Twin Capital Mortgage Mortgage Lending & HMDA Data, 2007
In 2007, Twin Capital Mortgage of San Francisco, CA reported 710 mortgage applications totaling $199.1 million. The average application was for $280,409, and applicants reported an average income of $79,521. 34% of its applications resulted in an originated loan and 50% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (59), Los Angeles-Long Beach-Glendale, CA (49) and Portland-Vancouver-Beaverton, OR-WA (36) (applications in parentheses).
| Mortgage Company & Address | Twin Capital Mortgage 650 Townsend Street Suite 225 San Francisco, CA 94103 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 |
| Total Number of Mortgage Applications | 710 |
| Total Mortgage Loan Application Amount | $199,091,000 |
| Average Mortgage Loan Application Amount | $280,409 |
| Highest Mortgage Loan Application Amount | $1,300,000 |
| Average Applicant Income | $79,521 |
| Highest Applicant Income | $504,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Twin Capital Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Riverside-San Bernardino-Ontario, CA | 59 | $ 17,554,000 | $ 297,525 | $ 74,000 |
| Los Angeles-Long Beach-Glendale, CA | 49 | $ 16,965,000 | $ 346,224 | $ 90,000 |
| Portland-Vancouver-Beaverton, OR-WA | 36 | $ 7,495,000 | $ 208,194 | $ 55,333 |
| Phoenix-Mesa-Scottsdale, AZ | 34 | $ 7,754,000 | $ 228,058 | $ 58,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 34 | $ 11,451,000 | $ 336,794 | $ 81,000 |
| Seattle-Bellevue-Everett, WA | 34 | $ 9,920,000 | $ 291,764 | $ 82,000 |
| Oakland-Fremont-Hayward, CA | 32 | $ 11,958,000 | $ 373,687 | $ 99,000 |
| San Francisco-San Mateo-Redwood City, CA | 24 | $ 12,156,000 | $ 506,500 | $ 137,000 |
| Tucson, AZ | 20 | $ 3,408,000 | $ 170,400 | $ 50,000 |
| Bakersfield, CA | 19 | $ 4,563,000 | $ 240,157 | $ 73,000 |
| Fresno, CA | 18 | $ 4,494,000 | $ 249,666 | $ 65,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 17 | $ 6,666,000 | $ 392,117 | $ 106,000 |
| San Diego-Carlsbad-San Marcos, CA | 17 | $ 7,749,000 | $ 455,823 | $ 106,000 |
| Tacoma, WA | 17 | $ 4,039,000 | $ 237,588 | $ 67,000 |
| Stockton, CA | 13 | $ 3,423,000 | $ 263,307 | $ 81,000 |
| Visalia-Porterville, CA | 13 | $ 2,154,000 | $ 165,692 | $ 68,000 |
| Santa Ana-Anaheim-Irvine, CA | 12 | $ 4,923,000 | $ 410,250 | $ 142,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 11 | $ 4,209,000 | $ 382,636 | $ 139,000 |
| Spokane, WA | 11 | $ 1,582,000 | $ 143,818 | $ 42,000 |
| Vallejo-Fairfield, CA | 10 | $ 3,752,000 | $ 375,200 | $ 97,000 |
| Orlando-Kissimmee, FL | 9 | $ 1,794,000 | $ 199,333 | $ 65,000 |
| Lake Havasu City-Kingman, AZ | 8 | $ 1,460,000 | $ 182,500 | $ 56,000 |
| Tampa-St. Petersburg-Clearwater, FL | 8 | $ 1,236,000 | $ 154,500 | $ 52,000 |
| Medford, OR | 7 | $ 1,793,000 | $ 256,142 | $ 71,000 |
| Baltimore-Towson, MD | 6 | $ 1,198,000 | $ 199,666 | $ 48,000 |
| Modesto, CA | 6 | $ 1,682,000 | $ 280,333 | $ 77,000 |
| Santa Rosa-Petaluma, CA | 6 | $ 1,873,000 | $ 312,166 | $ 101,000 |
| Olympia, WA | 5 | $ 986,000 | $ 197,200 | $ 46,000 |
| Redding, CA | 5 | $ 942,000 | $ 188,400 | $ 98,000 |
| Salem, OR | 5 | $ 743,000 | $ 148,600 | $ 55,000 |
| Salinas, CA | 5 | $ 1,949,000 | $ 389,800 | $ 92,000 |
| Yakima, WA | 5 | $ 535,000 | $ 107,000 | $ 43,000 |
| Bremerton-Silverdale, WA | 4 | $ 1,056,000 | $ 264,000 | $ 60,000 |
| Chico, CA | 4 | $ 868,000 | $ 217,000 | $ 55,000 |
| Eugene-Springfield, OR | 4 | $ 1,000,000 | $ 250,000 | $ 83,000 |
| Hartford-West Hartford-East Hartford, CT | 4 | $ 822,000 | $ 205,500 | $ 42,000 |
| Jacksonville, FL | 4 | $ 757,000 | $ 189,250 | $ 60,000 |
| Kennewick-Richland-Pasco, WA | 4 | $ 738,000 | $ 184,500 | $ 99,000 |
| Madera, CA | 4 | $ 1,044,000 | $ 261,000 | $ 85,000 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 923,000 | $ 230,750 | $ 99,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 4 | $ 735,000 | $ 183,750 | $ 56,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 533,000 | $ 177,666 | $ 53,000 |
| Flagstaff, AZ | 3 | $ 716,000 | $ 238,666 | $ 79,000 |
| Lakeland, FL | 3 | $ 531,000 | $ 177,000 | $ 56,000 |
| Merced, CA | 3 | $ 1,097,000 | $ 365,666 | $ 74,000 |
| Napa, CA | 3 | $ 1,528,000 | $ 509,333 | $ 252,000 |
| San Luis Obispo-Paso Robles, CA | 3 | $ 1,459,000 | $ 486,333 | $ 131,000 |
| Yuma, AZ | 3 | $ 510,000 | $ 170,000 | $ 62,000 |
| Bellingham, WA | 2 | $ 518,000 | $ 259,000 | $ 119,000 |
| Fort Walton Beach-Crestview-Destin, FL | 2 | $ 407,000 | $ 203,500 | $ 57,000 |
| Mount Vernon-Anacortes, WA | 2 | $ 478,000 | $ 239,000 | $ 56,000 |
| New Haven-Milford, CT | 2 | $ 386,000 | $ 193,000 | $ 60,000 |
| Ocala, FL | 2 | $ 403,000 | $ 201,500 | $ 62,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 230,000 | $ 115,000 | $ 45,000 |
| Punta Gorda, FL | 2 | $ 235,000 | $ 117,500 | $ 45,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 2 | $ 740,000 | $ 370,000 | $ 64,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 1,361,000 | $ 680,500 | $ 195,000 |
| Wenatchee, WA | 2 | $ 416,000 | $ 208,000 | $ 50,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 2 | $ 600,000 | $ 300,000 | $ 90,000 |
| Bend, OR | 1 | $ 799,000 | $ 799,000 | $ 240,000 |
| Bethesda-Gaithersburg-Frederick, MD | 1 | $ 100,000 | $ 100,000 | $ 32,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 272,000 | $ 272,000 | $ 75,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 250,000 | $ 250,000 | $ 59,000 |
| El Centro, CA | 1 | $ 218,000 | $ 218,000 | $ 68,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 150,000 | $ 150,000 | $ 48,000 |
| Hanford-Corcoran, CA | 1 | $ 302,000 | $ 302,000 | $ 97,000 |
| Lewiston, ID-WA | 1 | $ 104,000 | $ 104,000 | $ 55,000 |
| Longview, WA | 1 | $ 124,000 | $ 124,000 | $ 34,000 |
| Panama City-Lynn Haven, FL | 1 | $ 315,000 | $ 315,000 | $ 106,000 |
| Prescott, AZ | 1 | $ 302,000 | $ 302,000 | $ 57,000 |
| Sebastian-Vero Beach, FL | 1 | $ 193,000 | $ 193,000 | $ 95,000 |
Mortgage Loan Application Detail Totals for Twin Capital Mortgage in 2007
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 | 692 | $192,698,000 | $278,000 | $1,300,000 | $78,000 | $503,000 |
| Home Purchase | 18 | $6,393,000 | $355,000 | $700,000 | $138,000 | $504,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not Provided | 321 | $89,475,000 | $278,000 | $1,000,000 | $78,000 | $503,000 |
| White | 264 | $74,772,000 | $283,000 | $1,300,000 | $80,000 | $339,000 |
| Hispanic | 75 | $20,431,000 | $272,000 | $772,000 | $86,000 | $504,000 |
| Black or African American | 37 | $10,712,000 | $289,000 | $639,000 | $62,000 | $148,000 |
| Asian | 10 | $2,546,000 | $254,000 | $512,000 | $103,000 | $148,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $675,000 | $337,000 | $450,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $480,000 | $480,000 | $480,000 | $112,000 | $112,000 |
| 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) | 710 | $199,091,000 | $280,000 | $1,300,000 | $79,000 | $504,000 |
| 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 | 352 | $97,625,000 | $277,000 | $1,000,000 | $81,000 | $504,000 |
| Loan Originated | 239 | $65,724,000 | $274,000 | $799,000 | $75,000 | $281,000 |
| Application Approved But Not Accepted | 82 | $23,826,000 | $290,000 | $1,300,000 | $80,000 | $303,000 |
| Application Withdrawn By Applicant | 19 | $6,324,000 | $332,000 | $960,000 | $83,000 | $243,000 |
| File Closed For Incompleteness | 18 | $5,592,000 | $310,000 | $660,000 | $85,000 | $149,000 |
| 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 | 77 | $20,679,000 | $268,000 | $910,000 | $82,000 | $339,000 |
| Collateral | 76 | $20,913,000 | $275,000 | $780,000 | $70,000 | $262,000 |
| Other | 54 | $16,650,000 | $308,000 | $1,000,000 | $87,000 | $504,000 |
| Unverifiable Information | 54 | $15,794,000 | $292,000 | $772,000 | $87,000 | $232,000 |
| Debt-To-Income Ratio | 29 | $8,526,000 | $294,000 | $624,000 | $74,000 | $225,000 |
| Credit Application Incomplete | 7 | $1,948,000 | $278,000 | $650,000 | $86,000 | $227,000 |
| Employment History | 6 | $1,118,000 | $186,000 | $248,000 | $48,000 | $71,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $378,000 | $189,000 | $228,000 | $61,000 | $73,000 |
| Mortgage Insurance Denied | 1 | $210,000 | $210,000 | $210,000 | $79,000 | $79,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Twin Capital Mortgage's 2007 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 Twin Capital 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.
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with aggregated HMDA statistics today.
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