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records Taylor & Company Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Santa Cruz, California | 224 | $ 81,441,000 | $ 363,575 | $ 124,000 |
| Santa Clara, California | 59 | $ 18,580,000 | $ 314,915 | $ 131,000 |
| Monterey, California | 25 | $ 7,819,000 | $ 312,760 | $ 113,000 |
| Alameda, California | 10 | $ 2,964,000 | $ 296,400 | $ 126,000 |
| San Joaquin, California | 10 | $ 2,399,000 | $ 239,900 | $ 70,000 |
| Contra Costa, California | 7 | $ 2,412,000 | $ 344,571 | $ 134,000 |
| Stanislaus, California | 7 | $ 1,625,000 | $ 232,142 | $ 76,000 |
| Riverside, California | 6 | $ 1,624,000 | $ 270,666 | $ 111,000 |
| Sacramento, California | 5 | $ 699,000 | $ 139,800 | $ 55,000 |
| San Benito, California | 5 | $ 2,057,000 | $ 411,400 | $ 78,000 |
| San Mateo, California | 5 | $ 1,470,000 | $ 294,000 | $ 148,000 |
| Sonoma, California | 5 | $ 963,000 | $ 192,600 | $ 116,000 |
| Clark, Nevada | 5 | $ 769,000 | $ 153,800 | $ 65,000 |
| Butte, California | 4 | $ 886,000 | $ 221,500 | $ 107,000 |
| Fresno, California | 4 | $ 951,000 | $ 237,750 | $ 52,000 |
| San Francisco, California | 4 | $ 1,474,000 | $ 368,500 | $ 145,000 |
| Tulare, California | 4 | $ 396,000 | $ 99,000 | $ 125,000 |
| Lane, Oregon | 4 | $ 488,000 | $ 122,000 | $ 70,000 |
| Merced, California | 3 | $ 728,000 | $ 242,666 | $ 98,000 |
| Yolo, California | 3 | $ 656,000 | $ 218,666 | $ 75,000 |
| Lake, California | 2 | $ 500,000 | $ 250,000 | $ 494,000 |
| Madera, California | 2 | $ 389,000 | $ 194,500 | $ 79,000 |
| Orange, California | 2 | $ 355,000 | $ 177,500 | $ 87,000 |
| Placer, California | 2 | $ 660,000 | $ 330,000 | $ 106,000 |
| Siskiyou, California | 2 | $ 192,000 | $ 96,000 | $ 138,000 |
| Hawaii, Hawaii | 2 | $ 118,000 | $ 59,000 | $ 153,000 |
| Juneau, Alaska | 1 | $ 240,000 | $ 240,000 | $ 81,000 |
| Amador, California | 1 | $ 159,000 | $ 159,000 | $ 175,000 |
| Calaveras, California | 1 | $ 255,000 | $ 255,000 | $ 185,000 |
| El Dorado, California | 1 | $ 480,000 | $ 480,000 | $ 430,000 |
| Humboldt, California | 1 | $ 185,000 | $ 185,000 | $ 212,000 |
| Kern, California | 1 | $ 128,000 | $ 128,000 | $ 82,000 |
| Napa, California | 1 | $ 685,000 | $ 685,000 | $ 0 |
| Nevada, California | 1 | $ 163,000 | $ 163,000 | $ 138,000 |
| San Diego, California | 1 | $ 315,000 | $ 315,000 | $ 74,000 |
| Solano, California | 1 | $ 280,000 | $ 280,000 | $ 55,000 |
| Ventura, California | 1 | $ 334,000 | $ 334,000 | $ 131,000 |
| Yuba, California | 1 | $ 160,000 | $ 160,000 | $ 78,000 |
| Maui, Hawaii | 1 | $ 650,000 | $ 650,000 | $ 415,000 |
| Missoula, Montana | 1 | $ 143,000 | $ 143,000 | $ 114,000 |
| Washoe, Nevada | 1 | $ 260,000 | $ 260,000 | $ 90,000 |
| Colfax, New Mexico | 1 | $ 76,000 | $ 76,000 | $ 143,000 |
| Benton, Oregon | 1 | $ 115,000 | $ 115,000 | $ 24,000 |
| Clatsop, Oregon | 1 | $ 288,000 | $ 288,000 | $ 66,000 |
| Deschutes, Oregon | 1 | $ 140,000 | $ 140,000 | $ 61,000 |
| Linn, Oregon | 1 | $ 140,000 | $ 140,000 | $ 0 |
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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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