United Pacific Mortgage Mortgage Lending & HMDA Data, 2006
In 2006, United Pacific Mortgage of Woodland Hills, CA reported 1,466 mortgage applications totaling $606.6 million. The average application was for $413,768, and applicants reported an average income of $181,464. 79% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (829), Oxnard-Thousand Oaks-Ventura, CA (400) and Riverside-San Bernardino-Ontario, CA (77) (applications in parentheses).
| Mortgage Company & Address | United Pacific Mortgage 21600 Oxnard Street, Suite 1900 Woodland Hills, CA 91367 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 |
| Total Number of Mortgage Applications | 1,466 |
| Total Mortgage Loan Application Amount | $606,584,000 |
| Average Mortgage Loan Application Amount | $413,768 |
| Highest Mortgage Loan Application Amount | $4,500,000 |
| Average Applicant Income | $181,464 |
| Highest Applicant Income | $1,620,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records United Pacific Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 829 | $ 373,154,000 | $ 450,125 | $ 191,000 |
| Ventura, California | 400 | $ 156,919,000 | $ 392,297 | $ 147,000 |
| Riverside, California | 67 | $ 19,551,000 | $ 291,805 | $ 161,000 |
| Orange, California | 32 | $ 14,915,000 | $ 466,093 | $ 260,000 |
| Kern, California | 18 | $ 3,347,000 | $ 185,944 | $ 97,000 |
| San Diego, California | 14 | $ 5,932,000 | $ 423,714 | $ 245,000 |
| San Bernardino, California | 10 | $ 2,459,000 | $ 245,900 | $ 130,000 |
| Santa Barbara, California | 9 | $ 3,149,000 | $ 349,888 | $ 110,000 |
| Solano, California | 6 | $ 854,000 | $ 142,333 | $ 780,000 |
| Clark, Nevada | 6 | $ 1,179,000 | $ 196,500 | $ 199,000 |
| Alameda, California | 4 | $ 1,329,000 | $ 332,250 | $ 121,000 |
| San Luis Obispo, California | 4 | $ 1,570,000 | $ 392,500 | $ 151,000 |
| Knox, Tennessee | 4 | $ 849,000 | $ 212,250 | $ 168,000 |
| Tarrant, Texas | 3 | $ 112,000 | $ 37,333 | $ 52,000 |
| Contra Costa, California | 2 | $ 628,000 | $ 314,000 | $ 168,000 |
| Placer, California | 2 | $ 610,000 | $ 305,000 | $ 44,000 |
| San Francisco, California | 2 | $ 880,000 | $ 440,000 | $ 283,000 |
| San Joaquin, California | 2 | $ 352,000 | $ 176,000 | $ 0 |
| Stanislaus, California | 2 | $ 310,000 | $ 155,000 | $ 102,000 |
| Yuba, California | 2 | $ 260,000 | $ 130,000 | $ 148,000 |
| Blaine, Idaho | 2 | $ 747,000 | $ 373,500 | $ 306,000 |
| Johnson, Missouri | 2 | $ 155,000 | $ 77,500 | $ 78,000 |
| Bexar, Texas | 2 | $ 289,000 | $ 144,500 | $ 74,000 |
| Nueces, Texas | 2 | $ 461,000 | $ 230,500 | $ 535,000 |
| Rockwall, Texas | 2 | $ 486,000 | $ 243,000 | $ 240,000 |
| Island, Washington | 2 | $ 330,000 | $ 165,000 | $ 142,000 |
| Kitsap, Washington | 2 | $ 853,000 | $ 426,500 | $ 210,000 |
| Washington, Arkansas | 1 | $ 180,000 | $ 180,000 | $ 86,000 |
| El Dorado, California | 1 | $ 184,000 | $ 184,000 | $ 0 |
| Fresno, California | 1 | $ 118,000 | $ 118,000 | $ 46,000 |
| Humboldt, California | 1 | $ 150,000 | $ 150,000 | $ 154,000 |
| Inyo, California | 1 | $ 400,000 | $ 400,000 | $ 255,000 |
| Madera, California | 1 | $ 500,000 | $ 500,000 | $ 900,000 |
| Marin, California | 1 | $ 2,000,000 | $ 2,000,000 | $ 395,000 |
| Napa, California | 1 | $ 508,000 | $ 508,000 | $ 279,000 |
| Sacramento, California | 1 | $ 210,000 | $ 210,000 | $ 74,000 |
| San Mateo, California | 1 | $ 1,200,000 | $ 1,200,000 | $ 252,000 |
| Santa Clara, California | 1 | $ 461,000 | $ 461,000 | $ 446,000 |
| Santa Cruz, California | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Tulare, California | 1 | $ 285,000 | $ 285,000 | $ 94,000 |
| Tuolumne, California | 1 | $ 300,000 | $ 300,000 | $ 237,000 |
| District of Columbia, District Of Columbia | 1 | $ 650,000 | $ 650,000 | $ 216,000 |
| Miami-Dade, Florida | 1 | $ 688,000 | $ 688,000 | $ 206,000 |
| Hawaii, Hawaii | 1 | $ 221,000 | $ 221,000 | $ 300,000 |
| Honolulu, Hawaii | 1 | $ 295,000 | $ 295,000 | $ 137,000 |
| Kauai, Hawaii | 1 | $ 410,000 | $ 410,000 | $ 276,000 |
| Jefferson, Missouri | 1 | $ 110,000 | $ 110,000 | $ 31,000 |
| St. Louis, Missouri | 1 | $ 280,000 | $ 280,000 | $ 114,000 |
| New York, New York | 1 | $ 514,000 | $ 514,000 | $ 1,200,000 |
| Suffolk, New York | 1 | $ 1,750,000 | $ 1,750,000 | $ 1,560,000 |
| Wake, North Carolina | 1 | $ 350,000 | $ 350,000 | $ 132,000 |
| Charleston, South Carolina | 1 | $ 880,000 | $ 880,000 | $ 1,427,000 |
| Greenville, South Carolina | 1 | $ 127,000 | $ 127,000 | $ 113,000 |
| Shelby, Tennessee | 1 | $ 136,000 | $ 136,000 | $ 0 |
| Cherokee, Texas | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Collin, Texas | 1 | $ 89,000 | $ 89,000 | $ 660,000 |
| Chesapeake, Virginia | 1 | $ 300,000 | $ 300,000 | $ 198,000 |
| Loudoun, Virginia | 1 | $ 600,000 | $ 600,000 | $ 235,000 |
| Grant, Washington | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Lewis, Washington | 1 | $ 193,000 | $ 193,000 | $ 89,000 |
| Pierce, Washington | 1 | $ 200,000 | $ 200,000 | $ 0 |
Mortgage Loan Application Detail Totals for United Pacific Mortgage in 2006
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 | 799 | $348,083,000 | $435,000 | $4,500,000 | $171,000 | $1,620,000 |
| Home Purchase | 667 | $258,501,000 | $387,000 | $3,815,000 | $194,000 | $1,427,000 |
| 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 | 900 | $398,982,000 | $443,000 | $4,500,000 | $193,000 | $1,620,000 |
| Hispanic | 244 | $73,933,000 | $303,000 | $1,350,000 | $121,000 | $720,000 |
| Not Provided | 213 | $94,572,000 | $444,000 | $1,995,000 | $222,000 | $823,000 |
| Asian | 55 | $21,769,000 | $395,000 | $1,000,000 | $150,000 | $342,000 |
| Black or African American | 42 | $11,854,000 | $282,000 | $1,000,000 | $136,000 | $456,000 |
| American Indian or Alaskan Native | 8 | $3,241,000 | $405,000 | $980,000 | $155,000 | $265,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $2,233,000 | $558,000 | $1,100,000 | $200,000 | $300,000 |
| 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) | 1,466 | $606,584,000 | $413,000 | $4,500,000 | $182,000 | $1,620,000 |
| 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 | 1,152 | $470,989,000 | $408,000 | $4,500,000 | $180,000 | $1,620,000 |
| Application Withdrawn By Applicant | 238 | $103,800,000 | $436,000 | $4,000,000 | $185,000 | $1,413,000 |
| Application Approved But Not Accepted | 56 | $24,441,000 | $436,000 | $2,000,000 | $207,000 | $1,403,000 |
| Application Denied By Financial Institution | 12 | $4,887,000 | $407,000 | $1,258,000 | $156,000 | $474,000 |
| File Closed For Incompleteness | 8 | $2,467,000 | $308,000 | $604,000 | $109,000 | $186,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 4 | $1,004,000 | $251,000 | $317,000 | $149,000 | $240,000 |
| Debt-To-Income Ratio | 1 | $400,000 | $400,000 | $400,000 | $150,000 | $150,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $120,000 | $120,000 | $120,000 | $84,000 | $84,000 |
| Other | 1 | $553,000 | $553,000 | $553,000 | $198,000 | $198,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Pacific Mortgage's 2006 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 Pacific 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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