Western Capital Mortgage Mortgage Lending & HMDA Data, 2007
In 2007, Western Capital Mortgage of Irvine, CA reported 1,609 mortgage applications totaling $469.9 million, down 32% from 2006. The average application was for $292,045, and applicants reported an average income of $95,528. 35% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (346), Riverside-San Bernardino-Ontario, CA (210) and Santa Ana-Anaheim-Irvine, CA (103) (applications in parentheses).
| Mortgage Company & Address | Western Capital Mortgage 1063 McGaw Avenue #200 Irvine, CA 92614 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 |
| Total Number of Mortgage Applications | 1,609 |
| Total Mortgage Loan Application Amount | $469,902,000 |
| Average Mortgage Loan Application Amount | $292,045 |
| Highest Mortgage Loan Application Amount | $1,680,000 |
| Average Applicant Income | $95,528 |
| Highest Applicant Income | $1,356,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Western Capital Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 346 | $ 126,800,000 | $ 366,473 | $ 98,000 |
| Riverside-San Bernardino-Ontario, CA | 210 | $ 58,992,000 | $ 280,914 | $ 92,000 |
| Santa Ana-Anaheim-Irvine, CA | 103 | $ 41,127,000 | $ 399,291 | $ 113,000 |
| San Diego-Carlsbad-San Marcos, CA | 76 | $ 25,108,000 | $ 330,368 | $ 84,000 |
| Phoenix-Mesa-Scottsdale, AZ | 40 | $ 10,525,000 | $ 263,125 | $ 91,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 36 | $ 8,426,000 | $ 234,055 | $ 83,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 32 | $ 10,653,000 | $ 332,906 | $ 95,000 |
| Orlando-Kissimmee, FL | 29 | $ 6,377,000 | $ 219,896 | $ 84,000 |
| Seattle-Bellevue-Everett, WA | 28 | $ 8,047,000 | $ 287,392 | $ 84,000 |
| Tampa-St. Petersburg-Clearwater, FL | 28 | $ 5,300,000 | $ 189,285 | $ 72,000 |
| Portland-Vancouver-Beaverton, OR-WA | 27 | $ 6,178,000 | $ 228,814 | $ 81,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 25 | $ 6,277,000 | $ 251,080 | $ 78,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 21 | $ 5,483,000 | $ 261,095 | $ 150,000 |
| Bakersfield, CA | 16 | $ 3,588,000 | $ 224,250 | $ 83,000 |
| Baltimore-Towson, MD | 16 | $ 3,730,000 | $ 233,125 | $ 100,000 |
| Miami-Miami Beach-Kendall, FL | 16 | $ 3,276,000 | $ 204,750 | $ 65,000 |
| Oakland-Fremont-Hayward, CA | 16 | $ 6,000,000 | $ 375,000 | $ 110,000 |
| Jacksonville, FL | 15 | $ 2,934,000 | $ 195,600 | $ 83,000 |
| Las Vegas-Paradise, NV | 14 | $ 3,496,000 | $ 249,714 | $ 129,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 14 | $ 3,579,000 | $ 255,642 | $ 101,000 |
| Bethesda-Gaithersburg-Frederick, MD | 12 | $ 4,440,000 | $ 370,000 | $ 123,000 |
| Tacoma, WA | 12 | $ 3,425,000 | $ 285,416 | $ 108,000 |
| El Centro, CA | 11 | $ 2,167,000 | $ 197,000 | $ 95,000 |
| Fresno, CA | 11 | $ 2,481,000 | $ 225,545 | $ 70,000 |
| Cape Coral-Fort Myers, FL | 10 | $ 4,492,000 | $ 449,200 | $ 144,000 |
| Chico, CA | 10 | $ 2,500,000 | $ 250,000 | $ 69,000 |
| Hartford-West Hartford-East Hartford, CT | 10 | $ 1,912,000 | $ 191,200 | $ 59,000 |
| Modesto, CA | 10 | $ 1,997,000 | $ 199,700 | $ 70,000 |
| Stockton, CA | 10 | $ 2,704,000 | $ 270,400 | $ 71,000 |
| New Haven-Milford, CT | 9 | $ 1,363,000 | $ 151,444 | $ 64,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 9 | $ 2,660,000 | $ 295,555 | $ 90,000 |
| San Francisco-San Mateo-Redwood City, CA | 9 | $ 4,651,000 | $ 516,777 | $ 180,000 |
| Longview, WA | 8 | $ 1,019,000 | $ 127,375 | $ 76,000 |
| Madera, CA | 8 | $ 1,720,000 | $ 215,000 | $ 92,000 |
| Sarasota-Bradenton-Venice, FL | 8 | $ 2,874,000 | $ 359,250 | $ 114,000 |
| Vallejo-Fairfield, CA | 8 | $ 2,367,000 | $ 295,875 | $ 118,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 7 | $ 3,399,000 | $ 485,571 | $ 120,000 |
| Tucson, AZ | 7 | $ 1,147,000 | $ 163,857 | $ 57,000 |
| Visalia-Porterville, CA | 7 | $ 1,264,000 | $ 180,571 | $ 124,000 |
| Honolulu, HI | 6 | $ 2,249,000 | $ 374,833 | $ 91,000 |
| Lake Havasu City-Kingman, AZ | 6 | $ 1,344,000 | $ 224,000 | $ 170,000 |
| Lakeland, FL | 6 | $ 1,114,000 | $ 185,666 | $ 58,000 |
| Naples-Marco Island, FL | 6 | $ 2,811,000 | $ 468,500 | $ 210,000 |
| Pensacola-Ferry Pass-Brent, FL | 6 | $ 953,000 | $ 158,833 | $ 60,000 |
| Wilmington, DE-MD-NJ | 6 | $ 1,344,000 | $ 224,000 | $ 108,000 |
| Albuquerque, NM | 5 | $ 959,000 | $ 191,800 | $ 77,000 |
| Eugene-Springfield, OR | 5 | $ 952,000 | $ 190,400 | $ 165,000 |
| Hagerstown-Martinsburg, MD-WV | 5 | $ 1,066,000 | $ 213,200 | $ 110,000 |
| Ocala, FL | 5 | $ 693,000 | $ 138,600 | $ 130,000 |
| Palm Bay-Melbourne-Titusville, FL | 5 | $ 1,274,000 | $ 254,800 | $ 64,000 |
| Port St. Lucie, FL | 5 | $ 1,038,000 | $ 207,600 | $ 72,000 |
| Salem, OR | 5 | $ 1,115,000 | $ 223,000 | $ 136,000 |
| Salisbury, MD | 5 | $ 714,000 | $ 142,800 | $ 232,000 |
| Denver-Aurora, CO | 4 | $ 974,000 | $ 243,500 | $ 96,000 |
| Memphis, TN-MS-AR | 4 | $ 720,000 | $ 180,000 | $ 128,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 4 | $ 639,000 | $ 159,750 | $ 59,000 |
| Norwich-New London, CT | 4 | $ 934,000 | $ 233,500 | $ 84,000 |
| Santa Rosa-Petaluma, CA | 4 | $ 1,690,000 | $ 422,500 | $ 138,000 |
| Spokane, WA | 4 | $ 667,000 | $ 166,750 | $ 66,000 |
| Bremerton-Silverdale, WA | 3 | $ 1,034,000 | $ 344,666 | $ 111,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 541,000 | $ 180,333 | $ 60,000 |
| Fort Walton Beach-Crestview-Destin, FL | 3 | $ 688,000 | $ 229,333 | $ 73,000 |
| Prescott, AZ | 3 | $ 593,000 | $ 197,666 | $ 60,000 |
| Redding, CA | 3 | $ 747,000 | $ 249,000 | $ 81,000 |
| Salinas, CA | 3 | $ 1,356,000 | $ 452,000 | $ 85,000 |
| Santa Cruz-Watsonville, CA | 3 | $ 1,380,000 | $ 460,000 | $ 52,000 |
| Tallahassee, FL | 3 | $ 311,000 | $ 103,666 | $ 51,000 |
| Wenatchee, WA | 3 | $ 456,000 | $ 152,000 | $ 53,000 |
| Bellingham, WA | 2 | $ 275,000 | $ 137,500 | $ 51,000 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 334,000 | $ 167,000 | $ 43,000 |
| Columbia, SC | 2 | $ 185,000 | $ 92,500 | $ 45,000 |
| Duluth, MN-WI | 2 | $ 185,000 | $ 92,500 | $ 60,000 |
| Kansas City, MO-KS | 2 | $ 261,000 | $ 130,500 | $ 44,000 |
| Kennewick-Richland-Pasco, WA | 2 | $ 483,000 | $ 241,500 | $ 60,000 |
| Knoxville, TN | 2 | $ 402,000 | $ 201,000 | $ 142,000 |
| Medford, OR | 2 | $ 308,000 | $ 154,000 | $ 112,000 |
| Merced, CA | 2 | $ 351,000 | $ 175,500 | $ 60,000 |
| Mount Vernon-Anacortes, WA | 2 | $ 398,000 | $ 199,000 | $ 57,000 |
| Yakima, WA | 2 | $ 190,000 | $ 95,000 | $ 19,000 |
| Yuma, AZ | 2 | $ 405,000 | $ 202,500 | $ 58,000 |
| Boise City-Nampa, ID | 1 | $ 212,000 | $ 212,000 | $ 35,000 |
| Chattanooga, TN-GA | 1 | $ 225,000 | $ 225,000 | $ 119,000 |
| Dover, DE | 1 | $ 189,000 | $ 189,000 | $ 38,000 |
| Jacksonville, NC | 1 | $ 187,000 | $ 187,000 | $ 93,000 |
| Las Cruces, NM | 1 | $ 272,000 | $ 272,000 | $ 82,000 |
| Lewiston, ID-WA | 1 | $ 122,000 | $ 122,000 | $ 33,000 |
| Olympia, WA | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Palm Coast, FL | 1 | $ 216,000 | $ 216,000 | $ 114,000 |
| Panama City-Lynn Haven, FL | 1 | $ 207,000 | $ 207,000 | $ 80,000 |
| Punta Gorda, FL | 1 | $ 289,000 | $ 289,000 | $ 51,000 |
| Sebastian-Vero Beach, FL | 1 | $ 16,000 | $ 16,000 | $ 66,000 |
| Springfield, MO | 1 | $ 158,000 | $ 158,000 | $ 63,000 |
| St. Cloud, MN | 1 | $ 17,000 | $ 17,000 | $ 77,000 |
| St. Louis, MO-IL | 1 | $ 168,000 | $ 168,000 | $ 60,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 140,000 | $ 140,000 | $ 47,000 |
| Yuba City, CA | 1 | $ 289,000 | $ 289,000 | $ 82,000 |
Mortgage Loan Application Detail Totals for Western 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 | 1,264 | $370,162,000 | $292,000 | $1,680,000 | $91,000 | $720,000 |
| Home Improvement | 248 | $71,221,000 | $287,000 | $1,388,000 | $93,000 | $420,000 |
| Home Purchase | 97 | $28,519,000 | $294,000 | $1,260,000 | $161,000 | $1,356,000 |
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 | 555 | $155,889,000 | $280,000 | $1,120,000 | $101,000 | $1,356,000 |
| Not Provided | 517 | $141,522,000 | $273,000 | $1,680,000 | $88,000 | $577,000 |
| Hispanic | 324 | $100,459,000 | $310,000 | $1,388,000 | $89,000 | $420,000 |
| Black or African American | 157 | $49,795,000 | $317,000 | $1,260,000 | $104,000 | $520,000 |
| Asian | 31 | $12,838,000 | $414,000 | $1,524,000 | $109,000 | $356,000 |
| Native Hawaiian or Other Pacific Islander | 20 | $8,040,000 | $402,000 | $880,000 | $118,000 | $272,000 |
| American Indian or Alaskan Native | 5 | $1,359,000 | $271,000 | $495,000 | $84,000 | $101,000 |
| 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) | 1,604 | $468,778,000 | $292,000 | $1,680,000 | $95,000 | $1,356,000 |
| FHA-insured (Federal Housing Administration) | 5 | $1,124,000 | $224,000 | $320,000 | $62,000 | $103,000 |
| 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 Approved But Not Accepted | 853 | $251,450,000 | $294,000 | $1,524,000 | $97,000 | $630,000 |
| Loan Originated | 562 | $152,464,000 | $271,000 | $785,000 | $82,000 | $660,000 |
| Application Denied By Financial Institution | 194 | $65,988,000 | $340,000 | $1,680,000 | $124,000 | $1,356,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Other | 187 | $62,182,000 | $332,000 | $1,680,000 | $122,000 | $1,356,000 |
| Credit Application Incomplete | 6 | $3,751,000 | $625,000 | $1,388,000 | $164,000 | $420,000 |
| Collateral | 1 | $55,000 | $55,000 | $55,000 | $118,000 | $118,000 |
| Unverifiable Information | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Western 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 Western 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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