Wholesale America Mortgage Mortgage Lending & HMDA Data, 2004
In 2004, Wholesale America Mortgage of Pleasanton, CA reported 623 mortgage applications totaling $175.7 million, up 2% from 2003. The average application was for $282,017, and applicants reported an average income of $107,393. 100% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Oakland-Fremont-Hayward, CA (198), Los Angeles-Long Beach-Glendale, CA (46) and Sacramento--Arden-Arcade--Roseville, CA (40) (applications in parentheses).
| Mortgage Company & Address | Wholesale America Mortgage 6200 Stoneridge Mall Road Suite 250 Pleasanton, CA 94588 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2004 2003 |
| Total Number of Mortgage Applications | 623 |
| Total Mortgage Loan Application Amount | $175,697,000 |
| Average Mortgage Loan Application Amount | $282,017 |
| Highest Mortgage Loan Application Amount | $1,350,000 |
| Average Applicant Income | $107,393 |
| Highest Applicant Income | $1,045,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Wholesale America Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Oakland-Fremont-Hayward, CA | 198 | $ 64,982,000 | $ 328,191 | $ 142,000 |
| Los Angeles-Long Beach-Glendale, CA | 46 | $ 14,374,000 | $ 312,478 | $ 83,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 40 | $ 10,047,000 | $ 251,175 | $ 153,000 |
| Riverside-San Bernardino-Ontario, CA | 38 | $ 7,520,000 | $ 197,894 | $ 76,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 30 | $ 10,562,000 | $ 352,066 | $ 123,000 |
| Stockton, CA | 28 | $ 7,024,000 | $ 250,857 | $ 121,000 |
| San Francisco-San Mateo-Redwood City, CA | 24 | $ 8,808,000 | $ 367,000 | $ 164,000 |
| San Diego-Carlsbad-San Marcos, CA | 23 | $ 6,243,000 | $ 271,434 | $ 104,000 |
| Vallejo-Fairfield, CA | 18 | $ 4,169,000 | $ 231,611 | $ 72,000 |
| Modesto, CA | 16 | $ 3,763,000 | $ 235,187 | $ 129,000 |
| Santa Rosa-Petaluma, CA | 13 | $ 4,017,000 | $ 309,000 | $ 94,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 9 | $ 2,219,000 | $ 246,555 | $ 89,000 |
| Seattle-Bellevue-Everett, WA | 9 | $ 1,828,000 | $ 203,111 | $ 62,000 |
| Phoenix-Mesa-Scottsdale, AZ | 8 | $ 1,206,000 | $ 150,750 | $ 93,000 |
| Fresno, CA | 7 | $ 1,468,000 | $ 209,714 | $ 56,000 |
| Santa Ana-Anaheim-Irvine, CA | 7 | $ 2,458,000 | $ 351,142 | $ 89,000 |
| Santa Cruz-Watsonville, CA | 6 | $ 1,821,000 | $ 303,500 | $ 193,000 |
| Portland-Vancouver-Beaverton, OR-WA | 5 | $ 850,000 | $ 170,000 | $ 118,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 5 | $ 1,240,000 | $ 248,000 | $ 73,000 |
| Bakersfield, CA | 4 | $ 555,000 | $ 138,750 | $ 44,000 |
| Las Vegas-Paradise, NV | 4 | $ 835,000 | $ 208,750 | $ 211,000 |
| Merced, CA | 4 | $ 935,000 | $ 233,750 | $ 59,000 |
| Redding, CA | 4 | $ 751,000 | $ 187,750 | $ 46,000 |
| Visalia-Porterville, CA | 4 | $ 657,000 | $ 164,250 | $ 49,000 |
| Napa, CA | 3 | $ 1,138,000 | $ 379,333 | $ 175,000 |
| Salinas, CA | 3 | $ 1,131,000 | $ 377,000 | $ 132,000 |
| San Luis Obispo-Paso Robles, CA | 3 | $ 888,000 | $ 296,000 | $ 75,000 |
| Yakima, WA | 3 | $ 253,000 | $ 84,333 | $ 41,000 |
| Bellingham, WA | 2 | $ 510,000 | $ 255,000 | $ 217,000 |
| Chico, CA | 2 | $ 805,000 | $ 402,500 | $ 177,000 |
| Coeur D'Alene, ID | 2 | $ 297,000 | $ 148,500 | $ 99,000 |
| Jacksonville, FL | 2 | $ 160,000 | $ 80,000 | $ 56,000 |
| Medford, OR | 2 | $ 594,000 | $ 297,000 | $ 133,000 |
| Memphis, TN-MS-AR | 2 | $ 160,000 | $ 80,000 | $ 84,000 |
| Tacoma, WA | 2 | $ 273,000 | $ 136,500 | $ 61,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 79,000 | $ 79,000 | $ 40,000 |
| Bend, OR | 1 | $ 337,000 | $ 337,000 | $ 107,000 |
| Billings, MT | 1 | $ 167,000 | $ 167,000 | $ 41,000 |
| Boulder, CO | 1 | $ 150,000 | $ 150,000 | $ 428,000 |
| Bremerton-Silverdale, WA | 1 | $ 185,000 | $ 185,000 | $ 54,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 604,000 | $ 604,000 | $ 163,000 |
| Corvallis, OR | 1 | $ 98,000 | $ 98,000 | $ 32,000 |
| Hanford-Corcoran, CA | 1 | $ 140,000 | $ 140,000 | $ 35,000 |
| Madera, CA | 1 | $ 234,000 | $ 234,000 | $ 72,000 |
| New York-Wayne-White Plains, NY-NJ | 1 | $ 567,000 | $ 567,000 | $ 365,000 |
| Orlando, FL | 1 | $ 446,000 | $ 446,000 | $ 264,000 |
| Provo-Orem, UT | 1 | $ 114,000 | $ 114,000 | $ 24,000 |
| Reno-Sparks, NV | 1 | $ 298,000 | $ 298,000 | $ 125,000 |
| Salem, OR | 1 | $ 112,000 | $ 112,000 | $ 29,000 |
| Yuba City, CA | 1 | $ 500,000 | $ 500,000 | $ 160,000 |
Mortgage Loan Application Detail Totals for Wholesale America Mortgage in 2004
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 | 492 | $138,326,000 | $227,076 | $1,090,000 | $117,000 | $600,000 |
| Home Purchase | 131 | $37,371,000 | $263,000 | $1,350,000 | $159,375 | $1,045,000 |
| 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 | 472 | $132,414,000 | $249,857 | $1,350,000 | $136,142 | $1,045,000 |
| Not Provided | 69 | $21,707,000 | $295,666 | $1,090,000 | $115,666 | $406,000 |
| Hispanic | 38 | $9,656,000 | $171,500 | $654,000 | $69,500 | $315,000 |
| Black or African American | 23 | $5,826,000 | $253,000 | $650,000 | $104,000 | $182,000 |
| Asian | 15 | $4,089,000 | $332,666 | $514,000 | $149,666 | $341,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $867,000 | $289,000 | $334,000 | $93,000 | $100,000 |
| Not applicable | 2 | $758,000 | $379,000 | $463,000 | $92,000 | $94,000 |
| American Indian or Alaskan Native | 1 | $380,000 | $380,000 | $380,000 | $43,000 | $43,000 |
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) | 623 | $175,697,000 | $254,333 | $1,350,000 | $136,333 | $1,045,000 |
| 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 | 623 | $175,697,000 | $254,333 | $1,350,000 | $136,333 | $1,045,000 |
| 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 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Denied By Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Wholesale America Mortgage's 2004 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 Wholesale America 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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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