Fullerton Community Bank Mortgage Lending & HMDA Data, 2004
In 2004, Fullerton Community Bank of Fullerton, CA reported 336 mortgage applications totaling $124.6 million, down 49% from 2003. The average application was for $370,741, and applicants reported an average income of $64,154. 48% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Santa Ana-Anaheim-Irvine, CA (178), Los Angeles-Long Beach-Glendale, CA (85) and Riverside-San Bernardino-Ontario, CA (36) (applications in parentheses).
| Mortgage Company & Address | Fullerton Community Bank 200 W. Commonwealth Ave. Fullerton, CA 92832 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 | 336 |
| Total Mortgage Loan Application Amount | $124,569,000 |
| Average Mortgage Loan Application Amount | $370,741 |
| Highest Mortgage Loan Application Amount | $2,550,000 |
| Average Applicant Income | $64,154 |
| Highest Applicant Income | $756,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Fullerton Community Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Orange, California | 178 | $ 52,145,000 | $ 292,949 | $ 98,000 |
| Los Angeles, California | 85 | $ 41,571,000 | $ 489,070 | $ 58,000 |
| Riverside, California | 20 | $ 7,944,000 | $ 397,200 | $ 55,000 |
| San Bernardino, California | 16 | $ 4,645,000 | $ 290,312 | $ 67,000 |
| San Diego, California | 11 | $ 6,200,000 | $ 563,636 | $ 0 |
| Santa Clara, California | 10 | $ 5,385,000 | $ 538,500 | $ 0 |
| Alameda, California | 4 | $ 1,985,000 | $ 496,250 | $ 0 |
| San Mateo, California | 3 | $ 1,438,000 | $ 479,333 | $ 0 |
| Maricopa, Arizona | 1 | $ 206,000 | $ 206,000 | $ 49,000 |
| Contra Costa, California | 1 | $ 484,000 | $ 484,000 | $ 0 |
| San Joaquin, California | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Santa Cruz, California | 1 | $ 493,000 | $ 493,000 | $ 0 |
| Sonoma, California | 1 | $ 459,000 | $ 459,000 | $ 0 |
| Stanislaus, California | 1 | $ 135,000 | $ 135,000 | $ 59,000 |
| Ventura, California | 1 | $ 575,000 | $ 575,000 | $ 0 |
| Honolulu, Hawaii | 1 | $ 399,000 | $ 399,000 | $ 167,000 |
| Clark, Nevada | 1 | $ 150,000 | $ 150,000 | $ 285,000 |
Mortgage Loan Application Detail Totals for Fullerton Community Bank in 2004
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 | 238 | $77,309,000 | $324,000 | $2,550,000 | $62,000 | $756,000 |
| Home Purchase | 87 | $46,006,000 | $323,250 | $2,295,000 | $142,000 | $754,000 |
| Home Improvement | 11 | $1,254,000 | $114,000 | $335,000 | $61,000 | $122,000 |
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 | 147 | $52,174,000 | $301,666 | $2,340,000 | $182,333 | $754,000 |
| Hispanic | 100 | $22,537,000 | $225,000 | $825,000 | $66,000 | $756,000 |
| Not applicable | 62 | $38,917,000 | $627,000 | $2,550,000 | $0 | $0 |
| Not Provided | 16 | $7,039,000 | $330,500 | $1,020,000 | $57,500 | $579,000 |
| Asian | 7 | $2,849,000 | $407,000 | $719,000 | $115,000 | $195,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $536,000 | $268,000 | $370,000 | $23,000 | $46,000 |
| Black or African American | 1 | $300,000 | $300,000 | $300,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $217,000 | $217,000 | $217,000 | $121,000 | $121,000 |
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) | 336 | $124,569,000 | $281,500 | $2,550,000 | $141,250 | $756,000 |
| 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 | 162 | $61,181,000 | $388,000 | $2,340,000 | $115,500 | $756,000 |
| Loan Purchased By The Institution | 49 | $24,255,000 | $495,000 | $595,000 | $0 | $0 |
| Application Withdrawn By Applicant | 36 | $12,592,000 | $349,000 | $2,550,000 | $108,000 | $400,000 |
| Application Denied By Financial Institution | 35 | $10,901,000 | $311,000 | $960,000 | $79,000 | $355,000 |
| Application Approved But Not Accepted | 27 | $7,205,000 | $210,500 | $800,000 | $181,500 | $285,000 |
| File Closed For Incompleteness | 27 | $8,435,000 | $261,000 | $1,400,000 | $49,500 | $174,000 |
| 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 | 12 | $2,620,000 | $218,000 | $400,000 | $60,000 | $155,000 |
| Debt-To-Income Ratio | 11 | $2,996,000 | $272,000 | $400,000 | $59,000 | $106,000 |
| Collateral | 7 | $2,670,000 | $381,000 | $720,000 | $60,000 | $117,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $1,204,000 | $602,000 | $960,000 | $190,000 | $355,000 |
| Other | 2 | $986,000 | $493,000 | $719,000 | $113,000 | $168,000 |
| Unverifiable Information | 1 | $425,000 | $425,000 | $425,000 | $195,000 | $195,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fullerton Community Bank's 2004 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 Fullerton Community Bank'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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