Temecula Valley Bank, N.A. Mortgage Lending & HMDA Data, 2004
In 2004, Temecula Valley Bank, N.A. of Temecula, CA reported 272 mortgage applications totaling $62.6 million, down 62% from 2003. The average application was for $230,055, and applicants reported an average income of $82,158. 68% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (217), San Diego-Carlsbad-San Marcos, CA (37) and Santa Ana-Anaheim-Irvine, CA (7) (applications in parentheses).
| Mortgage Company & Address | Temecula Valley Bank, N.A. 27710 Jefferson Ave. A100 Temecula, CA 92590 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2004 2003 |
| Total Number of Mortgage Applications | 272 |
| Total Mortgage Loan Application Amount | $62,575,000 |
| Average Mortgage Loan Application Amount | $230,055 |
| Highest Mortgage Loan Application Amount | $859,000 |
| Average Applicant Income | $82,158 |
| Highest Applicant Income | $579,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Temecula Valley Bank, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Riverside, California | 208 | $ 48,338,000 | $ 232,394 | $ 78,000 |
| San Diego, California | 37 | $ 9,365,000 | $ 253,108 | $ 79,000 |
| San Bernardino, California | 9 | $ 1,392,000 | $ 154,666 | $ 75,000 |
| Orange, California | 7 | $ 1,328,000 | $ 189,714 | $ 119,000 |
| Los Angeles, California | 3 | $ 680,000 | $ 226,666 | $ 94,000 |
| Maricopa, Arizona | 2 | $ 397,000 | $ 198,500 | $ 123,000 |
| Navajo, Arizona | 1 | $ 220,000 | $ 220,000 | $ 101,000 |
| Yavapai, Arizona | 1 | $ 166,000 | $ 166,000 | $ 167,000 |
| Jackson, Missouri | 1 | $ 79,000 | $ 79,000 | $ 38,000 |
| Cabarrus, North Carolina | 1 | $ 228,000 | $ 228,000 | $ 0 |
| Delaware, Ohio | 1 | $ 280,000 | $ 280,000 | $ 398,000 |
| Salt Lake, Utah | 1 | $ 102,000 | $ 102,000 | $ 106,000 |
Mortgage Loan Application Detail Totals for Temecula Valley Bank, N.A. 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 | 156 | $36,510,000 | $174,000 | $859,000 | $155,000 | $418,000 |
| Home Purchase | 114 | $25,670,000 | $216,333 | $615,000 | $71,000 | $579,000 |
| Home Improvement | 2 | $395,000 | $197,000 | $225,000 | $47,000 | $49,000 |
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 | 116 | $28,520,000 | $193,500 | $859,000 | $80,000 | $579,000 |
| Hispanic | 79 | $16,108,000 | $203,000 | $441,000 | $61,000 | $177,000 |
| Not Provided | 66 | $14,838,000 | $251,500 | $650,000 | $244,500 | $398,000 |
| Black or African American | 6 | $1,784,000 | $210,000 | $650,000 | $70,500 | $172,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $514,000 | $257,000 | $320,000 | $98,000 | $140,000 |
| Asian | 2 | $296,000 | $148,000 | $188,000 | $53,000 | $106,000 |
| Not applicable | 1 | $515,000 | $515,000 | $515,000 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 225 | $53,404,000 | $187,166 | $859,000 | $126,333 | $579,000 |
| FHA-insured (Federal Housing Administration) | 41 | $7,943,000 | $193,000 | $280,000 | $58,000 | $226,000 |
| VA-guaranteed (Veterans Administration) | 6 | $1,228,000 | $204,000 | $259,000 | $63,000 | $77,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 186 | $44,234,000 | $171,333 | $859,000 | $79,333 | $418,000 |
| Application Withdrawn By Applicant | 36 | $7,978,000 | $173,666 | $615,000 | $110,666 | $579,000 |
| Application Approved But Not Accepted | 23 | $5,198,000 | $226,000 | $600,000 | $89,000 | $195,000 |
| Application Denied By Financial Institution | 21 | $3,970,000 | $230,000 | $566,000 | $158,000 | $398,000 |
| File Closed For Incompleteness | 6 | $1,195,000 | $199,000 | $323,000 | $79,000 | $126,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 8 | $1,772,000 | $239,333 | $566,000 | $166,333 | $398,000 |
| Credit History | 6 | $1,001,000 | $166,000 | $259,000 | $76,000 | $174,000 |
| Debt-To-Income Ratio | 4 | $656,000 | $164,000 | $264,000 | $67,000 | $169,000 |
| Other | 2 | $377,000 | $188,000 | $210,000 | $62,000 | $87,000 |
| Unverifiable Information | 1 | $164,000 | $164,000 | $164,000 | $19,000 | $19,000 |
| Credit Application Incomplete | 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 Temecula Valley Bank, N.A.'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 Temecula Valley Bank, N.A.'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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