United California Systems Intl Mortgage Lending & HMDA Data, 2003
In 2003, United California Systems Intl of Los Angeles, CA reported 392 mortgage applications totaling $74.5 million. The average application was for $190,035, and applicants reported an average income of $69,622. 74% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Los Angeles-Long Beach, CA (230), Riverside-San Bernardino, CA (60) and Chicago, IL (23) (applications in parentheses).
| Mortgage Company & Address | United California Systems Intl 11755 Wilshire Blvd Suite 2100 Los Angeles, CA 90025 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2003 |
| Total Number of Mortgage Applications | 392 |
| Total Mortgage Loan Application Amount | $74,494,000 |
| Average Mortgage Loan Application Amount | $190,035 |
| Highest Mortgage Loan Application Amount | $750,000 |
| Average Applicant Income | $69,622 |
| Highest Applicant Income | $900,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records United California Systems Intl filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Los Angeles, California | 232 | $ 47,760,000 | $ 205,862 | $ 69,000 |
| San Bernardino, California | 46 | $ 7,871,000 | $ 171,108 | $ 59,000 |
| Cook, Illinois | 22 | $ 2,585,000 | $ 117,500 | $ 53,000 |
| Riverside, California | 14 | $ 2,727,000 | $ 194,785 | $ 88,000 |
| Prince George's, Maryland | 5 | $ 845,000 | $ 169,000 | $ 60,000 |
| Suffolk, Massachusetts | 5 | $ 1,278,000 | $ 255,600 | $ 110,000 |
| Harris, Texas | 5 | $ 384,000 | $ 76,800 | $ 35,000 |
| Clark, Nevada | 4 | $ 868,000 | $ 217,000 | $ 80,000 |
| DeKalb, Georgia | 3 | $ 691,000 | $ 230,333 | $ 57,000 |
| Cuyahoga, Ohio | 3 | $ 171,000 | $ 57,000 | $ 207,000 |
| Fairfax, Virginia | 3 | $ 753,000 | $ 251,000 | $ 110,000 |
| Maricopa, Arizona | 2 | $ 250,000 | $ 125,000 | $ 191,000 |
| District of Columbia, District Of Columbia | 2 | $ 290,000 | $ 145,000 | $ 33,000 |
| Broward, Florida | 2 | $ 417,000 | $ 208,500 | $ 40,000 |
| Cobb, Georgia | 2 | $ 209,000 | $ 104,500 | $ 42,000 |
| Fulton, Georgia | 2 | $ 259,000 | $ 129,500 | $ 66,000 |
| Kings, New York | 2 | $ 721,000 | $ 360,500 | $ 121,000 |
| Shelby, Tennessee | 2 | $ 187,000 | $ 93,500 | $ 27,000 |
| Stafford, Virginia | 2 | $ 312,000 | $ 156,000 | $ 38,000 |
| Barbour, Alabama | 1 | $ 60,000 | $ 60,000 | $ 167,000 |
| Colbert, Alabama | 1 | $ 95,000 | $ 95,000 | $ 99,000 |
| Shelby, Alabama | 1 | $ 110,000 | $ 110,000 | $ 68,000 |
| Orange, California | 1 | $ 208,000 | $ 208,000 | $ 55,000 |
| Sacramento, California | 1 | $ 144,000 | $ 144,000 | $ 66,000 |
| San Diego, California | 1 | $ 405,000 | $ 405,000 | $ 185,000 |
| Marion, Florida | 1 | $ 81,000 | $ 81,000 | $ 37,000 |
| Miami-Dade, Florida | 1 | $ 62,000 | $ 62,000 | $ 26,000 |
| Charlton, Georgia | 1 | $ 150,000 | $ 150,000 | $ 59,000 |
| Gwinnett, Georgia | 1 | $ 148,000 | $ 148,000 | $ 46,000 |
| Will, Illinois | 1 | $ 138,000 | $ 138,000 | $ 50,000 |
| Lake, Indiana | 1 | $ 255,000 | $ 255,000 | $ 110,000 |
| Jefferson, Kentucky | 1 | $ 143,000 | $ 143,000 | $ 76,000 |
| Todd, Kentucky | 1 | $ 42,000 | $ 42,000 | $ 0 |
| Baltimore City, Maryland | 1 | $ 133,000 | $ 133,000 | $ 37,000 |
| Hinds, Mississippi | 1 | $ 141,000 | $ 141,000 | $ 78,000 |
| St. Louis, Missouri | 1 | $ 155,000 | $ 155,000 | $ 44,000 |
| Hudson, New Jersey | 1 | $ 209,000 | $ 209,000 | $ 74,000 |
| Halifax, North Carolina | 1 | $ 67,000 | $ 67,000 | $ 42,000 |
| Wake, North Carolina | 1 | $ 246,000 | $ 246,000 | $ 132,000 |
| Washington, Rhode Island | 1 | $ 158,000 | $ 158,000 | $ 57,000 |
| Dallas, Texas | 1 | $ 63,000 | $ 63,000 | $ 63,000 |
| Fort Bend, Texas | 1 | $ 722,000 | $ 722,000 | $ 0 |
| Jefferson, Texas | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Montgomery, Texas | 1 | $ 120,000 | $ 120,000 | $ 36,000 |
| Nueces, Texas | 1 | $ 55,000 | $ 55,000 | $ 36,000 |
| Travis, Texas | 1 | $ 152,000 | $ 152,000 | $ 70,000 |
| Alexandria, Virginia | 1 | $ 234,000 | $ 234,000 | $ 57,000 |
| Arlington, Virginia | 1 | $ 124,000 | $ 124,000 | $ 33,000 |
| Prince William, Virginia | 1 | $ 125,000 | $ 125,000 | $ 51,000 |
Mortgage Loan Application Detail Totals for United California Systems Intl in 2003
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 (one-to-four family) | 217 | $42,978,000 | $169,055 | $750,000 | $76,833 | $498,000 |
| Refinancing (home purchase or home improvement, one-to-four family) | 168 | $29,814,000 | $160,357 | $537,000 | $73,285 | $900,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 7 | $1,702,000 | $243,000 | $373,000 | $0 | $0 |
| Home Improvement (one-to-four family) | 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 |
|---|---|---|---|---|---|---|
| Black | 223 | $40,784,000 | $159,444 | $612,000 | $80,611 | $498,000 |
| Hispanic | 64 | $11,665,000 | $156,666 | $722,000 | $38,000 | $136,000 |
| Information not provided by applicant in mail or telephone application | 45 | $8,657,000 | $168,111 | $495,000 | $69,111 | $900,000 |
| White | 36 | $7,831,000 | $204,250 | $750,000 | $54,875 | $191,000 |
| Asian or Pacific Islander | 12 | $2,909,000 | $244,500 | $405,000 | $96,500 | $185,000 |
| Other | 10 | $1,984,000 | $152,750 | $320,000 | $47,250 | $90,000 |
| American Indian or Alaskan Native | 2 | $664,000 | $332,000 | $374,000 | $129,000 | $132,000 |
| 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) | 340 | $66,534,000 | $175,428 | $750,000 | $82,190 | $900,000 |
| FHA-insured (Federal Housing Administration) | 47 | $7,402,000 | $131,833 | $367,000 | $43,666 | $105,000 |
| VA-guaranteed (Veterans Administration) | 5 | $558,000 | $100,000 | $191,000 | $38,500 | $64,000 |
| 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 | 290 | $54,916,000 | $163,894 | $612,000 | $66,526 | $900,000 |
| Application Withdrawn By Applicant | 37 | $7,522,000 | $209,000 | $750,000 | $124,000 | $498,000 |
| Application Denied By Financial Institution | 30 | $5,349,000 | $160,125 | $495,000 | $85,625 | $455,000 |
| File Closed For Incompleteness | 15 | $2,664,000 | $132,500 | $495,000 | $46,500 | $162,000 |
| Application Approved But Not Accepted | 11 | $2,465,000 | $212,500 | $722,000 | $64,000 | $115,000 |
| Loan Purchased By The Institution | 8 | $1,427,000 | $178,000 | $388,000 | $66,000 | $109,000 |
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 | 3 | $421,000 | $125,000 | $190,000 | $43,500 | $60,000 |
| Debt-To-Income Ratio | 3 | $789,000 | $263,000 | $495,000 | $86,333 | $120,000 |
| Credit Application Incomplete | 2 | $405,000 | $202,000 | $220,000 | $65,000 | $78,000 |
| Collateral | 1 | $122,000 | $122,000 | $122,000 | $66,000 | $66,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $137,000 | $137,000 | $137,000 | $66,000 | $66,000 |
| Other | 1 | $122,000 | $122,000 | $122,000 | $309,000 | $309,000 |
| Unverifiable Information | 1 | $68,000 | $68,000 | $68,000 | $67,000 | $67,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United California Systems Intl's 2003 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 United California Systems Intl'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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