Redding Bank Of Commerce
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Redding Bank Of Commerce 2012 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Redding Bank Of Commerce 1951 Churn Creek Road Redding, CA 96002 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 |
| Total Number of Mortgage Applications | 2,446 |
| Total Mortgage Loan Application Amount | $866,200,000 |
| Average Mortgage Loan Application Amount | $340,666 |
| Highest Mortgage Loan Application Amount | $3,100,000 |
| Average Applicant Income | $113,333 |
| Highest Applicant Income | $3,388,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 with Redding Bank Of Commerce. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Redding Bank Of Commerce's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2012 breaks down Redding Bank Of Commerce's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Redding Bank Of Commerce serves its applicants.
Each category highlights the total number of mortgage applications processed by Redding Bank Of Commerce, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Redding Bank Of Commerce's mortgage activity for 2012.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Contra Costa County California | 387 | $ 180,633,000 | $ 466,000 | $ 179,000 |
| Boulder County Colorado | 314 | $ 106,437,000 | $ 338,000 | $ 157,000 |
| San Luis Obispo County California | 222 | $ 85,416,000 | $ 384,000 | $ 146,000 |
| Alameda County California | 183 | $ 79,136,000 | $ 432,000 | $ 168,000 |
| Denver County Colorado | 144 | $ 43,900,000 | $ 304,000 | $ 134,000 |
| Tulare County California | 121 | $ 19,504,000 | $ 161,000 | $ 79,000 |
| Santa Clara County California | 119 | $ 62,941,000 | $ 528,000 | $ 193,000 |
| San Diego County California | 86 | $ 33,353,000 | $ 387,000 | $ 130,000 |
| Shasta County California | 79 | $ 18,036,000 | $ 228,000 | $ 98,000 |
| Larimer County Colorado | 67 | $ 18,530,000 | $ 276,000 | $ 103,000 |
| Jefferson County Colorado | 56 | $ 14,017,000 | $ 250,000 | $ 109,000 |
| Merced County California | 47 | $ 7,074,000 | $ 150,000 | $ 69,000 |
| Arapahoe County Colorado | 43 | $ 10,478,000 | $ 243,000 | $ 102,000 |
| Stanislaus County California | 39 | $ 6,079,000 | $ 155,000 | $ 60,000 |
| Los Angeles County California | 37 | $ 16,904,000 | $ 456,000 | $ 188,000 |
| San Mateo County California | 35 | $ 17,156,000 | $ 490,000 | $ 178,000 |
| San Joaquin County California | 34 | $ 5,947,000 | $ 174,000 | $ 73,000 |
| San Francisco County California | 29 | $ 14,825,000 | $ 511,000 | $ 179,000 |
| Weld County Colorado | 29 | $ 7,236,000 | $ 249,000 | $ 103,000 |
| Orange County California | 28 | $ 13,031,000 | $ 465,000 | $ 163,000 |
| Marin County California | 27 | $ 14,192,000 | $ 525,000 | $ 184,000 |
| Douglas County Colorado | 26 | $ 8,411,000 | $ 323,000 | $ 106,000 |
| Adams County Colorado | 24 | $ 5,530,000 | $ 230,000 | $ 94,000 |
| Broomfield County Colorado | 24 | $ 6,534,000 | $ 272,000 | $ 101,000 |
| Santa Barbara County California | 23 | $ 7,138,000 | $ 310,000 | $ 129,000 |
| Placer County California | 19 | $ 5,806,000 | $ 305,000 | $ 181,000 |
| Sacramento County California | 16 | $ 3,153,000 | $ 197,000 | $ 96,000 |
| Sonoma County California | 16 | $ 5,523,000 | $ 345,000 | $ 159,000 |
| Ventura County California | 16 | $ 4,253,000 | $ 265,000 | $ 102,000 |
| Fresno County California | 15 | $ 2,918,000 | $ 194,000 | $ 95,000 |
| Calaveras County California | 12 | $ 2,603,000 | $ 216,000 | $ 97,000 |
| Nevada County California | 12 | $ 3,557,000 | $ 296,000 | $ 330,000 |
| Solano County California | 11 | $ 3,397,000 | $ 308,000 | $ 145,000 |
| Riverside County California | 10 | $ 2,709,000 | $ 270,000 | $ 135,000 |
| San Bernardino County California | 8 | $ 1,608,000 | $ 201,000 | $ 191,000 |
| Santa Cruz County California | 7 | $ 3,461,000 | $ 494,000 | $ 239,000 |
| Grand County Colorado | 7 | $ 2,430,000 | $ 347,000 | $ 313,000 |
| Summit County Colorado | 7 | $ 1,412,000 | $ 201,000 | $ 146,000 |
| Monterey County California | 6 | $ 2,350,000 | $ 391,000 | $ 212,000 |
| El Dorado County California | 5 | $ 4,373,000 | $ 874,000 | $ 133,000 |
| Napa County California | 5 | $ 3,042,000 | $ 608,000 | $ 429,000 |
| Siskiyou County California | 4 | $ 719,000 | $ 179,000 | $ 64,000 |
| Park County Colorado | 4 | $ 826,000 | $ 206,000 | $ 185,000 |
| Butte County California | 3 | $ 395,000 | $ 131,000 | $ 76,000 |
| Kern County California | 3 | $ 574,000 | $ 191,000 | $ 66,000 |
| Yolo County California | 3 | $ 560,000 | $ 186,000 | $ 87,000 |
| Clear Creek County Colorado | 3 | $ 939,000 | $ 313,000 | $ 115,000 |
| El Paso County Colorado | 3 | $ 670,000 | $ 223,000 | $ 121,000 |
| Washoe County Nevada | 3 | $ 643,000 | $ 214,000 | $ 193,000 |
| Amador County California | 2 | $ 484,000 | $ 242,000 | $ 60,000 |
| Kings County California | 2 | $ 223,000 | $ 111,000 | $ 79,000 |
| Lake County California | 2 | $ 462,000 | $ 231,000 | $ 199,000 |
| Plumas County California | 2 | $ 528,000 | $ 264,000 | $ 142,000 |
| Tehama County California | 2 | $ 374,000 | $ 187,000 | $ 73,000 |
| Elbert County Colorado | 2 | $ 649,000 | $ 324,000 | $ 137,000 |
| Glenn County California | 1 | $ 295,000 | $ 295,000 | $ 67,000 |
| Madera County California | 1 | $ 76,000 | $ 76,000 | $ 87,000 |
| Mariposa County California | 1 | $ 136,000 | $ 136,000 | $ 93,000 |
| Trinity County California | 1 | $ 160,000 | $ 160,000 | $ 66,000 |
| Tuolumne County California | 1 | $ 140,000 | $ 140,000 | $ 150,000 |
| Alamosa County Colorado | 1 | $ 263,000 | $ 263,000 | $ 100,000 |
| Eagle County Colorado | 1 | $ 200,000 | $ 200,000 | $ 91,000 |
| Garfield County Colorado | 1 | $ 417,000 | $ 417,000 | $ 132,000 |
| Gilpin County Colorado | 1 | $ 218,000 | $ 218,000 | $ 53,000 |
| Montrose County Colorado | 1 | $ 360,000 | $ 360,000 | $ 320,000 |
| Routt County Colorado | 1 | $ 274,000 | $ 274,000 | $ 140,000 |
| San Miguel County Colorado | 1 | $ 365,000 | $ 365,000 | $ 133,000 |
| Clark County Nevada | 1 | $ 217,000 | $ 217,000 | $ 51,000 |
Mortgage Loan Application Detail Totals for Redding Bank Of Commerce in 2012
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 | 1,434 | $530,330,000 | $369,000 | $2,150,000 | $156,000 | $3,388,000 |
| Home Purchase | 1,011 | $335,548,000 | $331,000 | $3,100,000 | $129,000 | $1,398,000 |
| Home Improvement | 1 | $322,000 | $322,000 | $322,000 | $55,000 | $55,000 |
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 | 1,872 | $667,739,000 | $356,000 | $1,820,000 | $150,000 | $3,388,000 |
| Not Provided | 242 | $97,065,000 | $401,000 | $2,150,000 | $149,000 | $866,000 |
| Hispanic | 167 | $37,301,000 | $223,000 | $919,000 | $83,000 | $459,000 |
| Asian | 121 | $47,915,000 | $395,000 | $1,500,000 | $152,000 | $524,000 |
| Black or African American | 19 | $5,023,000 | $264,000 | $694,000 | $92,000 | $254,000 |
| Native Hawaiian or Other Pacific Islander | 12 | $4,276,000 | $356,000 | $612,000 | $97,000 | $247,000 |
| American Indian or Alaskan Native | 12 | $3,781,000 | $315,000 | $626,000 | $158,000 | $402,000 |
| Not applicable | 1 | $3,100,000 | $3,100,000 | $3,100,000 | $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) | 1,963 | $723,309,000 | $368,000 | $3,100,000 | $161,000 | $3,388,000 |
| FHA-insured (Federal Housing Administration) | 362 | $107,577,000 | $297,000 | $743,000 | $83,000 | $459,000 |
| VA-guaranteed (Veterans Administration) | 85 | $29,223,000 | $343,000 | $967,000 | $71,000 | $268,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 36 | $6,091,000 | $169,000 | $347,000 | $48,000 | $116,000 |
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 Purchased By The Institution | 2,438 | $862,146,000 | $353,000 | $2,150,000 | $145,000 | $3,388,000 |
| Loan Originated | 4 | $488,000 | $122,000 | $146,000 | $1,000 | $1,000 |
| Application Approved But Not Accepted | 4 | $3,566,000 | $891,000 | $3,100,000 | $0 | $1,000 |
| Application Denied By Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 Redding Bank Of Commerce's 2012 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 Redding Bank Of Commerce'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.