Schoolsfirst Mortgage Lending & HMDA Data, 2017
In 2017, Schoolsfirst of Santa Ana, CA reported 9,558 mortgage applications totaling $1.6 billion, up 61% from 2016. The average application was for $163,991, and applicants reported an average income of $107,616. 69% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Anaheim-Santa Ana-Irvine, CA (3,908), Riverside-San Bernardino-Ontario, CA (3,131) and Los Angeles-Long Beach-Glendale, CA (2,043) (applications in parentheses).
| Mortgage Company & Address | Schoolsfirst 2115 North Broadway Santa Ana, CA 92706 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2020 2019 2018 2017 2016 2015 |
| Total Number of Mortgage Applications | 9,558 |
| Total Mortgage Loan Application Amount | $1,567,429,000 |
| Average Mortgage Loan Application Amount | $163,991 |
| Highest Mortgage Loan Application Amount | $1,331,000 |
| Average Applicant Income | $107,616 |
| Highest Applicant Income | $4,116,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Schoolsfirst filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 3,908 | $ 786,196,000 | $ 201,176 | $ 117,000 |
| Riverside-San Bernardino-Ontario, CA | 3,131 | $ 383,478,000 | $ 122,477 | $ 98,000 |
| Los Angeles-Long Beach-Glendale, CA | 2,043 | $ 336,531,000 | $ 164,723 | $ 105,000 |
| San Diego-Carlsbad, CA | 117 | $ 24,215,000 | $ 206,965 | $ 119,000 |
| Bakersfield, CA | 48 | $ 3,676,000 | $ 76,583 | $ 86,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 26 | $ 6,874,000 | $ 264,384 | $ 130,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 26 | $ 6,194,000 | $ 238,230 | $ 147,000 |
| Oakland-Hayward-Berkeley, CA | 13 | $ 1,666,000 | $ 128,153 | $ 121,000 |
| Phoenix-Mesa-Scottsdale, AZ | 13 | $ 155,000 | $ 11,923 | $ 55,000 |
| Las Vegas-Henderson-Paradise, NV | 12 | $ 219,000 | $ 18,250 | $ 81,000 |
| Fresno, CA | 11 | $ 602,000 | $ 54,727 | $ 99,000 |
| Lake Havasu City-Kingman, AZ | 10 | $ 159,000 | $ 15,900 | $ 89,000 |
| Stockton-Lodi, CA | 8 | $ 1,093,000 | $ 136,625 | $ 87,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 7 | $ 1,214,000 | $ 173,428 | $ 115,000 |
| Austin-Round Rock, TX | 6 | $ 120,000 | $ 20,000 | $ 60,000 |
| Boise City, ID | 6 | $ 144,000 | $ 24,000 | $ 81,000 |
| San Francisco-Redwood City-South San Francisco, CA | 6 | $ 2,017,000 | $ 336,166 | $ 138,000 |
| Santa Cruz-Watsonville, CA | 6 | $ 1,448,000 | $ 241,333 | $ 169,000 |
| Dallas-Plano-Irving, TX | 5 | $ 92,000 | $ 18,400 | $ 118,000 |
| Denver-Aurora-Lakewood, CO | 5 | $ 54,000 | $ 10,800 | $ 76,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 5 | $ 65,000 | $ 13,000 | $ 64,000 |
| San Antonio-New Braunfels, TX | 5 | $ 42,000 | $ 8,400 | $ 53,000 |
| Santa Rosa, CA | 5 | $ 1,746,000 | $ 349,200 | $ 107,000 |
| Houston-The Woodlands-Sugar Land, TX | 4 | $ 115,000 | $ 28,750 | $ 85,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 4 | $ 1,214,000 | $ 303,500 | $ 77,000 |
| Santa Maria-Santa Barbara, CA | 4 | $ 707,000 | $ 176,750 | $ 75,000 |
| Atlanta-Sandy Springs-Roswell, GA | 3 | $ 23,000 | $ 7,666 | $ 59,000 |
| Chico, CA | 3 | $ 177,000 | $ 59,000 | $ 72,000 |
| Colorado Springs, CO | 3 | $ 28,000 | $ 9,333 | $ 64,000 |
| San Rafael, CA | 3 | $ 1,458,000 | $ 486,000 | $ 204,000 |
| Vallejo-Fairfield, CA | 3 | $ 1,121,000 | $ 373,666 | $ 116,000 |
| Visalia-Porterville, CA | 3 | $ 240,000 | $ 80,000 | $ 77,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 3 | $ 55,000 | $ 18,333 | $ 162,000 |
| Coeur D'Alene, ID | 2 | $ 18,000 | $ 9,000 | $ 94,000 |
| Durham-Chapel Hill, NC | 2 | $ 20,000 | $ 10,000 | $ 0 |
| Fort Worth-Arlington, TX | 2 | $ 9,000 | $ 4,500 | $ 41,000 |
| Kansas City, MO-KS | 2 | $ 63,000 | $ 31,500 | $ 116,500 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 39,000 | $ 19,500 | $ 64,000 |
| Olympia-Tumwater, WA | 2 | $ 45,000 | $ 22,500 | $ 117,000 |
| Philadelphia, PA | 2 | $ 19,000 | $ 9,500 | $ 78,000 |
| Redding, CA | 2 | $ 210,000 | $ 105,000 | $ 75,000 |
| San Angelo, TX | 2 | $ 43,000 | $ 21,500 | $ 60,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 23,000 | $ 11,500 | $ 73,000 |
| Tucson, AZ | 2 | $ 9,000 | $ 4,500 | $ 41,000 |
| Albuquerque, NM | 1 | $ 10,000 | $ 10,000 | $ 0 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 15,000 | $ 15,000 | $ 100,000 |
| Asheville, NC | 1 | $ 50,000 | $ 50,000 | $ 144,000 |
| Bend-Redmond, OR | 1 | $ 2,000 | $ 2,000 | $ 49,000 |
| Birmingham-Hoover, AL | 1 | $ 7,000 | $ 7,000 | $ 0 |
| Boston, MA | 1 | $ 14,000 | $ 14,000 | $ 56,000 |
| Boulder, CO | 1 | $ 5,000 | $ 5,000 | $ 201,000 |
| Bremerton-Silverdale, WA | 1 | $ 26,000 | $ 26,000 | $ 149,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 5,000 | $ 5,000 | $ 60,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 1,000 | $ 1,000 | $ 9,000 |
| Columbus, OH | 1 | $ 13,000 | $ 13,000 | $ 38,000 |
| Corpus Christi, TX | 1 | $ 10,000 | $ 10,000 | $ 82,000 |
| Dutchess County-Putnam County, NY | 1 | $ 20,000 | $ 20,000 | $ 153,000 |
| El Centro, CA | 1 | $ 3,000 | $ 3,000 | $ 120,000 |
| Eugene, OR | 1 | $ 8,000 | $ 8,000 | $ 80,000 |
| Fort Collins, CO | 1 | $ 7,000 | $ 7,000 | $ 75,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 10,000 | $ 10,000 | $ 84,000 |
| Hanford-Corcoran, CA | 1 | $ 90,000 | $ 90,000 | $ 147,000 |
| Houma-Thibodaux, LA | 1 | $ 15,000 | $ 15,000 | $ 121,000 |
| Joplin, MO | 1 | $ 6,000 | $ 6,000 | $ 58,000 |
| Kahului-Wailuku-Lahaina, HI | 1 | $ 25,000 | $ 25,000 | $ 140,000 |
| Kennewick-Richland, WA | 1 | $ 2,000 | $ 2,000 | $ 52,000 |
| Killeen-Temple, TX | 1 | $ 10,000 | $ 10,000 | $ 0 |
| Knoxville, TN | 1 | $ 20,000 | $ 20,000 | $ 135,000 |
| Laredo, TX | 1 | $ 10,000 | $ 10,000 | $ 0 |
| McAllen-Edinburg-Mission, TX | 1 | $ 3,000 | $ 3,000 | $ 30,000 |
| Medford, OR | 1 | $ 3,000 | $ 3,000 | $ 60,000 |
| Merced, CA | 1 | $ 50,000 | $ 50,000 | $ 115,000 |
| Mobile, AL | 1 | $ 10,000 | $ 10,000 | $ 72,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 25,000 | $ 25,000 | $ 145,000 |
| New Haven-Milford, CT | 1 | $ 5,000 | $ 5,000 | $ 227,000 |
| Ogden-Clearfield, UT | 1 | $ 10,000 | $ 10,000 | $ 0 |
| Prescott, AZ | 1 | $ 50,000 | $ 50,000 | $ 103,000 |
| Provo-Orem, UT | 1 | $ 8,000 | $ 8,000 | $ 85,000 |
| Rochester, NY | 1 | $ 4,000 | $ 4,000 | $ 105,000 |
| Salt Lake City, UT | 1 | $ 3,000 | $ 3,000 | $ 31,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 15,000 | $ 15,000 | $ 147,000 |
| Sherman-Denison, TX | 1 | $ 30,000 | $ 30,000 | $ 164,000 |
| Silver Spring-Frederick-Rockville, MD | 1 | $ 1,000 | $ 1,000 | $ 36,000 |
| Spokane-Spokane Valley, WA | 1 | $ 40,000 | $ 40,000 | $ 115,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 13,000 | $ 13,000 | $ 80,000 |
| Wichita, KS | 1 | $ 10,000 | $ 10,000 | $ 0 |
Mortgage Loan Application Detail Totals for Schoolsfirst 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 Improvement | 5,852 | $364,521,000 | $62,000 | $945,000 | $99,000 | $1,681,000 |
| Refinancing | 2,588 | $751,757,000 | $290,000 | $1,331,000 | $117,000 | $4,116,000 |
| Home Purchase | 1,118 | $451,151,000 | $403,000 | $1,104,000 | $131,000 | $1,038,000 |
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 | 4,292 | $779,366,000 | $181,000 | $1,331,000 | $116,000 | $1,038,000 |
| Hispanic | 3,515 | $471,125,000 | $134,000 | $1,104,000 | $93,000 | $1,681,000 |
| Not Provided | 738 | $118,604,000 | $160,000 | $1,203,000 | $126,000 | $4,116,000 |
| Asian | 526 | $114,101,000 | $216,000 | $928,000 | $114,000 | $384,000 |
| Black or African American | 392 | $58,406,000 | $148,000 | $750,000 | $95,000 | $600,000 |
| American Indian or Alaskan Native | 52 | $13,962,000 | $268,000 | $1,100,000 | $108,000 | $218,000 |
| Native Hawaiian or Other Pacific Islander | 43 | $11,865,000 | $275,000 | $549,000 | $136,000 | $280,000 |
| 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) | 9,558 | $1,567,429,000 | $163,000 | $1,331,000 | $108,000 | $4,116,000 |
| 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 | 6,576 | $1,115,984,000 | $169,000 | $1,202,000 | $110,000 | $1,681,000 |
| Application Denied By Financial Institution | 1,746 | $188,437,000 | $107,000 | $1,331,000 | $87,000 | $756,000 |
| File Closed For Incompleteness | 529 | $144,475,000 | $273,000 | $1,200,000 | $130,000 | $4,116,000 |
| Application Withdrawn By Applicant | 399 | $104,107,000 | $260,000 | $1,000,000 | $121,000 | $520,000 |
| Application Approved But Not Accepted | 308 | $14,426,000 | $46,000 | $720,000 | $108,000 | $1,380,000 |
| 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 | 801 | $80,726,000 | $100,000 | $1,203,000 | $66,000 | $254,000 |
| Credit History | 471 | $45,856,000 | $97,000 | $853,000 | $100,000 | $600,000 |
| Other | 226 | $21,693,000 | $95,000 | $1,331,000 | $103,000 | $755,000 |
| Unverifiable Information | 127 | $7,201,000 | $56,000 | $907,000 | $118,000 | $756,000 |
| Collateral | 86 | $26,427,000 | $307,000 | $815,000 | $122,000 | $297,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 18 | $5,286,000 | $293,000 | $648,000 | $120,000 | $303,000 |
| Employment History | 16 | $1,223,000 | $76,000 | $590,000 | $93,000 | $242,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Schoolsfirst'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 Schoolsfirst'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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