Quaker City Bank Mortgage Lending & HMDA Data, 2004
In 2004, Quaker City Bank of Whittier, CA reported 1,517 mortgage applications totaling $618.8 million. The average application was for $407,919, and applicants reported an average income of $51,144. 52% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (844), Riverside-San Bernardino-Ontario, CA (159) and Santa Ana-Anaheim-Irvine, CA (104) (applications in parentheses).
| Mortgage Company & Address | Quaker City Bank 7021 Greenleaf Avenue Whittier, CA 90602 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2004 |
| Total Number of Mortgage Applications | 1,517 |
| Total Mortgage Loan Application Amount | $618,814,000 |
| Average Mortgage Loan Application Amount | $407,919 |
| Highest Mortgage Loan Application Amount | $8,500,000 |
| Average Applicant Income | $51,144 |
| Highest Applicant Income | $4,229,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Quaker City Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles, California | 844 | $ 316,047,000 | $ 374,463 | $ 74,000 |
| Riverside, California | 106 | $ 28,592,000 | $ 269,735 | $ 61,000 |
| Orange, California | 104 | $ 38,381,000 | $ 369,048 | $ 86,000 |
| San Diego, California | 87 | $ 95,854,000 | $ 1,101,770 | $ 20,000 |
| San Bernardino, California | 53 | $ 14,405,000 | $ 271,792 | $ 63,000 |
| Santa Clara, California | 40 | $ 20,065,000 | $ 501,625 | $ 0 |
| Alameda, California | 23 | $ 15,354,000 | $ 667,565 | $ 6,000 |
| Sacramento, California | 17 | $ 4,804,000 | $ 282,588 | $ 18,000 |
| Contra Costa, California | 15 | $ 5,690,000 | $ 379,333 | $ 60,000 |
| Kern, California | 13 | $ 7,827,000 | $ 602,076 | $ 20,000 |
| San Mateo, California | 12 | $ 9,686,000 | $ 807,166 | $ 0 |
| Ventura, California | 11 | $ 6,870,000 | $ 624,545 | $ 76,000 |
| Sonoma, California | 9 | $ 3,966,000 | $ 440,666 | $ 13,000 |
| Solano, California | 8 | $ 1,300,000 | $ 162,500 | $ 50,000 |
| San Joaquin, California | 7 | $ 2,460,000 | $ 351,428 | $ 37,000 |
| Santa Barbara, California | 7 | $ 5,443,000 | $ 777,571 | $ 17,000 |
| Tulare, California | 7 | $ 2,574,000 | $ 367,714 | $ 41,000 |
| Fresno, California | 6 | $ 7,896,000 | $ 1,316,000 | $ 46,000 |
| Santa Cruz, California | 6 | $ 1,332,000 | $ 222,000 | $ 63,000 |
| Stanislaus, California | 6 | $ 796,000 | $ 132,666 | $ 43,000 |
| San Francisco, California | 5 | $ 2,344,000 | $ 468,800 | $ 81,000 |
| Maricopa, Arizona | 3 | $ 2,353,000 | $ 784,333 | $ 0 |
| Placer, California | 3 | $ 626,000 | $ 208,666 | $ 42,000 |
| Montgomery, Maryland | 3 | $ 500,000 | $ 166,666 | $ 0 |
| Jackson, Missouri | 3 | $ 229,000 | $ 76,333 | $ 0 |
| El Dorado, California | 2 | $ 656,000 | $ 328,000 | $ 52,000 |
| Imperial, California | 2 | $ 347,000 | $ 173,500 | $ 45,000 |
| Lake, California | 2 | $ 327,000 | $ 163,500 | $ 45,000 |
| Marin, California | 2 | $ 1,333,000 | $ 666,500 | $ 0 |
| Merced, California | 2 | $ 115,000 | $ 57,500 | $ 64,000 |
| San Luis Obispo, California | 2 | $ 872,000 | $ 436,000 | $ 0 |
| Tuolumne, California | 2 | $ 329,000 | $ 164,500 | $ 82,000 |
| Arapahoe, Colorado | 2 | $ 296,000 | $ 148,000 | $ 0 |
| Denver, Colorado | 2 | $ 476,000 | $ 238,000 | $ 0 |
| El Paso, Colorado | 2 | $ 245,000 | $ 122,500 | $ 0 |
| District of Columbia, District Of Columbia | 2 | $ 621,000 | $ 310,500 | $ 0 |
| Orange, Florida | 2 | $ 267,000 | $ 133,500 | $ 0 |
| Baltimore, Maryland | 2 | $ 119,000 | $ 59,500 | $ 0 |
| Harford, Maryland | 2 | $ 154,000 | $ 77,000 | $ 0 |
| Oakland, Michigan | 2 | $ 205,000 | $ 102,500 | $ 0 |
| Union, New Jersey | 2 | $ 454,000 | $ 227,000 | $ 0 |
| Franklin, Ohio | 2 | $ 102,000 | $ 51,000 | $ 0 |
| Montgomery, Ohio | 2 | $ 201,000 | $ 100,500 | $ 0 |
| Providence, Rhode Island | 2 | $ 157,000 | $ 78,500 | $ 0 |
| Fairfax, Virginia | 2 | $ 571,000 | $ 285,500 | $ 0 |
| King, Washington | 2 | $ 88,000 | $ 44,000 | $ 0 |
| Mobile, Alabama | 1 | $ 18,000 | $ 18,000 | $ 0 |
| Shelby, Alabama | 1 | $ 162,000 | $ 162,000 | $ 0 |
| Butte, California | 1 | $ 394,000 | $ 394,000 | $ 0 |
| Del Norte, California | 1 | $ 25,000 | $ 25,000 | $ 57,000 |
| Kings, California | 1 | $ 68,000 | $ 68,000 | $ 140,000 |
| Madera, California | 1 | $ 25,000 | $ 25,000 | $ 56,000 |
| Napa, California | 1 | $ 3,115,000 | $ 3,115,000 | $ 0 |
| Nevada, California | 1 | $ 314,000 | $ 314,000 | $ 0 |
| Shasta, California | 1 | $ 70,000 | $ 70,000 | $ 69,000 |
| Tehama, California | 1 | $ 40,000 | $ 40,000 | $ 90,000 |
| Yolo, California | 1 | $ 995,000 | $ 995,000 | $ 0 |
| Yuba, California | 1 | $ 88,000 | $ 88,000 | $ 71,000 |
| Adams, Colorado | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Boulder, Colorado | 1 | $ 128,000 | $ 128,000 | $ 0 |
| Fairfield, Connecticut | 1 | $ 42,000 | $ 42,000 | $ 0 |
| Broward, Florida | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Flagler, Florida | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Hillsborough, Florida | 1 | $ 182,000 | $ 182,000 | $ 0 |
| Indian River, Florida | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Miami-Dade, Florida | 1 | $ 144,000 | $ 144,000 | $ 0 |
| Monroe, Florida | 1 | $ 193,000 | $ 193,000 | $ 0 |
| Pinellas, Florida | 1 | $ 42,000 | $ 42,000 | $ 0 |
| Polk, Florida | 1 | $ 26,000 | $ 26,000 | $ 0 |
| Clayton, Georgia | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Columbia, Georgia | 1 | $ 190,000 | $ 190,000 | $ 0 |
| Douglas, Georgia | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Fulton, Georgia | 1 | $ 194,000 | $ 194,000 | $ 0 |
| Richmond, Georgia | 1 | $ 131,000 | $ 131,000 | $ 0 |
| Honolulu, Hawaii | 1 | $ 372,000 | $ 372,000 | $ 0 |
| DuPage, Illinois | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Madison, Illinois | 1 | $ 122,000 | $ 122,000 | $ 0 |
| Allen, Indiana | 1 | $ 163,000 | $ 163,000 | $ 0 |
| Webster, Iowa | 1 | $ 39,000 | $ 39,000 | $ 0 |
| Jefferson, Louisiana | 1 | $ 182,000 | $ 182,000 | $ 0 |
| Lafayette, Louisiana | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Orleans, Louisiana | 1 | $ 82,000 | $ 82,000 | $ 0 |
| Anne Arundel, Maryland | 1 | $ 231,000 | $ 231,000 | $ 0 |
| Barnstable, Massachusetts | 1 | $ 68,000 | $ 68,000 | $ 0 |
| Suffolk, Massachusetts | 1 | $ 213,000 | $ 213,000 | $ 0 |
| Worcester, Massachusetts | 1 | $ 711,000 | $ 711,000 | $ 0 |
| Berrien, Michigan | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Jackson, Michigan | 1 | $ 72,000 | $ 72,000 | $ 0 |
| Shiawassee, Michigan | 1 | $ 116,000 | $ 116,000 | $ 0 |
| Wayne, Michigan | 1 | $ 4,000 | $ 4,000 | $ 0 |
| Clay, Minnesota | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Ramsey, Minnesota | 1 | $ 197,000 | $ 197,000 | $ 0 |
| Washington, Minnesota | 1 | $ 356,000 | $ 356,000 | $ 0 |
| Boone, Missouri | 1 | $ 226,000 | $ 226,000 | $ 0 |
| Franklin, Missouri | 1 | $ 113,000 | $ 113,000 | $ 0 |
| Lake, Montana | 1 | $ 366,000 | $ 366,000 | $ 0 |
| Cass, Nebraska | 1 | $ 17,000 | $ 17,000 | $ 0 |
| Carson City, Nevada | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Bergen, New Jersey | 1 | $ 373,000 | $ 373,000 | $ 0 |
| Gloucester, New Jersey | 1 | $ 47,000 | $ 47,000 | $ 0 |
| Morris, New Jersey | 1 | $ 298,000 | $ 298,000 | $ 0 |
| Santa Fe, New Mexico | 1 | $ 356,000 | $ 356,000 | $ 0 |
| Nassau, New York | 1 | $ 192,000 | $ 192,000 | $ 0 |
| Wake, North Carolina | 1 | $ 87,000 | $ 87,000 | $ 0 |
| Athens, Ohio | 1 | $ 172,000 | $ 172,000 | $ 0 |
| Clackamas, Oregon | 1 | $ 301,000 | $ 301,000 | $ 0 |
| Jefferson, Oregon | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Dauphin, Pennsylvania | 1 | $ 108,000 | $ 108,000 | $ 0 |
| Delaware, Pennsylvania | 1 | $ 56,000 | $ 56,000 | $ 0 |
| Philadelphia, Pennsylvania | 1 | $ 51,000 | $ 51,000 | $ 0 |
| Shelby, Tennessee | 1 | $ 54,000 | $ 54,000 | $ 0 |
| Bexar, Texas | 1 | $ 25,000 | $ 25,000 | $ 0 |
| El Paso, Texas | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Galveston, Texas | 1 | $ 112,000 | $ 112,000 | $ 0 |
| Grayson, Texas | 1 | $ 49,000 | $ 49,000 | $ 0 |
| Henderson, Texas | 1 | $ 316,000 | $ 316,000 | $ 0 |
| Kaufman, Texas | 1 | $ 114,000 | $ 114,000 | $ 0 |
| Lubbock, Texas | 1 | $ 21,000 | $ 21,000 | $ 0 |
| Webb, Texas | 1 | $ 32,000 | $ 32,000 | $ 0 |
| Fauquier, Virginia | 1 | $ 119,000 | $ 119,000 | $ 0 |
| Prince William, Virginia | 1 | $ 394,000 | $ 394,000 | $ 0 |
| Kitsap, Washington | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Thurston, Washington | 1 | $ 156,000 | $ 156,000 | $ 0 |
Mortgage Loan Application Detail Totals for Quaker City Bank in 2004
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 | 771 | $327,219,000 | $187,818 | $8,500,000 | $1,393 | $960,000 |
| Refinancing | 692 | $281,444,000 | $202,000 | $8,000,000 | $15,250 | $4,229,000 |
| Home Improvement | 54 | $10,151,000 | $187,000 | $920,000 | $88,000 | $508,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 585 | $259,407,000 | $189,575 | $8,500,000 | $1,030 | $196,000 |
| White | 585 | $212,845,000 | $363,000 | $5,404,000 | $69,000 | $4,229,000 |
| Hispanic | 177 | $77,348,000 | $436,000 | $5,585,000 | $52,000 | $204,000 |
| Asian | 89 | $52,504,000 | $589,000 | $6,160,000 | $72,000 | $339,000 |
| Black or African American | 51 | $11,819,000 | $231,000 | $1,250,000 | $71,000 | $936,000 |
| Native Hawaiian or Other Pacific Islander | 19 | $2,986,000 | $157,000 | $532,000 | $88,000 | $337,000 |
| Not Provided | 10 | $1,775,000 | $177,000 | $875,000 | $71,000 | $133,000 |
| American Indian or Alaskan Native | 1 | $130,000 | $130,000 | $130,000 | $120,000 | $120,000 |
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) | 1,517 | $618,814,000 | $187,212 | $8,500,000 | $1,757 | $4,229,000 |
| 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 | 784 | $434,717,000 | $1,361,000 | $8,500,000 | $24,500 | $4,229,000 |
| Loan Purchased By The Institution | 495 | $118,394,000 | $161,303 | $3,115,000 | $1,454 | $196,000 |
| Application Withdrawn By Applicant | 102 | $31,889,000 | $312,000 | $4,200,000 | $81,000 | $508,000 |
| Application Denied By Financial Institution | 75 | $16,129,000 | $215,000 | $1,950,000 | $81,000 | $936,000 |
| Application Approved But Not Accepted | 47 | $14,839,000 | $315,000 | $5,465,000 | $54,000 | $960,000 |
| File Closed For Incompleteness | 14 | $2,846,000 | $203,000 | $341,000 | $65,000 | $180,000 |
| 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 | 35 | $9,087,000 | $259,000 | $1,950,000 | $47,000 | $936,000 |
| Collateral | 10 | $1,179,000 | $117,000 | $500,000 | $60,000 | $138,000 |
| Credit Application Incomplete | 10 | $1,538,000 | $153,000 | $207,000 | $100,000 | $337,000 |
| Other | 9 | $2,212,000 | $245,000 | $750,000 | $119,000 | $209,000 |
| Unverifiable Information | 3 | $542,000 | $180,000 | $297,000 | $150,000 | $339,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $544,000 | $181,000 | $315,000 | $38,000 | $54,000 |
| Debt-To-Income Ratio | 3 | $546,000 | $182,000 | $280,000 | $49,000 | $72,000 |
| Employment History | 1 | $76,000 | $76,000 | $76,000 | $13,000 | $13,000 |
| Mortgage Insurance Denied | 1 | $405,000 | $405,000 | $405,000 | $288,000 | $288,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Quaker City Bank's 2004 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 Quaker City 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.
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