Paul Financial LLC Mortgage Lending & HMDA Data, 2007
In 2007, Paul Financial LLC of San Rafael, CA reported 7,511 mortgage applications totaling $3.1 billion, down 9% from 2006. The average application was for $416,526, and applicants reported an average income of $149,889. 33% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Oakland-Fremont-Hayward, CA (1,005), Los Angeles-Long Beach-Glendale, CA (964) and Riverside-San Bernardino-Ontario, CA (631) (applications in parentheses).
| Mortgage Company & Address | Paul Financial LLC 1401 Los Gamos Dr San Rafael, CA 94903 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 7,511 |
| Total Mortgage Loan Application Amount | $3,128,528,000 |
| Average Mortgage Loan Application Amount | $416,526 |
| Highest Mortgage Loan Application Amount | $7,000,000 |
| Average Applicant Income | $149,889 |
| Highest Applicant Income | $2,988,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Paul Financial LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Oakland-Fremont-Hayward, CA | 1,005 | $ 429,297,000 | $ 427,161 | $ 135,000 |
| Los Angeles-Long Beach-Glendale, CA | 964 | $ 446,822,000 | $ 463,508 | $ 148,000 |
| Riverside-San Bernardino-Ontario, CA | 631 | $ 230,816,000 | $ 365,793 | $ 148,000 |
| San Francisco-San Mateo-Redwood City, CA | 465 | $ 267,114,000 | $ 574,438 | $ 169,000 |
| San Diego-Carlsbad-San Marcos, CA | 459 | $ 209,294,000 | $ 455,978 | $ 177,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 441 | $ 228,832,000 | $ 518,893 | $ 165,000 |
| Santa Ana-Anaheim-Irvine, CA | 379 | $ 208,926,000 | $ 551,255 | $ 182,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 321 | $ 116,755,000 | $ 363,722 | $ 132,000 |
| Phoenix-Mesa-Scottsdale, AZ | 285 | $ 98,151,000 | $ 344,389 | $ 165,000 |
| Vallejo-Fairfield, CA | 283 | $ 105,238,000 | $ 371,865 | $ 126,000 |
| Seattle-Bellevue-Everett, WA | 230 | $ 72,938,000 | $ 317,121 | $ 130,000 |
| Santa Rosa-Petaluma, CA | 189 | $ 86,217,000 | $ 456,174 | $ 159,000 |
| Stockton, CA | 184 | $ 60,732,000 | $ 330,065 | $ 131,000 |
| Portland-Vancouver-Beaverton, OR-WA | 172 | $ 40,550,000 | $ 235,755 | $ 95,767 |
| Las Vegas-Paradise, NV | 129 | $ 44,370,000 | $ 343,953 | $ 149,000 |
| Denver-Aurora, CO | 112 | $ 27,890,000 | $ 249,017 | $ 164,000 |
| Modesto, CA | 77 | $ 26,089,000 | $ 338,818 | $ 152,000 |
| Tacoma, WA | 75 | $ 23,022,000 | $ 306,960 | $ 219,000 |
| Napa, CA | 73 | $ 34,723,000 | $ 475,657 | $ 175,000 |
| Salinas, CA | 73 | $ 38,707,000 | $ 530,232 | $ 192,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 65 | $ 36,490,000 | $ 561,384 | $ 160,000 |
| Fresno, CA | 57 | $ 15,587,000 | $ 273,456 | $ 155,000 |
| Bakersfield, CA | 53 | $ 12,825,000 | $ 241,981 | $ 93,000 |
| Santa Cruz-Watsonville, CA | 43 | $ 23,528,000 | $ 547,162 | $ 224,000 |
| Merced, CA | 39 | $ 11,171,000 | $ 286,435 | $ 116,000 |
| Colorado Springs, CO | 30 | $ 6,704,000 | $ 223,466 | $ 150,000 |
| Reno-Sparks, NV | 29 | $ 9,263,000 | $ 319,413 | $ 168,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 28 | $ 17,583,000 | $ 627,964 | $ 171,000 |
| Albuquerque, NM | 23 | $ 7,281,000 | $ 316,565 | $ 175,000 |
| San Luis Obispo-Paso Robles, CA | 18 | $ 7,651,000 | $ 425,055 | $ 92,000 |
| Madera, CA | 16 | $ 5,389,000 | $ 336,812 | $ 106,000 |
| Visalia-Porterville, CA | 15 | $ 2,900,000 | $ 193,333 | $ 97,000 |
| Boise City-Nampa, ID | 14 | $ 2,977,000 | $ 212,642 | $ 145,000 |
| Olympia, WA | 13 | $ 2,690,000 | $ 206,923 | $ 64,000 |
| Prescott, AZ | 13 | $ 3,801,000 | $ 292,384 | $ 79,000 |
| Redding, CA | 13 | $ 3,555,000 | $ 273,461 | $ 110,000 |
| Salem, OR | 13 | $ 2,297,000 | $ 176,692 | $ 90,000 |
| Boulder, CO | 12 | $ 4,140,000 | $ 345,000 | $ 199,000 |
| Lake Havasu City-Kingman, AZ | 12 | $ 2,967,000 | $ 247,250 | $ 115,000 |
| Miami-Miami Beach-Kendall, FL | 12 | $ 5,208,000 | $ 434,000 | $ 145,000 |
| Tucson, AZ | 12 | $ 4,151,000 | $ 345,916 | $ 49,000 |
| Bremerton-Silverdale, WA | 11 | $ 2,969,000 | $ 269,909 | $ 212,000 |
| Greeley, CO | 11 | $ 2,649,000 | $ 240,818 | $ 193,000 |
| Yuba City, CA | 11 | $ 3,071,000 | $ 279,181 | $ 140,000 |
| Tampa-St. Petersburg-Clearwater, FL | 10 | $ 2,131,000 | $ 213,100 | $ 62,000 |
| Eugene-Springfield, OR | 9 | $ 2,210,000 | $ 245,555 | $ 73,000 |
| Ogden-Clearfield, UT | 9 | $ 2,023,000 | $ 224,777 | $ 101,000 |
| Chico, CA | 8 | $ 2,461,000 | $ 307,625 | $ 169,000 |
| El Centro, CA | 8 | $ 1,632,000 | $ 204,000 | $ 179,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 8 | $ 2,196,000 | $ 274,500 | $ 82,000 |
| Provo-Orem, UT | 8 | $ 2,109,000 | $ 263,625 | $ 136,000 |
| Orlando-Kissimmee, FL | 7 | $ 2,670,000 | $ 381,428 | $ 143,000 |
| Salt Lake City, UT | 7 | $ 2,594,000 | $ 370,571 | $ 254,000 |
| Flagstaff, AZ | 6 | $ 3,238,000 | $ 539,666 | $ 222,000 |
| Kennewick-Richland-Pasco, WA | 6 | $ 911,000 | $ 151,833 | $ 66,000 |
| Spokane, WA | 6 | $ 1,288,000 | $ 214,666 | $ 110,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 6 | $ 2,255,000 | $ 375,833 | $ 40,000 |
| Yakima, WA | 5 | $ 931,000 | $ 186,200 | $ 48,000 |
| Bend, OR | 4 | $ 1,190,000 | $ 297,500 | $ 26,000 |
| Santa Fe, NM | 4 | $ 906,000 | $ 226,500 | $ 161,000 |
| Carson City, NV | 3 | $ 1,461,000 | $ 487,000 | $ 106,000 |
| Hanford-Corcoran, CA | 3 | $ 545,000 | $ 181,666 | $ 20,000 |
| Jacksonville, FL | 3 | $ 1,575,000 | $ 525,000 | $ 137,000 |
| Medford, OR | 3 | $ 403,000 | $ 134,333 | $ 40,000 |
| Mount Vernon-Anacortes, WA | 3 | $ 655,000 | $ 218,333 | $ 127,000 |
| Naples-Marco Island, FL | 3 | $ 1,092,000 | $ 364,000 | $ 49,000 |
| Richmond, VA | 3 | $ 444,000 | $ 148,000 | $ 70,000 |
| Sarasota-Bradenton-Venice, FL | 3 | $ 2,354,000 | $ 784,666 | $ 152,000 |
| Bellingham, WA | 2 | $ 734,000 | $ 367,000 | $ 60,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 759,000 | $ 379,500 | $ 142,000 |
| Fort Collins-Loveland, CO | 2 | $ 2,220,000 | $ 1,110,000 | $ 324,000 |
| Idaho Falls, ID | 2 | $ 272,000 | $ 136,000 | $ 130,000 |
| Lakeland, FL | 2 | $ 414,000 | $ 207,000 | $ 123,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 375,000 | $ 187,500 | $ 56,000 |
| Port St. Lucie, FL | 2 | $ 317,000 | $ 158,500 | $ 67,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 2 | $ 427,000 | $ 213,500 | $ 114,500 |
| Wenatchee, WA | 2 | $ 2,014,000 | $ 1,007,000 | $ 270,000 |
| Baltimore-Towson, MD | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 200,000 | $ 200,000 | $ 58,000 |
| Logan, UT-ID | 1 | $ 258,000 | $ 258,000 | $ 59,000 |
| Longview, WA | 1 | $ 157,000 | $ 157,000 | $ 64,000 |
| New Haven-Milford, CT | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Spartanburg, SC | 1 | $ 51,000 | $ 51,000 | $ 0 |
| St. George, UT | 1 | $ 980,000 | $ 980,000 | $ 0 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 192,000 | $ 192,000 | $ 0 |
| Yuma, AZ | 1 | $ 232,000 | $ 232,000 | $ 17,000 |
Mortgage Loan Application Detail Totals for Paul Financial LLC in 2007
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 Improvement | 2,985 | $1,204,472,000 | $403,000 | $7,000,000 | $148,000 | $1,440,000 |
| Refinancing | 2,691 | $1,201,303,000 | $446,000 | $6,700,000 | $141,000 | $2,988,000 |
| Home Purchase | 1,835 | $722,753,000 | $393,000 | $3,000,000 | $166,000 | $1,380,000 |
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 | 2,973 | $1,327,807,000 | $446,000 | $7,000,000 | $165,000 | $2,160,000 |
| Not Provided | 2,093 | $863,192,000 | $412,000 | $1,948,000 | $138,000 | $1,740,000 |
| Hispanic | 1,309 | $462,915,000 | $353,000 | $1,800,000 | $128,000 | $744,000 |
| Asian | 590 | $258,914,000 | $438,000 | $1,502,000 | $177,000 | $940,000 |
| Black or African American | 365 | $139,337,000 | $381,000 | $1,760,000 | $128,000 | $2,988,000 |
| Native Hawaiian or Other Pacific Islander | 152 | $65,538,000 | $431,000 | $1,000,000 | $139,000 | $670,000 |
| American Indian or Alaskan Native | 29 | $10,825,000 | $373,000 | $1,000,000 | $148,000 | $336,000 |
| 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) | 7,509 | $3,127,573,000 | $416,000 | $7,000,000 | $150,000 | $2,988,000 |
| FHA-insured (Federal Housing Administration) | 2 | $955,000 | $477,000 | $563,000 | $171,000 | $228,000 |
| 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 | 2,496 | $986,542,000 | $395,000 | $1,855,000 | $139,000 | $1,740,000 |
| Application Approved But Not Accepted | 2,304 | $907,835,000 | $394,000 | $7,000,000 | $151,000 | $1,440,000 |
| Application Denied By Financial Institution | 1,710 | $743,466,000 | $434,000 | $6,700,000 | $162,000 | $2,988,000 |
| Application Withdrawn By Applicant | 999 | $490,206,000 | $490,000 | $5,730,000 | $154,000 | $1,740,000 |
| Preapproval Denied by Financial Institution | 2 | $479,000 | $239,000 | $369,000 | $126,000 | $253,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 578 | $250,901,000 | $434,000 | $1,925,000 | $157,000 | $797,000 |
| Credit History | 417 | $164,905,000 | $395,000 | $1,500,000 | $138,000 | $1,092,000 |
| Debt-To-Income Ratio | 242 | $108,264,000 | $447,000 | $1,925,000 | $168,000 | $825,000 |
| Collateral | 231 | $109,709,000 | $474,000 | $6,700,000 | $192,000 | $2,988,000 |
| Unverifiable Information | 151 | $68,744,000 | $455,000 | $1,200,000 | $163,000 | $1,380,000 |
| Employment History | 38 | $15,469,000 | $407,000 | $1,000,000 | $188,000 | $1,148,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $4,156,000 | $461,000 | $943,000 | $164,000 | $310,000 |
| Credit Application Incomplete | 3 | $1,410,000 | $470,000 | $650,000 | $79,000 | $156,000 |
| Mortgage Insurance Denied | 2 | $616,000 | $308,000 | $393,000 | $84,000 | $103,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Paul Financial LLC's 2007 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 Paul Financial 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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