First California Mortgage Co., Inc. Mortgage Lending & HMDA Data, 2017
In 2017, First California Mortgage Co., Inc. of Petaluma, CA reported 3,573 mortgage applications totaling $990.9 million, down 53% from 2016. The average application was for $277,331, and applicants reported an average income of $98,927. 59% of its applications resulted in an originated loan and 6% were denied. Its largest markets were San Antonio-New Braunfels, TX (356), Phoenix-Mesa-Scottsdale, AZ (327) and Denver-Aurora-Lakewood, CO (291) (applications in parentheses).
| Mortgage Company & Address | First California Mortgage Co., Inc. 1400 N McDowell Blvd, Suite 300 Petaluma, CA 94954 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 3,573 |
| Total Mortgage Loan Application Amount | $990,905,000 |
| Average Mortgage Loan Application Amount | $277,331 |
| Highest Mortgage Loan Application Amount | $5,800,000 |
| Average Applicant Income | $98,927 |
| Highest Applicant Income | $1,268,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First California Mortgage Co., Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| San Antonio-New Braunfels, TX | 356 | $ 67,576,000 | $ 189,820 | $ 77,000 |
| Phoenix-Mesa-Scottsdale, AZ | 327 | $ 73,748,000 | $ 225,529 | $ 94,000 |
| Denver-Aurora-Lakewood, CO | 291 | $ 78,089,000 | $ 268,347 | $ 95,000 |
| Greeley, CO | 217 | $ 51,780,000 | $ 238,617 | $ 78,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 179 | $ 58,045,000 | $ 324,273 | $ 108,000 |
| San Diego-Carlsbad, CA | 178 | $ 72,473,000 | $ 407,151 | $ 108,000 |
| Fort Collins, CO | 164 | $ 46,637,000 | $ 284,371 | $ 98,000 |
| Houston-The Woodlands-Sugar Land, TX | 147 | $ 25,096,000 | $ 170,721 | $ 64,000 |
| Seattle-Bellevue-Everett, WA | 141 | $ 49,269,000 | $ 349,425 | $ 140,000 |
| Los Angeles-Long Beach-Glendale, CA | 118 | $ 45,188,000 | $ 382,949 | $ 113,000 |
| Riverside-San Bernardino-Ontario, CA | 113 | $ 33,527,000 | $ 296,699 | $ 98,000 |
| Oakland-Hayward-Berkeley, CA | 109 | $ 40,178,000 | $ 368,605 | $ 120,000 |
| Vallejo-Fairfield, CA | 78 | $ 25,957,000 | $ 332,782 | $ 117,000 |
| Santa Rosa, CA | 77 | $ 28,426,000 | $ 369,168 | $ 116,000 |
| Las Vegas-Henderson-Paradise, NV | 70 | $ 14,643,000 | $ 209,185 | $ 85,000 |
| Anaheim-Santa Ana-Irvine, CA | 52 | $ 24,773,000 | $ 476,403 | $ 118,000 |
| Stockton-Lodi, CA | 45 | $ 13,584,000 | $ 301,866 | $ 94,000 |
| Amarillo, TX | 40 | $ 5,715,000 | $ 142,875 | $ 58,000 |
| Fresno, CA | 40 | $ 6,540,000 | $ 163,500 | $ 82,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 29 | $ 7,344,000 | $ 253,241 | $ 94,586 |
| Reno, NV | 28 | $ 8,404,000 | $ 300,142 | $ 86,000 |
| Napa, CA | 27 | $ 11,826,000 | $ 438,000 | $ 143,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 26 | $ 13,773,000 | $ 529,730 | $ 152,000 |
| Tacoma-Lakewood, WA | 24 | $ 5,840,000 | $ 243,333 | $ 112,000 |
| Dallas-Plano-Irving, TX | 21 | $ 5,077,000 | $ 241,761 | $ 161,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 21 | $ 10,945,000 | $ 521,190 | $ 126,000 |
| San Francisco-Redwood City-South San Francisco, CA | 18 | $ 9,253,000 | $ 514,055 | $ 153,000 |
| Boulder, CO | 17 | $ 5,172,000 | $ 304,235 | $ 85,000 |
| Fort Worth-Arlington, TX | 16 | $ 3,658,000 | $ 228,625 | $ 89,000 |
| Austin-Round Rock, TX | 14 | $ 4,187,000 | $ 299,071 | $ 166,000 |
| Charlotte-Concord-Gastonia, NC-SC | 13 | $ 3,662,000 | $ 281,692 | $ 118,000 |
| Modesto, CA | 13 | $ 3,077,000 | $ 236,692 | $ 89,000 |
| Bakersfield, CA | 12 | $ 2,444,000 | $ 203,666 | $ 58,000 |
| Salt Lake City, UT | 12 | $ 3,002,000 | $ 250,166 | $ 63,000 |
| Yuba City, CA | 12 | $ 2,743,000 | $ 228,583 | $ 70,000 |
| Colorado Springs, CO | 11 | $ 2,802,000 | $ 254,727 | $ 80,000 |
| Visalia-Porterville, CA | 11 | $ 2,132,000 | $ 193,818 | $ 88,000 |
| San Rafael, CA | 10 | $ 6,359,000 | $ 635,900 | $ 214,000 |
| Tampa-St. Petersburg-Clearwater, FL | 10 | $ 1,403,000 | $ 140,300 | $ 78,000 |
| Madera, CA | 9 | $ 1,645,000 | $ 182,777 | $ 63,000 |
| Merced, CA | 9 | $ 2,187,000 | $ 243,000 | $ 101,000 |
| Spokane-Spokane Valley, WA | 8 | $ 1,521,000 | $ 190,125 | $ 105,000 |
| Cincinnati, OH-KY-IN | 7 | $ 1,683,000 | $ 240,428 | $ 199,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 7 | $ 2,042,000 | $ 291,714 | $ 144,000 |
| Raleigh, NC | 7 | $ 1,678,000 | $ 239,714 | $ 205,000 |
| Salinas, CA | 7 | $ 3,864,000 | $ 552,000 | $ 80,000 |
| Bremerton-Silverdale, WA | 6 | $ 1,468,000 | $ 244,666 | $ 91,000 |
| Chico, CA | 6 | $ 1,383,000 | $ 230,500 | $ 72,000 |
| Urban Honolulu, HI | 6 | $ 2,747,000 | $ 457,833 | $ 149,000 |
| Albany, OR | 5 | $ 683,000 | $ 136,600 | $ 63,000 |
| Bellingham, WA | 5 | $ 1,290,000 | $ 258,000 | $ 105,000 |
| Cleveland-Elyria, OH | 5 | $ 689,000 | $ 137,800 | $ 87,000 |
| Kennewick-Richland, WA | 5 | $ 1,063,000 | $ 212,600 | $ 99,000 |
| Olympia-Tumwater, WA | 5 | $ 980,000 | $ 196,000 | $ 118,000 |
| Orlando-Kissimmee-Sanford, FL | 5 | $ 1,018,000 | $ 203,600 | $ 37,000 |
| Santa Maria-Santa Barbara, CA | 5 | $ 1,370,000 | $ 274,000 | $ 74,000 |
| Birmingham-Hoover, AL | 4 | $ 907,000 | $ 226,750 | $ 88,000 |
| El Centro, CA | 4 | $ 722,000 | $ 180,500 | $ 57,000 |
| Lake Havasu City-Kingman, AZ | 4 | $ 728,000 | $ 182,000 | $ 73,000 |
| Pueblo, CO | 4 | $ 670,000 | $ 167,500 | $ 73,000 |
| Salem, OR | 4 | $ 835,000 | $ 208,750 | $ 60,000 |
| Albuquerque, NM | 3 | $ 522,000 | $ 174,000 | $ 68,000 |
| Columbus, OH | 3 | $ 523,000 | $ 174,333 | $ 108,000 |
| Hanford-Corcoran, CA | 3 | $ 505,000 | $ 168,333 | $ 78,000 |
| Kahului-Wailuku-Lahaina, HI | 3 | $ 1,380,000 | $ 460,000 | $ 115,000 |
| Midland, TX | 3 | $ 767,000 | $ 255,666 | $ 109,000 |
| Mount Vernon-Anacortes, WA | 3 | $ 1,351,000 | $ 450,333 | $ 275,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 752,000 | $ 250,666 | $ 313,000 |
| Prescott, AZ | 3 | $ 557,000 | $ 185,666 | $ 38,000 |
| Punta Gorda, FL | 3 | $ 440,000 | $ 146,666 | $ 36,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 3 | $ 1,212,000 | $ 404,000 | $ 94,000 |
| Santa Cruz-Watsonville, CA | 3 | $ 988,000 | $ 329,333 | $ 99,000 |
| Yakima, WA | 3 | $ 505,000 | $ 168,333 | $ 44,000 |
| Akron, OH | 2 | $ 235,000 | $ 117,500 | $ 50,000 |
| Corpus Christi, TX | 2 | $ 187,000 | $ 93,500 | $ 83,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 348,000 | $ 174,000 | $ 65,000 |
| Durham-Chapel Hill, NC | 2 | $ 496,000 | $ 248,000 | $ 138,000 |
| Eugene, OR | 2 | $ 417,000 | $ 208,500 | $ 228,000 |
| McAllen-Edinburg-Mission, TX | 2 | $ 270,000 | $ 135,000 | $ 245,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 393,000 | $ 196,500 | $ 35,000 |
| Ogden-Clearfield, UT | 2 | $ 396,000 | $ 198,000 | $ 84,000 |
| Silver Spring-Frederick-Rockville, MD | 2 | $ 1,019,000 | $ 509,500 | $ 228,000 |
| Tucson, AZ | 2 | $ 453,000 | $ 226,500 | $ 164,000 |
| Wenatchee, WA | 2 | $ 560,000 | $ 280,000 | $ 110,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 341,000 | $ 170,500 | $ 38,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 608,000 | $ 304,000 | $ 201,000 |
| Abilene, TX | 1 | $ 58,000 | $ 58,000 | $ 78,000 |
| Anchorage, AK | 1 | $ 220,000 | $ 220,000 | $ 222,000 |
| Asheville, NC | 1 | $ 300,000 | $ 300,000 | $ 70,000 |
| Baltimore-Columbia-Towson, MD | 1 | $ 508,000 | $ 508,000 | $ 180,000 |
| Beaumont-Port Arthur, TX | 1 | $ 147,000 | $ 147,000 | $ 50,000 |
| Chicago-Naperville-Arlington Heights, IL | 1 | $ 305,000 | $ 305,000 | $ 100,000 |
| College Station-Bryan, TX | 1 | $ 100,000 | $ 100,000 | $ 38,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 264,000 | $ 264,000 | $ 266,000 |
| Dayton, OH | 1 | $ 168,000 | $ 168,000 | $ 140,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 292,000 | $ 292,000 | $ 243,000 |
| Flagstaff, AZ | 1 | $ 198,000 | $ 198,000 | $ 37,000 |
| Grants Pass, OR | 1 | $ 195,000 | $ 195,000 | $ 24,000 |
| Homosassa Springs, FL | 1 | $ 176,000 | $ 176,000 | $ 120,000 |
| Huntsville, AL | 1 | $ 370,000 | $ 370,000 | $ 115,000 |
| Jacksonville, FL | 1 | $ 128,000 | $ 128,000 | $ 300,000 |
| Jacksonville, NC | 1 | $ 206,000 | $ 206,000 | $ 0 |
| Kansas City, MO-KS | 1 | $ 183,000 | $ 183,000 | $ 51,000 |
| Killeen-Temple, TX | 1 | $ 74,000 | $ 74,000 | $ 41,000 |
| Las Cruces, NM | 1 | $ 310,000 | $ 310,000 | $ 152,000 |
| Longview, WA | 1 | $ 132,000 | $ 132,000 | $ 76,000 |
| Provo-Orem, UT | 1 | $ 299,000 | $ 299,000 | $ 74,000 |
| Redding, CA | 1 | $ 242,000 | $ 242,000 | $ 185,000 |
| Tallahassee, FL | 1 | $ 126,000 | $ 126,000 | $ 25,000 |
| Tuscaloosa, AL | 1 | $ 253,000 | $ 253,000 | $ 127,000 |
| Walla Walla, WA | 1 | $ 300,000 | $ 300,000 | $ 173,000 |
| Wichita Falls, TX | 1 | $ 76,000 | $ 76,000 | $ 48,000 |
| Wilmington, NC | 1 | $ 184,000 | $ 184,000 | $ 199,000 |
| Yuma, AZ | 1 | $ 160,000 | $ 160,000 | $ 29,000 |
Mortgage Loan Application Detail Totals for First California Mortgage Co., Inc. in 2017
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 | 2,145 | $569,550,000 | $265,000 | $1,440,000 | $97,000 | $1,268,000 |
| Refinancing | 1,392 | $411,130,000 | $295,000 | $5,800,000 | $102,000 | $863,000 |
| Home Improvement | 36 | $10,225,000 | $284,000 | $690,000 | $95,000 | $432,000 |
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 | 1,925 | $544,806,000 | $283,000 | $5,800,000 | $103,000 | $1,268,000 |
| Hispanic | 851 | $196,455,000 | $230,000 | $788,000 | $78,000 | $581,000 |
| Not Provided | 378 | $126,966,000 | $335,000 | $1,191,000 | $118,000 | $837,000 |
| Asian | 223 | $70,708,000 | $317,000 | $949,000 | $119,000 | $963,000 |
| Black or African American | 141 | $34,939,000 | $247,000 | $816,000 | $80,000 | $299,000 |
| American Indian or Alaskan Native | 33 | $9,917,000 | $300,000 | $904,000 | $81,000 | $182,000 |
| Native Hawaiian or Other Pacific Islander | 21 | $6,667,000 | $317,000 | $520,000 | $120,000 | $407,000 |
| Not applicable | 1 | $447,000 | $447,000 | $447,000 | $200,000 | $200,000 |
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) | 2,146 | $595,526,000 | $277,000 | $1,440,000 | $111,000 | $1,268,000 |
| FHA-insured (Federal Housing Administration) | 1,082 | $270,647,000 | $250,000 | $822,000 | $75,000 | $516,000 |
| VA-guaranteed (Veterans Administration) | 335 | $122,486,000 | $365,000 | $5,800,000 | $97,000 | $777,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $2,246,000 | $224,000 | $307,000 | $61,000 | $87,000 |
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 | 2,094 | $561,974,000 | $268,000 | $1,040,000 | $97,000 | $939,000 |
| Application Withdrawn By Applicant | 990 | $279,431,000 | $282,000 | $1,483,000 | $104,000 | $1,268,000 |
| Application Approved But Not Accepted | 283 | $87,867,000 | $310,000 | $5,800,000 | $101,000 | $863,000 |
| Application Denied By Financial Institution | 206 | $61,633,000 | $299,000 | $1,440,000 | $85,000 | $1,080,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 83 | $25,843,000 | $311,000 | $1,440,000 | $71,000 | $366,000 |
| Other | 29 | $9,495,000 | $327,000 | $1,175,000 | $98,000 | $239,000 |
| Credit History | 26 | $6,776,000 | $260,000 | $624,000 | $83,000 | $188,000 |
| Collateral | 22 | $6,159,000 | $279,000 | $694,000 | $87,000 | $265,000 |
| Unverifiable Information | 12 | $4,684,000 | $390,000 | $680,000 | $193,000 | $1,080,000 |
| Employment History | 10 | $2,400,000 | $240,000 | $412,000 | $48,000 | $82,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,464,000 | $209,000 | $304,000 | $64,000 | $102,000 |
| Credit Application Incomplete | 4 | $1,123,000 | $280,000 | $557,000 | $90,000 | $100,000 |
| Mortgage Insurance Denied | 1 | $253,000 | $253,000 | $253,000 | $85,000 | $85,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First California Mortgage Co., Inc.'s 2017 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 First California Mortgage Co., 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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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