Kaiser Federal Bank Mortgage Lending & HMDA Data, 2006
In 2006, Kaiser Federal Bank of Covina, CA reported 236 mortgage applications totaling $99.9 million, down 63% from 2005. The average application was for $423,216, and applicants reported an average income of $118,021. 44% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (102), Riverside-San Bernardino-Ontario, CA (44) and Santa Ana-Anaheim-Irvine, CA (28) (applications in parentheses).
| Mortgage Company & Address | Kaiser Federal Bank 1359 N Grand Ave Covina, CA 91724 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 | 236 |
| Total Mortgage Loan Application Amount | $99,879,000 |
| Average Mortgage Loan Application Amount | $423,216 |
| Highest Mortgage Loan Application Amount | $2,650,000 |
| Average Applicant Income | $118,021 |
| Highest Applicant Income | $945,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Kaiser Federal Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 102 | $ 40,134,000 | $ 393,470 | $ 92,000 |
| Riverside-San Bernardino-Ontario, CA | 44 | $ 12,570,000 | $ 285,681 | $ 113,000 |
| Santa Ana-Anaheim-Irvine, CA | 28 | $ 15,118,000 | $ 539,928 | $ 122,000 |
| San Diego-Carlsbad-San Marcos, CA | 18 | $ 7,992,000 | $ 444,000 | $ 173,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 14 | $ 6,641,000 | $ 474,357 | $ 167,000 |
| Oakland-Fremont-Hayward, CA | 8 | $ 4,818,000 | $ 602,250 | $ 179,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 7 | $ 4,055,000 | $ 579,285 | $ 206,000 |
| San Francisco-San Mateo-Redwood City, CA | 5 | $ 3,422,000 | $ 684,400 | $ 136,000 |
| Bakersfield, CA | 4 | $ 2,693,000 | $ 673,250 | $ 95,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 1,110,000 | $ 555,000 | $ 64,000 |
| Santa Rosa-Petaluma, CA | 2 | $ 655,000 | $ 327,500 | $ 73,000 |
| Fresno, CA | 1 | $ 155,000 | $ 155,000 | $ 150,000 |
| Stockton, CA | 1 | $ 516,000 | $ 516,000 | $ 298,000 |
Mortgage Loan Application Detail Totals for Kaiser Federal Bank 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 | 126 | $57,374,000 | $455,000 | $1,150,000 | $108,000 | $945,000 |
| Home Improvement | 55 | $8,965,000 | $163,000 | $656,000 | $102,000 | $263,000 |
| Home Purchase | 55 | $33,540,000 | $609,000 | $2,650,000 | $157,000 | $565,000 |
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 | 112 | $55,222,000 | $493,000 | $1,100,000 | $125,000 | $945,000 |
| Hispanic | 39 | $11,617,000 | $297,000 | $540,000 | $86,000 | $298,000 |
| Not Provided | 37 | $12,968,000 | $350,000 | $1,075,000 | $116,000 | $565,000 |
| Asian | 27 | $9,457,000 | $350,000 | $722,000 | $144,000 | $444,000 |
| Black or African American | 12 | $4,262,000 | $355,000 | $670,000 | $135,000 | $295,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $1,548,000 | $387,000 | $472,000 | $156,000 | $400,000 |
| Not applicable | 4 | $4,765,000 | $1,191,000 | $2,650,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $40,000 | $40,000 | $40,000 | $65,000 | $65,000 |
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) | 236 | $99,879,000 | $423,000 | $2,650,000 | $118,000 | $945,000 |
| 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 Purchased By The Institution | 115 | $66,522,000 | $578,000 | $1,000,000 | $147,000 | $945,000 |
| Loan Originated | 105 | $32,422,000 | $308,000 | $2,650,000 | $89,000 | $400,000 |
| Application Denied By Financial Institution | 9 | $560,000 | $62,000 | $100,000 | $97,000 | $164,000 |
| Application Withdrawn By Applicant | 6 | $355,000 | $59,000 | $100,000 | $91,000 | $165,000 |
| Application Approved But Not Accepted | 1 | $20,000 | $20,000 | $20,000 | $140,000 | $140,000 |
| File Closed For Incompleteness | 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 | 4 | $290,000 | $72,000 | $100,000 | $97,000 | $164,000 |
| Collateral | 3 | $140,000 | $46,000 | $60,000 | $69,000 | $96,000 |
| Credit History | 2 | $130,000 | $65,000 | $90,000 | $139,000 | $156,000 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Kaiser Federal Bank'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 Kaiser Federal 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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with aggregated HMDA statistics today.
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