Plaza Bank Mortgage Lending & HMDA Data, 2015
In 2015, Plaza Bank of Irvine, CA reported 509 mortgage applications totaling $259.3 million, up 1597% from 2014. The average application was for $509,495, and applicants reported an average income of $202,390. 69% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Anaheim-Santa Ana-Irvine, CA (150), Los Angeles-Long Beach-Glendale, CA (147) and San Diego-Carlsbad, CA (80) (applications in parentheses).
| Mortgage Company & Address | Plaza Bank 18200 Von Karman Ave Suite 500 Irvine, CA 92612 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 |
| Total Number of Mortgage Applications | 509 |
| Total Mortgage Loan Application Amount | $259,333,000 |
| Average Mortgage Loan Application Amount | $509,495 |
| Highest Mortgage Loan Application Amount | $2,970,000 |
| Average Applicant Income | $202,390 |
| Highest Applicant Income | $3,033,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Plaza Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Anaheim-Santa Ana-Irvine, CA | 150 | $ 82,551,000 | $ 550,340 | $ 193,000 |
| Los Angeles-Long Beach-Glendale, CA | 147 | $ 80,425,000 | $ 547,108 | $ 191,000 |
| San Diego-Carlsbad, CA | 80 | $ 40,056,000 | $ 500,700 | $ 178,000 |
| Riverside-San Bernardino-Ontario, CA | 35 | $ 10,241,000 | $ 292,600 | $ 114,000 |
| Santa Maria-Santa Barbara, CA | 20 | $ 15,079,000 | $ 753,950 | $ 336,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 19 | $ 7,759,000 | $ 408,368 | $ 131,000 |
| Phoenix-Mesa-Scottsdale, AZ | 5 | $ 1,974,000 | $ 394,800 | $ 278,000 |
| Tampa-St. Petersburg-Clearwater, FL | 4 | $ 432,000 | $ 108,000 | $ 220,000 |
| Denver-Aurora-Lakewood, CO | 3 | $ 776,000 | $ 258,666 | $ 185,000 |
| Oakland-Hayward-Berkeley, CA | 3 | $ 1,094,000 | $ 364,666 | $ 111,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 3 | $ 1,263,000 | $ 421,000 | $ 147,000 |
| Las Vegas-Henderson-Paradise, NV | 2 | $ 403,000 | $ 201,500 | $ 97,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 2 | $ 710,000 | $ 355,000 | $ 214,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 660,000 | $ 330,000 | $ 204,000 |
| Austin-Round Rock, TX | 1 | $ 135,000 | $ 135,000 | $ 84,000 |
| Boulder, CO | 1 | $ 345,000 | $ 345,000 | $ 216,000 |
| Columbia, SC | 1 | $ 162,000 | $ 162,000 | $ 61,000 |
| Dayton, OH | 1 | $ 363,000 | $ 363,000 | $ 525,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 132,000 | $ 132,000 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 295,000 | $ 295,000 | $ 147,000 |
| Fresno, CA | 1 | $ 461,000 | $ 461,000 | $ 88,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 77,000 | $ 77,000 | $ 163,000 |
| Kahului-Wailuku-Lahaina, HI | 1 | $ 348,000 | $ 348,000 | $ 387,000 |
| Kansas City, MO-KS | 1 | $ 366,000 | $ 366,000 | $ 236,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 180,000 | $ 180,000 | $ 257,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 285,000 | $ 285,000 | $ 87,000 |
| Napa, CA | 1 | $ 330,000 | $ 330,000 | $ 48,000 |
| New Haven-Milford, CT | 1 | $ 100,000 | $ 100,000 | $ 100,000 |
| New Orleans-Metairie, LA | 1 | $ 165,000 | $ 165,000 | $ 145,000 |
| Prescott, AZ | 1 | $ 405,000 | $ 405,000 | $ 118,000 |
| Provo-Orem, UT | 1 | $ 390,000 | $ 390,000 | $ 133,000 |
| Salinas, CA | 1 | $ 450,000 | $ 450,000 | $ 112,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 580,000 | $ 580,000 | $ 86,000 |
| Santa Rosa, CA | 1 | $ 1,100,000 | $ 1,100,000 | $ 311,000 |
| Tacoma-Lakewood, WA | 1 | $ 502,000 | $ 502,000 | $ 166,000 |
| Urban Honolulu, HI | 1 | $ 1,028,000 | $ 1,028,000 | $ 3,033,000 |
| Vallejo-Fairfield, CA | 1 | $ 239,000 | $ 239,000 | $ 80,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 184,000 | $ 184,000 | $ 305,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 395,000 | $ 395,000 | $ 525,000 |
Mortgage Loan Application Detail Totals for Plaza Bank in 2015
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 | 360 | $183,043,000 | $508,000 | $2,970,000 | $198,000 | $2,537,000 |
| Home Purchase | 149 | $76,290,000 | $512,000 | $2,870,000 | $213,000 | $3,033,000 |
| 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 |
|---|---|---|---|---|---|---|
| White | 282 | $146,558,000 | $519,000 | $2,970,000 | $210,000 | $3,033,000 |
| Not Provided | 153 | $77,784,000 | $508,000 | $2,200,000 | $206,000 | $1,520,000 |
| Hispanic | 35 | $16,239,000 | $463,000 | $1,790,000 | $192,000 | $2,537,000 |
| Asian | 33 | $17,005,000 | $515,000 | $1,680,000 | $154,000 | $748,000 |
| Black or African American | 4 | $1,290,000 | $322,000 | $375,000 | $108,000 | $147,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $457,000 | $228,000 | $272,000 | $112,000 | $145,000 |
| Not applicable | 0 | $0 | $0 | $0 | $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) | 445 | $232,332,000 | $522,000 | $2,970,000 | $222,000 | $3,033,000 |
| FHA-insured (Federal Housing Administration) | 45 | $18,553,000 | $412,000 | $636,000 | $54,000 | $208,000 |
| VA-guaranteed (Veterans Administration) | 19 | $8,448,000 | $444,000 | $1,000,000 | $84,000 | $262,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 352 | $165,907,000 | $471,000 | $2,663,000 | $193,000 | $3,033,000 |
| Application Withdrawn By Applicant | 85 | $50,542,000 | $594,000 | $2,500,000 | $223,000 | $2,537,000 |
| Application Denied By Financial Institution | 46 | $28,901,000 | $628,000 | $2,970,000 | $209,000 | $1,041,000 |
| Application Approved But Not Accepted | 22 | $11,169,000 | $507,000 | $1,680,000 | $258,000 | $1,316,000 |
| File Closed For Incompleteness | 4 | $2,814,000 | $703,000 | $1,230,000 | $166,000 | $258,000 |
| 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 | 16 | $9,097,000 | $568,000 | $1,591,000 | $211,000 | $610,000 |
| Debt-To-Income Ratio | 9 | $3,297,000 | $366,000 | $506,000 | $104,000 | $216,000 |
| Credit Application Incomplete | 5 | $2,536,000 | $507,000 | $1,810,000 | $133,000 | $199,000 |
| Unverifiable Information | 5 | $6,196,000 | $1,239,000 | $2,970,000 | $394,000 | $996,000 |
| Other | 3 | $1,204,000 | $401,000 | $467,000 | $93,000 | $103,000 |
| Employment History | 3 | $1,407,000 | $469,000 | $548,000 | $161,000 | $224,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $4,141,000 | $1,380,000 | $2,870,000 | $564,000 | $1,041,000 |
| Credit History | 2 | $1,023,000 | $511,000 | $517,000 | $122,000 | $138,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Plaza Bank's 2015 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 Plaza 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.
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