Caliber Home Loans, Inc. Mortgage Lending & HMDA Data, 2005
In 2005, Caliber Home Loans, Inc. of Wilmington, DE reported 3,295 mortgage applications totaling $151.4 million, down 36% from 2004. The average application was for $45,949, and applicants reported an average income of $37,026. 29% of its applications resulted in an originated loan and 55% were denied. Its largest markets were San Antonio, TX (325), Houston-Baytown-Sugar Land, TX (261) and Beaumont-Port Arthur, TX (170) (applications in parentheses).
| Mortgage Company & Address | Caliber Home Loans, Inc. 1525 S. Beltline Road Wilmington, DE 75019 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 3,295 |
| Total Mortgage Loan Application Amount | $151,403,000 |
| Average Mortgage Loan Application Amount | $45,949 |
| Highest Mortgage Loan Application Amount | $151,000 |
| Average Applicant Income | $37,026 |
| Highest Applicant Income | $800,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Caliber Home Loans, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| San Antonio, TX | 325 | $ 15,514,000 | $ 47,735 | $ 35,000 |
| Houston-Baytown-Sugar Land, TX | 261 | $ 12,919,000 | $ 49,498 | $ 37,000 |
| Beaumont-Port Arthur, TX | 170 | $ 7,374,000 | $ 43,376 | $ 36,000 |
| Fort Worth-Arlington, TX | 142 | $ 7,036,000 | $ 49,549 | $ 42,000 |
| Dallas-Plano-Irving, TX | 104 | $ 5,130,000 | $ 49,326 | $ 34,000 |
| Wichita, KS | 95 | $ 3,789,000 | $ 39,884 | $ 32,000 |
| Austin-Round Rock, TX | 83 | $ 4,145,000 | $ 49,939 | $ 35,000 |
| Oklahoma City, OK | 74 | $ 3,489,000 | $ 47,148 | $ 38,000 |
| Odessa, TX | 71 | $ 3,429,000 | $ 48,295 | $ 40,000 |
| Tulsa, OK | 70 | $ 3,208,000 | $ 45,828 | $ 33,000 |
| Corpus Christi, TX | 65 | $ 2,971,000 | $ 45,707 | $ 39,000 |
| Midland, TX | 40 | $ 1,926,000 | $ 48,150 | $ 42,000 |
| Mobile, AL | 36 | $ 1,621,000 | $ 45,027 | $ 35,000 |
| Lake Charles, LA | 33 | $ 1,255,000 | $ 38,030 | $ 31,000 |
| Tyler, TX | 33 | $ 1,588,000 | $ 48,121 | $ 34,000 |
| McAllen-Edinburg-Pharr, TX | 29 | $ 1,212,000 | $ 41,793 | $ 30,000 |
| Longview, TX | 28 | $ 1,317,000 | $ 47,035 | $ 40,000 |
| Victoria, TX | 26 | $ 1,226,000 | $ 47,153 | $ 31,000 |
| Hot Springs, AR | 25 | $ 1,089,000 | $ 43,560 | $ 27,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 21 | $ 1,663,000 | $ 79,190 | $ 64,000 |
| Texarkana, Tx-Texarkana, AR | 21 | $ 1,097,000 | $ 52,238 | $ 40,000 |
| Dothan, AL | 19 | $ 859,000 | $ 45,210 | $ 28,000 |
| Killeen-Temple-Fort Hood, TX | 17 | $ 790,000 | $ 46,470 | $ 32,000 |
| El Paso, TX | 16 | $ 556,000 | $ 34,750 | $ 25,000 |
| Farmington, NM | 16 | $ 795,000 | $ 49,687 | $ 36,000 |
| Little Rock-North Little Rock, AR | 16 | $ 622,000 | $ 38,875 | $ 28,000 |
| College Station-Bryan, TX | 14 | $ 917,000 | $ 65,500 | $ 43,000 |
| Joplin, MO | 12 | $ 446,000 | $ 37,166 | $ 34,000 |
| Abilene, TX | 9 | $ 412,000 | $ 45,777 | $ 42,000 |
| Charleston, WV | 9 | $ 251,000 | $ 27,888 | $ 24,000 |
| Columbia, MO | 9 | $ 322,000 | $ 35,777 | $ 23,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 9 | $ 342,000 | $ 38,000 | $ 27,000 |
| Brownsville-Harlingen, TX | 8 | $ 343,000 | $ 42,875 | $ 29,000 |
| Albany-Schenectady-Troy, NY | 7 | $ 158,000 | $ 22,571 | $ 43,000 |
| Gulfport-Biloxi, MS | 7 | $ 290,000 | $ 41,428 | $ 38,000 |
| Los Angeles-Long Beach-Glendale, CA | 7 | $ 415,000 | $ 59,285 | $ 65,000 |
| Valdosta, GA | 7 | $ 282,000 | $ 40,285 | $ 40,000 |
| Panama City-Lynn Haven, FL | 6 | $ 420,000 | $ 70,000 | $ 38,000 |
| Riverside-San Bernardino-Ontario, CA | 6 | $ 272,000 | $ 45,333 | $ 33,000 |
| Santa Fe, NM | 6 | $ 207,000 | $ 34,500 | $ 33,000 |
| New Orleans-Metairie-Kenner, LA | 5 | $ 210,000 | $ 42,000 | $ 35,000 |
| Pine Bluff, AR | 5 | $ 182,000 | $ 36,400 | $ 37,000 |
| Portland-Vancouver-Beaverton, OR-WA | 5 | $ 235,000 | $ 47,000 | $ 38,000 |
| Santa Ana-Anaheim-Irvine, CA | 5 | $ 356,000 | $ 71,200 | $ 53,000 |
| Greenville, NC | 4 | $ 157,000 | $ 39,250 | $ 23,000 |
| Jefferson City, MO | 4 | $ 174,000 | $ 43,500 | $ 34,000 |
| Lafayette, LA | 4 | $ 140,000 | $ 35,000 | $ 35,000 |
| Las Cruces, NM | 4 | $ 126,000 | $ 31,500 | $ 23,000 |
| Oakland-Fremont-Hayward, CA | 4 | $ 241,000 | $ 60,250 | $ 93,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 4 | $ 308,000 | $ 77,000 | $ 43,000 |
| Shreveport-Bossier City, LA | 4 | $ 156,000 | $ 39,000 | $ 25,000 |
| Wichita Falls, TX | 4 | $ 228,000 | $ 57,000 | $ 29,000 |
| Albany, GA | 3 | $ 151,000 | $ 50,333 | $ 34,000 |
| Albuquerque, NM | 3 | $ 101,000 | $ 33,666 | $ 35,000 |
| Baltimore-Towson, MD | 3 | $ 136,000 | $ 45,333 | $ 53,000 |
| Durham, NC | 3 | $ 183,000 | $ 61,000 | $ 73,000 |
| Houma-Bayou Cane-Thibodaux, LA | 3 | $ 107,000 | $ 35,666 | $ 23,000 |
| Kansas City, MO-KS | 3 | $ 130,000 | $ 43,333 | $ 27,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3 | $ 81,000 | $ 27,000 | $ 43,000 |
| Pascagoula, MS | 3 | $ 135,000 | $ 45,000 | $ 42,000 |
| Raleigh-Cary, NC | 3 | $ 132,000 | $ 44,000 | $ 25,000 |
| Rochester, NY | 3 | $ 92,000 | $ 30,666 | $ 45,000 |
| San Francisco-San Mateo-Redwood City, CA | 3 | $ 178,000 | $ 59,333 | $ 57,000 |
| Santa Rosa-Petaluma, CA | 3 | $ 194,000 | $ 64,666 | $ 53,000 |
| St. Louis, MO-IL | 3 | $ 82,000 | $ 27,333 | $ 35,000 |
| Stockton, CA | 3 | $ 109,000 | $ 36,333 | $ 47,000 |
| Vallejo-Fairfield, CA | 3 | $ 149,000 | $ 49,666 | $ 57,000 |
| Warren-Farmington Hills-Troy, MI | 3 | $ 122,000 | $ 40,666 | $ 41,000 |
| Charleston-North Charleston, SC | 2 | $ 71,000 | $ 35,500 | $ 29,000 |
| Colorado Springs, CO | 2 | $ 56,000 | $ 28,000 | $ 36,000 |
| Dalton, GA | 2 | $ 122,000 | $ 61,000 | $ 26,000 |
| Denver-Aurora, CO | 2 | $ 70,000 | $ 35,000 | $ 41,000 |
| Detroit-Livonia-Dearborn, MI | 2 | $ 80,000 | $ 40,000 | $ 27,000 |
| Fayetteville, NC | 2 | $ 102,000 | $ 51,000 | $ 25,000 |
| Fort Smith, AR-OK | 2 | $ 84,000 | $ 42,000 | $ 49,000 |
| Hattiesburg, MS | 2 | $ 67,000 | $ 33,500 | $ 18,000 |
| Laredo, TX | 2 | $ 83,000 | $ 41,500 | $ 37,000 |
| Macon, GA | 2 | $ 111,000 | $ 55,500 | $ 35,000 |
| Nashville-Davidson--Murfreesboro, TN | 2 | $ 125,000 | $ 62,500 | $ 41,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 61,000 | $ 30,500 | $ 42,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 55,000 | $ 27,500 | $ 56,000 |
| Roanoke, VA | 2 | $ 52,000 | $ 26,000 | $ 26,000 |
| Salem, OR | 2 | $ 70,000 | $ 35,000 | $ 24,000 |
| Sherman-Denison, TX | 2 | $ 95,000 | $ 47,500 | $ 35,000 |
| Syracuse, NY | 2 | $ 72,000 | $ 36,000 | $ 31,000 |
| Tallahassee, FL | 2 | $ 82,000 | $ 41,000 | $ 27,000 |
| Topeka, KS | 2 | $ 57,000 | $ 28,500 | $ 36,000 |
| Waco, TX | 2 | $ 81,000 | $ 40,500 | $ 27,000 |
| Wilmington, NC | 2 | $ 131,000 | $ 65,500 | $ 43,000 |
| York-Hanover, PA | 2 | $ 90,000 | $ 45,000 | $ 25,000 |
| Alexandria, LA | 1 | $ 54,000 | $ 54,000 | $ 40,000 |
| Amarillo, TX | 1 | $ 39,000 | $ 39,000 | $ 34,000 |
| Ann Arbor, MI | 1 | $ 30,000 | $ 30,000 | $ 32,000 |
| Appleton, WI | 1 | $ 32,000 | $ 32,000 | $ 43,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 70,000 | $ 70,000 | $ 24,000 |
| Bakersfield, CA | 1 | $ 34,000 | $ 34,000 | $ 61,000 |
| Bismarck, ND | 1 | $ 44,000 | $ 44,000 | $ 20,000 |
| Buffalo-Niagara Falls, NY | 1 | $ 18,000 | $ 18,000 | $ 17,000 |
| Burlington-South Burlington, VT | 1 | $ 28,000 | $ 28,000 | $ 17,000 |
| Chattanooga, TN-GA | 1 | $ 35,000 | $ 35,000 | $ 35,000 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 58,000 | $ 58,000 | $ 55,000 |
| Danville, VA | 1 | $ 45,000 | $ 45,000 | $ 30,000 |
| Dover, DE | 1 | $ 25,000 | $ 25,000 | $ 38,000 |
| Elkhart-Goshen, IN | 1 | $ 88,000 | $ 88,000 | $ 59,000 |
| Fort Collins-Loveland, CO | 1 | $ 27,000 | $ 27,000 | $ 40,000 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 33,000 | $ 33,000 | $ 15,000 |
| Grand Junction, CO | 1 | $ 22,000 | $ 22,000 | $ 24,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 31,000 | $ 31,000 | $ 77,000 |
| Green Bay, WI | 1 | $ 34,000 | $ 34,000 | $ 44,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 20,000 | $ 20,000 | $ 33,000 |
| Iowa City, IA | 1 | $ 28,000 | $ 28,000 | $ 64,000 |
| Knoxville, TN | 1 | $ 49,000 | $ 49,000 | $ 26,000 |
| Las Vegas-Paradise, NV | 1 | $ 52,000 | $ 52,000 | $ 23,000 |
| Modesto, CA | 1 | $ 85,000 | $ 85,000 | $ 72,000 |
| Monroe, MI | 1 | $ 34,000 | $ 34,000 | $ 34,000 |
| Morristown, TN | 1 | $ 17,000 | $ 17,000 | $ 11,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 32,000 | $ 32,000 | $ 35,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 51,000 | $ 51,000 | $ 48,000 |
| Philadelphia, PA | 1 | $ 15,000 | $ 15,000 | $ 92,000 |
| Salt Lake City, UT | 1 | $ 38,000 | $ 38,000 | $ 25,000 |
| San Angelo, TX | 1 | $ 59,000 | $ 59,000 | $ 36,000 |
| San Diego-Carlsbad-San Marcos, CA | 1 | $ 59,000 | $ 59,000 | $ 79,000 |
| Sioux Falls, SD | 1 | $ 16,000 | $ 16,000 | $ 27,000 |
| Springfield, MO | 1 | $ 37,000 | $ 37,000 | $ 30,000 |
| St. George, UT | 1 | $ 27,000 | $ 27,000 | $ 54,000 |
| Sumter, SC | 1 | $ 45,000 | $ 45,000 | $ 42,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 48,000 | $ 48,000 | $ 24,000 |
| Warner Robins, GA | 1 | $ 60,000 | $ 60,000 | $ 46,000 |
| Wausau, WI | 1 | $ 22,000 | $ 22,000 | $ 66,000 |
Mortgage Loan Application Detail Totals for Caliber Home Loans, Inc. 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 | 3,295 | $151,403,000 | $40,526 | $151,000 | $39,078 | $800,000 |
| Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 1,816 | $82,450,000 | $41,542 | $151,000 | $41,000 | $800,000 |
| Hispanic | 667 | $31,260,000 | $43,900 | $114,000 | $34,000 | $192,000 |
| Not Provided | 450 | $21,458,000 | $40,576 | $113,000 | $36,615 | $180,000 |
| Black or African American | 317 | $14,193,000 | $45,933 | $93,000 | $31,933 | $120,000 |
| American Indian or Alaskan Native | 42 | $1,879,000 | $37,300 | $84,000 | $34,000 | $76,000 |
| Asian | 3 | $163,000 | $51,500 | $85,000 | $40,500 | $58,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 3,295 | $151,403,000 | $40,526 | $151,000 | $39,078 | $800,000 |
| 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 Denied By Financial Institution | 1,823 | $81,740,000 | $40,971 | $112,000 | $35,428 | $192,000 |
| Loan Originated | 949 | $45,519,000 | $43,148 | $151,000 | $41,148 | $800,000 |
| Application Approved But Not Accepted | 446 | $20,510,000 | $37,785 | $98,000 | $37,214 | $152,000 |
| Application Withdrawn By Applicant | 77 | $3,634,000 | $43,400 | $94,000 | $46,866 | $122,000 |
| 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 Caliber Home Loans, Inc.'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 Caliber Home Loans, Inc.'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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