Taylor & Company Mortgage Mortgage Lending & HMDA Data, 2004
In 2004, Taylor & Company Mortgage of Capitola, CA reported 433 mortgage applications totaling $138.2 million, up 39% from 2003. The average application was for $319,166, and applicants reported an average income of $119,745. 99% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Santa Cruz-Watsonville, CA (224), San Jose-Sunnyvale-Santa Clara, CA (64) and Salinas, CA (25) (applications in parentheses).
| Mortgage Company & Address | Taylor & Company Mortgage 522 Capitola Ave Capitola, CA 95010 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2004 2003 |
| Total Number of Mortgage Applications | 433 |
| Total Mortgage Loan Application Amount | $138,199,000 |
| Average Mortgage Loan Application Amount | $319,166 |
| Highest Mortgage Loan Application Amount | $1,250,000 |
| Average Applicant Income | $119,745 |
| Highest Applicant Income | $516,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Taylor & Company Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Taylor & Company Mortgage 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 |
|---|---|---|---|---|---|---|
| Refinancing | 254 | $84,409,000 | $192,000 | $1,250,000 | $90,600 | $516,000 |
| Home Purchase | 179 | $53,790,000 | $209,400 | $690,000 | $137,600 | $494,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 323 | $107,022,000 | $195,571 | $1,250,000 | $126,000 | $516,000 |
| Hispanic | 73 | $19,631,000 | $232,500 | $516,000 | $61,000 | $399,000 |
| Not Provided | 20 | $6,460,000 | $323,000 | $665,000 | $149,000 | $494,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $1,561,000 | $208,500 | $420,000 | $75,000 | $129,000 |
| Asian | 5 | $1,476,000 | $295,000 | $514,000 | $143,000 | $191,000 |
| Black or African American | 3 | $913,000 | $304,000 | $425,000 | $52,000 | $58,000 |
| American Indian or Alaskan Native | 3 | $1,136,000 | $378,000 | $550,000 | $168,000 | $314,000 |
| 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) | 433 | $138,199,000 | $194,000 | $1,250,000 | $123,285 | $516,000 |
| 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 | 430 | $137,578,000 | $194,142 | $1,250,000 | $123,285 | $516,000 |
| Application Approved But Not Accepted | 3 | $621,000 | $207,000 | $334,000 | $80,000 | $90,000 |
| 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 |
| 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 |
|---|---|---|---|---|---|---|
| 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 Taylor & Company Mortgage'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 Taylor & Company 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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with aggregated HMDA statistics today.
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