La Jolla Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
La Jolla Bank 2003 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | La Jolla Bank 390 West Valley Parkway Escondido, CA 92025 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 216 |
| Total Mortgage Loan Application Amount | $309,267,000 |
| Average Mortgage Loan Application Amount | $990,666 |
| Highest Mortgage Loan Application Amount | $10,000,000 |
| Average Applicant Income | $90,916 |
| Highest Applicant Income | $3,699,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with La Jolla Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing La Jolla Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down La Jolla Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how La Jolla Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by La Jolla Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at La Jolla Bank's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| San Diego County California | 60 | $ 80,795,000 | $ 1,346,000 | $ 52,000 |
| Maricopa County Arizona | 31 | $ 40,585,000 | $ 1,309,000 | $ 54,000 |
| Riverside County California | 23 | $ 18,149,000 | $ 789,000 | $ 31,000 |
| Orange County California | 16 | $ 30,234,000 | $ 1,889,000 | $ 329,000 |
| Los Angeles County California | 14 | $ 14,255,000 | $ 1,018,000 | $ 74,000 |
| Pima County Arizona | 5 | $ 4,404,000 | $ 880,000 | $ 0 |
| Kern County California | 5 | $ 7,102,000 | $ 1,420,000 | $ 0 |
| Yuma County Arizona | 3 | $ 5,490,000 | $ 1,830,000 | $ 0 |
| Fresno County California | 3 | $ 3,675,000 | $ 1,225,000 | $ 0 |
| Santa Clara County California | 3 | $ 5,263,000 | $ 1,754,000 | $ 0 |
| Tulare County California | 3 | $ 7,253,000 | $ 2,417,000 | $ 0 |
| Denton County Texas | 3 | $ 7,800,000 | $ 2,600,000 | $ 0 |
| Pinal County Arizona | 2 | $ 3,073,000 | $ 1,536,000 | $ 0 |
| Imperial County California | 2 | $ 3,100,000 | $ 1,550,000 | $ 0 |
| San Bernardino County California | 2 | $ 2,500,000 | $ 1,250,000 | $ 0 |
| San Francisco County California | 2 | $ 3,908,000 | $ 1,954,000 | $ 0 |
| Stanislaus County California | 2 | $ 1,875,000 | $ 937,000 | $ 0 |
| El Paso County Texas | 2 | $ 4,000,000 | $ 2,000,000 | $ 0 |
| Harris County Texas | 2 | $ 1,870,000 | $ 935,000 | $ 0 |
| Parker County Texas | 2 | $ 2,085,000 | $ 1,042,000 | $ 0 |
| Cochise County Arizona | 1 | $ 1,700,000 | $ 1,700,000 | $ 0 |
| Alameda County California | 1 | $ 900,000 | $ 900,000 | $ 0 |
| Butte County California | 1 | $ 605,000 | $ 605,000 | $ 0 |
| Contra Costa County California | 1 | $ 2,700,000 | $ 2,700,000 | $ 0 |
| Madera County California | 1 | $ 1,050,000 | $ 1,050,000 | $ 0 |
| Marin County California | 1 | $ 3,900,000 | $ 3,900,000 | $ 0 |
| Mendocino County California | 1 | $ 1,200,000 | $ 1,200,000 | $ 0 |
| Napa County California | 1 | $ 4,875,000 | $ 4,875,000 | $ 0 |
| San Joaquin County California | 1 | $ 1,800,000 | $ 1,800,000 | $ 0 |
| San Luis Obispo County California | 1 | $ 1,000,000 | $ 1,000,000 | $ 360,000 |
| San Mateo County California | 1 | $ 2,890,000 | $ 2,890,000 | $ 0 |
| Santa Barbara County California | 1 | $ 4,200,000 | $ 4,200,000 | $ 0 |
| Santa Cruz County California | 1 | $ 2,570,000 | $ 2,570,000 | $ 0 |
| Shasta County California | 1 | $ 1,100,000 | $ 1,100,000 | $ 0 |
| Solano County California | 1 | $ 2,440,000 | $ 2,440,000 | $ 0 |
| Sonoma County California | 1 | $ 1,050,000 | $ 1,050,000 | $ 0 |
| Tehama County California | 1 | $ 590,000 | $ 590,000 | $ 0 |
| Yuba County California | 1 | $ 1,350,000 | $ 1,350,000 | $ 0 |
| Honolulu County Hawaii | 1 | $ 1,412,000 | $ 1,412,000 | $ 0 |
| Blaine County Idaho | 1 | $ 141,000 | $ 141,000 | $ 178,000 |
| New York County New York | 1 | $ 750,000 | $ 750,000 | $ 0 |
| Rockland County New York | 1 | $ 236,000 | $ 236,000 | $ 0 |
| Lane County Oregon | 1 | $ 1,398,000 | $ 1,398,000 | $ 0 |
| Allegheny County Pennsylvania | 1 | $ 232,000 | $ 232,000 | $ 266,000 |
| Chester County Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 108,000 |
| Bexar County Texas | 1 | $ 6,500,000 | $ 6,500,000 | $ 0 |
| Collin County Texas | 1 | $ 525,000 | $ 525,000 | $ 0 |
| Dallas County Texas | 1 | $ 10,000,000 | $ 10,000,000 | $ 0 |
| Erath County Texas | 1 | $ 1,100,000 | $ 1,100,000 | $ 0 |
| Potter County Texas | 1 | $ 2,800,000 | $ 2,800,000 | $ 0 |
| Tarrant County Texas | 1 | $ 682,000 | $ 682,000 | $ 0 |
Mortgage Loan Application Detail Totals for La Jolla Bank in 2003
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 |
|---|---|---|---|---|---|---|
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 141 | $235,540,000 | $1,476,166 | $10,000,000 | $0 | $0 |
| Home Purchase (one-to-four family) | 38 | $49,345,000 | $1,298,000 | $5,250,000 | $163,000 | $2,111,000 |
| Refinancing (home purchase or home improvement, one-to-four family) | 36 | $24,258,000 | $402,250 | $3,700,000 | $187,250 | $3,699,000 |
| Home Improvement (one-to-four family) | 1 | $124,000 | $124,000 | $124,000 | $179,000 | $179,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 121 | $208,086,000 | $1,342,285 | $10,000,000 | $42,285 | $366,000 |
| White | 73 | $88,030,000 | $915,200 | $5,250,000 | $98,800 | $3,699,000 |
| Hispanic | 18 | $9,554,000 | $850,666 | $1,425,000 | $4,666 | $91,000 |
| Asian or Pacific Islander | 4 | $3,597,000 | $899,000 | $1,815,000 | $110,000 | $321,000 |
| Black | 0 | $0 | $0 | $0 | $0 | $0 |
| Information not provided by applicant in mail or telephone application | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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) | 216 | $309,267,000 | $1,104,750 | $10,000,000 | $56,750 | $3,699,000 |
| 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 | 178 | $256,603,000 | $1,262,571 | $10,000,000 | $41,714 | $3,699,000 |
| Application Withdrawn By Applicant | 16 | $24,175,000 | $1,026,333 | $4,200,000 | $87,000 | $360,000 |
| Application Denied By Financial Institution | 14 | $17,556,000 | $863,333 | $3,750,000 | $56,666 | $169,000 |
| Application Approved But Not Accepted | 8 | $10,933,000 | $1,297,000 | $3,900,000 | $13,000 | $158,000 |
| File Closed For Incompleteness | 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 Application Incomplete | 5 | $9,520,000 | $1,904,000 | $3,750,000 | $4,000 | $18,000 |
| Credit History | 4 | $3,496,000 | $846,000 | $1,836,000 | $0 | $0 |
| Collateral | 4 | $4,235,000 | $852,500 | $2,625,000 | $84,500 | $169,000 |
| Other | 1 | $305,000 | $305,000 | $305,000 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into La Jolla Bank's 2003 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 La Jolla 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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.