Valley Vista Mortgage Mortgage Lending & HMDA Data, 2006
In 2006, Valley Vista Mortgage of San Diego, CA reported 2,323 mortgage applications totaling $622.2 million, up 9% from 2005. The average application was for $267,845, and applicants reported an average income of $140,330. 42% of its applications resulted in an originated loan and 9% were denied. Its largest markets were San Diego-Carlsbad-San Marcos, CA (795), Riverside-San Bernardino-Ontario, CA (368) and Kansas City, MO-KS (253) (applications in parentheses).
| Mortgage Company & Address | Valley Vista Mortgage 4747 Viewridge Ave. Suite 200 San Diego, CA 92123 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,323 |
| Total Mortgage Loan Application Amount | $622,204,000 |
| Average Mortgage Loan Application Amount | $267,845 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $140,330 |
| Highest Applicant Income | $2,160,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Valley Vista Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| San Diego-Carlsbad-San Marcos, CA | 795 | $ 247,495,000 | $ 311,314 | $ 151,000 |
| Riverside-San Bernardino-Ontario, CA | 368 | $ 88,079,000 | $ 239,345 | $ 129,000 |
| Kansas City, MO-KS | 253 | $ 32,232,000 | $ 127,399 | $ 137,371 |
| Los Angeles-Long Beach-Glendale, CA | 217 | $ 72,500,000 | $ 334,101 | $ 140,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 121 | $ 31,459,000 | $ 259,991 | $ 129,000 |
| Santa Ana-Anaheim-Irvine, CA | 94 | $ 35,425,000 | $ 376,861 | $ 162,000 |
| El Centro, CA | 47 | $ 9,111,000 | $ 193,851 | $ 157,000 |
| Bakersfield, CA | 40 | $ 7,312,000 | $ 182,800 | $ 79,000 |
| Oakland-Fremont-Hayward, CA | 40 | $ 14,336,000 | $ 358,400 | $ 185,000 |
| Seattle-Bellevue-Everett, WA | 16 | $ 3,696,000 | $ 231,000 | $ 175,000 |
| Stockton, CA | 16 | $ 5,221,000 | $ 326,312 | $ 116,000 |
| Fresno, CA | 15 | $ 3,683,000 | $ 245,533 | $ 169,000 |
| Vallejo-Fairfield, CA | 15 | $ 4,299,000 | $ 286,600 | $ 135,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 12 | $ 5,927,000 | $ 493,916 | $ 153,000 |
| Santa Barbara-Santa Maria, CA | 12 | $ 5,143,000 | $ 428,583 | $ 211,000 |
| Portland-Vancouver-Beaverton, OR-WA | 10 | $ 1,508,000 | $ 150,800 | $ 79,500 |
| St. Louis, MO-IL | 9 | $ 895,000 | $ 99,444 | $ 78,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 8 | $ 2,343,000 | $ 292,875 | $ 118,000 |
| Indianapolis-Carmel, IN | 7 | $ 545,000 | $ 77,857 | $ 100,000 |
| Modesto, CA | 7 | $ 2,004,000 | $ 286,285 | $ 135,000 |
| Visalia-Porterville, CA | 7 | $ 1,543,000 | $ 220,428 | $ 56,000 |
| Cincinnati-Middletown, OH-KY-IN | 6 | $ 343,000 | $ 57,166 | $ 90,000 |
| Yuba City, CA | 6 | $ 1,550,000 | $ 258,333 | $ 85,000 |
| Hanford-Corcoran, CA | 5 | $ 1,105,000 | $ 221,000 | $ 86,000 |
| Houston-Sugar Land-Baytown, TX | 5 | $ 539,000 | $ 107,800 | $ 105,000 |
| San Francisco-San Mateo-Redwood City, CA | 5 | $ 3,532,000 | $ 706,400 | $ 250,000 |
| Columbia, MO | 4 | $ 368,000 | $ 92,000 | $ 105,000 |
| Lawrence, KS | 4 | $ 648,000 | $ 162,000 | $ 127,000 |
| San Luis Obispo-Paso Robles, CA | 4 | $ 1,399,000 | $ 349,750 | $ 145,000 |
| Dallas-Plano-Irving, TX | 3 | $ 621,000 | $ 207,000 | $ 180,000 |
| Denver-Aurora, CO | 3 | $ 494,000 | $ 164,666 | $ 141,000 |
| Honolulu, HI | 3 | $ 585,000 | $ 195,000 | $ 59,000 |
| Napa, CA | 3 | $ 1,116,000 | $ 372,000 | $ 230,000 |
| Santa Fe, NM | 3 | $ 346,000 | $ 115,333 | $ 49,000 |
| Santa Rosa-Petaluma, CA | 3 | $ 607,000 | $ 202,333 | $ 115,000 |
| Toledo, OH | 3 | $ 150,000 | $ 50,000 | $ 40,000 |
| Albuquerque, NM | 2 | $ 115,000 | $ 57,500 | $ 167,000 |
| Boulder, CO | 2 | $ 1,238,000 | $ 619,000 | $ 462,000 |
| Chicago-Naperville-Joliet, IL | 2 | $ 375,000 | $ 187,500 | $ 107,000 |
| Colorado Springs, CO | 2 | $ 929,000 | $ 464,500 | $ 238,000 |
| Columbus, OH | 2 | $ 115,000 | $ 57,500 | $ 74,000 |
| Fort Collins-Loveland, CO | 2 | $ 252,000 | $ 126,000 | $ 82,000 |
| Kankakee-Bradley, IL | 2 | $ 251,000 | $ 125,500 | $ 102,000 |
| Merced, CA | 2 | $ 280,000 | $ 140,000 | $ 235,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 172,000 | $ 86,000 | $ 82,000 |
| Redding, CA | 2 | $ 260,000 | $ 130,000 | $ 188,000 |
| Salinas, CA | 2 | $ 2,350,000 | $ 1,175,000 | $ 325,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 518,000 | $ 259,000 | $ 128,000 |
| South Bend-Mishawaka, IN-MI | 2 | $ 142,000 | $ 71,000 | $ 39,000 |
| Springfield, MO | 2 | $ 203,000 | $ 101,500 | $ 65,000 |
| Tacoma, WA | 2 | $ 230,000 | $ 115,000 | $ 48,000 |
| Wichita, KS | 2 | $ 565,000 | $ 282,500 | $ 207,000 |
| Austin-Round Rock, TX | 1 | $ 240,000 | $ 240,000 | $ 140,000 |
| Baltimore-Towson, MD | 1 | $ 1,800,000 | $ 1,800,000 | $ 0 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 175,000 | $ 175,000 | $ 39,000 |
| Corvallis, OR | 1 | $ 140,000 | $ 140,000 | $ 282,000 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 90,000 | $ 90,000 | $ 180,000 |
| Eugene-Springfield, OR | 1 | $ 50,000 | $ 50,000 | $ 60,000 |
| Farmington, NM | 1 | $ 125,000 | $ 125,000 | $ 60,000 |
| Fort Worth-Arlington, TX | 1 | $ 47,000 | $ 47,000 | $ 125,000 |
| Joplin, MO | 1 | $ 200,000 | $ 200,000 | $ 60,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 195,000 | $ 195,000 | $ 59,000 |
| Las Cruces, NM | 1 | $ 150,000 | $ 150,000 | $ 74,000 |
| Madera, CA | 1 | $ 165,000 | $ 165,000 | $ 129,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 300,000 | $ 300,000 | $ 285,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 109,000 | $ 109,000 | $ 28,000 |
| Olympia, WA | 1 | $ 372,000 | $ 372,000 | $ 300,000 |
| Pueblo, CO | 1 | $ 82,000 | $ 82,000 | $ 33,000 |
| Salt Lake City, UT | 1 | $ 122,000 | $ 122,000 | $ 63,000 |
| St. Joseph, MO-KS | 1 | $ 300,000 | $ 300,000 | $ 120,000 |
| Terre Haute, IN | 1 | $ 35,000 | $ 35,000 | $ 15,000 |
| Tulsa, OK | 1 | $ 900,000 | $ 900,000 | $ 300,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 600,000 | $ 600,000 | $ 191,000 |
Mortgage Loan Application Detail Totals for Valley Vista 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 | 1,317 | $388,325,000 | $294,000 | $1,875,000 | $136,000 | $1,200,000 |
| Home Purchase | 1,006 | $233,879,000 | $232,000 | $2,000,000 | $146,000 | $2,160,000 |
| 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 | 1,172 | $312,181,000 | $266,000 | $2,000,000 | $149,000 | $2,160,000 |
| Hispanic | 588 | $157,115,000 | $267,000 | $1,309,000 | $118,000 | $1,200,000 |
| Not Provided | 228 | $58,541,000 | $256,000 | $1,800,000 | $133,000 | $576,000 |
| Asian | 157 | $50,759,000 | $323,000 | $1,000,000 | $150,000 | $852,000 |
| Black or African American | 131 | $29,683,000 | $226,000 | $772,000 | $124,000 | $793,000 |
| Native Hawaiian or Other Pacific Islander | 38 | $10,420,000 | $274,000 | $778,000 | $267,000 | $1,140,000 |
| American Indian or Alaskan Native | 9 | $3,505,000 | $389,000 | $1,200,000 | $154,000 | $378,000 |
| 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) | 2,315 | $620,211,000 | $267,000 | $2,000,000 | $140,000 | $2,160,000 |
| FHA-insured (Federal Housing Administration) | 5 | $1,045,000 | $209,000 | $283,000 | $63,000 | $86,000 |
| VA-guaranteed (Veterans Administration) | 3 | $948,000 | $316,000 | $383,000 | $88,000 | $109,000 |
| 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 | 982 | $275,093,000 | $280,000 | $1,800,000 | $139,000 | $2,160,000 |
| Application Withdrawn By Applicant | 618 | $155,043,000 | $250,000 | $2,000,000 | $133,000 | $708,000 |
| File Closed For Incompleteness | 317 | $83,176,000 | $262,000 | $1,813,000 | $152,000 | $1,200,000 |
| Application Denied By Financial Institution | 220 | $61,577,000 | $279,000 | $1,500,000 | $159,000 | $864,000 |
| Application Approved But Not Accepted | 186 | $47,315,000 | $254,000 | $1,750,000 | $124,000 | $1,140,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 48 | $13,565,000 | $282,000 | $1,000,000 | $164,000 | $600,000 |
| Credit History | 38 | $12,346,000 | $324,000 | $1,309,000 | $156,000 | $708,000 |
| Debt-To-Income Ratio | 29 | $7,918,000 | $273,000 | $863,000 | $138,000 | $410,000 |
| Collateral | 13 | $3,049,000 | $234,000 | $630,000 | $171,000 | $793,000 |
| Unverifiable Information | 4 | $975,000 | $243,000 | $500,000 | $102,000 | $211,000 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Valley Vista 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 Valley Vista 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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