Guarantee Home Loans Mortgage Lending & HMDA Data, 2005
In 2005, Guarantee Home Loans of Clovis, CA reported 65 mortgage applications totaling $12.7 million. The average application was for $196,123, and applicants reported an average income of $67,753. 0% of its applications resulted in an originated loan and 2% were denied. Its largest market was Fresno, CA (6).
| Mortgage Company & Address | Guarantee Home Loans 180 West Bullard Avenue #101 Clovis, CA 93612 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 |
| Total Number of Mortgage Applications | 65 |
| Total Mortgage Loan Application Amount | $12,748,000 |
| Average Mortgage Loan Application Amount | $196,123 |
| Highest Mortgage Loan Application Amount | $510,000 |
| Average Applicant Income | $67,753 |
| Highest Applicant Income | $170,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Guarantee Home Loans filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Guarantee Home Loans 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 Purchase | 53 | $10,289,000 | $169,500 | $455,000 | $64,500 | $170,000 |
| Refinancing | 12 | $2,459,000 | $155,000 | $510,000 | $94,500 | $140,000 |
| 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 | 43 | $8,141,000 | $153,000 | $375,000 | $69,500 | $170,000 |
| Hispanic | 14 | $2,578,000 | $167,500 | $431,000 | $76,500 | $168,000 |
| Asian | 7 | $1,893,000 | $270,000 | $510,000 | $110,000 | $165,000 |
| Black or African American | 1 | $136,000 | $136,000 | $136,000 | $45,000 | $45,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 62 | $12,252,000 | $163,000 | $510,000 | $81,000 | $170,000 |
| FHA-insured (Federal Housing Administration) | 2 | $236,000 | $118,000 | $122,000 | $29,000 | $34,000 |
| VA-guaranteed (Veterans Administration) | 1 | $260,000 | $260,000 | $260,000 | $46,000 | $46,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 49 | $10,190,000 | $207,000 | $510,000 | $71,000 | $168,000 |
| Application Approved But Not Accepted | 14 | $1,898,000 | $133,500 | $315,000 | $66,500 | $170,000 |
| Application Denied By Financial Institution | 1 | $300,000 | $300,000 | $300,000 | $68,000 | $68,000 |
| Preapproval Approved but not Accepted | 1 | $360,000 | $360,000 | $360,000 | $117,000 | $117,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Originated | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 | 1 | $300,000 | $300,000 | $300,000 | $68,000 | $68,000 |
| Debt-To-Income Ratio | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Guarantee Home Loans'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 Guarantee Home Loans'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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