Jayco Capital Group Mortgage Lending & HMDA Data, 2010
In 2010, Jayco Capital Group of Irvine, CA reported 958 mortgage applications totaling $376.4 million, down 4% from 2009. The average application was for $392,874, and applicants reported an average income of $151,018. 73% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Santa Ana-Anaheim-Irvine, CA (362), Los Angeles-Long Beach-Glendale, CA (254) and Riverside-San Bernardino-Ontario, CA (100) (applications in parentheses).
| Mortgage Company & Address | Jayco Capital Group 18831 Von Karman Avenue Ste 100 Irvine, CA 92612 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2012 2011 2010 2009 2006 2004 |
| Total Number of Mortgage Applications | 958 |
| Total Mortgage Loan Application Amount | $376,374,000 |
| Average Mortgage Loan Application Amount | $392,874 |
| Highest Mortgage Loan Application Amount | $4,100,000 |
| Average Applicant Income | $151,018 |
| Highest Applicant Income | $3,988,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Jayco Capital Group filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Jayco Capital Group in 2010
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 | 749 | $305,770,000 | $408,000 | $4,100,000 | $158,000 | $3,988,000 |
| Home Purchase | 209 | $70,604,000 | $337,000 | $960,000 | $126,000 | $573,000 |
| 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 | 566 | $232,568,000 | $410,000 | $4,100,000 | $153,000 | $1,455,000 |
| Not Provided | 220 | $85,318,000 | $387,000 | $2,017,000 | $152,000 | $1,020,000 |
| Asian | 80 | $27,527,000 | $344,000 | $777,000 | $131,000 | $615,000 |
| Hispanic | 74 | $21,913,000 | $296,000 | $875,000 | $108,000 | $450,000 |
| Black or African American | 11 | $5,596,000 | $508,000 | $2,722,000 | $444,000 | $3,988,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $3,245,000 | $540,000 | $1,234,000 | $173,000 | $498,000 |
| American Indian or Alaskan Native | 1 | $207,000 | $207,000 | $207,000 | $90,000 | $90,000 |
| 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) | 872 | $347,322,000 | $398,000 | $4,100,000 | $156,000 | $3,988,000 |
| FHA-insured (Federal Housing Administration) | 83 | $27,696,000 | $333,000 | $720,000 | $101,000 | $274,000 |
| VA-guaranteed (Veterans Administration) | 3 | $1,356,000 | $452,000 | $653,000 | $63,000 | $113,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 695 | $257,836,000 | $370,000 | $2,625,000 | $143,000 | $1,020,000 |
| Application Withdrawn By Applicant | 80 | $35,098,000 | $438,000 | $1,549,000 | $163,000 | $1,160,000 |
| Application Approved But Not Accepted | 65 | $31,044,000 | $477,000 | $4,100,000 | $183,000 | $1,455,000 |
| Application Denied By Financial Institution | 63 | $30,749,000 | $488,000 | $2,722,000 | $201,000 | $3,988,000 |
| File Closed For Incompleteness | 34 | $15,074,000 | $443,000 | $1,500,000 | $156,000 | $551,000 |
| Loan Purchased By The Institution | 21 | $6,573,000 | $313,000 | $631,000 | $119,000 | $299,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 12 | $4,666,000 | $388,000 | $697,000 | $116,000 | $185,000 |
| Collateral | 10 | $7,257,000 | $725,000 | $2,722,000 | $567,000 | $3,988,000 |
| Unverifiable Information | 5 | $3,604,000 | $720,000 | $2,017,000 | $210,000 | $615,000 |
| Debt-To-Income Ratio | 5 | $2,205,000 | $441,000 | $635,000 | $164,000 | $293,000 |
| Credit History | 2 | $881,000 | $440,000 | $720,000 | $98,000 | $129,000 |
| Employment History | 1 | $1,350,000 | $1,350,000 | $1,350,000 | $378,000 | $378,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $220,000 | $220,000 | $220,000 | $39,000 | $39,000 |
| Credit Application Incomplete | 1 | $1,859,000 | $1,859,000 | $1,859,000 | $414,000 | $414,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Jayco Capital Group's 2010 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 Jayco Capital Group'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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