SANTA ROSA, CA
Mortgage Loan Application
Totals and Details
for 2016

Years 2016  2015  2014  2003  
Total Number of Mortgage Applications 30,970
Total Mortgage Loan Application Amount $12,647,424,000
Average Mortgage Loan Application Amount $408,000
Highest Mortgage Loan Application Amount $99,999,000
Average Applicant Income $127,000
Highest Applicant Income $9,999,000
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Mortgage Loan Application Detail Totals for SANTA ROSA, CA in 2016

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 21,538 $8,215,728,000 $381,000 $99,999,000 $117,000 $6,893,000
Home Purchase 7,896 $3,843,699,000 $486,000 $99,999,000 $150,000 $7,000,000
Home Improvement 1,536 $587,997,000 $382,000 $25,025,000 $150,000 $9,999,000

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 20,269 $8,008,913,000 $395,000 $10,000,000 $137,000 $7,000,000
Not Provided 4,353 $1,849,535,000 $424,000 $99,999,000 $147,000 $9,999,000
Hispanic 2,745 $895,451,000 $326,000 $1,500,000 $90,000 $1,163,000
Not applicable 1,930 $1,150,099,000 $595,000 $28,123,000 $25,000 $837,000
Asian 1,084 $531,143,000 $489,000 $99,999,000 $138,000 $1,050,000
Black or African American 276 $101,376,000 $367,000 $1,235,000 $114,000 $1,059,000
American Indian or Alaskan Native 189 $65,321,000 $345,000 $1,600,000 $136,000 $1,140,000
Native Hawaiin or Other Pacific Islander 124 $45,586,000 $367,000 $750,000 $103,000 $370,000

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) 26,490 $10,809,531,000 $408,000 $99,999,000 $137,000 $9,999,000
FHA-insured (Federal Housing Administration) 2,883 $1,133,752,000 $393,000 $1,340,000 $74,000 $1,644,000
VA-guaranteed (Veterans Administration) 1,589 $701,566,000 $441,000 $1,640,000 $63,000 $1,188,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 8 $2,575,000 $321,000 $396,000 $55,000 $123,000

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 17,748 $7,273,186,000 $409,000 $28,123,000 $138,000 $9,999,000
Application Denied By Financial Institution 4,151 $1,783,881,000 $429,000 $99,999,000 $114,000 $3,632,000
Application Withdrawn By Applicant 3,921 $1,577,390,000 $402,000 $27,500,000 $131,000 $7,000,000
Loan Purchased By The Institution 3,219 $1,304,488,000 $405,000 $4,300,000 $77,000 $1,498,000
File Closed For Incompleteness 1,330 $462,938,000 $348,000 $5,000,000 $119,000 $9,160,000
Application Approved But Not Accepted 601 $245,541,000 $408,000 $4,000,000 $147,000 $5,783,000
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
Debt-To-Income Ratio 738 $312,746,000 $423,000 $3,000,000 $91,000 $858,000
Credit Application Incomplete 394 $145,865,000 $370,000 $4,000,000 $119,000 $964,000
Credit History 393 $133,921,000 $340,000 $1,600,000 $122,000 $1,346,000
Collateral 363 $168,291,000 $463,000 $3,600,000 $165,000 $3,632,000
Other 227 $84,329,000 $371,000 $1,320,000 $115,000 $858,000
Unverifiable Information 173 $70,809,000 $409,000 $1,556,000 $142,000 $2,000,000
Insufficient Cash (Downpayment, Closing Cost) 59 $31,938,000 $541,000 $3,448,000 $202,000 $2,568,000
Employment History 23 $11,397,000 $495,000 $1,920,000 $118,000 $357,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
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