South Lake Mortgage Mortgage Lending & HMDA Data, 2006
In 2006, South Lake Mortgage of Laguna Hills, CA reported 2,525 mortgage applications totaling $801.7 million. The average application was for $317,499, and applicants reported an average income of $149,484. 22% of its applications resulted in an originated loan and 35% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (589), Riverside-San Bernardino-Ontario, CA (481) and San Diego-Carlsbad-San Marcos, CA (307) (applications in parentheses).
| Mortgage Company & Address | South Lake Mortgage 24422 Avenida De La Carlota, Sutie 120 Laguna Hills, CA 92653 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 |
| Total Number of Mortgage Applications | 2,525 |
| Total Mortgage Loan Application Amount | $801,686,000 |
| Average Mortgage Loan Application Amount | $317,499 |
| Highest Mortgage Loan Application Amount | $1,575,000 |
| Average Applicant Income | $149,484 |
| Highest Applicant Income | $1,883,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records South Lake Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 589 | $ 221,069,000 | $ 375,329 | $ 162,000 |
| San Diego, California | 307 | $ 105,779,000 | $ 344,557 | $ 175,000 |
| Riverside, California | 261 | $ 82,638,000 | $ 316,620 | $ 143,000 |
| San Bernardino, California | 220 | $ 53,376,000 | $ 242,618 | $ 124,000 |
| Orange, California | 120 | $ 48,140,000 | $ 401,166 | $ 173,000 |
| Maricopa, Arizona | 119 | $ 27,427,000 | $ 230,478 | $ 123,000 |
| Fresno, California | 92 | $ 19,643,000 | $ 213,510 | $ 87,000 |
| Alameda, California | 72 | $ 26,625,000 | $ 369,791 | $ 150,000 |
| Contra Costa, California | 72 | $ 24,622,000 | $ 341,972 | $ 138,000 |
| Kern, California | 46 | $ 8,993,000 | $ 195,500 | $ 87,000 |
| Sacramento, California | 46 | $ 13,806,000 | $ 300,130 | $ 121,000 |
| San Joaquin, California | 35 | $ 10,278,000 | $ 293,657 | $ 146,000 |
| Santa Barbara, California | 33 | $ 10,150,000 | $ 307,575 | $ 124,000 |
| Imperial, California | 28 | $ 5,223,000 | $ 186,535 | $ 164,000 |
| Denver, Colorado | 27 | $ 4,571,000 | $ 169,296 | $ 114,000 |
| Ventura, California | 25 | $ 13,256,000 | $ 530,240 | $ 270,000 |
| Tulare, California | 22 | $ 4,041,000 | $ 183,681 | $ 151,000 |
| Santa Clara, California | 21 | $ 9,098,000 | $ 433,238 | $ 142,000 |
| Adams, Colorado | 21 | $ 2,238,000 | $ 106,571 | $ 66,000 |
| Clark, Nevada | 20 | $ 4,447,000 | $ 222,350 | $ 117,000 |
| El Dorado, California | 19 | $ 6,411,000 | $ 337,421 | $ 157,000 |
| Solano, California | 17 | $ 6,365,000 | $ 374,411 | $ 124,000 |
| Pinal, Arizona | 16 | $ 2,504,000 | $ 156,500 | $ 89,000 |
| Placer, California | 15 | $ 7,953,000 | $ 530,200 | $ 392,000 |
| Weld, Colorado | 13 | $ 2,644,000 | $ 203,384 | $ 115,000 |
| Madera, California | 11 | $ 2,233,000 | $ 203,000 | $ 77,000 |
| Sonoma, California | 11 | $ 5,644,000 | $ 513,090 | $ 184,000 |
| Arapahoe, Colorado | 11 | $ 2,761,000 | $ 251,000 | $ 110,000 |
| San Benito, California | 10 | $ 3,748,000 | $ 374,800 | $ 148,000 |
| San Mateo, California | 10 | $ 5,389,000 | $ 538,900 | $ 250,000 |
| Jefferson, Colorado | 10 | $ 2,201,000 | $ 220,100 | $ 119,000 |
| San Luis Obispo, California | 9 | $ 3,254,000 | $ 361,555 | $ 149,000 |
| Stanislaus, California | 9 | $ 3,251,000 | $ 361,222 | $ 116,000 |
| Douglas, Colorado | 8 | $ 1,627,000 | $ 203,375 | $ 131,000 |
| Pueblo, Colorado | 8 | $ 744,000 | $ 93,000 | $ 81,000 |
| Broward, Florida | 8 | $ 1,133,000 | $ 141,625 | $ 73,000 |
| Butte, California | 7 | $ 1,587,000 | $ 226,714 | $ 108,000 |
| Merced, California | 7 | $ 2,245,000 | $ 320,714 | $ 109,000 |
| Monterey, California | 7 | $ 3,500,000 | $ 500,000 | $ 161,000 |
| San Francisco, California | 7 | $ 3,577,000 | $ 511,000 | $ 259,000 |
| El Paso, Colorado | 7 | $ 1,499,000 | $ 214,142 | $ 303,000 |
| Miami-Dade, Florida | 7 | $ 1,138,000 | $ 162,571 | $ 77,000 |
| Larimer, Colorado | 6 | $ 2,306,000 | $ 384,333 | $ 207,000 |
| Bernalillo, New Mexico | 6 | $ 637,000 | $ 106,166 | $ 70,000 |
| Marin, California | 5 | $ 1,573,000 | $ 314,600 | $ 265,000 |
| Boulder, Colorado | 5 | $ 3,760,000 | $ 752,000 | $ 405,000 |
| Palm Beach, Florida | 5 | $ 1,236,000 | $ 247,200 | $ 129,000 |
| Volusia, Florida | 5 | $ 756,000 | $ 151,200 | $ 59,000 |
| Washoe, Nevada | 5 | $ 1,280,000 | $ 256,000 | $ 75,000 |
| Pima, Arizona | 4 | $ 606,000 | $ 151,500 | $ 79,000 |
| Yuma, Arizona | 4 | $ 741,000 | $ 185,250 | $ 803,000 |
| Shasta, California | 4 | $ 803,000 | $ 200,750 | $ 74,000 |
| Yolo, California | 4 | $ 1,315,000 | $ 328,750 | $ 233,000 |
| Yuba, California | 4 | $ 673,000 | $ 168,250 | $ 89,000 |
| Lee, Florida | 4 | $ 1,228,000 | $ 307,000 | $ 103,000 |
| Sutter, California | 3 | $ 1,659,000 | $ 553,000 | $ 135,000 |
| Washington, Utah | 3 | $ 335,000 | $ 111,666 | $ 69,000 |
| Glenn, California | 2 | $ 586,000 | $ 293,000 | $ 267,000 |
| Nevada, California | 2 | $ 448,000 | $ 224,000 | $ 87,000 |
| Duval, Florida | 2 | $ 1,034,000 | $ 517,000 | $ 179,000 |
| Lake, Florida | 2 | $ 230,000 | $ 115,000 | $ 73,000 |
| Martin, Florida | 2 | $ 775,000 | $ 387,500 | $ 669,000 |
| Polk, Florida | 2 | $ 158,000 | $ 79,000 | $ 83,000 |
| Elko, Nevada | 2 | $ 456,000 | $ 228,000 | $ 66,000 |
| Clackamas, Oregon | 2 | $ 747,000 | $ 373,500 | $ 167,000 |
| Washington, Oregon | 2 | $ 662,000 | $ 331,000 | $ 106,000 |
| Montgomery, Texas | 2 | $ 93,000 | $ 46,500 | $ 81,000 |
| Utah, Utah | 2 | $ 199,000 | $ 99,500 | $ 58,000 |
| Wasatch, Utah | 2 | $ 1,530,000 | $ 765,000 | $ 430,000 |
| Coconino, Arizona | 1 | $ 473,000 | $ 473,000 | $ 132,000 |
| Navajo, Arizona | 1 | $ 67,000 | $ 67,000 | $ 22,000 |
| Yavapai, Arizona | 1 | $ 312,000 | $ 312,000 | $ 266,000 |
| Calaveras, California | 1 | $ 274,000 | $ 274,000 | $ 77,000 |
| Colusa, California | 1 | $ 130,000 | $ 130,000 | $ 36,000 |
| Humboldt, California | 1 | $ 266,000 | $ 266,000 | $ 78,000 |
| Kings, California | 1 | $ 177,000 | $ 177,000 | $ 81,000 |
| Lake, California | 1 | $ 164,000 | $ 164,000 | $ 41,000 |
| Mendocino, California | 1 | $ 230,000 | $ 230,000 | $ 107,000 |
| Napa, California | 1 | $ 410,000 | $ 410,000 | $ 141,000 |
| Santa Cruz, California | 1 | $ 573,000 | $ 573,000 | $ 285,000 |
| Tuolumne, California | 1 | $ 200,000 | $ 200,000 | $ 49,000 |
| Clear Creek, Colorado | 1 | $ 255,000 | $ 255,000 | $ 114,000 |
| Mesa, Colorado | 1 | $ 200,000 | $ 200,000 | $ 102,000 |
| Morgan, Colorado | 1 | $ 85,000 | $ 85,000 | $ 100,000 |
| Park, Colorado | 1 | $ 960,000 | $ 960,000 | $ 292,000 |
| Baker, Florida | 1 | $ 138,000 | $ 138,000 | $ 60,000 |
| Brevard, Florida | 1 | $ 220,000 | $ 220,000 | $ 101,000 |
| Charlotte, Florida | 1 | $ 392,000 | $ 392,000 | $ 98,000 |
| Escambia, Florida | 1 | $ 95,000 | $ 95,000 | $ 63,000 |
| Hillsborough, Florida | 1 | $ 257,000 | $ 257,000 | $ 57,000 |
| Osceola, Florida | 1 | $ 200,000 | $ 200,000 | $ 42,000 |
| Pinellas, Florida | 1 | $ 239,000 | $ 239,000 | $ 80,000 |
| Honolulu, Hawaii | 1 | $ 325,000 | $ 325,000 | $ 40,000 |
| Suffolk, Massachusetts | 1 | $ 600,000 | $ 600,000 | $ 432,000 |
| New Hanover, North Carolina | 1 | $ 213,000 | $ 213,000 | $ 80,000 |
| Curry, Oregon | 1 | $ 435,000 | $ 435,000 | $ 82,000 |
| Jackson, Oregon | 1 | $ 170,000 | $ 170,000 | $ 29,000 |
| Clark, Washington | 1 | $ 225,000 | $ 225,000 | $ 30,000 |
| King, Washington | 1 | $ 664,000 | $ 664,000 | $ 162,000 |
| Sweetwater, Wyoming | 1 | $ 83,000 | $ 83,000 | $ 58,000 |
Mortgage Loan Application Detail Totals for South Lake Mortgage in 2006
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 | 1,268 | $349,319,000 | $275,000 | $1,575,000 | $152,000 | $1,076,000 |
| Refinancing | 1,256 | $452,139,000 | $359,000 | $1,485,000 | $147,000 | $1,883,000 |
| Home Improvement | 1 | $228,000 | $228,000 | $228,000 | $80,000 | $80,000 |
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 |
|---|---|---|---|---|---|---|
| Hispanic | 1,124 | $311,765,000 | $277,000 | $1,575,000 | $133,000 | $1,883,000 |
| White | 543 | $192,025,000 | $353,000 | $1,360,000 | $170,000 | $1,071,000 |
| Not Provided | 417 | $149,302,000 | $358,000 | $1,350,000 | $147,000 | $844,000 |
| Black or African American | 288 | $95,319,000 | $330,000 | $1,485,000 | $163,000 | $1,076,000 |
| Asian | 104 | $35,591,000 | $342,000 | $1,200,000 | $175,000 | $491,000 |
| Native Hawaiian or Other Pacific Islander | 42 | $15,119,000 | $359,000 | $809,000 | $177,000 | $369,000 |
| American Indian or Alaskan Native | 7 | $2,565,000 | $366,000 | $787,000 | $238,000 | $578,000 |
| 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) | 2,525 | $801,686,000 | $317,000 | $1,575,000 | $149,000 | $1,883,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Approved But Not Accepted | 905 | $293,666,000 | $324,000 | $1,575,000 | $146,000 | $1,341,000 |
| Application Denied By Financial Institution | 891 | $282,697,000 | $317,000 | $1,485,000 | $156,000 | $1,076,000 |
| Loan Originated | 543 | $168,278,000 | $309,000 | $1,200,000 | $141,000 | $1,883,000 |
| Application Withdrawn By Applicant | 128 | $38,666,000 | $302,000 | $1,360,000 | $163,000 | $921,000 |
| File Closed For Incompleteness | 58 | $18,379,000 | $316,000 | $800,000 | $153,000 | $528,000 |
| 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 | 284 | $87,759,000 | $309,000 | $1,350,000 | $139,000 | $669,000 |
| Debt-To-Income Ratio | 114 | $37,209,000 | $326,000 | $842,000 | $126,000 | $578,000 |
| Collateral | 79 | $25,421,000 | $321,000 | $1,485,000 | $211,000 | $1,076,000 |
| Unverifiable Information | 77 | $24,911,000 | $323,000 | $933,000 | $178,000 | $558,000 |
| Employment History | 62 | $22,155,000 | $357,000 | $1,000,000 | $154,000 | $369,000 |
| Other | 61 | $20,128,000 | $329,000 | $990,000 | $185,000 | $859,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 33 | $9,527,000 | $288,000 | $816,000 | $154,000 | $441,000 |
| Credit Application Incomplete | 4 | $1,147,000 | $286,000 | $680,000 | $148,000 | $360,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into South Lake Mortgage's 2006 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 South Lake Mortgage'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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