Pacific Capital Solutions, LLC Mortgage Lending & HMDA Data, 2018
In 2018, Pacific Capital Solutions, LLC of Medford, OR reported 31 mortgage applications totaling $6.9 million. The average application was for $223,064, and applicants reported an average income of $119,774. 68% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Medford, OR (17), Bend-Redmond, OR (4) and Portland-Vancouver-Hillsboro, OR-WA (3) (applications in parentheses).
| Mortgage Company & Address | Pacific Capital Solutions, LLC 801 E Main St #101 Medford, OR 97504 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 |
| Total Number of Mortgage Applications | 31 |
| Total Mortgage Loan Application Amount | $6,915,000 |
| Average Mortgage Loan Application Amount | $223,064 |
| Highest Mortgage Loan Application Amount | $465,000 |
| Average Applicant Income | $119,774 |
| Highest Applicant Income | $303,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Pacific Capital Solutions, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Pacific Capital Solutions, LLC in 2018
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 | 13 | $3,475,000 | $267,000 | $455,000 | $179,000 | $303,000 |
| Cash-out Refinancing | 9 | $1,875,000 | $208,000 | $465,000 | $80,000 | $137,000 |
| Refinancing | 9 | $1,565,000 | $173,000 | $275,000 | $74,000 | $101,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 26 | $6,010,000 | $231,000 | $465,000 | $128,000 | $303,000 |
| Hispanic | 5 | $905,000 | $181,000 | $215,000 | $79,000 | $107,000 |
| 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 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 31 | $6,915,000 | $223,000 | $465,000 | $119,000 | $303,000 |
| 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 | 21 | $4,475,000 | $213,000 | $455,000 | $131,000 | $303,000 |
| Application Withdrawn By Applicant | 9 | $2,345,000 | $260,000 | $465,000 | $92,000 | $147,000 |
| Application Denied By Financial Institution | 1 | $95,000 | $95,000 | $95,000 | $78,000 | $78,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 30 | $6,820,000 | $227,000 | $465,000 | $121,000 | $303,000 |
| Collateral | 1 | $95,000 | $95,000 | $95,000 | $78,000 | $78,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Pacific Capital Solutions, LLC's 2018 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 Pacific Capital Solutions, LLC'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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