534,000 | $ 255,666 | $ 130,000 |
| Santa Cruz-Watsonville, CA | 6 | $ 1,947,000 | $ 324,500 | $ 321,000 |
| Ogden-Clearfield, UT | 5 | $ 454,000 | $ 90,800 | $ 65,000 |
| Spokane, WA | 5 | $ 624,000 | $ 124,800 | $ 128,000 |
| Carson City, NV | 4 | $ 449,000 | $ 112,250 | $ 133,000 |
| Hanford-Corcoran, CA | 4 | $ 438,000 | $ 109,500 | $ 112,000 |
| Medford, OR | 4 | $ 950,000 | $ 237,500 | $ 111,000 |
| Provo-Orem, UT | 4 | $ 718,000 | $ 179,500 | $ 113,000 |
| Dallas-Plano-Irving, TX | 3 | $ 757,000 | $ 252,333 | $ 212,000 |
| Salt Lake City, UT | 3 | $ 572,000 | $ 190,666 | $ 38,000 |
| Sarasota-Bradenton-Venice, FL | 3 | $ 1,531,000 | $ 510,333 | $ 245,000 |
| Tacoma, WA | 3 | $ 514,000 | $ 171,333 | $ 83,000 |
| Yuma, AZ | 3 | $ 336,000 | $ 112,000 | $ 37,000 |
| Austin-Round Rock, TX | 2 | $ 401,000 | $ 200,500 | $ 109,000 |
| Chico, CA | 2 | $ 498,000 | $ 249,000 | $ 122,000 |
| Houston-Sugar Land-Baytown, TX | 2 | $ 581,000 | $ 290,500 | $ 84,000 |
| San Luis Obispo-Paso Robles, CA | 2 | $ 760,000 | $ 380,000 | $ 124,000 |
| Santa Barbara-Santa Maria, CA | 2 | $ 1,676,000 | $ 838,000 | $ 230,000 |
| Tucson, AZ | 2 | $ 91,000 | $ 45,500 | $ 24,000 |
| Bend, OR | 1 | $ 416,000 | $ 416,000 | $ 120,000 |
| Bremerton-Silverdale, WA | 1 | $ 278,000 | $ 278,000 | $ 102,000 |
| Coeur D'Alene, ID | 1 | $ 152,000 | $ 152,000 | $ 180,000 |
| Corvallis, OR | 1 | $ 225,000 | $ 225,000 | $ 96,000 |
| Denver-Aurora, CO | 1 | $ 99,000 | $ 99,000 | $ 41,000 |
| Fort Worth-Arlington, TX | 1 | $ 94,000 | $ 94,000 | $ 102,000 |
| Honolulu, HI | 1 | $ 240,000 | $ 240,000 | $ 420,000 |
| Jacksonville, FL | 1 | $ 104,000 | $ 104,000 | $ 43,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 196,000 | $ 196,000 | $ 213,000 |
| Las Cruces, NM | 1 | $ 134,000 | $ 134,000 | $ 41,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 218,000 | $ 218,000 | $ 192,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 155,000 | $ 155,000 | $ 76,000 |
| Salem, OR | 1 | $ 274,000 | $ 274,000 | $ 168,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 168,000 | $ 168,000 | $ 55,000 |
Mortgage Loan Application Detail Totals for Diablo Funding Group Inc 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 | 1,689 | $543,752,000 | $321,000 | $3,080,000 | $151,000 | $1,872,000 |
| Home Purchase | 1,229 | $338,420,000 | $275,000 | $1,600,000 | $159,000 | $1,426,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,251 | $404,233,000 | $323,000 | $3,080,000 | $168,000 | $1,872,000 |
| Hispanic | 713 | $182,955,000 | $256,000 | $2,280,000 | $129,000 | $1,200,000 |
| Not Provided | 525 | $166,357,000 | $316,000 | $1,600,000 | $158,000 | $1,440,000 |
| Black or African American | 225 | $61,447,000 | $273,000 | $1,000,000 | $153,000 | $546,000 |
| Asian | 142 | $47,623,000 | $335,000 | $1,480,000 | $150,000 | $450,000 |
| Native Hawaiian or Other Pacific Islander | 51 | $15,748,000 | $308,000 | $928,000 | $165,000 | $454,000 |
| American Indian or Alaskan Native | 11 | $3,809,000 | $346,000 | $572,000 | $128,000 | $400,000 |
| 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) | 2,918 | $882,172,000 | $302,000 | $3,080,000 | $155,000 | $1,872,000 |
| 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 | 1,814 | $554,388,000 | $305,000 | $1,976,000 | $151,000 | $1,860,000 |
| Application Withdrawn By Applicant | 497 | $149,734,000 | $301,000 | $2,000,000 | $164,000 | $1,507,000 |
| Application Approved But Not Accepted | 308 | $92,527,000 | $300,000 | $2,280,000 | $156,000 | $1,294,000 |
| Application Denied By Financial Institution | 284 | $80,735,000 | $284,000 | $3,080,000 | $159,000 | $1,872,000 |
| File Closed For Incompleteness | 14 | $4,618,000 | $329,000 | $825,000 | $127,000 | $297,000 |
| Loan Purchased By The Institution | 1 | $170,000 | $170,000 | $170,000 | $72,000 | $72,000 |
| 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 | 45 | $14,156,000 | $314,000 | $702,000 | $143,000 | $321,000 |
| Debt-To-Income Ratio | 27 | $8,626,000 | $319,000 | $1,000,000 | $199,000 | $501,000 |
| Other | 24 | $5,007,000 | $208,000 | $543,000 | $140,000 | $438,000 |
| Collateral | 16 | $3,884,000 | $242,000 | $805,000 | $171,000 | $360,000 |
| Credit Application Incomplete | 10 | $3,517,000 | $351,000 | $847,000 | $104,000 | $200,000 |
| Unverifiable Information | 5 | $1,034,000 | $206,000 | $428,000 | $154,000 | $237,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $320,000 | $320,000 | $320,000 | $126,000 | $126,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Diablo Funding Group Inc'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 Diablo Funding Group 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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