The Cal-Bay Mortgage Group Mortgage Lending & HMDA Data, 2005
In 2005, The Cal-Bay Mortgage Group of Petaluma, CA reported 2,666 mortgage applications totaling $794.7 million, down 4% from 2004. The average application was for $298,078, and applicants reported an average income of $108,427. 68% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Santa Rosa-Petaluma, CA (962), Oakland-Fremont-Hayward, CA (429) and Napa, CA (303) (applications in parentheses).
| Mortgage Company & Address | The Cal-Bay Mortgage Group 939 Transport Way Petaluma, CA 94954 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,666 |
| Total Mortgage Loan Application Amount | $794,677,000 |
| Average Mortgage Loan Application Amount | $298,078 |
| Highest Mortgage Loan Application Amount | $6,020,000 |
| Average Applicant Income | $108,427 |
| Highest Applicant Income | $815,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records The Cal-Bay Mortgage Group filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 The Cal-Bay Mortgage Group in 2005
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 | 1,463 | $415,706,000 | $280,000 | $1,500,000 | $129,333 | $815,000 |
| Refinancing | 1,203 | $378,971,000 | $283,000 | $6,020,000 | $117,000 | $739,000 |
| 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 | 1,936 | $585,819,000 | $268,000 | $6,020,000 | $118,000 | $815,000 |
| Hispanic | 533 | $152,557,000 | $226,000 | $770,000 | $91,666 | $393,000 |
| Asian | 82 | $24,195,000 | $640,000 | $1,393,000 | $270,000 | $615,000 |
| Black or African American | 45 | $12,801,000 | $271,500 | $1,000,000 | $93,000 | $420,000 |
| Not Provided | 42 | $9,915,000 | $246,666 | $650,000 | $90,000 | $739,000 |
| Native Hawaiian or Other Pacific Islander | 16 | $5,678,000 | $348,000 | $800,000 | $112,500 | $247,000 |
| American Indian or Alaskan Native | 12 | $3,712,000 | $309,000 | $950,000 | $142,000 | $442,000 |
| 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) | 2,604 | $782,988,000 | $279,000 | $6,020,000 | $125,666 | $815,000 |
| FHA-insured (Federal Housing Administration) | 61 | $11,449,000 | $204,500 | $318,000 | $60,000 | $153,000 |
| VA-guaranteed (Veterans Administration) | 1 | $240,000 | $240,000 | $240,000 | $58,000 | $58,000 |
| 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 | 1,824 | $579,200,000 | $333,666 | $1,500,000 | $144,666 | $815,000 |
| Application Withdrawn By Applicant | 623 | $148,793,000 | $236,666 | $1,463,000 | $107,000 | $598,000 |
| Application Approved But Not Accepted | 152 | $40,443,000 | $189,000 | $1,000,000 | $116,333 | $563,000 |
| Application Denied By Financial Institution | 51 | $21,278,000 | $417,000 | $6,020,000 | $132,000 | $600,000 |
| File Closed For Incompleteness | 16 | $4,963,000 | $286,500 | $950,000 | $106,000 | $175,000 |
| 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 | 13 | $13,384,000 | $1,029,000 | $6,020,000 | $92,000 | $372,000 |
| Credit Application Incomplete | 10 | $2,515,000 | $251,000 | $480,000 | $122,000 | $342,000 |
| Other | 9 | $3,277,000 | $364,000 | $580,000 | $221,000 | $469,000 |
| Collateral | 6 | $844,000 | $140,000 | $410,000 | $74,000 | $81,000 |
| Employment History | 4 | $492,000 | $123,000 | $352,000 | $38,000 | $94,000 |
| Mortgage Insurance Denied | 2 | $175,000 | $87,000 | $170,000 | $51,000 | $51,000 |
| Unverifiable Information | 1 | $122,000 | $122,000 | $122,000 | $92,000 | $92,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Cal-Bay Mortgage Group's 2005 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 The Cal-Bay Mortgage Group'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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