Sacramento 1st Mortgage, Inc Mortgage Lending & HMDA Data, 2014
In 2014, Sacramento 1st Mortgage, Inc of Sacramento, CA reported 2,236 mortgage applications totaling $582.1 million, down 18% from 2013. The average application was for $260,346, and applicants reported an average income of $109,120. 71% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Sacramento--Roseville--Arden-Arcade, CA (1,388), Phoenix-Mesa-Scottsdale, AZ (279) and Wenatchee, WA (68) (applications in parentheses).
| Mortgage Company & Address | Sacramento 1st Mortgage, Inc 3626 Fair Oaks Blvd, Suite 100 Sacramento, CA 95864 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2014 2013 2012 2011 2010 2009 2008 2006 |
| Total Number of Mortgage Applications | 2,236 |
| Total Mortgage Loan Application Amount | $582,134,000 |
| Average Mortgage Loan Application Amount | $260,346 |
| Highest Mortgage Loan Application Amount | $2,150,000 |
| Average Applicant Income | $109,120 |
| Highest Applicant Income | $2,052,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Sacramento 1st Mortgage, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Sacramento, California | 909 | $ 217,344,000 | $ 239,102 | $ 105,000 |
| Maricopa, Arizona | 266 | $ 63,524,000 | $ 238,812 | $ 104,000 |
| Placer, California | 224 | $ 69,123,000 | $ 308,584 | $ 125,000 |
| Yolo, California | 161 | $ 51,095,000 | $ 317,360 | $ 132,000 |
| Nevada, California | 110 | $ 29,031,000 | $ 263,918 | $ 86,000 |
| El Dorado, California | 94 | $ 28,946,000 | $ 307,936 | $ 143,000 |
| Pierce, Washington | 39 | $ 9,257,000 | $ 237,358 | $ 121,000 |
| Chelan, Washington | 38 | $ 8,461,000 | $ 222,657 | $ 69,000 |
| Douglas, Washington | 30 | $ 6,257,000 | $ 208,566 | $ 61,000 |
| San Joaquin, California | 25 | $ 6,298,000 | $ 251,920 | $ 111,000 |
| San Diego, California | 24 | $ 7,929,000 | $ 330,375 | $ 112,000 |
| Solano, California | 23 | $ 7,871,000 | $ 342,217 | $ 107,000 |
| King, Washington | 23 | $ 7,434,000 | $ 323,217 | $ 135,000 |
| Yuba, California | 21 | $ 4,416,000 | $ 210,285 | $ 70,000 |
| Cowlitz, Washington | 18 | $ 2,291,000 | $ 127,277 | $ 52,000 |
| Contra Costa, California | 17 | $ 5,197,000 | $ 305,705 | $ 105,000 |
| Snohomish, Washington | 16 | $ 4,639,000 | $ 289,937 | $ 101,000 |
| Sonoma, California | 14 | $ 5,154,000 | $ 368,142 | $ 147,000 |
| Pinal, Arizona | 13 | $ 1,796,000 | $ 138,153 | $ 81,000 |
| Stanislaus, California | 10 | $ 2,632,000 | $ 263,200 | $ 108,000 |
| Amador, California | 9 | $ 1,643,000 | $ 182,555 | $ 78,000 |
| Santa Clara, California | 9 | $ 4,327,000 | $ 480,777 | $ 147,000 |
| Sutter, California | 9 | $ 1,738,000 | $ 193,111 | $ 79,000 |
| Gila, Arizona | 7 | $ 1,090,000 | $ 155,714 | $ 90,000 |
| Alameda, California | 7 | $ 2,483,000 | $ 354,714 | $ 145,000 |
| Butte, California | 6 | $ 1,119,000 | $ 186,500 | $ 77,000 |
| Monterey, California | 6 | $ 2,781,000 | $ 463,500 | $ 197,000 |
| Grant, Washington | 6 | $ 1,004,000 | $ 167,333 | $ 69,000 |
| Thurston, Washington | 6 | $ 1,282,000 | $ 213,666 | $ 83,000 |
| Kern, California | 5 | $ 918,000 | $ 183,600 | $ 73,000 |
| Orange, California | 5 | $ 1,544,000 | $ 308,800 | $ 143,000 |
| Grays Harbor, Washington | 5 | $ 641,000 | $ 128,200 | $ 32,000 |
| Coconino, Arizona | 4 | $ 1,037,000 | $ 259,250 | $ 171,000 |
| Fresno, California | 4 | $ 1,443,000 | $ 360,750 | $ 119,000 |
| Los Angeles, California | 4 | $ 1,223,000 | $ 305,750 | $ 86,000 |
| San Bernardino, California | 4 | $ 622,000 | $ 155,500 | $ 62,000 |
| Yavapai, Arizona | 3 | $ 358,000 | $ 119,333 | $ 120,000 |
| Napa, California | 3 | $ 1,335,000 | $ 445,000 | $ 204,000 |
| San Francisco, California | 3 | $ 1,233,000 | $ 411,000 | $ 235,000 |
| Santa Cruz, California | 3 | $ 938,000 | $ 312,666 | $ 228,000 |
| Ventura, California | 3 | $ 1,261,000 | $ 420,333 | $ 152,000 |
| Clark, Washington | 3 | $ 526,000 | $ 175,333 | $ 74,000 |
| Pima, Arizona | 2 | $ 530,000 | $ 265,000 | $ 90,000 |
| Calaveras, California | 2 | $ 426,000 | $ 213,000 | $ 55,000 |
| Mendocino, California | 2 | $ 605,000 | $ 302,500 | $ 153,000 |
| Merced, California | 2 | $ 257,000 | $ 128,500 | $ 64,000 |
| Plumas, California | 2 | $ 547,000 | $ 273,500 | $ 127,000 |
| Riverside, California | 2 | $ 600,000 | $ 300,000 | $ 118,000 |
| San Luis Obispo, California | 2 | $ 597,000 | $ 298,500 | $ 77,000 |
| Santa Barbara, California | 2 | $ 405,000 | $ 202,500 | $ 137,000 |
| Shasta, California | 2 | $ 420,000 | $ 210,000 | $ 81,000 |
| Tulare, California | 2 | $ 318,000 | $ 159,000 | $ 83,000 |
| Clackamas, Oregon | 2 | $ 1,037,000 | $ 518,500 | $ 137,000 |
| Kitsap, Washington | 2 | $ 517,000 | $ 258,500 | $ 197,000 |
| Pacific, Washington | 2 | $ 305,000 | $ 152,500 | $ 63,000 |
| Mohave, Arizona | 1 | $ 368,000 | $ 368,000 | $ 113,000 |
| Navajo, Arizona | 1 | $ 225,000 | $ 225,000 | $ 65,000 |
| Colusa, California | 1 | $ 536,000 | $ 536,000 | $ 145,000 |
| Marin, California | 1 | $ 1,995,000 | $ 1,995,000 | $ 473,000 |
| San Mateo, California | 1 | $ 402,000 | $ 402,000 | $ 77,000 |
| Sierra, California | 1 | $ 142,000 | $ 142,000 | $ 37,000 |
| Siskiyou, California | 1 | $ 89,000 | $ 89,000 | $ 76,000 |
| Tuolumne, California | 1 | $ 202,000 | $ 202,000 | $ 212,000 |
| Marion, Indiana | 1 | $ 79,000 | $ 79,000 | $ 300,000 |
| Clatsop, Oregon | 1 | $ 320,000 | $ 320,000 | $ 217,000 |
| Lane, Oregon | 1 | $ 335,000 | $ 335,000 | $ 778,000 |
| Multnomah, Oregon | 1 | $ 193,000 | $ 193,000 | $ 161,000 |
| Washington, Oregon | 1 | $ 194,000 | $ 194,000 | $ 36,000 |
| Benton, Washington | 1 | $ 124,000 | $ 124,000 | $ 73,000 |
| Franklin, Washington | 1 | $ 76,000 | $ 76,000 | $ 31,000 |
| Kittitas, Washington | 1 | $ 130,000 | $ 130,000 | $ 60,000 |
| Okanogan, Washington | 1 | $ 120,000 | $ 120,000 | $ 122,000 |
| San Juan, Washington | 1 | $ 298,000 | $ 298,000 | $ 0 |
| Skagit, Washington | 1 | $ 311,000 | $ 311,000 | $ 168,000 |
| Stevens, Washington | 1 | $ 75,000 | $ 75,000 | $ 177,000 |
| Yakima, Washington | 1 | $ 115,000 | $ 115,000 | $ 40,000 |
Mortgage Loan Application Detail Totals for Sacramento 1st Mortgage, Inc in 2014
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 | 1,528 | $395,811,000 | $259,000 | $1,995,000 | $105,000 | $1,464,000 |
| Refinancing | 706 | $185,815,000 | $263,000 | $2,150,000 | $118,000 | $2,052,000 |
| Home Improvement | 2 | $508,000 | $254,000 | $294,000 | $123,000 | $145,000 |
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 | 1,607 | $430,127,000 | $267,000 | $2,150,000 | $115,000 | $1,921,000 |
| Hispanic | 237 | $54,724,000 | $230,000 | $650,000 | $88,000 | $589,000 |
| Not Provided | 145 | $38,261,000 | $263,000 | $780,000 | $112,000 | $2,052,000 |
| Asian | 121 | $31,064,000 | $256,000 | $648,000 | $107,000 | $644,000 |
| Black or African American | 95 | $20,324,000 | $213,000 | $441,000 | $77,000 | $253,000 |
| American Indian or Alaskan Native | 18 | $4,961,000 | $275,000 | $650,000 | $98,000 | $264,000 |
| Native Hawaiian or Other Pacific Islander | 13 | $2,673,000 | $205,000 | $388,000 | $66,000 | $141,000 |
| 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) | 1,510 | $400,411,000 | $265,000 | $2,150,000 | $122,000 | $1,921,000 |
| FHA-insured (Federal Housing Administration) | 521 | $123,421,000 | $236,000 | $556,000 | $82,000 | $2,052,000 |
| VA-guaranteed (Veterans Administration) | 170 | $50,439,000 | $296,000 | $1,005,000 | $88,000 | $416,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 35 | $7,863,000 | $224,000 | $388,000 | $61,000 | $97,000 |
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 | 1,597 | $414,757,000 | $259,000 | $1,995,000 | $107,000 | $1,280,000 |
| Application Withdrawn By Applicant | 435 | $111,949,000 | $257,000 | $935,000 | $107,000 | $1,464,000 |
| File Closed For Incompleteness | 112 | $30,634,000 | $273,000 | $2,150,000 | $141,000 | $2,052,000 |
| Application Denied By Financial Institution | 60 | $14,911,000 | $248,000 | $548,000 | $93,000 | $493,000 |
| Application Approved But Not Accepted | 32 | $9,883,000 | $308,000 | $1,005,000 | $147,000 | $778,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 1 | $276,000 | $276,000 | $276,000 | $68,000 | $68,000 |
| Other | 1 | $127,000 | $127,000 | $127,000 | $55,000 | $55,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Sacramento 1st Mortgage, Inc's 2014 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 Sacramento 1st Mortgage, Inc'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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with aggregated HMDA statistics today.
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