United Community Mortgage Corp Mortgage Lending & HMDA Data, 2017
In 2017, United Community Mortgage Corp of Murrieta, CA reported 877 mortgage applications totaling $231.1 million, down 37% from 2016. The average application was for $263,485, and applicants reported an average income of $89,027. 62% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Redding, CA (235), Riverside-San Bernardino-Ontario, CA (185) and San Diego-Carlsbad, CA (75) (applications in parentheses).
| Mortgage Company & Address | United Community Mortgage Corp 40750 Symphoney Park Lane, Ste 102 Murrieta, CA 92562 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2017 2016 |
| Total Number of Mortgage Applications | 877 |
| Total Mortgage Loan Application Amount | $231,077,000 |
| Average Mortgage Loan Application Amount | $263,485 |
| Highest Mortgage Loan Application Amount | $1,120,000 |
| Average Applicant Income | $89,027 |
| Highest Applicant Income | $599,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records United Community Mortgage Corp filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Redding, CA | 235 | $ 50,106,000 | $ 213,217 | $ 71,000 |
| Riverside-San Bernardino-Ontario, CA | 185 | $ 54,047,000 | $ 292,145 | $ 94,000 |
| San Diego-Carlsbad, CA | 75 | $ 32,214,000 | $ 429,520 | $ 135,000 |
| Los Angeles-Long Beach-Glendale, CA | 63 | $ 21,204,000 | $ 336,571 | $ 90,000 |
| Seattle-Bellevue-Everett, WA | 44 | $ 14,014,000 | $ 318,500 | $ 134,000 |
| Dallas-Plano-Irving, TX | 34 | $ 5,038,000 | $ 148,176 | $ 63,000 |
| Anaheim-Santa Ana-Irvine, CA | 13 | $ 5,752,000 | $ 442,461 | $ 107,000 |
| Chico, CA | 12 | $ 2,840,000 | $ 236,666 | $ 81,000 |
| Phoenix-Mesa-Scottsdale, AZ | 8 | $ 1,930,000 | $ 241,250 | $ 100,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 7 | $ 2,724,000 | $ 389,142 | $ 118,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 7 | $ 2,287,000 | $ 326,714 | $ 118,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 6 | $ 1,596,000 | $ 266,000 | $ 113,000 |
| Yuba City, CA | 6 | $ 1,134,000 | $ 189,000 | $ 119,000 |
| Kansas City, MO-KS | 5 | $ 1,078,000 | $ 215,600 | $ 68,000 |
| Bakersfield, CA | 4 | $ 422,000 | $ 105,500 | $ 48,000 |
| Fresno, CA | 3 | $ 769,000 | $ 256,333 | $ 149,000 |
| Kennewick-Richland, WA | 3 | $ 487,000 | $ 162,333 | $ 94,000 |
| Salinas, CA | 3 | $ 1,033,000 | $ 344,333 | $ 64,000 |
| Salt Lake City, UT | 3 | $ 643,000 | $ 214,333 | $ 111,000 |
| Spokane-Spokane Valley, WA | 3 | $ 333,000 | $ 111,000 | $ 48,000 |
| Albany, OR | 2 | $ 296,000 | $ 148,000 | $ 49,000 |
| Bellingham, WA | 2 | $ 420,000 | $ 210,000 | $ 35,000 |
| Eugene, OR | 2 | $ 812,000 | $ 406,000 | $ 145,000 |
| Fort Worth-Arlington, TX | 2 | $ 407,000 | $ 203,500 | $ 102,000 |
| Houston-The Woodlands-Sugar Land, TX | 2 | $ 334,000 | $ 167,000 | $ 76,000 |
| Oakland-Hayward-Berkeley, CA | 2 | $ 1,197,000 | $ 598,500 | $ 110,000 |
| Tacoma-Lakewood, WA | 2 | $ 363,000 | $ 181,500 | $ 52,000 |
| Yakima, WA | 2 | $ 403,000 | $ 201,500 | $ 81,000 |
| Bremerton-Silverdale, WA | 1 | $ 162,000 | $ 162,000 | $ 76,000 |
| Corpus Christi, TX | 1 | $ 254,000 | $ 254,000 | $ 87,000 |
| Flagstaff, AZ | 1 | $ 343,000 | $ 343,000 | $ 263,000 |
| Hanford-Corcoran, CA | 1 | $ 225,000 | $ 225,000 | $ 57,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 157,000 | $ 157,000 | $ 70,000 |
| Lawrence, KS | 1 | $ 166,000 | $ 166,000 | $ 74,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 152,000 | $ 152,000 | $ 45,000 |
| Modesto, CA | 1 | $ 252,000 | $ 252,000 | $ 128,000 |
| Odessa, TX | 1 | $ 253,000 | $ 253,000 | $ 120,000 |
| Ogden-Clearfield, UT | 1 | $ 323,000 | $ 323,000 | $ 115,000 |
| Oklahoma City, OK | 1 | $ 289,000 | $ 289,000 | $ 111,000 |
| Olympia-Tumwater, WA | 1 | $ 324,000 | $ 324,000 | $ 178,000 |
| San Angelo, TX | 1 | $ 71,000 | $ 71,000 | $ 29,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 851,000 | $ 851,000 | $ 205,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 626,000 | $ 626,000 | $ 73,000 |
| Santa Rosa, CA | 1 | $ 362,000 | $ 362,000 | $ 127,000 |
| Sherman-Denison, TX | 1 | $ 153,000 | $ 153,000 | $ 50,000 |
| Stockton-Lodi, CA | 1 | $ 243,000 | $ 243,000 | $ 52,000 |
| Topeka, KS | 1 | $ 127,000 | $ 127,000 | $ 106,000 |
| Tyler, TX | 1 | $ 261,000 | $ 261,000 | $ 110,000 |
| Vallejo-Fairfield, CA | 1 | $ 304,000 | $ 304,000 | $ 69,000 |
| Visalia-Porterville, CA | 1 | $ 323,000 | $ 323,000 | $ 110,000 |
Mortgage Loan Application Detail Totals for United Community Mortgage Corp in 2017
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 | 517 | $130,687,000 | $252,000 | $1,120,000 | $83,000 | $599,000 |
| Refinancing | 246 | $69,470,000 | $282,000 | $851,000 | $98,000 | $594,000 |
| Home Improvement | 114 | $30,920,000 | $271,000 | $663,000 | $97,000 | $299,000 |
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 | 572 | $142,172,000 | $248,000 | $1,000,000 | $91,000 | $599,000 |
| Hispanic | 180 | $50,753,000 | $281,000 | $804,000 | $73,000 | $208,000 |
| Not Provided | 75 | $22,397,000 | $298,000 | $1,120,000 | $100,000 | $360,000 |
| Asian | 20 | $6,305,000 | $315,000 | $724,000 | $144,000 | $326,000 |
| Black or African American | 20 | $6,404,000 | $320,000 | $568,000 | $87,000 | $183,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,384,000 | $276,000 | $390,000 | $99,000 | $225,000 |
| American Indian or Alaskan Native | 5 | $1,662,000 | $332,000 | $550,000 | $77,000 | $116,000 |
| 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) | 441 | $122,608,000 | $278,000 | $1,120,000 | $108,000 | $599,000 |
| FHA-insured (Federal Housing Administration) | 312 | $76,011,000 | $243,000 | $686,000 | $69,000 | $213,000 |
| VA-guaranteed (Veterans Administration) | 79 | $25,423,000 | $321,000 | $804,000 | $82,000 | $370,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 45 | $7,035,000 | $156,000 | $215,000 | $49,000 | $76,000 |
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 | 543 | $136,096,000 | $250,000 | $1,120,000 | $83,000 | $599,000 |
| File Closed For Incompleteness | 279 | $77,294,000 | $277,000 | $886,000 | $99,000 | $594,000 |
| Application Withdrawn By Applicant | 45 | $14,810,000 | $329,000 | $1,000,000 | $104,000 | $370,000 |
| Application Denied By Financial Institution | 9 | $2,743,000 | $304,000 | $686,000 | $84,000 | $193,000 |
| Application Approved But Not Accepted | 1 | $134,000 | $134,000 | $134,000 | $72,000 | $72,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 5 | $1,202,000 | $240,000 | $353,000 | $51,000 | $86,000 |
| Unverifiable Information | 2 | $669,000 | $334,000 | $392,000 | $156,000 | $193,000 |
| Debt-To-Income Ratio | 1 | $686,000 | $686,000 | $686,000 | $109,000 | $109,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Community Mortgage Corp's 2017 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 United Community Mortgage Corp'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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