Tri-Valley Bank Mortgage Lending & HMDA Data, 2016
In 2016, Tri-Valley Bank of San Ramon, CA reported 6 mortgage applications totaling $6.9 million, down 60% from 2015. The average application was for $1,154,166, and applicants reported an average income of $467,500. 83% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Oakland-Hayward-Berkeley, CA (3), Napa, CA (1) and San Francisco-Redwood City-South San Francisco, CA (1) (applications in parentheses).
| Mortgage Company & Address | Tri-Valley Bank 3160 Crow Canyon Road #160 San Ramon, CA 94583 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2007 |
| Total Number of Mortgage Applications | 6 |
| Total Mortgage Loan Application Amount | $6,925,000 |
| Average Mortgage Loan Application Amount | $1,154,166 |
| Highest Mortgage Loan Application Amount | $2,300,000 |
| Average Applicant Income | $467,500 |
| Highest Applicant Income | $1,018,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Tri-Valley Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Alameda, California | 2 | $ 565,000 | $ 282,500 | $ 1,018,000 |
| Contra Costa, California | 1 | $ 2,100,000 | $ 2,100,000 | $ 487,000 |
| Napa, California | 1 | $ 910,000 | $ 910,000 | $ 0 |
| San Francisco, California | 1 | $ 2,300,000 | $ 2,300,000 | $ 284,000 |
| Solano, California | 1 | $ 1,050,000 | $ 1,050,000 | $ 0 |
Mortgage Loan Application Detail Totals for Tri-Valley Bank in 2016
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 | $4,060,000 | $1,353,000 | $2,100,000 | $162,000 | $487,000 |
| Refinancing | 3 | $2,865,000 | $955,000 | $2,300,000 | $773,000 | $1,018,000 |
| 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 | 4 | $6,360,000 | $1,590,000 | $2,300,000 | $192,000 | $487,000 |
| Black or African American | 2 | $565,000 | $282,000 | $315,000 | $1,018,000 | $1,018,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiin or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 6 | $6,925,000 | $1,154,000 | $2,300,000 | $467,000 | $1,018,000 |
| 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 | 5 | $5,875,000 | $1,175,000 | $2,300,000 | $561,000 | $1,018,000 |
| Application Withdrawn By Applicant | 1 | $1,050,000 | $1,050,000 | $1,050,000 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Denied By Financial Institution | 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 Tri-Valley Bank's 2016 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 Tri-Valley Bank'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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