La Jolla Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2006
La Jolla Bank 2006 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 | 196 |
| Total Mortgage Loan Application Amount | $372,751,000 |
| Average Mortgage Loan Application Amount | $1,815,500 |
| Highest Mortgage Loan Application Amount | $8,518,000 |
| Average Applicant Income | $126,500 |
| Highest Applicant Income | $4,960,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2006 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 2006 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 2006.
| 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 | 78 | $ 137,309,000 | $ 1,760,000 | $ 261,000 |
| Riverside County California | 15 | $ 23,375,000 | $ 1,558,000 | $ 128,000 |
| Los Angeles County California | 12 | $ 25,297,000 | $ 2,108,000 | $ 0 |
| Santa Clara County California | 9 | $ 28,955,000 | $ 3,217,000 | $ 0 |
| Maricopa County Arizona | 8 | $ 20,034,000 | $ 2,504,000 | $ 0 |
| Pima County Arizona | 7 | $ 11,306,000 | $ 1,615,000 | $ 0 |
| Orange County California | 7 | $ 13,600,000 | $ 1,942,000 | $ 71,000 |
| Dallas County Texas | 4 | $ 7,336,000 | $ 1,834,000 | $ 0 |
| Sacramento County California | 3 | $ 2,540,000 | $ 846,000 | $ 0 |
| San Bernardino County California | 3 | $ 737,000 | $ 245,000 | $ 51,000 |
| Maui County Hawaii | 3 | $ 10,159,000 | $ 3,386,000 | $ 315,000 |
| New York County New York | 3 | $ 3,250,000 | $ 1,083,000 | $ 0 |
| Alameda County California | 2 | $ 1,750,000 | $ 875,000 | $ 0 |
| Fresno County California | 2 | $ 2,550,000 | $ 1,275,000 | $ 0 |
| San Mateo County California | 2 | $ 5,180,000 | $ 2,590,000 | $ 39,000 |
| Alachua County Florida | 2 | $ 5,052,000 | $ 2,526,000 | $ 0 |
| Honolulu County Hawaii | 2 | $ 5,500,000 | $ 2,750,000 | $ 1,755,000 |
| Douglas County Nebraska | 2 | $ 7,336,000 | $ 3,668,000 | $ 0 |
| Clark County Nevada | 2 | $ 7,610,000 | $ 3,805,000 | $ 0 |
| Bernalillo County New Mexico | 2 | $ 1,523,000 | $ 761,000 | $ 0 |
| Queens County New York | 2 | $ 1,625,000 | $ 812,000 | $ 0 |
| Bexar County Texas | 2 | $ 6,268,000 | $ 3,134,000 | $ 0 |
| Erath County Texas | 2 | $ 3,200,000 | $ 1,600,000 | $ 0 |
| Travis County Texas | 2 | $ 2,290,000 | $ 1,145,000 | $ 0 |
| Navajo County Arizona | 1 | $ 1,800,000 | $ 1,800,000 | $ 0 |
| Yuma County Arizona | 1 | $ 935,000 | $ 935,000 | $ 0 |
| Amador County California | 1 | $ 840,000 | $ 840,000 | $ 0 |
| Contra Costa County California | 1 | $ 2,015,000 | $ 2,015,000 | $ 0 |
| Napa County California | 1 | $ 3,000,000 | $ 3,000,000 | $ 0 |
| San Francisco County California | 1 | $ 2,000,000 | $ 2,000,000 | $ 393,000 |
| Tulare County California | 1 | $ 1,150,000 | $ 1,150,000 | $ 0 |
| Ventura County California | 1 | $ 875,000 | $ 875,000 | $ 0 |
| Yuba County California | 1 | $ 1,125,000 | $ 1,125,000 | $ 0 |
| Volusia County Florida | 1 | $ 2,522,000 | $ 2,522,000 | $ 0 |
| Hawaii County Hawaii | 1 | $ 7,125,000 | $ 7,125,000 | $ 504,000 |
| Kauai County Hawaii | 1 | $ 2,200,000 | $ 2,200,000 | $ 0 |
| Carson City County Nevada | 1 | $ 3,675,000 | $ 3,675,000 | $ 0 |
| Washoe County Nevada | 1 | $ 688,000 | $ 688,000 | $ 0 |
| Collin County Texas | 1 | $ 2,000,000 | $ 2,000,000 | $ 0 |
| Harris County Texas | 1 | $ 3,300,000 | $ 3,300,000 | $ 0 |
| Parker County Texas | 1 | $ 1,635,000 | $ 1,635,000 | $ 0 |
| Potter County Texas | 1 | $ 594,000 | $ 594,000 | $ 0 |
| Tarrant County Texas | 1 | $ 515,000 | $ 515,000 | $ 227,000 |
| Spokane County Washington | 1 | $ 975,000 | $ 975,000 | $ 0 |
Mortgage Loan Application Detail Totals for La Jolla 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 117 | $264,171,000 | $2,257,000 | $8,518,000 | $226,000 | $4,960,000 |
| Refinancing | 79 | $108,580,000 | $1,374,000 | $6,500,000 | $27,000 | $488,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 112 | $242,814,000 | $2,167,000 | $8,518,000 | $3,000 | $364,000 |
| White | 58 | $96,833,000 | $1,669,000 | $7,125,000 | $360,000 | $3,318,000 |
| Hispanic | 17 | $20,157,000 | $1,185,000 | $4,298,000 | $102,000 | $920,000 |
| Asian | 6 | $9,542,000 | $1,590,000 | $2,845,000 | $114,000 | $420,000 |
| Black or African American | 1 | $2,040,000 | $2,040,000 | $2,040,000 | $4,960,000 | $4,960,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $430,000 | $430,000 | $430,000 | $0 | $0 |
| Not Provided | 1 | $935,000 | $935,000 | $935,000 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 196 | $372,751,000 | $1,901,000 | $8,518,000 | $146,000 | $4,960,000 |
| 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 | 151 | $273,978,000 | $1,814,000 | $8,518,000 | $136,000 | $4,960,000 |
| Application Withdrawn By Applicant | 25 | $60,982,000 | $2,439,000 | $7,125,000 | $150,000 | $2,060,000 |
| Application Denied By Financial Institution | 11 | $26,915,000 | $2,446,000 | $5,438,000 | $298,000 | $1,800,000 |
| Application Approved But Not Accepted | 9 | $10,876,000 | $1,208,000 | $3,455,000 | $104,000 | $740,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 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 |
|---|---|---|---|---|---|---|
| Collateral | 3 | $9,360,000 | $3,120,000 | $3,360,000 | $762,000 | $1,800,000 |
| Debt-To-Income Ratio | 3 | $3,125,000 | $1,041,000 | $1,600,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $3,413,000 | $1,706,000 | $2,400,000 | $94,000 | $188,000 |
| Credit History | 2 | $8,917,000 | $4,458,000 | $5,438,000 | $406,000 | $812,000 |
| Credit Application Incomplete | 1 | $2,100,000 | $2,100,000 | $2,100,000 | $0 | $0 |
| Employment History | 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 La Jolla 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 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.